vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Here is an overview of my ongoing issue with Fay Servicing. 





I filed for XXXX XXXX XXXX XXXX XXXX and here are the situations chronologically that led to this foreclosure. 

( 1 ). On or around XXXX Fay servicing started servicing the '' alleged " loan from XXXX XXXX. The exact time has yet to be determined. 

( XXXX ) XXXX They claimed I was behind, my Bankruptcy case was reopened and they were threatened to be sanctioned by the judge for their errors. 

( XXXX ). Payments were made. However, the account did reflect rearages that were assumed to be from balance pre bankruptcy ( 4 ) payments were made over the next 3 years with no attempt to resolve " Alleged '' Default. 

( XXXX ). XX/XX/XXXX Bankruptcy was Discharged ( 6. ) XX/XX/XXXX Fay servicing refused to accept payment and attempted foreclosure action began ( 7 ). XX/XX/XXXX CFPB was contacted and swift action was taken ( 8 ). They sent me modification papers. I assured them their accounting was off and I was not in financial distress for a modification ( 9 ) A final accounting validation of debt was never confirmed by Fay servicing ( XXXX ) XXXX XXXX My bankruptcy attorney was able to intervene and through their recommendation I was given a stream line offer that was {$800.00} more than my original note. To begin XXXX XXXX XXXX XXXX XXXX  ). I made the payments and After the trial period- Mod Documentation was sent to me for a loan that's 2.5 % higher. That was too much for me to continue to bare I instructed the rep That I need better terms but i will continue to pay. 

( 12 ) The only option given was sign new agreement or foreclosure ( 13 ). Payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment was Refused. SEE ATTACHED ( 14 ) XX/XX/XXXX received foreclosure complaint - Indicates I haven't made a payment since XX/XX/XXXX SEE ATTACHED In addition to the above referenced situations. I have no record of a mortgage on my credit report which has prevented me from refinancing. It's almost as if I don't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a PenFed Credit Union Heloc coming due on XX/XX/. PenFed suggested I apply for another Heloc to payoff the current Heloc so I started the process immediately. 

The new Heloc application was started on XX/XX/, and I sent over the necessary documentation to PenFed on XX/XX/XXXX. 

The processor had the properties listed on the application wrong, causing several delays on PenFed 's end. I explained she had them listed incorrectly and she told me on XX/XX/XXXX, not to send anything else over and that her and her team have it handled. She said she would be in touch with me the following day, and I never heard from her. I then tried to contact her and the management team, several times, and no one would call me back. She FINALLY emailed me on XXXX XXXX this type of delay is unacceptable, considering the position she's putting me in. 

I talked to my loan officer today, who said this loan should have been done and completed on XX/XX/XXXX, it's now XX/XX/XXXX and I still don't have an approval. 

This is extremely concerning to me- my credit scores are XXXX, I am more than qualified for this loan. If PenFed Credit Union does not close this loan on time due to their lack of communication or response, I'm at risk of foreclosure, and my credit will be destroyed. 

I ask that this issue be escalated - I'm beyond frustrated at the lack of communication and consumer care when I have been responsive and diligent. If you want details, I have everything documented, all emails saved, and a timeline prepared. I was told over the phone with the CFPB to keep this commentary concise and brief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Charged on my American Express for purchase I dont make XX/XX/XXXX  XXXX dollars purchases. XX/XX/2023 XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, Ive made several attempts with all 3 credit reporting agencies to resolved the unauthorized inquiry issue on my consumer credit profile. A resolution has not been met.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: NV

Complaint narrative:
In an attempt to contact FirstSource Advantage I asked the company for Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement. This information was not provided to me. I have yet to receive and verification stating that this is my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Service International Corp
State: FL

Complaint narrative:
I disputed a public record ( Collection Account ) which is not mine to XXXX, and XXXX continues to report the damaging information on my report. XXXX sent me a " Dispute Results '' pdf, stating that the information I disputed has been " verified as accurate ''. This is impossible, as the Collection account is not mine. The Collection company reporting to XXXX, CREDIT SERVICE INTERNATIONAL, can not have any valid proof that connects me as owner of the account, as I don't have, or have ever had any contractual relationship with the utilities company claiming a defaulted account. XXXX is the ONLY reporting agency erroneously posting this negative and derogatory information about me. PLEASE HELP!!! XXXX 's dispute process is a joke. I have always had excellent credit, and what XXXX is doing is certainly not FAIR CREDIT REPORTING!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS PETAL CARD XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There is a charge I saw on my credits recently for back 1998 that I dont recognize. Its fraud. I dont know anything about the charge to my credit until now. This charge is very long time. Some one use my name and tried to ruin my credit. Also there is another charge for chase. I have financial agency to help me for the chase payment balance. I am paying the financial agency every month to pay off the balance. There also there is so many names on my credit. It should be XXXX XXXX XXXX. No wonder my credit not good. Someone tried to ruin my credit from 1998.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I found that XXXX was reporting on my credit report. This was not me I sent them a police report and FTC affadavit 4 times already with no response, I also sent it to the credit bureaus and still have not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found that XXXX was reporting on my credit report. This was not me I sent them a police report and FTC affadavit 4 times already with no response, I also sent it to the credit bureaus and still have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
First week of XXXX I was at Dick 's at XXXX XXXX New York with my husband buying gifts. At checkout I was asked if I had a store car, I don't so I was instructed to start filling out an application and then told me of what I thought was a member card, I have XXXX for XXXX, for XXXX for many stores but no he had me start to fill out information for a credit card, while I stopped the process immediately and DID NOT FINISH any application, here it is pulled XXXX points off my credit score. How??. I didn't even finish the application once I realized it's for a credit card I canceled all of it. I'm beside myself as no one will or can help me. I called the store about this shady practice, nothing can be done it's oh well. This isn't right by no means. There is no card because I cancelled the application but it went through anyway, I didn't even fill in information into application like I stopped it and cancelled but apparently I can't do that. I don't want dicks credit card my husband carries the credit cards because of his job, we certainly never intended on adding another credit card. I have store rewards cards this entire situation was misrepresented by the cashier. I was furious immediately I called the store manager as soon as my credit score hit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The monthly payment continues to increase over the years. Additionally, each year, there is an issue or lack of funds for the XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Possible Financial Inc
State: FL

Complaint narrative:
On XX/XX/2023 I settle my account with possible finance with true accord by paying them the settled amount of {$440.00} an email was sent out with letter stating amount was paid and possible finance was made informed. 
I was told by agent XXXX that the account will be updated within 30 days after payment was made. When I realized it was mid XXXX and my account was still reflecting a balance I dispute it with the XXXX credit bureau. On XX/XX/XXXX I received an update from XXXX that " company that reported the information has certified to XXXX that the information is accurate and the debt remain ''. Since then I've been trying to get a hold of possible finance the number provided online and on my credit report does not accept calls so I started emailing them on XX/XX/XXXX with XXXX XXXX she assured me the next day they saw I paid the account on XX/XX/2023 and should have been removed after 30 days. We are now 144 days after paying this debt and haven't heard anything from the company I would like this debt to be removed from all 3 of the credit bureau reporting ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
UNAUTHORIZED FRAUDULENT INQUIRES XXXX : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EXPERIAN : XXXX XXXX XXXX XX/XX/2023 REMOVE UNAUTHORIZED FRAUDULENT INQUIRES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation