vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
From : To : Consumer Financial Protection Bureau XXXX XXXX XXXX Notwithstanding the documents ( XXXX  ) and in defiance to the order of the C.F.P.B. ( C.F.P.B.ADMINISTRATIVE PROCEEDING File No. 2024-CFPB-0007 and 2024-CFPB-0007 Document 2 Filed XX/XX/year> ). Fay servicing continues to overcharge me. 
While I believe I have been patient with them, I do not like to be ignored and then subjected to retaliatory action for pressing the issue. Fay servicing has not corrected the overcharge and now intends to charge me even more.They are charging me for wind insurance that they have purported to have purchased, even though I have documented to them that I have wind insurance. And they confirm this. They now intend to continue to charge me for wind insurance, and now hazard insurance, plus State property taxes, that I have already paid for, and notified them of. 

Fay servicing ignores both the filings through their webclient ( XXXX XXXX XXXXXXXX and CERTIFIED mail ( see enclosed ). 

They now propose to overcharge me in excess of XXXX $ a month. 
Almost XXXX yrs ago I notifed Fay that I had wind insurance, ( as well as the current " Hazard insurance '' ) with documentation ( XXXX  ), through their webclient ( XXXX XXXX XXXXXXXX ) after several attempts, and getting confirmation that they had received the documents, They continued to charge me for the wind insurance. I then resorted to Certified mail to communicate. They did finally respond that they received the documents, however they continue to overcharge me. 
I now need to file a complaint with the C.F.P.B. To try to get Fay Servicing to stop overcharging me. 
I have included documents from Fay showing the charges they intend to impose. Also XXXX XXXX XXXX XXXX documents that show I have the insurance. Again Fay has been served these documents a number of times ( and they confirm this ) However they continue to overcharge me. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime decided to cut my account off at XXXX  on XX/XX/XXXX with only 12 hours notice ( an email I didn't see because I am sick ). They are upset that I made a transfer from my XXXXXXXX XXXX to Chime and it was taking almost a week to show up. The money was gone from XXXX but Chime had it sitting there as " processing ''. I thought I made a mistake so I did it again and the same thing happened. I called XXXX and they put a reversal on the payments so my money was not sitting there unclaimed somewhere and were going to try to figure it out but Chime immediately cut me off. This effects EVERYTHING. All the money I had on Chime will be mailed to me " within a month ''. Money people owed me to be credited back to Chime will now be held up for weeks. I have NO MONEY. My next XXXX check was due on XX/XX/XXXX but when I contacted social security they said the soonest they can start my payments again is XX/XX/XXXX. TWO MONTHS WITH NO MONEY? I am a new Chime member and one that intends to spread the word every where I can. You won't even let me know what the problem is. I am assuming it's the {$47.00} with XXXX. You are a terrible institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. This is hindering me my family and these fraudulent accounts are negatively effecting me. Please remove these fraudulent accounts from my report immediately. I am disputing this with you directly. I have documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. 
Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in 4 business days of receipt. I have deemed legal advice and am prepared to retain counsel to uphold my legal rights if this is not resolved promptly. I appreciate your prompt attention on this matter and I await your reply thanks.

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 2024-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I submitted a XXXX XXXX XXXX XXXX XX/XX/XXXX. I received notification XX/XX/XXXX my application for all XXXX loans was denied stating Navient considers a variety of factors and that I do not meet requirements for discharge. I submitted quite a bit of evidence along with my application. There should have been reasoning on why my application was denied. My application was for my attendance at the XXXX XXXX of XXXX. A school that was found guilty of misleading prospective students on XXXX, pressuring students into taking out student loans, and well as inflating employment rates upon XXXX. I contacted Navient XX/XX/XXXX on why application was denied and again I received a blanket statement XX/XX/XXXX on why they could not approve my application. Allegedly " they reviewed my request for appeal and I do not meet the requirements for discharge ''. They reviewed my request that quickly? That does not seem accurate since I received the response in the mail. They are sending blanket statements out to borrowers and not reviewing the cases. The CFPB recently reached a settlement with Navient last month and there was a Navient AG Multi State Settlement 2022. New Jersey is one of the states that was listed in the settlement. It is clear Navient is not known for honest business practices. My application for my student loans to be discharged should be approved. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/year> Dispute of Inaccurate Information and Request for Account Deletion I am writing to formally dispute the accuracy of information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I request the blocking of any information in my file that I identify as resulting from identity theft, within four business days of your receipt of this letter. 
Inaccurate Reporting : Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), you are required to ensure that the information reported is 100 % accurate. The accounts listed in my credit report are in violation of these standards and have compromised my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 
Right to Privacy : Pursuant to 15 U.S. Code 1681, I have the right to privacy regarding my financial information. 
Furnishing of Accounts : According to 15 U.S. Code 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. I have not provided consent for the reporting of the disputed accounts. 
I request that you provide me with the original copies of the agreements and terms and conditions for the accounts in question. Failure to comply with this request will result in the necessity for you to delete the listed items from my report. 
Please delete these accounts from my credit report within four days of your receipt of this notice. If you fail to comply, I will seek to hold you accountable for {$1000.00} per account, as provided under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX

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 2024-10-13 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/year> Dispute of Inaccurate Information and Request for Account Deletion I am writing to formally dispute the accuracy of information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I request the blocking of any information in my file that I identify as resulting from identity theft, within four business days of your receipt of this letter. 
Inaccurate Reporting : Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), you are required to ensure that the information reported is 100 % accurate. The accounts listed in my credit report are in violation of these standards and have compromised my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 
Right to Privacy : Pursuant to 15 U.S. Code 1681, I have the right to privacy regarding my financial information. 
Furnishing of Accounts : According to 15 U.S. Code 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. I have not provided consent for the reporting of the disputed accounts. 
I request that you provide me with the original copies of the agreements and terms and conditions for the accounts in question. Failure to comply with this request will result in the necessity for you to delete the listed items from my report. 
Please delete these accounts from my credit report within four days of your receipt of this notice. If you fail to comply, I will seek to hold you accountable for {$1000.00} per account, as provided under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account reported by XXXX XXXX, which appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the information on consumer reports is accurate. I have previously reached out to XXXX XXXX in an attempt to verify this debt. However, they have been unable to provide the necessary documentation to substantiate the validity of this debt. 

Because XXXX XXXX has failed to verify this account, I request that you remove this collection account from my credit report immediately, as it is inaccurate and unverifiable. Reporting unverified and inaccurate information violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account reported by XXXX XXXX, which appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the information on consumer reports is accurate. I have previously reached out to XXXX XXXX in an attempt to verify this debt. However, they have been unable to provide the necessary documentation to substantiate the validity of this debt. 

Because XXXX XXXX has failed to verify this account, I request that you remove this collection account from my credit report immediately, as it is inaccurate and unverifiable. Reporting unverified and inaccurate information violates my rights under the FCRA.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request assistance with obtaining my credit report and credit score. Despite my efforts to access this information through the usual channels, I have been unable to do so. As a consumer entitled to view my credit information, I kindly ask that you investigate this issue and provide the necessary assistance to resolve it.

Please advise me on any further steps I may need to take to obtain my credit report or if there are any specific issues that may be preventing access. 

I look forward to your prompt response in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely,

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I get numerous calls per day from what the Caller ID say Portfolio Recovery. Some days I get approximately 8-10 calls in a day. The actual phone number is never the same so blocking the number has not stopped the calls. Please help! Thx!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I sent money to someone for a service and didnt receive it. Ive asked numerous times for a refund and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. This is hindering me my family and these fraudulent accounts are negatively effecting me. Please remove these fraudulent accounts from my report immediately. I am disputing this with you directly. I have documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. 
Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in 4 business days of receipt. I have deemed legal advice and am prepared to retain counsel to uphold my legal rights if this is not resolved promptly. I appreciate your prompt attention on this matter and I await your reply thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom it May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Number XXXX Account Name XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name SXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Enclosures Proof of identity XXXX  documentation

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXX XXXX XXXX XXXX, Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXX XXXX XXXX XXXX did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request assistance with obtaining my credit report and credit score. Despite my efforts to access this information through the usual channels, I have been unable to do so. As a consumer entitled to view my credit information, I kindly ask that you investigate this issue and provide the necessary assistance to resolve it. 

Please advise me on any further steps I may need to take to obtain my credit report or if there are any specific issues that may be preventing access.

I look forward to your prompt response in resolving this matter.

Thank you for your attention to this issue.

Sincerely,

Company response to consumer: Closed with non-monetary relief