vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I inherited three home equity loans from my father, XXXX XXXX XXXX, when he died on XX/XX/XXXX. I am amicably setting loans with two banks, XXXX XXXX XXXX and XXXX XXXX. But I have repeatedly hit a wall with Fay Servicing, which holds a home equity loan on my parents ' house at XXXX XXXX XXXX, XXXX, XXXX XXXX, loan number XXXX. Fay did grant me several loan forbearances, the last of which expired in XX/XX/XXXX. I have been in touch with Fay regularly since my father died, apprising them of my efforts to meet the loan obligation. I was being treated for XXXX XXXX XXXX in XXXX during the period my father got sick and died and for some time thereafter. Because the treatment made me very ill, I had to stop XXXX  at XXXX XXXX  The XXXX  kept me on to XXXX XXXX XXXX but my income declined to about {$1000.00} monthly, so there was no way I could make monthly payments to Fay. I informed Fay of my original plan to sell my house in XXXX, Ma. in the spring of XXXX and pay off the loan in its entirety around the time the COVID forbearance expired. I subsequently became ill with XXXX XXXX, for which I was treated during a three-month stay at XXXX XXXXXXXX XXXX. Subseqent to that, I came to my parents ' house in XXXX, XXXX, intending to prepare it for sale, at which point I intended to pay off the Fay Loan. I wound up in the hospital in XXXX XXXXXXXX, XXXX for my XXXX again, and a XXXX  was installed. I was in regular contact with Fay during this period, explaining the situation and requesting patience. I am now at my parents ' house, readying it for sale. But Fay has informed me that the home equity loan is now in excess of {$430000.00}. I found a Fay bill in my father 's papers from XXXX XXXX, XXXX showing the total amount of the loan outstanding then was {$330000.00}. The principal must have been even lower when he died, as he made regularly monthly payments between XXXX and XX/XX/XXXX. I called Fay dozens of times this spring to try to negotiate on the amount due and request a payoff document, but got nowhere. I finally wrote the lawyer for Fay and subsequently received a phone call from a vice president, XXXX XXXX, who said Fay would send a payoff document but would not budge on the amount due nor explain why the amount due has risen by about {$100000.00} since XXXX. I believe I acted in good faith with Fay over the past two years while dealing with extraordinary circumstances - my illnesses, my father 's death and the death of my mother on XXXX XXXX. I feel Fay should also act in good faith, taking into account my efforts to maintain communication and my good intentions regarding settling the loan. For the first time since my father 's death, I am no longer dealing with XXXX for a XXXX  XXXX and am preparing to be able to pay off the Fay Loan entirely. I believe Fay should adjust the loan to the $ XXXX-plus figure. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
I had an account with XXXX XXXX XXXX. 
I lost my job and turned the vehicle back in. 

However I have a XXXX XXXX on my credit report for XXXX. I do not owe them this amount. The vehicle has been resold. 

I am not able to get a home loan because of this. 
Please help me get this off of my credit. 
Thank you, XXXX 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 explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
The person posted on her/their XXXX  page i believe it was XX/XX/XXXX that a company was giving up to XXXX away if we commented under post she would send us details. I did and at first it was just XXXX that we needed to send her and then we would receive the money I did do it but thing just escalated and kept requesting more and more when I attempted to stop that she told she would go to jail and she would get in trouble and i felt bad so i continued, In total i believe i sent her {$7200.00}. I even deposited a check she told i would recieve in the amount {$22000.00} and after i did i had to send her more and then the check was refunded and I lost everything i send it her plus whatever was taken out due to the check. So now i'm in debt with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: AR

Complaint narrative:
Lexington Law is using deceptive business practices to collect as much money as possible from consumers. They have made it almost impossible to cancel your service with them and falsified claims on balances owed. This company has disregarded their settlement with the CFPB and returned to scamming as much money from customers as possible. Additionally they purposely ignore any work previously done in order to prolong the payments a consumer makes. 

Lexington law has billed me on different days of a month making it impossible to plan for a charge. Additionally when I called to request my account be closed and refunded for the charge pending they denied both closing the account and refundind the money. I will be filing a chargeback against Lexington with my bank as I DO NOT authorize this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Original purchase made in XXXX, when I signed up for said credit card. Never received said card in order to make online account to make payments. Sent the company an email about not receiving it, to which they did not respond. 

I called the company and was told if I made the payment that day, which I did, I would be at a zero balance ( in XXXX of 2022 ). Have had to waste time in calling this credit card company, every month, because I receive further late fees and balances even after being told I was paid in full. 

Called again XX/XX/2022 and was told the account was paid in full. I then asked to have the account closed as well. I am now being charged additional late fees, every month, on an account that was paid in full, XX/XX/2022. 

Called the company today, XX/XX/2022, and was told it's being sent to collections and they can not remove the fees, even though I've been informed twice it was either a {$0.00} balance or paid in full. 

***Attached screenshot from original email complaining I never initially received the credit card that was applied for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
A lost check was cashed by the payee one year after the date of issue because his bank ignored the issue date. My bank withdrew the funds from my account. I had placed a stop payment on the check when the payee informed me that he had lost it two months after I wrote it. My bank refused to do anything because stop payments are only valid for 6 months. Thus the payee was paid twice.

Stop payments should be permanent. Obviously a lost or stolen check can be cashed after 6 months if a bank chooses to do so, which makes the payor liable for double the amount of the check. Thus there is no real protection with a stop payment and no real protection for a lost or stolen check. The UCC code should be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Bogus collection accounts listed as other account on Equifax credit report. XXXX and XXXX has deleted these accounts however Equifax hasn't. Equifax says the accounts was verified. 
XXXX XXXX XXXX XXXX  # XXXX {$1500.00} Acct # XXXX {$2600.00} XXXX XXXX XXXX  couldn't provide me with any binding contract or signature. They sent me statements on XX/XX/22 and the cover page says, This communication is from a debt collector but is not an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: TX

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. 
Portfolio Recovery Associates LLC Account # 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 with 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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A. I called in to Women Within to place an order B. I was told to get app and make order that way so I did. but I got an error message stating I could not place an order I must call in.

C. So I called Women Within back to tell them, they told me that the would send situation to tech to fix it.

D. They took my order over the phone. I ordered 3 dresses to receive in 3 days so I paid extra for fast shipping. XX/XX/1920 E. I received items in 3 days.

F. I sent back 1 dress.

G. I checked the online credit Barclay/Juniper to see if I got the refund. I did receive the refund. But the bill was high so I looked to see what the problem was and that Women Within had charged me the same amount the following day. 
H. I called my credit card company I told them that I was charged twice. the man at Juniper/Barclay told me he would handle it that I don't have to pay that he removed out of my account, I. Then 3 weeks later I received a package in the mail from Women Within but I hadn't ordered anything else. This was about 3 weeks after I had received the original order and had sent back 1 dress from that order.

J. I called Juniper and reported this but I had not opened the package the man asked me to open it but I didn't I only peeked in through an airhole in the plastic wrapper. He told me to request a label.

K. I received a letter the next day stating that I had been sent to their XXXX XXXX XXXX I called them they told me that was should not have been sent to Collections, to open package to the label out and send it back to write in the invoice duplicate order.

M. I had a witness to this phone call and he wrote a statement about the call and me getting the label and sending package in.

N. I had a witness to delivering package to the XXXX Post Office she write a witness statement too.

O. I have a letter stating they received this information and that I don't have to pay for the other items.

P. In XXXX Barclay wrote to me stating I had to pay and that they have receive nothing from me.

Q. I called them about this they said they have received nothing from me no witness statements or anything. I asked if they through everything I send away no response. 

The reason that I didn't have the receipt print out of the reurn is because when I got in the line at the post office there was too many people in there because of the covid-19 rules. They said that anyone with a printed return label on their packages should place it in the return area because there was to many people in the post office. If we didn't move along the place could be shut down.

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 monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue take care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft!!! Please add a fraud alert on my credit as soon as possible to stop this! I was researching the Fair Credit Reporting Act and according to them, block all fraudulent information off my credit in four business days, thank you!!

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed incorrect information contained in my credit report in a letter dated <Date> ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely response from your bureau. 
Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the XXXX  XXXX  your bureau has caused me. 
Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. 
I thank you for your kind attention to this matter and hope to receive my updated credit report soon.

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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted

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 2022-06-03 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am enrolled in a Barclay 's Credit Card promotional program called " Flight Cents '' under which all of my credit card purchases are rounded up to the next whole dollar and for the extra cost I earn travel miles with XXXX XXXX XXXX program. There is a business relationship between Barclays and XXXX XXXX XXXX XXXX XXXX XXXX. 

Every month I pay Barclays to be in the Flight Cents program. Since I enrolled, there have been several months where I am charged to be in the Flight Cents program but I don't get the miles I am supposed to get. I have to call Barclays and file a complaint to get it resolved. 

On my statement dated XX/XX/2022, I was charged {$27.00} for Flight Cents, but I did not get any miles. I should have received over XXXX miles. 

On XX/XX/2022, I filed a complaint about this issue with Barclays. My complaint number is XXXX. I have called several times about the status of the complaint and resolution and there is never any progress and nobody can give me a status update. At first they said it could take up to 30 days to resolved and now the representatives are telling me that it could take 60-90 days to resolve. 

I have been charged and have paid for a benefit that I have not received. If this is happening to me then I assume it is happening to other Barclays customers. Barclays is making a lot of money by fraudulently ripping off its customers. XXXX XXXX XXXX also be profiting off of the fraudulent charges.

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 monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted

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