vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX I took {$12000.00} in money orders that I personally purchased to Huntington Bank so I can open a checking and savings account. By XXXX I did not have access to my money after I called customer service I was told they was waiting to verify my checks. By XXXX I was told my account has been closed and they would be sending me a check no later than 10 business days I let a month go by and called on XXXX and was told I needed to bring proof than Im the owner of the account to the bank after I did so they gave me another 10 days to wait and they will contact me I never got contacted so I went up there again XXXX and was told I need proof that purchased the money orders and I brought the proof back the XXXX fast towards to today XXXX I go to the bank and I was told they sent the money back to XXXX XXXX and I have to figure out how to get it from them, this has been dragged for 4 months just for me to lose all of my money and not to mention all the bills I fell behind on and the home opportunities I missed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Good morning, I am desperate for help. This email is to share how a XXXX XXXX is making everything impossible for me to take possession of my homes and American homeowners homes. 

Please be advised that I didn't pay my mortgage XX/XX/2024 and XX/XX/2024 due to a hardship. Also, right after I missed my first payment I received phone calls daily from them demanding payment, not help. 

On XX/XX/2024 I contacted Fay Servicing to make both payments which they refused because they began foreclosure proceedings and didn't have the foreclosure costs. 

Surprisingly, I contacted the bank again and asked when they began the foreclosure process which notified me over the phone that the process began on XXXX XXXX, 45 days later I missed my first payment. 

On XX/XX/XXXX, I contacted the bank again to find out if they had the foreclosure costs and I was surprised with a {$5900.00} additional bill on top of the mortgage payments. Yes, according to the bank because I missed the XX/XX/XXXX and XX/XX/XXXX payment on XX/XX/XXXX they decided to begin the foreclosure process and will not accept any payment until I pay the {$5900.00} to cover foreclosure costs etc. 

I have 2 loans with them and the other loan they are charging me {$5600.00} for foreclosure costs for a total of {$11000.00}. 

Fay Servicing told me that usually they " begin the Foreclosure process in 45 days and every single client has paid the foreclosure fees ''. 

Please be advised that I have money to pay mortgage payments and make payments up to date but they dont accept them and will continue the foreclosure process if I dont pay the foreclosure fees. 

Is it me or the bank is making everything impossible for me so the bank can keep the homes and make a big profit selling them? 

Please see attached and please help me find out if this practice is legal in the state of Massachusetts and how can I make payments and avoid foreclosure? I want to keep my homes. I need help. 

Cc'ed : XXXX /XXXX XXXX XXXX - XXXX XXXX - MA XXXX - XXXX XXXX / XXXX XXXX MA XXXX - XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX - Office of Inspector General ( OIG ) for the Board of Governors of the Federal Reserve System ( Board ) and the Consumer Financial Protection Bureau ( CFPB ) XXXX - XXXX / MA XXXX - Fay Servicing XXXX - XXXX XXXX - XXXX XXXX MA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-27 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: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
OnXX/XX/2024, I received an alert through XXXX XXXX and XXXX that my credit was ran for a credit card application through Chase Bank. I went through the process of reporting this as fraud as I did NOT apply for a credit card. XXXX was able to connect me with Chase where they closed the application and marked it as fraud. XXXX also put a hold on my credit report for 1 year so anytime I ( or someone ) attempted to open any line of credit or take out a loan, the bank would have to notify me to confirm this. 

On XX/XX/2024, I received another alert through XXXX XXXX and XXXX that my credit was ran again for another credit card application through Chase Bank. Once again, I ran through the steps to mark that application as fraud and this time I placed a freeze on my credit report through XXXX. I worked with XXXX to close the application at Chase and they marked it as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was making payments with the collector. I asked for monthly notifications to be sent however they never were. I forgot to make a few payments and the collection agency reached out. I was speaking with them about starting back up payments. I was working with them and reaching out several times via phone and email where the agent I was assigned was not responded. My account got garnished!!! I tried calling other numbers and found out the agent I was working with was no longer at their company!!! This caused a huge about of hardship on me and my family. It took a long time to get my bank account unfrozen. I couldn't even make mortgage payments with my account!!!! I worked with them to resolve just so I could get my bank account working again. After I asked them to work with me on a new settlement and they declined. I feel it's very deceptive for a company not to send monthly statements. Most people in my position are VERY busy and trying to keep their heads above water. I was working 3 jobs at one point, have 3 children, etc. XXXX XXXX XXXX should be investigated! Capital One shame on you for hiring a deceptive debt collector that prays on customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have received from XXXX XXXX XXXX XXXX letters ( XXXX on XX/XX/year> and XX/XX/year> ) rejecting XXXX applications to XXXX XXXX XXXX XXXX XXXX account which I DID NOT APPPLY FOR. XXXX is checking with TRANS UNION and my credit report is reflecting these fraudulent applications. 

When I called XXXX ( XXXX ) the very unhelpful agent was not able to find the applications using the reference numbers in the XXXX letters ( XXXX and XXXX ). XXXX allegedly based their decision on the assumption that I have obligations too high relative to income which is NOT true because I had a credit score of XXXX and income over {$350.00} a year. Our obligations ( mortgages ) total {$660.00}. XXXX keeps summiting fraudulent applications and rejecting them. Each time they check my credit report, it is lowered

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 2024-06-27 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: U.S. BANCORP
State: MA

Complaint narrative:
I have received a handful ( 4-5 new ) hard credit inquiries over the past two weeks. All of these are fraudulent. These are the ones that I have been notified on, but there may be some I've missed. I have not performed any hard inquiry in the last year. 

XXXX XXXX XXXX XXXX XXXX ( spoken with company and will be removed next 72 hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX XXXX XXXX XXXX XXXX  ( spoken with company and will be removed next 72 hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX XXXX XXXX XXXX Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by XXXX XXXX XXXX XXXX  XXXX Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by slience engerlhard v gravens ( mo ) 281 sw 715719, I presume that no proof or illegal debt nor therefore and such debt, in fact therefore exists.

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 2024-06-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by slience engerlhard v gravens ( mo ) 281 sw 715719, I presume that no proof or illegal debt nor therefore and such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by slience engerlhard v gravens ( mo ) 281 sw 715719, I presume that no proof or illegal debt nor therefore and such debt, in fact therefore exists.

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 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: IA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-27 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:
PLEASE BLOCK AND REMOVE Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation