vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
XXXX XXXX  XXXX has had my loan since XXXX ( most recently ), till today/ where they transferred it to Fay Servicing. Prior to this it was with FAY and then prior to this, transferred to XXXX 2nd time. and now with fay again. 2nd time. They do this every time i am late on payments. a few months, where i paid on the XXXX rather then before the XXXX. Loan is current. 

Fay Servicing is a sister company to XXXX. It seems they do this swap every time there an ability to go after the owner for foreclosure or late payment or in my case, forced placed insurance. Their reviews online have made me extremely wary to what predatory practice they are trying to achieve. 

I can't get homeowners insurance without purchasing a new roof ( unattainable at this time ), I agreed to XXXXXXXX XXXX forced lender insurance policy amount. They sent me the declaration and all was fine. Till today, I find out XXXX XXXX ' my mortgage to Fay service , and they aren't accepting that declaration. I have a letter from XXXX stating ' they purchased " this insurance. if its purchased with my escrow money, it should be honored. 

I have to go thru the entire process again. I will be backlogged with payments since XXXX XXXX when my Wind insurance lapsed. I have XXXX policies XXXX XXXX, and XXXX  ( forced place ). or i did. Fay is now telling me they will need to re address this. Call me 'psychic ' but, i can see what they are going to try and do... create a Wind policy that is going to be so exhorbitantly high that i won't be able to pay it. Wind policy from XXXX was XXXX which is a decent amount. 

I am asking for help to stop this kind of predatory behavior. I have been in this house 20 years. Sometimes struggling. and asking that Fay honor the declaration / insurance that rushmore bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: IL

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this 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 non-monetary relief
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this 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 2023-06-22 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: MS

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. 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 non-monetary relief
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XX/XX/2023 : Best Buy Credit Card ( Citibank ) statement included fraudulent purchase of three digital e-gift cards totaling {$500.00} : - XXXX XXXX XXXX. {$200.00} - XXXX. {$200.00} - XXXX XXXX. {$100.00} On the same day I received three emails from " XXXX XXXX from Best Buy '' with links to the e-gift cards that I presumably purchased. I did not purchase these e-gift cards. Called the Citibank customer support center ( XXXX ) the same day to report the fraudulent purchases. Cancelled the credit card and was re-issued a replacement. Reported the incident to the Citibank Fraud Research Department via a phone transfer from customer service. 

XXXX XX/XX/2023 : Received a letter from Best Buy ( Citibank ) Security Operations stating that following their review, I was responsible for the purchases because I had " received benefit from the disputed charges ... ''. I've not downloaded, nor have I used the e-gift cards that I didn't purchase. 

XXXX XX/XX/2023 : Contacted BB/Citibank Security Operations after filing a police report. They requested and I fax 'd to them a copy of the report. 

XXXX XX/XX/2023 : I contacted BB/Citibank Security Operations to request a status on my claim. They relayed that they'd not yet received the Police Report. I re-FAXed the report ; the charges still remain on my CC statement.

It's now been over three months and my complaint has not yet been resolved. In fact, the last letter from Citibank threatened me with their intent to report my charges to the credit agencies...

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 2023-06-22 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: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2023-06-22 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Date of the Fee : XX/XX/XXXX Amounts : {$430.00} Actions that were taken : XX/XX/XXXX : I was doing an internal audit on my Bank of America XXXX Account, I noticed two charges totaling {$430.00}, titled " Statement Copy Fee '' from XX/XX/XXXX. After chatting with a Bank of America associate, I am almost certain that this fee was associated with a Statement Copy of XXXX or XXXX that I had requested at a local Bank of America Banking XXXX XXXX XXXX XXXX XXXX in XXXX, which I was never informed that I would be charged such a fee at the time of the request, nor did I ever actually receive the statements through my mail. I am very certain that I did not sign nor agree to any fees that would be imposed to my accounts. The representative whom I talked on the phone, told me that since it had been more than XXXX year, he would not be able to refund that fee, instead he would submit a complaint, and it should be resolved in a month or so. 

XX/XX/XXXX XXXX PM : I haven't heard anything in XXXX months so I decided to pick up the phone and get an update. The representative ( I did not get her name ) I talked to at XXXX PM, via my cell, could not find the aforementioned complaint case, and told me there is nothing she could do about it. I then asked to speak with a supervisor ( XXXX, XXXX ), after XXXX minutes she gave me the same answer - " sorry, it's been more than a year, there's nothing we can do for you. '' XX/XX/XXXX XXXX : I called again because I feel very adamant about this issue ( the feeling of being cheated, the disbelief in the lack of transparency and the lack of willingness to help ) but also he was more than happy to submit a complaint case for me in order to further escalate my case. 

XX/XX/XXXX XXXX : I submitted a feedback email to XXXX XXXX, XXXX of Retail Banking ( this was the only source I could find in order to submit a feedback, see attached ). on XX/XX/XXXX, XXXX XXXX XXXX reached me for me to call her directly ( see attached ). I spoke with her on XXXX PM EST on XX/XX/XXXX, and she relayed the same thing - can't do anything about the fee and it was an XXXX decision. 

So at this point, I have exhausted all of my resources and wasted a huge amount of time to get this issue rectified, and to no avail. No one was willing to put anything in writing, all of the above was communicated to me verbally. 

I thank you for your time. Please don't hesitate to reach me should you have any questions. 
Thank you Very Respectfully 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 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I made a purchase with my cash card at XXXX using XXXX app to purchase my goods. I wasnt able to get my goods due to technical issues on XXXX app. XXXX stated I needed to dispute the transaction through my bank to get a refund as they are unable to refund me on their end.

Cash app refused to investigate my case. I submitted multiple disputes, Ive contacted cash app via customer support, phone, email and social media.

My disputes were denied in less than 24 hours each time indicating no one actually investigated my case. 
Cash app also restricted my cash card therefore I can no longer make purchases using cash app. 
I was accused of fraud even after submitting a letter from XXXX explaining my case with cash app and my dispute was not resolved after this. 
When I requested the reason for my denied claim, cash app sent me a copy of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-06-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2023-06-22 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: NY

Complaint narrative:
there are unauthorized inquiries that i didn't do i went over my credit report and check if any of this has been link to any of my account but i don't see them and i do not recall doing this inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TX

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
CBE group XXXX XXXX XXXX XXXXXXXX XXXX, IA XXXX Account XXXX Number XXXX They have tried to access my bank account with out a court order. 
I had sent them a letter of declaration of proverty. 
I will contact my free lawyer to see what can be done.

Company response to consumer: Closed with explanation