vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
XXXX called to request total amount to pay in full. Received an est but not exact amount in order to pay. Also advised that we are taking XXXX to pay prior to the XX/XX/year> deed in lieu of only hardship option they offered us as well to oppose that option and appeal if is an option even though we are paying in full on XX/XX/year> once XXXX payment was applied to our account XXXX called to deny the only option offered for loss migration hardship option was deed in lieu of foreclosure. This was also offered during an active bankruptcy proceedings. 

XXXX online payments or account information unecessable for full payment to bring up to date. 

XXXX call to point of contact or any representative was available or answer phone or take all backpayment to pay up in full and avoid the deed in lieu of foreclosures only hardship option offered to us. We applied for hardship through XXXX and have funds to Pay account but now that we have the money which they were advoed on XXXXthey are avoiding our contact to pay or offering payment options via avoiding or blocking us from communication to pay. 

XXXX on call for XXXX as of this compliant was being sent. All past calls were answered and addressed within 10min calls. They were made aware we would be calling XX/XX/year> to pay in full. Now avoiding our calls or online options. 

This seems to be an ongoing procedure from Fay Serving to take homes from hardship owners pursuing their homeowner options.

Our concern is they are trying to delay or contact to pay in hopes of proceeding to foreclosure and take our only home from us.

Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-11-25 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
We contacted Freedom in XXXX to get our PMI removed from our house. We followed their process and got the value of the payment we were supposed to payoff to get our LTV below the required 79 %. The total value was slightly above XXXX that we paid per XXXX in the PMI department of Freedom. We paid in XXXX. We then were notified that we need to submit additional documentation, which we submitted at the beginning of XXXX. We submitted this documentation and received confirmation on XX/XX/XXXX that freedom was reviewing the documents. We called numerous times with no updates over the last 30 days. Finally, we were told that because FEMA issued disaster relief in our area that we will need to get a BPO which will be an additional cost on top of the cost we are paying for the PMI that has not been removed. We are also being told that we did not meet the LTV which they gave us. The FEMA disaster relief declaration was issued on XX/XX/XXXX, 5 days after Freedom confirmed they received our documentation and payment was already processed. Freedom is using the FEMA declaration incorrectly as we submitted and paid prior to the declaration. This is causing us to spend more money to try to meet their requirements that arent disclosed to us as they blatantly misuse government policies. 


I would like to note we also reported this the XXXX. They responded and stated the FEMA declaration was the reason for the BPO. I asked them to send proof that we issued the PMI removal with full payment after the FEMA declaration. They responded to that, please see attached document. My issue with this response with 2 things.

1. they did not provide proof.

2. The number they gave to contact XXXX, is my wife 's phone number... I am at a loss for words at that part. 

Additionally, an employee at Freedom ( Employee # XXXX ) confirmed with me that the BPO is in their system but she was unaware why it was marked as not having access to the property. I have also attached the proof the agent sent me that the BPO was submitted.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Under the fair Credit Act Law 15USC 605B- Request of Debt validation and proof of debt ownership and right to privacy this company has been asked multiple times to provide the requested information and unable to provide Debt Validation and Loan ownership that includes my Wet signature and Verification. This company issued a letter to my home that was not my name or anyone that resides at this address.

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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Chainlink Services LLC
State: VA

Complaint narrative:
I AM GETTING CALLS FROM A COMPANY NAMED " CHAINLINKED SERVICES '' ABOUT DEBT COLLECTION. 

THEY ARE CALLING AND LEAVING THE NAME OF A FAMILY MEMBER IN THE MESSAGE WITH THREATS THAT THEY NEED TO CALL IMMEDIATELY OR THEY WILL BEGIN LEAGLE PROCEEDINGS. BUT THEY ARE LEAVING THIS MESSAGE ON MY TELEPHONE AND I LIVE IN ANOTHER STATE. 

THEY HAVE LEFT THE SAME MESSAGE NOW OVER 3 TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: SC

Complaint narrative:
Dear CFPB Representative, I am filing this complaint against Plaza Services , LLC for their failure to comply with federal consumer protection laws and for the continued inaccurate reporting of a collection account on my credit report. Plaza Services ' actions violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Gramm-Leach-Bliley Act ( GLBA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/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 2024-11-25 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: NC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal and blocking of the following accounts from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts have been compromised and/or associated with identity theft. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00} XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00}

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: SC

Complaint narrative:
My XXXX  opened a credit card account with discover bank on XX/XX/2021. The account was then closed and charged off with a balance of {$860.00}. I had no idea or knowledge of this account. I was in college at the time attending XXXX XXXX XXXX in XXXX, South Carolina. I confronted her about this account and she denied having anything to do with it. I questioned her again asking how did her old apartment address appear on my credit report and she said that she doesn't knhgow. I called Discover Bank numerous time to try to get this resolved however, nothing was disputed. When I spoke with Discover Bank they told me that the account was opened in my name however, my sister added herself on as an authorized user. I had no knowledge of this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MI

Complaint narrative:
This is for TransUnion they are not updating information on my accounts some have been over a year since updated tired of them misrepresenting my info. They lower points for nothing and then when I pay an account off they do nothing to up my score. Very tired of them making me look bad for years now. 
I am XXXX wished for using credit and never praised for paying things off.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Recovery Management
State: NC

Complaint narrative:
I filed a complaint with the CFPB and received a response on XX/XX/year> COMPLAINT XXXX related to Fox Collection XXXX. I requested detailed documents describing the alleged services and products received, the charge for each, and the dates allegedly received. I also requested detailed report of any insurance claims filed related to this charge. They made a false statement declaring that I responded with a validation of the debt and claiming that I stated that the debts were owed. I received the encrypted message but could not open it and could not get a verification email to allow me to. If they are declaring they received validation of this debt they must provide proof. I have requested this from Fox Collections along with another method of delivery for the document they provided. The fact they they made false statements should deem this debt not valid. I believe that when providing facts that the party agrees with the CFPB everything to be true. The blatantly lied. I have not yet received any document that I requested from them validating debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: TX

Complaint narrative:
Credit Control LLC is trying to collect and incorrect amount of {$150.00} which they justified by saying it has non-interest fees charged.

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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent {$70.00} to a friend, XXXX XXXX. The next day he realized that the incorrect card number was entered on his venmo, ( he lost his card and never put the new one in ). Venmo took the money from my account. I attempted to cancel, but they would not. The next day I stopped payment with my bank. Venmo shut my account down, until I made the payment. I eventually did make the payment on XX/XX/XXXX, just to turn my account back on, which was done that day, but my friend never received is money. So I paid the {$70.00} twice.

Then on XX/XX/XXXX, I was sent {$170.00}, which I see in my account, but it is giving me an error message saying " We could not transfer your money '' Something went wrong. You can not speak to or email anyone at venmo and they do not answer disputes. This is the second time I have issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: SD

Complaint narrative:
I found several inquiries from your company that I dont remember authorizing. This is impacting my score and causing me a lot of stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
I am writing to formally notify you of fraudulent accounts and inquiries on my credit report resulting from a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file.

Fraudulent Accounts : 1. Creditor Name : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} 2. Creditor Name : XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$430.00} 3. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} 4. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$330.00} 5. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$100.00} 6. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$440.00} 7. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} 8. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$760.00} 9. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$100.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations.

4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief