vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
On XX/XX/2024, my mortgage was transferred from my previous servicer to a new company called Fay servicing. I was not properly informed of this transfer and continued making payments through the automatic payment system with my previous servicer. My payment for XX/XX/2024 was successfully processed by the previous servicer. I only became aware of the new mortgage company and the transfer on XX/XX/2024, when they contacted me about my account being placed in default and a {$4900.00} default fee being charged with a {$50.00} late fee. On the same day, I immediately paid both the XXXX and XXXX payments in full to the new company. When I asked about the lack of notice, the new mortgage company stated that they only attempted to contact me by phone. I never received any email, text, or proper mail notification from them regarding the transfer. Additionally, I did not see or receive any notice that clearly outlined their expectations or provided sufficient information about how to make payments after the transfer. Furthermore, my payment history prior to the transfer shows that I consistently met my obligations without delay. The loan transfer occurred on XX/XX/2024, which means I am still within the XXXX grace period under RESPA which would end in XX/XX/2024. During this time, borrowers are protected from late fees, penalties, and default consequences caused by delays or confusion due to the transfer. Despite this, I was charged a {$4900.00} default fee and a {$50.00} late fee, which I believe is a violation of RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Let me start by saying that this was the first time I've started using this account. Before now, it was barely utilized. On Tuesday, XX/XX/XXXX, my account ending XXXX had {$5.00} available at the beginning of the day. At XXXX PM, a XXXX credit from XXXX XXXX was made, bringing my balance to {$100.00}. I then made XXXX transactions with XXXX for {$21.00}, {$25.00}, and {$36.00}. These transactions were made on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX respectively ( all times XXXX ). My CLEARED balance starting XX/XX/XXXX was {$120.00}. The next evening ( XX/XX/XXXX ) the XXXX XXXX transactions, along with XXXX other transactions for {$39.00} ( in addition to the XXXX transactions ) cleared, bringing my ending balance on XX/XX/XXXX to $ XXXX due to a {$3.00} ATM. On XX/XX/XXXX, I was assessed XXXX overdraft fees totaling {$100.00}. The XXXX notice points to the XXXX XXXX transactions. Citizens customer service stated the same and refused to research the issue further. At no time did the account have insufficient funds. In fact, I had to wait for the XXXX on XX/XX/XXXX to come through before purchases could be made. Customer service further stated that because XXXX XXXX transactions were pending on XX/XX/XXXX, the fees were triggered. However, as stated, I received the {$100.00} zelle before purchases were made. I stay on top of my bank accounts and know what is in my account at any given time. Citizen only provided standard boilerplate responses and then said unhelpfully that they more about overdrafts than I do. I did not overdraw my account. There was no way to overdraw my account as the transaction were already previously declined on XX/XX/XXXX until the XXXX was received. And I never asked for overdraft coverage to cover fees in the first place. Please see the attached documents to support my case. XXXX ) Online banking printout showing account was never negative, XXXX ) copy of overdraft notice showing the overdrafts XXXX have potentially been triggered by pending transactions for XXXX, XXXX ) XXXX receipt number XXXX, XXXX ) XXXX receipt number XXXX, XXXX ), XXXX receipt number XXXX, XXXX ) the XXXX confirmation stating the time it was received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: DE

Complaint narrative:
I am writing to file a complaint regarding inaccurate information about a repossession on my credit file. My vehicle was repossessed but later recovered after I resolved the outstanding balance. Although my official credit report does not show the repossession, I have found that it is still being reported in a credit repair companys system. The vehicle was financed on XX/XX/XXXX and the date it was repossessed is unknown as I did not know the status of the report or access to the information about the repossession but the vehicle was repossessed during XXXX. 

Additionally, the lenders phone number listed on my credit report is incorrect. The provided number does not connect to Security National-CR , which has made it difficult for me to contact the lender directly to resolve this matter. This inaccuracy suggests a broader issue with the lenders failure to maintain correct and up-to-date information, which is required under the Fair Credit Reporting Act ( FCRA ). 

This discrepancy in reporting the repossession, along with the inaccurate phone number, indicates that my account is not being reported consistently or accurately. Under the FCRA, lenders and credit bureaus are required to report accurate, complete, and up-to-date information to ensure the consumer 's credit report is correct. 

FCRA 15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies maintain accurate, complete, and up-to-date information.

FCRA 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to ensure accurate and complete information is provided to credit bureaus.

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) : Mandates that credit reporting agencies investigate and correct or remove any inaccuracies in a consumers credit file.

FCRA 15 U.S.C. 1681s-2 ( a ) : Requires data furnishers ( such as lenders ) to provide accurate information and correct any errors or omissions, including maintaining accurate contact information.

FCRA 15 U.S.C. 1681s-2 ( a ) : Requires data furnishers ( lenders ) to provide accurate information and correct any errors, including maintaining accurate contact information.

Since the account has been resolved and the vehicle was recovered, the status of the repossession should be updated to reflect the current status across all systems. I am requesting that the CFPB investigate this matter and ensure the repossession is removed in its entirety. Additionally, I ask that the lenders contact information be corrected by the FCRA 's requirements.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

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 2024-12-28 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: GA

Complaint narrative:
There seems to be an identity theft going on with my Equifax credit report as someone tried to apply for credit card or loan with a financial institution named " XXXX '' on XX/XX/year> using my SSN and other details without my consent or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One has raised interest rate on existing balance of both cards. Even increased the rate within the first year of opening both accounts. My existing interest rate is inconsistent with interest rates based on current offerings of the same card with current credit rating. Capital One is charging rates that would be considered against the CARD act. No advance notice of interest rates increase with each increase. No notice of right to cancel with increase. Evidence will show the interest rates that are in effect as of XXXX are higher than current offerings.This is absolutely discrimination and isn't in compliance with current laws. I have never missed a payment or been late on any payment since account opening. Current law calls for a consideration of reduced interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased a spa package for {$100.00}. They refused to give me a receipt, and upon checking my statement, they charged me {$350.00}. I filed a dispute with CitiBank but they declined to reverse the charge because I never provided the sales slip/receipt. As stated, the merchant refused to give me a receipt despite multiple requests.

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 2024-12-28 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: PA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing the reporting of all late payments and the inclusion of a timeshare account XXXX XXXX XXXX while the debt associated with this account is actively in litigation. 

Under the FCRA, creditors are required to report accurate information to credit reporting agencies. Furthermore, during litigation or dispute of a debt, it is a violation of Section XXXX ( a ) ( XXXX ) of the FCRA for the creditor to fail to properly designate the account as disputed. The timeshare company in question was issued a cease and desist in XX/XX/year> regarding the collection and reporting of this debt, as litigation is ongoing. The continued reporting of late payments during this period constitutes inaccurate and unfair reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CR UNION Conventional real estate mortgage with account # XXXX opened on XX/XX/year> and a balance of {$290000.00}. 
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. 

There should be no negative in my history for 3 years. I have all bank statements to show monthly payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: OK

Complaint narrative:
I paid {$50.00} a month to Lexington law firm in every month they claim they was taking something off my credit report and it actually stayed the same so I then contacted them asking them. Why do I still have the same stuff on my credit report after that I just dropped it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TN

Complaint narrative:
Earlier in 2024 I found a utility account - XXXX XXXX XXXX Account # XXXX - on my TransUnion credit report. ( This account was not on my XXXX and XXXX credit report ). I initially contacted TransUnion in XX/XX/year> ( XXXX letter attached ) and provided them with both a Police Incident report and ID Theft Affidavit from the XXXX police department that this account was not opened by me and was the result of ID theft. Both of these documents were sworn under penalty of law that they are correct and true. Unfortunately, I received no response from TransUnion nor was my credit report corrected by removing the illegal account. A second letter was mailed on XX/XX/XXXX ( XXXX letter attached ), again with the two supportive documents enclosed and again I received no response. On XX/XX/year>, I again mailed a letter with the two supportive documents. I am awaiting a response but expect none based on preious experience. Due to TransUnion 's purposefully ignoring my requests for them to correct their records and to remove the illegally opened/ID theft account, I am appealing to the CFPB before I turn this problem over to my consumer protection attorneys. They have told me I have an actionable case against TransUnion due to their irresponsible non-responses and the fact that I have lost approval on several credit cards as well as an auto loan. As a final point, I have also contacted XXXX XXXX XXXX, XXXX, SC about this matter but they have refused to supply me with any information on this account stating that because they are a quasi-public private company they are not regulated by the FCRA, can ignore the CFPB and don't have to respond to my requests or questions about this account. Please help CFPB!

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX items appearing on my credit report. XXXX and XXXX has done their job and removed the fraud items, but Experian still is reporting XXXX fraud item that needs immediate attention of resolve. Pursuant to FCRA XXXX XXXX - XXXX info is to be blocked within XXXX business days of receipt. I have sent all necessary documents.

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 2024-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
MY MOST RECENT COMPLAINT IS WITH " SHELLPOINT MORTGAGE SERVICING '' ( assigned my Second Mortgage from Specialized Loan Servicing ( SLS ). They have increased my monthly second mortgage payment substantially, to $ XXXX {$770.00}. each month, up from previous {$610.00}, only months ago, an monthly amount previously paid to Specialuzed Loan Servicing. 
Over the years there have been substantial increases in my monthlh second mortgage payments each time my mortgage was " assigned '' to different companies, by different companies, over many years. 
Prior to the {$610.00}, increase with SLS, I paid SLS {$430.00} month. Another substantial increase, of $ XXXX {$770.00} has occured, without explanation, from '' SHELLPOINT '', the newly assigned company. from SLS. 
I HAVE USED A LAWYER 3 years ago to get explanation from SLS, to no avail ( they have phone record ). SLS could not explain.NEITHER COULD A TOP COMPANY OFFICIAL EXPLAIN INCREASES TO MY LAWYER AT THAT TIME. 
My lawyer said to keep paying SLS who have recently assigned mortgage to SHELLPOINT.. 
I SENT LETTER DATED XX/XX/24 to Shellpoint for explanation of dramatic increase in monthly payments. 
XXXX weeks ago I called Shellpoint to request Copy of original promissary note. I have only received two previous " stall-like '', form letters saying takes time to gather information. 
SLS. NOW SHELLPOINT NEVER SENT EXPLANATION OF MONTHLY INCREASES, NOR ANY COPY OF ORIGINAL PROMISSARY NOTE. 
SOUNDS LIKE AN EQUIVALENT YO A SCAM OR COVER UP THAT WOULD PROBABLY NEED A CONGRESSIONAL HEARING TO SATISFY MY COMPLAINT. 
Furthermore, these assigned companies increases to my monthly payments has caused substantial financial burden to me and personal bills for sevices related to stress are adding up.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I am writing to formally file a complaint regarding a late payment that was inaccurately reported on my credit file. The account in question was settled in full XXXX years ago, yet the late payment continues to be reflected on my two different credit reports with XXXX and XXXX despite the resolution. 

Under the Fair Credit Reporting Act ( FCRA ), NFCU has violated my rights under the following provisions : FCRA 15 U.S.C. 1681 ( Section 602 ) I have the right to privacy, which includes the right to have accurate, complete, and up-to-date information reported to credit bureaus. NFCU has violated this right by continuing to report an inaccurate late payment after the account was settled.

FCRA 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) A consumer reporting agency can not furnish an account to credit bureaus without my written permission or instruction. NFCU has reported this account despite the settlement and without my written consent, which further violates my rights under the FCRA.

FCRA 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 if the payment was made under the terms of the settlement. Since my account was settled, no further late payment should be reported, as it has been resolved and no longer reflects the accurate status of the account.

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
Well, my information was exposed in the data breach. I have been reaching out on my XXXX XXXX account and disputing the consumer reports and hard inquiries on my credit in the last year is dropped almost XXXX points due to this data breach. Im not sure on the way your method to al You all about it, but I need this to be corrected as they are reporting and accurate data and there are increase being made against my credit. Im assuming its because of this data breach. Im reaching out to you. Also you were able to expunge these increase off of my credit report or to provide me with documentation assigning debt, as far as Im aware, I have no acknowledgment of anything other than my student loans. Additionally, some of the addresses that are on my credit report are not mine, which is why I reaching out to you all for help. Im not sure what steps I need to take, but I do know it is in violation to be reporting in accurate data on my credit report, especially since one of the ones whose Social Security was breached in the the data leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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