vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
My mortgage was recently transferred to a new service provider, Lakeview Loan Servicing LLC effective XX/XX/2021 XXXX loan # : XXXX ). 

I have been up to date on every single mortgage payment ( overpaying my mortgage in-fact, towards principle ) and made a regular {$2500.00} mortgage payment to my previous mortgage service provider on XX/XX/2021. The previous mortgage service provider, XXXX XXXX XXXX XXXX ( Loan # : XXXX ), received my payment and for XX/XX/XXXX and then confirmed they passed on the payment to my new service provider effective XX/XX/2021. 

However, my new mortgage service provider ( XXXX XXXX XXXX ) says they have yet to receive the XXXX mortgage payment that I paid to XXXX XXXX XXXX and has since called me every single day asking me to make the payment. I've received calls, voicemails, and letters from them to make the XXXX payment -- despite the fact that the payment was confirmed to be passed on by my previous mortgage service provider. 

Can you please track down whether Lakeview Loan Servicing LLC received my XXXX mortgage payment from my previous mortgage service provider and have them apply it against my mortgage balance please?

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without ( a ) validation ( b ) oe any notification they were simply putting it back on and ( c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: KS

Complaint narrative:
XX/XX/21 received a robocall regarding an old debt which was paid last year in full. The recorded message stated that my employer would be notified as well as the HR department and that this would be the only attempt the collection company would take to reach me to fix the situation. I called the collection company back on the number in my caller ID because the message went too fast to get written so it was the only number I had. When the phone was finally answered by the collection company, I was half way through explaining what I needed help with and the receptionist or whomever hung up after telling me that its my problem that I have the debt and I should have been writing as soon as the call came into my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without ( a ) validation ( b ) oe any notification they were simply putting it back on and XXXX c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without (  a ) validation ( b ) oe any notification they were simply putting it back on and ( c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!

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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
In XX/XX/2020 XXXX distributed a tax payment out of our escrow account to a property we don't own. The property has a similar address. They also made the correct payment for my home. As a result our escrow balance dropped and our monthly mortgage payment was increased several XXXX dollars to make up the deficit. XXXX did not correct the issue and in XX/XX/2020 we were sold to XXXX. 

I have sent all the information to the refund proxy department at XXXX in XXXX to try and recover the tax payment in the amount of {$2100.00}. They have yet to reply or contact me. Each time I try to follow up I receive a standard interim letter. I have provided them all the documentation. I have contacted the Town. We just want our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I got a phone from XXXX and the phone broke back in 2015 and I returned the phone from them and I have email confirmation from them saying they received the phone but I never got a knew one so they sold my information to several collection agencies and now Im being harassed for debt that it not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: GA

Complaint narrative:
These inquiries are unauthorized and need to be removed from my credit report immediately.

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 2021-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX Credit Card : I received credit card and utilized an estimate of {$300.00}. I was making my regular payments of {$29.00} per month. I paid the {$29.00} for approximately XXXX XXXX XXXX XXXX months. Unbeknown to me the payment was changed from {$29.00} to {$42.00} even though I continued to pay the {$29.00}. Once the payment changed to {$42.00} and my payment of {$29.00} was received I was billed a {$13.00} negative amount and the account was closed for late and less than what I owed. I never receive a request to pay {$42.00} instead of {$29.00}. However, a negative report was sent to the credit bureau and caused my score to drop XXXX points because the card was close. After the account closed and XXXX XXXX dropped it dropped another XXXX points. 

This has caused a negative effect on my credit. I want XXXX XXXX to correct the credit report and explain why my payment was increased without my knowledge. Especially since the payments was made in the correct amount for over months. Now I continue to get advertisements and I want that to cease and desist. XXXX XXXX even sent me a copy of the credit card that they closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have pleaded to capital one to remove the most recent XXXX missed payment reports on my credit. I am currently going through financial hardship waiting for unemployment which has yet to approve. I recently paid off the card and has been making sure it stays in the positive. I have been a good customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
The mortgage was in my father 's name but he passed away in XX/XX/2019. It took almost a year to get my mother named as successor of interest completed with US Bank. We also included XXXX of Attorney which allows me to act as my mothers representative. US Bank calls me continiously but there is usually no one on the other end. It's simply their computer calling my number but no agent. There was an agent today named XXXX. She asked to speak with XXXX and I explained that he had passed and my mother was the SOI and I had POA for her and this had been in place for over a year. She stated that US Bank has no record of this and instructed me to send in a death certificate. As I have already done this, I don't know what else I can do. The also went to her house when she wasn't home and taped a letter to the door addressed to XXXX XXXX who is deceased.

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 2021-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
In the last XXXX months I have made XXXX seperate requests via email, phone call, text message, and chat to stop the " Pay XXXX '' feature on my account. 

This " feature '' takes overpayment ( payments larger than the minimum payment ) and applies them to future minimum payments. Creating a situation where interest continues to accumulate on larger and larger principle balances. 

The company has repeatedly informed me that the feature is cancelled, that the payments will be applied directly, and that I have nothing to be concerned about. Each time I submit a payment it just pays ahead. 

I am tired and frustrated, especially since I wasn't aware of how this worked. I feel deceived by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
My credit has been ran numerous times in past few years without my knowledge! They are unable to provide documentation that I have submitted inquires. Asked them to be removed and unsuccessful.

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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
My lender keeps on lying and giving false information. I submitted an application for loss mitigation to keep my home but they keep denying it because of unemployment when clearly I have a part time job and also getting SS benefit. I also never received any document from them about the denial so I sent another application but they automatically denied it again without reviewing my application. Please help me. I dont want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MO

Complaint narrative:
XX/XX/221 Binance.US has my money, I bought cryptos on their platform. Balance at the moment is {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was behind on the loan. I set up a payment arrangement with the company. Capital one. I was on time every month since the arrangement. It came directly out of my account. They have reported me take to the bureaus as late every month. When in fact I have not been late. I called to get some answers. The tech was rude and he was so muffled I couldnt hear. I asked for a supervisor. To no avail. He said someone would call me back. No one ever called back to explain to me what was the problem or why I was reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The agent did what he could to help me then referred to his supervisor then nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof

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 2021-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
Back in XX/XX/XXXX, I was laid off from my employer as they were heavily impacted by the covid19 pandemic. I had reached out to XXXX XXXX in order to apply to any Payment Reduction programs they could offer for borrowers in my position. They approved a reduced payment for a 6 month period for which they later advised could be extended if the application was approved again. When the program had expired, I received an email from the designated department approving the extension of my reduced payments. The following month after receiving this email as well as having a telephone conversation to approve this, I was sent a bill of {$350.00} that needed to be paid immediately on top of the monthly bill I normally receive. I reached out to their offices now for the third time in a month and they advised me that now I would need another Payment Plan on top of the existing XXXX that I made back on XX/XX/XXXX to pay the {$350.00}. I agreed to the second payment plan over the span of 6 months in spite of it now increasing my monthly payments to more than what I originally paid prior to being laid off back in XX/XX/XXXX. They verbally confirmed via telephone call and email that as long as I made my payments on time, the account would NOT be reported as delinquent and that all these arrangements will be updated on my account. After making the first payment reflecting the new amounts and both Payment Arrangement totals on XX/XX/XXXX, we received a letter on XX/XX/XXXX saying that they haven't received a payment and failure to do so would result in my account being reported as delinquent and my co- signer being reported to the credit agency. I reached out the XXXX  XXXX again who in turn communicated that the Account Delinquency letters are computer generated and will continue to be sent until the {$350.00} is paid in full. They refused to confirm that the delinquency status will be removed from my account as well as whether or not my co - signer will be reported to the credit agency because of these " automatic notices ''. Their representatives are unable to help because they are not knowledgeable on how these stacked payment plans can be communicated clearly or how to update accounts. Their supervisors are not communicating all the restrictions that come with their complicated payment plans and how they affect the overall borrower and account. In addition, their supervisor team is disrespectful and immediately want to be off the phone instead of trying to empathize with their borrowers who are doing all they can to just PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, a new patient to our XXXX practice, XXXX XXXX, was seen for an XXXX XXXX, XXXX XXXX, and XXXX  which totaled {$1200.00}. The patient, XXXX XXXX, received the XXXX  on XX/XX/XXXX. He complained that the XXXX  thickness was too thick. We spoke with him regarding his high prescription ( XXXX ) and offered to send the XXXX back to the laboratory to remake the XXXX  and try to improve edge thickness. We spoke with Mr. XXXX on many occasions regarding the status of the order without incident. On XX/XX/XXXX, Mr. XXXX was dispensed the XXXX  via XXXX. XXXX with a pick up signature. Later, we discovered that previously on XX/XX/XXXX Mr. XXXX had already filed a chargeback with his credit card company stating he cancelled the order. Our signed policy strictly states the patient has 24 hours to cancel the order. We sent documents to the credit card company, JPMorgan Chase Bank, disputing the claim and referencing the XXXX XXXX, XXXX, and the pickup signature. The merchant services initial debit our account ( {$1200.00} ). A dispute letter was submitted. Merchant services credited the account. Later, we receive a second chargeback letter on XX/XX/XXXX. Merchant services debited the account again stating the customer cancelled the order. We have now filed legal action against the fraud. We are filing this complaint against JPMorgan Chase Bank for allowing their customer to not pay for goods and services provided. Mr. XXXX has stolen the XXXX and has not paid for professional services at his request. We have clearly submitted documents confirming actual events, however, JPMorgan Chase has acted in favor of their client 's claim without any supporting evidence or documentation. We believe JPMorgan Chase is culpable in this complaint due to negligence in not examining all documents supporting our claim or simply ignored it. And, unilaterally supported judgement of the chargeback without evidence to the contrary. JPMorgan Chase upper management should be alerted of this practice and provide additional training to the department which has poorly handled this dispute.

Company response to consumer: Closed with explanation