vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC
State: IL

Complaint narrative:
I closed a transaction with Parkside lending last XXXX of XXXX, when the first payment letter came it was very confusing and I received several. I called my LO and he helped clear up the confusion. I made my payment of {$1900.00} and included a extra {$100.00} to my payment on XX/XX/XXXX I didn't realize that they sent me my payment back of {$1900.00} on the XXXX of XXXX. I was out of town and when I got back I kept getting calls that my payment wasn't made. I called my loan officer, because of the language barrier. I still wasn't understanding why they were calling for payment. My LO asked me to get the bank statement to show that I made the payment. when I went to get the statement and I sent it to him. there's where I realized they sent me my payment back for no reason. BUT they NEVER sent me my {$100.00} overage I made towards principal back. I had the exact same problem happen in XXXX, but this time some how they took the payment back after reversing again. But again, they never sent me my {$100.00} back. so now I was out overage of {$200.00} and they're calling me for money. VERY SLOPPY AND CONFUSING. XXXX told me to make XXXX XXXX payment and that I wouldn't be marked late because of their obvious error The overage got worked out, now I have my credit destroyed and they refuse to help me with removing lates from my credit. they have me with 60 and 90 days late, when it was their fault. They waived the late fees because of their mistake but wont remove the lates. HORRIBLE, it doesn't make any sense, especially after researching, Per servicing guidelines, lenders are not supposed to mark you late if a mistake happens through the transferring processing of a loan. Now they got their money and they don't seem to care about the customer now that they made their money. Now my loan has been sold several times because of my credit being so low. nobody wants my mortgage because they think I'm high risk. Every month, I'm panicking to make sure the correct servicer has my payment. I have now retained an attorney and will be seeking legal action because of their negligence. I have the proof that, they reversed the money and there was sufficient funds in the account. WORST COMPANY EVER!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXXviolated my 609 rights by reporrting incorrect information to TransUnion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer protection rights.

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 2020-04-16 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
the credit bureaus have posted old inquiries that have not been deleteed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I started receiving calls from Portfolio Recovery in 2018. In XX/XX/2018, I sent them a cease and desist letter indicating that they were to contact me via mail only. I have received a couple of calls from this year but always pushed them to voicemail. Picked up my line today to advise that they are not to call me. The collector on the other end of the phone repeatedly talked over and advised that I owe them money. I advised to send all notices and correspondence via writing and he continued to talk over me telling me that I owe them money and how do intend to resolve this matter. Their collectors are poorly trained and don't care that they are violating the FDRPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally Bank continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.

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 2020-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
the credit bureaus have posted old inquiries that have not been deleteed?

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 2020-04-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
the credit bureaus have posted old inquiries that have not been deleteed?

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 2020-04-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has consistently removed funds from my associated checking account to pay down my credit card balance without my authorization. They have closed their phone lines making it impossible to speak with a representative on the phone and have advised clients to use the chat feature on their app. I've used the feature and the representatives are unable to resolve the issue, advising to call a managers line which is also closed indefinitely. Citibank representatives refuse to schedule a call or provide a manager via the chat meaning there is no way to resolve this issue. This issue has occurred twice, once on XX/XX/XXXX through XX/XX/XXXX and now on 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 explanation
Consumer complaint received 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

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 2020-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
We refinanced our home a few years ago with XXXX XXXX. Eventually, our loan was purchased by a debt collection company, Lakeview Loan Servicing , LLC, based out of XXXX  XXXX, VA. Because our loan isn't serviced by a major bank, nor is it one of the types of loans specified as eligible for deferments during the pandemic, Lakeview is only offering forbearance plans. 

On XX/XX/XXXX of this year, I phoned their customer service and asked if I could learn more about the forbearance plans they offered. I confirmed I wasn't asking to enter one of the plans at that time. I merely wanted to talk to someone about them. I was told I would hear back from someone in their mitigation department within 5-7 business days. No one ever called, or attempted to call, according to my phone log. 

I have auto-draft, so the mortgage payment is normally taken out of my bank account on the 1st day of each month. In XXXX, no auto-draft took place. When I called Lakeview on XX/XX/XXXX, I asked what was going on. They informed me THEY had disconnected the auto-pay and placed me in a forbearance plan. I told them I had never agreed to either of their actions, nor had I ever heard back from anyone when I had inquired about it. They checked their logs and admitted this was true ( my wife and I recorded this phone call ). 

In the XX/XX/XXXX call, I asked that they reinstate the auto-draft. They said they would, and that the payment should be taken out on the XXXX or XXXX ( the date I wrote this ). Today, XX/XX/XXXX, I went to their website and it indicated auto-draft was never reinstated, so I manually made a payment on the site so we would be current for XXXX. 

In reading comments about Lakeview, their forbearance plans are such that if, say you didn't pay for 6 months because of loss of work due to the pandemic, you would owe the entire amount for those 6 months once that period is up. In light of current circumstances, many people will struggle to keep their mortgages current one month at a time, and very likely won't have the total of 6 months ' worth of payments when that period is up. When people can't pay at the end of the forbearance plan, their credit scores are trashed and their homes likely will go into foreclosure anyway. 

There are still homeowners who do not have the protection of deferred payments, either because of their type of loan, or which outlet is servicing it. Lakeview isn't required to offer deferments, so they aren't. Instead, they are placing people into forbearance plans that will often cost them their homes anyway. On top of that, in my case, they did so without my knowledge or permission. 

They appear to be a predatory debt collector, and I would like them warned, investigated and sited. Doing business in California is a privilege. Doing it honorably is an obligation.

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 2020-04-16 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: IL

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$960.00} XXXX   XXXX {$680.00} XXXX XXXX XXXX {$640.00} XXXX/XXXX  XXXX {$640.00} XXXX/XXXX   XXXX {$490.00} XXXX/XXXX  XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit inquires I did not authorize were done without my consent

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have a American Express Bluebird card and have had multiple accounts with them over the years. Recently I ordered a replacement card that was sent out to my new address. I signed onto activate my new card and update all of my new information with no problem. I have has an issue logging onto the app and apparently my login password was not recognized. I am not sure why this is occurring. i submitted numerous information to verify and authenticate my request for an opportunity to reset my password and my account has been locked for my protection for days now. I am prompted to simply call the customer service number XXXX which states they are available 24/7. This is not accurate and although we are experiencing a challenging time right now in this country and lengthy wait times are to be expected, for three days I have been redirected to dead end prerecorded messages, disconnected, and placed on hold for 90 minutes at a time more than once. I am writing to complain because the system put in place is far from advertised accurately. There are not alternative numbers for various customer needs and the lack of effective problem resolution needs attention. Drastic improvements need to be considered to allow support for cardholders requiring access to their invested finances or issues with maintaining their account stats both via online and by phone. Not being able to enter into my information has suspended use of my card and the verification process proves to be ineffective though proper information is entered into the recovery system. This reset/recovery process is not user friendly given the proof that it instructs one to call a number to have the account unlocked, yet provides no options or selections for sed user to do so. The customer is forced into reporting a card lost/damaged/stolen as an only option which delays access even further by having to replace a card that is actually none of the above and wait out the time it takes for processing, resubmission, reissuance, and delivery. This is just a viscous cycle with no positive result for the customer. Thank you for your time and I hope a positive solution can be found here as I was once a satisfied cardholder and now am not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and Professional Debt violated my 609 rights byreporting incorrect information to Experian regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported to Experian that I applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer rights.

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 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Over 5 years ago, I received a collection notice for a XXXX debt that was not mine. Someone had opened a XXXX account in my name in another state and never paid that bill. I immediately contacted the debt collection agency and they took it off their records. I then contacted XXXX and got it taken care of. Today, I received a debt collection notice from Convergent Outsourcing Inc. for this same debt. I called Convergent and explained the situation to them, and they are to send me a fraud packet to complete and return. I wish I hadn't called them because I gave them personal information and now I'm reading that they are a scam company. This debt has never appeared on my credit report.

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 2020-04-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a large purchase from XXXX XXXX on XX/XX/2020 for {$14000.00}. Then in XXXX I cancelled the order since the company could not meet my demands. I have a return receipt from the company for {$14000.00} on XX/XX/2020. I called my Citi credit card and filed the dispute and emailed a copy of the return receipt. Citi cards closed my account and did not resolve my dispute. The credit card company still says I owe this amount.

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 2020-04-16 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: NY

Complaint narrative:
Credit inquires I did not authorize were done without my consent

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 2020-04-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit inquires I did not authorize were done without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
During COVID-19, all other credit card companies and banks put an immediate plan in place to assist their customers. CitiBank did NOT! They still haven't over a month and a half later. They aren't waiving fees, skipping payments, or assisting in any way. Have called them ( waiting on hold for over 2 hours and then their system kicks you ), have emailed, have XXXX messaged and posted, etc. They have scripted messages to everyone and no solution. They are protecting themselves and giving no assistance in any way to their customers. All other CC companies have assist us, not CitiBank. They should have gone bankrupt in 2008, but got bailed out by us. They should remember that and assist us in this time of need.

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 2020-04-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME. THESE INQUIRIES ARE REPORTING WITHOUT MY KNOWLEDGE AND THEY ARE DUE FOR REMOVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: LA

Complaint narrative:
I am an attorney for a workers compensation recipient. He has three outstanding medical bills which should be covered by the workers compensation carrier. My client and I have tried repeatedly to get information on the debt in writing. The company refuses to send this information. My client allegedly owes three medical bills : {$1900.00}, {$1800.00}, and {$2400.00}. 

I contacted them on XX/XX/XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX. My client contacted them multiple times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.

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