vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Hazard insurance for my home was cancelled on XX/XX/2020 because my hazard insurance company ( XXXX XXXX XXXX ) did not receive renewal payment for 2020 from my escrow account. I've been paying for my hazard insurance every month as part of my monthly escrow payments. Now, my morgage lander ( LakeView Loan Servicing LLC ) sent me a notice saying that they will get a hazard insurance for me at their own terms, which will be much higher than the ones I had previously payed. When I called the escrow department at LakeView Loan Servicing LLC, no one was able to help me ( I talked to three different agents ). I was basically told that they disburse money to whoever they have on their records and they don't care what happens to this money, and if the other party gets the payments or not. They blame it on me saying I was supposed to renew the hazard insurance myself at the end of the term. But I don't pay the premiums myself, and I have no ways of controlling the insurance renewals. They do it out of the escrow, and I have to rely on their promptness in payments. So, I'm in total dispare at this point because it seems like the money I've been paying for the hazard insurance into my escrow account ( at least for the last two months ) is lost. No one at LakeView Loan Servicing escrow department is willing to resolve the issue. The more I call them the more irritated they get. I have no idea how to resolve this problem and who to contact next. If you need any additional documents, I will provide the on the request.

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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts, and this Bankruptcy isn't mine. Please remove them.

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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts, and this Bankruptcy isn't mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit card account with USBank due on XX/XX/XXXX, On the due date I paid the account online ( see attached confirmation of the payment ) but USBank posted the payment the following day XX/XX/XXXX and accessed a {$29.00} late fee which I thought was outrageous, I send an email on XX/XX/XXXX and ask why I got accessed a late fee where I paid the account on the due date, I was told the payment was late I called the customer service again the following day asking for an explanation and I was told that the reason I was late is because the payment was made on XX/XX/XXXX at XXXX XXXX and the cut off time is XXXX CST. This is so unfair and unacceptable, If the due date is XX/XX/XXXX, the payment should be good up to XXXX XXXX. I have requested for a refund but USBank refused. This practice is outrageous, unacceptable and unfair This late payment will be reported to the credit reporting agency and will affect my credit, this payment was not late

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 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union. This debt just randomly shows up out of nowhere! You can see by my stellar payment history that i do not have this happen. This account is NOT MINE and belongs to someone else. I never had any account with these people. Please remove this account from my credit reports 1 collection accountTotal balance : {$1600.00} XXXX  XXXX XXXX Original creditor : XXXX {$1600.00} 0 % paid 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 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: IL

Complaint narrative:
In essence the following occurred : 1 ) I was misquoted a rate and time by a vendor business partner 2 ) The vendor pushed back the time to XXXX as he was at gym with another client or getting his own workout in. 
Vendor took close to 20mins to get ready. I was truly not going to quiver about that 20min lost tart assuming I had been given the a full 2hrs or at {$120.00} had been refunded. So since neither of those occurred and the vendor tried to justify the pay received and time Thus, Im now asking and requesting the full {$150.00} be refunded for non-performance, fraud, deceptive business practice on behalf of Cash App its parent Square Inc the Vendor and owner of the XXXX XXXX on XXXX Cash Apps need to pull money of the vendors card or account and refund me the {$150.00}. 

The cash App site leads you to believe that if issues arise that you can cancel / refund a payment and they give you numerous option However, Cash App never investigated they just respond that they are sorry and tell consumers they need to contact their Financial institution to resolve the issue and if you drill down far enough on the app you are told to contact Square Inc the Parent of Cash App I will be contacting my bank today XX/XX/20 Reason for Refund credit 1 ) The name of vendor is the same as the name of the vendor was using 2 ) No invoice was every produced 3 ) The terms of the engagement were not met I was shorted 30mins.

4 ) Vendor quoted me an hourly rate prior to engagement then tried to change his rate and terms the following day in an attempt to justify not refunding {$150.00}. 
5 ) The person booking the engagement was not the person performing the training .Cash Should act in Good Faith if they claim to have options to deal with issues A letter was sent to Square Inc on XX/XX/20 which consisted of exhibits and was a total of 56 pages please note a portion on that letter is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: UT

Complaint narrative:
Freedom Debt Relief has taken out several thousands of dollars out of my deposit account for there " service fees '' prior to settling multiple accounts. I have moved my business to another debt relief company. I have tried multiple times to get the fees back for the settlements that they didn't fully settle but they think they have a right to the monies. They did fully settle one settlement but for two others they took out the fees upfront. I am looking at close to {$2000.00} in reimbursement from them and any other attorney fees. Also some compensation for losing time off work, effecting my emotional state another {$1500.00}. Total for {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AK

Complaint narrative:
For a year I have honored and completed a payment plan with LoanCare. This plan was originally set up with XXXX ( not the subject of this complaint ) with my then attorney. 
That agreement XXXX XXXX XXXX was in place when Loancare received the mortgage from XXXX. 

However, Loancare has refused to honor this legal agreement and continues to keep my account in collection, despite every single payment having been made on time since they acquired the loan. As they have never sent an accurate statement, this has been a challenge. 
I have bank records of these payments and phone recordings of my monthly discussions with LoanCare representatives chronicling this ongoing issue. 
For over a year I have dealt with the inability to make online payments and the inaccurate monthly bill for over XXXX in late mortgage payments with Loancare telling me that they need more " paperwork. '' LoanCare would not accept documents from me without my spouse 's signature - however she was not and is not on the loan. She signs, noting " not on loan '' each time and had asked for a simple explanation of why her signature is required. They will not explain why they keep resending paperwork even with both signatures. 
I have received several modification packets from Loancare claiming we are in default - each time I have signed, notarized, and returned them, feeling I had no other choice - knowing I was being treated improperly and suspicious that LoanCare is attempting to change terms. 
This is harassment. We've been extremely tolerant until now, but we are prepared to continue to take action against Loancare and XXXX XXXX XXXX attorney to Loancare ) for duress, continuing to harm my credit rating, continued harassment via email, mail, internet and phone.

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 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Have been a loyal good credit card customer with Citi Bank with a Mastercard for over a year. I have ALWAYS made my payments in a timely manner, and often I make SIGNIFICANTLY MORE than the minimum payments. I made a lump sum payment two days ago for {$500.00} off my credit card which has a limit of {$4000.00}. In response, Citi reduced my credit limit for making all my payments on time and being a great customer? 

I am at a loss. I attempted to contact Citi to work this matter out, but they refused. Please advise what other federal formal complaints I may file against Citi Bank as well for their heinous act of financial terrorism against a good customer.

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 2020-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ

Complaint narrative:
The law offices of Mitchell D Bluhm & associates, LLC sent a letter that I owe a medical debt of {$210.00}. I disputed the debt and asked for a validation of the debt for reference account. I then received another letter stating that they received my dispute with the enclosed " verification '' from the current creditor. 

Their verification included : Statement of account from a service date of XX/XX/XXXX A bill for the amount of {$210.00} dated from XX/XX/XXXX The law offices of Mitchell D Bluhm & associates, LLC failed to provide any documents that say I signed for this debt and proof that they are able to collect in the State of Arizona where I reside. 


I consider this harassment. I need to see proof were i signed for the debt since i do not recall this debt whats so ever. i feel they are violating my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC
State: CT

Complaint narrative:
This is a multifaceted problem. I took this loan out for emergency repairs to my home, approximately {$25000.00}. As I had just purchased my home, my credit options were limited. The contractor I hired offered Greensky as a financing option. ( My issue is not with the contractor ). Prior to accepting the loan, I carefully read the terms, however, since accepting, I'm finding some of their practices to be deceptive, predatory, and unethical. First of all, the loan is presented as a " credit card. '' I believe this is a loophole to avoid usury laws. 

The terms of the loan are essentially that I have one year to pay off the loan in full. If it is not paid off within that time, I automatically owe the interest for the full term of the loan, regardless of how quickly I pay it off. This will result in automatically being charged approximately {$29000.00} in interest on a {$25000.00} loan, again, regardless of how quickly I pay off the loan. The payments I make now only go toward the interest, but if I pay it off within the promotion period, those payments are applied to the principal. As such, my credit report reflects that I have not made any payments on the loan. It still shows the full balance. In fact, it often shows that I am over the {$25000.00} credit limit, because although it is zero percent interest for 12 months, they are still billing me as though I'm paying monthly interest. 

My plan from the beginning was to refinance the loan at the end of the term. The real issue arises in that because the company is reporting 1 ) that the balance has not decreased, and 2 ) that I am over limit, this loan is having substantial negative impact on my credit score, thus eliminating my chances of qualifying for a loan to refinance. Since taking out this loan, my credit score has dropped 80-100 points. My score went from about 755 to about 628, despite paying off a credit card, and several hard inquiries dropping off my report. I believe this company does this on purpose, in order to keep customers trapped in this loan. 

Additionally, I'd like to point out that although I was truthful in my application, I was shocked that this company gave me {$25000.00} without asking for a single piece of documentation. It seemed absurd to me, especially in light of the fact I had just taken out a mortgage a month or so before. This leads me to believe this is a predatory lender that gives out loans with no regard for the customer 's actual ability to repay. 

There are many shady, deceptive, predatory things going on with this loan. I'm hoping the CFPB will address this to save me and many other potential customers the heartache of dealing with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I had a student loan with citizens bank for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX, XXXX and XXXX have been reported to with these invalid dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I unexpectedly lost my job, to no fault of my own. I have had to submit two separate loss mitigation Packages to BBT. Going through their process two times. Each time they give me the run around, misplaced or missed documents I sent in. No reading the evidence Ive sent in. Denying my ability for an FHA Workout program simply bc Im not in default. They said this to me several times as if I need to default on my loan to be helped. The second time around I had to recieved a denials call once again because I am not in default and they said they dont see why I cant pay my mortgage. I lost my patience and said cant she see that Im out of work and have no income??? Im have no money left. 

The woman had no sympathy and said it I want to go through the process I could appeal their decision. 

BBT has been giving me the run around and playing games with my finances ever since I started asking for the FHA program that would allow me to skip a fee payments and put them on the back of my loan. In this time of deep distress they refuse to give me and accommodations and not I literally can pay one more mortgage payment and then I will be completely broke and will loose my home. I am besides myself and thing whatbtheybhave some here is not legal or ethical by any standards

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 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I filed a dispute on XXXX for hotel charges that were made in violation of the cancellation policy that I was provided at the time I booked the room. I was told to file this dispute by XXXX because they were unable to get the hotel that I made this reservation with to refund the money they charged when I didn't actually stay in the hotel. I was held to the policy that was only provided to people who booked directly on that particular hotel 's website, but even under that policy I should have gotten most of my money back. Per that policy I was supposed to get a refund for the nights that they were able to rebook the room, I checked to see if the room was available after I checked out and it said it was sold out. I provided a lot of evidence, including all the emails and screen shots that I took showing both policies and the fact that the room was rebooked. Simple did not appear to review the information I provided and instead went by what the hotel told them. They did refund {$110.00}, which they say was for two nights, but they still owe me {$700.00} per their cancellation policy. I just want simple to review my documentation before they close out my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for Experian : past due ( XX/XX/19 and XX/XX/19 ). XXXX  : past due ( XX/XX/19-XX/XX/19 ) and XXXX  : ( XX/XX/19-XX/XX/XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. 

These negative remarks are damaging my credit. Please promptly contact Experian,   XXXX and XXXX  and any other credit reporting agency to which you have reported this information and remove from my file.

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 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for CitiBank AAdvantage Platinum credit cards that offered XXXX XXXX promotional miles based on a certain amount of spend. CitiBank checked my credit and approved me for credit cards. I completed the spending requirements and the miles were deposited into my AAdvantage account. Before I could use these miles, XXXX XXXX has since closed my AAdvantage account, where they claimed I violated their rules. Citi Bank approved me for these credit cards and owes me the value of the promotional miles promised since XXXX XXXX, confiscated my miles. I also lost any perks attached the the card, as XXXX XXXX stripped them along with my frequent flyer account. As such, neither of the companies is living up to their obligations.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I had a student loan with XXXX  XXXX  for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX, XXXX, and XXXX  have been reported to with these invalid dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a student loan with XXXX XXXX  for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX Equifax, and XXXX  have been reported to with these invalid dates.

Company response to consumer: Closed with explanation