vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: TX

Complaint narrative:
I closed on my first home on XX/XX/XXXX. I was advised to give the loan servicer some time to get their paperwork together on my loan and call mid XXXX to set up payments. I called my loan servicer ( Plaza Home Mortgage ) on XX/XX/XXXX, and I was told that my payments would be due on the XXXX  of each month. I was told to register and account online. So, I registered for an account with my loan servicer ( Plaza Home Mortgage ) on XX/XX/XXXX, and I enrolled in automatic monthly payments the same day ( confirmation number XXXX ). On Plazas website, it said that the first automatic payment would be drafted on XX/XX/XXXX, and that if I had any payments before that, I would need to schedule a one time payment. I scheduled a one time payment ( {$2300.00} ) for XX/XX/XXXX ( confirmation number XXXX ). On XX/XX/XXXX, nothing had been withdrawn from my account, so I called my loan servicer and they were closed until Monday, XX/XX/XXXX, but the automated system said that my payment was past due and I could incur late fees. I went ahead and scheduled another one time draft ( confirmation number XXXX ). I was planning to call Plaza on Monday, but I received a call from an agent stating that my payment was past due. I told them that I had enrolled in automatic payments, and I had also scheduled a one time draft payment. I gave him the confirmation number. He said that he documented and that the loan servicer would not be able to process my payment twice, so I did not need to worry about having two payments drafted from my account. I looked at my account on Tuesday, XX/XX/XXXX, and Plaza withdrew two payments ( both for {$2300.00} for a total of XXXX ) from my account. I called 8 separate times on XX/XX/XXXX during their normal business hours, and I could not get through to anyone. I called again XX/XX/XXXX, and I spoke to an XXXX XXXX She was empathetic but said that there was nothing she could do and she was unable to get me to a supervisor. I believe Plaza is trying to collect extra payments in order to get more interest from my loan. I need help in resolving this issue. I need to know if my money is being applied to principle or if my additional payment will push my next payment back one month. No one from Plaza can give me any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I've been trying to talk to an actual person at Lakeview Loan Servicing LLC for months about a brief hardship experienced due to Covid-19. I've called every number I can find related to the company. I'm either put on hold for hours, or I opt for a particular department through the automated phone system, at which point I'm either immediately disconnected or put on extended hold again. If lucky enough to not be disconnected, I'm given the option to leave a voicemail for a call back. But surprise. The voicemail box is always full. I've yet to even be able to leave a message. I've left requests through customer service online, but I've yet to receive any replies. 
I now am interested in refinancing my mortgage and am shopping for the best deals and rates. I'd like to speak with Lakeview to discuss the possibility of a simple rate adjustment. But as before, I can get no one to talk to me. 
I find it reprehensible that I'm not able to speak with a representative of the firm that holds a quarter-million dollar lean against me after purchasing my mortgage from my original lender.

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 2021-01-06 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: NJ

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: MD

Complaint narrative:
First, you do not seem to comprehend or appreciate the frustration that my issues have not been resolved in a timely manner. Why does it take 6 months and a complaint to CPFB to resolve these issues? I also have some minor issues that need to be resolved but it doesn't seem to be worth the effort given the service I have received so far. 

There seems to be a systemic issue with Ameris bank in that the responses from Customer service do not address my issues. This is true in this response, or when I talk to customer service representatives either on the phone or through email. Ameris bank also presents the image that it is not really interested in responding to issues and only does so when the time period required by Federal Regulations for a response is close to expiring. 

You did not explain why a mistake was made in paying my real estate tax or what steps were implemented to ensure this does not happen in the future. What assurances do I have this will not occur in XXXX, XXXX, and beyond? I will just be in the same situation waiting six months or more and then having to submit a compliant to the CFPB. 
Based on the fact that my escrow account was not managed correctly, I would once again request that my escrow account be closed and any monies be refunded to me. Please do not delay in acting on this. It seems the least Ameris bank can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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 have been disputing incorrect late payments with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: MS

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-06 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: MS

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06 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: MS

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive been sending written request to dispute several items on my report but my request has been ignored. The unverified items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with FCRA, 15 USC Sections 1681i within the time granted by law and kept on reporting the unconfirmed information which now, given all my attempts to address it directly with the creditor, as obstinate neglect and nonfulfillment with federal statutes. 

XXXX XXXX/ XXXX XX/XX/XXXX, XXXX {$2000.00} XXXX XXXX/ XXXX /XX/XX/XXXX/ {$0.00} XXXX/XXXX/ XXXX /XX/XX/XXXX / {$0.00} XXXX/XXXX  XXXX /XX/XX/XXXX / {$3100.00} XXXX/XXXX/ XXXX /XX/XX/XXXX / {$7200.00} XXXX/XXXX  XXXX /XX/XX/XXXX/ {$0.00} XXXX XXXX XXXX /XX/XX/XXXX/ {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Server is constantly down, wont let me withdraw my full amount of money in my portfolio, says I only have XXXX but my portfolio states I have XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-06 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-06 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: LA

Complaint narrative:
Almost 60 days now since I've sent disputes for those inaccurate and unknown accounts on my credit report but there's no response yet. I demand to DELETE ASAP those accounts or I will file a litigation.

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 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: MD

Complaint narrative:
I requested that the PMI be cancelled in XX/XX/XXXX when the loan amount dropped below 80 %. So I would like to be refunded the XX/XX/XXXX and XX/XX/XXXX PMI premium payments. I was told by customer service ( XXXX ) that PMI premiums will be refunded retroactively. If you review my phone conversation around Tuesday XX/XX/XXXX. You can confirm this. 

PMI was required to be cancelled in XXXX because the amount owed on the loan dropped below 78 %. This has nothing to do with requesting cancelation in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-06 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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 2021-01-06 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: FL

Complaint narrative:
I have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.

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