vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Lakeview Loan Servicing , LLC paid out 2 home insurance policies totaling {$12000.00} shorting my escrow account. Lakeview informed me I could not make direct payments to my escrow account.

After mortgage modification Lakeview 's escrow utility ran and increased my monthly loan amount, Lakeview never sent communication of new amount and began marking my account as " late '' After contacting Lakeview it took more than 6 months for them to identify why my account was showing as delinquent. Managers did not communicate what was going on with my account. The entire customer service piece was terrible and I've been on the other end of what feels like a company that is nickel and diming me. 

IXXXX XXXX XXXX XXXXXXXX Lakeview charged my bank account twice for my mortgage even though they were paid, I incurred overdraft fees because of this and the company suggested I was to blame for this. I am still waiting on a response from them on this item. 

I should not be liable for the late fees caused by their system failures and my credit should never have been impacted by their mistakes. 

Documentation : My documentation is limited to what is present on my loan portal. It shows a lack of detailed information from Lakeview in relation to their claims. 

-Escrow Analysis : Shows being run in XXXX and XXXX of XXXX which discounts their claim that a new escrow analysis was run post XX/XX/XXXX. 

-Escrow Letters : Shows NO letters being sent to communicate change in escrow at anytime -Payment history starting in XXXX XXXX showing no missed payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I purchased the PR service on XXXX XXXX to have them published XXXX PR articles related to my art career for {$2000.00}, but I was not satisfied with the result ( they provided wrong media platforms which weren't related to my art industry, I've marked them in the attachment ). Then I requested refund from them when everything was just in drafts and nothing went further. They said they'll asked refund for me and also asked me to file a dispute at my credit card company instead expecting their refund process. 

Then as they told me, Ive filed a dispute on Bank of America on XX/XX/XXXX. The Bank denied so I sent out my support materials like email correspondence document ( gmail screenshots ) between me and the merchant to Bank of America, as long as my claim statement. Those documents explained what kinds of services I need but how they made me unsatisfied ( Marked in red in email evidence pdf ). There are XXXX pages total, from the service start to the end. The part I requested refund but they asked me to file a dispute directly was showing on page XXXX. They never replied me about the refund from their side after emailing ( XXXX XXXX, that was the date from the end of the email in page XXXX ). Those should be enough materials but I got denied again with the same reason ( which I attached the BOA claim letter below ). Based on my denied reason from BOA claim letter, the service I expected to receive is XXXX articles related to my art industry got published on art media platforms, but they planned to provide XXXX AI articles on some XXXX XXXX which couldn't be any helpful on my art careers. 

I tried to contact the merchant for refund as well, they disappeared. The Bank might not got in touch with them as well since they're good at disappearing for refunds. And the best solution provided from Bank is uploading more documents which I've already sent! I'll consider it's a fraud from XXXX XXXX right now.

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 monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
My money was taken with a XXXX company and have no ideal who they where. I filed a police report and haven't heard any thing from my bank. Pease help me, Its a toll amount of XXXX. The Bank is Navy Federal Bank. I have a police report. This is our case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Information Account : XXXXXX/XX/XXXXXXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : Bank XXXX XXXX Account XXXX : **** High Balance : {$13000.00} Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection, Canceled by XXXX XXXX, Unpaid balance reported as a loss by credit XXXX Credit Limit : {$12000.00} XXXX and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau XXXX : XXXX : Account reported with a high balance of {$13000.00}, last verified on XX/XX/XXXX, and a paid status after charge off/collection. 
Experian : Account reported with a high balance of {$0.00}, last verified on XX/XX/XXXX, and an unpaid balance reported as a loss by credit grantor. 
XXXX : No detailed information provided, indicating potential discrepancies. 


Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX 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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Information Account : XXXXXXXX XXXX XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX  XXXX Account Number : XXXX High Balance : {$13000.00} Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection, Canceled by credit grantor, Unpaid balance reported as a loss by credit grantor Credit Limit : {$12000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : XXXX : Account reported with a high balance of {$13000.00}, last verified on XX/XX/XXXX, and a paid status after charge off/collection. 
Experian : Account reported with a high balance of {$0.00}, last verified on XX/XX/XXXX, and an unpaid balance reported as a loss by credit grantor. 
XXXX : No detailed information provided, indicating potential discrepancies. 


Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 
I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX 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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: AZ

Complaint narrative:
My name is XXXX XXXX, I am XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX, phone number XXXX. My email add : XXXX. First and formost I am a veteran and don't appreciate being treated as I have since moving into this complex. I have been waiting on my deposit from XXXX on XXXX for months instead they sent me to collections, saying I owe them {$1200.00}. that company IQ International are not able to tell me what I owe this {$1200.00}. for I have copies of my check back and front showing I have paid the rent, I have copies of receipts for professional cleaning of the apartment, copies of receipts from their office showing I returned all the keys into them. I have copies of the third party they use XXXX showing what I owed for the month of XXXX when I asked them why is the bill from XXXX still the same although no one lived in the XXXX XXXX the month of XXXX or XXXX they couldn't tell me even though I moved out the end of XXXX XXXX I still paid the funds required for XXXX, XXXX and XXXX. I am attaching copies of all my receipts. I am also writing to the XXXX and their XXXX XXXX XXXXXXXX and Consumer Protection Agency. Prior to my moving out in XX/XX/year> the refrigerator went bad in the apartment, instead of replacing it they tried fixing it so my food went bad, their maintenance man was there and was able to attest to it. They said I would need to give them receipts for the food that went back, who keeps food receipts after two weeks so of course they never paid me for that. If anything they owe me {$1200.00} plus interest. Once going into the office there at the complex they showed me their bill which was incorrect, showing I owed money for the Month of XXXX in which I have checks proving they received their monies and more than they should have. At this point they can keep my deposit of XXXX I don't want any further interaction with them once this has been cleared up. I am sent a monthly XXXX  statement each month letting me know what is due to be paid by the first of each month and that I what I use to paid them before the first of each month. I have always paid a month in advance for the rent which was always more that what the statement required. The Headquarters is XXXXXXXX XXXX XXXX  they doing business under XXXX XXXX XXXX location XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, AZ XXXX I can also produce all the cancelled checks from XXXX and XXXX showing they had been paid for all utilities and rent. 



I have sent emails of my concerns and still have not heard back from their office. I would like to have my deposit since I have meet the requirements to receive my deposit back. This was one of the last emails I sent to them. 
I will continue to write and complaint to other organizations about how this company does not honor what's in the contract. I will also continue to send out negative reviews on your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ

Complaint narrative:
When I first applied for a mortgage with Annie Mac Home Mortgage, I told the broker that I did not want to pay any points. He said no problem, we offer rates with and without the payment of points. As it came closer to my settlement date and to lock in a rate he would not offer me a rate without paying points. I told him that is not what he originally told me and he said it was out of his control. Since I could not get another mortgage within XXXX weeks, I ended up paying {$1500.00} in points to Annie Mac. Annie Mac immediately sold my loan to XXXX XXXX weeks after my settlement date. They scammed me into paying points as they had no intention of keeping my mortgage. They held a XXXX to my head as they knew I could not go elsewhere to get a mortgage within XXXX weeks so I was forced to pay the points.

Company response to consumer: Closed with explanation