vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NE

Complaint narrative:
My mortgage was originally held by XXXX XXXX and was transferred to Lakeview Loan Servicing , LLC a couple of years ago. 

On XXXX XX/XX/2018 I contacted them via their website requesting the payoff for the mortgage ( Ticket # XXXX ). In the e-mail I received acknowledging this it stated it would take 3 days. 

On XXXX XXXX I contacted them as while I had not heard anything from them regarding the payoff, I did receive a notice stating they intended to increase the amount of my escrow payments. This did not make any sense to me as the amount in the escrow at that time was larger then the remaining principal. I suggested they use it to payoff the loan and send me the balance. I received a acknowledgement of my e-mail stating it would take 3 days to process. 

On XXXX XXXX I contacted them yet again requesting the payoff, referencing the previous request and was provided the same response. The ticket number of this request is XXXX. 

Due to their lack of response I have paid sufficient funds to have paid the loan in full which was delivered to them on XXXX XXXX and cashed on XXXX XXXX. I have yet to hear anything back from 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 2018-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Debt is not mine. Do not have a paypal account. I want all communication to stop. Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I processed a payment for {$1400.00} to finish paying off my student loans. Then I checked because money had not come out on the XXXX. The payment did not reflect in their system so. I scheduled it again. Then both amounts came out the next day. I spoke to them on XX/XX/XXXX and was told it would be processed in 3-5 business days but that never happened. I called on XX/XX/XXXX and spoke to XXXX ( no id given ) and then her supervisor XXXX ( ID  XXXX ). XXXX  first told me it would be in my account today but that seemed odd so I asked for a supervisor and XXXX informed me that the refund was never processed at all- directly opposed to what I was told on XX/XX/XXXX and by XXXX on the same day. XXXX would not give me XXXXXXXX XXXX id number for my records. I gave XXXX my account and routing number for a second time ( first time was on XX/XX/XXXX. I was told it cold take 7-14 business days. I then was processed to another, allegedly higher up supervisor. I was told all staff are " offshore '' and can not expedite the reimbursement of my refund for the money that was not scheduled in their system to be taken in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
COMMONWEALTH FINANCIAL ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX XXXX XXXX  XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. 
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: GA

Complaint narrative:
XXXX XXXX ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. 
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my 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 non-monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Account closed with an aprox XXXX balance. Payments had been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
We were applying for a mortgage loan with Wells Fargo Bank, N.A. On XX/XX/2018, Wells Fargo sent the initial mortgage loan disclosure package, with all our personal information, such as our names, dates of birth, social security numbers, bank account numbers, previous addresses, bank account numbers, everything, to the wrong address. When we did not receive the package, we contacted Wells Fargo and then discovered that they had sent it to the wrong address. Well Fargo advised that they would make efforts to retrieve it, but to date, XX/XX/2018, we have heard nothing back from them. We had to change every bank account and credit card we have.

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 2018-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is for Equifax and XXXX. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2018, I applied online for a TD Cash Visa credit card through an offer promising a bonus of XXXX points ( worth {$200.00} ) for spending {$500.00} within 90 days. My application was approved and I was issued a TD Cash Visa credit card. I made more than the required {$500.00} in purchases on the card within the first 90 days, and while I did receive a bonus, it was only XXXX points ( worth {$150.00} ) rather than the XXXX points ( worth {$200.00} ) specified in the bonus offer. I mailed TD Bank a letter about this on XX/XX/2018, but received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2018 I received an alert via email from XXXX XXXX and XXXX XXXX, regarding a change in my credit score. The change came from Capital One, which came with a {$300.00} credit limit and was cancelled on XX/XX/2018 @ XXXX XXXX. The card was also destroyed on that date and I was responsible for the remaining balance. After making a {$200.00} payment, I was informed ( after asking the right questions ), that there were additional charges of late fees and interest. When I closed the account and destroyed the card, it was my understanding that only the remaining balance was owed. This since I no longer had a physical card to use, it was explained to me that the remaining was all that was owed. Capital One has charged {$280.00} in late fees and interest on a closed account. In speaking with representatives, who were unprofessional, combative and confrontational. Also refusing to provide adequate information, choosing to refer me to a P.O. Box to send complaints. After again calling and attempting to escalate the call on XX/XX/2018. I was again given the run around as to my original cancel/closing dates. Choosing me to write in to complain. It is my hope that CFPB can assist me to expose this suspect and shady company and their horrible bank practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-24 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:
This complaint is for XXXX  and Experian. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.

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 2018-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Every month it is a drama to login to my chase credit card accounts and view my statements. I question both their software programming and ethics. I also question their understanding of basic finance and banking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24 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: NY

Complaint narrative:
Experian credit bureo still getting everyone my info and also dont deleted the data that is not my in my repert also they know i been victim of identity thief

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 2018-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple disputes and method of verification requests regarding accounts that are reporting on my credit report. I keep getting that the accounts have been verified with no substantiation. 

I have requested the names of who did the investigation, dates, how was it concluded that these are in fact my accounts. I also received the information after the 15 day cutoff for MOV requests. 


Equifax sent the info on XX/XX/2018. They received my certified letter on XX/XX/2018. 
The confirmation # on the report I just received is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AR

Complaint narrative:
I made two payments that were never credited to my account. The first payment for {$3000.00} cleared my bank on XX/XX/2018. Amerihome never credited my account but instead returned {$3000.00} to my bank account on XX/XX/2018 [ note I made two payments in XXXX when I learned they returned the funds. ] The second payment I made was {$3000.00} pay-by-phone with an Amerihome representative on XX/XX/2018 confirmation # XXXX cleared my bank account XX/XX/2018 online trace number XXXX XXXX XXXX XXXX XXXX. Amerihome never credited my account for this payment. I've called Amerihome numerous times and talked with many of their representatives to resolve this. I've sent pages of documents to prove the payments and I've conferenced several representatives from my bank with Amerihome representatives to verify these transactions. All of my efforts to date are unsuccessful. Amerihome has reported me late to the credit bureaus for months ruining my credit. It is important they recognize their mistakes and reverse the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The week of XX/XX/18 I was unable to get my free annual credit report from Equifax. I knew there was incorrect information on it from another credit monitoring service which is able to access my Equifax information. 

I was able to submit a dispute at some point that week. I received an email from Equifax with the report number and a link to view the results of the dispute. However the same problem persists in that I am unable to view any information about my credit or the result of the investigation. All paths on their service lead to an error saying that my correct information does not match their records ( see attached screenshot ). This leads me to believe that their information on me is incorrect in some way if I can not access it. I am reasonably sure the information I am providing is correct as I can access my credit at other companies. I reported the error to them but was unable to reach them as the email is unmonitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: TX

Complaint narrative:
I have sent multiple disputes and method of verification requests regarding accounts that are reporting on my credit report. I keep getting that the accounts have been verified with no substantiation. 

I have requested the names of who did the investigation, dates, how was it concluded that these are in fact my accounts. I The confirmation # on the report I just received is # 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 2018-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
For the past two years, I have had a credit score of over 780. I had never missed a payment, ever. I have two open credit cards, one is a Cabelas Credit Club Card. I rarely used the card, only using it for emergencies. I have never had a late payment on it. When Capital One took over Cabelas Credit Club Card in early XX/XX/XXXX, they magically found a charge on my card from XX/XX/XXXX that was not paid. It is XX/XX/XXXX, and my credit score was  never impacted by this/this information never existed for two years. However, when Capital One took over, my credit score dropped 100 points to XXXX. I called Capital One, and I paid the balance of {$13.00} and closed the account. I am looking to buy a house and while my credit score is still good, it is not where it once was. It is just frustrating that this charge was " found '' this year. Nothing was done to remedy my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24 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: OK

Complaint narrative:
I got charged twice by XXXX XXXX XXXX  in XXXX for services. I contacted my credit Card Company Citi-Cards to get one of the charges refunded. I also contacted XXXX stating that I got charged twice. XXXX has told me they have refunded one of the charges on XX/XX/XXXX, as of today I do not see a refund on my credit card account online. I am enclosing letters from XXXX confirming that they have refunded the charge. I have talked to the dispute department with Citibank but I am not getting anywhere they keep telling me that they are investigating. I first requested a refund in XX/XX/2018.

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 2018-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/2018, I received a credit monitoring alert that my XXXX account was removed from my Trans Union credit profile. I contacted Trans Union on XX/XX/2018, and they advised that XXXX  contacted them to tell them to remove the account due to fraud. I requested Trans Union to  send me that correspondence, they advised that I would have to contact XXXX  for that information. 

I then contacted XXXX to let them know. They advised that they had not requested for the account to be removed. 

How can credit bureaus contact other bureaus and delete, add, an or do what they want to do with someone's profile and not even advise the person? I feel that this is a personal attack by XXXX to keep my credit score low by removing positive account information.

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 2018-12-24 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: MO

Complaint narrative:
I HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT  AGENCIES BACK IN XX/XX/ 2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY 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 non-monetary relief
Consumer complaint received 2018-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
Back in XX/XX/XXXX of this year, I submitted in application for co-signer removal of the student loan. I have provided sufficient documents they wanted and have not heard back from them. I am always on time paying this loan and have been paying for it for the past ten years. All I asked is to remove the co-signers name and called multiple times to American Education Services to see updates. They kept telling we haven't heard from them yet. They submitted my application twice and still no response. Then actual lender is XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation