vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I used the HERO Program to have XXXX and new windows installed in my XXXX home in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( windows ), respectively. My total financed was {$18000.00} for 10 years. A yearly total of {$2600.00} was added to my property tax with XXXX XXXX County tax assessors ( totaling an additional $ XXXX/mo ) and is to be paid through my escrow account through my lender, Lakeview Loan Servicing , LLC ( also known as XXXX ). As I have an FHA loan on my home, I am required to pay my property taxes, PMI and homeowner 's insurance through an escrow account. On XX/XX/XXXX, Lakeview sent me an annual escrow account disclosure statement identifying that I am required to either pay an additional {$440.00} per month ( totaling $ XXXX/year ) or pay a one-time shortage payment of {$3000.00} ( due by XX/XX/XXXX ) and also pay an additional {$190.00} per month ( an additional $ XXXX/year ) totaling $ XXXX/year. I called Lakeview to get an explanation as to why they are requiring me to pay almost double the HERO payment and was not provided a reasonable explanation. I was told the reason XXXX is charging me {$5300.00} to pay HERO amount of {$2600.00} is that they have three different departments completing complex calculations to determine what the lender requires in my escrow account. That was the explanation for Lakeview requesting an additional {$2600.00} from me. I can not afford that.The reason I did HERO was because it provided me a tax credit that helped offset my tax liabilities as a single woman, with no children living in one of the most expensive areas of the most expensive states in the Country. I can not afford a $ XXXX/mo increase on an FHA loan. I could barely afford the {$220.00} - but since my old windows didn't lock and summer gets 109 in my area, I felt it necessary. Why is Lakeview legally allowed to charge me double the amount of the HERO Program loan?? This is federally backed program and participants should be able to participate without a predatory mortgage lender using it to double payments. Especially with an FHA loan. Lakeview KNOWS I am required to pay my taxes through an escrow account. They know I am trapped and that is why they are doing this. My only options are to borrow money ( somehow? ) to pay off HERO and then have to re-fi my home to pay off borrowed money, losing my HERO tax credit in process and my FHA interest rate or lose my house altogether since I now can not afford the payment. I believe Lakeview needs to be looked into for predatory practices. I also would like to note that Lakeview bought my mortgage - I did not CHOSE this company.

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 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXXXXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 24 and 25 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-14 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:
Equifax and XXXX  are reporting incorrectly that I am 60 120 days past due on the XXXX partial account numbers XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 14 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Since XXXX i have repeatedly submitted disputes stating that my account was settled with XXXX and they keep reporting back that account has been verified.. which it has not my credit score has settled a substantial drop bcus of their not looking into the facts.. XXXX even requested for them to call them so they can verify i not only wasnt late that the account was settled.. my report is constantly showing two months late with a balance of XXXX which is not true.. i need your help.. this deliquency is being reported by transunion and XXXX and XXXX had reported such also which resulted in a lower score bcus they reported it the same way ... ive also repeatedly complained about having bankruptcy reporting on my credit report all items on credit reports is suppose to come from the original creditor and ive submitted letters from bankruptcy court that proves that they dont release info to anybody that the credit agencies get it off public agencies which is not how they r suppose to receive their info it must come from the orginal creditor.. they keep sending me letters back saying its been verified which is false even the public agencies only have access to last four digits of social security numbers theres no way they can count last four digits as verified.. ive also repeatedly disputed my legal as should be reported on my credit report along with addresses and yet all these other names keep popping up.. ive sent copies of my drivers license with my legal name and my legal address

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Resources
State: OK

Complaint narrative:
I signed for classes in XXXX, XXXX and cancelled in XXXX, XXXX due to finding another classes at a closer vo-tech. Collection agency is showing his opened XX/XX/XXXX and date of last activity as XXXX and this was all from XXXX. Since I cancelled these classes prior to the class starting this should never have been shown as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received a payment from a company I work with and it was sent to the email address associated with my paypal account. Before that I tried to send money from my bank account to another paypal account, a feature that is provided by PayPal, but the payment was declined after 7 days and that same day paypal limited my account which means I couldn't buy, send or transfer money with my account. When I contacted paypal, the asked me to verify my information which I did and I was old to wait 2 business days before I could access my account again. Less than 24 hours later I received an email, from Paypal saying my account was closed and I will only be able to receive my hard earned {$50000.00} after 180 days. 
Paypal has no legal right to hold customer funds for more than 10 days, paypal is abusing its customer, more specifically its sellers and there ; s nothing we can do. 
I don't care if Paypal closes my account, I just want to be able to withdraw my money and so I don't have to ever deal with a such shady company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Since XXXX I received threats phone calls from Westlake Financial services located XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX saying that I was going to be sued. For a car Loan that was under XXXX XXXX x. 

When at the time I was going through a separation/Divorse. I ended up XXXX  with XXXX children at the time.I paid the Collection Company? Over the phone.The phone number that Westlake Financial Services had provided me for a third party Collection company, that represented them.I was told to call and make the payment.I was told by Westlake Financial services to make a one time XXXX XXXX payment and that the account would show Paid in full.And that I would receive a letter saying that the account was paid.With a XXXX Balnce NOt a charge OFF in my credit report. Westlake Financial Services Lied. They send me a letter from another company that says that they paid the charge off.After they took my money.WLF services stole my money {$2700.00} sold the truck and lied because I never received the " proper letter " that was agreed over the Verbal agreement over the phone.With there so called third party collection company? That every time since XXXX I been trying to get there information to sue them.West lake financials services never provids me with the knew contact info? .Keeps on saying that they will call me back and it never happens.Every time I complaint to Westlake Finacial Services I'm told by the Knew Supervisor 's that the information is going to be Fix and that a new letter is going to be send to me.And the wrong information is going to be Corrected. Westlake Financial Services keeps reviving the account in my personal credit report everytime that I complaint about this account with the updated dates of knew account.This is a very old XXXX? account that is not mine it was my ex 's XXXX XXXX. WHY don't they look for him instead of harrising me after the fact that I already stoled my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I used a promotion from my Sears credit card ( CITI Band Mastercard ) for a balance transfer. The promotional letter was not clear that a fee would be charged. The promotion stated a 0.00 % promotional APR on transferred balances until XX/XX/2020. 

When I noticed a transfer fee of {$500.00} on my on line credit card statement on the {$10000.00} transfer. I called and said I would pay the amount transferred to avoid the fee but they refused to cancel the fee. Since the transaction was processed on XX/XX/XXXX and I called on XX/XX/XXXX and felt there would be no cost to them. 

Thanks you, 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 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions LLC is attempting to collect {$1400.00} for a debt I do NOT owe. This is a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dyck-O'Neal, Inc.
State: TN

Complaint narrative:
CONTACTED DYCK ON LAST MONTH ACCOUNT THAT HAS BEEN PLACED ON MY CREDIT REPORT IN ERROR ... .ACCOUNT WAS PLACED UNDER CHAPTER XXXX ON XX/XX/16 AND THEY ARE CALLING TO COLLECT ON ACCOUNT IN WHICH IS AGAINST THE LAW ... I INFORMED THEM TO SEND WRITTEN NOTIFACTION OF DEBT AND THEY HAVE YET TO SEND ANYTHING AND WILL NOT REMOVE OFF OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Recovery Consultants
State: TN

Complaint narrative:
We began using Credit Recovery Consultants in XX/XX/2018. We were shown blacked out credit reports of people with bankruptcy that improved from low 500 scores to high 700 scores. We were told that since we didn't have any bankruptcies or judgements we could probably get the credit fixed within 60 days. XXXX XXXX charged us the $ 800+ dollars to tell us to pay off our credit cards ( {$8000.00} ), get a secure credit card ( {$300.00} ) and a few other things. While the credit card pay off improved MY credit some it did not improve my husband at all as he was not on the cards. We continued through the process to the end and did everything asked of us. In XX/XX/XXXX, yes ... way beyond the 60 days quoted, I tried calling XXXX multiple times to see why our credit had taken a dive. No answer. When we finally got ahold of him two weeks later he stated it was because a line of credit had been closed ( although, he was the one who submitted the information to the credit bureau to have it closed ). He then, without my permission used my credit card he had on file to charge a credit monitoring service for {$49.00} each for me and my husband. At the end, my credit showed little improvement and my husbands had shown no change. When we would call to ask XXXX what steps to do next, he literally had no idea about the file, what had been disputed, etc. PLEASE save your money and don't waste your time and hope with this man. This is a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is charging clients a minimum {$1.00} on credit card purchases even if you pay the balance the next day. I have excellent credit and I use other banks and card issuers and no other institution does this. I called them and they had some completely crazy explanation. I know it does not sound like much money but over the millions of customers they have its a big problem. Month over month Wells Fargo still has not learned their lesson. I keep them because they are my oldest card and I carry no balance. Used the card once for {$13.00} and paid off the next day and they charged me a minimum charge of {$1.00} for interest. Its a real shame.

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 2019-05-14 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. USDOE/XXXX, XXXX, US DEP ED.  INQUIRIES : 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 non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I made a contract with the XXXX XXXX XXXX without a contract and without placing social security. Cancel the contract because they used deceptive practices. I was reported to the three credit companies XXXX, Transunion and XXXX for a balance of {$190.00}. How did this company get my social security number?

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 2019-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My complaint is against Capital One Financial Corporation, they refuse to remove a business account which they closed out due to fraud charges. The information of the account is the following : Capital One business account # XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, status : paid and closed. I already tried disputing account with them, I attached the letter that was faxed to Capital One Bank on XX/XX/XXXX. Checking my reports Capital One didnt even investigate the account which it is a violation to the California Reporting Act. Also attached a Federal Trade Commission report filed for stolen mail and Im also attaching an unfiled SC-100 against Capital One bank, which in the case they dont remove account I will file. Not removing an account with fraudulent activity is a violation to the California Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Regrettably, I have been unable to confirm vital information from Amex about my cardholder agreement. My understanding is that it states that Amex will pay for mediation over a claim ( notice already sent to their GC ) in the event I file mediation via XXXX or XXXX. Unfortunately, I could not confirm this during my chat this afternoon with an Amex employee. The agreement language seems to read pretty clearly, but considering the massive volume of CFPB and XXXX complaints against Amex as well as my own interaction dealing with their complaint department, I'm seeking certainty. I'm attaching both the chat transcript and the pertinent agreement language. Can you assist me in having Amex confirm that they either will or won't pay for mediation, as they refuse to comment on their own card agreement? Thank you very kindly for any assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ

Complaint narrative:
AN FAIR PRACTICE ONMAIN FINANCIAL REPORTIN TO CREDIT BUREAUS XXXX, XXXX AND XXXX WHEN YOU OPEN ACOUNT HOW FAST WILL REPORT THE ACCOUNT AND WHEN YOU CLOSE ACCOUNT AFTER BEEN PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Selene Finance LP Payments are submitted timely, at least 5 business days before the 1st of the following month 's due date. Records are not adjusted accordingly, therefore, late payment fees are incurred. Endless hours are spent on the telephone and the mortgage service company does not correct the records. Increase ( s ) in the escrow fees are not mailed, so the payment amounts are not sent properly by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. XXXX, XXXX, US DEP ED. INQUIRIES : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the aII need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own. There are still items on my credit that are not mine. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. INQUIRIES : 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