vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
On Tuesday, XX/XX/2020 I logged onto the website of Lakeview Loan Servicing ( https : //lakeviewloanservicing.myloancare.com )  with the intention of finally paying off my mortgage. I filled out the required form, submitted it, and was met with the error : " Error Sending PayOffStatement Email ''. Immediately afterwards I called the customer service at XXXX. I waited for a while and was told that there was no representatives available, and the call was ended. I called again the following day, and again was not able to talk to a representative - this time I was sent through a loop of menu items that gave me no option of talking to a representative. I tried calling other numbers for Lakeview Loan Servicing listed online : none of them responded, and all of them had the voicemails full so I could leave no message. Finally, I tried to email them through " secure email portal '' and received no response. Because the email was sent through their portal and they did not send me a confirmation email after submitting my email through their portal, I have no record that it was sent. Since then I have continued trying to call Lakeview without any kind of response. Now it has been two months that I  have been trying to payoff my mortgage to no avail, and have had to pay my regular monthly payment WITH interest. This unresponsive customer service is unacceptable, especially for a company overseeing something so important as the mortgage for my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I was merely trying to link my account so that several creditors could be reported to the 3 reporting agencies. They report all negative but very few good credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
On XXXX XXXX Franklin Collection Services received a debt verification letter from me to verify the debt they are reporting and they could not provide it. I have never used services with XXXX XXXX XXXX and all they sent me is a bill from them saying I owe them {$79.00} According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. And I hereby demand to see a copy of the validated Proof ... They have til XX/XX/2020 to verify the debt or it should be removed from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are 2 names on my Trans Union credit report. 
One is correct, and the other is what appears to be a miss spelling of my name. 
Example. 
xxx xxxxxxxxx and xxx xxxxxxxx.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: HI

Complaint narrative:
Citizens One home loan company bought my loan from the XXXX XXXX XXXX  late last year. The servicing has not followed the legal documents for my mortgage which states that they are responsible for paying my property tax. They failed to do so last year and I accrued late penalties. I had to contact them and the XXXX XXXX XXXX to get them to pay it and the late penalties. 
This year they again failed to pay the property tax due in XXXX of this year and I have accrued overdue penalties. I called them last month on XX/XX/XXXX. Almost a month ago. They confirmed that they would pay the XXXX tax and send proof that they would cover the penalties cost as it was their fault. I called them and they claim they paid my property tax but refuse to pay the penalty saying it's my responsibility. 
The taxes are supposed to be paid via my escrow account which I have been paying on time every month. 
I am afraid that this is affecting my credit score and that I will get a tax lien on my property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is the 4th complaint or more on this issue however they ( Wells Fargo ) are not understanding the complaint. I am not complaining about a stop payment on the item that was paid in error, I'm complaining about the banker telling me that the item would not be paid but was and my account has been overdrawn since. This has been going on for 5 plus months. Now I'm at the point of going through XXXX XXXX, XXXX XXXX, lack of being able to conduct business with my checking account. An advisor in the civil court system in XXXX XXXX has advised me to file a civil law suit on the bank due to this approximately XXXX  item has caused in my life and livelihood. Unfortunately they have left me no choice. If this is not fixed in the next 10 days or at least a notice that it will be fixed in 10 days does not happen, I will file a civil law suit for much more money than 200.00, due to all this has caused in my life. This filing will be free to me due to COVID 19 and as per the court 's authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I contacted Synchrony Bank, which provides services for Paypal. I needed to make a payout of existing purchases and balances and only leave my recent purchase, which was on a monthly repayment schedule. I spoke to an agent and we figured out what was owed. I submitted a payment of {$1300.00}. The payout was never applied correctly and almost {$600.00} has mysteriously disappeared. I have called them several times and they repeatedly say that they will fix it. They have not. I am missing money and I refuse to make additional payments until this is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo reported me during Covid19 when I was having an economic hardship- they put me on a pandemic forgiveness program bet still reported me and closed my credit card- I had perfect payments before covid19 happened. They are not offering any assistance to help out those lost their job

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 2020-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have not been able to log on to my Navient account portal in over a year. The website simply says " Were sorry an error occurred. Please try again. '' I have called the company numerous times and they have tried changing my login information and resetting my account but nothing has worked. When I call the company says they will follow up with me after they discuss the problem with IT, but they never call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home American Mortgage Corp
State: NV

Complaint narrative:
Earlier in 2020, I was in a contract to purchase a new construction home in Nevada through XXXX XXXX XXXX using a VA loan. Due to the COVID-19 shutdown, I had to leave my place of employment and thus had to back out of the contract for the home. XXXX XXXX demanded something in writing from my employer stating that I had lost my job due to COVID, but I was unable to obtain that as the company and other employees including my manager were also in crisis, obviously. XXXX refused to return my {$3500.00} earnest money deposit because I could not provide anything to them in writing. With the craziness of everything going on this year, I don't feel that it was ethically or legally for them to withhold my deposit despite all of the chaos of the situation going on in the country at the time. Most recent correspondence with them was on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sold my loan 2 weeks after I applied for a loan modification. On XX/XX/20 I received a letter from wells fargo stating they were selling my loan to a new servicer. I was told on XX/XX/20 that nothing would change on my loan except for where my payment was serviced. They denied my loan modification and XXXX changed my due date and charges mortgage brokers in the amount of {$25.00} each time they check my balance. I tried to resolve my issue with XXXX but they refused. Attached is the letter I received from Wells Fargo and in paragraph # 2 states that the only thing that would change was where I sent my payments. I would like Wells Fargo to reimburse me for all of the {$25.00} fees assessed until the end date of the loan for acquiring the balance of my account. 
I called XX/XX/20 and spoke with XXXX ext XXXX and after speaking to a colleague he shared that Wells Fargo has no control over another supervisor and that they would not be assisting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is regarding the new XXXX credit card offered through Synchrony Bank. I have received numerous mailers regarding applying for this card and how it offers {$10.00} off/eligible line when used to pay your XXXX XXXX bill. So I applied and got accepted to take advantage of this perk. I applied on XX/XX/XXXX, was approved, and received the card on XX/XX/XXXX. I promptly added it to my account and had it set up for auto pay. The bill deducted on XXXX with no discounted amount when using the card. I contacted XXXX, and the customer service rep apologized for the confusion, but admitted that it actually false advertising. The card doesn't offer you a discount over what you would receive just by using auto pay like I already do. I was lead to believe that by getting the card I would be receiving an additional $ XXXX/off per line as told by a rep at a store and the mailers, as well as, app advertising. This is false advertising. I would never have signed up for another credit card when it lacks this basic benefit. XXXX XXXX should not be misleading customers, and the ads should advertise that this is not a discount if you have auto pay. They should also not be informing reps to mislead customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card. 

I disputed charges from a XXXX school, XXXX, after I had canceled my membership. I provided clear proof of the canceled membership, in the form of an email from XXXX general manager. Yet Chase upheld the disputed amount and withdrew funds from my bank account. 

Indeed, Chase withdrew MORE than XXXX charged. 

My statement shows Chase withdrawing payments as follows : Date Amount XXXX {$69.00} XXXX {$98.00} Total : {$160.00} Total charges by XXXX after my membership cancelation date of XX/XX/2020 XXXX {$69.00} XXXX {$29.00} Total : {$98.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc will not take money transfer apps like XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For SIX MONTHS, the Equifax Credit Freeze web sites has not worked. Their website is broken and one of the most dysfunctional website I've seen. 

This is especially apparent on the Credit Freeze page. And, apparently, no body in their IT department is monitoring your web sites because they didn't know they had a problem with the credit freeze page. It still doesn't work and it hasn't for SIX MONTHS. On my.equifax.com, click on Freeze and you get a page saying 'we  can't complete your request at this time '. Wouldn't removing a freeze be somewhat of a priority?? 

I had someone perpetrate fraud on me years ago and since then, I've been very careful with my credit. I currently have freezes on all of my credit reporting accounts. When trying to remove a freeze from my Equifax account, we are forced to call. The number took me to a customer service office outside of the US. The login system asked automated security questions and I had a hard time understanding the computer voice as I have hearing loss. Apparently, not understanding what the choices were ( even though I had an open credit file in front of me ), it failed me. The online  representative, an XXXX, refused to identify himself further ( but after a bit of haggling gave me XXXX ) was not helpful. He could not re-ask questions. He refused to assist me even though I identified an American 's with Disability issue on hearing problems. And, especially with COVID-19 problems causing all sorts of financial difficulty, he refused on both of those requests. 

Equifax is the WORST credit bureau out of the three. The other two 's websites worked great. The President, XXXX XXXX, ignored attempts to contact him directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020, I sent Equifax a letter disputing an account ( XXXX XXXX ) listed on my report with Equifax, I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter Equifax has not only violated federal law ( FCRA ), but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today, XX/XX/2020 at XXXX XXXX when I looked at my checking and savings accounts both said XXXX balance even though I have a very large sum in the bank. 
I immediately called the fraud department at Bank Of America who told me they were having a " problem with the app '' and assured me my money was safe. 
After 3.5 hours I called again to ask WHY the bank had not notified customers of the problem and I was told they are aware of it and were working to fix it. The bank representative said she would file a compliment with the bank. 
My concern is with all the problems going on today and branches closing, etc, this may be a larger problem than just the app. 
BofA needs to take immediate responsibility to notify all customers of the APP problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
Reported : XX/XX/XXXX Collection Agency SIMON 'S AGENCY , INC . 
Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX   INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SIMON 'S AGENCY , INC . 
Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$42.00} Amount {$42.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I have no knowledge of this bill I have health insurance that have paid these bills around that time I have proof of that. it just appeared on my Credit report now it showing that I owe this and its bringing my credit report down on my credit numbers I also get phone calls from this agency disguising numbers at all times of the day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
To whom it may concern : There were some charges on my debit card which I did not recognize. Tried calling the company but was unable to connect. 

Can I get or review debit card statements? 
Is there any fee or charges? 
What do I need to do to get statements? 

Thank you.

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 2020-08-05 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: CO

Complaint narrative:
I have submitted several complaints to Equifax. To date, no progress has been made but I received the attached letter dated XX/XX/2020 requesting additional information. I believe this is in reference to Equifax # XXXX. This letter asking for additional information advises to return the additional information to TWO addresses : XXXX XXXX XXXX and XXXX XXXX XXXX!!! What is the correct address to send information? Why is Equifax delaying a response to my original complaint and further confusing the issue? Equifax has an obligation to provide accurate information but clearly can't figure out its own address. Why is Equifax advising me to respond to two addresses?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had opened an account with 1st Franklin financial back in XXXX for a secured loan. I had fell behind on payments due to me losing my job. I put my car as an collateral and they took it and havent heard from them since until now saying I owe them XXXX and that they are taking legal action against me and are sending the cops to my home and my mothers home trying to sue me. And on my credit report it says the account was opened I XXXX of XXXX which is not true I have proof it was in 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 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
this is XX/XX/2020. It has been for sale since XX/XX/2020. Our house is on the Market for a short sale. It's listed at XXXX only with an equity loan. I have an agent and the lawyer involved in a short sale. 
They are great. They found a buyer that will pay XXXX plus XXXX for costs. 
This is the only buyer that we've had and they are very patient. They want the house. We have no one living there. We lost our tenanst and we don't have the money to fix it up to rent out again. We thought we were doing the right thing by going with a short sale but now we are behind XXXX in payments and it's making me worried. 

The bank denied the amount they want to give. We offered to help. They do not want it. 

It looks like a possible foreclosure. We didn't want to go that route. 

Any help will be appreciated.

Company response to consumer: Closed with explanation