vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Effective XX/XX/2019 my loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. When I received no documentation from XXXX XXXX XXXX I was provided their information via XXXX XXXX XXXX. 

I called to inquire how to make my first payment and I was directed to the website where I registered and successfully made my payment on XX/XX/19. I attempted to make my payment today XX/XX/19 and their website reflects my account as past due.

They have the payment due as XX/XX/19 and as such flagged it as past due. Because of the account disposition I am unable to do an auto draft and when I try to make the payment online they are trying to charge me a {$10.00} payment fee. I called customer service, which was closed. The automated system allowed the option to pay for a {$12.00} fee. 

My account is not past due as they have reflected as of today 's date ( XX/XX/19 )  under the terms of my mortgage " If your payment is more than 15 days late, your lender will charge a late fee of 5 % of the overdue monthly principal and interest payment. '' I have yet to receive any documents, statements, nothing from this lender. I believe it is a deceptive practice to lock an account as past due in order to charge a processing fee. Florida statute is clear about the " late fee '', but this lender is intentionally bypassing that by prematurely locking down the account as past due in order to charge a " processing fee '' - this is deceptive and fraudulent.

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 2019-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I always order something online and I forgot to protect my money and finally my bank sends me a new debt card

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 2019-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
While back I had XXXX XXXX but my husband lost his job so I had to take care of the bills. I got harassed over and over again after the debt was sold to Midland Funding LLC.When they called the caller ID said Unknown.So I didn't answer.So now as of XX/XX/2019 I got serve with a lawsuit against me by them .For unpay debt The process server said just pay it and I said I will give them a called.I called them I said I would like a payment arrangement Midland Quoted we cant help you it's to late for that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I was charged {$4.00} for the last 3 months for a service fee totalling {$12.00}. 
A letter from TCF bank stated that as of XX/XX/2019 a {$10.00} fee will be charged for accounts with no activity for 365 days or less than {$250.00} in the account. I opened an account on XXXX {$50.00}. Ther has been no activity since, now the account is {$12.00} short. Their terms and conditions state they may charge a fee but never notified me of a fee process except for the letter mentioned above which is not binding until XXXXThier 10 page fee schedule does not state any exact maintenance fee schedule. I believe this is an inproper business practice using a 36 page T & C booklet and a 10 page fee booklet without specifically showing a fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-13 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: DISCOVER BANK
State: AR

Complaint narrative:
incorrect information on report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX Hospital has paid 60 % of the bill and the amount on the credit report is wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
incorrect information, shows account as revolving, it is not.

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 2019-10-13 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony bank is overcharging me with a higher amount that was originally 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 2019-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I purchased a new car through XXXX XXXX in XXXX, NY. My loan was through Nissan Motor Acceptance Corporation. It was a disaster from the beginning. I went to make my first payment, and they had absolute no record of me, my car, or my account. So days were passing and I was so nervous I would be late for my first payment. I called at least ten times to the dealership to find out what was going on. Nobody k ew a y thing, and they explained the man who sold me the car wouldn't be back for three weeks. I had no choice but to wait, because I had no account with NMAC. So finally XXXX gets back, get talks with the manager, and they discovered the finance manager never submitted my paperwork. Now it's two months in at this point. So I was furious! They were extremely apologetic and said this is a one in a million chance of this happening. Now mind you, if k hadn't said anything, I could have had a free car! But I do the right thing. So that was straightened out and my account was created. I advised them that they better not charge me late fee. So fast forward to a month later I was on my lunch break at work. I ran to the gym, O my way back I got pulled over for not signaling. It was brought to my attention that my license was suspended from a ticket years ago. Now mind you, if I was suspended how did I get Insurance at the dealership through XXXX in my name?!?! So the police said they had to impound the car. They gave me a card with a handwritten shop that my car was being towed to. No such shop exists! For two weeks, at {$150.00} a day, I spent trying to find my car. Finally I called the dealer, explained what happened. They told me they would just buy the car back, and I would owe them {$1000.00} and they would resell it. They said it would not go on my credit, because of all the confusion I had with them, they would do the is for me. I was grateful and went on with my life. Well here we are, with this one my credit as a charge off! I called NMAC and they said they never picked the car up, in fact it was sold at an auction for {$9000.00} and I was responsible for XXXX XXXX.i explained the deal we had, and she said to call them. Well I've been calling for weeks, no returned calls, nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
FCO claims I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX   XXXX and was told they no longer own the property and XXXX does. I called the company and was told that it was a application that I was supposedly did online which I did not. They are also shocked it went to collections and that they no longer seeking money even if I did it! So the only people collecting the money is the collection agency when I never applied I can show verification where I was living. So this account is not mine and sorry they are collecting or trying to collect money from a debt that isnt mine

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 2019-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I AM PAYING OFF LOAN # XXXX WITH MONEYLION.COM COMPANY AND UNTIL XX/XX/2019 MY LOANS WERE BEING PROCESSED WITH MY BANKING ACCOUNT ENDING IN XXXX. SINCE THEN, ALL AUTOMATIC PAYMENTS HAVE STOPPED!!! I DONT KNOW WHAT TO DO!!! I HAVE LOGGED IN TO VERIFY THAT ALL INFORMATION IS THERE TO PROCESS PAYMENTS AND I AM AT A DEAD END! I HAVE EMAILED, CALLED ... NOTHING! I CAN NOT GET IN TOUCH WITH ANYONE TO RESOLVE THIS. THE SYSTEM PROMPTS THAT IF I WANT TO RESUBMIT PAYMENTS, PLEASE PRESS A BUTTON BUT NOTHING HAPPENS! I HAVE READ ABOUT THIS HAPPENING TO OTHER CUSTOMERA AND KNEW IT WAS ONLY A MATTER OF TIME BEFORE YOU REPORTED ME AS LATE TO THE CREDIT BUREAU BUT I DON'T KNOW HOW TO MOVE THIS ALONG!!! I HAVE WORKED SO HARD TO REPAIR MY CREDIT AND THEY ARE RUINING IT! 

PLEASE HELP!!! 

THIS IS BEING STATED ON THE XXXX WEBSITE ABOUT MONEYLION : XXXX   files indicate a Pattern of Complaints concerning fulfillment of transactions and customer relations for MoneyLion, Inc. XXXX has noted a significant spike in consumer complaints filed since XX/XX/2019, and consumers are telling XXXX about the issues they are experiencing with their accounts and the company 's customer service department . A number of consumers reportedly have had their requests for transfer of funds on hold for significant length of time and well beyond MoneyLions usual 5-10 business day window. Some consumers claim the electronic funds transfer ( EFT ) set up for their loan payments have been stopped, leaving them unsure of the status and unable to determine if payment is on record. Many consumers allegedly attempt to contact the company to resolve their problems but say they experience extensive hold times, often not being able to reach a live customer service representative. Others claim the only response they receive to their inquiries or requests for help are auto-generated emails from the company. 

As of XX/XX/2019, XXXX has contacted MoneyLion, Inc. and requested its voluntary cooperation in resolving the underlying issues of the identified Pattern of Complaint. XXXX is awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: VA

Complaint narrative:
I have 3 accounts on my file that is a result of identity theft! This has been an on going issue with the credit bureaus regarding XXXX XXXX specifically!! The identity thief was convicted! I have sent 3 police reports within the last 2 years and this issue is still not resolved! The company continues to use the original application which was filled out and signed by the identity thief as reason to keep the items on my credit file! As a result of this I have suffered tremendously! Equifax refuses to comply with the FCRA and is using a fraudulent forged application as reason to not removed the fraud account! The other 2 accounts are collection accounts that was recently placed on my credit file on XX/XX/2019 these accounts were removed last year and RESOLD to a different collection agency, and put back on my credit file! Im filing this complaint because I want this issues resolved! I want it on record that I did everything in my power to resolve this matter before suing Equifax for damages! Please note that these accounts are ONLY on my Equifax credit file as the other 2 credit bureaus have investigated and removed these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a Citibank account in XXXX fave Citi account number and copy of deposited check with my account number. Citi keeps saying they cant find ut. I have been asking for statements since closed years ago.

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 2019-10-13 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HOME BANCSHARES, INC.
State: AR

Complaint narrative:
I'm in Dept to the courts and child support and it's gotten so bad I can not even afford to turn the electric on at my house or uptain auto insurance to commute back and forth to work. And I'm barely hanging on by a thread if it wasn't for my neighbors and my brother XXXX I'd probably be starving to death I even owe centennial bank {$1400.00} XXXX XXXX {$260.00} and my old boss at XXXX XXXX {$420.00} for helping me get my license reinstated and my tax guy XXXX XXXX at XXXX XXXX XXXX XXXX almost {$1100.00} I could really use some kind of assistance with all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This year when I applied for credit I was told that my credit score was lower, but only with Transunion and the other two XXXX or XXXX, and I tried to get my updated credit report nd score from them, but still cant get it even through the annual credit report? The bottom line the score they have is false and they need to correct it, so I want to file a complaint and wonder they somehow have it lower than others?

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 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: WA

Complaint narrative:
I had paid XXXX {$970.00} then another {$540.00}, and within a Month claimed I owed them {$1100.00} plus ... every time I would call or stop by XXXX store, they would tell me they can't take care of this problem here, you need to contact Corporate!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax lowered my credit score due to the fact I paid off over {$21000.00} in student loans. When I paid off closed credit cards my score went up. When I paid off vehicles my score went up dramatically. When I paid off my student loans my score fell. I was told by a representative my score would not have been decreased if I had not paid off the loans ; a statement that was refuted by her supervisor ( I have a recording of the conversation ). There was no new negative reporting from my last billing cycle. The only major change was the elimination of student loan debt. I was told closing my student loan accounts was treated as a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Respected sir My credit card and ID were used to purchase a play station without my approval. TD bank ruined my credit by jacking up the price to XXXX $ which was never the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
On XX/XX/XXXX, I was informed by my bank, there was a lien placed on my house by Rausch,  Sturm, Israel, Enerson & Hornikllc. When I contacted them, I asked why this lien was placed on my house. They stated, it was a debit from capital one. I told them this was not my debit. The birthdate they had was not my birthdate. I disputed this twice and I never received a response. I was trying to get a equity loan but I could not do it because of this lien. My bank told me I could put this debit on my equity loan all I needed was a statement from them. They could not provide me that information. They stated they could, I waited a week and they still could not provide me this information. I decided to pay the debit and they still have not taken my house off of the lien. I paid them on XX/XX/XXXX th and I have been asking for a release of lien letter and I have been getting different answers of why they have not sent me this information. I went to my county court house on XX/XX/XXXX and they stated they have not received any paperwork that I paid this. I showed them my receipt and they stated they did not know why I haven't received the release of lien letter. I called rausch and I was told that they sent me and my county court a letter on XX/XX/XXXX stating the debit was paid and they could not email me the letter. I have not received any letter. This company has been telling me that they were going to send me this letter for XXXX weeks and now they told me they can not. This is a horrible law firm. They bought this fraudulent debit and put my house on lien without my knowledge. How much longer do I have to wait for a letter on a debit I paid that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: PA

Complaint narrative:
Have never received anything about debt owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One has once again inaccurately reported my credit balance incorrectly after I submitted a dispute to Capital one to fix this error. I submitted a dispute on XX/XX/XXXX after speaking with a Capital One Rep., who told me about this process, hoping it would be corrected so my credit score would not suffer. The underline issue is that Capital One is still not reporting my balance of XXXX which is the balance on my XXXX statement which was supposed to be reported on the XX/XX/XXXX but instead my balance of {$1000.00} was reported prematurely to XXXX and XXXX by Capital One on XX/XX/19 which made my credit utilization 59 % when instead it should have been 28 %. My billing cycle was not closed while Capital One reported my balance of {$1000.00} prematurely. I am sending supporting documentation that includes the amount on my billing statement which should have been reported on the XXXX of XXXX. After sending Capital One dispute department a detailed letter describing this issue in attempt to fix the problem ; Capital One responding by reporting XXXX on XXXX, instead of XXXX. I am at my wits end with Capital One after three years. After calling Customer service numerous times, no one knows what is going on, I keep getting the run around and I can not not reach anyone directly at Capital One who would address this concern. 
I will also provide my dispute letter that was sent to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I paid for car insurance for 6 months in advanced. After 6 months I switched to a different insurance company. The previous insurance company charged me XXXX $ for additional insurance which i think is unfair because I paid them 6 months premium in advance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation