vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN

Complaint narrative:
The Lakeview XXXX site has been down for like a week because of cyber attacks, and hacks. They have left customers in the dark about all this. Today they withdrew the incorrect amount from my bank account and I can not get ahold of anybody at lakeview. The amount doesn't show up in my account on their website, so I have no way of verifying it being legit or not. They changed the website, and accounts so my account stopped working and I had to reset my password. Most of the features on their website relating to accounts isn't working. This has has been a horrible experience. They bought my mortgage about XXXX  months ago and has been a source of constant problems since. My loan payment says it's due today, and I can't pay or get this corrected either.

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 2023-12-01 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: MOHELA
State: FL

Complaint narrative:
I applied for the SAVE plan in XXXX of XXXX. MOHELA did not approve the application until the XX/XX/XXXX payment. Their delay in processing cost me hundreds of dollars in interest that would not have accrued had they approved my SAVE plan application in a timely manner. They are unwilling to reimburse the interest accrued during their processing delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Have been trying to make payment with Lakeview Loan for 3 days. Web systems are not functioning properly. Phones are not answered in any department. Concerned about receiving a negative credit mark as a result of non payment. 

Did receive an email on XXXX stating systems were back up. This has proven to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a XXXX XXXX online savings account on XX/XX/23 because the interest rate was 5.10 %. I linked XXXX external accounts to make deposits. I opened the account with $ XXXX and another transfer of $ XXXX on XX/XX/23. 
The problem began on XX/XX/23, I received an email that my account is restricted and frozen. Followed by XXXX more emails regarding returned items due to fraud detection, which I did not do. Something happened and someone tried to transfer $ XXXX out of my account XXXX times. I could not access my account online because it was locked and there are no branches. I called the Customer Service line XXXX and was directed to call the Fraud Department XXXX. The Fraud Department does not pick up the phone. I left XXXX voicemail messages. I call the XXXX line everyday, multiple times and at different times of the day. No answer and continues to say the voicemail box is full and not accepting new messages. I also call the Customer Service line everyday and every representative said that they can not help me. The representatives also call the XXXX line and receive the same outcome : no answer and voicemail box is full. They have put in XXXX work order tickets and XXXX complaint ticket. It has been XXXX weeks, it is XX/XX/23 and I have not received any further emails, no letters in the mail, and XXXX correspondence from the Fraud Department. Customer service say they can not do anything. I continue to not have access to my money and no way of regaining access to my account. Please, please, please help!

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
To Whom This May Concern : I appreciate Dovenmulhe Mortgage fixing my credit. After months of hardship that you all caused. This situation is completely unacceptable and the strain and stress you all have put me through mentally and financially is actually INSANE. From XXXX to XXXX the financial strain yall put me through is absolutely wrong. Nearly 5 months without any form of assistance that I was told would only take 30 days. I literally was spread so thin I had to run up my credit cards to try to find a way to make payments, let go of other bills, and sometimes didnt even know where my next meal was coming from because of the financial strain y'all put me through for a process that was so long ( and was supposed to take only 30 days ) that I HAD TO FOLLOW UP ON. absolutely no one followed up or through with me ( OR TOLD ME THE TRUTH ) which says a lot about yalls company. The stress y'all put me through made me PHYSCIALLY and mentally sick. The mind games y'all play is sick and the fact that I had to go to the CFPB or XXXX to make it right after begging y'all to make it right is unacceptable. Then come XXXX I was looking at other options to use my credit ( CAR and was thinking about moving to an apartment ) and y'all shot my credit SO bad I literally could not use my credit for necessities and things I needed to take a loan out for and y'all severely impeded on that. Making it right on my credit is merely not enough because it should have never been a problem to begin with. Y'all put me through so much from even the start of my application and to the credit issues, and i feel I need to be compensated fairly for the stress and mental/financial suffering that y'all put me through for the months of XXXX through XXXX as again I was following up and begging you guys to make it right and you just didn't ... additionally i am not the only one who has been in this exact situation and you all completely dismissed them until it was escalated here or to the XXXX I am asking y'all to do the right thing and compensate me for the hardship you all put me through OVER the unemployment hardship I was experiencing and the strain on my credit that literally impacted descisions of other creditors. Again some form of compensation will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express recently announced midyear changes to the benefits provided through its Hilton Honors Surpass American Express card- namely, that the Priority XXXX XXXX XXXX XXXX will be going away, midyear. I found this particularly frustrating, given that I've already paid for the benefit for the account year through paying for the {$95.00} cardmember fee. I wrote to American Express to express my frustration and got a form letter back in the mail asking me to call a toll-free number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of my personal information was inaccurate especially the address. I also found an inquiry that I don't recall giving permission. The following needs to be investigated and be corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute of Account - Possible Fraudulent Activity Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the existence of an account associated with Portfolio Recovery Associates XXXX which is listed on my credit report. The specific details of the account in question are as follows : Creditor Name : Portfolio Recovery Associates Account Number : XXXX Date of Account Opening : XX/XX/ After a meticulous review of my credit report, I want to bring to your attention that I have no knowledge of this account, and I dispute its legitimacy. I have not opened, authorized, or engaged in any transactions with Portfolio Recovery Associates. 

The information reported, including the original balance, past due amount, and the status of the account, does not align with my financial activities or history. Given these discrepancies, I am deeply concerned that this account may be the result of fraudulent activity or identity theft. 

I am formally asserting that this account is not mine, and I firmly believe it to be a case of fraud. In light of this, I am requesting an immediate and thorough investigation into the origin of this account. I kindly ask for your cooperation in rectifying this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to dispute a charge of {$85.00} ; I ordered XXXX items of cloth In XXXX XXXX on XX/XX/2023, I received storage bags instead of my items that I ordered on XX/XX/2023 at XXXX. 

On XX/XX/2023 at XXXX, I requested a refund, providing the photos of the shipping label and pictures of each item they sent me instead of the XXXX items I ordered. Later on it was denied. I tried again on XX/XX/2023 at XXXX, it was denied as well. 

On XX/XX/XXXX at XXXX afternoon, I called XXXX XXXX XXXX to report that problem. 
On XX/XX/2023 I received a provisional credit Claim-Ref # XXXX for that amount {$85.00} On XX/XX/2023 I received a letter informing me that they closed the case because they did not received the information from me that they requested. I never received any letter requesting any information. 
On XX/XX/2023 XXXX Bank deducted the provisional credit Ref # XXXX On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX I called XXXXXXXX XXXX to Dispute Dept. to re-open the case and a supervisor said I need to send all the proof by email at XXXX ; I sent the email twice on Friday XX/XX/2023 at XXXX and XXXX XXXX On Friday XX/XX/XXXX at XXXX I called again to XXXX XXXX XXXX XXXXXXXX XXXX. to let them know I sent the email with details and pictures attached the representative told me they need XXXX hours to review my case and they will contact me on Tuesday XXXX XXXX they never contacted me. 
Today Friday XX/XX/XXXX. at XXXXXXXX XXXX I called XXXX XXXX Claim again because I had not received any call or email from them about my claim. XXXX XXXX and XXXX XXXX XXXX are not solving this case properly as both companies should. 
. 
I will return the wrong items, 'the storage bags ' as soon as I receive the label and I want my money back. 

Sincerely,

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name XXXX XXXX  Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was trying to sell something and I got an email from the person that looked like it was from XXXX then the person proceeded to scam me. The person took {$500.00} dollars and even though I called the bank not long after it happened the bank refused to refund me the money because " I authorized the payment '' when I literally got robbed {$500.00} dollars, they said it wasn't an error when I lost {$500.00} dollars. I am making this because I would like to know if there is any chance I could finally get a refund. I called the bank many times and even asked for a chargeback and asked to dispute the charge and the bank denied what I asked for.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have " ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) '' also shown on my ID for proof There should only be one address listed on my report. I've enclosed documentation providing proof of current address to make deletion easier. Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled " ( XXXX XXXX ) '' my name only has one correct spelling My photo ID is enclosed to show the correct spelling. 

Name XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY 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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have " ( XXXX XXXX XXXX XXXX XXXX, N.Y XXXX ) '' also shown on my ID for proof There should only be one address listed on my report. I've enclosed documentation providing proof of current address to make deletion easier. Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled " ( XXXX XXXX ) '' my name only has one correct spelling My photo ID is enclosed to show the correct spelling. 

Name XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY 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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/XXXX I submitted a letter to nexis lexis ( cerified ) asking them to remove this XXXX from my credit file due to inaccurate reporting.Receipt of letter XX/XX/XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian violated my rights under the XXXX XXXX XXXX by reporting negative transactions in my consumer report.At no time has he shown me any type of document that supports those negative transactions that are seriously affecting me. This is not the XXXX time I have to tried to resolve the matter. ( XXXX XXXX XXXX XXXX XXXX ) report number XXXX XX/XX/23 report number XXXX XX/XX/23 report number XXXX XX/XX/23

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