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 — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I have a loan at " XXXX ''. My due is today ( XX/XX/2023 ). I was trying to make a payment but it did not go through but the app is not saying exactly if they withdraw the money or not. Just got a message " something went wrong ''. I did try several attempts and now wondering if they have a queue how many times they are going to process the same request and where the money will go. I got to know from forums that parent company XXXX XXXX XXXX was cyber attacked and a lot of information was leaked. There is no official statement from the lakeviewloanservicing but web services are still behaving strange accepting payment and all information to be entered including routing numbers, account numbers, etc. The main concern is what to do now. If my information is stolen, and company hides it. At any point of time all money from my account can be stolen and no-one cares.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Name & Account Number XXXX - XXXX XXXX XXXX - XXXX Name Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX XXXX, and transunion did not modify or remove anything.

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family.

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
RoundPoint Mortgage did an analysis on XX/XX/2023 and it shows that a {$0.00} dollar payment was made into my escrow analysis when there was a payment made each and every month. I then requested an updated analysis and recieved that on XX/XX/2023 and they did not provide a Table 2 analysis and that would have reflected the payment going in and used the same faulty previous table that did not reflect the payment. I spoke with a manager and she agreed that each month I have made payment but there isn't even an estimated payment that was made like the following month where they have indicated a estimated payment would be recieved. I requested an updated Table 2 from the supervisor and she stated that they will not do that because the previous one was currect. 
If you make a payment each month, then the analysis should reflect a payment each month. There should be no

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: EdFinancial Services
State: FL

Complaint narrative:
In Edfiancial, I have enrolled myself 4 times into the auto-pay to make sure my payment is made automatically. And I have received letters telling me no payment was ever made. 

I checked back in and saw that my bank is connected, but that there were errors and that it never was submitted. 

No warning is even sent to me letting me know, but I found out a month later making me pay twofold ( something I can't afford ) but struggling to do so.

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 A fraudulent criminal made several transactions one for {$2000.00} one for {$1900.00} and one for {$1900.00}. They also raised my daily limit to {$7000.00} without my permission. Wells Fargo texted a confirmation to me of which I denied stating it was fraudulent. I then spoke to a Wells Fargo representative, requesting that all transactions be denied. This was not done. The transactions were approved, and Wells Fargo has continued to deny my request for reimbursement of the funds. I have screenshots of text messages, denying these transactions. At the same time I also had fraudulent activity for several smaller charges totaling XXXX along with alerts from Wells Fargo and XXXX that my identity had been compromised. Wells Fargo has continued To deny my request for reimbursement and has failed to address any of my transaction disputes.

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: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
ED Financial Services reports a balance on two studient loans on my XXXX credit report. I made the dispute in XXXX of XXXX. 
Balance {$14000.00}, and {$11000.00}. These loans were acquired by servicer XXXX XX/XX/XXXX. I attempted to resolve this dispute with XXXX. They did not resolve it, and I called ED Financial, and they would not remove this balance. 
The loans, since being transferred to XXXX, are shown Paid in Full by Dept Of Ed under the PSLF program. 
They seem to think this is the responsibility of XXXX, but XXXX insists that they are ED Financial 's responsibility The amount previously owed to both was duplicated, which then showed my total student loans as over XXXX USD. 
I am attaching the letter that shows the loan was transferred to XXXX and that US Dept of ED shows I have a XXXX balance.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I was attempting to contact XXXX services for assistance on my phone. I called the customer service number provided via the internet. Unknown to me the number was not XXXX, it was a scam number. Thinking I was on the phone with XXXX i gave permission for " XXXX '' to access my phone to help me. In doing so I unknowingly gave scammers access to my bank accounts. They proceeded to send themselves XXXX $ from my bank account via Cashapp. Halfway through the call I realized that I was not on the phone with XXXX. At this point it was too late and they had already made the transaction. I immediately called my bank and Cashapp to stop this transaction. My bank responded saying I can not refute the charge until it processes. Cashapp put in a claim to start an investigation and said they would get back to me in up to XXXX business days. Today, XX/XX/XXXX, the charge processed with my bank so I called and refuted the charge. When I called Cashapp this morning they checked my account and said an email was sent with their decision. I never received any emails from them. I told them I received no emails and the representative responded by reading the conclusion. She said Cashapp denied my claim because the charge came from my account... yes the charge came from my account but NOT from me! It is an unauthorized charge and on top of that it is a hacker and a scam! I asked to refute this decision and was told I could not. I asked to speak to someone else, I was told I could not. I asked to speak to a supervisor, I was told there wasn't one. I asked for an email address to contact to refute this decision, I was told that there isn't one. There is NO WAY to get my money back. I am obviously VERY distressed that this is allowed. I was clearly hacked as the account the money was sent to is not an affiliate on my account. There are ZERO connections between my account and this person. I am floored at the absolute lack of assistance customers of the Cashapp platform are given. And how easy it is for hackers and scammers to get away with robbing Cashapp customers. There is no protection!

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 — Deposits and withdrawals
Company: TransferWise Ltd
State: NY

Complaint narrative:
Dear Wise Team, We have a few things to discuss with you. 
Firstly, our account was unexpectedly locked without any notification via email from XXXX XXXX. Furthermore, during that time, We were informed that a sum of XXXX with ID number XXXX was transferred to the account. Because it was disabled, we could not check and had no evidence to prove that the money had gone into my account. However, On the sender 's side, they have invoices and documents proving that the money had entered our account. ( I will enclose for your reference ) Therefore, we would like you to urgently send our bank statement from XX/XX/XXXX to now. We have waited too long and have suffered a huge loss because of this, so we would like to make an appointment directly at your office in XXXX. Please urgently provide information such as phone number and address so that we can completely resolve this issue. 
Were looking forward to hearing from you soon. 
Best wishes,

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your XXXX credit reports. Account names and account numbers and file Your complaint with the CFPB

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXXXXXX  I was charged {$3500.00} by XXXX XXXX XXXX XXXX CA. Services were never rendered and I requested a full refund. 

On XX/XX/ I was charged {$2500.00} by XXXX XXXX XXXX XXXX CA. Services were never rendered and I requested a full refund.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received a call today from someone stating they worked for Portfolio Recovery and were calling about an alleged debt with XXXX XXXX. I currently have two credit card accounts with XXXX XXXX that have a perfect payment history and a former car loan that also had a perfect payment history. I do not know if the person was an imposter or real, but either way, I do not acknowledge the alleged debt as legitimate ; I wish for Portfolio Recovery to cease and desist all collection attempts, and I will sue if there are any negative items that appear on my credit report from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: IL

Complaint narrative:
Mortgage company is not answering phones. Problem making payments. Website unavailable. I am hearing that the site was hacked. But no formal statement from the 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 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: NJ

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your XXXX credit reports. Account names and account numbers and file Your complaint with the CFPB

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 — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a {$20.00} XXXX payment from someone I don't know, XXXX payment from XXXX XXXX XXXX XXXX XXXX {$20.00} I called Chase to let them know I don't know who this person is because I was concerned it could be a scam or tester transaction, and the phone rep foolishly advised me to try and send the money back to this unknown recipient. ( This is really bad, clearly there is no training on this at Chase ). 
I would think this should be a Reg E situation - but I know the big banks are trying to skirt their Reg E responsibilities through XXXX. 
I suppose it is on this XXXX guy to file a reg E claim with his bank, but the bottom line, I have {$20.00} in my account that isn't mine and Chase 's poor advice is to " try and send it back if he contacts me. '' I'm not doing the bank 's job for them.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief