vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
this has been doing on for the last 3 years. 
My loan has been moved around. LakeView and XXXX XXXX. 
I paid over the amount to reinstate my home back in XXXX 2017. At that time- the extra money was to be applied to current and future payments. Instead, the payments got applied to fees that dont have any explanation to them. Over over $ 4k dollars. 
There was a payment on my account around {$1600.00} that has never been applied, My ex wife is still on my loan- and I have been told several times this would be resolved and taken care of- and still has not. 
I filed bankruptcy to save my house. Money was applied and yet never shows up. I was told there is yet another sell date of the XXXX of XXXX. 

Also- on some documents it is showing that my interest on my loan is in the 5 % range. Not sure when this happened. As well as two different amounts for the payment. One from XXXX XXXX and another from Lake View. Not sure which one is which and why there are two.

Myself as well as my attorney have tried to get the pay off amount and never were able to get that amount. Also when we filed bankruptcy the loans continued to serve me with sale date notices.

At this point I don't even know where to turn or to get answers. When the trustee and attorney aren't able to get clear information- I am in need of your 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 2019-10-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The gift card has never been used and had a value of {$50.00}. I tried to use the card and it was rejected. I contacted the bank on three separate occasions. After the first call the balance on the card went from {$0.00} to {$8.00}. No determination or further adjustment was made after the two subsequent calls. The changes in the balance were due to non use fees. It is my understanding that these fees are not permitted under California law. The expiration date on the card is XX/XX/23. The card number is XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Submitted dispute with the three credit reporting agencies back in XX/XX/2019. After more than 30 days later ; after standard verification process, the 3 reporting agencies DELETED incorrectly reported files from their reports. HOWEVER, after receiving notice the verification has been completed and the negative reports had been DELETED from my credit file, now FIVE MONTHS later, EXPERIAN has RE-ENTERED the previously DELETED, incorrect, inaccurate, mis-reported files back onto 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 explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I transferred {$2000.00} and {$1800.00} through XXXX Pay to XXXX XXXX for rent and depo at XXXX XXXX XXXX, XXXX CA XXXX. He is not the landlord/owner of the property. I never took possession and requested XXXX 4x get my money back and they refused. Executive complaint # XXXX. XXXX pay refused also to file a complaint. The Police Dept helped me fill out a report but the banks will not return my money. {$3800.00} is 1 1/2 times my monthly salary. I could not meet him in person prior to the transaction as I was moving from XXXX to XXXX. I would like to get my money returned to my account. 

My XXXX acct is XXXX XXXX branch address XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX information is XXXX XXXX branch address XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was monitoring my account when i found this company name in my history I called this company to claim that I never tried to open an account with them. They informed that they can not give much info because account was not approved. I enter to a credit page to do a dispute I also did a thief report. The results came back saying that this account was accurate. Im in process On going to SS office to report that my SS card has been lost for a while. And talk about this issue This is the day somebody use my info SYNCHRONY BANK Inquiry Date : XX/XX/2019

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 2019-10-25 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: PR

Complaint narrative:
I am victim of identity theft and fraudulent information had been reported by XXXX XXXX and XXXX XXXX XXXX XXXX for the amount of {$1600.00}. This negligent action has severely damage my credit score. ( My credit score was 820+ before this incident ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I faxed over my neccessary information to sagestream LLC as the representative advised me to do, to put a security freeze on my credit file. I was told once I fax over the documents to the secured fax number they will immediately put the security freeze on my credit file and mail the password to remove the security freeze and I have not received anything in the mail. I am starting to feel highly uncomfortable with sagestream LLC due to the fact that I am a victim of identity theft and I have called and left multiple messages and they refuse to return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
LAST CHANCE TO DO THE RIGHT THING AND HAVE XXXX AND XXXX   VACATE BOTH JUDGEMENTS. ALL DEBTS HAVE BEEN DISCHARGED VIA CHATER 7 BANKRUPTCY. CASE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I hae a Citicard, Costco Anywhere card. I have tried on several occasions over the past month to get a replacement statement for XX/XX/XXXX. On each of three occassions they promised to send another one. We never received.it. It became such a problem that a supervisor gave us a XXXX dollar credit on XX/XX/XXXX. As of today we still do not have a statement. They continue to lie about sending one. It seems unfair that they can send tons of promotional material but will not email me a copy. I spoke with them again on XX/XX/XXXX and was told if I setup an online account I could see one there. Exposing my personal information to the internet is not fair either. But I need the statment so I complied. I requested it on Saturday and on Wednesday XX/XX/XXXX it was listed there but i could not open it. I called in again spent over 40 minutes on the phone and demanded it. Once again they said they can not email it they never mailed it and would not credit my account again. Why are they allowed to lie on the phone. Why are they allowed to send unwanted emails but will not send my statement. They couldn't even fax the statement. I was faxed a list of charges but on cover letter they said they can not fax a statement. The fourth lie by a supervisor. What else are they hiding and over charging 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 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
On XX/XX/2019, XXXX XXXX wire transferred funds to PHH Mortgage in direct response to a written pay-off request. Although PHH admits the funds were received as requested, they refused to apply the funds to that portion of PHH that handles current collections. It has now been almost two months since they took our money and they refuse to tell me how or when the problem will be fixed. This has caused us to lose over {$1100.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, AND CHASE BANK AND ALL COLLECTORS FAILED TO DELETE ALL THEIR ACCOUNTS FROM XXXX! BK NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION
State: OH

Complaint narrative:
Multiple accounts were opened with BB & T Bank on or around XX/XX/XXXX. When I checked my credit score at some point in XXXX I disputed the accounts, among multiple other accounts with different banks, as they were a result of identity theft. I contacted all three credit reporting agencies. I am currently unaware of my credit reports other than with XXXX, but I intend to get the other reports soon to make sure they are accurate. 

I contacted the banks involved to notify them of the fraudulent accounts. XXXX has since removed all fraudulent accounts from my past open and closed accounts on my credit report. BB & T is still reporting derogatory remarks and will not accept my dispute for one of the accounts (  {$4400.00} ) .The other account ( {$500.00} as of XX/XX/XXXX ) has been recognized as identity theft, as it is not on my XXXX credit report anymore. They have denied my identity theft claim for the existing account at least 3 times. 

I submitted an identity theft affidavit to BB & T on XX/XX/XXXX. The first time they denied my claim, they requested proof of residency from XXXX on XX/XX/XXXX. I provided that on XX/XX/XXXX via email. After waiting for a response and checking to see if it was removed from my credit report, I called and they told me that they had never received it, I sent it again on XX/XX/XXXX. Once I sent it again and waited for a response, they told me that the identification card that I sent them needed to reflect my current address. I sent them an updated copy of my ID within a few days of going to the BMV to get a new one on XX/XX/XXXX. I called on XX/XX/XXXX to see what the status of my case was and they informed me over the phone that the signature they had on their documents matches the one they can see on my ID I'm assuming. 

I feel as if they find a new reason to deny my claim every time and they are illegitimate, as I have provided everything they have asked for. I also submitted a complaint to the company on XX/XX/XXXX for the terrible time I have had dealing with them and their staff. The person working on my case was out on medical leave for months and my information sat on her desk, while I received derogatory credit reporting. I was informed that I would receive a response for my complaint in 15 business days. I have never heard anything back. 

I also received a debt collection notice ( XXXX XXXX XXXX ) on XX/XX/XXXX with regard to an account with BB & T for XXXX. I believe the identity theft could be a result of a data breach with a local government on XX/XX/XXXX. I have also had a tax return filed in my name ( eventually received my return ) and had a phone bill opened up in my name that went to collections ( since resolved with XXXX ). I have filed two police reports on this matter.

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 2019-10-25 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: Keynote Consulting, Inc.
State: IL

Complaint narrative:
Hi. Keynote Consulting has a {$440.00} collection on my credit report, and they continue to report this a new late payment every single month. This was from a XXXX bill that I refused to pay because the XXXX   charged, and collected, money from my insurance company for XXXX he had to place after he inadvertently XXXX my XXXX! Further, the original " debt '' was incurred on XX/XX/XXXX, so it should actually fall off my credit report on XX/XX/XXXX. Except, they have the original debt as being XX/XX/XXXX. I presume this is the date the collection agency purchased the debt, however it is supposed to be reported using the the date that the original debt was incurred. I contacted the company back in writing, back in XX/XX/XXXX, regarding the incorrect information and they never responded.

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 2019-10-25 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: KS

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
It has been almost 2 years since i have tried to open my account with Navy Federal Credit Union. It wasXX/XX/2017 when i went to NAVY with my dad to open an account.. they told me that the account was open but I couldnt access it and that i have to contact someone to be able to access it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: C/C Financial
State: IN

Complaint narrative:
On XX/XX/2019, I did contact Merchant Preferred to terminate this agreement without penalty and was contacted and property picked up by their recovery team on XX/XX/2019. 

Thereafter, On XX/XX/2019. Merchant Preferred then report to the credit bureau that I was 60 days behind in payments. Merchant Preferred reported that I owe them {$3300.00} and past due {$620.00} from the original purchase price being {$740.00}. 

Merchant Preferred terminated this agreement at my request on XX/XX/XXXX. 2019 without any penalty and I no longer have possession of the merchandise as it was recovered XX/XX/2019 by representatives of the recovery team on behalf of Merchant Preferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BC SERVICES, INC.
State: KS

Complaint narrative:
My XXXX account notified me of a collection put against me by BC SERVICES INC for {$300.00} for XXXX XXXX XXXX XXXX. 
I was never given a bill from XXXX XXXX XXXX nor did my insurance show anything that I owed. I also had given an HSA card at the time of service. 
Had I known of the bill, I would have paid it - instead, they destroyed my credit score.

I paid the collection agency, but I still don't know what the bill is for, nor why it wasn't covered by my HSA or insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Our home in XXXX XXXX California was destroyed by fire on XX/XX/XXXX. Since that time we have worked extensively with the insurance company and Flagstar Bank. 

Now the home repair construction is complete and the inspection results by the bank exceed 95 % completion. According to the bank 's procedures they must release all the funds so we can pay the builder and gain occupancy. 

We sent the final payment from the insurance company to Flagstar on  XX/XX/2019 by over nightmail with a return overnight mail envelope as specified on their website. They cashed the checks ( 1 for {$23000.00} and another for {$5000.00} ) on XX/XX/2019. Despite seven phone calls since XX/XX/2019 and receiving promises they would send the funds in the next couple of day at the end of every phone call, the money has not been sent as of XX/XX/XXXX. Just today we received a promise the funds would be sent on Monday XX/XX/XXXX. 

We have made commitments to propective renters to make the house available but we can not go forward until the builder is paid. Would you please see if there is any way that you can convince Flagstar to move forward with disbursement of these funds?

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
It is wrong for Wells Fargo to be able to submit incomplete or reports to this agency that does not tell the entire truth. An employee of Wells Fargo, XXXX XXXX wrote a report to me and this agency without doing the proper research. By this, I mean, she failed to listen to the all the phone calls. Why? Why would she be allowed to write an incomplete report and know that she did not listen to all the calls? Why would the company allow her to? The company finally admitted after several months that they made a mistake- this differs a lot from XXXX XXXX first report. Why? Why should this company be allowed to XXXX up - finally admitted to their mistake after I had to push and push for the right final result? Why should employee just be re trained or recoached? These mistake are honesty and integrity - things that can not be coached. The company for months denied by claims in my report but finally were forced to tell the truth and for that I get a XXXX XXXX XXXXXXXX for this. The companies response is yes we XXXX up but so what. This agency or any other federal agency will not really do any thing with us so the customer is XXXX again. The company should compensate me or offer me so token to make up for this mistake. If I make a mistake, Wells Fargo punishes me or makes me pay a fee for that mistake, but Wells Fargo just retrains their employees and this is that. Well, I am not happy with that upcome.

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 2019-10-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Can not register my card after buying it for {$2.00} and adding {$32.00} to it as prepaid. Also, the card will not make online payments and I have no way to get my {$32.00} back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is reporting to the credit bureaus every month that my payments are 90-120 days late. I checked with them and I do not owe anything to them for several more months because I am in deferment. I disputed this with XXXX  and they changed it to reflect an even worse and more incorrect payment history. Attempted to contact navient regarding the issue and they said they couldn't help me with credit reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, AND XXXX XXXX AND ALL COLLECTORS FAILED TO DELETE ALL THEIR ACCOUNTS FROM XXXX! BK NO.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