vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XXXX XX/XX/2020, my new lender purchased my mortgage from Lakeview. I had an autopayment set to withdraw at the beginning of XX/XX/2020. I canceled the autodraft and erased my bank information from Lakeview 's system. On XX/XX/2020, Lakeview withdrew money anyway {$8300.00}. I contacted Lakeview to refund the money immediately. They said it would take 10 to 14 days. At 14 days, I asked them where the refund was. They said the check was in the mail. It has been 19 days. I have not received any payments. This is theft. Even if they have sent the check, they have optimized the delay in refund and have injured me the opportunity cost in interest. It's slimy and disgusting. It's illegal. Lakeview creates ways to steal money from its customers. They steal money from their customers and only react when a customer with the wherewithal and bandwidth complains. REF : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have numerous issues..I spoke to one of your agents on XX/XX/XXXX for over an hour.My sister 's name and mine are the same. Our socials differ by one digit. The 3 bureaus have her info on my file.I thought this was fixed till I got my 3 reports. All mixed up! Does not have my correct address. 
XX/XX/XXXX XXXX XXXX reports 3 addresses in XXXX. I have lived present house for 22 years. XXXX XXXX XXXX. Never XXXX? Employers from XXXX?? am XXXX  XXXX since XXXX.XXXX  XXXX  XX/XX/XXXX . I never got a card. XXXX XXXX who stated they told XXXX XXXX that was NOT MY DEBT! 
Experian-XX/XX/XXXX..I never had a XXXX XXXX acct. Never chged any money.XXXX  XXXX  again.I spoke to them they know I didn't have their card. Still showing past due etc ... didn't have 2 XXXX XXXX cards it was a fraud..only have 1. Shows XXXX XXXX XXXX..never lived there..XXXX XXXX..sister..XXXX.XXXX.not us..XXXX  XXXX. Sister..XXXX.XXXX..sistrr..XXXX  XXXX XXXX..sister..SHOWS SOCIAL VARIATIONS ; XXXX?? NEVER USED XXXX IS SISTERS..XXXX  IS MINE..Do n't work at a trucking company? Have also called all of these inquirers that I neverrr called..I never applied for Life Ins..XXXX XXXX..XXXX   XXXX..Leasing..XXXX  etc.. 
XXXX  : Again, had 3 addresses in XXXX..only lived at one..had my sister 's year of birth XXXX..not mine..and her social XXXX..and her name XXXX. 
But this XXXX XXXX investigation of XXXX XXXX  was incorrect. XXXX said they told XXXX that it was NOT me and they were writing it off..it was a fraud..so was one of the XXXX XXXX. They are all still reporting XXXX and it was NEVER 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 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I was expecting that I will have a fix payment. I notice an e-mail from Amerihome Mortgage related to the COVID19. When I logon into the page I saw that there were a message saying that something changed when I go through the notifications and my statement I saw an increase in my mortgage payment over {$400.00} and it says that it is due to my escrow balance. I got my homestead exemption and the insurance increases few dollars. Im just surprised and I just can not afford an increase of {$400.00} I just cant afford it so I need that this bank listen and review and research and adjust my monthly payments in a timely manner because I dont want to lose the house. Im not trying to play violins with a drama story but get this house was very difficult, even using a county down payment that I cant payback in the next 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Credit score dropped 28 points. The only change was a XXXX payment to one of my credit cards. This alerted me to a potential problem. I called and waited over 3 hours to speak to customer service. Once they answered they told me to call back in 30 minutes because they were having system issues and could not access my records. I asked them why they did not put this in their hold messages so that people arent waiting for 3hrs. I was told they cant disclose that information. I asked if they will do this. The answer is no. I asked if they had an estimated time that the issue would be resolved. The answer was no. I asked to speak to a supervisor and asked for her name and ID number. She said they dont have supervisors and that she could not give me the ID number or anything but her first name : XXXX. I am concerned about the unexplained drop and am hoping its not due to some kind of fraud issue. This happened today XX/XX/20. At approximately XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: PA

Complaint narrative:
Debt was paid in agreed settled amount. With stipulation written if cashed! Flagship offered me an installment payment plan over 12 months to pay off debt. I paid the {$4000.00} agreed amount in one payment. Written on check if cashed flagship is agreeing to remove from my credit reports! Flagship has had the opportunity to return the check to sender, and the opportunity to notify me via email or by phone to let me know they were not agreeing to the terms written on the check! Flagship credit acceptance LLC cashed my check knowing my expectations! I dont see if I fulfilled what they asked of my why they shouldnt be obligations of the stipulations of cashing my check!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been dealing with this problem for a long time.I need to get these collections removed. I've already sent in all the correct documents, and these collections still show up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX/XXXX  inquiry XXXX XXXX XXXX/XXXX XXXX inquiry XXXX XXXX XXXX inquiry XX/XX/2018 all hard inquiries that I have no knowledge of an should be removed from my credit immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: NC

Complaint narrative:
I founded account on my credit report not mine I never open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was called by XXXX XXXX Licensed Lending Officer NMLS #  XXXX. When I told her I don't want to credit pull she freak out and pressure me by threatening to hang up and telling me there many people waiting for her call. I could lose my home if I don't do what she said. I was not comfortable listening to her. I am sure someone will give into her pressure so I want to let others know about this situation. And want kind of agent is at Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: UT

Complaint narrative:
Credit Corp Solutions bought an account, that is supposedly mine, from XXXX XXXX  back in XXXXvery early XX/XX/XXXX. I've been in frequent contact with Credit Corp Solutions. They sent me a letter. I've called them. They have called me. They have all my contact information and have had zero problem locating me. According to my notes I spoke with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX they called a family member, despite the fact that they have had zero problems contacting or talking to me. This is the key point : they could have reached me easily if they called me directly. I have no idea how they could have gotten the family member 's phone number. This particular family member has not been a part of any account that I've created in well over a decade. Given Credit Corp Solution  called my family member despite of the fact that they could have easily reached me is a form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Hi my name is XXXX XXXX XXXX. I have never done business with Midwest Recovery Systems. I do not have a signed contract nor any type of contract with Midwest Recovery Systems. I have the right to demand to see between Midwest Recovery Systems and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
XX/XX/2020 CFPB, I filed a complaint just a few weeks ago with your office against Honda Financial Services due to their harassing me with calls after I called and told them when I would pay my payment and paid within my 10 day grace period as promised as I have several times with them, BECAUSE I work for the State of IL IDES and we are only paid 2X a month, so I have to wait and pay them when I have money in my account as I am a twice widowed mother and live on one check and have no help. 

I did the same this month and paid them during my grace period again after they just got done threatening that they may start adding additional late fees and interest onto my account in their response letter to the complaint after I reported them to the CFPB, a regulator. Then this month when I went to pay my payment this morning at XXXX on XX/XX/2020 by XXXX XXXX with my debit card because I can not pay it online or by direct debit, they won't allow me to, as I always do, which ALSO costs me an additional {$4.00} on top of my payment monthly yet still they claim it takes them a day or two to post when they debit it right out of my account, as I promised them!! Then when listening to the recording it said my balance was higher than normal after I made my regular payment of {$590.00} which is due was due on XX/XX/XXXX. I am on day nine of my ten day grace period and this is the same day I have paid for the last several months with no late fees, yet my balance this morning before my payment said I owed {$1200.00} which is my current payment of {$590.00} due for XX/XX/XXXX, plus they have added my XX/XX/XXXX payment of {$590.00} which is not even due until then and a {$30.00} fee!!!! 

This is intentional and done after I reported them and done in retaliation for my reporting them to you as a regulator out of revenge and is ILLEGAL, this is what they were threatening when they responded to my complaint you!, saying they were going to add additional interest and fees if I did not pay ON the due date!! I want them held accountable, fined and made to refund the fee NOW!!! I am also going to contact President Trump about it!! I have a ten day grace period to pay which is not until tomorrow and that is if they are counting all days instead of just business days as they should!! I paid the same day I have for the last six months and have NOT been charged a late fee in the past, this was retaliation for my complaint to you!!! 

I am also going to contact my lawyer about it as I already have one class action started against a bank and not afraid to start another with  Honda Financial if they want to start this XXXX!!! Do your job and enforce the laws on them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: NJ

Complaint narrative:
I have contacted Equifax about XXXX having an unauthorized inquiry on my report and also having incorrect addresses on my report. They have had ample time to investigate as I have been asking for them to remove this data since early XXXX. Please urge them to remove this incorrect DATA please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/20 Account opened XX/XX/20 Approval letter and card received XX/XX/20 I called to activate card. ID ( front & back ) requested and submitted XX/XX/20 Charged at the XXXX XXXX XXXX declined. I phoned from restaurant and I was told the card was not activated after re-submitting information requested by bank, my card was activated again. I charged the card for diner for the amount of {$68.00}. 

XX/XX/20 Card used at XXXX XXXX For the amount of {$2.00} XX/XX/20 XXXX XXXX purchase was denied. 

XX/XX/20 Call company, they requested more information. 
At that point, I paid the full balance online and called back to close my account. After talking and closing my account with the XXXX  XXXX operator, I went online to check my account and my status went from available balance to " NOT AVAILABLE BALANCE N/A ''. 

XX/XX/20 I received email stating that I was late with my payment. I went online and XXXX XXXX was charging me for late fee {$25.00} plus annual Fee {$95.00} plus Interest. 

I called them again and they told me I need to send them my driver license in order to continue with our conversation and to resolve the issued. I explained I was in the hospital due to my XXXX, she didn't care. Also, she told me that my account was Not closed. She told me it was in the record that I called to close the account but I hand up before they would tell me about some disclosure. ( That is Not true statement. I stayed with the operator until the end together with my husband. Must be a recording of that conversation ) XX/XX/20 I re-submitted Driver License. No one havent call me since then to resolve this issue. 

Please help me to resolve this horrible nightmare by crediting of all " bank charges '' and closing the account. I am scare to received another statement with more charges and/or reported to the credit buries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I founded account on my credit report not mine I never open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: NC

Complaint narrative:
I founded account on my credit report not mine I never open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc.
State: NY

Complaint narrative:
keeps calling about a debt. during a time of covid-19 and I was laid off as of XX/XX/20 and they keep calling trying to collect a debt I'm not aware of from phone 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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I opened a XXXX XXXX Credit Card in XXXX, and kept my account unused when I was notified that my account was closed. This year ( in  XXXX ) I was served a notice to court to either appear for or pay past due balance of {$2300.00} from Blitt & Gaines, PC ( a bill collecting attorneys office ). When I contacted XXXX about the issue and the fact that had no idea about the charges to my account and therefore had no knowledge to take actions against the apparent fraud against my account I was told that there was nothing they could do because they had sold the account already. When I got in contact with the dept collector, they told me that there was nothing they could do but settle for an amount that was more than {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: NJ

Complaint narrative:
Experian has ample response to respond to remove unauthorized and inaccurate information 1. XXXX XXXX XXXX - XX/XX/2020 2.  XXXX XXXX XXXX - XX/XX/2020 please have them remove these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
From the best of my recollection : 1. XX/XX/XXXX Access Group loans were split between Nelnet and Firstmark 2. It was improperly communicated to me that it was two different agencies. 
3. I made payments to Nelnet and did not realize nothing was going to Firstmark 4. In XX/XX/XXXX, when I realized that Firstmark needed payments, I made a lump sum payment to catch up. 
5. I set up autopay 6. I then asked to have my future payments applied to both Nelnet and Firstmark 6. They did not apply to Firstmark 7. When I realized this was the case, I again made a lump sum payment and set up an autopay to two companies in XX/XX/XXXX 8. I have not missed any payments since the autopay was straightened out 8. However, now Firstmark reported the missed payments to credit report and Firstmark is not willing to fix

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/20 - Applied with Chase Home Mortgage with XXXX XXXX. 
XX/XX/20 - Provided XXXX aka XXXX with all requested information to receive a quote on a Mortgage refinance - Details below 1. Est. Home Value XXXX 2. Loans - XXXX primary Mortgage XXXX Heloc 3.  LTV of new loan 60 %, 4. Interest rate 3.25 % 5. Points 2.315 %. 
XX/XX/20 - Further discussion Points was reduced to 1.69 %. 
XX/XX/20 - Accepted terms of XXXX Loan 3.25 % interest rate and 1.69 % points. 
XX/XX/20 - Paid {$500.00} deposit based on accepted terms, advised not refundable unless the deal doesn't close. 
XX/XX/20 - received new loan estimate with different terms than agree 'd. XXXX loan, 3.25 interest rate and 2.315 % points. 
XX/XX/20 - Spoke to another representative ( can not remember name ) - advised I was not happy with the new terms I did not agree to. Was told XXXX ( XXXX ) would call me back the same day. 
XX/XX/20 - No word back from Chase or XXXX, sent an email to XXXX that I do not accept the updated terms and requested to cancel the process and to refund the {$500.00} deposit as Chase was not living up to and not timely correcting the issue. I have lost faith in the integrity of Chase. 
XX/XX/20 - XXXX finally made contact and refused to take responsibility fix the issue or refund the {$500.00} deposit. Again requested via Email to cancel the transaction and return the {$500.00}. 
XX/XX/20 - XXXX XXXX of Chase sent an email requesting I continue to submit documentation to push the loan further. I made him aware that on XX/XX/20 I requested to end this transaction and request the return of the {$500.00} deposit as Chase was not honoring the terms I agreed upon. 

I was confused as to why XXXX ignored my request to terminate the process, and I have yet to receive the {$500.00} deposit refunded back to my credit card. 

I agree 'd to pay the {$500.00} deposit based on the lower point terms, I was hesitant to pay a deposit based on the 2.315 % points and only after being offered the 1.69 % points was I comfortable paying the deposit. To me this is a bate and switch poor salesmanship trick. 

Time Stamps of all 5 files being provided. 

1. 1st Loan Estimate, not accepted, not locked - XX/XX/20 XXXX XXXX  2. 2nd Loan Estimate, accepted, not locked - XX/XX/20 XXXX 3. Lock in Agreement, Accepted, XX/XX/20 XXXX 4. 3rd Loan Estimate,  accepted, locked XX/XX/20 XXXX 5. 4th Loan Estimate, NOT accepted, locked XX/XX/20 XXXX

Company response to consumer: Closed with monetary relief