vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
Mortgage was originally opened in XX/XX/XXXX with the loan valued at {$140000.00} which is also prior to the FHA changes to PMI. 

Loan was sold to LakeView Loan Servicing LLC at some point from the original company. Original contract stayed intact and should not have changed the being able to drop PMI after a minimum of 5 years and XXXX at 78 %. 

On XX/XX/XXXX I made an additional payment of {$1200.00} to bring my LTV under the 78 % threshold which is the threshold for auto removal of PMI. 

On XXXX I was charged {$110.00} for a PMI disbursement. 
On XXXX I was charged for a PMI disbursement for {$110.00} I had submitted a support ticket between XXXX & XX/XX/XXXX questioning about this On XX/XX/XXXX when they " cancelled '' my PMI they took an additional {$110.00} Called on XX/XX/XXXX to inquire about a refund due to this. Never received a response either written or electronically. 
Called on XX/XX/XXXX to inquire about the previous call and found out that there was no ticket escalated. The customer service rep then said she would escalate a ticket. 
Called on XX/XX/XXXX to inquire about the previous call and found out that the ticket was closed with no response written or electronically. Customer Service rep confirmed that this was dropped on XX/XX/XXXX but was adamant that they will not retroactively refund the above amounts. Waited to put this complaint in until I talked to the supervisor, but currently as of XXXX CST, I have been on hold for 130 minutes waiting to talk to someone. 

I have attached XXXX - XXXX statements from LakeView Loan Servicing LLC.

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 2019-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened a savings account on XX/XX/2019 with Chase Bank to earn a XXXX promotion bonus for a new savings account.  The only requirements were: 1) I had to deposit a total of XXXX or more in new money within 20 business days of account opening, and 2) I had to maintain at least a XXXX   balance for 90 days from the date of deposit.  Once these two requirements were met, Chase Bank would deposit XXXX  in my new account within 10 business days.I deposited XXXX into the new savings account onXX/XX/2019.  I transferred XXXX out of the account on XX/XX/2019, leaving XXXX in the account to avoid monthly service charges.  If you calculate the elapsed number of days fromXX/XX/2019 (NOTXX/XX/2019 when I made the deposit) to XX/XX/2019 (NOT the day I transferred the XXXX out of the account), you will find that I maintained a balance of XXXX in my Chase savings account for 90 days.  I called the customer support number to inquire about my missing XXXX bonus deposit and the call center rep stated that the system indicated I needed to keep the XXXX in the account one more day to earn the bonus.  She then stated that Chase Bank will not pay me the XXXX promotion bonus. Keep in mind that I am NOT including the day that I made the deposit (i.e. XX/XX/2019) in my 90 day calculation above, but it should be included, which would result in a period of 91 days that I maintained a balance ofXX/XX/XXXX in my Chase Bank savings account.I believe I have acted in good faith and met the requirements as set forth by Chase Bank.  If Chase Bank is calculating the 90 day period incorrectly for customers across the country, it could amount to a sizable sum not being paid to customers that are deserving of it.I have also filed this complaint with the OCC..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12 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: CA

Complaint narrative:
On XX/XX/2019, I see 2 hard inquiries appear on my credit report instead of one from XXXX. I believe that one of them is a duplicate inquiry. Please help me remove them from Experian 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 2019-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ACQ Holdings, LLC.
State: TX

Complaint narrative:
I sent the company written notification via fax on XX/XX/2019 stating I was revoking ACH access to my XXXX XXXX checking account. 
Twice after receiving the letter ( fax confirmation attached ) they debited my account causing overdraft fees. 
They ignored my written request in violation of Federal and State laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Beginning from XX/XX/2018, a list of unauthorized and fraudulent transactions totaling {$32000.00} had posted onto my card statements. Each time I called, and continue to call for an update, it seems that each representative had a different piece of information. Most try to end the call quickly, providing an incredible lack of customer service, by saying there was no information showing on their side which was false and proven by more aware representatives - giving me consistent anxiety as I made endless due diligence in following up with this matter. Bank of America made a disappointing breach to their {$0.00} Fraud Liability Guarantee even after confirming that I received no security notification from them of the transactions that posted onto my account. I have went ahead and attached Bank of America 's disappointing letterhead breaching their {$0.00} Fraud Liability Guarantee. To this date, I still have not been rightfully credited by Bank of America for the fraudulent transactions even after consistent due diligence and daily follow ups with relevant documentations pertaining my fraud claim.

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 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was recently taken over by NewRez/Shellpoint from XXXX, effective XX/XX/XXXX. My XX/XX/XXXX auto payment was collected by XXXX and sen to NewRez without a problem ( that I know of. ) On XX/XX/XXXX I called NewRez as I was concerned that my monthly payment had not drafted out of my account as it was supposed to. I also went online to check the status of the auto payments. The amount showing was not what I had set with XXXX, it was for the minimum due on the mortgage and escrow account. The rep told me that he would delete the recurring payment information so that I may update it with the amount I preferred to pay. I asked if the minimum amount was going to draft anyway, to which is stated no, but to check in a couple of days to be sure. I then proceeded to update my preferred auto payment amount and the site read that the change would be effective XX/XX/XXXX. I planned to wait on making the XX/XX/XXXX payment until I made sure that it did not draft out of my bank automatically. Next time I check, the original payment had been drafted out of my bank on XX/XX/XXXX and a second draft for my updated amount was done on XX/XX/XXXX, resulting in NSF when other payments I had made tried to clear. I have contacted NewRez 3 more times trying to get my money refunded and have provided the proof of the double draft. One rep told me ( XX/XX/XXXX ) that it would take 24-48 hours for the funds to be returned and when I called again on XX/XX/XXXX to check the status, the timeframe changed to 10-15 business days. On top of all of this, my account does not reflect the 2 payments collected in XX/XX/XXXX ; it only has ever reflected the payment from XX/XX/XXXX. No one could answer where my other payment was. Had it credited for XXXX, this would not be such a big deal, but money was taken from my bank without authorization and did not reflect a credit with NewRez. This, in my opinion, amounts to wire fraud and based other other consumer complaints I have read on XXXX is a rampant problem with this lender/servicer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/2019 ATTENTION DISPUTE DEPARTMENT BAY AREA CREDIT SERVICE Reported : XX/XX/2019 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious BAY AREA CREDIT SERVICE Reported : XX/XX/2019 I have report your company to  consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
Continuous phone calls, asked to not be called and have information mailed to address they have on file for specific amounts and dates. No letter came just repeated phone calls all through the day and evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I started writing this company on XX/XX/2019 asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dated XX/XX/2019. I received a response from them on 0 ( XX/XX/2019 they sent me a itemized bill stating that I owe them {$1100.00}. I never received any documentation bearing my signature or obligation to pay this debt. I informed them also that they are in violation of the HIPAA LAW. The furnishing of this account information to XXXX XXXX XXXX XXXX XXXX, is not in compliance with HIPAA, or WISCONSIN 's Privacy Act, and any subsequent reporting of this account on my credit reports to [ credit reporting bureaus ] is a clear violation of PUBLIC LAW 104-191 ( " HIPAA '' ) I am requesting you promptly rescind all such account information furnished to XXXX XXXX XXXX XXXX XXXX   and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.

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 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I started writing this company on XX/XX/2019 asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dated XX/XX/2019. I received a response from them on XXXX ( XX/XX/2019 they sent me a itemized bill stating that I owe them {$1100.00}. I never received any documentation bearing my signature or obligation to pay this debt. I informed them also that they are in violation of the HIPAA LAW. The furnishing of this account information to XXXX XXXX XXXX XXXX XXXX, is not in compliance with HIPAA, or WISCONSIN 's Privacy Act, and any subsequent reporting of this account on my credit reports to [ credit reporting bureaus ] is a clear violation of PUBLIC LAW 104-191 ( " HIPAA '' ) I am requesting you promptly rescind all such account information furnished to XXXX XXXX XXXX XXXX XXXX   and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.

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 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
In XX/XX/2019, I agreed to a Forbearance Plan with Ditech to make a portion of my payments due to current financial hardship. Both Ditech and I agreed to a monthly payment plan which is due to end in XX/XX/2019, at which time I will began to make full payments and pay any outstanding balance owed. At the time of establishing the Forbearance, Ditech stated that it would be reported to the credit agency as " Forbereance Plan and Paid to as Agreed. As of today I am current with all agreed to payment arrangements under the Plan. However, Ditech has reported it to the credit agency as " Past Due '' on the balance owed ( minus the Forbearance payments ), as opposed to being in a " Forbearance and Paid to As Agreed ''. 

This past due status has impacted my credit score substantially. On XX/XX/19, Ditech says they are unable to provide me with documentation/material outlining the Forbearance process and how its reported to the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/2018, I had filed my initial XXXX complaint because, among other things, the Fedloan Service had incorrectly capitalized the interest on my account due to a processing error. After my complaint, I had received notice that on XX/XX/2018, a request was submitted to reverse the incorrect interest capitalizations. However, 15 months later, there has been NO progress on this. I have called approximately 5 times, each time a representative has confirmed that no progress has been made and that they will " make a note '' to reverse the incorrect capitalizations. I last spoke with a representative named XXXX ( ext XXXX ) though I believe there is no plan to actually correct the process error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am been a victim of identity theft. I have been a victim of this terrible issue which caused XXXX XXXX to close down my account and force Checksystem to put fraud alert on my account meaning I can not get any checkings account with any other bank. I am putting a claim in against checksystem because I want checksystem along with consumer financial protection Bureau along to find my innocence behind this identity theft matter. I am willing to help yyou guys fully investigate to also find my innocence. This issue have held me back in recent days. Please work with me to find my innocence against the identity theft crime.

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 2019-08-12 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: WY

Complaint narrative:
To Whom It May Concern : I am writing to update and correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX WYOMING Please update my name to : XXXX XXXX My only social security number is XXXX I do not wish to have any telephone numbers on my report. Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. Sincerely 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 explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Have attempted to work with lender for last year. Filed paperwork five times for modification. They have lost numerous copies and or pages causing the procedure to begin again. 
Past three months have called them twice daily. 
They say they have an assigned case manager but have never been able to speak to this " person ''. No one that I have talked to there even knows who that is. Just some name they made up to look good. 
Always a different person to speak to and they never give the same answers. 
Worse company I've ever tried to deal with. They want you to give up and fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX located in XXXX, MI repossessed my vehicle for owed payments to Gateway Lending & Finance for a XXXX XXXX XXXX. I attempted to contact Gateway One that same day but never was able to speak with an actual representative live. I finally got a hold of someone at Gateway XX/XX/XXXX. The person I spoke with directed me to the repossession collection agency XXXX XXXX to obtain my items from my vehicle as permitted by Michigan law. I contacted XXXX XXXX on XX/XX/XXXX XXXX XXXX and spoke with a person claiming to work off of appointments. Since the vehicle was repossessed from XXXX XXXX, MI to XXXX, MI there is at least a 30 minute drive for me to get my items back. I told the person I would have to contact XXXX XXXX back again after I arrange for a ride to pick my items up. I was under the impression that I would have time to actually go through the vehicle, the person at XXXX XXXX claimed it was a 30 minute appointment. I contacted XXXX XXXX on XX/XX/XXXX after arranging transportation at XXXX XXXX and leave a message. The person contacts me back at XXXX XXXX on XX/XX/XXXX. We agree to an appointment at XXXX XXXX on XX/XX/XXXX for me to be able to remove my items. I ended up being late for my appointment since my elderly, XXXX mother let me drive her car there but got lost on the way to pick me up. I contacted XXXX XXXX at XXXX XXXX  on XX/XX/XXXX to confirm our appointment at XXXX XXXX, the person I spoke with stated ok. I contacted them again at XXXX XXXX on XX/XX/XXXX to let her know I was running late, there was no answer nor any answering machine when I called. I called again at XXXX XXXX  on XX/XX/XXXX and left a message stating I was running late. Once I arrive at XXXX XXXX the person claimed our appointment was at XXXX XXXX very rudely instead of XXXX XXXX as if wanting some kind of argument despite our phone call confirming the latter time earlier on XX/XX/XXXX. The person claimed the paper I signed was to waive any fees associated with removing my items from my vehicle that may be imposed by XXXX XXXX. She then told me to stand outside of the office. Seconds later she threw a trash bag with holes in it and full of my items onto the ground but did not say another word to me. Once I was able to go through the items in detail in the trash bag I realized that there are at least 2 items missing that were in my inner console of my vehicle which belong to me. I contacted XXXX XXXX to notify them of the missing items at XXXX XXXX on XX/XX/XXXX and left a message. XXXX XXXX lied about our confirmed appointment time and stole at least 2 items from my vehicle. I have my cell phone call listings to show when I contacted XXXX XXXX to obtain my items from my vehicle as proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation