vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 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:
In XXXX of XXXX we began talks with LoanDepot in order to re-finance our home through a loan modification. The reason for this was that I was diagnosed with XXXX and my husband lost a significant portion of his income. As we began to submit the required documentation, Loan Depot repeatedly changed the type of information required. 
Over the course of six months we went back and forth due to their changing whims. At no time were we able to speak directly to the group within Loan Depot requesting the information. We even had a professional group as well as an attorney submit our documentation. 
When we finally submitted all of the documentation, we were denied because LoanDepot stated they could not pull our credit due to a freeze. When we called each credit bureau, they each stated that not only was there NO freeze in place, but they had NO record of LoanDepot making an attempt to pull our credit. 
The result of this fraudulent position presented by LoanDepot was that we had to file for Chpt XXXX BK in XX/XX/XXXX. After we filed to save our home, LoanDepot attempted to withdraw funds from our account despite the filing. We noticed this and put a stop payment on their DDA Loan Depot , Inc. They then engaged in another fraudulent practice of changing their DDA to XXXX XXXX, to collect the funds that they DID NOT have authority to take. 
As a result, they took our money for a XXXX payment. Unfortunately, we did not know they already took those funds via those fraudulent means and we sent a separate check to remit our payment. When we noticed this action on their part, we immediately suffered significant monetary impact, but we thought at least the month of XXXX and the month of XXXX was covered. 
Loan Depot sent us a statement that showed that we still owed for the VERY month they nefariously took our money under the XXXX DDA. They denied the transaction despite our bank records showing the exact opposite. This took several weeks of calls to resolve. 

Ultimately, we feel that LoanDepot had no intention of reviewing, much less, approving a loan modification. We think is due to my husband 's XXXX and my XXXX. Their repeated changes to required documentation was used as delay tactics as well as their absolute lie regarding our credit freeze were cited as the reasons for the loan modification denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I found out I had a collections with Kohls a few years ago without any knowledge of charges that was made. I previously had a kohls account that I didnt use and believe was canceled. I told Kohls I was unaware of the charges, paid it and made sure it was canceled. Later on I found out on a free credit report that the delinquency dates was showing someone was making payments to a balance I didnt know about. I called Kohls and told them it wasnt me and they provided personal information that wasnt mine. After updating my information I told them I had a Kohls card once and I didnt make those payments or charges. They told me to file a dispute with the credit reporting agency. Kohls then supported their false report. I paid for a 3 credit report app. And found out that Kohls had more then one account in my name and didnt tell me about it. I then filed another dispute saying the account was falsely put in my name. Kohls again supported their false report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested validation of an account listed in my name with XXXX XXXX that is being reported to the three major credit bureaus. I requested a balance owed as well as proof of ownership through a signed contract or service agreement. XXXX XXXX  failed to provide a balance or a signed agreement as I received a letter from XXXX XXXX  dated XX/XX/2019 stating an account was opened online and signed electronically but yet failed to provide the requested validation per FCRA. XXXX XXXX continues to report this alleged account to credit reporting agencies despite my request for deletion due to failure to properly validate an account per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-10 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/2019 I was approved for an income based repayment plan. The amount of my loans continue to rise as if theres no activity on my loans although the repayment plan is in place. The amount also fluctuate by the thousands monthly according to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Mobiloans, LLC
State: CA

Complaint narrative:
this creditor put charge off on my credit after this was included in my bankruptcy and I complaint with your company and they never responded to your office regarding my complaint I want this removed from my report thank you

Company response to consumer: Untimely response
Consumer complaint received 2020-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested validation of Capital One account by requesting a balance and a signed contract or application making me liable for said account as allowed by the FCRA. 
Capital One failed to validate account with a signed agreement or application and continued reporting the account on all 3 credit bureaus. 
Capital One sent a letter dated XX/XX/2019 further stating that they could not send me a copy of application because they did not have a copy. 
They continued by apologizing for the inconvenience but yet continued to report the account to credit reporting agencies despite my request for the deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
I have been trying to work out a deal with the, company Fay servicing but they keep ignoring my mother and me, I am trying to work out a deal with the company but they don't call me back when I called them, and they said the paperwork I sent in has Expired, I am frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
i tried to call and fix the problem called XXXX said they didn't have an account or pull people credit and gave me other number same thing said they had no account under my name and didn't pull peoples credit called experian they said file a dispute online but you can't and i show that i ask about other hard pull on my credit he said don't worry it okay it go away and hung up on me, XXXX me to be honest XXXX VIA XXXX XXXX XXXX XXXXXXXX, Data Source/Recorder 's Office : XXXX Requested by : XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXX Total Tax Amount : XXXX and i am not going to pay this amount on my taxes and i no i will be hit with it on personal taxes also want this removed NEW INQUIRY XXXX XXXX XX/XX/XXXX it very damaging to any person credit and have no clue where it come from or what it is

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 2020-01-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My credit limit is only XXXX dollars and capital One has decline all transactions of XXXX dollars. 

Capital One has email me over five times about my credit limit and has decline XXXX payment transaction. 

I didn't authorize Capital One or XXXX to charge or make payments after capital One email me the decline notice and credit limit notice. 

This matter is a matter of fraudulent activity on the behalf of Capital One regarding my credit limit and the decline notice. 

Both XXXX and capital One are refusing Arbitration under the Federal Arbitration Act regarding the terms and conditions of the Card and rental agreement. 

This is a matter of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
My vehicle has been paid for since XX/XX/XXXX. I sent Huntington National Bank a letter asking for my lien release in XX/XX/XXXX because the vehicle was wrecked and listed as total loss. I haven't gotten anything. I filed a complaint with XXXX  Ohio on XX/XX/XXXX and the complaint was closed because Huntington said they addressed the issue. I got a message on my home phone to call  XXXX @ XXXX. I've called him back several times and left messages with my cell number. Never got any return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested validation of XXXX XXXX account by requesting a balance and a signed contract or application making me liable for said account as allowed by the FCRA. 
XXXX XXXX failed to validate account with a signed agreement or application and continued reporting the account on all 3 credit bureaus. 
XXXX  XXXX sent a letter datedXX/XX/2019 further stating that they could not send me a copy of application because they did not have a copy. 
They continued by apologizing for the inconvenience but yet continued to report the account to credit reporting agencies despite my request for the deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express Membership Awards Account has been frozen since XXXX. I contacted the customer service in XXXX after I found out my account is frozen. multiple representatives informed me that it will take up to 12 weeks to resolve the problem. 12 weeks has passed and now the representatives are saying there is no timeline when the review will be complete. I was also told that I will receive a letter from them for explanation in early XXXX but have not received no letter or phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax continues to report disputed unknown collection listed as XXXX XXXX which is a collection account for XXXX XXXX. This unknown collection account was immediately deleted from XXXX  and XXXX. Collection was previously listed and properly deleted from all 3 credit bureaus when listed with a different collection company 3 months prior. Equifax continues to verify and list this unknown collection account and fails to verify the collection as requested and required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Good Afternoon, Spoke with company a year ago in regard to this debt. Informed company debt does not belong to me, company stated they would not remove debt unless XX/XX/2019 -I paid a fee - paid fee of XXXX $ debt still on credit file. XX/XX/2019 - sent debt validation letter - No response from company after 30days XX/XX/2019 - contacted company to follow up on why there wasnt a response to my debt validation letter and to follow up on why company took payment and didnt honor agreement. XXXX XXXX XXXX to Manager XXXX was told she would review call - still no mention of why company did not follow up on debt validation 30 day FCRA requirement letter. Manager - stated she would give a call back once she reviewed call after I stated Im getting CFPB involved. XXXX mid Month - XX/XX/2019 - Called back to speak to Manager, sent to voice mail no response. XXXX - Mid Month -XX/XX/2019- spoke with XXXX General Manager - assured he would look into all of the above. No response from company since then. Inaccurate, information on my credit file. No response to Validation letter. Company not responding or following up with dispute.

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 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, CarMax repossessed my car before the date it was due, according to what they told me on the phone, which was the XXXX. 
I was ready to pay one of my installments on Friday the XXXX. 

They asked me why my payments were late and I told them that I lost in one week, two clients that were putting food on the table. I even asked them to move one of the installments to the end of the contract, because I was going through financial hardship ( I told them this MANY times in MANY phone calls ), which would help me to get up to date and they always refused to help me, because they said that I didn't apply for that kind of help. 

However, after the car was repossessed, they offer me to defer all the fees to the end of my contract as a " one time courtesy ''. 
I asked them " Why do you want to do that now, that you repossessed my car and NOT when it could have helped me to get up to date? '' Their answer was that it would be because I'd get up to date with the payments, to which I said " I would have gotten up to date, had you allowed me to do it, when I mentioned to you that I was going through financial hardship ''. 

I dispute this abusive maneuver by CarMax. They took my only means of transportation, before the time I was told by MANY reps over the phone, without giving me ONE chance to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
i tried to call and fix the problem called XXXX said they didn't have an account or pull people credit and gave me other number same thing said they had no account under my name and didn't pull peoples credit called XXXX they said file a dispute online but you can't and i show that i ask about other hard pull on my credit he said don't worry it okay it go away and hung up on me, XXXX me to be honest XXXX VIA XXXX XXXX XXXX XXXXXXXX,  Data Source/Recorder 's Office : XXXX Requested by : XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX Total Tax Amount : XXXX and i am not going to pay this amount on my taxes and i no i will be hit with it on personal taxes also want this removed NEW INQUIRY XXXX XXXX XX/XX/XXXX it very damaging to any person credit and have no clue where it come from or what it is

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 2020-01-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is refusing Arbitration under the Federal Arbitration Act regarding the Pending Dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
I am in dire need of urgent assistance with my mortgage Lender, Lakeview Loan Servicing , LLC, C/O : XXXX. I recently received my current monthly statement that shows my monthly payment has doubled. I have not fallen behind on my mortgage payments. I also noticed on the invoice statement, that I have incurred asserted attorney fees in the amount of {$480.00}. I contacted customer service, which advised me to pay the fees to avoid going into default on my loan. To date, I have made all of my payments in a timely fashion, ( excluding legal public holidays, Saturdays, and Sundays ). My payments are normally mailed at the end of each month. 

I am asserting that the Service Lender charged this fee ( {$480.00} ) without a reasonable basis to do so, therefore ; I am requesting supporting documentation from the Service Lender, regarding their deceitful asserted impermissible fees that they have financially imposed on me. According to the Real Estate Settlement Procedures Act ( " RESPA '' ), an institution lacks a reasonable basis to impose fees that are not bona fide, such as ( i ) late fee for a payment that was not late, ( ii ) a charge for a service that a service provider did not actually provide, ( iii ) a default management fee for borrowers who are not delinquent, or ( iV ) a charge for forced-placed insurance that is not permitted by 12 CFR 1024.37 ( 12 CFR Part 1024, Supp. I., Comment 1024.35 ( b ) -2 ). I received information from Lakeview Loan Servicing , LLC on or about XX/XX/2019 indicating that " Recoverable Corporate  Advance Fees were paid with Servicer funds, but are to be recovered by the borrower ''. This appears to be a deceptive predatory practice by the Servicer with no supporting documentation of rule. 

My modification contract with Lakeview Loan Servicing , LLC does not specify any recovery corporate advanced fees involved in my repayment of the loan. So, why am I being charged this fee?

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 2020-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I setup automatic payments ( of $ XXXX/month ) for my Bank of America account for the year of 2019. The automatic payments were processed by Bank of America until the end of XXXX. I found out that they did not process my scheduled automatic payments for the months of XXXX. I accrued late fees ( of {$39.00} ) for each month ( 4 late-fees total ; one for each month ). These late fees impacted my credit score negatively. I talked to Bank of America and their representative said they couldn't do anything to resolve my credit score.

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 2020-01-10 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation