vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: DISCOVER BANK
State: CA

Complaint narrative:
This issue has been dragging on for over 6 months now. I am exhausted trying to come to a conclusion but everybody including my credit card is playing ping pong and referring me from one department to another. 

I order furniture set from XXXX XXXX XXXX. I actually purchase in-store, paid with my credit card. I paid for white-glove service which is the when everything should be shipped to home and assembled. 

XXXX XXXX 's delivery was a complete mess on delivery day with delayed shipping dates, delivered damaged goods, and intentionally stopped responding to our communication attempts. We tried phone calls countless times. 

Once we started a dispute with credit card - Discover - XXXX XXXX, General Manager reached out and asked how they could rectify the situation. After speaking she understood the situation is a mess and suggested to have all items returned because of the negative experience with damaged and delayed shipping goods is unacceptable. However, it has been several months and still no one has communicated with me in regards to furniture pickup updates as we spoke about. 

Discover in my dispute portal finally stated dispute is resolved in favor but did not credit me my full dispute amount and instead charged me. I am so confused. If the dispute is in my favor then why should be charged for the damaged and delayed goods it should have been returned by now but again no one is communicating appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute regarding inaccurate items on my credit report. I sent a letter on XX/XX/2021 regarding unknown and incorrect items on my credit report. It has been well over 30 days and I have yet to receive a response or any investigation results. I feel like I am being ignored and taken advantage of. The following items should be deleted instantly because it has been over 30 days. This information is negatively impacting my credit standing as well as negatively affecting my peace of mind. This was done without my permission. Please remove the inaccurate items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has provided false information of XXXX XXXXXXXX XXXX GA XXXX verifying the public record on consumers file as accurate. Under the FCRA, courthouses do not verify public records to credit reporting agencies, credit bureaus, third-parties and vendors. Experian states on report of dispute results that XXXX XXXX XXXX XXXX XXXX, is the third-party vendor who provided them information regarding the public record at https : //experianconsumers.XXXX.XXXX/. XXXX is not the original data furnisher of this information as required under FCRA and must be deleted for false reporting and XXXX could not verify this public record in their database : Chapter XXXX bankruptcy. Continuing to report the public record is a violation under the FCRA as stated above, I have requested for Experian to stop reporting the public record and delete it from the consumer 's 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 2021-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
15 months ago I called my loan company ( LoanCare ) as I was experiencing financial hardship due to COVID-19. My account was current and in good standing. We agreed the best option for me and my family would be to put my loan in forbearance until my situation improved. XXXX assured me that since my account was current and in good standing it would be reported to all three credit bureau 's as such. I have been calling into XXXX on occasion ( at least five times ) to either check my status or extend the forbearance over the past 15 months and each time they told me that the account status showed current and in good standing and that that was what they were reporting. I recently purchased a car where I put $ XXXX down and my rate was XXXX XXXX. I am trying to take advantage of the VA 's recent decision to waive the VA 's rule of XXXX consecutive payments and refinance my house as my current loan is at XXXX  % and I have been offered XXXX XXXX which would be a significant cost savings and would offset the 15 months of forbearance. When the lender pulled my credit report they discovered that XXXX has been reporting me as 90 days delinquent each of the past 15 months while I have been in forbearance. This disqualifies me from refinancing. I called XXXX to validate what they have been reporting and they told me that they should have been reporting that my account is current and in good standing.. When I told them what they were reporting they informed me that I would have to submit this in writing and that they do not know how long it will take to resolve. I have submitted in writing per their process and they have failed to respond to my repeated inquiries as to how long it will take them to fix this and what the process is. Each day that this is not fixed the rates could go up and potentially impact me XXXX XXXX XXXX XXXX XXXX I recently tried to refinance my car to a lower rate and was denied due to this delinquent reporting by XXXX. I am wondering how many other vets they are XXXX over this way?

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 2021-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: IN

Complaint narrative:
I called Lending Club on XX/XX/XXXX to cancel my non-funded loan. The initial representative along with the subsequent representative appeared invasive and hesitant to process this request. The second representative cautioned me not to spend any money from the loan. The loan was not funded prior to me calling. I logged into my Lending Club account and it show the loan was funded and complete. I did not trust that this representative ever entered my request at all. I called back to confirm the the cancellation request and again I was promised by XXXX? ) that the cancellation request was processed and she stated I'd receive a email confirming my cancellation request. She also advised me that there was no cancellation request previously entered that she could see. I then logged into my XXXX XXXX account and seen that the account was not funded. Granted I do not want this loan. As I explained to representatives i got a much better rate locally. LC is trying to force me into this loan. 
Additionally, and most recently I continued to email the company regarding my previous request. The company finally sent an email today ( XX/XX/XXXX ) stating that my payment on this loan would be XXXX the cash out amount of the loan minus their {$1000.00} fee. Due on XXXX the XXXX. I previously established with this company that my XXXX XXXX XXXX was returning the the funds which in they ( XXXX XXXX XXXX did to the LC account the funds cames from. So essentially LC is intent on trying to get their fee regardless. Regardless, to that their very own policy states that a borrower only needs to call them and establish their refusal to receive the loan. I did that even prior to the loan be mysteriously deposited into my XXXX XXXX account ( after ) my cancellation request howbeit. Lending Club 's policy does not state ( currently at least XXXX that the borrower will be charged any fees if they are notified with the 5 day period after the loan. I clearly notified LC but the representatives did not follow through and process any of my two ( 2 ) requests for cancellation of the loan. So LC will ( attempt ) to hold be liable for the {$1000.00} ( processing fee ) despite there being no company policy to support this charge. I in-turn will not pay this amount. My account access has also been denied every since my cancellation request. In addition a XXXX  complaint has been filed and ignored by this company per their response on XX/XX/XXXX and a certified letter mailed to the company along with multiple emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My house is in a flood zone XXXX I live in XXXX, CA which is a high altitude desert. The only reason why I am in flood zone XXXX  is because there is a creek in the back of my house, which is controlled by a XXXX. This is data that I've gotten from my home insurance company XXXX XXXX XXXX, from the previous owner when the house was sold, and from the company who managed my refinance earlier this year. 

SunTrust, my mortgage provider, claims I live flood zone AE. I have contacted them multiple times, and have forwarded the reports from XXXX and from my recent refinance to prove I am not in flood zone AE. Each time I contact them, they say they need to refer to their specialists which will take 1 week, and then I hear no reply. 

They charged me for flood insurance in my escrow account for {$2100.00} which I paid in full. However my monthly payment has increased by {$300.00} as if I still have an escrow balance and I'm still getting charged interest from escrow ( even though the balance is XXXX ). 

Today was the XXXX time that I've called SunTrust on this issue. After rerouting me multiple times, they eventually tell me to call someone else or that they will call me back. XXXX has asked that I get their flood zone maps in order to resolve this conflict, but SunTrust refuses to give me any documents verifying their claims, and they refuse to give me an email address so that I can have a paper trail of my correspondences.

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 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
XXXX acquired our mortgage from XXXX XXXX in XX/XX/XXXX. We had auto bi-weekly payments set up through XXXX XXXX and that auto bi-weekly payment continued with XXXX. We had no issues with autopay until our payment that was due on XX/XX/XXXX. We made no changes to our auto payment options, but the XXXX system incorrectly applied all of the payments we made for XX/XX/XXXX entirely toward the mortgage principal. In our XXXX statement, we were surprised to see a late fee because {$0.00} was applied toward the interest portion of the mortgage for XXXX XXXX error caused by XXXX. 

Since the problem began in XX/XX/XXXX, we have received multiple late fees because of the error by XXXX. Despite months of back and forth with the XXXX customer service team ( calls to agents & supervisors made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to try to rectify the situation, the problem still persists. Every time we called we were assured that the problem would be fixed, that the late fees would stop appearing, and that our payments made through autopay would be correctly applied. 

As of today, XXXX has not resolved the problem with their system and continues to neglect our account. Compounding this problem, XXXX has also incorrectly reported that we made a late mortgage payment for the month of XXXX because they continue to misapply our on-time payments. This late payment now shows up on my credit report and has a substantial negative impact on my credit score and that of my partner. Every month we diligently pay the exact amount required via autopay, but XXXX has inappropriately flagged us as being delinquent. 

In summary, we want XXXX to promptly remove the late payment on our credit report and to address the problem with their payment system incorrectly applying our payments.

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 2021-07-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2021 I sent disputes to Experian and they were certified mail, someone signed for these documents on XX/XX/2021 at XXXX pm with tracking number XXXX and I received no update nor response to the letters that were signed for. Then on XX/XX/XXXX I resent the letters via certified mail and it was signed for on XX/XX/2021 with tracking number XXXX at XXXX and I have yet to receive any results or even that its been investigated. I would like all that information on those letters permanently deleted from my reports. The laws put in place by the FCRA state that I have the right to challenge inaccurate information and Experian signed for my information and failed to respond its been well over 90 days, at this point I will be also suing Experian for not complying with the law as it pertains to FCRA. This time of treatment is unacceptable and a poor stall tactic on Experians behalf.

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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Pursuant to the Truth in Lending Act Regulation Z, I am the " creditor '' and " consumer ''. XXXX XXXX, XXXX has sent me a bill making it a " debt collector '' via its monthly written statements as to its form of " communication '' to me. 

LXXXX XXXX XXXX claims that I owe an alleged debt and has told me numerous times that I have an alleged debt to pay. As the " consumer '', XXXX XXXX, XXXX never had my consent to even contact me. Even so, it has communicated with more than one location with my non-public information that it has shared with other companies including Lakeview Loan Servicing , LLC and its payment center. I demand that XXXX XXXX XXXX cease and desist communications and I refuse to pay the alleged debt as a consumer. The action that XXXX XXXX, XXXX is taking is harassment and there is no alleged debt as all mortgage loans are prepaid. I request that this company stop using false, misleading, and deceptive tactics. There's no possible way that it to invoke a specified remedy as it, the " debt collectors '' can not use attorneys as there are none. This company 's unfair business practice was created in deception and fraud as it has obtained finances from me the " consumer '' through pre-meditated extortion to take legal actions when it has no authority. 

I, the " consumer '' challenged this alleged debt with a debt validation notice. I demand that all payments ever made to XXXX XXXX XXXX be refunded back to XXXX XXXX as this is a fraudulent scheme that XXXX XXXX XXXX  has created. 

XXXX XXXX XXXX is asking for " payment '' which means a payment that is made to further the commercial development of oil, natural gas, or minerals ; and not de minimus ; and include taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals. I can not pay XXXX XXXX XXXX  as I do not operate any of the three resources mentioned above as oil, natural gas, or minerals.

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 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Five Clans Lending LLC
State: CA

Complaint narrative:
I received a call today from the Collections Dept ( person 's name was XXXX ) from a company called Elk Lending. She advised me that I supposedly had taken out a {$500.00} loan and that the first payment was past due in XX/XX/2021. I immediately advised that I never took a loan out, and that I have never heard of Elk Lending. She apologized but they are requiring me to file a police report and an IdentityTheft.gov affidavit and email both to them at XXXX to hopefully clear this up sooner rather than later. 

I called the XXXX number as referenced on the upper left hand corner of the Elk Lending website ( https : //elklending.com/ ). I spoke to a woman by the name of XXXX. I requested she transfer me to their security department and she did not. She provide information exactly as what XXXX  provided to me. She also was kind enough to provide me my supposed login credentials to the Elk Lending website so I can poke around to see what information I can possibly find in there. 

Between XXXX and XXXX, I was provided the following information : {$500.00} loan, approved on XX/XX/2021. Loan was sent to a bank account at a bank named XXXX XXXX XXXX  same day. 

This is obvious fraud and identity theft as I don't need a loan, have need heard of nor bank at XXXX XXXX XXXX. 

How does this company verify that it was legitimately me applying for the said loan? They have my name, social and birthdate. They should be verify other information as well ( employer, paystub, etc. ). 

How do we resolve this quickly? What a hassle. 

Thank you in advance! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: CA

Complaint narrative:
I have been paying Plaza Services, LLC for many months now without knowing they are a collections agency. I was told via phone converstion that they were collecting the payment to be given to the original creditor, a company called " XXXX XXXX ''. I agreed to the monthly payments because they told me that they would not put this on my credit report since I would be paying the original creditor. This was a lie! I looked at my credit report and it shows a collections company called Plaza Services, LLC. I didn't know who they were since I didn't suspect I had anything in collections. I ended up recognizing the monthly payments I've been making. This is how I found out it was a collections company. I never received any offical correspondence informing me of who they were and what my balance was. It was all done via threatening phone calls. I agreed to pay to not have any negative remarks on my credit report on the phone. That was the pressure they used to get me to agree to give them my account information to take out monthly payments. They are still taking these payments out every months and on the credit report it shows a balance owed that is more that what was owed to the original creditor. They are ripping me off!

Company response to consumer: Closed with explanation