vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( Experian, XXXX & XXXX ). 
I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.

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 2019-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AR

Complaint narrative:
Since origination my loan has been sold to multiple mortgage servicing companies. I don't like the fact I have no control over this but I understand that's just the way it is. I've had a few issues here and there with some servicers but nothing like my experience with Lakeview Loan Servicing.

From the very beginning they have made errors and mistakes processing simple payments. I have had to contact them on a least 5 different occasions generally taking several calls for each issue. They like to give you the run around. " Email this here '', " call this number '', " We will call you back with a resolution '', " We will get it fixed '' then don't. 

The biggest problem has been my escrow account. They have messed that up 3 times now. I pay a shortage, on-time, they apply it to my principal. They fix the misapplication but don't re-adjust the payment correctly. They also don't re-figure the additional interest I was charged because of their mistake. This time it has been a 6 month process with multiple calls. Also being lied to by a very rude and unprofessional manager named XXXX. The issue is still not resolved. 

I've just had it. All I do is make my payments on time every month and respond accordingly and on time when something like a shortage comes up. It's so frustrating and I don't trust them to do anything right and feel like I constantly need to keep them in check or make sure they don't XXXX something up again. 0 % confidence in this servicer, zero!

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 2019-12-04 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: AES/PHEAA
State: WA

Complaint narrative:
I have been working with this company since my first loan in XXXX. The loan forgiveness is misleading, the workers will switch how to pay the persons loan but then the loan suddenly doesn't qualify anymore for loan forgiveness. The " loan forgiveness '' is a scam- they charge high rates with few, if any, of ever reaching 120 payments. I have asked for copies of the hundreds of phone conversations I've had with them, they will not give them to me. 
I paid off my loan of $ XXXX on XXXX the check cleared on XX/XX/XXXX. The funds are " lost ''!!! And my account still shows a balance of $ XXXX, now my credit report has been dinged. 
Can you help? This is an awful practice!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 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: FL

Complaint narrative:
I have contacted all 3 credit bureaus about a fraudulent item on my credit report and submitted a letter with a police report attached and asked them to remove the fraudulent account that I discovered. It is now more than 6 weeks later and none of the credit bureaus have done what they are required to do so per the FCRA. As a matter of fact XXXX  states that based on their " investigation '' the item remains unchanged. which in fact means that they have done none of their fiduciary duties and removed this fraudulent item on lay report. Clearly no investigation was done, as they are required to do so by the FCRA, and clearly they are not following the laws of the FCRA. 

A copy of the fraudulent account is attached with XXXX XXXX comments that " after investigation, the item remained unchanged and that this meets the FCRA ''

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 2019-12-04 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: FL

Complaint narrative:
I have contacted all 3 credit bureaus about a fraudulent item on my credit report and submitted a letter with a police report attached and asked them to remove the fraudulent account that I discovered. It is now more than 6 weeks later and none of the credit bureaus have done what they are required to do so per the FCRA. As a matter of fact Experian states that based on their " investigation '' the item remains unchanged. which in fact means that they have done none of their fiduciary duties and removed this fraudulent item on lay report. Clearly no investigation was done, as they are required to do so by the FCRA, and clearly they are not following the laws of the FCRA. 

A copy of the fraudulent account is attached with Experian 's comments that " after investigation, the item remained unchanged and that this meets the FCRA ''

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 2019-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: UT

Complaint narrative:
FBCS XXXX XXXX XXXX XXXX XXXX PA is saying that I owe XXXX I do not recognize the amount of the debt and asked for proof of the debt in writing. I to date have not received the proof. They are also calling my cell phone using a autodialer. I have asked them to stop and they will not. I did not give this phone number to the people i incurred the debt with. This is a violation of the TCPA which says Most recently, in 2012, the FCC revised its TCPA rules to require telemarketers ( 1 ) to obtain prior express written consent from consumers before robocalling them, ( 2 ) to no longer allow telemarketers to use an " established business relationship '' to avoid getting consent from consumers when their home phones, and ( 3 ) to require telemarketers to provide an automated, interactive " opt-out '' mechanism during each robocall so consumers can immediately tell the telemarketer to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I obtained Paypal Credit for the sole purpose of purchasing a relatively expensive event ticket. When I went to complete the purchase, I chose Paypal Credit as my method of payment. The amount of credit Paypal extended to me did not cover the entire transaction. My assumption was it would use all the credit extended to me, and then apply the remaining balance to my bank account. When I spoke to Paypal about the erroneous transaction, they explained i should have been given a chance to review the transaction, and which funds would be used before proceeding forward. I was not given that opportunity. Instead, Paypal used none of the Paypal credit, which again, i chose as the means to pay the transaction, and used my debit card ( i.e. my bank account ) for the entire transaction, moving my checking account balance to a negative {$300.00}, and incurring overdraft charges. When I asked if they would please reverse the transaction, and apply it correctly, they repeatedly refused until I gave up. I am happy to pay for the event, but I wanted to do it in interest-free installments over a 6-month period. Instead, I got a negative checking account balance, and overdraft charges. If I wasn't given the opportunity to review the transaction details, they should not be allowed to arbitrarily remove money from my checking account and then state " sorry, we can't, and won't fix this ''???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX   without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a violent car jacking in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted

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 2019-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I closed on my house XX/XX/2019. I have been calling my mortgage servicing company Roundpoint ... for 3 WEEKS asking about my escrow account. I have requested they stop payment on the check ... .they say they mailed ... .so they can't issue a new one. They kept telling me we can't do that until XXXX XXXX ... ..now today they are telling me that they can't do anything for another 2 - 3 weeks. This is stupid ... ..they were given the new address to mail this to on XXXX XXXX ... and I requested then that they cancel the check they had cut ... .because they weren't going to mail it until the XXXX ... .they said they couldn't and just the forwarding process clear it up. I requested again that they just cut a new check with the new address and stop payment on the old one even if it would take an extra week to do it. They said couldn't do it. Today I requested PROOF that they even mailed the check. They said they didn't have proof it was mailed on XX/XX/XXXX ... how do I even know they mailed it??? So banks have all the power in the world to XXXX people over by just saying they mailed something but with no proof? Do I have the same rights to tell a mortgage company I mailed a check and they wouldn't be able to do anything to me or my credit? THIS IS PLAIN STUPID THAT THEY CAN KEEP PUTTING ME OFF AND NOT PAY ME. Today is XX/XX/XXXX I have waited the time they requested ... they should cut me a new check and overnight it to me. I doubt they ever sent the first one ... .even the post office is not this bad.

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 2019-12-04 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: MD

Complaint narrative:
I have sent out Dispute letter of deletion in accordance with Fair Credit Reporting Act 611 to Transunion which they have not responded at all, or even sent me any of the requested information on 7 Different Fraudulent inquires on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several accounts that are reporting incorrect status information. I was never late on my XXXX - 30 days in 2019 on XXXX, Experian, and XXXX. 

I was never 30 or 60 days late with XXXX XXXX on XXXX and Experian. 

There are unauthorized inquiries reporting on my credit report : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE

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 2019-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2019 the bank transfer money from my personal account to my business and the amount of XXXX to cover overdraft fees from a claim that they are denied. And the representative said they was unable to transfer the money back On XX/XX/2019 I me transfer some money the amount of XXXX from my personal account to my business account. 
Accidentally I called the bank and spoke with one of the representative and they said the was unable to return the money. Also on XX/XX/2019 the amount 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 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Applied for a CareCredit card for a medical procedure. On their website it states you have two options to pay. 0 % at different terms like 6 month, 12 month, 24 month, etc or 24 months offer with a 14.90 % APR, a 36 months offer with a 15.90 % APR or a 48 months offer with a 16.90 % APR. Purchases of {$2500.00} or more may be eligible for a 60 months offer with a 17.90 % APR. When I called to select 0 % for 24 month period they said they have nothing to do with setting the terms the doctor office does. The information on the rates is buried in the disclosure information at the bottom of the page and does not appropriately explain that you need to contact the doctor or what ever medical institution you are doing business with to see what terms you will be offered. 
Therefore ; because I did not understand this and the way it is explained on their website they are not transparent in how the rate will be determined and that you should check with the medical entity to understand what rate you will be charged. To me I find this to be bate and switch as to what they are offering. Had I known upfront and understood that I would be stuck with interest rates of something between 15.9 % to 17.90 % I would have made other arrangements for payment at a lower rate through a different financial institution. This needs to be made clear on their website that the doctor 's office determines the rate. Also, the call center you call into is offshore so you can barely understand what they are saying and the client service was horrible. Please visit the following page to see how the rate terms are explained : https : //www.carecredit.com/howcarecreditworks/prospective/

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 2019-12-04 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have 12 payments recorded 30 days late. However I received an extension for a few of them and paid less than 30 days late for a few others. XX/XX/XXXX I made a payment XX/XX/XXXX and another payment and another on XX/XX/XXXX I also received an extension for XX/XX/XXXX. I have XX/XX/XXXX recorded 30 days late and I made a payment XX/XX/XXXX for this. My payment for XX/XX/XXXX was marked 30 days late as well and I made a payment for XXXX on XX/XX/XXXX. For XXXX and XXXX of XXXX I was given an extension to be added at the end of my loan however they still reported 30 days late. XX/XX/XXXX was also reported 30 days late which I made a payment on XX/XX/XXXX for XXXX. XXXX was reported 30 days late a payment was made XX/XX/XXXX. XX/XX/XXXX I missed a payment without realizing and called and spoke the them on their recorded line where they told me it wouldnt be reported since I made the payment. From XXXXXXXX XXXX XXXXXXXX  they recorded 30 day late payments. I know my payments havent been on time but they havent been 30 days late. I got the loan when I was younger and made a few mistakes paying a few days late I now understand credit and am working hard to fix it. This is hindering me from getting an apartment and overall has made my life more stressful. I appreciate the time and concern you guys are taking to look into this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: LA

Complaint narrative:
I have disputed accounts listed on my credit report with Equifax. I have sent certified letters for tracking purposes. I sent a letter in dispute of listed accounts of XXXX, XXXX XXXX XXXX, and XXXX XXXX. I had requested verifiable proof that I owe these debts to these companies ; I requested copies of the original consumer contract with my signature on these contracts showing that I owe these companies these debts. I have asked for first and last names of the end users at Equifax that have been working my file. I have provided sections of the FCRA proving I am entitled to all the information that I have requested. Equifax has failed to supply any of my requests. On XX/XX/XXXX, I sent a certified letter to Equifax ( XXXX ) and as of XX/XX/XXXX, they have not responded. I sent a follow up letter on XX/XX/XXXX XXXX XXXX ) stating they must remove all accounts that have been disputed due to a non response within 30 days of the dispute. Equifax still has not responded. I am demanding these derogatory accounts be removed immediately due to continuous, multiple violations. 

Who performed the independent investigation? How did they come to the conclusion that the debt is valid? Explain exact methods and how the " reasonable investigation '' was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: NJ

Complaint narrative:
Okay Experian billed me for a trial product that I could not cancel on line or o er tge phone. They make it difficult. Finally got through cancelled asked for refund. They would not refund after explaining I couldn't get through a d I said I would file a complaint for refund they agreed to cancel paid membership and gra t refund. In the interim my score was XXXX and in retaliation they removed a free product called Experian boost a d it decreased my score to XXXX. I had already had the free service Experian boost prior to the trial membership. Then when I tried to re boost the removed my bank so that I can't re oist. What company does this ut is a big disadvantage that these company can control our lives. I need my boost back tgetook 28 points and tears not even the points I received from the boost so they took additional points that had nothing to do with boists.

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 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
hello id like to resolve an ongoing matter that needs to be resolved finally. 
I have had an account in the past with XXXX and had a stellar payment history never missed a payment and always made them well ahead on time never any issues. Apparently I was informed there was a time in which I had updated my financial institutions on there website where payments were automatically taken and there was a system glitch which kept attempting to withdraw funds from a bank account I had recently closed and this caused for a late payment to reflect on my credit bureau as this is showing false and misleading information as I have never purposely made a payment late. I was advised they would look into this matter and update the credit bureau but I've never heard back and this still is reflecting negative and need to be cleared up and removed as I have never been late.

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