vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I closed my mortgage with XXXX XXXX XXXX XXXX. My loan was bought by Lakeview Loan Servicing shortly after. I paid {$950.00} at closing for 3 months worth of property taxes that would be due for 2018 when I closed on the house in XX/XX/2018. The {$950.00} was instead sent to my escrow account and not to the property 's tax account. I received a notification of delinquent taxes from my county and addressed it with my loan servicing company. They took the money due out of my escrow account in the amount of {$720.00}. They subsequently increased my monthly payment by {$61.00} every month to account for the {$720.00} paid for 2018. 

I have been paying {$310.00} in escrow payments every month to account for year end property taxes. The {$720.00} that was due for delinquent taxes should have been covered by the {$950.00} that was put into my escrow account instead of my tax account at closing. That leaves a {$230.00} surplus on top of the {$310.00} I have been paying every month since I closed on the house. 

Somehow, the mortgage company seems to think I owe that {$720.00} to them now. I do not understand how a surplus of {$950.00} on top of monthly escrow payments minus a {$720.00} paid in delinquent taxes puts my escrow account in a deficit. I have addressed this issue with the company on four different occasions and have been told different answers each time. Between the original mortgage company that processes my load and the loan servicing company that bought the loan, the {$950.00} was not accounted for properly and I am being held accountable for their mistakes.

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 2019-08-29 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: UT

Complaint narrative:
I have multiple Inquiries that were not made by me.

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 2019-08-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My newly issued credit card from Best Buy/Citibank Visa was intercepted in the mail before reaching me. It was used to charge approximately {$1600.00} in merchandise. I was informed that the card was pre-activated when it was issued and mailed out. This should not be a practice of any responsible company, as it is practically asking for fraud to occur at the expense of not only the creditor, but the consumer who has to suffer consequences because of this unsecured practice. I am reporting this because I want to take every possible step to protect my credit which I have worked diligently to repair. This breach, albeit temporary as explained to me by the credit card company, has damaged my credit. I would also like an investigation into my local post office, because within this month, another newly issued credit card from XXXX XXXX was also intercepted in the mail. Fortunately, that card was not pre-activated as in the case with the Best Buy card and I was alerted to the fraud and issued a new card immediately. Thank you for your time and attention.

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 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
I had a debt with XXXX. They close this debt in 2017. I haven't had any type of communication or notices about this debt until all of a sudden my wages had been garnished by Jacob Law Group based in XXXX Mississippi. They were very rude and unprofessional. I called to talk to them and they had very foul attitudes. They got snappy with me for asking questions. Even abruptly hanging up on me. I called back to complain about how I was treated during that call, again the same thing, foul attitude and abruptly hung up from me. I wanted to know which court they filed their claim with and why I was not notified about this beforehand. I had no idea what happened with my money until I looked at my pay stub deductions. There is where I saw the name Jacob Law Group. I XXXX this business to get a number to contact them which only delivered snappy remarks. I still have no idea where this was all done nor why I have nothing in writing on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.

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 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
If I am 2 or 3 days late on my loan repayment. This company calls every hour on the hour for the entire day. I have only been late three or four times ever but when it happens the harassing phone calls are continuous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: NC

Complaint narrative:
All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX report, XXXX report, and Experian report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my XXXX and experian reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.

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 2019-08-29 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: NC

Complaint narrative:
All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX report, Transunion report, and XXXX report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.

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 2019-08-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my Equifax report, XXXX report, and XXXX report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my equifax and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
I sent a certified mail return receipt the company failed to insert a date on the returned receipt and also failed to complete the credit disclosure showing the date the debt was charged off. I asked if the debt was assigned or purchased from a previous creditor and if so how much was paid for the assignment or purchase. I also requested so see the terms of the assignment. To date the collector has failed to provide this information. They have yet to validate the debt according to the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: KY

Complaint narrative:
In XX/XX/2019, I sent a certified letter to the credit agency. In the certified letter i asked for the three collections  that are medical bills and posing a negative impact on my credit to be validated by their company. This collection agency has had ample amount of time to respond in a timely manner and haven't do so yet. I received the certified part back signed but no information as far as paperwork of signed documents.

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 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Numerous complaints have been made against Wells Fargo pertaining to accounts opened as a result of high pressure sales tactics by Wells Fargo reps, specifically fees charges to these accounts which mainly include overdrafts. Complaints were not resolved, small remedy amounts were provided including {$50.00} and {$120.00} which do not cover total fees. Wells Fargo repeatedly provides an offer of mediation, a packet in re has been sent to me a total of four of five times, three were filled out and returned, the last one was sent on XX/XX/27. Recently, I was contacted by an XXXX XXXX with a settlement offer, however, nothing was received in re and I am now back to requesting remaining fees which total {$610.00} and have been denied. Wells Fargo insists on continually mailing me statement copies which I already have and thus, arrived at the total of {$610.00} charged in overdraft fees, I included prior refund amounts and this total reflects those. Any mailings from Wells Fargo, unless it is a check for remaining fees, will be refused as they have been, the most recent packet was marked refused. Failing to refund these fees, information has been provided to attorney XXXX XXXX of the XXXX XXXX XXXX whom is investigating several banks and credit unions including Wells Fargo for their system of charging overdraft fees. Regardless of what their account agreement states, Wells Fargo engages in questionable practices, otherwise, they would not be under investigation. In closing, Wells Fargo did agree by offer of settlement, to refund me these fees. I will not divulge the amount of settlement, however, I will say it is much more than the amount of request. As stated before, no payment was received from this settlement and I will not keep calling and emailing their rep, XXXX XXXX in re. However, I will keep filing complaints until I get what is owed to me which is the amount of {$610.00}. If Wells Fargo keeps denying my request, the attorney will recover some if not all via litigation.

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 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I sent Barclay 's Bank a payment of {$4000.00} with 4 money orders in the amount of {$1000.00} each. They processed 3 of the 4 payments which equals {$3000.00}. {$1000.00} of it is MISSING? I was asked by the 1st Barclays rep to contact the United States Postal Service and get copies of the front and back of each money order which I did for a fee. 

ALL 4 money orders have been cashed by Barclays Bank via XXXX XXXX XXXX   acct # XXXX. Barclay bank has my money and hasn't credited my account. 

This is bad business on Barclays. I have not only did my part by making my payments, but also have proven being reasonable doubt that I made the payments and that Barclay has cashed them and deposited into there XXXX XXXX Account I asked if by faxing them the copies of the cashed checks could the expedite my claim and they said NO. If we were talking about {$100.00}, okay lets wait 25 days, BUT were not. Its {$1000.00} that isn't being credited to my credit-card and i'm being charged interest on it. {$1000.00} is Grand Thief and as far as I'm concerned they stole my money. What financial institute doesn't reconcile daily? I work for a financial institute and were required to balance each day and have resolution.

I want to file a Grand Thief complaint.

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 2019-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capstone Credit & Collection, LLC.
State: NC

Complaint narrative:
Capstone Credit collections LLC at this point i would like to SUBPOENA XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to court to talk with him in person and handle my alleged debt that's 1year an 8 months away from being deleted from the credit reports CAPSTONES IS VIOLATING THE LAW by holding me back from my future goals for my family and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Check Fraud Services
State: NY

Complaint narrative:
Welfare issues me rent checks to pay my rent but someone stole the rent checks out of my landlord 's mailbox now I have a idea of who the person is that stole the checks but welfare informed me that 3 of my rent checks where cashed the rent checks are in my landlord 's name but my landlord say they never got them and the never cashed them so I dont know what to do iam on the verge of being kicked out on the three plus iam three month back in rent because the checks where stoleing

Company response to consumer: Untimely response
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc.
State: AZ

Complaint narrative:
I contacted associated credit service to try to resolve an outstanding balance of {$350.00} when speaking to agent and explaining if they received my insurance coverage letter that i faxed in agent was very rude to and said that they do not care if i faxed any information or not that it is not their fault that i owe this amount and that i should pay asap. while explaining again about my insurance coverage that they initially requested agent said he does not care and that i should contact my insurance or the people i owe money to so i would not be in these situations. i asked to speak to a supervisor agent refused by saying he is a supervisor and can not transfer me to any other person when i threatened to report him to consumer finance agent immediately transferred me to someone else but before he did he said it is my responsibility to pay not to blame someone else name mercado or mercada. Agent as well kept cutting me off when trying to explain.agent i spoke to said he does not know how other agencies handle things but his agency has a different approach at collecting a debt. i feel threaten now specially that they know my address and personal information. and by the way they responded i feel they might use this information misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I contacted Experian at XXXX XXXX MST to unfreeze my credit. The last time I checked with my bank, at XXXX XXXX XXXX, they still could not run my credit report. 
I called XXXX several times but all I got was automated system. The automated system said my credit report was unfrozen. However, my bank was still unable to run a report. 
I contacted two other numbers listed for corporate offices 1 ) XXXX this resulted in same automated system which never gives option to talk to customer service 2 ) XXXX this resulted in press 1 for automated ; press 2 to speak to customer service. However, when I chose 2, I was automatically connected to automated service again. 
I dont believe it should take more than one hour to be able to run credit report after unfreezing it. 
I would have unfrozen XXXX but my bank only uses Experian.

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 2019-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have several variable student loans with Discover which are supposed to follow the PRIME rate index. Every time the PRIME rate had an increase, Discover updated my monthly payment immediately. However, this time the PRIME rate decreased from 5.50 % to 5.25 % on XX/XX/2019 and Discover has not updated my overall interest rate and it is still charging me with the 5.50 % old PRIME rate.

Company response to consumer: Closed with explanation