vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I was offered a refinance option ( XXXX  ) through my current lender, XXXX XXXX XXXX, and was in contact with a loan XXXX working with the company for the process. Im currently residing in XXXX, XXXX, but have family living in my home in XXXX XXXX, Maryland. 

Initially, I went through the whole process of digitally signing documents and obtaining the requested documents by getting a power of attorney for my mother to be the designated signee through the XXXX XXXX of which took time, money and other logistics on my part to get done so we could close for the refinance. During this time, my mortgage payments changed due to a shortage on the escrow in XXXX of XXXX, and since the account was being deducted automatically, the change had to be made via the bank and I reached out to the company to make payments via the phone but they couldnt take the payments. Further, the money owed was part because they didnt receive the full payment, but the main mortgage principle that we were paying for XXXX years was still being deducted. That sum was a total of {$1700.00}. The late fee was also charged and paid thereafter. After the change that increased my mortgage payments to {$1800.00} was made in XXXX, they received my power of attorney that I obtained from the U.S. consulate in XXXX, XXXX XXXX, they decided to deny my refinancing option under the basis of missing one late payment. I wanted to talk to someone in the department regarding this but was not met with my requests. I really feel that this whole situation couldve been handled better and fairly treated under the circumstances I was in. I would like to complain about this with hopes of receiving a fair shot, since we were doing our due diligence for 4 years making payments on timeeven in the mist of the pandemic we were puntual with our mortgage 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 2022-03-22 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: MD

Complaint narrative:
XXXX is incorrectly showing my last payment was on XX/XX/XXXX. I reached out to Experian to dispute this. My payment history clearly shows that my last payment was on XX/XX/XXXX. That means that the trade line should be falling off my credit this year. I provided the account history record to Experian. They did not change the information. They claim to see what I sent and are only offering for me to send it again even though they have it already. They want me to make another dispute with the exact same information. 

XXXX is under investigation right and left for their handling of student loans. I provided information directly from XXXX 's site. The XX/XX/XXXX is clearly a date they randomly made up in my account- another sign of what kind of company they are! 

We all know XXXX is a bad actor. But their bad actions are continued by the help of the credit bureueas. One credit bureau correctly removed the tradeline several years ago due to XXXX 's inability to dispute my debt. The other two have not. And now, they are falsely reporting on my debt.

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
This company is trying to collect a debt for {$1400.00} clearly the lease amount as shown in the screen shots was for XXXX and XXXX dollars which does not add up to the amount there were payments that add up to the amount of the lease agreements they have been reporting a fraudulent amount owed. Im asking for this company to delete all accounts thats being reported on experience and XXXX forever honor the paid amounts shown

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Nationwide Recovery cals my cell phone MULTIPLE times a day. Each time they call I explain that I am not able to pay the debt right now, and ask them to please stop calling as they are interrupting my day at work or with family, and causing me undue stress. They are relentless. They literally call me close to 10 times a day, every day, including weekends. This has been going on steady for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Person filed an application for XXXX Rewards credit card with Comenity Capital Bank using my name and SS number or alternate number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have deposit check on mobile deposit on XX/XX/2022 {$1000.00} dollars on mine Citibank account. 
I am still have {$5.00} on account with mine owe money available. 
Now on date XX/XX/2022 mine account is Overdrawn - {$1000.00} That is not right by the law of bank rules book. 
On working date they have to clear the check not hole mine check to the XX/XX/2022 to be clear. 
That is every wrongful by the law of the bank to do that to customer. 
Please please please need helping to fix the Citibank law

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 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXX XXXX paid me the sum of {$1700.00} ( being the proceeds of the sale of my website ) on XX/XX/2022. It landed in Wells Fargo on the XXXX of XX/XX/2022. The payment was from the XXXX XXXX XXXX XXXX and Wells Fargo is the intermediate bank since I used XXXX banking details. The XXXX account I used, as I'd later learn, can receive funds from the US only, which means the fund at Wells Fargo will be returned. It was the case on XX/XX/2022, when the sender ( XXXX XXXX ) informed me that Wells Fargo had contacted their bank about fund reversal. Since then, however, the sending bank XXXX XXXX XXXX  XXXX XXXX XXXX has been trying to reach Wells Fargo but they aren't returning communication. I got in touch with their support on XXXX but they won't even listen to me unless I visit one of their branches in the US ( I'm not based in the US ).

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC
State: AZ

Complaint narrative:
A debt collect from SCRSOLUTIONS has repeatedly emailed me about an alledge debt of {$5200.00} owed from a car being towed and stored in XXXX. I was not the vehicle owner in XXXX. I sold the vehicle in XXXX. 
I've went to XXXX in Arizona several times trying to obtain vehicle history information but they wouldn't share the vehicle history with me. The debt collectot sent me a document that stated that I was the tittle holder from XXXX to XXXX yet they are still stating that I am considered the legal owner in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am in the process of purchasing a home and this involves banks and mortgage lenders looking at my credit reports. I noticed a discrepancy between my Experian credit scorXXXX of XXXX versus those of XXXX of XXXX and XXXX of XXXX which were obtained on XX/XX/2022, in the attached report. 

I attempted to call Experian several times, but I only was met with voice recordings and was unable to reach a live representative. I also attempted to file a dispute on your website but when I attempted to do so, it requires me to identify a specific part of my credit report to dispute and upon review, there doesn't seem to be any delinquency, but this doesn't explain why then my credit score is XXXX. I attempted to file a dispute by sending a general email to Experian but was given a non-meaningful form response asking me to " start a new dispute online. '' The customer service by Experian from my perspective is poor and has a lot to be desired for. I should be able to easily either reach a live representative or submit this dispute online. 

I am requesting for an investigation for what may explain my credit score of XXXX, an inquiry of possible errors, and to have this resolved as soon as possible. I request for a written response and for a representative to call me at my phone number above.

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: PA

Complaint narrative:
This company is trying to collect a debt for {$1400.00} clearly the lease amount as shown in the screen shots was for XXXX and XXXX dollars which does not add up to the amount there were payments that add up to the amount of the lease agreements they have been reporting a fraudulent amount owed. Im asking for this company to delete all accounts thats being reported on experience and XXXX forever honor the paid amounts shown

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
My deceased husband had a car loan with Ally auto loans. I called them in XXXX of XXXX told them I wasn't on the loan but my husband who was had died. They hung up on me. So I faxed over a death certificate and told them where the vehicle was located and to please come pick it up. This was XX/XX/XXXX. I never heard from Ally. I tried several times to contact them and they would not speak to me. The vehicle sat in my driveway and I had to pay personal property taxes on it and full coverage insurance until my husband received a letter the end of XX/XX/XXXX stating they had written the vehicle off and he owed them {$32000.00} ( Approx ) They had continued to add finance charges to a dead person 's bill and refused to pick up the vehicle. I want $ XXXX storage fees from them for the 485 days the vehicle was left on my property. Total Ally owes me is {$14000.00}. They have the vehicle as they repossessed it on XX/XX/XXXX. My name was never on the loan. They never had any correspondence and refused to speak to me every time I called them. They NEVER sent a letter in XXXX 's name until the end of XX/XX/XXXX. This company is a scam. Stay far away from them. There was no money to pay off the loan. My husband owned nothing and had huge medical bills and no life insurance. And now this company has ripped me off.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am unsure of the date I first received a Chase Sapphire XXXX credit card in the mail. I did not apply for this card. I did not activate the card. I later received a statement with a {$95.00} membership fee as the balance due. I called and spoke to two individuals who transferred me to the same department citing that the department was large. The automated phone system asked for my social security number as did one of the individuals. I declined to provide my social security number. I pressed the issue of my not requesting nor applying for a card. I was finally told they would cancel the card and I will receive a letter. I did receive the letter, however, I am dissatisfied with the fact that I would like to see the application that was obviously fraudulent. My credit report also shows an inquiry. I am very dissatisfied about that fact. I don't trust the letter, or anything associated with this incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I made my {$40.00} credit card payment on the second of this month. I have evidence to show it came out of my bank account. I get a email saying my card is behind on payment today and my new balance is up from {$260.00} to {$400.00} just because of late fees and service fees. This is twice they have hit my with late fees when I always pay my bill on time. I have screenshot proof that this was an error and they are unwilling to change their mistake. It's the Milestone credit card. I did close the card account but I still want to just pay my bill and be done!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
While looking at my XXXX report I saw that there were 10 addresses to XXXX Ohio. I have owned my home in XXXX Ohio since XX/XX/1993, I called to get it taken care of and XXXX told me there Is a WFDillards credit card account linked to this address against me. I told them it is not mine that I have never lived there and that they can look to see I put a fraud alert on my account. I cant get any help with resolving this issue. Where do I go from here?

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Your selection does not adequately describe my problem. The credit bureau according to XXXX stated that I was no longer living. THIS IS SERIOUS< AS YOU SEE I AM STILL LIVING. I tried contacting XXXX XXXX  who explained they could do nothing as they received information from Experian. And of course Experian denied sending them the information. 
I have written to both agencies only to receive radio silence. My credit took a hit for a hard pull by XXXX. 
I am hoping you can help.

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
sine and wiener placed an illegal collection on my credit reports that I do not owe. Ive never done any business with this company nor has the company provided any proof I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Edward F Bukaty III
State: LA

Complaint narrative:
I requested everything on my file and audit trail XX/XX/XXXX from Edward Bukaty III Law Firm. I only received a paper with amounts on it. Was told it was public record on XX/XX/XXXX to look at it there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Chime Financial Inc
State: CA

Complaint narrative:
My card was lost/stolen on the evening of XX/XX/2022. There were XXXX charges that I did not authorize at a bar/lounge/restaurant called XXXX XXXX  XXXX XXXX  for XXXX and some other place called XXXX XXXX for {$20.00}. When I became aware of the charges the next day on XX/XX/XXXX, I reached out via a chat in the banking application to dispute the charges and replace my debit card. I was informed because they were pending charges that I could not file a dispute until they were finalized. The next day on XX/XX/XXXX, I saw that they had become finalized and completely overdrew my account. I reached out and filed a billing dispute via the company ( Chime ) application. On XX/XX/XXXX, I was notified that my dispute was was denied, but I was provided no reason as to why. 12 days later ( today ) I have still not been notified nor have i recieved a response from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My autopay was turned off for my Capital One credit cards without my authorization. This caused my credit score to drop XXXX points. My XXXX score was XXXX and I always ensure I pay my cards off diligently and have auto pay set up. The payment was only for {$36.00}, including the late fees. I was never notified by email by Capital One that my payments were late or that automatic payments were turned off. I have paid Capital One the account balance as well as the late fees that I should not have received, and have re-set up autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
he following orders were fraudulently placed on my account. 

Order number : XXXX Order number : XXXX Order number : XXXX Order number : XXXX Order number : XXXX While searching for another order this past summer, I stumbled upon an order for a XXXX XXXX that had been placed on my account, but with someone else 's credit card. The order had not yet shipped, so I canceled the order, changed my password and activated two-factor authentication. After keeping a close eye on my account for a few weeks, I didn't see any further orders, so I figured my actions secured my account. 

However, last month I noticed additional fraudulent orders for a number of XXXX XXXX. As you can see from the orders, they shipped to a commercial establishment in Delaware. When researching the company they shipped to, I found online reviews where other XXXX customers experienced the same fraud and had items shipped to this company in Delaware. Whoever placed the orders, must have immediately moved them into my " archived orders '', which prevented me from seeing them sooner. 

I'm still unsure how they were able to bypass the two-factor authentication that is on my account. XXXX odd thing I did notice is that a credit card was built into my account for an individual named XXXX XXXX. Even more odd, after doing a few searches online, it seems that XXXX XXXX is an engineer for XXXX. Could be a coincidence, but it seems odd. 

I've been a loyal customer with XXXX for over 20 years on this account, so I'm clearly not candidate to be running some sort of fraud scheme using this account. 

When I contacted Chase, they did 3 investigations and concluded one of the above transactions was fraud and the rest were valid. This makes absolutely no sense, since the transactions all entailed the same details. Through the course of 3 investigations, Chase never contacted me once to obtain my side of the story, nor have they provided many any documentation or evidence into their findings.

Company response to consumer: Closed with explanation