vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I was with another company back in XXXX 2021 and Lakeview refused to send my pay-off for months so I could close my loan. When they finally sent it my loan lock was no longer valid and they stated I must start over with a higher rate and more money to close my loan. They send me a pay-off in XXXX and back dated it to XXXX claiming it was sent when I never received it and continue to contact them. 

Then Lakeview sent me a notice that they would do my refinance and I completed the application for them to do it at the reduce rate. I elected to select my own attorney on my disclosures. I understand there was a delay because the other loan officer left the company and it took a week to get my case number transferred. Than XXXX XXXX from Lakeview gave the wrong information and my case was transferred somewhere else for a timely close. Than it took them a week to transfer an case number that was internal to their company " LAKEVIEW '' for my file to be sent to underwriting when it takes 5 minutes to go to FHA connection to get the case number properly assigned.

I applied for a loan with Lakeview Loan Servicing in XX/XX/2021 and they pushed me around and never did my application until XX/XX/2021. They have transferred my loan to XXXX different loan Officers and XXXX different processor. Each time I keep getting a different story about the status of my loan. This is a simply FHA steam line refinance without income or appraisal. I asked them to lock my loan at the 2.875 % and because of their delays they are going to try and make an attempt to make me pay for lock extension. 

Now, the PROCESSOR not the underwriter is refusing to submit my loan to underwriting claiming it's a requirement that I pay my XX/XX/2021 payment or they will not submit my loan. THAT IS NOT A REQUIREMENT OF FHA PERIOD! I am a XXXX female and they have continually discriminated against me and violated my rights. I selected that I wanted my own closing attorney on my application and the processing company Lakeview used decided to that they would put my loan with a sister title company that they have relationship which violated my rights as a consumers to pick my own closing attorney. NOW, they continue to violate my rights and refuse to send my file to underwriting. My loan is not 30 days delinquent and when I pay that payment is none of their business as long as I'm not 30 days delinquent and It is not a requirement to refuse to send my file to underwriting. Because I told them they violated my rights to pick my own attorney, they have been doing every thing that they can to Sabotage my mortgage loan refinance.

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 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
My loan on my car is reporting as closed, charged off. I called Santander Consumer & they just told me to continue making my payments but it will still show as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: CA

Complaint narrative:
I've contacted Equifax XXXXXXXX and XXXX I was able to dispute everything that needed to be disputed on my credit file with XXXX and XXXX however Equifax gave me a hard time and told me I would be unable to dispute so I am filling the complaint with you guys in regards to this matter there has been fraudulent activity on my credit file and it needs to be removed There is over 50 inquiries on my credit file accounts opened that I never opened nor have any knowledge of and accounts that should have been removed due to the pandemic that have not been

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank has a feature that is supposed to alert you via text, email and/or push notification if your balance drops below a certain dollar amount or if overdraft your account. This is, in theory, a good feature. In practice, Chase routinely fails to send these notifications. Other times, they send them after they've collected any overdraft fees. On multiple occassions between XX/XX/XXXX I have had balances dip below a certain threshold and not receive any notifications on two different accounts. In one instance, a notification came after they charged for multiple overdrafts, that were processed after the cutoff time for new deposits.

This is not by any means a new problem, I have been dealing with this issue since at least 2019. After multiple lengthy exchanges with customer service representatives I have gotten some of these fees refunded. Other times they have steadfastly refused.

In my experience, it appears Chase is deliberately withholding or delaying notifications from customers in order to extract fees from their customers. I, as a customer, have tried to alert them to this problem on multiple occasions, but they have yet to correct it.

This is a service Chase markets and advises its customers to sign up for to avoid overdraft fees, but they are not actually sending out these notifications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
Last year in XXXX I reviewed my credit report, & saw a charged-off account with XXXX XXXX. I do not particularly remember this account. I have tried on numerous occasion to verify & validate that the information reported is in fact mine. 1 year of constant letters to Transunion & XXXX XXXX with no response, resolution or a explanation. Transunion & XXXX XXXX never put my account as in a dispute status, which tells me they just threw my correspondence in the trash, didn't even care to answer my legal rights. This is the last place I am reaching out before I get a lawyer involved to help me. To this day the account is reporting as open since XXXX, I dont even know what it is for.

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 2021-08-20 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: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have this account that is not mine and i want it to be removed from my credit asap. 

1. Identity Theft REGIONS BK/XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-20 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/, my friend who was buying a car ask me to accompany her XXXX XXXX XXXX in XXXX, Nj. Once we get there and socialize and talking car dealers sales man says since I live in NJ my friend would get a cheaper car insurance rate if she uses my address, and I agree to use my address. A couple of weeks later after she buys her car, next thing we know the know the car titles and everything in a my name. I do not know how to drive and DO NOT have a driving license. I DID NOT agree to putting my name on her car loan. I was NEVER aware I was a co-signer until after we left the car dealership. When we called the dealership they stated there was nothing they could. I haven got student loan that I am working to sort through and we unemployed at the thing and receiving unemployment and would NEVER exhaust my credit history like that. I really DO NOT know what did this happen, and did not authorize this loan.

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX Email XXXX Cell # XXXX To whom it may concern I am writing this letter to complaint about a closed account with Discover Credit Card Company. 

This account was open XX/XX/XXXX with the account of {$7000.00} and it's now at {$6700.00} I was making all my payments until I had some financial difficulties in XXXX I Consolidate all my debts into one except Discover because they had already file a claim in court, By this time I lose my apartment and job, in XXXX I started to work and still couldn't afford to make any payments. In XXXX the company took me to court and I was ordered/settle to make monthly payments, and I did so but once again the XXXX of XX/XX/XXXX I lost my job again so I failed to make payments, I haven't able to work/get a job because COVID19 arrived soon after with that said a couple months ago I reach out to Discover about my account and was told I could not access my account because a 3rd party was involved which was not true. The Customer Representative mentioned to me they will get in contact with the 3rd party and get back to me, which they never did and even recommended that I do so as well. I called Century Debt Solution to confirm this information and the information that was provided to me by Century customer service my Discover Credit Card account was never applied to my Debt Consolidation, I don't understand why I am getting the run around on this account/issue I would like for someone to reach out to me please I am trying to resolve this issue on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021. I received a call from an Amerisave LO ( loan originator ). Informing me of my great chances of getting an approval refinancing my home. Yes, I was looking to refinance. He promised me the moon and beyond. I explained to him that I was rejected before by another institution, because my DTI was around 49 % to 50 %. I know that was my mistake. But I stated that we payed all our debts on XX/XX/XXXX and we lower our DTI to around 35 %. We payed over $ XXXX, so we can be in compliance and don't repeat the same mistake again. Imagine having DTI 35 % and LTV of 36 %. Plus a household income of {$3900.00} monthly. Of course that LO from Amerisave is going o promise me the moon. Even though having all that excellent info. Amerisave and all their LO have their unique internal policy of charging {$500.00} in advance on the first call. When he said that I won't have any problem at all getting my refinance done. So I accepted. Big mistake. Those LO salesmen, they don't care about you neither Amerisave. They just want their commission and stay on commission-based payroll. After one whole month without hearing from them, calling and emailing, they finally answered. Asking me " Im looking at your application now..In the income section its only showing {$1.00} monthly incomeIs this correct? " ... WHAT? ... that's not what I said, I said {$3700.00} and the paystubs proves it. So in other words somebody screw-up. After another month of pointing fingers. Now they telling me : because we stop working for furlough in Florida during the pandemic between XXXX. they can't continue the application. Under XXXX XXXX Guidance, there are exception to that, when the applicant is been working for at least 6 month and continue working by the time you apply. So what's the problem now? It's been a year since that furlough, making an average of {$3900.00}. But no, they just decided to throw away my application and keep the {$500.00} in advance. So what's the business here? living of commission or getting things done and get new customers? I spoke with many people in their Institution, but nobody cares. They just don't answer my emails anymore. But suddenly I received yesterday XX/XX/XXXX another email inviting me to apply again with them. Are they in some kind of medication or what? 
I want my {$500.00} now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX ( XX/XX/XXXX ) SS ( XXXX ) I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. # XXXX account is reporting 90 DAYS LATE on XX/XX/XXXX, XXXX, XX/XX/XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with my company. I was told that my account would be fine and no late payments would be removed due to the Pandemic ( COVID-19 ). My previous payment history and current since has been stellar. I have inaccurate reporting the month of XX/XX/XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2021, I submitted a payment to XXXX XXXX XXXX for {$300.00}. The first payment was submitted at XXXX.The next morning I checked my account the payment didn't reflect so I submitted another payment. Once XXXX XXXX open I called and asked if they could if my account reflected 2 payments, the representative stated yes. I asked if they could reverse the 2nd {$300.00}? I was told " no '' because it was already processed. XXXX XXXX stated I needed to speak with my bank. I called NetSpend, ( XXXX ), was told I needed to open a dispute. I sent all the rquired inforamtion requested by Netspend. XXXX XXXX refunded the funds back on XX/XX/XXXX. The Pulse network system received the funds on XX/XX/XXXX and refunded the money to Netspend ( XXXX ) on XX/XX/XXXX. Tried reaching out to ( XXXX ) home office left a few messages seeking help. I have spoken to several rude customer service representatives. Spoke with a supervisor on XX/XX/XXXX by the name of XXXX who hung up on me. With the dispute they are making me wait until XX/XX/XXXX and they may give me a provisional credit.

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 2021-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2014 an account on Chime was opened without my knowledge or permission. This account is 100 % fraud. 

I tried calling several times to cancel the account but can never get through to a representative. I emailed several times and received very unhelpful responses. The last response they asked me to email them a copy of my g we meant ID. After they allowed a fraudulent account to be opened, there is zero chance I giving them PII. 

There unwillingness to take swift action even after being made aware of the fraud is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc.
State: OK

Complaint narrative:
For the second time this week I have received a Visa Debit card that was fraudulently opened in my name. The first was from XXXX, I managed to get that account closed. The second one is a Cash APP on XX/XX/2021 this card from is Square Inc and also is fraudulent but there is no way to contact them to shut this it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Ordered a product online in XX/XX/2021 from XXXX, XXXX XXXX, NY. I never received the item and since it's been so long, I forgot what I ordered and never received a confirmation for the order. In XX/XX/XXXX ) Citi sent XXXX a copy of the dispute and asked to their explanation. The explanation that was sent back, had absolutely nothing to do with the item I bought. 
Now, Citi is asking for documentation on my purchase which I do not have nor do I have a record of what I ordered. I was never sent a confirmation on my purchase. 

Credit Card ending in 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 monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Generated a account for me without my permission or court order jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
For 2.5 months I have been trying to get Ally Bank to report my account as paid in full. I paid my loan off early and have never missed a payment. They are still showing the account owes $ XXXX on credit bureau reports. The bank has refused to do anything about this.

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 2021-08-20 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: CITIZENS FINANCIAL GROUP, INC.
State: OR

Complaint narrative:
I received a statement in late XXXX from Citizens One Bank requesting payment on a balance of {$830.00} for an XXXX All Access purchased as part of a promotion at XXXX. I contacted the bank upon opening the statement to advise that the account they had approved was opened fraudulently. My personal information had been used to open the account and make the purchase. XXXX in Consumer Lending set up case number XXXX. I was able to get delivery information from a XXXX site. The product was shipped to the XXXX XXXX and XXXX in my neighborhood. I contacted the credit reporting agencies to have alerts placed on my credit reports. I filed reports with the Federal Trade Commission XXXX complaint number XXXX ) and with the XXXX Police Department XXXX report number XXXX ). I filed the police report online XX/XX/2021 and met with Officer XXXX XXXX who witnessed my signature and signed the law enforcement report the following day. The law enforcement report was included in the Identity Theft Victim 's Complaint and Affidavit packet faxed to the ID Theft Operations department at Citizens One XX/XX/2021. Collection efforts have continued and derogatory information has been reported. I called the bank and spoke with a collections representative XX/XX/2021 who advised me that collection efforts and past due reporting will continue until the bank 's investigation is resolved and that it may take several months. I called the ID Theft Operations department XX/XX/2021 and left a message per the prompt that stated I would receive a call back within XXXX hours. I didn't hear from the department on the XXXX, so called and left another message on XX/XX/2021. I still have not received a call back. I get the impression from talking with bank representatives that there has been a great deal of fraud reported, and that it is taking time to work through the investigations. At the very least, I would like the bank to clear derogatory information reported to the credit reporting agencies and to stop collection efforts. I have done all from my end that I know to do XXXX this is a 1st time experience for me ). The bank approved an application and purchase without making the effort to contact me when the shipping address was different than the billing address. I was told by a bank representative that my correct phone number was on the application. It would have been so easy to avoid what has already been a very time consuming and worrisome experience.

Company response to consumer: Closed with explanation