vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX, on behalf of LakeView Loan Servicing, paid out {$1700.00} to City of XXXX XXXX for our condos Q4 XX/XX/XXXX taxes. XXXX did not have the correct block/lot/qualifier information so that amount was not paid to correct tax account and did not get applied to our condos tax bill. We immediately contacted them about this error, and in the past fifteen months we have called and emailed the XXXX customer support team multiple times but the issue keeps getting closed in their system with no contact and no resolution. 

When the XX/XX/XXXX tax payment was reported to us by XXXX we called the XXXX   support number to report the mistake as well as to inform them that, as per the mortgage documents, the XX/XX/XXXX taxes were to be paid out of closing costs so the full amount needed to be refunded to our escrow account. We were advised to email their support team with the details so they could correct the block/lot/qualifier information in their system and request the refund. We emailed those details on XX/XX/XXXX and did not hear back. 

We called and emailed a few times in XXXX and early XXXX to ask about status and ensure the tax account information was updated before the XX/XX/XXXX Q1 payment. We were told the case was open and would be resolved before that next tax payment. XX/XX/XXXX Quarter One taxes in the amount of {$1800.00} were paid on XX/XX/XXXX, and were again paid to the wrong tax account. After a couple more phone calls the tax qualifier information was updated in the myLoanCare system, and a refund was requested on XX/XX/XXXX. This was not communicated to us by myLoanCare, we had to contact the City of XXXX XXXX Tax office to find that out. 

In XX/XX/XXXX XXXX XXXX refunded {$1800.00} ( the amount of the XX/XX/XXXX Q1 payment ), but denied the Q4XX/XX/XXXX refund. XXXX 's support team closed the case as a refund was made, but we were not informed until we called back to ask status. We informed them at that time that there was another payment that needed to be refunded and had the case reopened. 

Since then we have contacted XXXX support team over thirty times and are constantly informed that the case has been closed since they received a refund. We have reopened the case each time and are informed the tax department will look into it, only to find the case is again closed with no contact. On multiple calls we have requested they provide us any documentation available about the tax payments and their correspondence with XXXX XXXX requesting a refund so we could ask our real estate lawyer to assist providing proof of overpayment to XXXX XXXX, but it has never been sent to 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 2020-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019 I called XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) to inquire over {$15000.00} of missing funds and what " JV '' meant on my statements. They asked if anyone else was on my account, I replied no it is an individual account. They shared " JV '' means " joint venture '' and if a criminal has your account number and makes a deposit they now have access to your funds. Funds were all transferred to XXXX account or Peoples United Bank dormant account of which I never authorized or have done in my 59 years. No one has returned my calls from the fraud department. 

This information is the smoking gun of numerous previous complaints how funds were diverted from my individual XXXX XXXX  XXXX Credit Card account from XXXX XXXX XXXX to Peoples United Bank. Accessing the XXXX account allowed the criminal to move automatic payments to XXXX  ( XXXX ) XXXX XXXX from XXXX to dormant Peoples account by opening a fake XXXX XXXX web payment page. 

The criminal HOPE credit unions do NOT communicate with Federal Banks such as Peoples. They FOUND the gap of accountability. ALL are accountable to protect consumers. Cyber criminals are smarter than us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NV

Complaint narrative:
XXXX XXXX and midwest recovery systems has put a derogatory mark on my credit report and alleging that I owe XXXX which I have not use this business for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I wanted to cash an EE series bond at this Bank of America location, ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). They informed me that they only cash the bonds if you are a Bank of America customer. I then wanted to open an account so I could deposit the bond. The manager informed me that they would not open an account for me so I could deposit the bond. As far as I know there is no rule about this but the manager insisted and they did not help me. This was on XX/XX/2020.

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 2020-02-22 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have disputed many times. Account had been transferred to another company. MCM was paid with no further obligation. Nothing has been deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I made an on-line purchase using my credit card at Kohls. I never received the items. I reported this to Kohls on XX/XX/XXXX. I also found out that that the shipper Kohls contracted sent the package back to Kohls and I have proof of this. I asked that the order be canceled and my account credited. On XX/XX/XXXX I received a phone call from Kohls about my late payment. I spoke to XXXX ID # XXXX who told me it did not matter whether I received the product, I still had to pay for it! On XX/XX/XXXX I called and spoke to XXXX ID # XXXX and she assured me that this would be taken care of and gave me a reference # XXXX for this. 
On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score had dropped more than 60 points because Kohls reported my account as non-paid. I immediately called Kohls and spoke to XXXX ID # XXXX. She said that my account had been credited for the items I did not received on XX/XX/XXXX. However, I was being charged late fees and interest. Huh? Late fees on a balance I did not owe??? I would like to add that I reported that I did not receive the items ordered before the end of the billing cycle. I do have documents from the shippers that I can provide by mail. I tried to include them here but I was not able to scan and send them successfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV

Complaint narrative:
Cash central and XXXX XXXX XXXX has put a derogatory mark on my credit report and alleging that I owe XXXX which I have not use this business for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Please see the attached letter which I received XX/XX/2020 claiming that I owe XXXX XXXX/XXXX XXXX a debt of {$240.00}, but they will take {$170.00} to call it square. I am denying this demand for payment ( see attached copy the letter ) I do not now, nor have I ever, had an account with XXXX or  XXXX XXXX. Furthermore, it has been sixteen ( 16 ) years since I have had any type of utility in my name. The XXXX XXXX XXXX has been contacted, the Sheriffs Office as well if necessary and a complaint now filed with you. 

How can they get away with this stuff? I will be sending them a certified letter to demand they cease and desist. If they have been trying to call, I've probably already blocked their numbers. This is so frustrating and so bogus ... big sign of SCAM alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have never applied for this companies, I'm not responsible for this inquiries.

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 2020-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
To borrow {$320.00} I have to pay back {$2400.00} with {$97.00} dollars deducted from my bank account every two weeks. This is a predatory loan. The interest is 780 %. Thats XXXX a month I pay back when I only borrowed {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank Of America closed my Credit Card ( which i know is within there rights ) even thought i have perfect payment history for over 7 years never missed payment, with no explanation. Issue is i spoke to BOA today XX/XX/2020 about my Credit Card, asking for about my account, and i was transferred to the collections dept ( XXXX spoke to me as noted on my account ) she informed me i was in collections on a account i am NOT late on, with perfect payment history. i requested a reduction on the payments or interest from BOA as indicated to me they closed my credit card account based on my BAD financial situation as they see it. What BOA is offering is Nothing to help me with my account or terms ( interest/payments ) only to refer my account to a DEBT Consolidation company, and to further RUIN my perfect credit standing, as they did by closing my account with NO Reason. Due to there ( BOA ) actions i have suffered a drop in credit standing and loss of credit rating ( a very severe act and an attack on myself by BOA against a past excellent customer ), speaks volumes about the real BOA and how they DONOT value customers and have worst customer service and attitudes with they customer ( which i am now proud i am NOT one of these and never will be again )

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have never applied for this companies, I'm not responsible for this inquiries.

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have never applied for this companies, I'm not responsible for this inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax will not freeze my credit or allow on-line access to manage my credit ffreeze.

I attempted to set up an Equifax on-line account and Equifax failed to enable the account. I followed the on-line process to have a code mailed to my address. After the code was received and entered the on-line account still did not allow access but said I had to call. After calling Equifax I was told I had to send a letter with a photo copy of ID ( license or passport or ... ) I sent a letter with a photo copy of my passport. Much later I got a letter from Equifax stating that I basically don't exist or maybe I am not a US citizen ( despite the fact I supplied a copy of my US passport ). I do not know how to resolve this issue after spending a lot of time on it already.

Note : I was able to easily freeze my credit on both XXXX  and XXXX  web sites.

I do have significant credit history with multiple credit cards, etc. so Equifax can find my information.

After Equifax 's negligent handling of my most personal information resulting in it being compromised it is amazing that Equifax is seemingly being obstructive in freezing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My information was affect in the date breach. A lot suppious activity is happening on my 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 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a credit card with Citibank that I have had since XX/XX/XXXX. Recently the minimum payment increased significantly. I inquired with Citibank. The representative explained that there were two balance categories on which interest was being charged.

In reviewing several periods worth of statements, it became clear that Citibank was applying my payments to the lower interest rate segment first, maintaining a balance on which over 20 % interest was being charged. This appears to be a violation of the CARD Act of 2009 As can be seen in the attached statements, the balance has not decreased. {$240.00} of payments were made during the period and no new purchases.

{$20.00} in XX/XX/XXXX {$20.00} in XX/XX/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 2020-02-22 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: EQUIFAX, INC.
State: CT

Complaint narrative:
My information was affect in the date breach. A lot suppious activity is happening on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I don't recognize this companies, i never applied for this. I believe that somebody used my personal information and applied for this companies.

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 2020-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: OH

Complaint narrative:
DUE DATE ON LOAN IS WRONG. XX/XX/2020 SHOULD BE ) XX/XX/2020 COMPANY REFUSES TO MAKE CHANGES TOO STOP OVERDRAFT CHARGES NOTIFY COMPANY SEVERAL TIMES TO NO CHANGE EXPLAINED ON FIXED INCOME SOCIAL SECURITY ADMIN CANT AFFORD TO PAY LOAN OFF??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name.

I am a victim of identity theft and did not open this account.

I am a victim of the XXXX  data breach.

State issued ID have been compromised and my social security has been compromised.

My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2020-02-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name.

I am a victim of identity theft and did not open this account.

I am a victim of the Equifax data breach.

State issued ID have been compromised and my social security has been compromised.

My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I don't recognize this companies, i never applied for this. I believe that somebody used my personal information and applied for this companies.

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I don't recognize this companies, i never applied for this. I believe that somebody used my personal information and applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Method of verification On multiple occasions I requested verification from the credit bureaus to which they have responded with verified ( attachments ) .i have now requested for Method of Verification ( attachments ) which I am entitled to according to the FAIR CREDIT REPORTING ACT, paragraph 7 section 611.

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 2020-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
773.69 % interest rate I borrowed XXXX in XXXX XXXX I have to pay back XXXX by XXXX XXXX. XXXX in deducted from my back account every week. To date I have paid back over {$2000.00}. This is a predatory loan. I cant afford to keep paying out another 8 months. When calling and talking to them about deferring a payment they want me to double up the following week. I need to reach a settlement agreement and stop authorization from them taking money out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XXXX XXXX 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