vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
Lakeview Loan Servicing In XXXX, after dealing with them since XXXX, stated that they would not sign a security interest document ( I did not need a partial release ) until one year of payment citing " guidelines '' ( after they agreed to sign this document several times, passing me to several different departments and citing excuses ranging from lost notary stamp, manager not in, needing my trust, etc etc ) in order to get my one parcel split into 3. 

I then paid off my loan, in full, on XX/XX/XXXX. They have acknowledge the payment, I have received a letter saying it was paid, received my refund for overpayment, but have not received the reconveyence ( Lien release ). Each time I call, a manger gives me a different time frame. I have called at least once a week since XX/XX/XXXX. I was told 2 weeks, 45 days, that it was mailed XX/XX/XXXX, then mailed XX/XX/XXXX. Now I'm being told that to process the lien release will take up to 120 days. 

At this point, my map expires XX/XX/XXXX. Due to the 9 months of inaccurate info, I will not only have damages in excess of 10K for the map, but also two cancelled escrow in excessive of 300k as well as the penalty of taking the money out of retirement to pay off the home. I was originally told that once I paid the home off, I would get the release in 2 weeks. The inaccurate information they are giving clients is atrocious. 

I have emails and have logged the dates of my calls if further info is needed.

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Company stated that it reviewed the telephone conversation with its manager, XXXX. I too have reviewed the conversation and have evidence of the company lying in an official response regarding the notification of account holders between 16 and 18 months of inactivity. In the conversation, XXXX specifically states that letters/notification were sent to account holders in this window warning them about account closure. 

A change of the Credit agreement and terms of this significance ( 31 months before closure, reduced to 16 months ) constitutes a significant change in the agreement and terms, which is required to be sent out via XXXX mail to affected consumers. Although the company may choose to close accounts at its discretion, the lack of notification, and discrimination to arbitrarily select consumers within a 2 month window to notify is a violation of the CARD act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
DISCOVER CARD RECEIVED A FULL PAY OFF FROM ME EARLIER THIS MONTH. WHEN I PULLED MY CREDIT TO MAKE SURE THEY HAD REPORTED IT CORRECTLY I NOTICED THAT THEY HAD REPORTED MY PAYMENT LATE TO THE 3 MAJOR CREDIT BUREAUS FROM XXXX OF XXXX TO XX/XX/XXXX WHICH IS INCORRECT AS MY ACCOUNT WAS PAID EACH MONTH ON TIME WITH A PAYMENT THEN WHEN I FELL ON HARD TIMES IN XXXX WITH SOME HEALTH ISSUES INSTEAD OF LETTING MY PAYMENTS GO I HAD AN DEBT MANAGEMENT COMPANY COME IN TO MAKE MY PAYMENTS. ALL PAYMENTS WERE CURRENT EACH AND EVERY MONTH MOVING FORWARD. AS A MATTER OF FACT EACH MONTH I MADE DOUBLE THE AMOUNT THAT DISCOVER WANTED. THEN I PAY THEM OFF THIS MONTH AND NOW I SEE THIS. 

I CALLED DISCOVER AND THEY ARE UNABLE TO PROVIDE VERIFIABLE PROOF THAT I WAS LATE WITH MY PAYMENT. THEY SIMPLY SAY " OUR SYSTEM SHOWS THAT IT WAS '' THIS DOES NOT MEET THE FCRA REQUIREMENTS WHICH SAYS ALL INFORMATION BEING REPORTED HAS TO BE 100 % ACCURATE, COMPLETE AND VERIFIABLE. 

THEY ARE ALSO STILL REPORTING IN THE COMMENT SECTION THAT THE DEBT IS BEING HANDLED BY A THIRD PARTY TO MAKE PAYMENTS. THIS IS INCORRECT. 

I AM NOT SURE WHAT DISCOVER CARD HAS TO GAIN BY REPORTING THIS INFORMATION SINCE THE ACCOUNT HAS A XXXX BALANCE AND IS CLOSED. I AM REQUESTING THAT ALL LATE PAYMENTS THAT WERE REPORTED ON THIS ACCOUNT BE REMOVED IMMEDIATELY AND ALL COMMENTS THAT REFERENCE PAYMENTS BEING SUBMITTED BY 3RD PARTY DEBT MANAGEMENT BE REMOVED. 

THE ACCOUNT IS IN GOOD STANDING AND THERE SHOULD BE NO REFERENCE OF ANY LATE PAYMENTS IN THE PAST AS THE ACCOUNT HAD PAYMENTS MADE EACH AND EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This complaint is for Commonwealth Financial Systems legal/compliance dept. Your company has stated that they have complied with HIPAA laws yet attached you will find a HIPAA LAW thats states an authorization form must be obtained from a patient before any of their PHI is shared. I received a copy of my childs medical records including procedure without knowledge or request. I suggest this company read over those HIPAA laws again and then send me the authorization form signed by me to release such information. I would also like a copy of the debt verification I requested. I received a full breakdown of my childs medical records without receiving an authorization form attached. THAT IS A REQUIREMENT!!! As a business entity you have every right to send limited information but instead you carelessly sent a full breakdown of services rendered. SHAME ON YOU ALL!!! I have already submitted a HIPAA complaint with the documents I received attached. I have no problem paying the debt with the settlement funds I will receive from this company for clearly being in violation of HIPAA. Also if your company is so sure that you did not violate any laws then I will see you in court. They can determine for us whether any violations were made. I made sure to keep all paperwork!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
I want to add my XXXX bank account to the coinbase account but It prevents me from doing that even after I get the verification code from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My family is struggling due to the virus crisis/pandemic scare. I have been trying to work some sort of payment and closure of my XXXX  XXXX   Credit services account with CITIBANK whom is charging me XXXX & interest every month. I would like them to credit me the interest so I can afford to PAY OFF and CLOSE the XXXX  XXXX  account. I will never do business with them again. My XXXX XXXX account is XXXX XXXX XXXX XXXX CITIBANK fax is XXXX XXXX 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
Consumer complaint received 2020-05-28 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED

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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was investing round ups from My PNC account to XXXX  XXXX. Now, PNC is telling me that i dont have right on my money and they dont let me investing for my retirement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my Experian credit report today XX/XX/XXXX XXXX though XXXX XXXX XXXX I've notice that ( Experian ) is the only credit reporting agency reporting an I accurate and inconsistent account under the Account name : XXXX XXXX XXXX XXXXXXXX . 

This account currently does not reports on XXXX  annual credit report or XXXX  annual credit report. It is my belief that Experian is continuously reporting this account to intentionally damage my credit profile & credit score a violation of FCRA rules section 1681. 

Account : XXXX XXXX XXXX  XXXX : Doesn't report last date of payment a violation of FCRA rules section 1681 : Doesn't report last date of activity, a violation of FCRA rules section 1681 : Experian continuously reports that account has been verified while still reporting multiple inaccuracies and violations under federal 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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
On XX/XX/2020 I received an email from my Credit Card Company Fortiva staying a credit limit adjustment. 

Since I have always been an on time paying customer and kept low balance, I figured it was an increase in limit like other cards! 

But I was wrong. I see my credit has been cut in half. When speaking on the phone to the customer service questioning why this happened, she stated due to inactivity. I stated that inactivity is not on the Card Holder Agreement by Fortiva, not is it posted anywhere on website or the Agreement page this would happen, if you do not use the credit card. 

Now my account which I have always kept into good standing, is not affecting my credit score, due to the limit being decreased. No remarks due to anything on there end. My credit score dropped a total of XXXX points since this was made. 

On top of this they want me to still pay maintenance fees in a card in which the literally stated on the phone was not being used!! This is a sham. Had there actually been in the Agreement for Fortiva XXXX, I would have made sure to add monthly subscriptions on this card, but it was not, and was not notified of such!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To whom it may concern, My dedt I have with PayPal was brought by an attorney firm, which unfortunately I haven't been able to settle right away. I began receiving text messages from a company that is supposedly hired to collect for the attorney 's that brought the dedt. I called last week around XXXX XXXXspoke to a gentleman there who was actually pleasant to deal with, but wasn't able to make a payment with him. I called again today and spoke to a woman who was flat out abusive, threatening, and rude! I was offering to make a payment today and additional weekly payments till the debt was paid in full. I was concerned this might have been a scam so I asked if she can email/mail me a statement on the agreed settlement, when she said she's had it and that she'll tell her client to sue me for the full amount and hung up on me. HERE IS A COPIED AND PASTED TEXT MESSAGE BELOW ( I ERASED MY PERSONAL INFO ) : This text is from XXXX. This message is for XXXX -- - - -- -- we have a legally required notice with your name and SSN attached for legal review. You may call back XXXX with or without your attorney to discuss your current case in our office. While calling back please refer to Case # 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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I ordered a washing machine and the matching clothes dryer from Home Depot. 

My granddaughter gave me her un used washer and dryer instead. I called the home Depot store tge next day and explained to the customer service agent that I needed to cancel my order. 

She cancelled the order immediately. However when my bill arrived, I was charged for the washer and dryer. I went back to the home Depot store and explained to the customer service attendant that I cancelled the order before it shipped out. 

The agent told me not to worry and she took care of it right away and that I should disregard the billing amount. 

I received another bill the following month with a XXXX fee. I called customer service again to inquire about the mysterious charge. 

The customer service agent told me that the XXXX dollars fee is an investigation fee that the company charge in order to investigate the cancelled order. 

I am a senior and I feel that I am being scammed and treated very unfairly. I never received the order and I should not have to pay for the company to investigate a product that I cancelled prior to the items being shipped.

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Unable to establish an ACH link with my brokerage account. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
RECENTLY I PAID OFF MY XXXX  XXXX  ACCOUNT THAT WAS ISSUED BY WELLS FARGO FINANCIAL NATIONAL BANK. UPON PAYING MY ENTIRE BALANCE OFF I PULLED MY CREDIT TO MAKE SURE THAT THE PAYMENT WAS REFLECTING CORRECTLY AND I SEE THAT THEY HAD IN THE PAST REPORTED THIS ACCOUNT AS BEING LATE FROM XX/XX/XXXX TO XX/XX/XXXX AND THIS IS 100 % INACCURATE. MY ACCOUNT WAS ENROLLED INTO A DEBT MANAGEMENT COMPANY SO THAT THEY COULD HELP ME MANAGE MY PAYMENTS DUE TO A HEALTH SITUATION THAT I ENDURED BACK IN XXXX EARLY XXXX. THIS COMPANY GOT THEIR PAYMENTS EACH MONTH. UPON CALLING THEM THEY SIMPLY SAY THEIR SYSTEM IS SHOWING THAT I WAS LATE. NO VALIDATE, VERIFIABLE PROOF JUST THEIR WORD. THIS ACCOUNT IS CLOSED WITH XXXX BALANCE, THEY GOT FULL PAYMENT AND YET THEY WANT TO KEEP INACCURATE, NEGATIVE INFORMATION REPORTING AGAINST ME. 

THE FCRA SAYS THAT ALL INFORMATION REPORTED MUST MEET 3 REQUIREMENTS. IT MUST BE ACCURATE, COMPLETE AND VERIFIABLE AND THIS DOES NOT MEET THAT REQUIREMENT. I AM NOW ASKING THAT THE CFPB STEP IN AND INVESTIGATE THIS COMPANY FOR FALSE REPORTING. I AM REQUESTING THAT ALL MENTION AND REFERENCE TO LATE PAYMENTS BE REMOVED FROM THIS ACCOUNT. IT IS NOT CLOSED WITH XXXX BALANCE AND THE LATE PAYMENTS ARE HURTING MY CREDIT RATING AND THEY KNOW THIS. DURING COVID19 I ACTUALLY THINK ENOUGH OF THEM TO PAY THE BALANCE OFF AND THEY DO THIS TO ME. ILLEGAL AND NOT RIGHT. I WILL TAKE THEM TO COURT AND SUE THEM FOR A VIOLATION OF THE FCRA AND IF I WIN THE JUDGEMENT AWARDED IS XXXX PER VIOLATION SO MORE THAN IT WOULD COST THEM TO SIMPLY REMOVE THE INACCURATE INFO.

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 2020-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I have a past due auto loan with Flaggship Acceptance, with a balance of {$780.00} I received 2 phone calls by an agent named XXXX on Tuesday, XX/XX/20 at XXXX and XXXX pm. XXXX left a voicemail on each call breaking FDCPA. By law only 1 voicemail can be left daily, multiple calls can be made within a 2 hr window. The voice messages were save on my phone. This is considered harrassment, abuse and unfair debt collection practices under the Federal Trade Commission. I spoke with a Supervisor ( XXXX ) who stated he didn't see record of 2 calls being place but assured me he would be filing a complaint and provided complaint # XXXX for my records. After speaking with him this morning, I received an email regarding the delinquency of this debt and to contact their office.

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 2020-05-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo will not accurately report my credit card balance and are suppressing my credit score and inflating my debt to income ratio.

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