vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have made several requests to have my property tax Escrow payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. I am still being escrowed for {$3400.00} per year when my taxes was reduced to {$2900.00}, a difference of {$510.00} per year. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I also feel that Lakeview Loan Servicing is in violation of RESPA because they are charging penalty fees on any mortgage payment made between the XXXX and XXXX day of the month. RESPA says that they can charge a fee from the XXXX day. This is very unfair to borrowers and I think Lakeview should be held accountable for their illegal actions. It is this type of reckless greed that forces the govt to protect consumers from unscrupulous lenders, thus the CFPB. If possible I would like to have my loan transferred to a different servicer. These people are the worst!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX To my surprise today I learned of an overdue unpaid XXXX   bill of mine, for products I purchased, last summer.

Were bill paying people, for 4 5 decades, who began this month working with a financial company recently in the hope of getting into our final retirement home. If it we not for the credit report theyd run, wed never have known of this concern, as we dont use credit and have only mortgage debt.

Background : In XX/XX/XXXX we relocated to North Carolina, when Id asked a friend where to buy work clothing which then led me to XXXX for the 1st time in my life, began buying form them. Once on their mailing list, sales events were advertised, and better still if you used their credit card save more. I buy work clothes annually, so this was the best deal.

Activity : I choose to receive my bills in the US Postal mail, hard copy paper is seen felt, and paid, period thats my process. Now, if XXXX  can mail to me coupons, and marketing how is it they could not mail the bills to my current address? Further my mobile phone was attached to that account as well.

I spoke with XXXX  this morning, they had 2 PO returns, meaning their own ( XX/XX/XXXX & XX/XX/XXXX ) bills which theyd mailed to our prior ( XXXX, MA ) address from years ago, were returned to them. XXXX collections dept. agreed to remove late fees, but have closed the account and ruined my credit, refuse to generate a letter of explanation and intent to correct my credit.

Request : The purpose of this note is to ask you to force XXXX  to provide a letter stating my credit will be reported as having been corrected, so the bank will move forward with us.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC 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 non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The inquiry was made on XX/XX/2018. I am unsure of loan amount requested. A letter was written to try in get the inquiry 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 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Have a mortgage with XXXX XXXX XXXX XXXX - XXXX - Loan # XXXX. 

We have been given false and misleading promises that if we paid the mortgage on that day I spoke with a gentleman with ID # XXXX  on or around XX/XX/XXXX that it would not go to the credit report as a late payment. They have also stated that the call has been recorded. 

I called back after finding out that it has been reported to the credit bureaus as a late payment with XXXX # XXXX and she informed me there is nothing they can do to remove the late payment and on the meantime it's damaging me. 

XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: WA

Complaint narrative:
My social security number was used to open a XXXX XXXX account in XX/XX/XXXX, using a different lat name than mine. XXXX  put the account to collections with XXXX XXXX XXXX ( ERC ). 

After finding the item on my credit report in XX/XX/XXXX, I filed an identity fraud claim with XXXX, including a fraud affidavit, bank statements from XX/XX/XXXX, and my driver 's license. 

XXXX  confirmed in writing that this was identity fraud later in XX/XX/XXXX. 

I contacted ERC and they agreed that the report was in error and said it would be removed from my credit report within 45 days. 

It has been 4 months the item is still on my XXXX  and XXXX XXXX credit reports and substantially affecting my ability to get credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I paid this credit card to a XXXX balance in XXXX. The XXXX statement said no minimum payment due so I didnt pay anything then assessed me a late fee for a XXXX   balance account in XXXX. Now it is XXXX they reported me to the credit bureau as being past due over 30 days and it is over a late fee assessed based on their statement showing no payment due ... .and they have assessed an additional late fee. I have set up payment to be drafted out of my account. I want the past due status removed and the late fees reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Tried to send XXXX Plus a service fee of XXXX to a very deserving hospital patient. Money transaction was blocked for some unknown reason. Firm has not returned debit card deduction

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: CL Holdings LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX   and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
In 2009, i went to school for XXXX XXXX  and finished school. The problem is that the financial side of the institute gave out loans that were compiled daily in the Federal side of Government. I signed a loan for {$20000.00} with a co-signer and the interest daily was 3 % & now 9 %. 
The woman I spoke to told me that my payments were to be {$350.00} a month and & I made those payments for 2 years & the loan with the interest would go down, but only kept climbing instead of decreasing. My loan now is over 70,000 approximately. It has now gone to collections with a company Navient has chosen. I have no Idea how to climb out of this one. I only make {$12.00} an hour and am trying to live at the same time. This is a loan that Navient should have never had in their company. It has only done harm then good.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Something called " Pay over Time '' was added to my American Express Green Card. 

I did not know what this was, although I took advantage of it. I inquired about it but never heard back until several months later when I got the attached letter on XXXX XXXX, XXXX. 

The letter states that due to " technical error '' I was not sent a welcome letter and that " we've applied a 0 % APR for the life of the balance to any charges that were added to your Pay Over Time select feature balance before XX/XX/XXXX. '' Simply put, this was not done. 

I have called American Express three times to resolve this issue, however, each time they stated they would get back to me within a short period of time only to have this period pass. I was informed at one point this would apply only to new charges, which is not what the letter indicates. 

On my third call, one representative queried me about the real source of the letter. I read it to her and she concurred it was authentic, promised to get back to me, but I have not heard from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Credit and Collection Service, Inc.
State: VA

Complaint narrative:
Capital Credit & Collections Service , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX XXXX XXXX A debt originating from XX/XX/2016 with the XXXX XXXX XXXX XXXX XXXX, in the amount of XXXX dollars for a medical service, was sent to collection with Capital Credit. They attempted to charge {$17.00} interest on the debt ... which is illegal, according to Oregon State, as well as Federal law. 

According to Federal Law : https : //www.ftc.gov/system/files/documents/plain-language/fair-debt-collection-practices-act.pdf 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

According to Oregon State Law : XXXX XXXX XXXX : A debt collector engages in an unlawful collection practice if the debt collector, while collecting or attempting to collect a debt, does any of the following : ...

( n ) Collects or attempts to collect interest or other charges or fees that exceed the actual debt unless the agreement, contract or instrument that creates the debt expressly authorizes, or a law expressly allows, the interest or other charges or fees. 


I spoke with the company, who was easily willing to drop the interest, but insisted that it was legal for them to do. 

I paid the {$60.00}, but they should not be lying to people, telling them that they can legally apply interest charges on a debt, when they clearly can not. At the very least, this company should be reprimanded for these unjust and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX / XXXX XXXX XXXX Made a hard inquiry that brought my score down -4 pts im trying to build my credit here! .I dont understand why theres this hard inquiry And i have not applied for no kind of credit. 
I did not Authorize to make this. 

XX/XX/XXXX/Capital One Made a hard inquiry without consent of mines Ive tried disputing this multiple times already and still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 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: NY

Complaint narrative:
I noticed several hard credit inquires on my TransUnion credit report. None of them were appearing on the reports from the other credit reporting agencies ( XXXX and XXXX ). I called TransUnion to dispute this and have these removed. I said that I suspected that they might be related to a recent system glitch TransUnion made by removing, then reinserting inquiries back into consumers credit reports ( from what I understand can only be done in a very specific way that requires notification to the consumer ). Nevertheless, the customer service representative was not willing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/2019 we deposited ( via ATM ) two checks, each in the amount of {$15000.00}, for a total of {$30000.00}. 

This is typically more than our normal deposits, but we deposit around {$7000.00} or more each month, so it was not extremely out of the ordinary. 

We have had accounts with US Bank for more than 5 years, and have never overdrawn any of our 6 checking or savings accounts. 

A few days later, both checks showed as " posted '', but neither were included in our available balance. My husband called the bank and they explained there was a hold on the checks and that the funds would be available on XX/XX/2019. 

Today is XX/XX/2019 and the funds are still not available. Upon doing some additional research, I learned more about Reg CC ( a regulation I was already somewhat familiar with from my schooling ). 

It is my understanding that within 1 business day {$200.00} should have been made available, and within 3 business days another {$4800.00} should have been made available, and within 7 ( today ), the rest should have been made available. As previously mentioned, we have never overdrawn, nor are we new customers.

To date, 7 business days after the deposit, no amount of the funds have been made available and upon a call to the bank, they stated it is a " processing '' issue and were unable to provide any further explanation or information and said the funds should be available tomorrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am very unhappy with Wells Fargo service, in ALL departments. I tried Wells Fargo a few times, but all end up badly. 

Firstly trying Wells Fargo back in XXXX with mortgage, end up with very bad experience - spent time for the mortgage, paid all the fees, and DID NOT get the house at the end.

Second time was opening a bank account with Wells just to help my bank friend to hit aggressive goal few years ago ( before it was getting to the news and being fined because of the fake-account scandal ) - again, bad experience. 

And this time, try again with Wells Fargo credit card last year. Called Wells Fargo today to get a replacement credit card, was told my credit card account was closed for no reason by Wells Fargo. 
All credit card reward associated with the credit card account are gone as well and the rep told me there is no way to retrieve without reopening the same credit card account. When I open the card, it did not state that the bank will close your card anytime without giving you a chance to redeem your point! 

Wells Fargo Internet banking is really outdated and it is super hard to rest the password without having the actual card - unable to reset password via email or text message associated with my Wells Fargo profile in XXXX. I was unable to check my statement or doing anything using internet banking and this is the only way I do my banking. 

The only thing I hope now is getting my reward back, and I hope Wells Fargo can get this right this time. Please contact me via email or call XXXX if there is any question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX   and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
This lender is now considered a predatory lender after thorough research on this company. The name is credit acceptance. I have a car financed with them and made payment arrangements on the vechicle. We both agreed that there is a contractual obligation in place but they would make an exception and allow the payment to be made late. This was considered a verbal contract made on XX/XX/2019. At which time they said they would accept the payment on friday XX/XX/XXXX in the interim they repossed the vehicle on XX/XX/2019. They were contacted about this on XX/XX/2019 and the  supervisor, XXXX advised that it was a system error. 

I requested the car to be released with just one payment which i was only due for one payment and it was 17 or so days past due. They stated they would not waive any  fees. Im filing the complaint so that they may be reprimanded and also im seeking punitive and physical physical damage from the company as well through a lawsuit. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER COMPLAINT AGAINST : CREDIT ACCEPTANCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/2019 there was a credit balance on my account of {$180.00}. I tried to contact HSBC customer service several time but sometimes it goes to XXXX, other times it goes to XXXX  and they put me on hold. I have to wait several minutes to get to speak to someone and they again put me on hold.

One of the worst customer service.

I should have received my check two weeks ago. Never received my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with explanation