vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
My current mortgage is through XXXX XXXX - Lake View Loan Servicing When I originally sign my mortgage I was also provided down payment assistance through XXXX Down Payment Assistance, this was coded as a second mortgage and had deferred payments for the life of the loan and the interest was not to be added until the end of the loan. 
My original mortgage company sold both of the mortgages and the company I have now is harassing me to pay the second mortgage. I have always been on time for the mortgage for my home. The Down Payment assistance grant they are trying to charge me for, since XXXX of this year, and they are also charging me late fees for this loan that is not supposed to be due. I have called them four times now and have been waiting two weeks for them to answer my ticket. Each time I call they tell me I am correct and they should not be charging me for the loan but then they take no action to correct their mistake and are still contacting me saying I owe late fees. This has added unneeded stress to my life and I should not have to call a company four times to resolve something that they admitted was their mistake on the first call.

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 2020-10-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: PA

Complaint narrative:
Pheaa/American Education Services is claiming that my account is delinquent when I've already made the payment. They claim that if the payment is " processing '', the account is still in a delinquent status. I'm not sure what world Pheaa/AES lives in, but I think they completely misunderstand the concept of what happens when a debt is paid. When you pay a debt, the status is immediately treated as satisfied UNTIL the payment is returned by the bank. The fact that they wait 2-3 business days to " process '' a payment to fulfill their obligations with reporting accurate information is beyond egregious.

There were 2 employees from the company who offended me and I wish for both of them to be terminated indefinitely for their poor treatment of customers over the phone.

One goes by the name of " XXXX '' and the other " XXXX '' Pheaa/AES, let 's say you're 2 days late on the electric bill. The electric company turns off your energy in the building, but someone from your district office calls to make the payment. The electric company says " It will take 2 business days to process your payment BEFORE we are able to turn your electric back on. Sorry! '' I really doubt that happens! Therefore, you should be treating my situation in the same way.

I also have an issue with Pheaa/AES when it comes to 2 way calling. They claim that they record the conversations, but then do not give authorization on their end for me to record the call, but they continue recording the call. I believe that just might be subject to analysis by the state because in Pennsylvania, no party can continue recording the conversation if both parties are not in agreement of the other recording the call. I'm almost positive Pheaa/AES records the calls even after I had agreed not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: GA

Complaint narrative:
A letter disputing information on my report was sent over 30 days ago. Haven't received any results within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I.C. System Inc. is INACCURATELY reporting a debt for an account that has been previously SETTLED AND PAID IN FULL with the original creditor. The original Creditor was XXXX - XXXX XXXX. On XX/XX/2020 I sent a debt validation request to IC System Inc. regarding an alleged debt of {$75.00}. On XX/XX/2020 I received a letter from their office with information from the original creditor. Immediately I contacted XXXX XXXX directly and sent payment for {$75.00} via USPS money order dated XX/XX/2020 to XXXX ( original creditor ) : XXXX XXXX XXXX XXXX, NY XXXX. On XX/XX/2020 IC System Inc. FALSELY reported to the credit reporting agencies a debt for {$75.00}. They are in serious violation of the FDCPA Section 808 as they DID NOT provide a statement on their written notice which I received on XX/XX/2020 giving me the consumer 30 days to act on the alleged debt. It should be noted that 30 days of RECEIPT of their notice had not yet been met as of XX/XX/2020 the day they FALSELY reported this account to the CRA 's. They also are in violation of the FCRA as they reported the amount owed for this debt was {$75.00} which is INACCURATE. In addition they are attempting a debt during the pandemic which is a violation of the CARES Act specific to New York State.

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 2020-10-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX I submitted a complaint about XXXX XXXX posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX  reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX I submitted a complaint about XXXX XXXX posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX  reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the XXXX XXXX debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, I had an active account opened with BMW Financial Services for my XXXX XXXX I had purchased through the dealership XXXX XXXX XXXX. BMW Financial Services reported an inaccurate late XX/XX/XXXX payment to XXXX, XXXX, and XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX and I purchased two money orders at the United States Postal Service on XX/XX/XXXX ( one payment for {$1000.00} and one payment for {$280.00} ) I was charge small fees for both money orders including a postage stamp to mail the money orders to BMW Financial Services. The total amount for this transaction was {$1200.00}. In addition, the two money orders were mailed by regular mail on XX/XX/XXXX and the {$1200.00} transaction shows on my XXXX  XXXX XXXX account statement ( under withdrawals and other subtractions ). On average it takes between 2-7 business days for regular mail sent from California to arrive to Ohio. BMW Financial Services has inaccurately noted that my payment was received on XX/XX/XXXX ( even though it was mailed on XX/XX/XXXX ). I have mailed money orders by regular mail prior to XX/XX/XXXX and I was not considered 30 days late. On XX/XX/XXXX, I filed a credit dispute directly with BMW Financial Services and they noted in their investigative report dated XX/XX/XXXX that they only received two payments ( one payment for {$1000.00} and one payment for {$250.00} ). Both of these amounts noted in their investigative report are incorrect as I have a copy of my BMW account statement for XX/XX/XXXX which shows the correct amounts ( {$1000.00} and {$280.00} ) was received. The XX/XX/XXXX late payment reporting made by BMW Financial Services has adversely impacted my credit scores with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
i have removed the account attached twice already and it keeps reappearing. i also have several inquiries on here that don't belong to me. all information needed is attached

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 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
i have removed the account attached twice already and it keeps reappearing. i also have several inquiries on here that don't belong to me. all information needed is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.

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 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was contacted by an individual by the name of XXXX XXXX  via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via Zelle from my bank at XXXX  XXXX XXXX. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via Zelle again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a felon and huge fraudster/scammer. He is in gang with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called XXXX XXXX  XXXX on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at XXXX XXXX XXXX told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called XXXX  XXXX XXXX back and they told me they denied my claim and I can not appeal any Zelle transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with www.ic3.gov and there there is no other help XXXX  XXXX XXXX can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX as well as a ticket on www.ic3.gov. The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX telling me to make my XXXX XXXX payment to them at a new PO Box number in XXXX, Tx. I mailed it to that box number, and, according to the photo I have of my canceled check under the Dovenmuehl number, they deposited it in their account at XXXX XXXX XXXX under XXXX on XX/XX/XXXX. 
When I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke to XXXX, he looked up my new loan number, and told me I should pay my XXXX payment to Dovenmuehl, their former servicer, and the XXXX payment would go where it needed to be, but he could not say where or when that might be, or even whether they had a record of it. They dont have the Dovenmuehl number on their system. 
Then I spoke to Dovenmuehl at XXXX. They say they do not have my XXXX payment, and I have to send it to them ( again ). 
So no one has a record of my payment, even though I have the the date and the account number where it was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.

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 2020-10-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of 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 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent an email to captial one so i can get my missed payments removed from the account. They are from XX/XX/XXXX through XX/XX/XXXX. I lost a job and my apartment and could not make payments. They tried working wiht me. I have asked them to remove my late payments they replied with letters stating they report all acurate information and to send the dates that was not accurate. The same thing happened in XXXX of XXXX through XX/XX/XXXX. This was due to me moving and again lost another job. Now I am looking at working for myself as a XXXX  XXXX. I have asked for help in spite of covid19. I wrote them a letter on XX/XX/XXXX stating all of the dates i was late and asked for a removal. They gave me a letter saying thatI need to provide my information again. Im not sure why i keep getting this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I received a bill from XXXX XXXX for my homeowner insurance on XXXX XXXX. The bill wa overdue since XXXX XXXX. This should have been paid by Loan Depot out of escrow account, I just did a refi, account XXXX. I called loan servicing and the gentleman said I should go ahead and pay it since I was without coverage, submit the receipt and they would reimburse me. I paid the {$700.00} bill and submitted the receipt. Then a XXXX XXXX said I needed to submit the original bill and declarations page from XXXX XXXX, they would pay XXXX XXXX and XXXX XXXX would reimburse me. I said that the issue was between Loan Depot and XXXX XXXX and I had already gone above and beyond. They refuse to reimburse me and I assume we will play this game every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of 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 2020-10-28 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: FL

Complaint narrative:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
There are reports of times and dates and city and state that was not done by me! 
XXXX XXXX  XXXX, MI XX/XX/XXXX XXXX XXXX XXXX, KS XX/XX/XXXX XXXX XXXX XXXX, GA

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 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A letter was sent to National Credit Systems as a request to provide validation of the account they are allegedly collecting for. I sent this letter on XX/XX/2020 and they got it XX/XX/XXXX. To make sure they get it I sent it by certified mail with # XXXX. I have yet to hear from them despite the extra time they had to investigate and give validation because of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It concerns a wire transfer in US currency from the XXXX. The amount did not arrive in full in my XXXX XXXX  account. It was short an amount of which its whereabouts neither the XXXX XXXX nor the XXXX XXXX  could be explained. The wire transfer was subject to fees identified and separately charged by the XXXX XXXX. There were not wire transfer fees charged by the receiving bank. Upon further investigation the discrepancy could not be explained by either bank. The conclusion is that the lacking amount must have been purloined en route. Someone suggested that the wire transfer was subject to a " lifting fee '' charged by an " intermediary '' bank but neither the XXXX XXXX nor the XXXX XXXX  could identify and intermediary bank involved in this transaction. The money has just simply vanished in the haze.

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