vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I mailed my payment to Lakeview Loan Servicing on XX/XX/19 and as of XX/XX/19 my credit union ( XXXX XXXX XXXX XXXX ) stated the cashiers check had not been cashed. I started a " stop payment '' process with my credit union on XX/XX/19 and called Lakeview Loan Servicing again on the afternoon of XX/XX/19 and at that time the automated stated my payment was received on XX/XX/19. There are phone records of me requesting to speak with a someone who could explain why my payment was held from XX/XX/19 until XX/XX/19 ( which is the date all agents advised the payment posted to my account ) and the agent stated she would transfer me to customer service however I was transferred back into the automated system, on the second attempt I requested a supverisor and I was transferred to the survey line, on the third attempt I was transferred to another phone agent who had none of my account information. Finally, on the 4th attempt I was transferred to a supervisor who inquired about how the payment was made I did advise it was mailed and she started to explain about payment processing when paying via XXXX XXXX and mail and how that may cause a delay which meant she was not listening when I advised the payment was mailed however Lakeview 's automated system and the employees advised me the payment was received on XX/XX/19 no other source.

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Today, using my home computer, I attempted to request an annual free copy of my credit report from each credit monitoring company - XXXX, Experian and XXXX. So my first step was to log into XXXX   's webpage which in turn routed me to " XXXX ''. I was given the option of selecting all three credit monitoring companies, once I was on the web screen for XXXX XXXX - for which I selected all three. While I was able to view and print a copy of XXXX  's credit report I was not so fortunate with Experian nor XXXX. Upon completing the XXXX segment the software skipped right over Experian and went directly to XXXX. After the XXXX credit report was pulled up, and before I'd had an opportunity to review it on screen, while I was trying to figure out how to print a copy of the XXXX credit report I was kicked out of the system with no apparent way back into 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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently paid off my XXXX account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.

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 2019-02-12 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: TN

Complaint narrative:
I recently paid off my XXXX  account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I received a call from my phone company XXXX XXXX XXXX this afternoon saying that my phone bill was not pay and i made a payment over a month ago and didnt receive anything from the back that it was declined now Im being charged double with an overdraft

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2017 I ended a contract as a " booking agent '' for a moving company. As the booking agent I purchased leads on people moving from several online lead generators. When my contract ended, so did my need and authorization to purchase leads. I noticed in late XXXX or XXXX that I had been charged over {$20000.00} on my companies business Ink card from the vendors I used to use to purchase leads for but no longer was. I have attempted to resolve this with chase for the past 18 months and with the merchants themselves but at this point no one is willing to do anything. They do not have any documentation to support that the charges were made by me, because they were not. It has been a nightmare and now Chase is reporting the late payment on the Ink card to my personal credit. Also, the company I was contracted by is being sued by the state of Florida for deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I received a letter from one of my loan services Navient dated XX/XX/XXXX stating that I needed to renew my repayment plan. The letter stated I needed to reapply by XX/XX/XXXX and gave XXXX as an option for reapplying. 

On XX/XX/XXXX I submitted an income driven repayment plan application online at XXXX XXXX to be sent to both XXXX XXXX and Navient. 

On XX/XX/XXXX I received an email from Navient stating my electronic application for an income driven repayment plan had been received. It also said that if I used the IRS data retrieval tool- which I did- that there was nothing I needed to do now. 

I received a letter from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX stating that my IBR payment had been recalculated and was effective until XX/XX/XXXX. 

On XX/XX/XXXX I sent a letter to Navient explaining that I had submitted my information online for recertification and had received email conformation from them on XX/XX/XXXX that they had received it but had heard nothing since. I asked for written confirmation that my account had been updated. 

On XX/XX/XXXX I received an email from Navient stating that they had not yet received my renewal application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
my complaint is against XXXX XXXX, paid off amount. This loan was made by phone, my conversation with the person was- I requested a loan for the amount of {$5000.00}, ( see attach ), they toll me that the financial charges were going to be {$2500.00}, and the payments were going to be {$560.00} per months. I paid this amount for the XX/XX/2018 year, ( see attach ). 
This year I call XXXX to get the paid off amount, and over the phone, they tool me that " I have another 76 payments for the total of {>= $1,000,000}. How can a {$5000.00} loan became {>= $1,000,000}? This is a ripoff. Also over the phone, the person, toll me that if I want to pay the loan off, it was going to be another {$8000.00} to pay the loan or another 76 payments of {$56000.00}. The annual percentage rate is 132,48 %, which I did not know about. Also, the promissory note they send me was not signed, ( see Attach )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
My husband and I tried to purchase this home but was told we needed a co-signer to get a better interest for the home or pay a larger down payment. My mother in law had perfect credit not one blemish. They put the mobile home in her name and me as the co-signer. It suppose to been for one year. They wouldnt take it out of her name after the first year and learning later that we were charged the highest interest rate. We have had ups and downs with payments through life, health and other endeavors. We owe just as much now on the mobile as the beginning over 18 years ago which is contributed to that misleading interest rate on a perfect credit score. We also found out that the insurance over the years were financed in with the note resulting in this high payoff. Our account number as always been the same for the last 18 years. We received this letter with the change of account number as well as a different way to start paying the insurance separately. If this was done in the beginning .... 
with paying the insurance separate, our payoff would be different and it would have dismissed all of that interest. I received an email about an inquiry that I suppose to submitted on some concern or matter but I havent submitted anything to Ditech about a concern. Here is our original contract, a copy of our new account number and insurance payment options and the email suggesting that I inquired about something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Two weeks ago I called regions bank about some disputes on my checking that I need to dispute, I had to call regions several different times, people failing to do their job, hung up, unprofessional, I had to call and talk to different departments and I had provided information about the disputes, nobody wanted or help and was lie to numerous of times when I called, I have been waiting 30 days so far, I called back in to get help nothing but the run around and excuses, Im fixing to close my account and go somewhere else I want my money back that belongs or me and Im tired of being treated badly by this bank, please resolve this matter

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 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for a home loan modification and was denied. In XXXX I was going through a divorce.. That same year I was diagnosed with XXXX. The XXXX treatment ended up causing a XXXX XXXX. Between not being able to XXXX   and the the XXXX treatment I was unable to work for years and was unable to pay my mortgage. 

I am now fine and have been working since the end of XXXX. My income is enough to pay my mortgage payments. 

My request for mortgage assistance was to defer my payments. I just wanted to make good on the payments but just push them to the back of the loan. I wasn't requesting a payment reduction but was still denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RFNA, LP
State: LA

Complaint narrative:
I was lied to summer 2018 by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, about them refinancing a loan to make the interest cheaper and it only made the loan payment higher and interest higher. This was misleading information from the start. On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX placed a new inquiry on my credit report and I did not apply for a loan or give them permission to run my credit. I know this is against the law. 

Prior to XX/XX/2018, I contacted XXXX XXXX and they contacted my references inferring to them with letting them know I owed a loan. I contacted them about the loan and advised them to only contact me and they still made calls to references. I sent them a certified cease and decist letter to everyone but me. I advised them in writing of how I was going to pay them monthly. 

I requested to have added features taken off the loan which was supposed to be removed to bring down the monthly payment to make the loan affordable and they did not remove the fees. I sent them a letter in writing and been sending them at least {$150.00} a month for the loan. They sent a letter as if they were going to take off late fees if I paid monthly and they have not been trying to help with lowering the payments even after they said they were going to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I do all our banking with Wells Fargo Bank ( usually at store # XXXX ). We opened up XXXX different savings accounts, XXXX checking account, and a Platinum Debit Card attached only to our checking account. However, XX/XX/2015 a Wells Fargo employee opened up an unauthorized ATM card in my name ( XXXX XXXX ), and later in XX/XX/2015 another unauthorized ATM card was opened up in my husbands name ( XXXX XXXX XXXX ). Both ATM card accounts were linked to all of our savings and checking accounts without our knowledge or consent. These unauthorized ATM cards were never mailed to us, no notification was ever given, and until just recently we had no knowledge that they existed. We only found out because last month Wells Fargo mailed us renewal ATM cards and we were surprised to receive renewal cards for original cards we never knew existed. We contacted the bank and expressed our concern and complaints, and they did their best to answer our questions, but they could not explain why these accounts were opened. They only suggested the possibility that an employee opened them perhaps to meet some quota, considering at that time in 2015 Wells Fargo had a known issue with fake accounts opened in customer names. After inquiring with the bank and researching we noted the names of the employees who we met and spoke with regularly regarding our savings, checking, and debit card accounts : XXXX XXXX ( officer # XXXX ) and XXXX XXXX ( officer # XXXX ). When we went to discuss these matters with the bank we spoke with XXXX XXXX XXXX, and later on the phone with the manager XXXX XXXX. They could not answer our questions and referred us to a special branch of the bank which deals with matters such as ours ( Resolution Team ). The Resolution Team had a representative named XXXX contact us ( reference # XXXX ), and he has been trying to resolve the matter but as of yet there is no explanation as to how or why these ATM card accounts ( linked to all of our savings and checking accounts ) were opened in our name without our knowledge or consent. They mentioned the possibility of small monetary compensation for our troubles, but this is not sufficient for us. We are very concerned about our finances. This is our life savings and we need to know that our money is safe and that bank employees are not opening up accounts without our knowledge. We find this matter to be a grave injustice concerning customers at Wells Fargo, and we worry that this might happen 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 2019-02-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am an authorized user on a XXXX XXXX/Wells Fargo account. I disputed inaccurate reporting on an over 30 day delinquency that was reported in XX/XX/XXXX. As a result, the update that was sent to XXXX   was a Charge-off of XXXX in XX/XX/XXXX. First, I was not contacted that the account was past due or that I was responsible for the payments. Second, the obligor filed bankruptcy in XX/XX/XXXX. In XXXX, the obligor attempted to log in to Wells Fargo 's portal to get the amount due but was locked out due to the bankruptcy filing. When the obligor contacted wells fargo, was advised that they could not speak with him. Per page 6-19 of the XXXX Credit Reporting Resource Guide, Authorized Users on  accounts included in a bankruptcy petition should either be terminated or deleted from the account because they are not contractually liable for payments. The inaccurate reporting is a violation of the FCRA. I have attempted to contact Wells Fargo, but was advised that they can not talk with me. If this item is not removed to from my credit, I will consult my attorney to take further action regarding inaccurate reporting. I never applied for credit with XXXX/Wells Fargo therefor I am not liable for the payments. My credit score has dropped 60 points due to the charge-off.

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 2019-02-12 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: AES/PHEAA
State: VA

Complaint narrative:
On my XXXX  report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX  from XXXX. I consolidated my XXXX  loans to XXXX XXXX. XXXX  had them as being collection accounts with a XXXX  balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. XXXX  said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. XXXX  then told me they would only be on my credit report til XX/XX/2021, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/PHEAA never told me the transfer to XXXX. I am tired of fighting these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: AK

Complaint narrative:
Received notice from the Alaska XXXX XXXX XXXX XXXX ( XXXX ) in behalf of my mother ( ageXXXX, I'm her daughter with POA ) and attempted to request a credit report in her behalf from all three companies that they provided ( Experian, XXXX, and XXXX   ) did not receive any ( typical POA problem I suppose ). I also request the same three request for myself and had my husband do the same. 

The XXXX never received for us. the Experian report had incorrect last name and the information on both reports overlapped with some other individual. I called on mine, and all they did was correct the misspelled last name and did not make any comment about the rest of the overlapping information or volunteer to send out a corrected report. 

I am now filing a complaint that this Credit Reporting Company "  Experian '' should not be relied upon.

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 2019-02-12 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: ID Analytics, Inc.
State: NV

Complaint narrative:
I was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My XXXX XXXX, according to XXXX, was XXXX out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX  should be using such a company for their credit checks.

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