vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 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: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
The matter is reference to Lakeview Loan Care Services which holds my mortgage. I have made several attempts to discuss their incorrect, fraudulent credit reporting. They continue to report my loan as late and in default, which is INCORRECT. 
I have made over 6 months of on time mortgage payments during a pandemic. I qualified for their mortgage modification contract that required at least 3 months of on time payments and have continued to be current on my mortgage payments. 
As an example most recently they reported me late for my XX/XX/XXXX mortgage payment which I paid on time on the XXXX of XXXX. According to their online web portal and my bank statements they payments posted on time and yet they reported this payment LATE to the credit bureaus. As an example of their fraudulent practices. 
This mortgage company has been sued in the past for the exact same reasons and continue to do the same thing. This has caused damage to my credit standing. 
As a final attempt I called Lakeview Loan Care on XX/XX/XXXX and was transferred several times and on hold for hours I spoke with someone in Loss Mitigation. They admitted that the LATE credit reporting was an error on their part and promised to fix the problem by contacting the bureaus. I requested a letter or acknowledgement as proof of their good faith to resolve the problem. They absolutely refused to provide me with anything in writing. Matter of fact they kept me on hold and kept transferring me throughout different departments. They finally left me on hold until closing time and someone just hung up the phone. They have the absolute worst customer service and have no regard for their customers. They refuse to address the matter and when I call back I have to explain the entire situation to each person that presents on the phone. This shows that they are just providing lip service and do not intend to actually correct the erroneous reporting.

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 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: MN

Complaint narrative:
I never went through with opening an account with Interfirst Mortgage. Now they are sending me spam email with multiple links supposedly to helpful articles. I did not click on any since I never signed up for emails with Interfirst Mortgage, nor do I have any accounts with them. 
I have attempted to block the spam and hope it will not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I refinanced my loan back in XX/XX/XXXX with XXXX XXXX and they sold my loan to DMI in XXXX XXXX. I sent my first payment to XXXX XXXX on XXXX and was received on XX/XX/XXXX. XXXX XXXX forwarded my check to Dovenmuehle Mortgage DMI when they sold my loan. DMI cleared my check on XXXX/XXXX but didnt apply it to my account. I didnt find out about it until I checked my XXXX account and checked my mortgage account, it was then that I discovered my mortgage balance was still the same, nothing was deducted but they cleared my payment. I had called several times, even spoke with four different supervisors and each time I call I have to explain myself over and over again. All of them dont seem to know what theyre doing. I even emailed them my proof that my check was cleared by them and itsBeen almost two weeks and I still havent received any response. please help. Recently, I checked their XXXX and XXXX page and all I saw was negative reviews. They were rated 1 Star on XXXX. Im surprised Dovenmuehle Mortgage is still operational despite their horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I contacted the credit card company on XX/XX/XXXX because I had a charge in the value of XXXX dollars to open a dispute, after waiting a long time on XX/XX/XXXX, I received a letter from the bank informing me that they would be crediting a value of XXXX dollars I should be responsible for the rest. 
The letter states that they were crediting that value of XXXX, but the information I have was that the company that made this debit in the account made a refund of this value. 
I told them that I disagreed because I disputed the transaction of XXXX, so they opened a new dispute in the value of XXXX, but it has been a long time, and now they want me to contact this company that initially made the charges and work things out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've had my Mastercard account since XXXX. Each month I get my statement, review my statement and write a check paying the account in full. 
My card was rejected at a gas pump today. I called and was told it was because of late payment due two days ago. I told them I hadn't received a statement. They said statements are late this month because of some internal issue but the payment is still due and late fees apply and my card will remain unusable until they receive payment. I told them I have every intention of paying when I receive my statement but I need a statement to review before making payment. They said they're attempting to resolve the issue. 
No apology, no assistance just a demand for immediate payment and late fees.

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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance : {$20000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.

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 2021-01-21 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: TX

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTUTY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On Tuesday, XX/XX/2021 our account was frozen we could no longer access any of our money in both XXXX XXXX and personal checking account. We have contacted SunTrust multiple times for answers they have not given us any. We have been told that there is no timeframe on when we will receive our money. We have not been given a reason why our account is frozen and in the process of being closed. And theres no way to access our money. We owe no debts to anyone so it is not a debt problem. We have had no fraudulent activity on our account. We run a XXXX XXXX and have no access to any money because it is all held within SunTrust. We were given no notice that our account was going to be frozen and then after will be put in the process of closing. On Monday, XX/XX/2021 our account was working and we were using it as normal. No notice was given but then the next day on Tuesday, XX/XX/2021 everything was unusable including debit cards and any access to account online. once again this was without any notice.

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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
somoene deposited a fake check it went thru. they spent the money explained to XXXX it was not me and had no knowledge they opened a claim never did anything about it froze my account and took my direct deposit money and would not give me my paycheck back. they have been giving me problems since XXXX and i recently been fed up because i had funds in that account and i can no longer access them because it went to the negative balance. i told them multiple times i had no access to my debit card and they never resent me one on my new address.

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: WI

Complaint narrative:
I did not sign any contracts with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX my workers compensation check for {$760.00} was eaten by the ATM at TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. On that day I filed a dispute claim XXXX and was told that they would get back to me. Subsequently, I called and went to the bank because no one contacted me. I was shocked when I received a letter declining my claim. I got in contact with the bank and personally inquire about this denial of my claim. On XX/XX/XXXX, spoke to a bank manager and was given the same line, that she would contact the right party and that she recalled this episode with my missing check deposit. No one got back to me and so I called, but was told that the people responsible for responding to my inquiry had not replied. Today I have yet to receive an answer to the disappearance of my check. Thank you for investigating this for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
A credit card was opened in my name through XXXX XXXX XXXX on XX/XX/XXXX, but was not done by me. I had reported identity theft during that time. Purchases were made and not by me. The card was charged off on XXXX XXXX, XXXX. The company kept sending me bills and phones calls to pay the bill. Each time they would call I would inform them that I did not open the card and I had identity theft during that time frame. I even ask them for statements where I would see the purchases, the amount and the dates of the purchases. 
I never received anything. The amount owed up to the time of the charge off is {$980.00}. The total amount has over {$600.00} of late fees and interest accrued. XXXX XXXX XXXX sent my information to Midland Credit Mngt. when they charged off the account. The account showed up on my credit report when they charged it off and I disputed it then. 
They took it off the credit report, then just recently they put it back on. And now I also have a lawsuit for this account. Once I received the information about the lawsuit, I immediately contact Midland Credit Mngt and informed them this was fraud and I wanted to dispute it. I also was requesting statements with the purchases, dates and amounts so I could do my research and to prove this was fraud. They informed me they could not provide me with the information, but to contact XXXX XXXX XXXX. I contacted them again and requested the same information, they said they would try to send me the information. I never received it. A month later, Midland Credit Mngt. cancelled my dispute and are about to garnish my paycheck. I need to get this resolved before they do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Carrington Mortgage Services incorrectly reported a late mortgage payment for XX/XX/XXXXthat adversely impacted my XXXX  credit score by 131 points. 

After contacting the servicer over the phone to inquire about the late payment report, Carrington claimed that they did not report any late payment. I was advised to submit a written query to the Carrington Research Department and informed that I would receive a response in approximately 30 business days.

I submitted a dispute to XXXX  on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I submitted a written request via fax to Carrington Research Department. Further, on
XX/XX/XXXX, I submitted a dispute ( Complaint ID XXXX-XXXX ) to the Consumer Financial Protection Bureau, since to date I still have not received a response from Carrington. 

On XX/XX/XXXX, I received an email notification from CFPB, informing me that Carrington indicated that the complaint lists someone that they did not recognize as their customer or who was not authorized as their customer 's representative and therefore stated that they could not reply. Carrington 's claim is blatantly false. The other party listed in my complaint is XXXX XXXX XXXX, the co-borrower of the loan. 

I made a follow up call to CFPB on XX/XX/XXXX ; spoke with XXXX ( ID XXXX ) who informed me that Carrington claimed that an email address was incorrect or not on file. Once again, this assertion is false. Both XXXX and I provided our Names ; DOB ( date of birth ) ; Social Security Numbers ; marital status ; cell phone numbers ; and email address on the Carrington RMA application form, indicating that all were preferred contact methods.

It appears that Carrington is simply attempting to avoid or to delay replying to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 
These lenders have accessed my credit file : XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2021 XXXX/XXXX  XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2021 XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX  XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/2021 XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX/XXXX  XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX/XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/2021 XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2021 XXXX  XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, 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 2021-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
My mother, XXXX XXXX, lived in a XXXX XXXX XXXX before she passed away. I opened a cable TV account for her in my name with XXXX/XXXX. The account was a direct bill to my credit card. When my mother passed away I called XXXX to cancel the service and a few days thereafter, I returned the equipment that belonged to XXXX. The next billing period on my credit card I saw a monthly charge on my credit card for the cable TV service. I called XXXX and have documentation that the charge was removed from my credit card service company. Since then, a company representing to be Eastern Account Systems, has been calling me ( several times ) trying to collect the monthly charge for the cable Tv service that XXXX removed. I've tried to explain to them that there was an error on XXXX  part and the charge was removed but Eastern is trying to get me to pay the charge. The Eastern Account Systems phone number they call from is XXXX. I'm told by the last person that called me from Eastern that the owners of this company are XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
DPT ED/XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.

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