vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX - Experian Dispute Results # XXXX ( ( Covid-19 ) On XX/XX/21 I submitted a dispute to Experian via their online portal. I included supporting documentation which proved the account should not have been sent to collections by the original creditor due to COVD-19 On XX/XX/21 Their dispute results came back updated and the collections debt remains on my credit report. 

This debt should never have went to collections. The original creditor/collections agency was notified in writing by certified mail that this debt is invalid. 

Experian did not investigate my dispute properly and only updated information, ignoring my supporting documentation which proved this account should have never been sent to collections. This is also a HIPPA violation as my information should have never been shared with an outside party.

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 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I complained that XXXX XXXX did not have my permission to access my credit per previous Complaint # XXXX. XXXX XXXX replied back they have disputed the inquiries with their client. If XXXX XXXX made the inquiry, why do they have to dispute with their client????? XXXX XXXX is on the inquiry and I did not give another company permission to access my credit. Why are there third party agreements that I am not aware of? And why does Transunion allow third part agreements that consumers are not aware of? TWO COMPANIES NOW HAVE MY SOCIAL AND PERSONAL INFORMATION! Why does Transunion give another company permission to access my credit information without my permission??? Do all large companies in the US disregard the American people and laws until someone says something?

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 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover refuses to allow me to log on. I have to go through all verification and change password each time and when I log back in it doesn't remember and wants me to call. Discover is stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
Hello, This complaint is about PennyMac Loan Services for a mortgage loan that I had in the XXXX timeframe. An escrow account was set up at the beginning of the loan to pay property taxes and insurance, and this was funded as normal through my monthly loan payments. In XX/XX/2019 PennyMac stated that a {$2600.00} payment was made from this account to pay my XXXX County, Missouri XX/XX/XXXX property taxes, however a year later I found out that no payment was made and I had a year of delinquent property taxes. I reached out to XXXX County, Mo and spoke to their treasury department and confirmed that no payment was made to my account, and then reached out to PennyMac through multiple means. Apparently there is no way to contact the department that pays property taxes through escrow accounts other than their online message feature on their web site. I started this process two months ago, and haven't been able to get anywhere with this company. I just want my {$2700.00} back during these very difficult times. Any help you could provide would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: OK

Complaint narrative:
I recently closed on a house, XX/XX/XXXX. The initial escrow estimation related to property tax prior to closing was incorrect. I requested a correction and receive this correspondence from their system on XX/XX/XXXX : " Hi XXXX, Youre getting this email because something changed on your loan estimate. Dont worry, this is a normal part of the process, but we sent this automatically so you know whats going on. 
In particular, these sections updated : Initial escrow payment Prepaids You dont need to do anything now. But when youre ready to review, just look at your most recent loan estimate. Its available 24/7. " The figure they originally used was {$4500.00}. The documented property tax is {$2100.00} and the figure they used for the XX/XX/XXXX email. ( Retrieved from XXXX XXXX XXXX, last name XXXX, tax year XXXX. ) However, at closing, the {$4500.00} was used. I decided not to delay closing knowing that we could adjust the escrow after closing. Now they refuse to correct the escrow. They say the property tax is " undervalued '' even though they have evidence of the correct property tax amount. Per your regulations, they are not allowed to do this. The escrow collections have to be based on the actual or expected annual disbursements. 

The mortgage company is Better Mortgage. I would like this resolved. They refuse to follow consumer guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe
State: IL

Complaint narrative:
On XX/XX/XXXX I took out a loan with 605 lending which is owned by fsst management services for XXXX dollars ..This loan is an illegal loan in the state of Illinois per the Illinois payday loan act which states a loan company must be licensed in the state of Illinois which this company is not therefore making this loan illegal ..Per Illinois state law a loan company can charge a maximum of 99 percent interest annually and this loan company charges 720 annual interest therefore making this an illegal unenforceable loan per the Illinois payday loan act ..to date I have paid XXXX Dollars which is the principal on the loan ..would like this loan to be settled for the XXXX already paid and no further contact with company ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Repeaditly calling all throughout the day while I'm at work. Leaving messages on my voicemail saying they are trying to serve me papers, leaving messages on my wife 's phone saying they're trying to serve me papers. They calling from different numbers so, I don't know what is what. I'm struggling right now in this pandemic so I'm in able to make a payment right now and it's really nerve wrecking. The calls come everyday. I check my credit report weekly so I know what I owe and who I owe. 

Midland Credit Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I complained that Factual Data did not have my permission to access my credit per previous Complaint # XXXX. Factual Data replied back they have disputed the inquiries with their client. If Factual Data made the inquiry, why do they have to dispute with their client????? Factual Data is on the inquiry and I did not give another company permission to access my credit. Why are there third party agreements that I am not aware of? And why does XXXX allow third part agreements that consumers are not aware of? TWO COMPANIES NOW HAVE MY SOCIAL AND PERSONAL INFORMATION! Why does XXXX give another company permission to access my credit information without my permission??? Do all large companies in the US disregard the American people and laws until someone says something?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
NOTICE : PRESERVE ALL EMAILS, INTERNAL AND EXTERNAL, PRESERVE ALL NOTES FROM ALL PHONE CONVERSATIONS, INTERNAL AND EXTERNAL, PRESERVE ALL INTERNAL NOTEST, WRITTEN OR IN DIGITAL FORMAT. 

In XXXX, XXXX took over the processing of the loan, immediately taking predatory roll looking to cancel the contract ( at a higher rate ). 

The first thing that you did was say the loan couldnt processed because of disputes back in XXXX. Should refused to give me any information and I had to spend hours contacting the credit bureaus at which time I was able to resolve them. 

Then she came back with my loan to debt ratio was above 50 % and I was not eligible for the loan. It was in fact around 43 % which did not even include an additional $ XXXX in investment income which I documented. 

So now the closing was on. I have attached the final disclosure with the {$17000.00} cash back. At the closing, I was given another set of documents reducing the Payout to {$7600.00}. This was done by making an unauthorized payout to a Student load that is listed to my daughter. How can the bank sneak in payout that I am not even responsible for? 

They know that I was in a bind to close this loan which lasted months and I did not what to give XXXX another excuse to delay the loan for a higher rate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
Advance America credited a bank account that was not mine. I called immediately to tell them they'd deposited into the wrong account and was told they'd fix it. It's been TWO YEARS and they're still calling me to pay back a loan I never received. Advance America told me to call the bank they deposited the money into, but the bank basically laughed at me trying to discuss money into an account that wasn't mine. The calls are now harassing, as they call AT LEAST two to three times per day. I get nowhere with them when I explain the situation and who I've talked to ( which, conveniently, they never seem to have a record for. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
Lender : LakeView Loan Servicing Company NMLS : # XXXX Lakeview Loan Servicing : XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Problem : After repeated requests for the status of an imminent loan modification ( between XX/XX/XXXX - XX/XX/XXXX over 150 days ), Lakeview Loan Servicing LLC has not provided any electronic or written correspondence regarding the status of my existing mortgage. 

History/Details : I participated in the COVID-19, 90 day mortgage relief program in XXXX of XXXX. Note : The loan was current at the time I opted into the COVID-19 mortgage relief program - My credit score was/is around XXXX - There were no title issues at the time of my opted-in and there were no title or financial concerns between XX/XX/XXXX - through present day ) On XX/XX/XXXX, I verbally agreed and accepted the Lakeview Loan Servicing LLC option to expire the XXXX mortgage relief program. On XX/XX/XXXX, I also agreed that the existing mortgage would be modified to take advantage of the lowered interest rates. 
Lakeview Loan Servicings customer service members informed that paperwork would be sent to me and that the new mortgage terms would start in XX/XX/XXXX. 
Since the XXXX week of XX/XX/XXXX, I have contacted Lakeview Servicings customers service number ( on two weeks intervals ) to inquire about the status of my loan and the imminent loan modification. Each time I called, I was told that while the loan departments are extremely inundated, the mailing of any appropriate loan documentation was imminent. LakeView servicing refused to provide an email or letter form communication providing notification of status or receipt of prior communication. 

As of XX/XX/XXXX, I have not received any correspondence from Lakeview. 
I have incurred over ( {$18000.00} ) XXXX XXXX dollars of additional principle to my loan amount over this period. I am extremely hesitant to send unsolicited payments to the lender in fear that the payments would not be applied correctly or considering their refusal to provide reasonable communications, even acknowledged. 

I am very concerned that Lakeview Servicing is participating in lender misconduct or perhaps fraud. I would like to not only file this complaint, but take advantage of every opportunity available to help bring this to an issue to a close and if possible, protect me from any adverse results that may be incurred do to Lakeviews negligence.

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 2021-02-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called to report money missing from my BANK OF AMERICA EDD DEBIT CARD. The representative said he was going to be sending me a new card there were still a remaining balance in my account and he did not give me the option to transfer the money to another checking account. EDD then deposits an amount that Bank of America then puts together with the old account and closed it. Bank of America near that it was a new deposit but kept it with the problem cart and did not allow me to activate the new debit card that I received. After many phone calls to Bank of America and the EDD sponsor Bank of America keeps saying that the county is closed and they are basically holding my money XXXX I never got any money credited or any type of reimbursement instead I got a letter saying if you contact us by phone or in writing you may request that we reopen your claim for further consideration but they dont even do that they just say that it is closed and they can not do anything about it. One BofA agent had me drive to a branch to ask for my money a day before XXXX. BofA Agents took me for a fool. I even filed complaints if they allowed me but im not sure if they did file the complaints

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 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
OnXX/XX/XXXX I ordered a copy of my credit report & seen a WALMART CREDIT CARD/CAPITAL ONE BANK/XXXX XXXX on my account from XX/XX/XXXX in the amount of XXXX $ I have no clue how this account was created in my name. The debt was placed in collections the number attached is XXXX. The collection was opened on XX/XX/XXXX. IN XX/XX/XXXX I PLACED A FRAUD ALERT ON MY REPORT WITH THE 3 CREDIT AGENCIES. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY REPORT ASAP!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account listed as past due with XXXX XXXX XXXXXXXX XXXX XXXXXXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXX XXXX  XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX ; I made complaint with the CFPB : After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX. 

The Loan officer assigned this loan never returned my have dozen calls in the last weeks. Yet, the Bank officers I was able to speak with agreed the Bank was in error. Fifth Third responded to the CFPB complaint but not to me : the customer. After making all of my payments on time since the end of my deferral period ; the Bank has returned two of those payments ( as their servicing system can not catch up with the solution to this issue ). I have only received one of those refunds and NEVER CASHED THE CHECK ... so the payment is still at Fifth Third. I will NOT cashed the second returned payment if/when I receive it. This mortgage is current and on-time. The Bank, WITHOUT my request or authorization, has processed a further Deferral on my Mortgage. I neither asked for that nor will I accept it. I believe Fifth Third remains in a Mortgage Fraud situation and they could resolved same but just communicating with the customer on any of the calls I make almost every day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On Sunday, XX/XX/XXXX I performed my weekly check of my credit report through XXXX ( see latest report attached ). I was unpleasantly surprised to learn that my credit score had dropped 57 points due to a derogatory remark from National Credit Systems for a {$170.00} debt that does not belong to me. I called NCS ( XXXX ) the next day, XX/XX/XXXX @ XXXX XXXX. The operator was unable to find an account with my social, but put me in contact with an agent that was also unable to retrieve any details that matched what I was seeing on the credit report. I figured maybe NCS realized their mistake and the error was corrected. I decided I'd check the credit report again in a week to see if the remark was dropped. Unfortunately, a week later the misplaced debt was still on my credit. I called NCS again on XX/XX/XXXX @ XXXX XXXX  and had success with the operator XXXX determining the account number of the debt and also the agent Mrs. XXXX responsible for helping me resolve this issue. I called Mrs. XXXX shortly after @ XXXX XXXX as she was unable to immediately answer the phone after being transferred several times by the operator. Mrs. XXXX response was curt as our call lasted all of 5 mins with several minutes spent with her looking at the account details. She informed me that she would mail me a copy of the lease from XXXX XXXX XXXX XXXX in question and be in contact with the client to confirm I did not live there. The real kicker is this " due diligence '' step would take up to 30 days. That's not to say that this will be off my credit report by that time. My main problem with NCS, which is why I decided to file this complaint, is the debt collector should have done their " due diligence '' before they put someone else 's debt on my credit report not after the damage is already done where now this is unfairly impacting my lending opportunities. Furthermore, the age of this account debt is 6 years 4 months. I have received no notices or contacts from the debt collector or the leasing company before I contacted them after this appeared on my credit report. If this type of practice isn't illegal, it should be since this affects people 's livelihoods.

Company response to consumer: Closed with explanation