vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC
State: AL

Complaint narrative:
I have tried to payoff of LoanCare, XXXX this balance for over a week. I called XXXX XXXX to get a payoff amount. I questioned the amount given because it was principal only. I made that payment. I followed up and there was still a balance. I requested a new payoff XXXX XXXX. I received that statement, called that day and made the payment over the phone. the payoff was good through XXXX XXXX. I made the payment XXXX XXXX. I checked back on the website and there was still a balance. Someone called me XXXX XXXX and assured me the balance would be at XXXX when the all the updates were made. as of this morning, XXXX XXXX, there is a balance. The loan is set to be transferred to a new servicer as of tomorrow. I called today at approximately XXXX CDT and spoke with customer service then was transferred to XXXX XXXX The loan is still showing a balance. Someone at their company didn't do their job, and I'm having to follow up too many times.

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 2023-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been banking with ING direct for a long time to get best interest for saving account. ING direct have given us interest as promised never tricked. In XX/XX/XXXX, Capital one bought ING direct and converted our accounts to Capital One 360. They have been managing same way till XXXX. We got under the impression that they are doing the same as ING direct. In XXXX all of sudden they created another type of saving account ( 360 performance ) for better interest and brought down interest on this account without any information. We always thought what ever account we have is giving the best interest they are showing on their website. Only this year we realized that our account type is giving lowest saving interest. for the last 3 years we received lowest interest possible. We believe they purposeful did this trick by not informing. ING direct always very straight forward and maintain only one type of saving account. Capital One never bothered to inform when they introduced new type saving account. Like us lots of customers would have lost interest because of this trick. I have lost lots of money because of this trick by capital one. Can you please help us resolve this issue. Please let us know if you need any details to prove this Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX, I filed a CFPB complaint ( # XXXX ) regarding the reporting for XX/XX/XXXXXXXX XXXX 

I received a response stating that it would be updated to " current '' on my credit report when it reports in XXXX. Grain has reported for XX/XX/XXXX and it did not update the late payment for XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
Hello, I have been fighting against identity theft for the last few years periodically I will find inquiries and new accounts that do not belong to me. This has been an ongoing battle and has been very different stating in my life. Ive also had to go to the instead of getting a police report for XXXX XXXX XXXX to get them removed off my credit. I have been in contact with the police department over identity theft and this is becoming very exhausting. my identity has been compromised and this has been overwhelming. I The put in a complaint with identity theft.gov in the hoping attempt of this XXXX it Thank you

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Im begging you please remove this to the credit report

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 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX, Freedom mortgage directed an unauthorized ( meaning not authorized by me ) allocation of funds from interest to principle. Instead of dividing the payment for XXXX into allocations of both interest and principle, they allocated 100 % of the payment to principle. I do not know why they did this and they are unwilling to admit to why they did this. Freedom mortgage reported that I missed a payment towards the interest of the loan for the month of XXXX. This has impacted my credit score which has dropped as much as XXXX points. 

Freedom Mortgage has called me stating they are a debt collector and requested that I not cash any checks they sent to me. 

Prior to XXXX I requested removal of PMI since I was eligible because my account was in good standing. 

They approved the removal of PMI and implemented it but the implantation resulted in accounting errors and miscommunication between internal departments. They incorrectly pro-rated over-payment of the PMI amount prior it's approved removal and started sending me checks in that amount. The month the PMI was to be removed was the same month the misallocation of the monthly autopayment was made to 100 % principle.

They now state they have not made inaccurate reports to credit bureau 's but have stated that they have amended reports to state that my account is " current ''

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 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
In XXXX we refinanced our home and ended up with Lakeview Loan Servicing LLC. Their headquarters are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Then in XXXX I noticed that our escrow was calculated wrong. 
We own a lot that had a one time tax of {$97.00} and then the house taxes were 4 times {$710.00}. I realize that wasnt then numbers on the statement online at the website of Lakeview Loan Servicing LLC. So immediately connected with Lakeview for them to fix our escrow issue. Unfortunately, they dismissed me multiple times. I ended up sending a Notice of Error with registered mail and again had no response. Then in XX/XX/XXXX I received our new escrow analysis and due to their error we are {$2800.00} short! I understand that our taxes and insurance have increased but according to that we would only have a {$33.00} increase a month on the mortgage, not a {$440.00} increase! 

I decided because Lakeview wasnt responsive then file complaints with various agencies. The OCC, XXXX  and AGs office. None of them were of any help, except the XXXX. The XXXX  was the only agency that got Lakeview to respond back and to admit that they made an accounting mistake on their part, but they are not willing to credit us the full amount. They calculated/projected on paper 4 times the lot taxes of {$97.00} and only calculated/projected the house tax one time {$710.00}. But again are only willing to credit us with {$1400.00} not the entire amount of {$2800.00}. Right after the XXXX  decided to close this complaint. What is absolutely nonsense, because we rejected the offer because they are willing to only credit us half of what they own us. What is fraudulent. 
We did go and check with the City of XXXX and they did say they received the correct amount from Lakeview the one time {$97.00} and 4 times {$710.00}. but again, on paper they calculated/ projected it wrong and it made our escrow short. I ask that the other half {$1400.00} gets credited ASAP, and that there will be a full investigation into Lakeview Loan Servicing LLC, and all other affiliates with them. To not be willing to credit us with the right amount due to their negligence is fraudulent. 

This company has unethical business practices and are doing this, I am pretty sure knowingly.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
IVE CALLED SINCE XXXX ABOUT MY CLOSED ACCOUNTS, THEY INFORMED IT WOULD BE SENT BACK TO THE IRS AND I CALLED THE IRS NUMEROUS AMPUNTS OF TIME AND THEYVE TOLD ME THEY DONT ACCEPT THOSE PAYMENTS BACK THEY ARE TO BE SENT DIRECTLTY TO ME. ON XX/XX/2020 XXXX, EMPLOYEE NUMBER XXXX WITH BANK OF AMERICA RISK CLOSURE DEPARTMENT, WHOM IS A MANAGER ALSO TOLD ME THEY WOULD SEND BACK TO THE IRS ITS THE 2ND INVESTIGATION ON THIS CASE AND THE 1ST ONE THEY DIDNT FINE ANY ANSWER

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDITS I SAW NEGATIVE ACCOUNTS ON MY CREDIT REPORTS

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bank XXXX : # XXXX, Extra : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX IL # XXXX Credit collection serv # XXXX North XXXX XXXX XXXX XXXX North XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OK

Complaint narrative:
Auto payments to be pulled on the XXXX and was, but an additional payment taken the the XXXX. Called and was left on hold for over XXXX hours with no estimated wait time or queue position, emails also going unanswered. Person information I have updated with them never being recorded, address and zip code to log in is from 10 years ago despite being updated again 4 months ago when my loan was transferred back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX XXXX XXXX -RESIDENT VERIFY XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Been making payments to music getaway for the amount of {$560.00} on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 i have been filming disputes claims with chase and have been denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I fell behind because of Covid. Then coming out struggled with all the other bills as well. From forbearance there was a modification agreement being made and every time 5 times now. The documents were either not sent to all parties involved. Not sorted properly by freedom this ranges from XX/XX/2023 until present however the notarys that freedom sent out did their jobs to the book and still after sending them in. Documents on freedom mortgages side were miss handled or miss placed So finally I asked for the documents to be sent to all three addresses. They said fine. Only 2 would get sent out. This last time. Nothing was sent out. But now they took me off of the modification. Countless communication and still no results. Or I get answers after its too late Now with no where near what I owe my whole family is at risk of losing where they live. All record of communications are in freedoms possession

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 2023-10-31 00:00:00
Product: Credit 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: DISCOVER BANK
State: MO

Complaint narrative:
I opened a case with Discover Card 3 times, I submitted requested information. There were phone calls, & letters by both parties too numerous to list, but recorded. I was a victim of gift card scam and Discover has said that unless I have new information, not to make another case. 

Discover has said that because I authorized the transaction, I am responsible for the debt and no fraud committed. 

The scammers posed as XXXX and then Discover. I was threatened with child XXXX on my computer and a {$10000.00} charge to Discover from XXXX for child XXXX. I was told not to talk to anyone and only talk to Discover man in my car. He told me to go to XXXX and purchase 20 gift cards in {$500.00} denominations. I was crying and in my pajamas and went to XXXX. He told me to leave my phone on and purchase gift cards. I went inside and the clerks gave me the gift cards without hesitation or any questions about my appearance or condition ( crying, in pjs and disheveled hair. ) I got really upset because the purchases scared me and I stopped at 11 cards & {$5500.00}. I went to my car and he said to read the numbers on the back of the cards. He said that was not enough and to go to another XXXX, leave the phone on and drive. I drove to another town to XXXX. The clerk would only give me one {$500.00} gift card because of scams. I went out to my car and the man put me on hold and then said to go to XXXX XXXX with the phone on. I drove back to my town and went to XXXX. They did not want to give me the cards and said because of scam. I convinced them to give me {$4000.00} worth of gift cards. I was terrified and told him I was going to the FBI and he said the FBI and my bank were in on this. I didn't know what that meant but I was crying heavily and very scared. I was in my pjs and it rained all day. He kept me on the phone for five and a half hours. I have it documented and I had verified both the XXXX & Discover persons credentials. I thought I did my due diligence but they had me held up on the phone and threatened me with child XXXX and jail. I recovered the {$4000.00} from HD because scammers hadn't spent yet, XXXX XXXX has said forgiven {$3000.00}, but Discover Card has said I am responsible for the {$6000.00} debt because fraud was not committed, I gave permission. I WAS HELD UP ON THE PHONE AND THREATENED WITH CHILD XXXX AND JAIL. NOT ONLY ME BUT MY SON TOO. I AM ELDERLY AND ON FIXED INCOME. I CAN NOT MAKE THE MINIMUM PAYMENTS. THIS IS FRAUD. PLEASE HELP ME. THANK YOU IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I closed on a home I purchased. XXXX XXXX XXXX XXXX is my lender and banker for my business account. 
While in the selling process I discovered the buyer was using a VA loan to purchase my prior home I sold to him. 

Moving forward to XX/XX/XXXX. I received a call from someone wanting to buy the home to add to his investments. I explained it was already sold to a vet buyer. He then explained to me the home was for rent on XXXX and I was the name on the Property Appraiser site. I hung up and looked up the address in XXXX and sure enough its there. 

Knowing VA loans ( my half brother, step dad, dad, and grandpa ) VA loans require you to live in them. Sure you can rent a room out, but this ad is for the full 3bdrm 2bth house. The price doesn't make sense for that to be a room price either. 

So I called the VA hotline, gotten a REF : XXXX, and on XX/XX/XXXX, and XXXX I called Rocket Mortgage the lender of the individual whom bought this home. Rocket Mortgage after giving me their sing-a-long song and dance routine I finally got to someone whom promised me a reply in 72 hours. That individual called me and she assured me they would get this taken care of. Well here is the problem. It's not been taken care of. The ad is still listing on XXXX for rent, and I am still getting calls on the property. 

I am fully aware the individual is supposed to live there and CAN rent other rooms. But this is NOT the case otherwise the 3bdrm 2bth house would list as 1 or 2bdrm for rent. Not the full 3/2, nor at that price point. The neighbors XXXX, XXXX, XXXX and XXXX all confirm no one is living in this home. 

This neighborhood is an extremely tightly close group of home owners and they all watch out for one another and work to keep squatters out, and communicate with each other. It is a true neighborhood watch community with monthly meetings. 

The VA user details I can provide as instructions above stipulate not to include in this complaint. 

Rocket Mortgage still to date hasn't taken care of this issue and the ad is still listed. I DID report the listing today with XXXX as a problem address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I am a victim of identity theft. I am requesting inquiries to be deleted off my report as they are unauthorized and not made by me. I have attached supporting documents then my identity has been stolen and I am in the process of recovering and clearing it out.I have reports from XXXX XXXX XXXX also froma submission sent in to the FBI about my accounts getting hacked and stolen funds.

Company response to consumer: Closed with explanation