vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Hello, My mortgage is currently being serviced by Lakeview Loan Servicing , LLC subservicing by XXXX. They are very frustrating to work with I wish I didn't have to work with them. I have submitted my proof of XXXX XXXX owners insurance to them a total of 4 times. 3 times through XXXX  by calling XXXX and having them submit the correct documents, and another time directly through their website and even got a confirmation that I submitted the proof of homeowners insurance. But XXXX is still claiming they need proof of insurance. Every time I try to call them I wait on hold for over 30 minutes and I even try their call back feature and it never works. Today I was on hold for over 1 hour an still never spoke to anyone. I also paid for my XXXX homeowners insurance out of my own pocket, but that I why I have an escrow account, to cover my insurance but it was not paid for by the escrow account. So I need to withdraw funds from my escrow account to cover the money I spent. I also tried to submit a contact form though my online loan care profile but the website is broken and doesn't work. See attached screen shots of website broken, long wait times, website claiming they need my update homeowner insurance docs.

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 2019-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SD

Complaint narrative:
I keep getting debt collections calls and texts for someone who had my cell phone # at least 5 years ago or longer. 
I do not know who this person is and this harassment is endless! 
Obviously he got a different # so he could avoid these calls. 

When a new cell is purchased we are not given a choice on the cell # we receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I noticed an account on my credit from a company called Resurgent- LVNV Funding/ Account Number XXXX. I did not have their phone number so I sent them a certified letter disputing the validity of the debt based on the information that was available to me on my credit report. 

The letter was received- however, it's been 60 days to date and the account remain on my credit. They have yet to contact me and or remove the unknown entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 there were multiple transaction occur on my Bank Of Emerica Account. There were two transaction went thru : {$1000.00} cash withdraw at ATM at XXXX XXXX XXXX Illinois {$380.00} purchase at XXXX XXXX ( XXXX XXXX ) I was at work at XXXX Texas at the time. I call the bank and went to bank of America to close and withdraw all money remain on my account. After that I submited claim and file police reports multiple time but got denied. I event submit Police report but still have no money refund to me until now

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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX  ; XXXX and Transunion are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.

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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX ; Experian and XXXX  are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.

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 2019-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: FL

Complaint narrative:
My mortgage is with Loancare and I was affected by a hurricane and I was una disaster area and was in a hurricane monoturium with HUD after I was put in a modification trial and completed it and then was given the permanent modification all payments have been on time and no lates but the lender keeps putting me that I have late payments and has been destroying my credit that have gone back and fixed this issue already 2 times and now they did it once again I need this to stop happening and need to stop hoping and praying that someone does not mess up my credit every month

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 2019-07-25 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: OH

Complaint narrative:
I am contacting you today due to the lack of concern with Experian, XXXX and XXXX. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX XXXXXXXX XXXX {$280.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX   XXXX XXXX {$450.00} XXXX  XXXX XXXX {$300.00} XXXX XXXXXXXX {$300.00}

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 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
all credit agencies, portfolio recovery and XXXX  XXXX ... continue to make demands on fraud account not mines, account outdated / charged off and expired to collect in state of TN 4yrs on open ended/ credit card,. both companies violated FCRA, FDCPA and FCBA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
Hi, I was recently sued by an XXXX and a judgement was entered. The original judgement was entered on XX/XX/2019 for {$540.00} for the amount owed and court costs. On XX/XX/2019 a further judgement of {$2200.00} was entered for attorneys fees. When this law firm contacted me, they indicated I owed amounts which had already been decided in the judgement, specifically the {$1500.00} as indicated on the attached ledger and an additional {$3900.00} in attorneys fees. I have disputed these amounts and have gotten nowhere. Also, they are charging for attorneys fees which would have already been included in the judgement and are charging 18 % interest, which according to Colorado Revised Statutes XXXX, the most they can charge is 8 % when there is no other agreement. 

I have tried XXXX times to pay on this debt and they have rejected my checks saying there was a " restrictive endorsement ''. I indicated the monies on these checks was only for the judgement, since they are trying to charge me for other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax ; XXXX  and XXXX are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( reported twice on Equifax credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2019-07-25 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: GA

Complaint narrative:
A Mr. XXXX XXXX contacted a family member earlier today and when he was asked how he got the number, Mr. XXXX stated it was listed on his paperwork as a contact number. Mr. XXXX was informed that was not a contact number for me and not to call the number again. Immediately following that conversation, Mr. XXXX contacted the same family member once again but this time it was on his cell phone. When asked how he got the number, Mr. XXXX stated it the number was listed on his paperwork as a contact number. Again, Mr. XXXX was told that was not a contact number and was not to call the number again. Neither number Mr. XXXX called has ever been listed on any type of paperwork as a point of contact, Mr. XXXX lied. The family member called me with Mr. XXXX XXXX contact information. Upon calling the number given and entering the extension number provided, I was connected with Mr. XXXX. The call was regarding an old private student loan account with XXXX XXXX that was paid more than ten ( 10 ) years ago. Mr. XXXX insisted the only way to remove the file from them and to stop collection proceedings would be to provide a letter showing the account paid. I again told him the debt had been paid more than ten ( 10 ) years ago and demanded that I not be contacted at any number again regarding the matter. He became very ugly and informed me that they would continue to contact me. I stated that I knew the law regarding this matter and they were not to contact me. He stated he knew the law also and they would continue to contact me. I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One Savor Card. My Credit was pulled the next day. A week later I received a piece of mail from Capital One asking that I snail mail them a copy of my social security CARD, Individual Taxpayer Identification Number, and my Government Issued Photo ID - no information can be redacted. 

I am very upset that they pulled my credit, which dropped my score 5 points with a hard pull, and then asked me to verify my identity. If I had known they were going to request additional information to qualify for the card before I applied, I would have passed. 

I am now in a predicament that CapitalOne had the nerve to pull my credit, and then ask me to verify who I am. My credit should have NEVER been pulled if they were not 100 % sure I was the one to request the card. The process should be that they are absolutely sure of my identity, request documentation, and allow ME to decide if I want to continue with this application before they degrade my credit score. 

Application -> Verify Identity -> Pull Credit ; it should NOT be Application -> Pull Credit to verify it is worth pursuing -> and then request that I verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am contacting you today due to the lack of concern with XXXX, Transunion and XXXX. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$280.00} XXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXXXXXX XXXX {$450.00} XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX {$300.00}

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 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am contacting you today due to the lack of concern with XXXX, XXXX and Equifax. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$300.00} XXXX   XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
So I was only to be placed on the loan as a secondary person and the request for the loan was denied then I was under the impression that that was it when later looking at my credit it was seen that they in fact ran my credit multiple time and has me as the main lend holder and I was unaware of this until get my credit report pulled. World Omni has the incorrect information and they are very rude when assisting me with the situation.

Company response to consumer: Closed with explanation