vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
1. Complaint is a dispute with a loan/mortgage company, Lakeview/XXXX. 
2. XXXX is refusing to apply a payment of {$710.00} to my XX/XX/2020 mortgage payment and waive the late fees. 
3. XXXX misapplied a payment of {$710.00} and it wasnt applied to my XX/XX/2020 mortgage payment. 
4. The complaint is against Lakeview/XXXX  : Lakeview Loan Servicing , LLC 5. FYI It may be an FHA loan. Im not sure. 

In XXXX of 2020, I made 2 mortgage payments from my XXXX XXXX XXXX  so that I could get ahead of my mortgage payments : A payment on XX/XX/2020 for {$2100.00} ( Actually, a little more than my mortgage payment ) for my XXXX payment A second payment on XX/XX/2020 for {$2100.00} for my XXXX payment I continued to pay the {$2100.00} until XXXX of 2020. I did not have enough money in my XXXX XXXX  for the full mortgage payment. 
So, on XX/XX/2020, I paid {$1400.00} out of my XXXX XXXX, and on XX/XX/2020, a check for {$710.00} was issued from my XXXX account for the balance of the XX/XX/2020 mortgage payment. After that, I continued to make my usual {$2100.00} ( slightly more than a regular mortgage payment ), to this day. 
Lakeview/XXXX  misapplied the {$710.00}. What? Did they think it was just a gift to them? 
They have continued to accuse me of being late with my mortgage payments and charging me late fees since XXXX of 2020 I only recently figured out what happened. I contacted XXXX and they refuse to credit the {$710.00} to my mortgage or to refund me/waive all ( or any ) of the Late fees. They say they can not, but Ive worked with computers, and Im sure somebody can. And I mean, if grocery stores can process split payments, I would think that a big loan company, surely could and should be able to. 

Not only does this put me in a difficult financial situation and is probably doing a number on my credit rating, but I feel as if they are stealing from me, and who knows how many others. 
I'd attach documents but I can't redact personal information from them.

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 2021-08-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could someone at CFPB please address this. 

I have tried obtaining an answer with Experian. This is another attempt. 

I received my updated Experian Credit Report. My Experian Credit Report indicates that this one XXXX account ( Account Number XXXX .... ) has been charged-off ten times. 

Is that right. Can one account be charged-off ten times? 

Please contact me at ( XXXX  ) XXXX, if further information is needed. 

Thank you. 

Sincerely, XXXX XXXX XXXX SS # 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 2021-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management was sent a notarized and signed affidavit about their clear violations of FDCPA and FCRA. They continue to contact me via mail to collect an alleged debt. 

Midland is in violation of 1. 15 USC 1692b ( 2 ) 2. 15 USC 1692b ( 5 ) 3. 15 USC 1692b ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was using transunion to get my free credit report and i was required to make an account to see my credit score. After i entered my information including a credit card i was charged for a monthly subsciption for credit monitoring i was not aware of. I was just trying to get a free credit report as stated on XXXX. I was charged not once but twice. {$27.00} each time for a total of {$54.00}.

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 monetary relief
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Today ( XX/XX/2021 ) I've tried contacting Equifax, the first person hung up on me on accident. The second tried to be helpful but their joke of a system wouldn't verify my identity. They sent a link to take photos of myself and ID, no big deal. Other than even with crystal clear photos it still denied the photos of my id until it denied me anymore. They haven't updated any of my credit report in 3 months and when I've done so much to get it up to be able to expand my company this is unacceptable. To not be able to get the help you need or even just keep denying the photos without any error or explanation is just sloppy. I'm not just disappointed, I'm angry, this is holding my income back exponentially and there is no excuse for any of this. Their agents aren't even able to give callbacks to the people their supposed to be helping. I really hope that something is done about this system since it is so important for people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery filed a collection against me for a debt I had believed to be settled. They called me at my employer once previously using my employers phone number. I told them then to cease and desist, and requested any further communication be through mail. They stopped for a little while but now I receive 3-4 calls a day through varying phone numbers from them. If I block one, they use a different one. I warned them before if it continued I would file a complaint, if that does not work I will contact my State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I almost finishing paying my car loan with an interest for 22.95 % and we got charge three different times miscellaneous fee. XX/XX/XXXX {$300.00} -- misc. fee {$25.00}. XX/XX/XXXX {$500.00} -- misc. fee {$160.00} and {$25.00}. When I contacted customer service they toll me is because I paid by phone in XXXX, XXXX and XXXX. I told them that i never pay by phone that I always pay online. The response was that they do not give the customer any fees back. It is very annoying to contact Santander, you never received any good response. They charge excessive interest!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX filed a collection against me for a debt I had believed to be settled. They called me at my employer once previously using my employers phone number. I told them then to cease and desist, and requested any further communication be through mail. They stopped for a little while but now I receive 3-4 calls a day through varying phone numbers from them. If I block one, they use a different one. I warned them before if it continued I would file a complaint, if that does not work I will contact my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX owned by XXXX XXXX, XXXX gives notice of an account balance of {$610.00} sold on XX/XX/2021 to Spring Oaks Capital , LLC who now is owner. 

Although XXXX XXXX, XXXX states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to Spring Oaks Capital , LLC of which I am confused about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: MO

Complaint narrative:
I XXXX XXXX, entered into a consumer credit transaction with UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a INSTACREDIT AUTOMART on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a/ INSTACREDIT AUTOMART in fact took cash. The finance charge is supposed to include insurance, but UCA, INC d/b/a INSTACREDIT AUTOMART made me purchase insurance separately. UCA, INC. d/b/a INSTACREDIT AUTOMART did not present me with a Right of Rescission in this consumer credit transaction which is a violation of 15 USC 1635. Upon violating my rights as a consumer under Truth & Lending Act, this same company also committed fraud under the FDCPA. These FDCPA violations include invading my privacy, used profane and obscene language, damaged my reputation as a consumer, used unfair and unconscionable means to collect the alleged debt, furnished misleading and deceptive forms, and has caused a tremendous amount of actual damages behind these fraud acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive never been late on my account I was to to dispute it on my end and they Best Buy would update the credit bureaus with the correct information and for me to wait till the next billing cycles but they never fixed the problem and the late payment caused me to get denied on my refi

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 2021-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
I paid interest only for the last 16 years, i paid approximately XXXX, my loan only XXXX During pandemic i failed to pay few interest payments approximately XXXX, i did modification but the company refused to waive that interest in order for me to be current, i resumed to make payments starting XX/XX/2021, but still owe the back interest of approximately XXXX I got cheated once this loan initiated, I didnt know its interest only, after 16 years of payments the principal still the same. 
I dont trust the mortgage company I feel they doing this practice on purpose to foreclosure on my home for XXXX, my house worth XXXX I need help to get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
complaint id:XXXX : this complaint was not resolved to my satisfaction ; paypal did not answer my questions ; wrapped their response in a lot of jargon! 
from what I understood, the cash advance I took in XXXX  is still unpaid after 4 years! 
I have been charged {$10.00} cash advance fee in addition to other finance charges per month since XX/XX/17 ; this cash advance interest will be charged until the cash advance is paid off! according to paypal credit, when a payment is made they take finance charges off, any fees, any special/promotional offer charges, then apply the rest to principal ; therefore paypal credit has applied only cents toward the cash advance principal! ; I, ve been charged almost {$10.00} per month in finance charges since XX/XX/17 ; according to my math that's {$450.00} in finance charges till now for a {$650.00} cash advance!!!!!!!!!!!!!!!!!! that's usury!!!!!!!!!!!!!!!!!!!!!!!!! ; in the response letter, paypal credit stated I can designate an amount of the payment to go toward the advance, I believe ; I am not sure because of all the unnecessary jargon in the letter ; I could be wrong again. basically I will never be able to pay off the cash advance this way unless I pay off the entire balance ; at this point this is impossible for me ; so paypal credit would drain me as much as they can. shame, really

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 2021-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: OR

Complaint narrative:
I receive two letters from Tate & Kirlin Associates , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX, dated XX/XX/2021, saying : " This account has been listed with our office for collection. This communication is from a debt collector and is an attempt to collect a debt. Any Information obtained will be used for that purpose. 
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor.if different from the current creditor. '' Included were reference numbers # XXXX and # XXXX On XXXX I called Tate & Kirlin Associates , Inc. at XXXX and asked who these creditors were. They said XXXX and XXXX XXXX. I told them I had never heard of them. They said that the creditors had my email and my credit card #. I told them the email address was correct. but that I did not have that credit card for a couple of years. They said they would contact the creditors and let them know that I did not have that card. 
Then I said I though this was a fraud-scam and asked who I should report it to? They said not to worry and that they would take care of it and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive never been late on my account I was to to dispute it on my end and they XXXX XXXX would update the credit bureaus with the correct information and for me to wait till the next billing cycles but they never fixed the problem and the late payment caused me to get denied on my refi

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 2021-08-14 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I sent American Express ample evidence that I lived outside the United States during a period when my identity was stolen. Their response was to put a delinquent account remark on my credit reports. This is an extremely unpleasant company. It's like the toxic people at AMEX are double victimizing me by punishing me for having my identity stolen. They are expletives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: FL

Complaint narrative:
My name is XXXX XXXX of XXXX 's XXXX XXXX I have a business account with Bank of America I had to open a XXXX of XXXX back in XXXX I contacted Bank of America letting them know that someone is watching my account and it was basically left on deaf ears there was a lot of money going into my business account none of the notifications were put on there letting me know how much money is being spent, then in XX/XX/XXXX I received a lawsuit from the some company that I have never done business with also they frozen my account that had XXXX which was in my account ending in XXXX, I knew something like this was gon na happen look what happen, but here what was going on your legal department kept sending out checks that of XXXX the reverse XXXX back into my account on XX/XX/XXXX then they sent me a check for XXXX for that I put back into my account with other credits I got which total XXXX dollars then that money went frozen now they ended up giving the credit XXXX and mind u my account had XXXX in it. Then I open my account in XXXX with Bank of America that ends in XXXX I then contact Bank of America due to my account falling below XXXX dollars so then my app was showing that all my money was in my account its not until I checked a couple days later it showed that my money was missing, most of the transactions was done online, I was able to get back some of the money but the 3 XXXX  XXXX purchases and the XXXX I didn't make that purchase Bank of America denial of my claim was due to me not opening up the claim when I saw it and I explained to them that it wasn't showing up for me, also my account ending in XXXX that was the account I was in trying to get that fixed and that's the account was I was focused on also that's it so also my account was showing hacked my account was showing that there was fraud, then following that I had to open up other claims that have been credited back but the other claims have been denied stating that there's no fraud, I will like my money back for claims.

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I sent XXXX XXXX ample evidence that I lived outside the United States during a period when my identity was stolen. Their response was to put a delinquent account remark on my credit reports. This is an extremely unpleasant company. It's like the toxic people at XXXX are double victimizing me by punishing me for having my identity stolen. They are expletives.

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 2021-08-14 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
All of a sudden upon review of my credit score I see that I have an item in collections that I have never heard of before : FIRST FEDERAL CREDIT CONTROL Under dispute Account Info Account Name FIRST FEDERAL CREDIT CONTROL Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$230.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$230.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX owned by DNF Associates, LLC gives notice of an account balance of {$610.00} sold on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX who now is owner. 

Although DNF Associated, LLC states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to XXXX XXXX XXXX XXXX XXXX of which I am confused about.

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 2021-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My bank account was hacked and capital one says its my fault because I have malware on my phone. 

I sent them proof of my apps and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
i dont know where that XXXX reinstatement fee comes from on aXXXX loan that was15 ye ars old and i like to know who the trustees and attorneys names in this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: MD

Complaint narrative:
A recent pull of my credit report found a collection from Grant & Weber. I wrote to them in XXXX requesting they provide proof of this debt. They only provided an itemized statement. They are refusing to remove the debt or provide any verification that this debt is in fact mine.

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