vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview Loan Servicing has been servicing our mortgage since shortly after we closed on our new property back in XX/XX/2023. They are a very dishonest and abusive company that is attempting to steal money from its customers. Here 's what happened : XXXX. We received a supplemental property tax bill from XXXX XXXX in XX/XX/2023 XXXX. We called Lakeview and asked if they were going to pay it, they said no- they do not pay supplemental taxes and that we need to pay it XXXX. We paid the first installment of the supplemental tax bill ( 2 in total, 1 due in XX/XX/XXXX due in XXXX ) XXXX. We received an annual escrow analysis that showed a shortage and bumped our monthly payments up significantly. This escrow analysis showed that Lakeview paid the supplement tax bill, had a much higher insurance premium than our policy, and showed projected disbursement in XXXX as including the second installment of the supplemental tax bill XXXX. I called XXXX, and they said they don't know what happened but they received a refund for the double payment of the supplemental tax. I asked them to adjust the escrow analysis and they said it would take 10 days XXXX. 18 days later I checked and there was no update on the escrow analysis, I called and the agent didn't know what happened and opened up another ticket They are feigning ignorance / incompetence and blatantly trying to steal our double supplemental tax payments ( > {$6000.00} total ) and overcharge us for insurance. I still do not know if they will credit the refund they received from the first double payment of the supplemental tax or what the projected disbursement in XXXX will be ( are they paying the second installment of supplemental tax? or are we? or do they expect us to double pay again so they can pocket the refund ). 

Please help.

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 2024-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX, I purchased a XXXX card ( aka Vanilla Visa ) with a balance of {$80.00} from XX/XX/11. I made two purchases on XXXX ( $ XXXX {$30.00} ), after which the card was locked and I was unable to check my balance. Another purchase on XXXX for {$10.00} failed so I called them on XX/XX/XXXX at XXXXXXXX 

The customer service rep took my full information and asked me to verify transactions. I mentioned all three above. He did not feel that this was enough and wanted to send me a replacement. I asked for the card to be unlocked and he refued. 

I asked why the card was locked and he wouldn't tell me. He also wouldn't tell me the remaining balance. At this point I felt uncomfortable and requested a final unlocking of the card which was refused. He then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerly XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I had a checking account with PNC bank, but it got closed on XX/XX/XXXX. They did not give me a specific reason for the closure even when I asked for the information. The only reason I could think of is that I got scammed by a fake check on XX/XX/XXXX. I notified the bank about it before they approved the check, yet it caused my account to Low Cash Mode multiple times as they tried to confirm the check. I went to their branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to check if my account was ok XX/XX/XXXX. Then they told me that everything is fine as I communicated the possible fake check scam. However, they closed by account and sent me a check of remaining money in my account. This caused me unable to open another bank account in other banks as Involuntary account closure is now on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to bring to your attention certain inaccuracies in my credit report that require prompt correction. I have identified discrepancies in the reported addresses, names, and employers that do not accurately reflect my credit history. I request your assistance in updating or deleting the following information : Addresses : I request the removal of any addresses on my credit report that are not associated with the following addressXXXX XXXX XXXX, XXXX, MI XXXX Names : Please ensure that my name is accurately reported as " XXXX XXXX XXXX XXXX Remove any variations or misspellings of my name that may be present on my credit report. 

Employers : Remove any references to employers that are not accurate. Specifically, I request the removal of employers associated with " XXXX '' and " XXXX. '' I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and seek correction of inaccurate information on my credit report. I kindly request a thorough investigation into these matters and prompt action to correct the inaccuracies. 

Please provide me with a written response detailing the results of your investigation and the actions taken to update or delete the inaccurate information. I trust that your agency will adhere to the provisions of the FCRA to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Please reference complaint XXXX. In short, Nelnet will not correctly report information on this student loan account. The loan was discharged in XXXX after my XXXX died in XXXX. I was the co-signor on the loan. Nelnet confirmed in writing in response to the aforementioned complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. XXXX seems to be reporting correctly. 
However, XXXX and XXXX are reporting that I am deceased. XXXX indicated to me today that they had corrected this information internally on XX/XX/24, but that Nelnet furnished information indicating that I am deceased on XX/XX/. Disputes with XXXX and XXXX are currently in process to correct this, but XXXX is indicating that Nelnet is to blame here. Unfortunately, Nelnet is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CarMax, Inc.
State: MS

Complaint narrative:
I bought an XXXX from Carmax and subsequently lost my job and haven't been unable to pay it. I took the car back to a Carmax dealer and got an offer for XXXX which seems fair however CarMax finance is saying that I owe over XXXX. One that isnt the best and second the original amount was XXXX. So on top of insane fees Im looking at a short sale of sorts. I asked if CarMax finance had a way to do that and basically got a no so my only option would be to let them charge it off at the end of this month and then it would have to be repossessed which means I would get a whole lot less than the XXXX and then at that point it becomes an unsecured debt. That difference would be substantial plus fees! I clearly cant pay it off. Its several months past due and I understand CarMaxs finance issue but I think its insane to not be able to sell it to the dealer ( owned by the same company ) and then let them either add more if they can sell it for more or at least charge of the smaller amount if they allowed me to sell it for what its worth. Its in great shape ( thats not my opinion that is exactly what the dealer said ). There has to be an option to sell it without just letting it get repossessed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Regarding my credit dispute from a charge dated XX/XX/XXXX ; XXXX in the amount of XXXX. Merchant name is XXXX XXXX. On XX/XX/XXXX Capital One told the CFPB that a credit was placed on my account in the amount of XXXX. Upon review of my account there is no credit on my account in the amount of XXXX. Instead there is a debit of XXXX on XX/XX/XXXX. 
Capital one case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nations Info Corp
State: MI

Complaint narrative:
I received a credit card charge yesterday for {$1.00} for something I did not sign up for. Following the charge on XXXX, I was led to " Your Score and More ''. After 15 minutes, the service line ( that I had to dig for a long time to find, as the one on the website is clearly fake ) finally answered and it sounded like someone was loudly watching football. Preprepared script attempting to upsell and wouldn't take no for an answer until I said I was going to report them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the Fair Credit Reporting Act, it is essential to ensure that consumer reporting agencies carry out their duties fairly, impartially, and with respect for consumer privacy rights. XXXX Equifax and XXXX, as consumer reporting agencies, are obligated to respect my privacy, as stated in 15 USC 6801. Furthermore, according to 15 USC 1681, these agencies must only furnish a consumer report based on the consumer 's written instructions, to which they do not have my consent. Additionally, 15 USC 6802 requires a financial institution to provide an explanation of how a consumer can exercise the nondisclosure option, which has not been provided to me. The agencies are also reporting adverse information without my permission, which is in violation of the law. Moreover, they are not maintaining reasonable procedures as required by 15 U.S. Code 1681e, and I am choosing to opt out of their reporting services, as allowed by 12 CFR 1016.7.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: GLOBAL CREDIT UNION
State: TX

Complaint narrative:
CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH GLOBAL FCU AND/OR ALSKA USA FCU. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX XXXX XXXX  ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO XXXX, XXXX, XXXX, XXXX XXXX, AND ALL OTHERS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I was at my place of work and I received several text messages that charges were being made on my card along with ATM decline fees. I immediately called XXXX and explained that these charges were not authorized or being made by myself. I keep a fair amount of money in the account so there should have been no Decline fees. 
I asked the employee at XXXX  " XXXX '' to put a freeze on my card immediately and she ordered me a new card for a fee. a few minutes later I received more text messages with charges and ATM decline fees from a different bank location, I again called XXXX and asked if my card had been frozen because of fraudulent charges, I was told no and I went into their website and my account a put a freeze on it manually. This after a total of {$750.00} was taken from my account plus several ATM and decline fees. 
I immediately filed a " Declaration Of Fraud '' with XXXX  and XXXX days later received an email stating ( Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account ) I then was very upset and requested to have another Declaration Of Fraud opened and I sent along supporting documentation and was once again sent the exact same response as before.

My co-worker who was in the office with me when this first occurred then wrote a letter on my behalf explaining again what happened along with supporting documentation and again was sent an email with the following message highlighted " Goods and Services ; Transaction was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Kindly examine the attached documents provided herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> and XX/XX/year> I submitted disputes on a collection appearing on my credit report. Both XXXX and Experian responded back and notified me that the results of their investigation were updated. However, on both occasions, they did not provided me with the physical verification as I had requested.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/2023, I notified Bank of America that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Bank of America has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Bank of America complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Bank of America. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.

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 2024-01-19 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
MY INFORMATION WAS SOLD & BROUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF XXXX XXXX XXXX. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY! I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO RESOLVE THESE MATTERS. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. (ACCOUNT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT # XXXX, DATE OPENED XXXX), (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), (ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-INQUIRY XXXX), (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-INQUIRY XXXX), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- INQUIRY XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX9-INQUIRY XXXX & XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-ACCOUNT  # XXXX-DATE REPORTED-XXXXDATE OPENED 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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Back in 2020 around XXXX I had my identity stolen which resulted in numerous attempts at XXXX loans through lending tree. One of the companies that accepted the fraudulent loans was speedy cash for XXXX dollars. Once I had found out about the charges I had made a report with the Federal Trade Commission regarding the Fraudulent charges and had hoped they would've been dealt with. 3 years later I see I got a ding on my credit score and apparently the XXXX loan was sold off to a XXXX party collection agency. I am unable to access the FTC report because my account has since been deleted and attempts to get it from the local police department have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TN

Complaint narrative:
i was in a XXXX XXXX relationship with my x husband who is XXXX XXXXXXXX XXXX XXXX  for his actions against me and my son. i found several accounts he opened in my name that i had no knowledge of or had given permission to be opened. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknown. 

a ftc report has been filed and is attached to this complaint.

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