vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT THERE IS AN INACCURATE ACCOUNT THAT IS BEING REPORTED ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I received a letter ( XX/XX/XXXX ) stating my escrow balance was low and had 2 options. Pay XXXX and have a new monthly payment of {$3100.00} or pay nothing and have a payment of {$3200.00}. I chose to pay the {$790.00} and started sending {$3100.00} every month. 
The {$790.00} was misapplied toward principal and that's when this started. Upon seeing this and the late charge I called the company and was assured. The late charge would be reversed and to keep sending {$3100.00}, which I have been doing. 
But it never gets fixed, meanwhile late charges keep accruing. 
XXXX Called was told the {$790.00} will be applied correctly and late fees will be waived XXXX called and spoke to supervisor XXXX ( # XXXX ) confirmed my new balance and waived late fees. She did finally fix the XX/XX/XXXX called XXXX ( # XXXX ) Same assurances. I even paid {$67.00} to square my account. I regret doing this and think it should be refunded. 
XXXX XXXX ( # XXXX ) Saw XXXX payment was misapplied and promised to fix XX/XX/XXXX - XXXX Said the late fees will be reversed and my XXXX payment would be all set. 

But it is never all set. The late fees keep piling on and my account is never corrected. I've been led on and they won't fix it.

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 2020-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
They send your private bank account information over un-encrypted email, exposing you to identity theft and fraud. I have asked them to stop, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and there were several things on my credit file that were reporting incorrectly that I disputed and they took good accounts that they had no business removing. What is going on with them??? They need to report the paid as agreed and the open especially if they are going to report negative information. This is stopping me from making a financial move.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: GA

Complaint narrative:
I only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XX/XX/2007. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to  post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX  once my scores were above 700 they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my XXXX start. Its crazy! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: GA

Complaint narrative:
I only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XX/XX/2007. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to  post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX once my scores were above XXXX they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my tremor start. Its crazy! 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 2020-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was checking my credit report, and discovered a fraudulent account is reporting by MACY'S/DSNB ( ACC NO : XXXX ). I contacted with Macy 's and credit reporting agencies and stated that this Macy 's account did not belong to me. Also, I filed FTC Identity theft report and submitted this document to the company and credit bureaus. The XXXX, XXXX, and XXXX  deleted this fraudulent account. After all, XXXX reinserted the fraudulent account back to 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 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm not responsible for this account, i have any contracts or agreements with my signature.

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 2020-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm not responsible for this account, i have any contracts or agreements with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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: MoneyLion Inc.
State: NY

Complaint narrative:
I had filed a complaint on XX/XX/19, Complaint # XXXX, against Moneylion, because they reported me late on my credit report, as in the resolution of that claim, Moneylion stated that they would inform the credit bureuas that it was an error on their end, and have them remove the late payments. I have asked Moneylion to provide me with a letter stating as such, but still refuses to, and haven't received anything. I have uploaded my credit report, which still reflects that Moneylion hasnt amended the disastrous reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Improved Data Services LLC
State: UT

Complaint narrative:
On XX/XX/2020, I contacted XXXX XXXX at Improved Data Services. I firmly told him to not contact my extended family members as that is unacceptable and not appropriate for debt collection. After confronting him about contacting my extended family member ( 14 times in the last week and a half, which is absolutely unnecessary ) he stated it was to " verify my employment '' which is unnecessary as it is because I've not had a judgement or have been served papers for garnishment of my wages. I left him a voicemail stating I wanted no further contact as I've hired a bankruptcy attorney and that all contact will be going through them starting XX/XX/2020 and that I would be mailing them a letter stating I want no further contact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/20 I tried to temporarily lift a freeze on my credit with Experian and they are forcing me to mail a letter with a copy of my license, social security card and a bank statement. 

I have the correct personal information and freeze PIN number to perform this online but their site keeps telling me I have to mail a letter and all of this sensitive information with no explanation as to why and no way to contact them for help otherwise. 

This is outrageous, and these companies should be required to provide assistance for this. These " bureaus '' should not be for-profit businesses to start with, and they should not be allowed to hold up my transactions with this snail mail ploy.

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 2020-01-10 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX # XXXX, and Knight Adjustment Bureaus # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
Lazega & Johanson LLC is a company I don't know. I got a Police Report ( prev # XXXX Theft by Trespassing ) # XXXX ( Theft by Taking ) and FTC report # XXXX ( Identity Theft ) where I discovered the alleged debt accounts, judgment and lien on XXXX County without my notification nor any acknowledge. And they even attempted to take out money from my personal bank account on middle of no time, especially holiday times. 

I have sent this company my Police Report and request the verification of the alleged debt is mine on XX/XX/2019. Of course, they ignored my request by today. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, agreement, or anything with this company nor given permission to access my bank account to be pulled out money with this company. They made forgery document in court and surprisingly got a default judgment ( I could not response because I did not get public serve or any knowledge until they sent me a default judgment ). Illegal judgment made access my personal bank account and stole money as exactly as a rubber. ( once a fraud, forever a fraud. XXXX XXXX ) This debt collector named Lazega & Johanson LLC include XXXX XXXX XXXX and XXXX XXXX XXXX are unscrupulous and the law firm engages in trickery and extremely cunning, crafty fraud to bring serious white criminal. I saw 49 complaint against Lazega & Johanson LLC even this site on todays date. I am very doubtful whether they are in right response which is seriously take over the complaint and solved the issues. 
1. I want CFPB review their illegal forgery all documents and let Lazega & Johanson LLC stop criminal activities and return my money back immediately. 
2. Lazega & Johanson LLC made {$4400.00} forgery judgment against me and attempted take out from my bank {$5300.00} plus {$5200.00} plus {$4400.00} without taking a breath. 
3. Request Cancellation of Judgement and Lien against me instantly 4. Otherwise I will claim against them monetary damage and misusage of my name 5. And Public notification 6. Bring all unscrupulous individual to Federal court Criminal Trespassing definition is not only included real estate property, but also constituent property included monetary property. 
Crime Classifications, Sentences, and Penalties ( Georgia Code 16-7-21, et seq. ) Criminal Damage to Property, 1st Degree :  Felony ; 1 to 10 yrs. in prison, plus fine. 
Criminal Damage to Property, 2nd Degree : Felony ; 1 to 5 yrs. in prison, plus fine. 
Criminal Trespass : Misdemeanor ; up to 1 yr. in jail, plus fine.

Attached 1. Police Report 2. FTC Report 3. Criminal Trespassing Law in GA Definition, Sentences and Penalties 4. XXXX XXXX XXXX Lazega & Johanson LLC Corporation 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 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
O XX/XX/XXXX BBVA closed my business bank account. This account was charged off to the tune of {$140.00}. This amount was significantly lower than the more than {$500.00} in overdraft fees BBVA charged me and refused to remove. BBVA did this even after I pointed out that I had been double charged in some cases or these fees followed transactions as low as XXXX cents. 

In other words their fees caused this account to spiral further into arrears even after I was making payments toward the balance of their fees. 

They refused to remove any of them AND they also made it impossible to contact someone to escalate or dispute the manner in which these fees were charged. In any case, the account closed on the XX/XX/XXXX, however on XX/XX/XXXX a deposit in the amount of {$32.00} came into this account. Then on {$75.00} on XX/XX/XXXX and then {$50.00} on XX/XX/XXXX. This totals {$150.00}. 

I have attempted to contact Charge Off & Collections multiple times at the numbers I have been given and i have never been able to contact anyone. Can someone ANYONE help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Home Depot Credit Services owes me a {$25.00} credit. When I opened the credit card account on XX/XX/2019 Home Depot Credit Services offered me a {$25.00} promotional discount on my first purchase within 30 days of the account open date. The offer code is XXXX. The purchase was made on XX/XX/2019 for {$29.00}. 
I wrote to Home Depot Credit Services on XX/XX/2019 and XX/XX/2019 but they did not respond. I sent messages to them on their website but they did not address my problem. I tried to call them but could not get a live person on the phone. 
Please credit my account for {$25.00}.

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 2020-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
.. Loan Care XXXX XXXX paid flood insurance XXXX. On XXXX they paid it again for XXXX. I was in the process of changing insurance. I had called and asked them not to pay it. So they pay it twice. When I received my Statement. for XXXX payment I called and asked why they paid the ins twice, they had no answer. But was told I needed to get the XXXX payments back from the insurance for my escrow account. So I called the insurance several times. They sent Loan care XXXX back on XXXX paid XXXX for XXXX payment. I was told If I paid XXXX it would clear the shortage, if not my payment would XXXX. I sent the check on XX/XX/2019. But had to pay the XXXX for XXXX. I called and talked many supervisors they all said I didn't send a check. Kept telling me I was short XXXX they did several account disclosure statements. And told me I was wrong. On XXXX I paidXXXX. I called a supervisor again, this time she told me to send copy of the check to resolution team. So I did, they told me would be resolved by XXXX. I called they said no nowXXXX. they were supposed to call me both times. I called on the XXXX Now the check is in a suspense account. there till XXXX XXXX payment XXXX. They wrote me XXXX letters told me how seriously they take this, but can not reach them, on XXXX XXXX and XXXXOffice closed never calls back. I want to know why they stressed me out, Where was my money, why mistakes on their responses 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 2020-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TN

Complaint narrative:
I contacted Home Point Financial and spoke with XXXX, ID # : XXXX in the Loss Mitigation Department asked if the payment was due for XX/XX/2020 since I had completed the 3 trial modification payments. XXXX told me that " he could not tell me I needed to pay or not pay XXXX note since i had received The modification agreement because it was due for XX/XX/2020. However, you have to pay where you live. '' I asked him to explain that to me because I was confused -- either I needed to pay for XXXX or not. The loan modification letter states payment was due for XX/XX/2020 so I was only trying to get clarification. He repeated this to me. I asked him if I could speak with a supervisor because I wanted to make sure that I was going to be okay with my mortgage. XXXX advised that a supervisor was not available and took my name and phone number and said it would 3-5 days  before a supervisor could call me back

Company response to consumer: Closed with explanation