vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I recently got a divorce, and was given the house. For the past month, I have submitted numerous request by phone, by email, and through Lakeview Loan Servicing 's contact page to get someone to contact me in regards to getting my loan modified. I've heard nothing. At this point, I am very frustrated. Per my divorce decree, I only have a certain amount of time to get this process started and we are getting close to not being able to do this. This is getting ridiculous. I just want fill out the paperwork to REMOVE my husband from the loan. What rights as a consumer, and loan borrower do I have? 

Loan # XXXX Lakeview Loan Servicing Co.

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 2021-02-19 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XX/XX/2021, I as approved for a Wyndam Barclay charge card. I requested on a recorded line that the card be sent to me via XXXX  XXXX XXXX for a charge of {$15.00}. 
This was not done. Instead the card is being mailed to me. 
This causes a problem. 
I have stayed on the phone for hours and hours and have not been able to get a account specialist.

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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
We closed out our XXXX phone bill and paid them in full On XX/XX/2020. However received a bill on XX/XX/XXXX called XXXX to confirm and told us we didnt owe anything and they are applying credits to accounts for over paying. XX/XX/XXXX credence called my work phone and it was there first attempt and I asked why did they call my work number and I dont owe anything to XXXX and I have confirmation. They harassed me and told me me I do owe them and it was sent to them today and I need to pay it. Called XXXX  back and they told me to pay them and they give me the credit back and so I did. I think this is wrong I have never had a collector call me to owe money and call me at work. It was embarrassing and even though it wasnt my fault and I think this was wrong and very unprofessional Account number Credence Resource Management # XXXX XXXX XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: New Century Auto Sales, Inc.
State: MI

Complaint narrative:
We applied for a car loan at Rightway in XXXX XXXX and our salesman was XXXX XXXX. Weve never even met in person, but we gave him authorization to run it and we found out today when I received a call from a friend that her son had told her all about our credit report because his dad had told his wife and his son. Not sure who else has been told at this point, but I need to know my rights because Im extremely upset and violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: CA

Complaint narrative:
Direct express will not send me my replacement card my first card expired I have made several phone calls to their office Social Security administration has repeatedly informed them of my new mailing address they still have not sent me my card I am hung up on frequently when I call the office I have been told by their workers that my address was not changed but it has been three or four times by Social Security because they did not send me my card I was evicted. My daughter and I are in a homeless shelter. They will still not send me my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
I had a rental property in XXXX, Georgia from XXXX to XXXX till XX/XX/XXXX. The utilities company was XXXX  XXXX XXXX. I started received collection notices from Convergent Outsourcing Inc in XXXX from bills from XXXX XXXX XXXX that they said I owe. They reported the unpaid debts to reporting agencies few times. I wrote few letters to them about the bills & asked for the authentication of the debts and finally after providing all the documents requested by XXXX XXXX XXXX ( Police report from my home residence, sale documents of the property in XXXX ) they sent me a letter in XX/XX/XXXX that the account is not mine. But Convergent Outsourcing Inc. are still trying to mess up with my credit reports. Once a while they re-aged the debts and reported to reporting agencies then took it out after I dispute it. It's happened a couple times & they still tried to call me as recently as last year. Yesterday I received another collection bill from Convergent dated XX/XX/XXXX. I am really sick & tired with these harassments. Please help me to put an end to it & this Company is need to be warned & penalize for abusing my right.

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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
In XXXX of XXXX I refinanced my mortgage via XXXX XXXX XXXX  - who then sold the servicing to BSI Financial in XX/XX/XXXX. During this month my homeowner hazard insurance and XXXX property taxes were due. The Escrow account was transferred to BSI but no payments made. I was told that they fell through the cracks during the transfer from XXXX XXXX. 
( * ) XX/XX/XXXX - I called BSI financial and told them that my insurance and property taxes were not paid. They told me to send them info for the county taxes and insurance company to their customer service email address : XXXX I sent them emails with attachments for the annual premium and property tax. 
( * ) I called and resent the email with attachments 10 days later. 
( * ) I paid the insurance with my credit card so as to avoid not having coverage. 
( * ) I call on average every two weeks to check on status - each time there is no status. 
( * ) XX/XX/XXXX BSI sent payment for insurance and 2 weeks later my insurance company re-imbursed me ( * ) XX/XX/XXXX - I called two times about property taxes not being paid and I was reassured that any penalties or interest would not come out of my escrow - being told it was being escalated - now 5 months delinquent and XXXX taxes due in XX/XX/XXXX. 
( * ) my last call with BSI financial customer service I my call was dropped as the rep was researching why they did not pay out of escrow - which continues to accrue funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
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: PA

Complaint narrative:
XX/XX/XXXX : Lender for housing loan ran my credit report and found bill for {$510.00} that was unpaid from " Money Lion ''. I have never had a MoneyLion account, nor knew what this company was. 

XX/XX/XXXX : Called company to report fraud. They opened a ticket and asked for no information or forms from me for their " investigation ''. 

XX/XX/XXXX : Called company to speak directly to Fraud Department and they would not let me. Said they made another ticket to open the investigation. 

XX/XX/XXXX : Received word that their " investigation '' is closed despite not asking me for any documents and they claim it was not fraud. Address listed is for house I have not lived in for 6 years, the phone number is not my phone number, and I have checked the account they claim the money was deposited in on XX/XX/XXXX and there is no evidence of the transfer ( see attached bank statement- nothing under deposits that fits this " loan '' ). Phoned the company again and they have not called back or let me talk to Fraud Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, SLS received a completed Request for Mortgage Assistance application. SLS then received my XX/XX/XXXX payment and held it as unapplied funds due to my pending Request for Mortgage Assistance application. 

Pursuant to investor requirements for loan modification, my XX/XX/XXXX payment was applied to principal only on XX/XX/XXXX and not the contractual monthly payment for XX/XX/XXXX. 

Because of the investors requirements for loan modification stated above, SLS is unable to reverse my XX/XX/XXXX payment from principal only and reapply to the contractual monthly payment. 

SLS recd a single payment ( on XXXX XXXX ) of {$570.00} and kept this payment in unapplied funds. This payment should be applied to the XXXX mortgage invoice/payment. 

After completing the loan modification updates on XX/XX/XXXX, my account became due for the XX/XX/XXXX contractual payment. SLS subsequently received the following payments : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX ( 2 ) payments I had to make ( 2 ) mortgage payments for the month of XX/XX/XXXX to bring my account current. This is because SLS did not apply my XXXX payment back in XXXX. That action ( not applying my XXXX payment ) placed my account ( 1 ) month in arrears.

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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: GA

Complaint narrative:
In XXXX, I drove from Georgia to MA to visit my elderly mother. Many entities were conducting cashless tolls, including the Port Authority of New York and New Jersey. All of the signs I passed indicated that I would be mailed a bill. 

I never received a bill from the Port Authority, but several weeks ago, I received a letter, dated XX/XX/2021, from an entity called AllianceOne. There was scant information but it was trying to collect on a {$66.00} debt I purportedly owe to the Port Authority. The toll was {$16.00} and a fee was tacked on for {$50.00}. 

I called AllianceOne today to get information, fortunately, after I went to the Port Authority 's website. The website clearly states that the toll is {$16.00}, and the first late fee is {$5.00} after a month. After another month, they assess a {$50.00} late fee. I never received a bill. 

When I called AllianceOne, the person with whom I spoke on a recorded line said that the Port Authority does not have to send a bill, in case the person driving through the toll is homeless, and that it is my responsibility to call and figure out how to pay the toll over the phone. That is patently ridiculous and patently false. 

My guess is that the Port Authority and this company are working together, as the Port Authority is not sending bills, and then refers everyone for the extra {$50.00} fee, which they split with AllianceOne. This can't be legal. 

I wrote to AllianceOne today to dispute the debt and included a check for the toll amount, But they have to be ripping off lots of people traveling through the XXXX area. Please look into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several unauthorized inquiries on my credit report. I tried disputing them but no action was taken. The following inquiries are unauthorized. 

XXXX XXXX on XX/XX/2021 XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX on XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX  XX/XX/2021 XXXX  XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX of 2020 i had a number of transactions affect my bank accounts and my credit cards. 
unfortunately i had my wallet stolen as well. i have had my bank account loose about XXXX i have reported this with Wells Fargo but due to the loss of my identification i have not been about to recover. i have contacted life lock as well but since my account has been closed i have had no luck improving my situation other then my own due diligence

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2019 my father passed away and I called the company asking for an extension briefly to pay for funeral expenses. I was going to make the minimum payment of {$25.00} the following week as my bill was due on the XXXX of XXXX. I made a double payment the following week but still have a late payment. I've contacted to company multiple times letting them know what happened but still haven't been able to get anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: RI

Complaint narrative:
Hello, I am having an ongoing issue with a collection agency : Wakefield & Associates ) for an account which I have disputed and requested information on. The company has repeatedly marked the account as meeting FCRA requirements but have not once provided documentation under the Fair debt collection practices Act. i have asked that they do so. 

The account appears to be a medical collection, which is strange because I do not have any medical debts. 

I am asking this agency to provide the needed oversight for this company to take my dispute seriously, and it shames me to have to do so, but they have not been helpful and have only stone walled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
on XX/XX/2021 I applied for a credit increase on my American Express Reserve card. I was denied a credit limit increase based on the following reasons by American Express that were documented in their letter to me ; 1. Collection by XXXX XXXX XXXX XXXX according to Federal Law a credit provider can not use Medical bills as a determination of credit worthiness. This Medical bill balance was paid in full for less than {$400.00} & was part of a personal injury law suit and bill was paid late by my legal representative. 
2. Amex states my payment history is unsatisfactory ; All 3 credit agencies report no deliquent payments by me ever. 
3. Amex states a FICO score they pulled on XX/XX/2021 of XXXX ... my actual FICO score when I requested a credit increase is XXXX, a 40 point increase in two weeks. 
4. Amex states my revolving balances are too high. Fact ; I have paid off entirely in the last 60 days over {$42000.00} of credit card debt including 100 % of my Amex card Balance. 
5. According to XXXX  my credit accounts are excellent history with my oldest credit account nearly 40 years old. 
Amex did not use current credit reporting information to assess my credit limit increase though it was available. They also in writing voilated Federal Law by using a Medical bill for a reason to deny credit. Overall Amex denied me credit based on outdated, incorrect and credit banned by Federal law to be used in a credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the XXXX  data breach and I'm almost sure that's where these erroneous accounts were accumulated.

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 2021-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX approximately 200 dollars was stolen off of my DETR unemployment debit card ( Bank of America ). I promptly filed a dispute with BOA .Within a few weeks in mid XXXX I was notified by Bank of America that they were not pursuing the matter any further & they were closing the file. XX/XX/XXXX my card was declined at a merchant & subsequently my card/ funds were frozen Without any explanation from Bank of America ! Every time I would call BOA they would tell me to contact DETR & theres nothing they could or would do about the situation! DETR would tell me speak to BOA. On XX/XX/XXXX I submitted verifying documents drivers license, social security card to DETR & was told they would be forwarded to Bank of America & my card would be unlocked to access my funds, so far As of today XX/XX/XXXX I havent heard anything from BOA! I am beyond frustrated with the slow pace & lack of transparency of this situation. My bills are pilling up & I am struggling to make ends meet. BOA has had more than enough time to rectify this situation! I sincerely hope by filling this complaint I will receive some action on the situation being that my financial situation has grown dire because of negligence by Bank of America!

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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
My mortgage was transferred to Planet Home Lending. Despite having a non escrow account Planet Home Lending attempted to pay my property taxes to XXXX XXXX County. These taxes were not late and I had already paid them so the money was sent back to Planet Home Lending. I was able to have the county give me a check number and the date that their payment was cashed, which was XX/XX/21. 

I called Planet Home Lending on XX/XX/21 and relayed this information to them and they told me that they couldn't find the repayment in their system. They said that the would need to investigate the issue and that it would take 45 business days giving it an estimated resolution date of XX/XX/21. This seems like a shockingly long amount of time to resolve the issue given that this was a mistake on their part and that I have given them the information they need to resolve the issue. The amount of {$4900.00} is significant and is holding up my ability to get other financing. I have also submitted a written request for help on the Planet Home Lending website and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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:
There are several unauthorized inquiries on my credit report. I tried to inform Transunion of the fraudulent activity but they did no remove it. The following inquiries are unauthorized and fraudulent : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Calif. XXXX XX/XX/2020 Capital One / XXXX XXXX # XXXX I am enclosing a copy of my letter to Capital One, dated XX/XX/2020. Please re read the letter, it is my response to your request for payment. 
You have sent me a dumbed down response ( Letter ID XXXX ) requesting a Bring me current payment of {$420.00}. You closed the account after I paid you {$550.00} on XX/XX/2020, my balance at that point was about {$2700.00}. You then added 4 months of interest after you closed the card. All of this activity by Capital One was during the 2020 Pandemic and the introduction of Cares Act. No more payments will be made until a realistic response to my XX/XX/2020 letter is addressed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief