vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
The loan servicing company, XXXX ( Lakeview Servicing ), does not properly disburse funds from escrow and does not communicate with its customers. As is typical with a conventional mortgage, my homeowners insurance and flood insurance was supposed to be paid from my escrow account. All payments are current and have always been paid timely since the inception of the mortgage. 

Regarding my homeowners insurance, XXXX did not timely pay to re-new my insurance policy, which resulted in a lapse of coverage and multiple phone calls to try and resolve why the premium was not paid. This is unacceptable and the company should be making timely payments and not allowing its customers to be left with a lapse in coverage. 

Regarding my FEMA mandated flood insurance, XXXX never advised the flood insurer that it was now servicing the mortgage ( originally a XXXX Mortgage ). XXXX never paid the flood insurance renewal - allowing the Policy to lapse. The original flood insurance company refused to back-date the Policy, resulting in me having to purchase a completely new flood insurance at a much higher cost. I provided proof of a brand new flood insurance policy on XX/XX/XXXX and still today ( XX/XX/XXXX ), XXXX has refused to pay the policy premium through the escrow account. They have instead suggested I buy the Policy myself. XXXX is also threatening to charge the account {$670.00} because there was a lapse in coverage - a lapse that the company caused and created and is now blaming the homeowner for and charging the homeowner. XXXX is placing lender placed forced flood insurance on my property, where I have provided a different Policy and they refuse to pay it and instead tell me the situation is " out of their hands. '' Most of the representatives are nice, but seem very limited in anything they can do and can not resolve any situation. Please do not allow XXXX to continue to service mortgages, and fail to pay from escrow accounts, resulting in a significant hassle and frustration to the homeowner. This is an unacceptable practice, whereby ultimately, XXXX is holding on funds it needs to release and is engaging in predatory lending practices and violating fair debt collection practices.

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 2022-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I settle with this company, accordance with fair credit reporting act XXXX  credit acceptance corp XXXX violated my rights. 15 u.s.c 1681 section 602 states i have the rights to privacy. 15 u.s.c 1681 section 604 A. Section 2 It also states a consumer reporting agency can not furnish account without my written instruction. I would like it to be removed from 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 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My wife was defrauded on XX/XX/22 of XXXX {$500.00} through a XXXX scam. She had posted items for sale on XXXX XXXX on XX/XX/22 and was contacted on the morning of XX/XX/22 by a party interested in purchasing the items for {$500.00}. The interested party indicated that her son would be picking up the items and that she would XXXX over the money. Shortly after that conversation, my wife received an email stating that there was " a small problem '' with the transaction and that she would need to refund the {$500.00}. This email appeared to originate from XXXX, so my wife complied and refunded the transaction. Shortly thereafter, she received another email stating that she would need to XXXX transfer additional funds in order for the transaction to complete - and then she realized she had been scammed. 

Today, XX/XX/22, I contacted Chase ( the originating bank of the transfer ) to dispute the transaction. The first representative kept stating that XXXX was 3rd party to Chase and had completed the service, and that they did not offer claims for fraudulent transactions. When I confronted her with the fact that Chase is owner of XXXX XXXX XXXX, which in turns owns XXXX, and that Chase should be offering more recourse for its customers who have been defrauded, she repeated that XXXX is a 3rd party and that there is nothing Chase could do in this situation. I continued to inquire how Chase, as an owner of XXXX and having access to all the transaction details, could be offering fewer protections to ITS customers than XXXX, I was hung up on. 

I called Chase Claims department again and was met with the same boilerplate statement that XXXX is a 3rd party service and the only recourse was to submit a courtesy claim to have the receiving bank withdrawal the funds from the recipient 's account. I elected to have the representative initiate the claim, knowing the improbability of success. While talking, this gentleman did acknowledge that Chase 's backend office can see the account information of both the originator and recipient, so by their own admission, Chase has the information to protect its customers who have been defrauded, but is making a conscience choice to not. I even indicated that we have email proof of the scam, but was told that if i submitted the email as evidence to substantiate my claim, it would stay internal to Chase and would not be passed along to XXXX to help in any claim. 

Chase and the other owners of XXXX XXXX XXXX are enabling scammers by their policies and lack of protections for THEIR customers. Regulation E should apply to XXXX and basic consumer fraud protections should be in place for customers banking at these institutions which have XXXX integrated into their banking platforms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 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: MS

Complaint narrative:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX  XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, EXPERIAN & XXXX DATE OPENED-DATES DIFFER FROM XXXX, EXPERIAN & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE-DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX PAYMENT HISTORY-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2022-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NY

Complaint narrative:
This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.

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 2022-05-16 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: NY

Complaint narrative:
This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NY

Complaint narrative:
This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.

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 2022-05-16 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: IL

Complaint narrative:
The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a XXXX account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. 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 non-monetary relief
Consumer complaint received 2022-05-16 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a XXXX account for {$3500.00}. This debt was purchased by Portfolio Recovery a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to Portfolio was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a XXXX account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I strongly believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online freelance work/business intermittently since XX/XX/2010. My paypal account : XXXX has stucked funds in it that I have to withdraw as soon as possible for emergency purposes. And I am hoping that I will get my account back and be able to withdraw my funds. Thank you and God bless you. 

For identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have wrong addresses and phone numbers on my credit report, I have not lived at all these addresses. There should only be one address on there and that is XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX that's it. Please remove them from my credit report because they are inaccurate.

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 2022-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Experian credit reporting agency is causing harm to my credit profile by showing 3 hard inquiries that are inaccurate to the credit profile from the following companies : XXXX XXXX XXXX XXXX Disputes have been filed internally through the Experian website, but all attempts to remedy the situation have failed.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2022, I received a notification that there was a change in my credit report. When I logged into both XXXX XXXX XXXX XXXX XXXX I noticed that my credit report showed that my credit score decreased by XXXX points, for a decreased balance, on my auto loan with XXXX XXXX. I also received an e-mail from XXXX that on XX/XX/2022, it was advised to them by Transunion that there was a decrease in my score as well. I feel that this is an error that needs to immediately be corrected as it is preventing me from being able to be approved for a home purchase.

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 2022-05-16 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: OH

Complaint narrative:
unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet is saying my account is past due. XXXX they are servicing two of my loans ( groups of loans ). On one of them, they haven't sent me a statement since XXXX. When I call them they tell me that the sent a statement over the weekend ( XX/XX/14 ) but the payment was due on the XXXX. They offer forbearance, but I want to make my payments. This is the second time they just stopped sending statements and I had to call. I believe that they intentionally induce late payments by not mailing statements ; they try to force you into online accounts and e-payments. They are not helpful. Customer service is terrible.

Company response to consumer: Closed with explanation