vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN

Complaint narrative:
I was working with the Lakeview Loan Servicing since the end of XXXX of 2021. I wanted to refinance my home at a lower rate. My loan officer was XXXX XXXX. He told me that refinancing process will be easy and would not take more than a month because I was an existing customer and the company had all my records. He told me to make a XXXX payment and skip the XXXX payment. On XX/XX/XXXX I called mr.XXXX. During this conversation he told me to make the XXXX payment and dont worry about the late fees. He told me that the late fees would fall out once the refinancing process is complete. I mailed the payment the same day. After that, I have not heard from Mr.XXXX at all. I left multiple voice mails and emails but he was unreachable. On XX/XX/2021 I found out ( from another representative ) that my loan application was denied because of the late payment in XXXX. The same day I spoke with the Vice President of the company - XXXX XXXX. XXXX XXXX promised to take a look at the situation and call me back the next day. I have not heard from him.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I was " Turned Down '' for a new cell phone by " XXXX '' because of some negative credit information on my " Equifax '' credit report. And " Equifax '' is refusing to give me a copy of my " Equifax '' credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
LexisNexis report it to my insurance agency XXXX XXXX that I had an accident the accident was my husband 's I have not had an accident in over 30 years and the XXXX confirm this I had to change insurance companies because XXXX XXXX would not recognize this now when I tried XXXX XXXX the same information is coming up when I tried to address this issue with LexisNexis they say my file is they say they can not locate my file I have copies of everything they sent me and the bad information that they are putting out when I asked for a copy of that they continuously say that they do not have me on file this is the second time I've tried to address this issue and they will not change the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
The original creditor ; The XXXX XXXX XXXX transferred and account to Consumer Adjustment Company. The account was disputed back in 2018 with the original creditor due to identity theft. My Information was stolen during the XXXX  data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/2021, we refinanced our loan with XXXX. Who they sold our loan to NewRez LLC in XX/XX/2021. In XXXX, our Property taxes were due and not paid on time or at all. I paid {$5200.00} plus {$530.00} for a total of {$5800.00}. Additionally, I paid {$130.00} service fee for using a credit card. XXXX has been working with XXXX XXXX in escalations at NewRez. However, I just received notice today that I am only getting refunded {$530.00}. There is no way for me to contact XXXX, her number is restricted and she will not reply to my only email that I sent yesterday XX/XX/2021, asking for an update. We don't get to choose who buys our loan, so how does publishing this description help anyone. 

When I refinance again, because I don't want to give these people any more money, how do I make sure they don't end up buying my loan again? 

And I filed a complaint with NewRez to remove my escrow account and I don't meet the qualifications because I am a new account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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 — Investigation took more than 30 days
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
On Friday, XXXX, I received a call from my mortgage officer ( my wife and I are purchasing a home in XXXX ) informing me of a raised flag when pulling my credit score. Two of the three credit reporting agencies were within the range he and I projected I would be ( XXXX : XXXX ; XXXX : XXXX XXXX, but the third, XXXX  was significantly lower ( XXXX ) due to a private student loan account reporting 90+ days past due. Immediately upon learning this, I ask that he provide any information he had regarding as I was completely oblivious and unaware. After receiving the information, I contacted the Texas Higher Education Coordinating Board to inquire further why I was not made aware of the past due balance and pay the entire balance in full. The Texas Higher Education Coordinating Board informed me that though they did have my current address on file, all correspondence previously mailed to my address was returned to them from the post office ( it is important to note, I receive mail every day to this address without issue ). 

Additionally, they confirmed they did not attempt to notify me beyond the mailers, which were ultimately returned to them. Knowing this, I agreed to pay the balance in full and submitted the payment the same day ( XXXX - the same day my mortgage officer first made me aware ). I also requested the Texas Higher Education Coordinating Board remove all 'Past Due ' reports submitted to XXXX as their records reflected and confirmed I was not ever adequately notified. The Texas Higher Education Coordinating Board denied my request and refused to provide any justification or supporting evidence for their denial. 

Before ending the call, I voiced my concern about the unfair treatment I felt I received and that I would be forced to exercise my rights as a consumer submitting a claim to the Consumer Financial Protection Bureau ( CFPB ) ; their response : " go ahead. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The 'annual free credit score ' link in your website XXXX XXXX XXXX XXXX leads users to a labrynth of links that ultimately do not resolve into a credit score unless you have a link map that will navigate the user through multiple 'enter your credit card ' pitfalls into something that will actually tell you what your credit score is. I know the agencies to whom I owe money. I just want to know if I can rent an apartment, buy a car, or qualify for a mortgage. Can we please just have a clear indicator of what our scores actually are? This is insane, seriously. This link is not a bridge to a free credit score. It's a shameless hand out to credit companies trying to talk responsible adults into taking out more lines of credit.

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 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is a debt buyer who previously bought an account from the original creditor ; XXXX XXXX XXXX  The account was disputed back in XXXX  with the original creditor due to identity theft. My Information was stolen during the XXXX data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was looking for a puppy online, and this website popped up to me through a XXXX ad. I tried to buy a puppy through this website. The seller contacted me through phone and email. I paid {$900.00} in total, which included {$750.00} for the puppy and {$150.00} for the shipping. The seller only accepts Zelle payment. After I paid the total of {$900.00}, the seller asked me to pay an additional {$500.00} pet insurance in order to ship the puppy. That's how I found out it's a scam. I called my bank to reverse the payment because this is a scam, but they told me they can't do anything because it's through Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Intercoastal Mortgage LLC
State: NC

Complaint narrative:
My home has been under construction since XX/XX/2019 through one of there preferred builders. The lender has not tried to help reach out for a resolution and has allows the builder to place a lien on the property stopping me from closing and selling the property. No work has been done in over a year and I continue to pay {$1200.00} each month for interest that has accrued on the property. I have tried settling this matter with the contractor and have tried asking what my current options are as I have been stuck for over 2 years because there builder walked away from the job without completing the work. The lender continues to threaten me stating the balance is owed but does not offer any assistance on a home I pay for monthly. The lender offers me no protection whatsoever and has not provided no assistance throughout this nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Unauthorized hard inquiry reporting on XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. When i did get thru on XX/XX/2020 and XX/XX/2020 it said that it was accepted but later i was notified that they never received the payment. By the time I was notified that the payment was never recieved io paid it but it resulted in a 30 day late pay. They also never called or sent me a bill in the mail so I had no way of knowing. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: FL

Complaint narrative:
I try dispute with all 3 Bureus a chapter 13 also disputed with XXXX XXXX they all saying is verified by court they all get in this information from XXXX XXXX that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: ME

Complaint narrative:
I made Bill pay mortgage payment though my bank, XXXX, to PRMG in the amount of XXXX and it cleared on XX/XX/XXXX for my XXXX payment. I received a collections call two weeks later stating that I had not made my payment. I spoke to a CSR who indicated she found that the payment was put in my escrow account for an unknown reason, and assured me she would correct it, remove the late fee and it wasnt being reported on my credit as late. I made my next payment on XX/XX/XXXX in the same way in the same amount ( my payment due amount is less than XXXX but I pay extra on principal ). Fast forward to about two weeks into XXXX and I began getting collections calls stating that I hadnt made my XXXX payment. I learned that my XX/XX/XXXX payment was never corrected and the XX/XX/XXXX payment was applied to my XXXX payment and not my XXXX payment. I have spoken to 5 seperate people, all have assured me it would be corrected and advised the payment was actually marked as an insurance refund but cant explain why they would mark it as such where it comes from the same place as all my payments for years and in the same amount I pay each time. I have now closed on the sale of that home and the mortgage has been paid off but that {$1000.00} was not applied to my mortgage to get the correct payoff amount, and the money has not been returned. The late fee has not been removed either. Despite multiple calls to prmg I get no resolution or return of money that belongs to me, and continue to get collections calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian refuses to remove incorrect addresses off my credit report. 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In addition, The show several incorrect accounts ; This is the Final Demand If all of the information which I have disputed from XX/XX/28, XX/XX/28, XXXX is not removed from my credit report. I am filing legal proceedings in Court with an Attorney. 

XXXX Bankruptcy Court GA XXXX ( two different inquiries ) XXXX Bankruptcy XXXX GA XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX real estate Child Support -Collections account, Insurance claim, government claim or terminated defaulted XXXX XXXXXXXX XXXX XXXX  This information is incorrect. I have sent paperwork showing several items are invalid, inaccurate reporting, and showing I owe a balance. Information on a credit report which is wrong is supposed to be removed. Your reporting should be accurate and Valid. XXXX and XXXX  is not reporting the same information. It is impossible for all three credit bureaus to be accurate. This is my final request. All efforts to have you accurately reporting information on my credit file should be reported with accurate information.

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 2021-05-21 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: PA

Complaint narrative:
I am victims of identity theft i made numerous attempts to rectify these fraudulent accounts that was opened in my name I sent police reports, FTC report still nothing please publish this and show people that if you are a victim of identity theft. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Called and submitted disputes online via mail directly and was told its a automated system after several attempts my reports remain affected violating my consumer Rights to accurate reporting

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX Credit Card by Commenity Bank offered covid 19 assistance during the onset of the pandemic. Not only did they misrepresent but they are not honoring their commitment to waive pandemic late fees. They are lying about no records of reporting the late fee waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me

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 2021-05-21 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 — Investigation took more than 30 days
Company: Rozlin Financial Group, Inc.
State: SC

Complaint narrative:
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me

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 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Today XX/XX/2021, i received by mail a package fromTD Bank XXXX with checking book, account number XXXX under XXXX XXXX phone number XXXX XXXX : i did not request any opening account at TD bank ; I called XXXX, I spoke with XXXX, and reported fraud activity. I contacted the local bank XXXX XXXX where the account was opened, I spoke with XXXX, he confirmed the account was opened as email request on XX/XX/XXXX, and no current activity reported ; I requested to close the account, and verification of the closing account. 
I called Privacy Assist Services ; they notified me that there is a request for loan under my name for US Small Business Administration for a " beauty salon '', " XXXX XXXX XXXX and XXXX '' with a phone number XXXX XXXX is the name and phone number used at TD Bank, and is the same line of business for the loan request. 
i place a fraud alert on XXXX, with extension to XXXX XXXX

Company response to consumer: Closed with non-monetary relief