vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
Shortly after closing on my loan which took place approx. XX/XX/2016 my loan was sold and began Servicing with Lakeview who services through XXXX. I contacted the number on my statement back in 2016 to set up what I believed to be a bi-weekly payment structure. As evidenced by my withdrawals in my checking {$400.00} per month has been pulled from my account for quite some time. Today I contacted them and was told XXXX does not do bi-weekly payments they pay the investor which I understand to be Lakeview on a month to month basis. So they have been getting 1/2 of my payment then holding for the remaining and when a full payment is in hand then they make the payment. This is frustrating because this is not necessarily how this was explained back in 2016. I asked to reach Lakeview directly and was given an 800 # to contact them. This went to a different 3rd party company that promoted a equity excellorator program ( aka bi-weekly payment ) plan. They wanted {$290.00} enrollment fee and $ 5.40ish per month for a servicing charge. I asked them if they were either Lake View and or XXXX and a guy named XXXX stated they are neither. Reflecting back I think this also is the same procedure I went through in 2016 and have already paid this set up and servicing charges. I think there is something very strange in the way I keep getting bounced to XXXX, they don't acknowledge that they are in fact the ones pulling money from my account each month yet they are listed on each withdrawal. And now this 3rd company of which is neither XXXX nor Lakeview wants to reset this up with me again and can not find any record of my account anywhere. I can not seem to locate a direct phone contact number to Lakeview to discuss this, and keep getting rerouted back to XXXX. This feels very fishy and I feel the past 2+ year I have paid for a service that I am not getting and there is some sort of scam or fraud going on that I can not pin down and need help. I feel there has been a difference in the money I have paid out vs what has been correctly applied to my loan and would love to see this analyzed fully.

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 2019-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. Each are to deny any request for credit or information under the name XXXX XXXX XXXX XXXX any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been trying to make big payments ahead of and in addition to my " scheduled payment ''. This past week on XX/XX/2019 I had ( using their 'custom payment ' option ) specified 2 overpayments in order to get rid of my loans ... I made a payment of {$660.00} on one loan specifically which would have left the loan within {$2.00} of being completely paid off. However, upon logging back in I saw that Navient reallocated the payments how they saw fit leaving the repayment of the loan at {$470.00}. 

This is not the first time I have had a problem/question with the ethics of how their practices work. I have been making continuous payments for well over a decade with Navient assuring me that I have to pay off the pre-set interest before I can work on the principal of the loan ... well cut to earlier this year when I questioned them about the fact that I am still being charged ridiculous interest and I did NOT get a satisfactory answer. Only that, " I can look at the history of my student loan by logging into my account. '' I am having a REALLY hard time getting a solid answer and after this last specified payment being allocated as THEY see fit which conveniently leaves me owning them more interest/money really has me questioning their ethics and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( XXXX and XXXX XXXX ) I am not sure how this happened. Each month I get an email stating that I have a statement. Unfortunately, Im not able to view it, see how much is owed or find out when the due date is unless I call them. Each time I speak to someone I tell them that Im unable to access my online account to schedule auto payments, view my charges, see online statements or make any kind of payment. They ask me to pay the bill ( sight unseen ) or at least the minimum via the telephone. I have requested, each time, to have paper statements mailed but they tell me that I can only do that online ( and, of course Im not able to access my online account ). Its a vicious cycle and one that I cant wrap my arms around. At the end of the day, Im paying late fees and getting my credit dinged but still cant see if I even agree with the charges on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 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: CA

Complaint narrative:
there are 6 hospital collections reporting on my equifax credit bureaus only, inaccurately and these are inaccurate and not mine, i have been disputing and disputing with equifax, but they have been very much stubborn and not helpful, i ma tired of this disputes and not getting help. i have googled and found out that you would be able to help me, i am writing a complaint on equifax consumer reporting agency, since not only they are reporting many inaccurate and fraud account under my reports, also they are not helpful and so much made my life stopped and stressful. 
please find attached the FTC report on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Express Cash Mart Management
State: TX

Complaint narrative:
I request the original disclosure of my loan ( cash mart express ) from collection agency but they said ; that they can not provide me with that. I just want to make sure the payday loan debt is mine, because I do not recall if I had any payday loan after my bankruptcy on XXXX. 
But XXXX XXXX XXXX insist it is mine without any prove or even written notice. 
they placed a collection on my credit report without any notice letter or prove of who is the original creditor phone number or address or any documents. 
The collection agency must provide me a document to prove validity of debt. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX ( XXXX ) XXXX - XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
This school was closed recently in 2018. Can my student loans be discharged?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt recovery solutions is the debt collector, the original owner of the debt is XXXX fire and rescue. The date of service is in XXXX of XXXX, I had XXXX which became available in XXXX. I called and tried to explain to them about my insurance. The company gave me the run around I have disputed this claim five times to no satisfaction. When I did speak to someone they gave me XXXX number to do their footwork. XXXX said this company did not take out a claim towards my insurance for XXXX $ in XXXX of XXXX which they should have I presented the ambulance workers my insurance card etc so Im not understanding why they did not charge my insurance I tried to mediate with them to no avail and now they are after me about it I have had problems with the ambulance company. I called XXXX fire and rescue billing department last time it occurred but I wasnt aware they didnt send it thru until it showed up on my credit report last year and the date of service was in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: ALLIED MORTGAGE GROUP
State: PA

Complaint narrative:
I received a credit monitoring alert in XX/XX/2019 that my credit report was checked by XXXX XXXX of Allied Mortgage. There was no consent given to Mr. XXXX to run my report. I had several telephone conversations with Mr. XXXX for corrective actions to have this removed from my report. Mr.XXXX agreed. I've sent mr. XXXX an email as a follow up, as well as contacting the Manager of Allied Mortgage. To no avail I have not received any follow up calls, emails etc and this unauthorized inquiry is still on my report affecting my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am an XXXX with substantial XXXX XXXX debt. I have stayed in government positions or with non-profits because of the public student loan forgiveness. 

I have had, and continue to get improper information about how to make sure my loans qualify for loan forgiveness. I still do not have the proper accounting of qualifying payments. I have worked for XXXX XXXX, a qualifying non-profit from XX/XX/XXXX- XX/XX/XXXX. I now have worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX- present. ( I am currently submitting my employment certification form from XX/XX/XXXX-XX/XX/XXXX so those may not be reflected yet. ) I can not access any of my old documents uploaded online, they do not give you copies of any emails you send to them and the only method to hold them accountable, the chat feature, has been deactivated. There is no meaningful way to track what they tell us, documents that are provided, and no method to contest when payments are qualifying. I have submitted documentation for annual re certifications, called to ensure they received it, was told it had been received and then later received notices that i never sent anything and had to put my account into forbearance. 

The misinformation and lack of accountability results in individuals staying in lower paying jobs for months or even years longer than they intended without the benefit of meaningful Public student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: FL

Complaint narrative:
Re-aging accounts on my credit reports which are obsolete. I have contacted XXXX and Equifax in regards to disputing outdated information on my credit report. Well, XXXX and Equifax is still reporting obsolete creditors and refuses to delete the re-aged accounts which is against the law. XXXX  and Equifax finally deleted some of the obsolete accounts but they left 16 accounts by this one creditor XXXX XXXX. This creditor has to be a collection agency stemming from the original creditors because all the outdated information that was deleted this creditor XXXX XXXX is now showing all the amounts from the deleted creditors. I had never heard of this org. I have requested numerous times for XXXX and Equifax to request for this creditor to provide the original creditors information such as opening dates, payment history etc, this is of great importance as it will demonstrate that this creditor is re-aging the accounts to keep on my credit which is against the law. I am again asking for XXXX   and Equifax to delete the 16 accounts from XXXX XXXX. A collection account is considered a continuation of the original debt. '' It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with " updated '' activity dates, I will have to file a legal case against them. Its not fair for me to have to continuously go through this when this creditor is reporting false information. Its not fair for me to have to seek legal representation but I will have to because me filing disputes are not getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
I sent a check from my insurance company to Ditech for the damage to my home because of a fire on XX/XX/18. I was told these {$220000.00} plus funds would be held in an escrow account until they are needed for construction. 

Im having an issue with DiTech releasing my insurance funds so that construction can begin. The first claim I submitted for the demo of my burned home took 1 month to receive, now Ive submitted for the first payment to the contractor to begin the build in the amount of {$40000.00} and its been 19 days and still nothing. 

Ive called several times and was put on hold for 45 minutes at a time and never getting anyone to answer the phone. When I finally found a different phone number for DiTech I got someone to answer but he didnt help me at all, only to put me on hold several times and then he asked about inspections and then the final comment that topped it for me was wherein he started saying something about the investors What investors, you have my insurance funds and they need to start being released I said. 

I need help with receiving these funds as my insurance company has a cut off date and then they will close my claim. If I can't get DiTech to release my funds how can I move forward with construction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
XXXX XXXX has repeatedly made calls to my office extension during the month of XX/XX/2019. On Thursday, XX/XX/2019, XXXX XXXX XXXX made multiple calls to my extension. When they could not reach me on my direct line, they called the front desk and called other extensions. They also made harrassing calls to three of my co-workers on their personal cell phone ( not work related ). I never gave this company numbers of my co-workers. I did not even know my co-workers ' cell phone numbers, so there is no way that I gave this company their numbers as a reference. So that means that they had to breach the privacy of my co-workers to find their personal cell phone numbers. This is despicable and can not be legal! On Friday, XX/XX/2019, I emailed, faxed and mailed XXXX XXXX XXXX  a letter telling them to only contact me in writing.

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 2019-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX was involved in a total loss accident. XXXX insurance paid out the claim of approximately {$4500.00} more than the value of the vehicle. On XX/XX/XXXX I called Capital One to inquire as to why I had not received salvaged title and the amount that was over and above what was owed on the car. The rep. I spoke to stated no payment had been received on the car. When I called XXXX to request they cancel the check and re-issue payment I was told that in fact the check had cleared their bank. 

This loan was additionally involved in a Chapter XXXX and the payment amount was not reported to the Trustee. That is bankruptcy fraud, as they will continue to receive payments on a debt that is not owed. 

Capital One Auto Finance has either misapplied a payment or is hiding funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This Company- Commonwealth Finance , keeps reporting that I owe a debt I have paid in the past. I have disputed this info with the credit bureaus. Now, having done that, after reporting them to try to get the info removed from my Credit Report, they are now sending me a piece of mail showing they want me to pay for a different collection I know nothing of AND it shows the amount owed is {$0.00} but they want to collect anyway. I do not owe these people or those debts. What they are doing is not right! I want this company to stop reporting me falsely and trying to get me to pay money I do not owe. I have done my research and this company is well known for having class action law suits against it for this exact  thing including hundreds of reports to the XXXX for unlawful attempts at debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
For almost 5 months now, I have put a lot of action on my part to get this matter out to the bank, TD Bank in XXXX XXXX - numerous emails inside my online business account, calling the general TD phone number of the branch, calling specific numbers, leaving voicemail messages and emailing using the email address connected to the business account. I have told them I want my account closed and a cashier 's check for the remaining balance of {$10000.00} be issued either to my business or to me personally. 

There are 2 staff I have been dealing with regarding this : 1. XXXX XXXX - phone number XXXX XXXX XXXX 2. XXXX XXXX, VP and branch manager - phone number XXXX XXXX XXXX , TD Bank , XXXX XXXX XXXX , XXXX XXXX, NY XXXX One particular instance showing the bank or XXXX XXXX does not care. This was after many voicemails I left on XXXX XXXX XXXX phone. On XX/XX/2019, Friday, XXXX XXXX XXXX, I called her twice and she finally answered my call. She told me that on XX/XX/2019, Monday, if she did not call me back, I could follow up with her and she would deal with my account. I gave her more time and I called on Monday at XXXX : XXXX XXXX. When I spoke with her, she said she wanted me to call her back in one hour. I gave two hours and called her back at XXXX XXXX XXXX. Again. she said to call her back and I called at XXXX : XXXX XXXX but it went to her voicemail ( all showing in my call log ). It is almost one month now and I have not received any callback from her. 

I am putting this in your hand CFPB in the hope that someone in that bank makes sense and can provide me with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery Solutions Continues to report INACCURATE Information to XXXX XXXX and XXXX, which is a huge VIOLATION. 


Portfolio Recovery/XXXX account # XXXX Please remove account due to violations 1. Can not have a past due this is a collection account 2. Can not be late 120 days on a collection account 3. Date of last activity is inaccurate XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 4. Can not have a past due this is a collection account 5. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 6. Can not have a past due this is a collection account 7. Can not be late 120 days on a collection account 8. Reporting Date of Last Activity inaccurately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove immediately for violation. 


Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 9. Can not have a past due this is a collection account 10. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 11. Can not have a past due this is a collection account 12. Can not be late 120 days on a collection account

Company response to consumer: Closed with explanation