vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Ive been trying to pay my mortgage payment of {$1900.00} for the last week but was unable to due to the portal not functioning properly. My due date is XX/XX/23 and today I was finally able to get in but keeps getting an error that says internal server not found. Then was able to finally login but every time I would go to pay it wouldnt allow to submit. I even re-added my bank info in case there was an error. Still couldnt process payment. Called and tried to speak to a representative phone number XXXX couldnt get through to anyone! Tried paying through automated system I am unclear if my bank payment of XXXX went through. I was given confirmation # XXXX but my bank hasnt withdrawn the amount, my portal doesnt have record of it and I did not receive an email confirmation like I normally do. I tried contacting them through the online form but same thing would not allow me to press submit. I do not want this to affect my credit or be charged over in error. 



My XXXX a Lakeview Mortgage Company

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 2023-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
This company has been calling an harassing me for weeks now. I have advised them that I canceled the account in XXXX. Additionally, I haven't been in the club since XXXX of XXXX. I was pregnant and in the hospital until XXXX of XXXX. Not once have these people tried to verify the debt like asking me who I talked with or my documents for cancelation. Nor have they provided any bills or any statements to validate their claim. This has been placed on my credit report as a collection, to which they verified the debt as being valid when they have yet to provide any documentation of that nor request any documentation from me. At this point, they can resolve it as a debt not owed because it was canceled, show me PROOF, or we can all go to court over {$300.00}. I have lawyers. It's not about the money. It's about the principal. If we go to court, I guarantee they will owe me more than the measly money they are trying to collect on an account that was canceled. I did not have a contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 
The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX, XXXX, XXXX XXXX have not reported accurately hard inquiries, score, & has claimed high credit balances that are erroneous to deny customer a higher score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I cancelled my Pay Pal account months ago. Received email from Pay Pal on XX/XX/2023 from Pay Pal employee XXXX XXXX stating {$590.00} for XXXX had been charged to my account. Trade ID no. XXXX. I did not make this trade and even if I had it would not be paid with Pay Pal!!!! I was ask to XXXX XXXX. Called number immediately get a busy signal every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MUSA Holdings, LLC
State: NC

Complaint narrative:
I had a loan from XXXX XXXX, I would like more information on the class action lawsuit. My loan was transferred, I was not given any notice regarding change in loan servicer. My car was repossed once. My car was turned off a few times. Documentation on loan paperwork was false. Car was sold for almost triple times its worth. Now I'm fighting to get a title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Security Finance, starting XX/XX/XXXX, again XX/XX/XXXX, then once more time on XX/XX/XXXX they have shown up on my hard inquiries.Keep in mind all 3 times without my permission or consent. I did get a loan out through them over a year ago, but was unable to pay them back in full due to financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX, Transunion, XXXX XXXX have not reported accurately hard inquiries, score, & has claimed high credit balances that are erroneous to deny customer a higher score

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, XXXX, XXXX XXXX have not reported accurately hard inquiries, score, & has claimed high credit balances that are erroneous to deny customer a higher score

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I in GOOD FAITH signed up for a checking account & Credit Card from " Trust Bank '' to comply with the terms of a XXXX Dollar promotion. The promotion was for XXXXXXXX XXXX if an Checking account was opened, a Credit Card successfully opened and Direct Deposits of at least XXXX XXXX deposited into the account in 90 days. I am retired & on a Fixed Income, I have a pension of XXXX which XXXX deposited on the XXXX of Each Month. After meeting ALL Criteria Truist Bank which earned XXXX XXXXXXXX XXXX last quarter informed me that 1 of my last six months deposits SOMEHOW?? reached their bank on the XXXX  of the month thereby invalidating my claim to the stated Bonus?? I think anyone would agree this is NOT operating in Good Faith with the public. I pray you can assist me in this matter.

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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly review the enclosed documents. I request the bureau to initiate an investigation into the accounts where I have consistently maintained timely payments, yet they are being reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: MOHELA
State: MO

Complaint narrative:
Mohela is my loan servicer. They have an alert on my account to recertify my income for my income-based repayment plan. Mohela is requesting that I recertify by XX/XX/XXXX. The federal guidelines from the Federal Student Aid website are : " If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' I have sent two messages to Mohela about this issue, one message on XX/XX/XXXX and another on XX/XX/XXXX. I have no received a response to either message and the recertification date is still wrong on my account. 

Recertifying my income early will have a massive impact on my tax filing status for XXXX taxes. This needs an immediate resolution and Mohela is not following federal guidelines. I have tried contacting them via phone but the hold times are often 3+ hours, which is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
Freedom Mortgage is improperly collecting excessive portion of monthly mortgage payment for escrow. Total of property tax and homeowners insurance is now about {$7200.00} annually, due to last year 's increases in neighborhood assessment and premium increases. Instead of $ XXXX ( $ XXXX ), XXXX  is presently collecting $ XXXX. In fact, I have looked ahead at the respective tax and insurance payments required for XXXX, and only $ XXXX is necessary between now and those due dates with the present escrow balance.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  Account number XXXX Date opened XXXX XXXX, XXXX. I have attached errors in this information reporting on my credit profile. This information is incorrect and shouldn't be reporting. I have contacted you several times about this and you continue to violate my rights by reporting inaccurate information.The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On the evening of XX/XX/23, from XXXX to XXXX XXXX, in the XXXX parking lot in XXXX, TN, I engaged in a transaction with an XXXX man. I attempted to purchase a product from him, but he, suspecting me to be a police officer, requested a {$300.00} deposit to be paid into their bank account. After making the payment, he compelled me to provide my passport and driver 's license information for verification to ensure safety. Subsequently, claiming that my information could not be found in their system, he demanded an additional {$2000.00} deposit. Under duress, I transferred the amount to their account. They then began to threaten me, citing possession of my personal information, and warned of harm to my family if I did not provide more money. In the end, I had to compromise and transferred {$1200.00} to their account. Immediately after the incident, I fled the parking lot and the next morning went directly to the police station to file a report. I also submitted an application to the anti-fraud department of the XXXXXXXX XXXX, detailing the incident. However, the bank did not actively assist in recovering my losses. Two weeks later, they informed me that my application materials were incomplete, and they were unable to recover my funds.

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 2023-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
XXXX/Lakeview Loan Services has been attacked in a ransomware incident. During this time, they have provided no information as to the extent of the information compromised and what if any actions are being taken to mitigate the damage. In addition the replacement website they have created makes no mention of this incident and simply asks that you reenter your bank information. How are we to be assured that this site is a ) not a spoof by the hackers, and b ) any safer than the previous site? The lack of transparency is appalling.

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 2023-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Id like it noted that I have filed XXXX separate complaints. In XX/XX/2023 they agreed to remove this charge off of my account but then they never removed it, and then stated on XXXX XXXX that I had a missed payment ( or thats what they told the XXXX ) however, Ive no idea of this account, the information is wrong and they violated HIPPA. When I called for assistance the man on the phone was aggressive, stated that XXXX wasnt my name and then proceeded to inform me that he would not help unless I gave them permission to contact me directly. As they are a third party l, they should have no right to my medical files and payments for my insurance. The man on the phone transferred me to his manager and the manager gave me the narration of debt collectors and that he would not be able to assist until I allowed them to unseal the datawhile acknowledging that the they were indeed supposed to remove this charge off of my accounts. This is illegal and needs to be dealt with because they claimed that I have missed payments, affecting my scores and are continually haulting improvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Have tried making multiple online purchases ( tried different merchants ) with the Amex gift card where the total amount of the transaction is less than the remaining balance on the card. However, I continue to get this message " There was a problem processing your payment. Please re-enter your payment information and try again. '' In my most frequent attempt today on XX/XX/23, the purchase was for {$29.00} and the balance of the card is {$32.00}. 
I have tried calling Amex, but am not able to speak with an individual and get sent in circles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
It shows a hard inquiry on my XXXX credit report with JPMCB - CARD SERVICES since XX/XX/ and I have never owed an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have contacted the company multiple times stating this account is not mine and has not been removed. Please remove this fraudulent account from my credit report. 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 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
The loan was taken out XXXX of 2015 which is XXXX and XXXX XXXX. I voluntarily gave the car in for repo. The car was sold at the auction for XXXX but Honda finance is still reporting a XXXX balance due on my credit report. As for repossession isnt it supposed to removed from your credit report Ive spoken to Honda and they refuse to remove it Ive spoke to them several times in regards to this matter I fell on hard times and couldnt afford the car and couldnt handle the payments and i expressed that to the company i am simply trying to get my credit in order after all these years. American Honda finance refuses to remove this of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not been able open a dispute with Transunion directly ; the website malfunctions and says it can not process my request at this time for the past week. However, there are inaccuracies on my credit report regarding Department of EducationXXXX account XXXX My credit report shows several inaccurate late payments. On XX/XX/XXXX I called XXXX to confirm if a goodwill removal of the late payments was possible. The representative told me that she could not make adjustments to the account. So, I created a complaint on XXXX XXXX XXXX and I explained that I have been an ongoing victim of identity theft since XXXX I submitted proof of the theft including : FTC ID Theft report, IRS notification and IDT 100 form. I also requested that the information be updated or removed due to my circumstances. I received a letter stating that the account was previously in default, but the account should in fact reflect good standing. I have attached documentation from XXXX concerning the default clearance. Please find proof of my address, birthdate and identity included. I am a natural human being and I have autonomously created this complaint.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


1. XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX 3. 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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter to the TransUnion bureau requesting the removal of the inquiries reporting on my credit file but the inquiries listed below are still reporting on my credit report and is violating Federal Law. TransUnion Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these inquiries completely from my Credit Report : 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