vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
In XX/XX/2020 I applied for Forbearance on my mortgage. I was not behind but I wanted to make sure I could continue paying. My forbearance started on XX/XX/2020. I paid {$600.00} at the end of XXXX and XXXX to cover my Principal and Escrow for XXXX and XXXX. My mortgage payment is {$900.00}. I received a letter from Lakeview Loan care on XX/XX/2020. They want {$1800.00} by XX/XX/2020. I should only owe {$600.00}. I know I do not owe them this much money and they should not be requesting upfront payment for what I will owe at the end. 

I have had nothing but problems with this mortgage company. At the end of last year, I received a letter from them wanting {$1200.00} that I did not owe. I paid {$1400.00}. I paid my mortgage on time every month and my insurance and taxes stayed the same without any changes so my escrow should not have been short. It seems like every year the company is asking me for money I don't owe. They have applied this current increase without 30 days notice and because of the Cares Act, this is supposed to be handled when my forbearance is coming to an end.

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 2020-06-30 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:
I submitted all of my information over to Transunion to correct the inaccurate information and they have yet to do so. Ive submitted the documents twice and still nothing. They were sent beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capitol One reported a late payment that was directly caused by the Corona Virus pandemic to the Consumer Reporting Agency setting back years of work trying to fix my credit that will no doubt cause Hardship. 
I was laid off back in XXXX due to the Corona Virus, at this time I had never had a late payment with Capitol One. I missed my payment on XX/XX/XXXX for the first time directly because of losing my job to the Corona Virus. I ended up working with a friend making a small bit of money and tried to lower down all of my rising bills even the slightest amount and paid XXXX $ to Capitol One on XX/XX/XXXX bringing my XXXX and XXXX payments current even though at the time I could barely afford food to feed myself, but my XXXX payment was 35 days late and was reported on my credit report dropping it by an astounding amount of points. I was late again on XX/XX/XXXX still, I finally was able to get everything caught up and fixed on XX/XX/XXXX making a {$110.00} payment. I tried my best to contact capitol one to try and help me remove this late payment that reported to my credit agency. to no avail. I have never been late, nor will I ever be late at my own fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
They just told me that over XXXX dollars in interest is added each month I don't make payments using a forbearance method. The is the first time I have ever heard of this ASTRONOMICAL greed bearing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: IA

Complaint narrative:
Ic system company just report on my credit report about XXXX the have been closed since 2015 and the items be returned to them and bill as well and now used my information and privacy sell to three parts and need removed immediately

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Im a victim of identity theft these consumers are still validating information incorrectly although Ive already complained that Im a victim of identity theft to all major credit bureaus monthly they are still saying its a balance placing calls to my phone mailing things to my address and again I have no knowledge of these fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts need to be removed ASAP its messing up my lively hood and they are reporting Fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
Im a victim of identity theft these consumers are still validating information incorrectly although Ive already complained that Im a victim of identity theft to all major credit bureaus monthly they are still saying its a balance placing calls to my phone mailing things to my address and again I have no knowledge of these fraudulent accounts XXXX XXXX XXXX XXXX XXXX Gold star finance XXXX XXXX XXXX these accounts need to be removed ASAP its messing up my lively hood and they are reporting Fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Starting in XX/XX/XXXX, I began the process of refinancing my VA Loan. I kept making payments, and sent in my payment on time for XXXX. FREEDOM MORTGAGE CORP, decided to not apply the payment and instead sent the check back around XX/XX/XXXX. I still was on late as the payment wasn't due until XX/XX/XXXX. I then tried pay by phone and they stated I was not eligible to make a payment over the phone because I was in the process of refinancing. FREEDOM MORTGAGE CORP then even before 30 days past sent a late payment of 30 days to all of the credit Bureaus, I believe in an effort to prevent me from refinancing. Luckily I was close enough to closing that it did not affect my negatively at the time. I contacted Freedom Mortgage Corp Loan at ( XXXX ) XXXX about my Mortgage ID number is XXXX, they at first tried to deny that I sent them a check so I forwarded them a copy of the check and the return envelope they said they would fix the error, but nothing ever happened. I am in the process of relocating to another state and need to be able to purchase a home using my VA Loan privileges again and I am worried this will negatively affect my ability to get a loan or at the very minimum prevent me from getting as low of an interest rate as possible. I have sent multiple disputes using the various Credit Bureaus and the dispute keeps coming back that the record it accurate. I am hoping I can obtain some help from you in this matter. I will also try and reach out to the VA Home Loan Group and file a complaint there as well, because I am sure I am not the first Veteran to be treated this way by FREEDOM. They address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. 
I really hope you can help me out with this problem. Thanks so much

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 2020-06-30 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
XX/XX/2020 {$830.00} Settlement was paid to FCO Requesting a deletion off all credit reports and a conformation email stating that this has been paid.

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have filed a number of complaints against American Express. I have also submitted a request with the XXXX to stop marketing of credit cards to me. I also specifically made a request to American Express to discontinue marketing to me. I have tried to use their advertisement and was unfairly denied for their business card. My business XXXX XXXX XXXX XXXX is registered in my name and likewise i have requested American Express stop marketing to me. I have a XXXX credit score and otherwise qualify for my credit cards. I do not want to be part of marketing where i am denied credit. As such, i have made every effort to stop marketing material from American Express. I was sent another marketing today, this time to my email for American Express. I was again not approved and i have multiple times told American Express to stop sending me more advertisements, which they deny me for. I am not interested in the material and i have made multiple requests for these communications to stop. I do not want any more of these advertisements or promotions. I was promised by American Express in writing that i would not receive any additional marketing and i still get marketing. I chose to unsubscribe and expect the communications to stop from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Scheduled final payment of {$750.00} to be withdrawn from acct on XX/XX/2020 After talking with my partner we decided to make our final payment of {$750.00} on XX/XX/2020. On XX/XX/2020 OneMain withdrew {$750.00} from our acct. I was not given a reason why only that an overage check was approved on XX/XX/2020 but company policy said there has to be a 14 day waiting period before my check is mailed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/20 BEFORE XXXX XXXX American Express called my job about a debt. The economy is fragile and here they are calling people jobs about a debt which is indeed illegal and inappropriate. The lady explained that i am to give her a call back and left great detail with my boss. 

XXXX IS THE PERSON NAME CALLING AND LEFT A CALL BACK NUMBER OF XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 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: GA

Complaint narrative:
Since XXXX, I've been disputing a medical bill with Experian from XXXX. I went through all the proper channels of contacting both companies but am not being heard. I contacted Experian recently via mail, phone and online for assistance with a medcial bill reflecting on my report that I advised I didn't owe. I've always had active medical insurance since XXXX ( as a XXXX  in college ), and I've never neglected a bill nor created one without the use of my insurance. I have documentation that insurance was available to me at the time of this medical claim, and that insurance could cover this entire bill had it been my hospital charge. 

I filed a complaint with XXXX  on not giving up " the burden of proof '' showing where this debt is VALIDATED. All I received ( see attached ) was a bill with the name on it. No signature form or any other pertinent information showing that this is indeed my debt. 

I am looking for assistance with getting this debt deleted since all debt validation attempts were not executed by the Credit Bureau Experian or the collection agency XXXX. 

I have attached all dispute correspondence of the past to see that proper measures were taken without proper reciprocation. 

I ask that this account is deleted from ALL bureaus starting with Experian due to their negligence of proper due dilligence to properly protect me as a consumer. 

Thank you, 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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX Company 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 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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX Company 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 XXXXXXXX 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 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I was double charged on my escrow for the home insurance payment last year - {$800.00} on XX/XX/XXXX and then {$810.00} on XX/XX/XXXX. My husband and I tried contacting the Mortgage Company ( Flagstar ) to see what happened - apparently the first check issued ( {$800.00} on XXXX ) is not enough to cover the total due amount. 
Flagstar issued a second check on XX/XX/XXXX for {$810.00}. Flagstar deducted both in our escrow. 

On one of the calls Flagstar was saying both checks has been cashed in by the insurance company ( XXXX XXXX ) based on their records. On another call where I was with XXXX XXXX ( insurance company ) and Flagstar Bank ( mortgage company ) - XX/XX/XXXX sometime XXXX to XXXX XXXX, XXXX XXXX confirmed they did not cash in the other check ( {$800.00} ) and the representative from Flagstar Bank confirmed that the other check was not cashed in. Flagstar said they will check with their department. Maybe 2 to 3 weeks after that my husband called and he was able to talk to a team leader from Flagstar - the team leader said they will try to ask approval for a refund from their leadership/upper management. Today, XX/XX/XXXX, I did a follow up on the refund request and the representative I talked to didn't even tell me anything about it. He said they'll have to contact the insurance company again. It's like they don't keep a trail of what is happening in our case or they just want us to run in circles. I asked him what the status of the refund request was, and that's the only time he said it was rejected! He was purposely leaving out that information from me, it is so frustrating. I work fair, I pay fair, and I live fair. I just want back the money that is rightfully mine. 
Up to this day we did not receive anything - not a check in the mail or not a refund in our online account.

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a debit card from usbankReliacard.com that I did not request. In order to deactivate it, I first need to activate it which I do not want to do. I understand this is fraud but can't get through to us bank to cancel this.

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had my credit card ending in XXXX cancelled without any notice given on XX/XX/2020. I contacted customer service and spoke to a supervisor who said her name was XXXX, employee Id XXXX. She told me it was cancelled since I had not used it in six months. I asked her why I was not notified, even the courtesy of a phone call or email that it would be cancelled for lack of use, and she abruptly stated they are not required to do so. I explained to her that part of the reason for non use was due to COVID-19 but she couldnt care less. 

I told her I had {$35.00} in cash rewards on the card and she told me they had been cancelled. I asked her to reinstate the account and the cash rewards and she outright refused to do so. I ask her then to send me a cheque for the {$35.00} and she refused. I asked to speak to her supervisor and she refused, stating I could only complain to the bank president and only by regular mail. 

I have been treated in an appalling, disrespectful and insensitive manner by a bank who I had dealt with for several years and my account was in good standing. I would like the bank to reimburse me the {$35.00} that I legitimately earned. Fifth Third Bank is reaping millions of dollars by summarily cancelling customer accounts without notice and forfeiting their rewards. Any reasonable person would view this type of conduct repugnant if done by anyone, let alone a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase 's website makes it very difficult to check the statements and to navigate to see details. 
It is very heavy, and it hangs several times. 

I had, a few times, to give up checking my statement because Chase makes it difficult, or impossible, to use their website. 

Please pay attention : this is NOT an issue with my computer. I have cards with 4 other banks and all of them work absolutely well, and quick. I don't spend more than a few minutes in each access. With Chase, however, it is almost impossible to do what is needed. I work in XXXX  and I assure you this is plain bad programming - I tried to be fancy, your programmers delivered what you asked, but Chase ignored the signs that the website is just too heavy to respond to clicks. 

Also, regarding the design : who thought that opening the transaction on a list on the right side of the screen was a good idea?!

Company response to consumer: Closed with explanation