vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I have been in the refinance process with Lakeview Loans and XXXX XXXX XXXX since XXXX of 2021. They chased me for months to refinance. I finally responded to the incessant hounding and began the process. Almost 6 month later, I have not even come close to closing. XXXX XXXX XXXX has had my file in some form of review or underwriting but barely communicates with me on it. I have to chase and escalate, only for them to come back and ask for things I have already provided or for more information after having been told previously they have everything they need. I provide everything back quickly and then do not hear from the again and have to chase and chase. This has been months. I have great credit score. I shut down my HELOC for them so we didn't need to go to subordination. I have over plenty of assets and my condo has been evaluated at well above the refinance amount. I have given them everything they need time and again. This is now a situation where I have been held financially XXXX for months and am unable to make any other financial moves in case it may affect my credit. They are unwilling to answer and questions and after months just reassigned my loan without and information. XXXX XXXX and her boss XXXX XXXXXXXX are not responding at all to my questions. The only person who has been decent through this is XXXX XXXX. At this point, I am starting to wonder if this is taking so long and I am under so much scrutiny because I am a single mother. Would it take this long for a married couple or a man? I have been assured by everyone I know that their refinances did not take even half this time and yet I can't seem to move forward at all on mine. This company is not working for the customers at all and are causing me financial hardship.

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 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Cavalry SPV, LLC is the debt collector who keeps contacting me by phone, harassing calls and have reported this unverified to debt to all three credit bureaus. I have asked them several times to validate this debt per XXXX XXXX XXXX XXXX ( b ) of the FDCPA guidelines and they have yet to do so. This collection has caused me to endure denial of credit, lowering my fico score and causes defamation of my character. Cavalry sent my billing statements from XXXX XXXX and some redacted XXXX post early out flow sheet which doesnt validate this debt as l have requested on XXXX see attached letter sent and in their response dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
XXXX XXXX I went into local XXXXXXXX XXXX PNC Bank branch and changed address from XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX All statements have been received to date at the XXXX XXXXXXXX XXXX address for account in question. 
XX/XX/XXXX I received a notice of unclaimed money from a XXXX XXXX XXXX ( private company ) offering to reclaim child 's XXXX funds for a fee of {$910.00}. 
XX/XX/XXXX I called PNC toll free customer service number and waited 30 minutes - no one answered. 
XX/XX/XXXX I called PNC special fraud number, waited ten minutes, got a ring tone, rang for 50 times and I eventually hung up since no one was going to answer. 
XX/XX/XXXX I called PNC XXXXXXXX NC local branch and spoke with branch manager, XXXX XXXX, who informed me that account was closed due to inactivity and all funds were transferred to State of NC. I mentioned that I never received notification from PNC alerting me to the fact that there was inactivity and account would be closed. XXXX XXXX stated that a letter went out in XX/XX/XXXX. I have been receiving all statements for this account at my XXXX address but not this notice. 
XX/XX/XXXX I called the State of NC and spoke with XXXX who informed me that PNC transferred my daughter 's college funds ( XXXX Account ) to the State of NC on XX/XX/XXXX. They had an address on file of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This was my old address. PNC had my XXXX address. Why, then, did they send the notice of inactivity to the wrong address? Why do they have the right to cancel a XXXX account since I can not legally take out funds until my daughter turns XXXX? 
XXXX from State of NC submitted claim # XXXX and it will take 90 days for me to receive my daughter 's college funds. 
Question : Who is responsible for the {$20.00} fee that PNC is charging me for escheatment? 
Question : What will be the tax implications for closing a XXXX account prior to daughter turning XXXX? 
None of this was my fault. 

Thank you. 
Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my XXXX XXXX has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with Experian already. Experian has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for Experian stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help 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 2021-11-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX  ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Great American Finance Co
State: IN

Complaint narrative:
On Great America 's finance website, it states my " outstanding '' balance to be balance with interest. ( I had to figure that out myself, it only states outgoing balance ). This is deferred interest but no where does it state deferred interest or principal balance just " outstanding balance '' .They offered me 18 months same as cash. I do not owe interest yet. If I pay the loan off I would never owe. I would think this would be against Fair Credit and Charge Card Disclosure Act of 1988 or truth in lending Act. Since they tact on interest prior to it being due. I also don't see my interest rate listed on my coupon book. As I was about to rebudget my payment plan to include interest when I realized the outstanding balance was incorrect. What this loan company may do is not show the principal balance so people don't know what it is and don't pay it in time so they get the balance plus interest while being able to advertise " same as cash '' loan. This practice is dishonest and deceitful. I called and spoke to 3 different people. The first person when I started to complain about the balance being incorrect told me " don't do this ''. I am very much allowed to complain about your either illegal or shady practice. Another one told me a manager 's manager would be calling me and never did and the third one transferred me to loan dept who had no idea what I was talking about. I am currently calling back to get the manager of the manager to speak with. The rep informed me I was lied to about the " manager '' I spoke to earlier was not a manager. The rep is again telling me what I already know I don't owe interest if I pay off balance. Where do I see that balance? Not on payment book! Not on website! Where is the principal balance so I don't overpay. Finally got the manager who stated it is on the contract only but they never update and list the principal balance anywhere. They do not send out statements. I do not have the contract so I don't know what the interest rate I am trying to avoid is. It is not disclosed on coupon book or account info on website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: AZ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
@ Macy ' in 2020 I was purchasing when the clerk literally talked me into applying for a credit card. 
she said i was approved & a limit of a {$1000.00} was provided I never gave it much thought till I returned to the same store to buy the same gift merchandise I had the approved slip with me. 
From there I've literally gone through no less XXXX attempts in person @ the store to be told that a credit card would be issued and mailed to me. 
I've literally gone out of my way to in security for the all parties to find out why am I not getting the card in the mail I've kept logs of whom I spoke with my date & time & I still do not have the card. 
Bottom line each time I was told a card would be sent to my newest address in XXXX XXXX -but it has not been received I literally was went back to the store & even after their requests for a call back was told that a card would be sent

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 2021-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by Apple Card XXXX XXXX XXXX XXXX I was notified of this transgression of my rights specifically XXXX XXXX XXXX The Truth in Lending Act by Apple Card XXXX XXXX XXXX XXXX XXXX XXXX via XXXX mail. According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Apple Card XXXX XXXX XXXX  adverse action taken against me, denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( 2 ) ( A ) ( XXXX ) are up to ( {$5000.00} ) Apple  Card via XXXX XXXX is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, thank you. 

On XX/XX/2021 I paid my XXXX account in full to arrive at a XXXX balance. Not having any charges, I made no further payments. 

In XXXX  I received a bill in the mail stating I was late in making a payment, and I had a balance of {$30.00}! I called XXXX immediately to see what happened knowing this had to be an error. 

The customer service rep saw that I paid in full on XX/XX/XXXX, and there shouldn't have been any further charges added to my account. I believe he said it was an automatic compounded interest charge or something. Anyway, they erased all the interest and late fees that accumulated after the XX/XX/XXXX date and put my account at XXXX. 

However, XXXX weeks later I noticed on my credit report they had filed a late payment report against me. I've been trying to get them to remove this mark as it resulted from their error, but so far they have not removed it. 

For the past XXXX  years I have had perfect payment record on my credit report for ALL of my accounts. XXXX was no exception. I'm very upset that they've marred my credit report in this manner, especially right now as I've been trying to buy a house for the past XXXX months! This matter is interfering with my ability to obtain a good interest rate for a mortgage. I can't wait much longer for this to be resolved!! Please help. 

Action Steps I've taken since this issue was first brought to my attention : 1. I've called XXXX several times and spoken with agents. 
2. As they requested, I sent many messages through their secure message center explaining the issue to get resolved. 
XXXX. I sent a letter to the main XXXX XXXX in XXXX, to seek resolution. Customer Service told me in late XXXX that the only method was to write the bank itself in XXXX. 
4. I called the bank today to see if there was any news, and was told a letter was sent to me yesterday in the mail. Still no indication they've sent any updates to the credit bureau. 
5. I filed a dispute with XXXX XXXX in mid XXXX  and with XXXX on XX/XX/2021. 


XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EGL US, LLC
State: TX

Complaint narrative:
I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Lease was extended once. At end of extension I had hardship situation, my mother passed away. Vehicle was repossessed. I was able to finance the balance due in order to redeem my vehicle. 
Redemption process very hard, initially wouldn't provide a pay-off letter or sign an odometer statement. Loan was approved payment was sent overnight, however agent XXXX stated to use Suite numbeXXXX instead of box for delivery. It was a lockbox. They refused to reach out to XXXX XXXX ( lockbox holder ) to find payment for application. I contacted directly and finally had release for vehicle. These delays to 5 days, impound lot charged {$50.00} per day, costing me {$250.00} Upon payment application they started to send me auction house, then back to impound lot, but they sent incorrect paperwork twice, taking up half a day for me to retrieve vehicle. 
They did send me the title with the lien release, but they will not provide me with a bill of sale. I have called twice requesting this.The state of Texas will not issue a new title with lien to my new lender without that. The loan docs only show what I borrowed, but do not show if any additional payments might be made. Documentation of the exact amount is required to collect the vehicle sales tax. 
The payment included repossession fees. They are now stating I owe an additional {$320.00} even though I have a letter that came with the title stating paid in full. They will not provide an accounting or invoice for these extra fees. 
This is showing on my credit reports as a charge-off, but it is in fact paid in full. This same credit reporting also shows a balance due of XXXX KIA Motors Finance team doesn't not appear equipped to assist someone in redeeming their vehicle if they have the means to satisfy the 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 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I attempted to make a domestic wire transfer using Wells Fargo bank at XXXX EST on XX/XX/21. The bank charged me a {$30.00} fee for this Transaction. This wire transfer was supposed to be credited into my trading account with XXXX XXXX, to cover a margin call. My money was not transferred till end of day and when I called Wells Fargo for status, they stated that wire transfer can take 3-5 business days. I even spoke to a supervisor who repeated the same thing. I reminded them this is not a ACH or online transfer and is wire transfer and also pointed them to bank policy. After waiting for over 32 minutes, my call was hung up on and bank never contacted me back or returned my wire fee or money. 

I have attached screen shots showing : 1. Wire transfer confirmation at XXXX XXXX 2. Phone screen shot with times and waiting time of 32+ minutes. After this, I was hung up on. This should be in the Wells Fargo 's call logs. 
3. XXXX shot showing wire transfer policy.

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 2021-11-19 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: MA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One closed my venture one card without my consent. Due to the size of credit line, having that amount of open credit removed from my account materially reduced my credit score- which is going to materially impact my access to credit moving forward. 

They claim to have sent mail & digital communication- but did not wait for a response from me ( took the action without my opt-in ). This all happened at a time when I was caring for a sick family member ( with XXXX ). 

And when I called - multiple agents refused to reopen the account even though I was underdoing family hardship at the time. I've never missed a payment with them- and they treated me like I've never given them any of my business.

Company response to consumer: Closed with explanation