vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed unverified and unauthorized accounts with the credit bureaus and they have taken them off my report

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 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
We ( me and wife ) received escrow disclosure statement from our mortgage company Call Specialized Loan Servicing, we send them a letter that according to their own statement we overpaid, but they are saying there is shortage which they can't explain or never even responded to our letter, we need to clarify as to only things paid by them is our Property Taxes and Home Insurance which by their statement on page 3 is monthly {$760.00} x 12 = {$9100.00}. On page 2 of the statement from XXXX of XXXX to XXXX of XXXX we have paid {$10000.00}, which is over payment of {$1200.00}. 

We have attached the Escrow Account Disclosure Statement of XX/XX/XXXX Letter of XXXX XXXX which they said never received. ( conversation of XX/XX/XXXX with XXXX XXXX and 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 2019-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I am submitting this complaint, because since I've bought my house in XX/XX/XXXX I feel that Lakeview loan services has mishandled my escrow accounts. As a result I've owed almost {$2000.00} in property taxes in XX/XX/XXXX, and XX/XX/XXXX. Each time I was given less than 30 days to pay this amount. In addition my mortgage payments have risen over {$150.00} and may rise as much as {$300.00}. Below is a chronological description of the past 2 years, and the reason why I feel that a complaint is warranted. 

What you won't see is the supplemental tax that I paid in XX/XX/XXXX which was approximately {$1900.00}. You also wont see the mortgage increase from XX/XX/XXXX 0f approximately {$40.00}. 

Lakeview loan services sent me a notice that I have an Escrow Surplus/Shortage of {$1900.00}. On a statement that was sent to me I see an escrow shortage of {$300.00} in the month of XX/XX/XXXX. As of XX/XX/XXXX the same statement shows an escrow balance of {$800.00}. 




In XX/XX/XXXX my insurance will rise from {$740.00} to {$960.00} In XX/XX/XXXX property taxes will become due in the amount of {$3500.00}. 




Lakeview loan services is telling me I have a escrow shortage of {$1900.00}, and if I pay that shortage my monthly mortgage payment will also rise from {$2200.00} to {$2400.00}. My monthly escrow contribution will then rise from {$550.00} to approximately XXXX. 




As of XX/XX/XXXX when I make my mortgage payment of {$2400.00}. take from that XXXX for escrow. I will pay {$1900.00} that Lakeview is saying that I must pay to keep my mortgage from going up to {$2500.00}. When I factor in the balance that I can prove on the statement of {$800.00}. All total that will put my escrow balance at {$3300.00}. Out of the {$3300.00} Lakeview loan services will pay my insurance of {$960.00}. My balance will fall to {$2400.00}. 




My next escrow disbursement will be in XX/XX/XXXX. It will be for property taxes. From my XX/XX/XXXX through XX/XX/XXXX I will make my mortgage payments Each of those months will yield {$670.00} for a total of XXXX. When I total that amount with the {$2400.00} it comes to {$5700.00}. 




In XX/XX/XXXX Lakeview loan services will disburse {$3500.00} to property taxes on my behalf. from the last paragraph Balance of {$5700.00}. That will then leave a balance of {$2200.00}. 




From XX/XX/XXXX through XX/XX/XXXX I will continue to make monthly mortgage payments of {$2400.00}, yielding {$670.00} per each of those months. That comes to a total of {$2700.00}. When added to the {$2200.00} mentioned in the last paragraph the total becomes {$4900.00}. 




The XX/XX/XXXX disbursement to property taxes made on my behave by Lakeview loan services of {$3500.00} that will leave an overage of {$1300.00}.

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 2019-05-24 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: LoanCare, LLC
State: TN

Complaint narrative:
My loancare keep reporting false information to credit reports. These false reporting cost me jobs and personal and car loans. I have only 4 or 5 on time payment past 2 years reported which is false. Update correctly loan balance they got XXXX or XXXX + on credit report but XXXX on website and paper work XXXX. XXXX XXXX paid. 
XXXX paid. XXXX paid XXXX paid. XXXX paid XXXX paid. XXXX paid XXXX paid. XXXX paid. 
XXXX paid. XXXX paid XXXX paid XXXX paid XXXX 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 2019-05-24 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
One theft stole my credit card to purchase almost {$700.00} products in store. I reported these fraud activities to Bank of American fraud dept which has refused to dispute these charges. The reason of this decline is that Bank of American found the theft used this chip card to make these purchases. According to them, it is impossible to duplicate my credit card with Chip. I have reported this to XXXX XXXX Police Dept, the detective has found the camera footage which can identify the female theft who had used my credit card to make these fraud purchases. I did send all police reports to Bank of American fraud department 2 weeks ago. Bank of America sent me a reject letter again yesterday and stated that they rejected my dispute request based on their research. I called fraud department again yesterday who claimed that they still didn't receive my police report. Bank of America is a company you can't trust, the people worked there didn't care about their customer and keep telling me there was no record. They refused to give me any further information until they received my police report. So I faxed my police report to their fraud department today. I will keep appealing until they dispute these fraud charges.

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 2019-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TIDEWATER FINANCE COMPANY, INC.
State: PA

Complaint narrative:
I purchased furniture from XXXX XXXX in XXXX. It was financed for Tidewater Financial Services. It is interest free for one year. I am re-financing my home with an FHA loan and I have to close all my accounts that involve credit. I called Tidewater with someone from the mortgage company and Tidewater said that they are not permitted to close the account unless it is paid. the mortgage count has said this is very unusual. I then contacted Tidewater via a web chat and was told the same thing. Tidewater is one of the companies that will be paid off with the loan. They will not close it for me. I have read some reviews about the company and I see that a great deal of people have had similar problems. This is causing a hold up of my loan and will make

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Enhanced Recoveryis reporting a debt for {$970.00} in 2018. I am a victim of identity theft. I do not have an agreement with this company and I do not owe this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I wanted to get some help for I am being defrauded. 
I've been defrauded by a women who I dated for couple of months, I leased the car worth {$23000.00} 2019 XXXX XXXX under my name on XX/XX/2019 for her to commute because she has no credit to buy or lease the car on her own and her existing car has serious problems and so she can no longer drive that car. 

Right next day after she took the car from a dealer in XXXX, she discontinued and blocked our conversation over text and voice as well ( she did not respond nor answer my text ) and 5 days later she said she wanted to end the relationship out of nowhere. 

I asked her why didn't she tell me sooner and took 5 days without any communication or stop leasing the car when she knew that she was going to end the relationship the right next day? 
and she said she never asked for it but the fact is we've been shopping for a car over a week and I even shopped at the dealer while she was at work and sent cars information back and forth over text messages and we already discussed on the car issue quite some time and now she is trying to get away with the situation when I am left with {$23000.00} car for nothing. 

I already have two cars of my own and no other cars needed for me and I really don't know what to do with this terrible situation.

I asked the dealer if I could return the car but they said it is done deal and they won't accept it back She was there when we leased the car the whole time, she saw I signed the contract, a sales person is my witness and she was the one who drove off from a dealership and after she ran over 100 miles during the last 5 days and she left me a debt for {$23000.00} I can't sleep nor eat because I feel so sick and stressed out in this situation and needed to get help from consumer advocate like you I believe fraud is a serious crime and I firmly believe that she must take the responsibility on this matter. 
I have all the evidence such as text message conversation and witnesses. 
She resides in XXXX, California Please advise me what I can do to get out of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: MO

Complaint narrative:
My loans through Navient were disbursed on XX/XX/2007 with loan 1 original principal of {$12000.00} and loan 2 original principal of {$10000.00}, both with an interest rate of 6.65 %. As of today my principal on loan 1 is {$22000.00} and loan 2 is {$13000.00}. When I looked at how my payments were being applied, I realized that nearly 100 % of my payments were being applied to interest. Of the {$7300.00} I have paid toward these loans, only {$710.00} has been applied to the principal. The Capitalized Interest has added {$13000.00} to the principal since there is practically no reduction in principal each year. My current balance is {$36000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: IL

Complaint narrative:
Hi, the problem Im having today is Experian is continuing to report a XXXX XXXX Auto loan on my report. The account is fraudulent it was removed by every Credit reporting agency except Experian. I have the fraud report and also I reported to the Illinois Attorney General Office that report is attached as well. The XXXX XXXX account number is XXXX. I ask that CFPD assist me with the suing of Experian for the fact of reporting this fraudulent account. This is against the FCRA guidelines and hug violation to report fraudulent information on a consumers credit report.

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 2019-05-24 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: NY

Complaint narrative:
There are accounts on my credit report that I do not recognize and the credit bureaus have not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Aforementioned collection agency, attempting to collect an alleged debt, has failed to acknowledge that the debt is disputed, even after being sent multiple letters and evidence showing the debt was indeed disputed. 

On or about XX/XX/2019, Complainant received a call from a representative who identified herself as a collection agent for First Financial Asset Management. I advised her, as per my rights under the FDCPA, that she and her company was not to call this Complainant after this call was finished. The representative also advised me that the alleged debt was for XXXX XXXX XXXX XXXX. I advised her that as per my aforementioned rights the debt was disputed within the thirty ( 30 ) day period of first communication and that I wanted an address to write a formal letter of dispute. She provided it and an account number. I sent a letter of dispute, via certified mail, which was indeed received by the First Financial Asset Management office, which replied with a verification of debt, which I stated in the first letter of dispute that I did not need, as I was aware of what the alleged debt was about. 

I sent three more letters, on the XXXX of XXXX, the XXXX of XXXX, which contained evidence of my dispute, and a final letter on XX/XX/XXXX, demanding a letter from First Financial Asset Management,  stating the matter was in dispute. ( All of these letters were sent certified mail and were received by the FFAM office in XXXX XXXX, Georgia. ) They have failed to acknowledge the letters and have basically placed me in a state of limbo, so to speak, on the status of this matter. A complaint was filed with the Georgia Attorney General 's XXXX, but they deferred this complaint and advised me to file one with your office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019.  Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are accounts on my credit report that I do not recognize and the credit bureaus have not verified.

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 2019-05-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are accounts on my credit report that I do not recognize and the credit bureaus have not verified.

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 2019-05-24 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I contacted Navient in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed Navient a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how Navient calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/XXXX, XX/XX/XXXX,  and XX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what Navient is billing me for. On each disbursement that Navient is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where Navient received my correspondence. Navient also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and Navient has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XXXX but I am being billed for these years. Navient has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NIC, Inc.
State: TX

Complaint narrative:
Sent a debt validation request and was refused by NEMO collection agency. Please see my attached evidence for the refused delivery marked by the USPS office. I never received my right to dispute the debt as allowed under the FDCPA & FCRA act. The debt was just added to my credit reports without knowledge. I can not have my right to dispute or request validation of the debt and HIPPA consent requested. This debt must be removed immediately due to refusal to allow my validation of the medical debt in question. Now once you review this complaint you will know my rights and request and will be under the statue to comply. Also sent a fax on XX/XX/2019 Letter attached for Nemo Collections Returned Envelope marked as refused by postal worker attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
OnXX/XX/19 I received a credit report alert stating that Penn Credit has placed a collection/charge off in the amount of {$120.00} with an assigned date of XX/XX/19 on behalf of XXXX XXXX/XXXX. This collection was also on my credit report under XXXX  XXXX XXXX  back in XX/XX/2019 and was deleted off my report on XX/XX/19 around the same time Penn Credit stated it was assigned the debt. I spoke with a customer service rep at Penn Credit on XX/XX/19 and stated I never received a dunning notice or any other communication in regards to this debt that appears to have been transferred over. She replied that a notice was mailed out onXX/XX/XXXX and that I should receive it in the mail any day now and that attempted to call a phone number which was not mine. Penn Credit placed a negative collection on my report before I could sent a DV letter in regards to this matter. I have paid the original creditor XXXX XXXX/XXXX and do not owe Penn Credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Last XX/XX/XXXX, Navient sent me 3 letter telling me that they were going to due me due to my inability to make payments. I have been on XXXX since XX/XX/XXXX and made them aware of it. In XX/XX/XXXX, I gave them a payment of XXXX. The man who took my bank information then set up a payment plan for Navient without my consent. When I called to confront the company they lied and said that they did not do that. The young man then baited me into an argument which lead to them calling the police on me. In XX/XX/XXXX of this year, I requested to have my loans discharged due to being on XXXX for over 2 years. They told me three times that they sent the paperwork and never did. Then they began to call me 5 times a day. I blocked their number as per consumer affairs bureau stated that they could only call me once a week. The young lady on the line told me that she would call me 8 times a day. So I blocked her. I originally borrowed XXXX to pay off medical debts due to the state of California denying me XXXX. I would not had been able to continue attending school due to my XXXX  and inability to get medical care that I needed. I was asked to participate in the civil law suit but was unable to due to my previous job that I worked 60 hours per week. I contacted thy XXXX and have not heard back from either. Please help me. Thank you.

Company response to consumer: Closed with explanation