vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID

Complaint narrative:
Lakeview Loan service or XXXX service. The loan service was contacted on XX/XX/XXXX for 41 minutes due to not being able to log in to my account on either the app or website. After re-setting my password and re-registering my account twice the tech support was not able to help me and I was told I would receive a phone call in a few days with other solutions. I never received a call but tried to log in a week later and it seemed to work. 

Saturday XX/XX/XXXX. Customer service called about login problems with same error message and was on the phone for 30 minutes with no resolution with payment due on XX/XX/XXXX. Was told my problem would be forwarded to Tech support and they would get back to by by Wednesday and my payment would not be considered late until XX/XX/XXXX. 

Today, Thursday XXXX, I still had no word from tech support and numerous login attempts and password re-setting later, I contacted the customer support line again. I was told to reset my password with the same directions as previously failed with error message " Problem occurred trying to validate credentials. Please try again. '' I was transferred to the tech support team, had my account deleted twice and had to re-register twice. The second attempt was successful. Asked the support woman to stay on the line while I made a payment ( she did not ) and then logged off and attempted to log back on the my account ( after making a payment ), and was given the same error message. All of this took another hour of my time and has yet again failed to maintain my ability to make payments or log on to make sure my land taxes came out of my escrow account later this month. 

Although the gentleman that originally helped my on XXXX was kind and helpful, there was no follow through. The woman from tech support today was rude and condescending with accusatory tones that somehow my ability to login to my account must not be the companies fault since they could not see anything on there end that would cause such a problem.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I purchased a used vehicle from XXXX used car dealership in XXXX of XXXX at over {$14000.00} ( extremely high interest rate from their predatory lending ). The car was financed through Santander Consumer USA bank. I made my payments to them from XXXX until XX/XX/XXXX. With 5 more payments due on the loan, I traded the car into XXXX XXXX XXXX on XX/XX/XXXX where they paid off the remaining balance of the car loan. While XXXX was checking my credit report, they realized that my 6 years of payments to Santander wasnt listed on my credit report. Therefore I contacted Santander to see why it wasnt listed, and they claimed it was removed by my bankruptcy lawyer which is untrue because a lawyer doesnt have the authority to do so, only a creditor ( as in Santander ) can do that. My Chapter XXXX debt consolidation bankruptcy was filed in XXXX of XXXX and DID NOT include the car loan with Santander as I was making those payments directly to Santander. After numerous calls over the years of this loan, Santander refused to supply me with any information on my car loan. Today I was able to have them send me my payment history via email so that I can submit this complaint against this horrible and unprofessional company so that they can do the right thing and report my payments to the credit reporting agencies like they should have been doing for the past 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I asked for verifiable proof that the debt was mine and have not been given that. This debt was the cause of Identity Theft. I disputed early part of 2019, please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: NC

Complaint narrative:
I recently attempted to dispute a bankruptcy showing on my credit file with Experian ... Experian responding saying item was verified as correct with XXXX XXXX courts I then contacted the courts who stayed they have no records of said bankruptcy filing reference XXXX contains my name and that they had NOT verified or provided any information to Experian ... .I then reached out to Experian again and received credit report # XXXX dated XX/XX/2020 which now referenced the source of the bankruptcy as XXXX XXXX I contacted XXXX XXXX and received a copy of my file which still does NOT reference bankruptcy XXXX as Experian has listed I then filed a compliant with CFPB XXXX were Experian XXXX they would NOT take any actions as my disputed appeared to be from a third party. How can they say this when I provide a copy of my drivers license social security card and credit report showing the bankruptcy listed on it ... I believe Experian is violating my legal right to dispute invalid information and it is causing undue financial hardship for me .... I will be obtaining an attorney for legal assistance with this matter if no valid dispute is allowed on this item I am providing photo Government issued ID Proof of address, social security number and credit report as the previous response stated these items were needed although they were attached I have also attached communication from XXXX XXXX confirming they do not have bankruptcy on file for 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 2020-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Frontline Financial, LLC
State: GA

Complaint narrative:
I began the loan process with Frontline Financial LLC if XXXX XXXX XXXX, UT on XX/XX/20. I was told that their process was unique that your file went underwriting first to get a full approval instead of a Pre-approval which I thought was a great fast process. After several months of home shopping and being constantly encouraged to find a home soon by Frontline I found a home that I placed an offer and was accepted in the home on XX/XX/XXXX. I was asked to submit my requested information which I did before the anticipated closing date of XX/XX/XXXX. The company is now not giving me the correct information to close and constantly are changing the required documents needed to close. I can never reach anyone by phone from the mortgage broker or loan processor. My home desk is in jeopardy of falling through due to Frontlines unprofessional and shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
After trying to obtain IRS Transcripts online, I was asked to provide ONE of the following. Home Equity Loan Account Number, Student Acct Number, Auto Loan Acct Number or Mortgage Acct Number. I have a student Loan. I look at the Statement from My loan Servicer Great Lakes. When I entered the information. The IRS stated that this information was inaccurate. So I gave GREAT LAKES A call. The 1st Rep gave me an extension of my account number, I tried that and the IRS stated that that was incorrect. ( online ) I called for a 2nd a 3rd Time, Was told to called XXXX only to find out that they will not give you any information, However they will verify it if you have it. I put a call into the US Dept of Education only to be led down another dead end with only me divulging information and not receiving. I felt each time as if I was speaking to a collections company. Not to mention I never received the correction information. I contacted the IRS again and was told I need to ask for my XXXX XXXX Account Number. The Servicer was completely clueless regarding my request as to what else they could. Each company asked me to contact the other. My question or concern is how can someone collect, ask, service or take payments from me without having a valid and or a legitimate account number to apply my payment to. The very last phone I made was again to Great Lakes where I spoke to a supervisor. I was told by the Supervisor that Great Lakes is the Loan Seriver and the loan number would come from the lender. I asked for the Lenders information and she gave me XXXX XXXX XXXX and I asked her who it was that I was calling and she again stated it was the US Dept of Education. from XXXX E. When I called I spoke to a representative they told me that they work with the US Dept of Education but they are Student Loan Support for the website Studentaid.gov and they don't have the information. I was led down yet another dead end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am unable to link my pnc account to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I have applied for a {$400.00} loan ... in contract I was supposed to payoff my loan payment with a 6 payment withdrawal from my bank account. I made well over 10-12 payments of {$100.00} thats over a {$1000.00} for a {$400.00} loan! 
I have tried calling the company no answer for a couple of days and finally I got in. And all they said was that they will keep withdrawing from my acct until they are satisfied ... I am like what the heck. And they just hung up on me.!! 
I sent emails no replies back. The only thing I get is that my acct is going to be debited for payment of {$100.00}. I emailed them with that email sent to me. No reply.

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 2020-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
in 2014 my student loan account came out of forbearance without my knowledge. After spoken to a Representative she pushed the payment day for me to reflect that my account was current on the payment. a few weeks later it shows that I was behind on my payment even tho the payment date was changed and the representative told me not to worry about it the issue should get fixed within a week. since then I been disputing the late payment with negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have had the credit card for several years and have always paid full balance didnt carry a balance. Barclay Bank closed the account recently. I tried to redeem the rewards as I have accumulated over the last few years as statement credit, couldnt do it online, so I called the customer service, was told it will be redeemed and applied as statement credit within 7-10 business days. But instead I received a letter in the mail that stated can not assist me with the rewards redemption.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX I found many accounts open under my name the report and the accounts I listed they are fraud I never open this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
On or about XXXX XXXX Midwest Recovery Systems placed an item for collection for {$780.00} on my credit report stating it was opened XXXX XXXX. On XXXX XXXX I mailed a certified letter to request validation that was received and signed for by them on XXXX XXXX and I have not received any response from my request to validate as of yet. This company also attempted to collect this same debt in XX/XX/2018and a letter of validation was sent at that time as well and their was not any response at that time as well it was just removed from my credit report until recently being placed back on their. I am asking for the company to validate that the debt is not past the statue of limitations, the amount owed, the original opening date. I have not had any form of communication with the company and I have not received any letters giving me the opportunity to dispute the item which is my right. I would like for them to remove this inaccurate information from my credit report immediately and cease reporting inaccurate information to the credit bureaus. They have also placed a remark on my credit report that I have disputed the account which I have not been given the chance to do so because I have not received a response to my request for validation from either attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, Transunion & XXXX. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
With an XXXX credit score, I had a Citi Diamond Preferred credit card that I paid in full monthly for 13 years. Today I received an alert from my identity theft company that my account was suddenly closed. I called the number on the back of my card and reached a non-US call center with a supervisor who didnt know why my account was closed - all he could do was re-open my account! A debt settlement has been put on my XXXX  credit report. I DID NOT negotiate payment of debt for less than what is owed. I pay my full balance monthly on all my credit cards. No one at Citigroup can give me the contact information for who closed my account and reported this error to 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 2020-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX I found many accounts open under my name the report and the accounts I listed they are fraud I never open this is identity theft.

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 2020-06-04 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: CA

Complaint narrative:
I XXXX XXXX I found many accounts open under my name the report and the accounts I listed they are fraud I never open this is identity theft.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/XXXX I applied for a auto loan with NFCU for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by Navy Federal Credit Union. I recently applied for a loan ( not NFCU ) and noticed that there were some inaccurate information being reported by NFCU on XX/XX/XXXX to ( XXXX, XXXX, XXXX ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid,  closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with NFCU bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Credit Card Account Status Account is still delinquent status Capital One Auto Finance is Joint contractual liability I have asked to be deleted from this contract they have not done it yes. XXXX XXXX XXXX XXXX disputes after resolution auto. XXXX XXXX XXXX open account still payments are being made by financial counseling program still showing delinquent. XXXX XXXX XXXX is showing open debt was closed The have put this account into collection original XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX this account was discharged in bankruptcy XX/XX/XXXX Consumer disputes after resolution re-affirmation of debt. Capital One Credit Card delinquencies Capital One Auto Finance account was delinquent 90 days account was in dispute now resolved reported by provider account was paid off XX/XX/XXXX needs to be deleted Credit Bureau dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 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: LEXISNEXIS
State: NC

Complaint narrative:
I have reached out to XXXX XXXX on several occasions asking them to supply me with thXXXX XXXX XXXX   information they are using to 'validate ' judgements they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. I have contacted the deputy clerks of each district and they have assured me that they do not supply 3rd party including credit bureaus information about court cases. XXXX XXXX has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Below is a copy of a letter I sent to XXXX XXXX This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in credit reporting, regarding the entry being reported under By not replying in a timely manner to my initial letter XXXX XXXX has not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have XXXX XXXX clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious errors in reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 (  C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company.

Company response to consumer: Closed with explanation