vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Lakeview Loan Servicing LLC ( aka XXXX ) FORCE-PLACED flood insurance on my home on XX/XX/XXXX, backdated the policy period to XX/XX/XXXX to XX/XX/XXXX ( which is probably illegal ) and charged {$2900.00} when market rates for a flood insurance policy range {$500.00} to {$600.00} per year on such a home. There were no floods during this time and unfortunately we were incorrectly advised by our broker the home was not in a FEMA flood zone and did not require flood insurance. We did not receive notice from the lender of the flood insurance lapse until XX/XX/XXXX. We then independently contacted FEMA to verify that the home was in an AE flood zone. We then immediately secured a flood insurance policy on XX/XX/XXXX, but were unable to secure the policy for the lapse period. On XX/XX/XXXX, Lakeview somehow force-placed flood insurance retroactively for the lapse period XX/XX/XXXX to XX/XX/XXXX with XXXX XXXX XXXX XXXX at almost 5 times the market rate for a flood insurance policy. Lakeview charged me XXXX XXXXas an escrow mortgage shortage, basically wiping out hard earned equivalent equity in my home. I now have to make up this charge by paying increased mortgage and interest payments. It appears, Lakeview was subject to class action suits for this same practice in the past and yet they continue to do it. I wouldn't be surprised if Lakeview and their broker pocket hefty fees to force place such overpriced insurance and assume they can just continue to get away with this. This is blatant taking advantage of the consumer by Lakeview and it's insurance broker. If it happened to me, I am sure it is happening to others.

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 2019-03-11 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: FL

Complaint narrative:
My name is still not correct! With all 3 credit bureaus! Yes XXXX  and Experian added my name in full but did not add XXXX As a suffix. My first name is XXXX Middle is XXXX Last or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX XXXX line of credit is only showing up on XXXX XXXX not on XXXX or Experian. XXXX store credit card is only showing up on Experian. Not on XXXX or XXXX XXXX. Also your companies blocked my auto loan from XXXX XXXX XXXX. XXXX XXXX was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. Experian take off discover card inquiries for the last time still on here.

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 2019-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Did not receive letters about debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In XXXX I contacted LVNV Funding, LLC in regard to info that they had sent to me in response to my request for validation for the XXXX XXXX credit card account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last Wednesday I reached out to the capital XXXX XXXX XXXX XXXX and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus but they said that its already been disputed and they will not look at it again. Then today I received a letter from a company called XXXX XXXX XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any information that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase my home and be given other credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have multiple credit cards with Chase. I opened a Chase XXXX XXXX card more than a year ago, a card with an annual fee of {$450.00}. I already had a Chase XXXX XXXX card, which is the less premium version of the Chase XXXX brand, and it had an annual fee of {$95.00}. 

I was led to believe by Chase representatives that with the Chase XXXX XXXX card, I would not be billed any annual fee on my Chase XXXX XXXX card. I was unknowingly billed {$95.00} on XXXX XX/XX/XXXX. I was not aware of this billing as there was a credit balance on the account, and the assessment of this fee seemed to cancel out the balance and made the charge itself ambiguous. I received a statement in XX/XX/XXXX telling me that another {$95.00} was going to be billed on XXXX XX/XX/XXXX, and I immediately called customer service to stop the annual fee. 

Chase has refused to fully refund the {$95.00} annual fee on the Chase XXXX XXXX product and has only agreed to refund {$7.00} of this amount. I have not used the card once since the last time the annual fee was billed, and I do not even have the card in my possession. I have been using the premium version of the card, the Chase XXXX XXXX card. I never received any statements for the XXXX version of the card and was hardly aware that it was even open. 

I feel misled and disrespected as a customer, as Chase misled me as to the correct fees on my accounts when I opened their most expensive card ( Chase XXXX XXXX ). Furthermore, I feel like an XXXX for being taken for {$95.00} whilst never getting to use any of the benefits or features of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Had an issue with my escrow increasing over the passed 2 or 3 years. This is the XXXX time I have filed a complaint about my escrow. After talking to my mortgage company, Chase Mortgage, it was explained to me that my escrow had increase the last year by {$700.00} and {$700.00} the year before that a total for {$1400.00} in two years and that was a very huge increase even for the year or the last 2 years and I would have to call my Insurance company, XXXX XXXX to find out why. After talking to XXXX XXXX, all they could tell me is that it had increase due to inflation and nation wide disasters such as fires in California, earthquakes, etc. Ok, first off I live in Kentucky, no where near any wild fires from California. She said she was just giving examples but I told her that I am in KY and not in California. Asked her if California is in the United States, she replied yes, I then asked her is KY in the United States, she then said yes. I said ok that means what you just told me is natural disasters that happen in California effect my insurance rate all the way in KY. I am so sick and tired of dealing with this XXXX! To be honest I have a lot of stuff wrong with the house as it is that I don't have the money nor the time to fix its not even funny. But here I am paying {$1300.00} a month for a house that's falling apart and wont sell for what I still owe. I might take one step forward trying to do an update on the house by replacing the back doors because they are rotted and falling apart, but right after that 5 more things fall apart right in front of me! It is pretty much impossible to try to sell my house because no one wants to deal with buying a house with a ton of damages. I will probably die before I can even get it all fixed. Its not even worth trying to buy a house unless you win the lottery and you just out right buy a house instead of making payments to a mortgage company. My XXXX XXXX XXXX # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I received the following email regarding Bank of America accounts, that I do not have with the bank. Please advise as to what I should do. Received XX/XX/XXXX. I am deleting the email. 

Bank of America SECURlTY-ALERT You are receiving this email because we noticed a failed sign-in attempt to your account from an unrecognized device. 
Our system has blocked this sign in attempt as a security measure. 
In order to safeguard your account, we have temporarily restricted your account activities. 
You are immediately required to validate your account to restore your account privileges. 

Before you proceed, kindly make sure your debit/credit card is within your reach, as you will be required to verify your card details. 

Please note : Failure to restore full access can lead to permanent suspension of your access to our banking services. 

click the link below to validate your account. 

Get Started Best regards, B.0f.A XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved. NMLSR ID 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 2019-03-11 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with Marcus by Goldman Sachs Bank and was sent to XXXX XXXX for collection. They only gave me last four digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: CO

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My wife and I have two mortgages with XXXX XXXX XXXX XXXX XXXX Bank, headquartered in Massachusetts. Approximately 16 months ago, following confirmation of a Chapter XXXX, plan, we agreed with the bank for monthly loan repayments of {$12000.00}. Since that time no monthly payments have been missed. Yet, the bank has reported to the credit bureaus delinquencies of 30 to 60 days. Of course, this has reduced our credit scores significantly. And made it impossible to get a new credit card or an auto loan.

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 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/19 they approved the graduate of my card and turndown the offer through the mail

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 2019-03-11 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: The Outsource Group, Inc
State: CA

Complaint narrative:
Complaint number : XXXX, submitted letter on XX/XX/2017 regarding XXXX for the amount of {$1000.00}. The alleged bill is past the Statue of Limitations Civil Code : 337

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 2019-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is still not correct! With all 3 credit bureaus! Yes XXXX  and XXXX  added my name in full but did not add XXXX. As a suffix. My first name is XXXX XXXX is XXXX XXXX or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX  bank line of credit is only showing up on trans union not on XXXX  or XXXX. XXXX XXXX credit card is only showing up on XXXX. Not on XXXX  or Trans Union. Also your companies blocked my auto loan from XXXX XXXX XXXX. Trans Union was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. XXXX  take off XXXX  card inquiries for the last time still on here.

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 2019-03-11 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:
My name is still not correct! With all 3 credit bureaus! Yes Equifax and XXXX added my name in full but did not add XXXX As a suffix. My first name is XXXX Middle is XXXX Last or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX XXXX line of credit is only showing up on XXXX XXXX not on Equifax or XXXX. XXXX store credit card is only showing up on XXXX. Not on Equifax or XXXX XXXX. Also your companies blocked my auto loan from XXXX XXXX XXXX. XXXX XXXX was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. XXXX  take off XXXX XXXX inquiries for the last time still on here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Had a HELOC with National City, was bought out buy PNC BANK. The loan borrowing period ended XX/XX/XXXX and a balloon payment was due. My DTI was not good enough to refinance but I was offered a 5 year fixed rate lock XX/XX/XXXX which I accepted before the balloon date as instructed in the letter from PNC. I started making the payments in XX/XX/XXXX however I had not received any statements from XX/XX/XXXX thru XX/XX/XXXX. In XX/XX/XXXX I received a letter from PNC that they were enhancing their technology and would continue to receive statements, I didn't receive a statement until XX/XX/XXXX, I made numerous requests for my statements which I still have not received for this timeframe. it was at this time I found out they didn't have the paperwork for the repayment option I was offered ( it was faxed from a local PNC branch ) so after many excuses from many different PNC customer service reps I found out by a message left on my home phone answer machine that I was not goin to be offered this option. Jump to XX/XX/XXXX I secure money to pay off the loan, I made an electronic payment over the phone and a specific routing number and checking account was used. The next day, I get a text alert on my phone telling me that my checking account was overdrawn. I went to the local PNC Branch and explained what happened. I was instructed to go to the bank where the money was located and transfer the money from the account that was authorized for the payment into the account that they took it from, which I did. Everything appeared to be ok at that point. I thought the loan was paid. I received a letter from PNC Bank stating that the loan was paid in full. The next day, the money was back in my checking account so I called PNC Bank to find out what was going on. I explained what happened and was told that PNC Bank would NEVER do that. Jump to XX/XX/XXXX. I received a letter in the mail from PNC Bank stating that the checking account that I used did not have sufficient funds to cover the payment. Now they are threating foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX  and XXXX are incorrectly reporting me as an Authorized User on Citi card  ending in account # XXXX I called Citi and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX I contacted XXXX XXXX, XXXX in regard to info that they had sent to me in response to my request for validation for the Capital One credit card account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last Wednesday I reached out to the capital one CEO XXXX XXXX and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus but they said that its already been disputed and they will not look at it again. Then today I received a letter from a company called XXXX XXXX XXXX indicating that their client XXXX XXXX XXXX authorized them to offer me a settlement on a debt that XXXX has not been able to validate nor have they provided any information that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase my home and be given other credit opportunities.

Company response to consumer: Closed with explanation