vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Loan was re-financed from Lakeview Loan Servicing to Lakeview Loan Servicing in late XXXX. Prior to closing, I paid the homeowner 's insurance bill and Lakeview paid the insurance bill. At closing, the mortgage broker paid the homeowner 's insurance bill. In XXXX, I received notice from Lakeview that I needed to provide proof of insurance. I told them they already had it. I was told they would attempt to contact the insurance company again. A few days later, XXXX notified me the mortgage company on the policy had been updated. In XXXX, I was again notified that I needed to provide proof of insurance coverage. This time, instead of talking to the insurance dept of the mortgage company, I talked to customer service. The lady looked through my policy and confirmed that the policy number was the same and, based on the documents on file with the company, I had no lapse in coverage. She stated she would be making contact with her boss and several departments to fix the issue. In XXXX, I was notified by Lakeview that the had taken money from my escrow to pay for hazard insurance. I called Lakeview and again spoke to a CSR. I was told that the money had been reversed. I received my XXXX statement today and there is no reversal. I checked the online account and there is no record of the hazard insurance that they wrongfully took from me has been refunded. I have attempted to contact executives from their company and I have had no response. At this point, I feel this company is operating fraudulently, hoping people won't notice money being taken. The amount taken was {$150.00}.

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 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Had a dispute against XXXX XXXX XXXX ( made a purchase send to the mall and wasnt pick up failed to issue credit ). The amount was {$49.00} made on XX/XX/2020. 

The company was contacted and they acknowledge the mistake. Expect Apple Card decide to reverse the provisional credit. 

I called Apple Card services ( golden bank ), the representative was overly rude. She give me a lecture me by telling me to have the USPS credit me since was their fault not the credit card fault since the postal office and all the packages are insured. 

The call dropped, next day my account was restricted ( cant make purchases ). I called and they told me I was being investigated because my shopping habits. 

I called again and send them the copy of the transaction and I was told we restricted your car for your own protection and security of the bank you may not be able to use the card 5-7 business days. You will get a letter regarding the outcome. 

I am a former banker and theyre in violation of fair credit since they did it in retaliation of my previous calls. 

I explain them I am not a thief, I always pay my bills on the and I have never been late and I ask which company flagged me to request a copy of the report and they failed to disscuss any further info. All they keep saying was I cant disclose why you been restricted all I can tell you is you need to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: FL

Complaint narrative:
I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent CERTIFIED letters out over 60 days ago and have yet to receive a notification. As a consumer I feel like these people dont care and are taking advantage of me. Also, THIS IS ME THIS IS ME THIS IS ME!! DO NOT SEND ME A VAGUE STANDARD RESPONSE!!!

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 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/20 my card was lost and my bank contact me due to suspicious activity. I at that time open up my app and found that there was charges that had been made fraudulent. I contact the bank immediately and the representative at that time cancelled the card. I was told to contact customer support the next business day to open up a claim. As of XX/XX/20 I contact the bank and was forwarded documents to send back to file the claim. I submitted the documents back the same day with the events of what happened the day the card was lost. I was told that it would take 10 days to determine if there would be a temporary credit for the funds that was taken fraudulently. After the 10 days I received and email that no error was found. I immediately called Chime Bank and request to speak with a supervisor due to I did not disagree with the outcome. I was told at that time that it would take 10 days to get the results of the investigation. I received the results on XX/XX/20 and was told I would not be refunded my funds due to the location of the disputed transaction is just 20 minutes away from the cardholder 's location. I have been victimized by the criminal whom stole my funds and now victimized by the bank that I have trusted to protect my funds. There was a total of {$430.00} that was stolen from my account and basically I have been accused of a criminal activity by my bank and I am the victim. While speaking with the supervisor due to there was five different transactions, I asked for the address or phone numbers for the merchants and was told that is not information that they have yet he asked me had I spoke with the merchant. I have since filed a police report and now have to do my own investigation of what the bank should have done!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: AL

Complaint narrative:
MY CREDIT REPORT HAS ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS ENDED UP ON MY CREDIT REPORT. I AM A VICTIM OF IDENDETITY THEFT. THIS IS NOT FAIR TO ME BECUASE I DIDNT AUTHORIZE ANY OF THESE ACCOUNTS OR INQUIRIES.

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 2020-09-18 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: AL

Complaint narrative:
MY CREDIT REPORT HAS ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS ENDED UP ON MY CREDIT REPORT. I AM A VICTIM OF IDENDETITY THEFT. THIS IS NOT FAIR TO ME BECUASE I DIDNT AUTHORIZE ANY OF THESE ACCOUNTS OR INQUIRIES.

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 2020-09-18 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - Applying for a business line of credit via XXXX  XXXX. XXXX  XXXX used Experian to run my credit. XXXX Credit Score, no delinquent accounts, no late payments, no bankruptcies, no public judgements, all accounts are in good standing - my credit has been this way for over 4yrs. XXXX  XXXX denies me due to my high bankruptcy score. Bankruptcy Score? Never heard of it. So I XXXX and found out that it's a product that Experian offers to banks and lenders to score the consumer on the likelihood of bankruptcy. The XXXX XXXX  rep couldn't understand why it was so high, as I have very clean credit. The called end. XX/XX/XXXX I called XXXX, and was told there was no such thing and that a bankruptcy score didn't exist. I also called XXXX. was instructed to call XXXX. XX/XX/XXXX Called Experian Membership Service and was told the same thing - never heard of it. Called Experian back, asked for the " business '' department and finally spoke with a women who was aware of the bankruptcy score and told me that the bankruptcy score takes 24-72hrs to reflect any changes my to your credit report ( my credit card utilization went down, which caused my score to increased ). XX/XX/XXXX Called Experian again for an update as it has now been 3 days since the change on my credit report - I was instructed to file a dispute. How can you file a dispute if the score isn't on your credit report? I've been getting run around from Experian and can't file a dispute disputing my bankruptcy score or information.

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 2020-09-18 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: MO

Complaint narrative:
The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX {$120.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 )  XXXX  XXXX unknown 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.

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 2020-09-18 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JP Morgan Chase bank has again, billed me wrongfully, negligently, and I believe intentionally purposely trying to cause me still more XXXX XXXX Please see previous CFPB complaint numbers XXXX and XXXX. Please see JP Morgan Chase Bank 's explanation, and reply. 

JP Morgan Chase bank has again billed me for the same fraudulent purchase. Cited in XXXX earlier mentioned complaints. I saw it today on XX/XX/2020. My XXXX credit card has again, been charged XXXX for {$130.00} DATED XX/XX/XXXX from XXXX   XXXX XXXX. I thought this was resolved. Please see their reply and explanation from two cited CFPB complaints.

Please excuse my lack of memory, I may be forgetting exact details as my mind may block out painful events. Seems as though XXXX   Fax 's were sent to Chase bank ( I do have them, numerous pages ) and they ( Chase bank ) finally made proper corrections and credited my account. Now, they are attempting to take it back. In fact, Chase has/have doubled the amount. Purposely and Intentionally causing me more XXXX XXXX. It has already had a negative effect on my health. The XXXX fax 's to Chase bank clearly proved that XXXX XXXX XXXX had charged me fraudulently. A complaint was filed with the XXXX XXXX XXXX. Against XXXX   XXXX XXXX. 

Please have Chase bank SAVE all my secure on line messages to them. As they are evidence. 

Please be so kind to have Chase bank again, correct these same errors. Please have JP Morgan Chase bank STOP CAUSING me XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account should be reported as closed with a XXXX balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.

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 2020-09-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account should be reported as closed with a XXXX  balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
Account should be reported as closed with a XXXX  balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.

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 2020-09-18 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: LA

Complaint narrative:
To whom it may concern : I am disputing the account XXXX XXXX XXXX. I have repeatedly asked for validation of this debt because the debt holder is charging interest and fees without providing a billing statement for fees or a contract that I have yet to receive. Under the rules of the FDCPA this creditor must follow the terms of the original contract as far as what fees can be added to the debt. I spoke to the original debt holder XXXX XXXX XXXX on XX/XX/2020 and was told there are not supposed to be any additional fees added to the original debt. I am enclosing the multiple requests I made to the 3 bureaus for a validation of this debt and I have also contacted the debt collector and no one has provided me a copy of the original contract. The bureaus have stated the debt has been verified as accurate, how are they verifying the debt if I can not get a copy of the original contract and I am the consumer. I am also enclosing a copy of the 3 bureau report to show inaccuracies that XXXX XXXX  is reporting and the credit bureaus have continued to allow this company to report this account with inaccuracies and without a fee statement as to why this balance has increased without notifying the customer. Experian has ignored my requests for proof of how they verified the account as accurate. I am asking for a deletion due to the inaccuracies and failure to provide an original contract and unauthorized charges and fees. I have also sent proof of my identity with a notarized copy of the ID.

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 2020-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My credit report has been showing a balance of {$14000.00} when my balance has {$13000.00} since XXXX!!!!! And even with that, I asked why is it almost a year of me paying my car note and balance has only went down {$30.00}, I was told that that comes from the TWO PAYMENT EXTENSIONS I REQUESTED WHEN I WAS LAID OFF BECAUSE OF COVID which WAS communicated with them. I was told that while I was granted the 2 extension, i still HAD TO PAY DAILY INTEREST.

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 2020-09-18 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: CORELOGIC INC
State: FL

Complaint narrative:
Hello! so XX/XX/2020 appeared in my XX/XX/XXXX credit history a hard inquiry, credco name supposedly a bank in california at the moment i didn't ask any company to check anything! 
so i did the XX/XX/XXXX search and got the credit card so i call and always put me on hold and after a certain period the call goes down! I've tried a few times over the course of the day and always the same thing! 
so i decided to contact you guys to please take action and remove this unauthorized information in my credit history! thank you!

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 2020-09-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have 8 active open credit accounts. For the last 3 to 5 years I have paid on time and paid off balances on most of them consistently.The creditors seem to be doing their part but the 3 credit bureaus are not up to par with increasing my score ... yes I have a couple of accounts in dispute but that should not affect the fact that I have been been working really hard and nothing is moving.2 points here 1 point there is not what I'm working hard for I need you to investigate the 3 bureaus do they can give me my points due to 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