vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Lakeview Loan Servicing continues to report me let. I am not late on my payments. The admit i am not late but continue to mark my payment late even before the payment is late. It is keeping me from getting refinanced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Please forward the information to MACY 'S CORPORATE SERVICES, LLC. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
XXXX XXXX, I received a call from the local sheriffs dept about debt collection paperwork needed to be served. I received the paperwork, it ended up being court looking documents, signed by an attorney. I submitted a letter back to them as well as to the court that served me the papers. I received a call from the court saying the company hadnt even filed the documents with the courts. The document was fake. They received my request for documents on proof on XXXX and I have yet to receive anything back. The law firm was XXXX XXXX out of XXXX, ND. 

Another company had me served with the same fake document XXXX for a different debt. The law firm is XXXX XXXX XXXX out of XXXX, MN. 

Both documents state if I do not respond within 30 days that judgment by default may be taken against you. I plan to send the same proof of debt notice to this company. But after reading into the FDCPA, it seems this is a definite illegal process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery is claiming that I owe a debt, no longer owed. It has been resolved and should be removed from all credit reports. 
Aside from the debt they claim I owe they have used unprofessional language in speaking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My loan at XXXX was transferred to Loan Care, another company. When this happened, in XX/XX/XXXX, much of the information was lost. Besides my autopay being cancelled, I went on to LoanCare 's website, and was unable to make my house payment online because of problems with the website. I spent three hours on the phone trying to get a hold of a human being, and was finally able to talk to a human being to make the payment. However, the terms of my loan seem to be missing. I have a HELOC loan ( or had ) a XXXX ARM HELOC at XXXX with the HELOC portion being adjustable. When I go online now, it looks like I have a XXXX rate with no HELOC. The part that I owe that is adjustable seems to rolled into the full amount that is fixed, and at a higher rate than what I should be paying, but it's not clear because this information is missing. When I try to call or send email to support emails to ask and clarify the terms of my loan, nobody responds. I have been waiting since Monday, XX/XX/XXXX, and nobody has responded to answer my questions. When I looked on XXXX for other reviews, it seems many, many other people have had the same issues of not being able to reach anyone. There is no customer service or humans to speak with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Due to the covid 19 I had to close my babysitting business which is a family home care for kids I was closed from XXXX XXXX wells Fargo send me a letter stating that they gave me an extension and it would not be reported to the credit bureau also they told me that the money owed would be placed to the back of my loan and I would start from fresh they placed me with different specialist people and the letter they send me said the same thing on XXXX I still had no kids from my babysitting due to covid 19 I asked them for more time because they said I was eligible for it i had to call XXXX to XXXX XXXX XXXX XXXX to see if they can help me to lower my mortgage payment because it was insane that payment they gave me and they lied before the covid XXXX had done a recast on my mortgage which they never gave it to me due to the covid 19 these people wells Fargo pay with people feeling 's all I want is for them to put the payments that i was late due to the covid 19 to the back of my mortgage and give me the recast they promised which was never kept please they want me to do a short sale and i have lived in this home for 17 years this is my kids home and they love it also i beg you to please help me out with this situation that I'm facing thank you XXXX XXXX XXXX ) XXXX also I would like you to investigate my mortgage there is lots of fraud things going on with this bank wells Fargo my account is XXXX thank you once again and may you have a bless day

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: NC

Complaint narrative:
Dear Consumer Finance In the mail on XX/XX/XXXX I received a XXXX XXXX card in the mail. Upon opening the mail there is a debit card and printed card stock with very limited information on on it. It reds the following : On the front of the card stock is my address with a bar code and a number printed XXXX XXXX XXXX XXXX to the left of that is a a small QR code.. On the lower left corner is the stock it reads ; XXXX Square , Inc. Assembled in USA, Cash App logo is a trademark of Square Inc. All others are trademarks of their respective owners, ID # XXXX. 

Upon opening the folded card stock in side it reads the following ; Activate Your Cash Card Scan QR Code with your Cash App The code directs you to download load a app. 

It is also has printed info and icons reading ; Save with XXXX Tap to Pay, Direct Deposit, Access ATMs, and Pause With a Touch.. It On the front of the Debit Card itself it reads $ XXXX and also what appears to be a imbedded chip. 

On the back of the debit card is my name XXXX XXXX with a credit card account number, XXXX XXXX XXXX XXXX with a CVV # XXXX with a EXP of XX/XX/XXXX and on the lower right corner it reads XXXX  XXXX. 

I looked at contacting this company but get numerous XXXX  Search results indicating this more than likely is fraud. I am hesitant to call a number I dont feel I can trust, and calling or downloading the app could further jeopardize or expose me to fraud. 

Im also suspicious to this mail as I never applied or requested this card and additionally there is no readily available contact information or phone numbers to call ( not that I would call ).

Your assistance in following up as to the authenticity of this card or to report that it could be fraud is why Im contacting you as this just doesnt feel right and hope this may help others.

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My escrow with Wells Fargo has resulted in a refund for the past year because they took too much to cover insurance and taxes. They say they are using current amounts as the anticipated amounts for next year. But, they are raising my monthly payment. If the actual amounts, which they are using for the upcoming year, result in an overage, then why raise the monthly payment? When I asked the question, I was told those are the rules. There should be some sort of justification that makes sense, not those are the rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
I have been getting letters in the mail stating that I am past due. 
I have been trying to reach this company since XXXX and have been very unsuccessful. Today Tuesday XX/XX/XXXX, I was on the phone for over 2 hours and got transferred multiple lines to dead lines or the reps would hang up on me. This has been happening for the last couple of weeks. I am trying to refinance my loan to be able to get a more affordable mortgage payment and even my loan officer has been trying to help me resolve the issue with no success of being able to get ahold of someone at XXXX. 

This is becoming very stressful and impacting my credit. 
I have never missed a payment, and this mortgage company is a nightmare to work with. 
This mortgage took over as my servicer XX/XX/2020, they truly do NOT care for their customers. 


I have attached my payment History to reflect my payments are Up to date. 
XX/XX/XXXX was the first payment due to them as you can see I made my first payment XX/XX/2020 due XX/XX/XXXX, I always make my payments early.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AT&T
State: WA

Complaint narrative:
I received a letter from XXXX about a A T & T bill that is not mine. I have never had an account with A T & T now or at any time. 
I have written to them saying the debt is not mine. I have also gone online and found that this collection agency in Florida has many consumer complaints for the exact same thing. They try to collect a debt for A T & T for a debt not owed. 

They asked that I pay half of the debt XXXX. Reference number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Affidavit of Truth is not a dispute. I am an agent, consumer and natural person enforcing the Fair Credit Reporting Act pursuant to 15 USC 1681 that protect consumers. TRANSUNION has failed to rebut my Affidavit of Truth. TRANSUNION has sent me a letter stating that they need until the XXXX day of XX/XX/2021 to give me results and as of XXXX of XX/XX/2021 Transunion has failed to do their obligation as a corporation and credit reporting agency. I demand remedy for having to wait and no results were provided for me the consumer which violates my federal rights and the Fair Credit Reporting Act. I sent Affidavit of Truth with Exhibits on XX/XX/2021. On XX/XX/2021 a letter was written stating they needed more time. Transunion has failed to do their duty as a credit reporting agencies after maximizing their rights under the Fair Credit Reporting Act with 15 day extension on top of the 30 days. There is no excuse and I demand tracking number directed to me to make sure they won't use a deceptive way of saying they sent this information already by back dating letter. Transunion lie and say they verify information when verify is sworn under oath and under the penalty of perjury and the corporations the serve can not do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for membership with Navy Federal Credit Union and I was approved for membership. I was a member before but I was dropped as a member after I filed for bankruptcy in XX/XX/2003. I received a pre-approval letter from NFCU and I applied online. I was denied and the denial was based on " that I caused NFCU a lost ''. My bankruptcy has been over 10 years and I am still being denied credit. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm writing you acording my captal one bank card that was opened on XXXX XX/XX/2019. I was never notified about that account. Some one used my personal information for opening credit lines by my name. I filed police report number XXXX on XXXX could not contact cfpb because I did not know about its existence and that they can help me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Repeated messages regarding XXXX XXXX debt. Ref # XXXX. 
This is not me and they deny it being an attempt to collect a debt however they answer phone as a debt recovery business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: TX

Complaint narrative:
During purchase in XX/XX/XXXX, I paid estimated property taxes of {$10000.00} at closing into escrow. The mortgage company ( XXXX ) withheld the property tax funds from the wire to the title company and also failed to make a tax payment from escrow when due. In XX/XX/XXXX, I received a delinquent tax statement from the tax collector asking for {$9400.00} plus {$660.00} in penalty, interest and fees. After contacting the mortgage company they could not tell me why the funds were still in escrow and no payments had been made. Instead of paying the taxes they sent me an escrow refund and instructed me to pay the delinquent taxes and late fees plus interest myself. They refused any responsibility and will not pay any late fees assessed due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: PA

Complaint narrative:
An initial dispute letter was sent to Experian via certified mail on XX/XX/XXXX outlining some inaccuracies on my personal credit report. Experian did not remove any of the XXXX accounts listed in the original dispute " letter ''. 

A Phone dispute was initiated with Experian credit bureau. I called the Experian XXXX department, on XX/XX/XXXX to have them remove several unauthorized inquiries due to fraud. Experian did not remove any inquiries and I was told that they would remain for 2 years.

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 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has XXXX authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter in the mail from the current holder of my home mortgage which is Chase Bank. In the letter it showed my current rate of 3.375 and on the top of the letter it said " You could lower your rate to 2.641 '' My thought was that I could potentially lower my mortgage payments so I was wondering how much it would save me. Apparently when I asked them how much it could save me there was a hard inquire done by them on my credit report and I know this because I received an email from XXXX saying that a request had been made. 

Nowhere on the piece of mail they had sent me ( which I never requested ) did it state that they would pull a credit report on me by simply asking a question which they initiated and in doing so this hard inquiry would effect my credit rating. 

They sent me this information which I never requested. It was proactive by them not me. Had I known that this call would have an impact on my credit rating I never would asked them to pursue looking into how much it would save me. 

This information should be made clearly to the customer in the original piece of mail they had sent me that they would be doing a hard inquiry and that inquiry would impact my credit rating. 

I see this as an unfair move on their part which may impact me negatively with the credit bureaus going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: VA

Complaint narrative:
I have a collection on my Trans Union file from XXXX XXXX for XXXX XXXX XXXX XXXX. This should not be there. I moved from my apartment in XXXX of XXXX. I did not receive a final statement from XXXX. When I contacted them in XXXX, they gave me the amount due from the vacating of the apartment. I paid this per attached. 

XXXX agreed to remove this collection from my file because of the error in mailing the statement. 

I disputed this with Trans Union and it remains. XXXX XXXX XXXX XXXX. Account number prefix 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