vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Please review the time line that outlines the delay in my request to have my PMI insurance removed from my current loan. 

XX/XX/XXXX : requested to have the PMI removed from my loan account XX/XX/XXXX : called back to inquire on my request that I had sent to the lender in writing XX/XX/XXXX : called to inquire when the request would be completed. Was told that the request has been escalated and I should here back soon from a local appraisal company when they would be able to complete the request. 
XX/XX/XXXX : Follow up call was made with loan company on status of my request. Was told by representative that it may take up to three weeks for the process to be completed. 
XX/XX/XXXX : Follow up call to inquire on status of appraisal which was still pending. Was told by representative that my request was denied and that if I wanted an appraisal completed that I would have to pay for it out of pocket. Requested a copy of denial letter that was then emailed to my attention. 
XX/XX/XXXX : Follow up call made to loan department again inquiring on denial letter via email and if I wanted the appraisal still done that I would have to pay XXXX to have it competed. 
I then agreed to pay for the fee and the payment was completed over the phone via my checking account with routing number and account number. 
XX/XX/XXXX : received my loan statement that reflected my XXXX appraisal fee was processed as an additional payment towards my principal loan account. I called in to inquire on the transaction and was told then that my home required some unknown upgrade requirements to justify the appraisal. When I spoke with the loan representative I recall that they stated " don't worry about the fees you have paid into thus far and they will be refunded to you once the appraisal is completed as long as the home value meets the requirements. 
XX/XX/XXXX : Filed a formal complant XX/XX/XXXX : complaint was responded to with no valid reason for my appraisal request to be executed. 
XX/XX/XXXX : Called into CFPB to inquire on the next steps considering no valid reason was provided by third party as to why the appraisal request has not been honored. 

Lending company continues to delay my request and the loan is now reaching the two year mark and I am simply asking for a true market value assessment be completed of my home as the initial appraisal is now two years old in XXXX this year of XXXX. 

CFPB representative suggested I submit a new complaint for follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: VA

Complaint narrative:
I experienced a medical emergency from a XXXX incident relating to XXXX XXXX in my XXXX  whereby I visited local emergency room. All necessary insurance information was provide to the hospital emergency room staff during the initial admission to the emergency room. Of all of the entities that provided service to me during that visit, only one source of service providers claimed the hospital gave them no information to bill for their services rendered. All other resources were adequately and accurately billed and subsequently paid according to our insurance provider. After I initially received billing from the source in question in this case, XXXX XXXX XXXX XXXX, informed me that billing errors were routine. Billing errors are not routine as there is a standard of protocol that all medical service providers follow. XXXX XXXX had at one time also stated that the initial billing to the insurer had gone to the wrong insurance company, that it had been submitted under the wrong patient name. As routine, hospitals and subsequent medical service groups XXXX the patient ID and insurance card during registration. There should have been no reason this organization would have gotten misinformation all other sources of service that day received correctly from the emergency room who provided services to me during that visit. I have made several phone calls to gather information to provide assistance resolving this matter. It is unclear how all other entities who provided service to me that day had no issue resolving their billing and yet this organization in question were somehow completely left out of the medical billing relating information. I file this complaint because the amount of {$920.00} billed to me was not properly billed by the company and that apparently XXXX XXXX XXXX XXXX failed to verify proper data as required for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I submitted my most recent disputed against a debt listed on my credit report by XXXX XXXX account # XXXX for a repossession that was conducted in the state of Florida in XX/XX/XXXX. I have been disputing this debt via the credit bureaus since approximately XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX finally decided to provide notice to the credit bureaus that the vehicle had been sold around approximately XX/XX/XXXX. They should have updated that information to the credit bureaus in XX/XX/XXXX upon my first dispute with the credit bureau agencies and they did not. I have requested via the credit bureaus that XXXX XXXX provide proof that said vehicle was sold and to verify the amount that the vehicle was sold for. XXXX XXXX since this whole period of dispute began in XX/XX/XXXX hasnt provided proof of sale or purchase amount since the disputes began. Also per the Florida repossession statue 537.012, XXXX XXXX should have provided me or the joint owner with a notice of time, place and date of sale or auction of the vehicle, which they did not. It was not until I began to dispute via the credit bureaus in XX/XX/XXXX that they advised that they sold the vehicle. This XX/XX/XXXX I disputed once more via Equifax requesting that XXXX XXXX  provide proof to me of the amount the vehicle was sold for as well as advised that I wasnt notified of the place and time where vehicle was sold/auctioned and requested proof that. I requested proof that XXXX XXXX notified me of the place and time of the vehicle sale/auction. XXXX XXXX still hasnt provided me with that proof. I find that XXXX XXXX is in violation of the Florida repossession statue 537.012 that states that they must provide the owner/joint owner with time, date and place of sale/auction and due to this statue violation I am requesting that this account be stricken completely from all of my credit files as well as the joint owners credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: AR

Complaint narrative:
On XX/XX/XXXX Equifax sent a letter to XXXX XXXX XXXX from Consumer Relations Specialist XXXX XXXX informing the account XXXX XXXX would be removed from credit report within 5 to 7 days. A letter dated XX/XX/XXXX was sent with confirmation # XXXX informing me that XXXX XXXX XXXX Had been removed from credit report. As of XX/XX/XXXX the same account XXXX XXXX was reported to my Equifax Credit Report without any initial communication or notification within 5 business days. Equifax again has violated the Fair Credit Reporting Act 605B and 611C. This account has been blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: WA

Complaint narrative:
Some Midwest Recovery account just showed up on my credit report. Unknown what it is. Never received any letters or calls about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed these fraudulent accounts with XXXX  to no avail. XXXX has deleted these fraudulent accounts. My next step is to file a lawsuit. This is a violation of the FCRA : 1. XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX/XXXX XXXX # XXXX  Simply saying that the accounts have been verified as accurate is illegal if XXXX have verified them as not accurate and have removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I booked a hotel room through XXXX, for a hotel room in XXXX XXXX, IN. The 1 night stay was on XX/XX/2018. Upon arrival, the hotel staff charged my ( CITI credit card ending in XXXX ) for XXXX and stated that it was just to cover incidentals, which I know is normal, however it was never refunded even after being told it had been refunded. My credit card is stating that it was a legitimate charge but that the XXXX charge was never used so they took it upon themselves to initiate a dispute for that amount of XXXX ( CITI card ending XXXX ). The amount I paid on XXXX was the correct charge but the hotel and the credit card company will not reverse the charges that the hotel charged for the same stay. I have tried numerous times to get corrected since that date and even have email where hotel reported having refunded the money, however, it has not been placed back on my card ( XXXX ). I have documentation showing the numerous times I have tried to get corrected.

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 2018-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XX/XX/XXXX I called my mortgage company ( Citi Mortgage ) and told them my sons dad left and id be down 1 income and wasn't going to be able to make my full house payment. at this time I wasn't behind at all. They told me no and in order to receive any help from them I would have to be behind in payments. So XX/XX/XXXX came and went. Now XX/XX/XXXX I applied for a modification. over the next year Citi did nothing but gave me the run around. I had to submit the same documents numerous times, they would close my application for no reason, I had turned in every document before the due dates, I have confirmation from them numerous times that all my paperwork was with underwriting, they switched homeowners specialist on me 3 times. And I have all documents, emails, mail that proves this. So finally comes XX/XX/XXXX and they come to me with a modification. Now the whole past year of them giving me the run around I now am behind {$10000.00} when it started I wasn't behind at all. So they tell me my new Making homes affordable modification is {$900.00} a month, no change to interest rate, and my loan gets pushed back to 30yrs. My original payment that I couldn't afford was {$850.00}. If they would had done this within 90 days since I did my part then I wouldn't had gotten behind. So then I asked them what if I pay {$6000.00} then will that lower my payment they wouldn't accept it. They did this on purpose and have been taken to court and lost for doing this to others. PLEASE HELP 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 2018-06-24 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:
Experian continues to report fraudulent information on my credit report. I was incarcerated for 7 years and my identity was stolen. These accounts are fraudulent and need to be removed from my report as it is a violation of the FCRA : 1. XXXX XXXX XXXX # XXXX  2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX  4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX  6. XXXX   XXXX XXXX XXXX # XXXX  7. XXXX/XXXX # XXXX 8. XXXX XXXX XXXX XXXX # XXXX  ( 6 accounts ).

9. UXXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24 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: MO

Complaint narrative:
Experian is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a XXXX XXXX  XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted Experian and they are doing nothing to correct these errors.

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 2018-06-24 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: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
XXXX XXXX who is my Lender for Loan XXXX. 

XX/XX/XXXX late fee removal denied due to the fact that you posted your XX/XX/XXXX payment on line on XX/XX/XXXX but it was after business hours which posted on XX/XX/XXXX. We did audit their site portal and they do have a disclaimer on the hours for payments made online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS RELIABLE LENDING LLC
State: TX

Complaint narrative:
Realtor, mortgage company and title have a duty to make sure that clients are being taken care of in a professional and expeditious manner. All and all though the paperwork process income state was communicated to multiple parties/ originators ( XXXX XXXX ) whom advised that such would not hinder the proceedings. With that being said, I don't think my file was treated with diligence and my best interest at heart. An appraisal was ordered on the property without the file being submitted to underwriting, so I'm out {$570.00} for an appraisal along with my option and inspection with no house to show for it. Then for me to finally get to the proposed day of closing per contract, only to find out that the deed is not dated within the time period for Texas state law, this should have been discovered a long time ago. At the end of it all, I have every party involved arguing through email and playing the blame game in which no one wants to take responsibility. So what am I to do when I have professionals working on my behalf who have " dropped the ball ''. 

Honestly do not think buyer was represented well. This miscommunication of vital information is undesirable. For Buyer to be working on paperwork for this property since XX/XX/XXXX and now XX/XX/XXXX a fault is being noticed is obnoxious. 

Then the representative XXXX XXXX XXXX will not accept the fault of XXXX XXXX finding the error that the deed was not sign until XX/XX/XXXX and submitted XX/XX/XXXX until the proposed day of closing XX/XX/XXXX which was never communicated to buyer. 

Staff is not on the same page and sells dreams and misleading 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 monetary relief
Consumer complaint received 2018-06-24 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: DISCOVER BANK
State: MO

Complaint narrative:
XXXX is reporting 2 credit card accounts as " Card Over Limit ''. One of  these is a XXXX XXXX  and the other is a XXXX XXXX XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX and they are doing nothing to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24 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: MO

Complaint narrative:
XXXX is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a Citi Bank Card. I have contacted both XXXX and Citi Bank and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX  and they are doing nothing to correct these errors.

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 2018-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I did some work for a company that paid me {$50.00} thru paypal. When I requested transfer to my XXXX XXXX debit card on file at Paypal 7 times transfer failed 7 times. When I requested Paypal mail check Paypal began asking for my credit card number claiming to want to confirm who I am. Customer Service at Paypal made false statement several times and still refuses to mail my money or transfer money. XXXX XXXX says it has no record of Paypal trying to transfer money at any time for any reason. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BB&T CORPORATION
State: FL

Complaint narrative:
RE : Bb & t bank XXXX XXXX XXXX XXXX XXXX, FL XXXX Website : www.bb & t.com Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Prepaid Debit ( such as XXXX XXXX XXXX or others ) Subject : Bank Bb & t bank let XXXX XXXX and XXXX XXXX take money out my account with out my concentXX/XX/2018 XX/XX/18 BB & T Balance Debit {$1400.00} XX/XX/2018 I want my money back XX/XX/18 BB & T Balance Debit {$540.00} XXXX i want my money back

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 2018-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: PA

Complaint narrative:
I was court appointed on XX/XX/17 by a PA Court of Common Pleas Judge, XXXX XXXX XXXX, in XXXX County to gather records related to the indigent client, XXXX XXXX XXXX. The court order clearly stated " It is also ORDERED, that XXXX XXXX XXXX be permitted to photocopy or to have faxed/mailed/emailed to him any and all of the records AT NO COST to either XXXX XXXX XXXX and/or the County on behalf of said indigent Petitioner. '' On three separate occasions I contacted XXXX XXXX informing them of the above, with no success -- not to mention that at no time was I ever informed by the agency from whom the records were requested initially ( XXXX XXXX XXXX ) that any fees would be involved if records were sent. 
Now I have been sent a letter from the XXXX XXXX XXXX, a debt collection agency that they expect me to pay XXXX XXXX {$75.00} for the copying of 76 pages of information, equal to {$1.00} PER PAGE. This, in and of itself, is an outrage ( $ XXXX/page ), let alone AFTER THE FACT charging the fees, PLUS IGNORING A JUDGE 'S COURT ORDER.

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 2018-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has not updated my balance of my XXXX XXXX account. I contacted XXXX XXXX, and they quoted the correct balance ( which is lower that what Experian has ) they reported to the 3 credit bureaus. In addition, XXXX and XXXX  have been updating my status and balances accordingly every month, just not Experian.

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 2018-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX  is calling all day every day, twice every hour on the hour. This is Sunday and I have received calls from XXXX XXXX on. They use an unknown number and they do not leave a message. The only way I knew it was XXXX is because I picked up the phone once and demanded they tell me. First they gave me a fake name.

Company response to consumer: Closed with explanation