vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DC

Complaint narrative:
My mortgage company is Lakeview Loan Servicing , LLC and working with this mortgage company has been a nightmare. It's impossible to speak with a representative, my account is constantly wrong, and when I report these issues to XXXX, they report my account to the Credit agencies. My credit is not high enough to switch to another provider. 

My calls with XXXX began in XX/XX/XXXX as I noticed my mortgage payments had quadrupled. I was able to speak with a XXXX Representative in XXXX, who instructed me to contact my countys City Government and request a corrected tax bill. Upon sending the tax bill to XXXX, I could then request an escrow analysis ( theres a credit on our tax account ). Upon updating the escrow, this would change our mortgage statement. I complied and was successful in getting a corrected tax bill from my City Government. 

I sent emails to XXXX from XXXX - XX/XX/XXXX as well as several letters via the XXXX Postal Service in XX/XX/XXXX to request corrections, so that I could make payments. I have not received any response from XXXX, other than auto-generated emails and incorrect statements, and letters indicating that I moved ( which is odd, as my address has been the same since XXXX ). 

XXXX has not been responsive in updating my escrow account or my mortgage statements. This is the second time we experienced this issue. The last time was in XXXX. I have called several times only to be on hold for 30 minutes to an hour. I have been transferred only for my call to be dropped or just to be on hold again. 

XXXX sent someone to my home. However, I did not receive a call or anything to indicate when someone would come to my home. I work outside of my home, and normally, companies provide a window when a representative would visit. 

A corrected tax bill from my countys CFO - Tax and Revenue office was submitted to XXXX and I requested that XXXX contact my countys government office ( this information was included ), to get a refund for the escrow. 

I asked that XXXX credit my account and issue a corrected mortgage statement. I sent proof of a corrected tax bill from my Countys office of tax and revenue. I sent instructions on how XXXX should request the refund. I also requested removal of all late fees as well as negative comments on my credit report. Instead, I received an email stating that my address changed ( although I have lived in my home since XXXX ). If they can send the statements to my home, why would it be assumed that my address is different? Working with XXXX has been a nightmare that I wouldnt wish on anyone. I am reporting their practices, because it has been very difficult to communicate with them, receive help, and get answers.

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 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/2022, I attempted to cash out my funds in the CashApp portal. At the time, I had {$230.00} in my online account to cash out. Historically, I was able to send and receive funds using my debit card, which I linked to the application ; consumers did not have to provide their banking information ( i.e., routing number and account number ). However, on this day, when attempting to cash out, I was prompted to provide my banking routing number and account number to cash out my funds. I have never provided CashApp with my banking information, and I only used my debit card for all incoming and outgoing transactions ; now, I am prompted to provide bank information with the standard cash-out option. 

CashApp should have informed the consumer that their financial transaction policies were changing ; however, they did not. CashApp is forcing customers to provide their banking information ( i.e., routing number and account numbers ) to cash out their funds using the standard cash-out option. Not only did CahsApp not communicate this change to the consumer, but their online help articles also continued to state that customers can explicitly cash out their debit cards. Their customer support advocates indicated that customers could cash out on on-file debit cards.

CashApp partnered with a third-party vendor, XXXX, to collect customer banking information without informing consumers ; of providing this information before the partnership. The XXXX information provided is a short description of who they are. This information is only available to the consumer during the bank account collection process, and the consumer must click the link to retrieve this information. 

Additionally, if consumers instantly transfer funds, they are not prompted to provide their bank account information. However, when consumer uses the instant transfer, they are charged a fee based on the number of funds they cash out. Further, consumers can continue using their linked debit card to send money without providing their banking information. 

I attempted to work with CashApp customer service advocates but failed to resolve the issue. I requested they send me a paper check, which they indicated they could not. I informed them they should have told the consumers before making this change, but they were still waiting for answers. I've attached several screenshots of my chat discussion with CashApp and their online help menu article indicating you can cash out to an on-file valid debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
I initially filed a disputes for some illegitimate accounts on my credit profile which where sent out via usps certified mail XX/XX/2022. The initial dispute was for Equifax to validate & verify the accuracy of the account in question. However more than 30 days have gone by with no reply/ update to my credit report from the initial disputes that were mailed. They where never picked up from the XXXX XXXX XXXX 
Tracking numbers where XXXX XXXX XXXX XXXX XXXX  : acct # XXXX I then immediately filed a FTC report for the illegitimate accounts on my credit profile. And submitted the disputes separately online on XX/XX/2022 & XX/XX/2022. I received results for the disputed accounts via Equifaxs online dispute center between XX/XX/2022 & XX/XX/2022. However 4 of the 6 disputes where deleted leaving me with 2 illegitimate accounts on my credit profile. I then resubmitted my dispute via online dispute on XX/XX/2022. I received the results on XX/XX/2022 stating that the 2 accounts that where left had still been Verified. I the. Submitted an additional dispute on XX/XX/2022 with a Re : Method of verification. My dispute was finished on XX/XX/2022 stating that the account was verified again. I was not provided with any proof of the verification for XXXX XXXX  : acct # XXXX. Also XXXX  sent me the account summary after I filed the ftc report with Equifax which has a complete DIFFERENT ADDRESS on file, which I received on XX/XX/XXXX!!!!!!!! Also on the dispute results that I received on XX/XX/2022 it stated that the identification and the address had been reviewed but there were no result of it! I have included all of the documents that I have obtained and that I have submitted to Equifax before. Which supports my claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-12-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-12-15 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: SC

Complaint narrative:
Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.

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 2022-12-15 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: EdFinancial Services
State: FL

Complaint narrative:
Account shows as past due when the account has been in forbearance since the pandemic. Now the account has appeared on my credit and has effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and XXXX XXXX breaches with addresses, names, SSN, and accounts that were not mine While waiting for remedy, a new collection from XXXX XXXX  appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. 
FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. 
Also the XXXX late payment showing from XXXX XXXX should been deleted for during the XXXX Cares Act, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info.

I am requesting these acccounts to be deleted. 
XXXXXXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/2022 XXXX XXXX XXXX XXXX {$120.00} date XXXX XXXX XXXX XXXX paid off XXXX XXXX  XXXX paid off XXXX XXXX XXXX XXXX paid off 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 2022-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A.
State: OH

Complaint narrative:
Today, XX/XX/XXXX, I received a medical collection letter via XXXX, by SCHEER, GREEN, & BURKE CO. L.P.A. with my wife 's last maiden name and my first name. They claim the debt occurred XX/XX/XXXX for the amount of {$18.00}, account number they give is, XXXX. I have never used XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also filed a complaint with the Ohio Attorney Generals Office. I couldnt understand how a XXXX could get a bill wrong with a fraudulent last name if this debt was ever true to begin with. XXXX XXXX debt does Not include or have anything to do with Medical debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: SC

Complaint narrative:
I've sent Letters to all 3 major Credit Beaurus concerning certain accounts that are reporting on my account inaccurately. They sent me letters back stating that the accounts have been verified. I then in return sent the company Letters requesting to show their verification method. It has been 30 days and they have yet to send a letter back showing how they verified the account. Per the Consumer Laws I have a right to know how these accounts were verified and failure to disclose that information results in the Credit Beaurus removing these accounts from my credit reports. 

This has ben passed the 30-day legal limit and therefore these accounts in question should be removed from my credit report immediately.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, XXXX and XXXX are reporting my credit history on the wrong ssn wrong ssn : XXXX right ssn : XXXX please change expeditiously

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 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX XXXX  ; XXXX # : XXXX, Account name : XXXX XXXX ; Acc # : XXXX, Account name : XXXX XXXX ; Acc # : XXXX, Account name : XXXX ; Acc # : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I purchased an XXXX  computer from XXXX XXXX XXXX. On the day of delivery I received an email stating that the package was delivered, I knew not to be true cause I was sitting on my porch waiting for the product. Once I realized my package was delivered elsewhere, I immediately contact XXXX who told me it would be resolved in XXXX weeks due to an investigation. After XXXX weeks I was told by XXXX there is nothing they can do and it will be reported on my credit if I didn't pay. After countless phone calls, a derogatory impaction was submitted to my XXXX XXXX by the debt collector TRUE ACCORD, who told me that they have no control over the debt but to do what XXXX tells them to do. This whole process has been a year-long process of false and unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX With initiation of the {$700.00} loan, I was told by the representative the loan would be paid in full by XX/XX/XXXX. Due to unawareness of XXXX bank attachment, I made a in person payment early on in the repayment of this loan. The same month an additional payment was taken out and not applied as a next month payment. I called to inquire why payment was taken out today, XX/XX/XXXX and the representative noted the account is not paid off and will not be paid in full until XXXX of XXXX. She noted she could see in the in person payment, yet that amount was applied to the principal. I would like this entity audited for the accounting on this account and any violations of the Truth and Lending Act, 15 USC 1605 and 15 USC 1601 and any and every other violation of consumer protections which are believed this entity is and has participated in relative to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fidelity National Financial, Inc
State: FL

Complaint narrative:
Service link did my deed and XXXX  In XX/XX/2019 and I would like to get a copy of all the signed paperwork. I need all agreements for XXXX XXXX XXXX  and XXXX  and the information of the Notary used to come to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 SYNCB/LOWES PLCC ( Hotel and travel ) XX/XX/2022 I have 2 inquiries on my credit report because they failed to identify me at the first time giving them my social security number, my phone number, my address and my driver 's license number. They asked me to take a picture of myself at Lowe 's store, and they end up telling me, " we couldn't identify you based on the information you provided, the picture was not for you, so we can't issue a Lowe 's Advantage card ''. I filed a complaint with the XXXX, and they said " we are sorry, we made a mistake ''., they issued a Lowe 's Advantage card for {$10000.00}. 

I called and asked them to remove the first inquiry because it's their fault. They sent a letter saying, " we can't remove the first inquiry because you could not identify yourself ''. But they could identify me the second time without a picture and issued the card. I spoke to a supervisor after receiving that letter, and he promised to put a request to remove that inquiry. Today, XX/XX/2022, meaning, XXXX months later, I called and spoke to XXXX, account manager, who said, I can't put request to remove this inquiry, because you failed to identify yourself to us. I said, no, you failed to do that. You issued me XXXX credit cards based on the same information. I hang up and called again, after being on hold for an hour and XXXX minutes, I spoke to manager, XXXX, who said, I will put another request. I asked : why XXXX, the account manager refused to put that request again? She said, I don't know. the system in Synchrony Bank is defected. 
The same problem with their automated service is still happening today : you call and enter account number ; it says we can't find an account. Entered social security number, the same reply. We can't find that social security number, after pressing XXXX more than XXXX times, I spoke to a representative who said, yes, I have your account number and SS number. 

XXXX 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 explanation