vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID

Complaint narrative:
I first contacted Lakeview Loan Servicing Customer Service on XX/XX/2020 to discuss the process of how to go about having PMI removed from my mortgage as I have made home improvements to  my property and there has been significant appreciation in the local market area. I was on the phone for more than an hour being shifted around to different departments as no-one could help me with the question. I was not able to have my question answered. 
I called back on XX/XX/XXXX with the same question and was circled through different departments again and put through the insurance department. The girl I spoke with was more helpful, but not too sure of the process so put me on hold quite a bit too get the information I was seeking. She said she would send my request to the proper department and flag it as urgent as I had already called 5 days prior with no resolution. The timeline for a response would be a few days from the department with the urgency flag. I was to receive a list of requirements for the PMI removal which would be a list of approved vendors in my local area for an appraisal on my property or I could provide a list of the home improvements made with a broker 's report. 
I did not receive a an email or anything in the mail from Lakeview Loan Servicing regarding my request. 
Thus, I sent an email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request although it said to not send duplicate requests. I believed I would hear back from the support team since their was a written ticket instead of phone support calls. 
I did not hear back. 
Hence, I sent another email on XX/XX/XXXX to customer service on the website in which I received a ticket number back to my personal email for the same request. 

As this is the fourth attempt, and I have not received any instructions or received any customer support, I am concerned that the mortgage lender is not abiding my rights of the federal Homeowners Protection Act. I have the right to request the instructions of how to cancel PMI  and they are not allowing me this option by not responding. 

Next, I am concernced if and when I receive these instructions, will this lender work with me in the removal? Or continue to be non-respondent. 

Thank you, 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
Consumer complaint received 2020-08-23 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I also understand that the credit bureaus have been allowed and additional 15 days to investigate, and yet still have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I also understand that the credit bureaus have been allowed and additional 15 days to investigate, and yet still have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no  knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received a letter dated XX/XX/24 that I was declined for a credit card offer. I sent a message to PayPal stating that my request to open up a credit account was declined. I sent PayPal a message stating that I never requested to open up another credit account and expressed concerns of being hacked. I tried to look at my account online to pay my balance and my credit card account info has disappeared from my PayPal 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 non-monetary relief
Consumer complaint received 2020-08-23 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: DC

Complaint narrative:
I claim bankruptcy that was discharged in XX/XX/2011. XXXX XXXX and XXXX have removed this bankruptcy off of my credit report. I have repeatedly contacted Experian and requested that they do the same and they will not let me speak to a manager or give me a detailed explanation as to why theyre keeping a bankruptcy on my credit file for almost 10 years. When I ask for proof of where they are receiving their information, they cite to XXXX which is not always accurate. Experian is engaging in unfair consumer practices by forcing consumers to have bankruptcies appear on their credit report for an unfair and extremely lengthy time impairing a consumers ability to obtain loans or financing at fair interest rates and hindering a consumers ability to compete in todays declining market. Experian is nothing more than a company that should not have the authority or the ability to keep a consumers credit in ruins for roughly 10 years. As mentioned, Experians competitors, XXXX   and XXXX XXXX, have ethical practices and policies that Experian should be forced into conforming with or Experian should be banned from the market as a credit reporting bureau. Experians current practice is deceptive and unfair to the consumer.

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 2020-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was a happy American Express customer for 20 years. When I cancelled my card, there must have been a charge ( maybe XXXX XXXX ) in between my final payment and the closing of the account. Frankly, I'm not sure exactly what happened. All I know is I got no mail from them for a while, and then got bills with accumulating fees and interest. I told them repeatedly that I was happy to pay the underlying amount, as I had done forever. I'm not looking to take their money, but I had no idea about the bill and was challenging the interest and penalties. They kept charging it, even after they sent it to a collection agency and refused to talk to me about the charges. The debt collection agency said that they couldn't discuss the charges, but noted that I was challenging them. AmEx still continued to rack up the interest and penalties, month by month into the $ XXXX range for an original charge that I think was well below {$200.00}, I'd guess {$100.00} ( I still don't know! ) .They have attacked my credit score, which had been very good because I pay my bills. What is my next step? I can't even get them to talk to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-23 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
There was not an option for this problem but I had a collection come up on my credit score for a {$320.00} debt I thought was paid but apparently the check was lost also they never informed me I was past due or that it was going to collections till it came up on my credit score. I and my old roommate have made multiple calls and emails to try and get the money owed paid but the emails are never returned and the calls are either voicemail or told to call back later when someone else is in the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The original debtor has removed themselves off of my credit due to inaccurately reporting on my credit to begin with. I never had a loan with XXXX and thats what they reported on my credit. I took this matter up with XXXX XXXX XXXX and was able to get the account removed. This collection agency has no account to link with on my credit and needs to be removed immediately as requested several times. Also I was never notified in wiring or via phone about this attempt to collect a debt yet it was added on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit card called " Care Credit '' from Synchrony Bank. ending in XXXX. I was affected by COVID-19 badly and called the credit card company to see what relief I can get. My card balance was on a zero interest rates due to promotions. I had six purchases on my card total. The 1st 0 % promotion was to expire XX/XX/XXXX This balance was {$710.00}. 
On XX/XX/XXXX I called company and spoke with representative XXXX. Very professional and caring. She did 3 things for my account because I was affected by covid 19. ( 1 ) She waived my monthly balance, ( 2 )  she stated if I pay my overdue promotion amount {$710.00} by next month they will remove the finance charge of {$440.00}. ( 3 ) she also stated 3 of my zero % purchases will expire soon on XX/XX/XXXX, XXXX so she will extend its due date out to XX/XX/XXXX. Number 1 and 2 above was done successfully. The problem is number ( 3 ). My balance on my card should be {$5200.00}. When I checked the card i was charged {$760.00} interest for the 3 promotions that was due in XXXX but XXXX extended out to XXXX and then I was Charged finance charges for that amount of {$71.00}. I called company and spoke to representative XXXX on XX/XX/XXXX who stated give them 3 days to review the telephone call. I called a week later and spoke with supervisor XXXX XXXX who stated no it takes 3o days to review phone conversations not 3. I called back and spoke with supervisor XXXX, then representative name XXXX and all read the notes and see that the recordings revealed XXXX stating the promotion will be extended to XX/XX/XXXX. My question remains so if this promotion was extended why am I being charged the {$760.00} in interest and then finance charges for XXXX of {$71.00} ( which will inncur interest every month ) and my mininmum balance due amount is being increased and higher. THIS IS FRAUD. 
I owe {$5200.00} they added on {$760.00} + {$71.00} now my balance is {$6100.00}. On XX/XX/XXXX I spoke with manager XXXX in the collection unit he just transferred me to a rep. name XXXX who stated she understood what I was s aying and could not understand either why I was being charged upfront for finace fees on interest that is prematurely being added to account before the due date of my promotion. I believe they are taking advantage of consumers during this pandemic. They keep transferring me and not assisting me when I call. I waited over one hour and the phone just disconnected i never heard from the credit card company.

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 2020-08-23 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have filed disputes in regards to the incorrect items on my credit report. It has been well over thirty days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
the problem is specifically with XXXX a reported account with a balance of {$10.00}, XXXX of JPMorgan that account was disputed at the time and does not belong to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 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: PlusFour, Inc
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware that the credit bureaus have been given an additional 15 days which has also past. I have not received any investigation results.

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 2020-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Sterling Infosystems Inc.
State: NV

Complaint narrative:
I applied for a XXXX XXXX  at XXXX. They did a background check through a company called Sterling Talent Solutions. The report had a traffic ticket that was taken care of in XXXX. All cleared. I went on the XXXX  website to update my profile and there was a notice that my account is suspended due to a negative report. I called XXXX and they said to file a complaint, they were no help. When I was sent the report from Sterling Talent Solutions they also gave me a Summary of my rights. It says in one portion of my rights that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more that seven years old, or  bankruptcies that are more than 10 years old. '' The incident that they are reporting is over 15 years old. This has impacted my finances as I am looking for work through XXXX. I have worked as a XXXX XXXX   XXXX XXXX XXXX  and licensed in 50 states. I have never had a problem with my extensive fingerprint and background checks until now. I do need to have this rectified immediately so I can work. Sterling report ID XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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