vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: LoanCare, LLC
State: TX

Complaint narrative:
In approximately the XX/XX/XXXX, I went through a divorce. I reached out to LoanCare and worked out a plan with them to get me back on track. At this point I was approximately 3 months behind on my mortgage. The issue was resolved. Ever since then, they have continued to report on my credit that I have been late approximately 32 times. All between XXXX. This is preventing me from being able to sell my home and move, as well as negatively affecting my credit. I can provide statements from my bank account showing my payments have been on time with the exception of 2-3 that were approximately 5 days late. This is something I have been told several times would be resolved on their end but has not been. According to the payment history on their portal, they did not apply many of the payments I made until MONTHS later. In some cases, the dates on their end dont even make sense. Such as XX/XX/XXXX. 

Please note, when I tried to attach the statements it will not open the pop up. Probably something on my end. I would be happy to provide all of that if you send me an email.

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 2023-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I purchased home XXXX XXXX and obtained insurance from XXXX XXXX acct # XXXX as XXXX XXXX  as my servicer. The insurance was paid through my escrow during closing. XXXX XXXX transferred my loan to Lakeview Loan Servicing in XXXX of XXXX. XXXX XXXX sent 2 invoices for insurance payment in XXXX of XXXX and XX/XX/XXXX, both invoices were not paid. Late XXXX of XXXX I received a letter stating Lakeview Loan Servicing would be placing lender place insurance on my home. I called Lakeview loan servicing and spoke with the who instructed me on uploading the new XXXX page to the claim to deter lender placed insurance. I uploaded the document XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I received a letter stating force place insurance has been added due to no homeowners insurance. I never missed a mortgage payment XXXX XXXX and Lakeview loan servicing violated my RESPA Section 6 rights. Neither paid my insurance per the federal responsibility as my loan servicer. With an FHA loan, I am required to have an impounded account. As of now XXXX XXXX will not re-instate or provide new coverage due to non-payment. I have to seek different at a much higher rate due to breach of contract by the servicer failing to pay the policy premium. RESPA does not require borrowers to maintain an escrow account. It is the lender 's decision whether the borrower must maintain an escrow account for the purpose of paying taxes and other items ( also, certain government loan programs or lenders may require escrow accounts as a condition of the loan ). Neith Guaranteed nor Lakeview can explain why the invoice were missed. Ironically, I received my 1-yr anniversary escrow analysis which is the review of taxes and insurance, but no one mentioned non-payment of insurance. When I spoke with XXXX XXXX of Lakeview Loan servicing, he stated my funds were sitting in escrow and acknowledged that the XX/XX/XXXX, email of my XXXX page was received. 
My rights have been violated, per lender requirements the servicer breached the contract when they failed to make payment, my mortgage has increase, the new insurance policy premium is higher, I have been sanctioned by insurance for lapse coverage all because I am required under FHA loan agreement to have an impounded account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax used my information incorrectly because of the breach and now there are discrepancies on my report. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XXXX of XXXX I turned in an XXXX XXXXXXXX after leasing for 3 years from XXXX XXXX : upon purchasing a XXXX XXXX from XXXX in XXXX SC and financed through Ally Financial at 19 % APR my credit was. XXXX and now XXXX. Ally Financial has reported negative information to the credit bureau since XXXX of XXXX. Despite all of my efforts to make payments monthly for {$420.00} and most of the time {$430.00} or {$450.00} all of my hard money is ongoing toward interest and LATE CHARGES! I have contacted Ally Financial numerous times asking for my due to be changed from the XXXX of each month to the XXXX of each month since I have retired. I do not understand what that company is doing with my monthly payments of the amounts mentioned above. I even asked for a decrease in the APR and was denied twice. I am very upset in the way that I am being taken advantage of financially with this company and no one is available to solve any problems. Thank you for your attention with this matter that seems impossible to resolve. At the present time for XXXX payment the company stated that I owe {$850.00} I don't understand how this company can revolve late charges continuously for months and months.

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 2023-03-14 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: Leatherstocking Group, Inc.
State: NY

Complaint narrative:
In XX/XX/2022, my credit was pulled ( hard inquiry ) without my authorization by a local mortgage broker. When I called the business to ask why it was done without my consent, he gave no explanation or apology, he merely congratulated me on having excellent credit. I'm unsure how he had my personal information to begin with. At the time, a former partner was working with this broker to obtain a mortgage for a property we co-owned. I feel that my credit was pulled to give unauthorized information about me to this individual. This report was pulled without my consent and he did not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account : XXXX XXXX XXXX Account # XXXX Account : XXXX XXXX XXXX  # XXXX Account : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 's ( 2 ) ( 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX - XXXXXXXX XXXX XXXX XXXX  - Account XXXX - XXXX XXXX XXXX XXXXXXXX - Account Number-XXXX XXXX XXXX XXXX XXXX XXXX  Account Number- XXXXXXXX XXXX XXXX XXXX Account Number-XXXXXXXX XXXX XXXX Account XXXX XXXX - Account XXXX -XXXX XXXX  XXXX Account XXXX XXXX XXXX - Account Number- XXXX XXXX  Account Number-XXXX has violated my rights. 
15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To XXXX, Experian, and XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, and I haven't received any response from the 3 credit bureaus listed above.

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 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX I received a call from a man claiming to be from chase and asked if I had made a wire transfer. I said no so he walked me thru what he said was a reversal and had me note rev on the wire. I told him I wasnt comfortable and he told me to verify the number he called from was the number on the back of my chase debit card which it was. The wire was for {$3500.00} and a {$25.00} transaction fee. Once I realized I had been scammed I contacted chase on XX/XX/XXXX. Their wire fraud only communicates thru secure message on their app and they stated that the receiving bank, XXXX XXXX required a letter on indemnity. I was instructed to contact customer claims and ask that a letter be drafted and sent to XXXX XXXX. I did this on XX/XX/XXXX and was instructed to call be on XX/XX/XXXX to confirm the letter had been sent. When I called I was told that the letter had been drafted. I called again XX/XX/XXXX and was told that Chase no longer drafted such letters and it had been several years ago that they had stopped. I contacted thru secure message the wire fraud team and was told to once again contact customer claims. During this time period I had received 20 plus fraudulent calls from phone numbers associated with chase and I have had to shut off multiple debit cards over the last 3 months in fear of my card info being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXX, cap oneXXXX XXXX XXXX etc. One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from my bank account to an impersonating account ( XXXX XXXX ) as well as a few very strange out of country charges. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes and followed up XXXX everyday but was told after ten business days I would receive a credit or someone would reach out with questions. No one ever called nor emailed, never wanted any documents. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. On the tenth business day of calling, I was yet to still hear from anyone and they couldnt located any of the 5 documents in emails I had sent ( I sent them again afterwards ). Shortly after I received a denial and was also asked to leave the bank. I have never felt treated so poorly and kicked to the curb in my life. I am not a rich person and am the victim of identity theft and at a loss over XXXX that was fraudulently taking from me account. Capital one treated me poorly and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, or look into the matter and just wait the ten days to deny and close my account. I still even sent everything to them again anyway showing I was scared and they showed no customer protection from a banking institution at all. Being a victim of identity theft made me feel 100x worse after the way capital one handled it and treated a customer. Now I am filing a complaint because Capital One is violating the Electronic Funds Transfer Act, which limits a consumers liability to { {$50.00} } if the consumer reports the loss within 60 days. I reported the loss to the bank the as soon as possible when I saw the theft had occurred. I would like for these fraudulent charges to be taken off my account and my money returned to me. Thank you very much for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX 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 a 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 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 information 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 explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I called Rocket Mortgage on Monday, XX/XX/XXXX at XXXX Central. I spoke XXXX 's regarding an escrow refund that I saw on my account although no escrow analysis document was available. More thought it was odd that she could see an escrow refund and see was also unable to view the escrow analysis report. After I contacted Rocket Mortgage and spoke with XXXX 's, the analysis report showed up in my account on Tuesday, XX/XX/XXXX. XXXX informed me that although I had over paid in my escrow and was receiving a check for {$1600.00}, they were increasing the amount of my payment. I told her that can't be right because my county taxes were {$3200.00} less than what Rocket Mortgage originally estimated for. Rocket estimated that my property tax would be {$14000.00} but it was actually {$11000.00}. With this difference my refund back should have been more and my monthly payment should not go up. My homeowners insurance did increase by {$540.00} for the year. However I still have cushion greater than the amount required so my monthly payment should not increase it should go down. 

Rocket Mortgage says I have an overage in my account and is refunding me {$1600.00}. If I have an overage and paid more than I should, the monthly payment should not go up. 

On page one of the Annual Escrow Account Breakdown, the actual amount paid for property tax is incorrect. The amount paid was {$11000.00} and not what us reflected on Rocket Mortgage report showing {$14000.00}. I have never had a property tax bill that high and that is not what was paid. 

I am asking Rocket Mortgage to correct the analysis and my payment should be lower not higher beginning in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is incorrect information in my report. Accounts : XXXX  {$800.00} XX/XX/2021. XXXX XXXX XXXXXXXX {$2600.00} XX/XX/2021. XXXX - XXXX {$1900.00} XX/XX/2021. Public Record : XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$2500.00} ; XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$25000.00} ; XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance {$9400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX Date opened : XX/XX/XXXX Balance {$2900.00} ; XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX Balance {$24000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
I am writing to delete the following information in my credit reporting file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I asked that items be deleted to correct my credit report. I reported the identity theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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