vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
I am currently in a chapter XXXX bankruptcy plan since XX/XX/XXXX. Lakeview Loan Servicing LLC is trying to take steps to foreclose on my primary residence. On XX/XX/XXXX, they filed a motion for relief from the automatic stay in bankruptcy court showing that I was 120 days past due and owed {$5700.00}. We have provided them evidence and proof of payments showing that I was less than 90 days past due and only owed {$4200.00} as of XX/XX/XXXX. We have also sent them proof that as of XX/XX/XXXX, I have brought my account current and am no longer past due. However, due to issues with their accounting systems, they continue to show that I am past due and continue to pursue the motion for relief so they can foreclose on my home. In my opinion, they intentionally mislead the bankruptcy court by submitting the motion for relief by showing that I was 120 days past due when I was not as the regulations set by the Consumer Financial Protection Bureau ( CFPB ) state that foreclosure proceedings should not begin until the consumer is 120 days or more past due. The CFPB also regulates how mortgage servicers use the suspense account. Lakeview Loan Servicing LLC is also abusing the use of the suspense account. The only time a payment is to be placed in the suspense account is if an underpayment is sent or overpayment is sent. However, ever since I have filed bankruptcy, according to the account ledger that the mortgage servicer sent us, every single payment that I have made, even if it was the exact dollar amount of my monthly payment, was placed in the suspense account instead of immediately being applied to my balance due. Furthermore, even when partial payments were sent and when there was enough funds in the suspense account to equal a full months payments, the funds were not immediately applied to my balance as the CFPB regulations require and were held in the suspense account for a extended period of time. 

Furthermore, while in bankruptcy, Lakeview Loan Servicing LLC increased my monthly payment without any notification to me, my lawyer, or to the bankruptcy trustee. That is a violation of bankruptcy laws as bankruptcy rule 3002.1 requires the mortgage servicer to provide at least 21 days notice to the consumer, their lawyer, and to the bankruptcy trustee regarding the increase in payment and the cause for the increase in payment. This notice was not provided by Lakeview Loan Servicing LLC and as of yet, they have not provided an explanation as to why they failed to provide this notice.

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 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2019 I found via updated credit report that there were inquiries that I am unaware of. I contacted the bureaus via phone in efforts to dispute those unknown inquiries. However, contacting the bureaus to dispute was unsuccessful. 

Equifax = 17 XXXX = 6 XXXX = 11

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR

Complaint narrative:
XXXX CITIZENS BANK ACQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX THEREAFTER. WE ARE HAVING DIFFULTY LOCATING SEVERAL ACCOUNTS IN THE NAME XXXX XXXX XXXX XXXX SS # XXXX OPEN IN XX/XX/XXXXAND SEVERAL ACCOUNTS IN THE NAME OF XXXX XXXX XXXX AND XXXX XXXX XXXX ( DECEASED XX/XX/XXXX-XX/XX/XXXX ). PLEASE FURISH ALL RECORDS ON ALL ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Avant Credit Corporation
State: UT

Complaint narrative:
Avant is reporting on my credit report as a charge off and it was not a charge off. It was paid off. It is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am currently looking to buy a home and my credit sore drop significantly I have found out that the reason the scores is lower is due to the 30 day late payment on the bank of America account # XXXX showing 30 days late XX/XX/XXXX I had paid of this account with XXXX XXXX XX/XX/XXXX, see attached I called Bank of America on XX/XX/XXXX at XXXX XXXX and the Bank of America rep, on a recorded line, stated that bank of America shows paid off in XX/XX/XXXX and they have no record of reporting XX/XX/XXXX late payment to the breaus nor no late payments on the mortgage ; however a 30 day late appears on the credit report for this account, see attached Rep asked how were they going to fix something that they have no records of I want this removed immediately as this violates The federal Fair Credit Reporting Act ( FCRA ). The loan was paid off in XX/XX/XXXX and was not late 1 time in 5 years!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Paid car loan in full, on XXXX19, was told title and lien release was mailed on XXXX19 and to allow 7-10 business days for receipt. Several phone calls after the 10 days to advise no title was received. Spoke to supervisor who DID NOT return call as promised. Still have not received it as of XXXX19. Have called multiple times to inquire. Each time was told to wait longer. Last call on XXXX19 was told " OH IT MUST BE LOST ''! Was told they will XXXX  XXXX lien release, paid in full documents and I would receive them in 1-2 days. Still no documents as of today, XXXX19. Another phone on XXXX19 indicated that the documents still HAVE NOT been sent out. currently waiting another return call.

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 2019-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX is reporting on my credit report as a charge off and it was not a charge off. It was paid off. It is reporting inaccurately.

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 2019-05-01 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: UT

Complaint narrative:
XXXX is reporting on my credit report as a charge off and it was not a charge off. It was paid off. It is reporting inaccurately.

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 2019-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This company has called me repeatedly using different lines and will not disclose what the phone call is about. They are asking me to verify information from 10 plus years ago and I am not comfortable giving out personal information to people or companies that I do not have any knowledge of. I have repeatedly ask them to specify why they are calling and they have refused. I have also asked each caller to stop contacting me immediately. My requests have been ignored and the contact phone calls have increased. 

This is now affecting my employment. The repeated calls have been noticed and remarked on my by employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
When I contacted the company to ask how did I owe them the agent told me for medical bills and the dates I suppose to went which is violating hills rights and that I need to pay or its never going to come off my credit and my credit will always be ruin. I ask was there anyway to prove he said yes we sent a letter in XXXX which I never received and I ask for another one to be sent and was told no they dont have to keep sending me letters either I pay or its just going to stay on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp
State: NM

Complaint narrative:
I honestly have no idea what this collection is or about. I believe it's from when I was involved in a serious car accident was flown out by a helicopter to a hospital .... but im only guessing that's what this is pertaining to. I am now more knowledgeable about my financial life and I came across my credit ... I now see this collection is affecting my credit tremendously ... at the time of the collection opened in XX/XX/2015 I had not even the slightest clue what credit was. That was more than 4 years ago this is how long this collection was affecting me I had no Idea til now. The collection balance is {$730.00} an amount I truly cant afford. In the case of the company trying to contact me I didn't even know what a collector was if somebody called my phone and I didn't know the # that's an easy no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I started a refinance of my house with Quicken Loans.The loan officer 's  name is XXXX who told me that I had to deposit {$500.00} for the appraisal which I complied with.I gave XXXX my wife 's XXXX XXXX credit card number. After a few days XXXX called me and told me that the appraiser was coming to my house in two days, to which I replied that he needed to cancel the appointment with the appraiser, because I didn't want to do any more business with Quickens Loans because they were charging me too much money for the closing cost. Then the appraiser showed up to my house and I explained to him that I had canceled his appointment with Quicken Loans and that I had asked the loan officer to contact him and let him now that I didn't need his services any more. The appraiser told me that he was going back to his office and report this to VA. 
After that I started dealing with XXXX XXXX ( XXXX ) XXXX and I told her that I needed the rest of my money but I haven't received any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had my mail stolen/lost. I am XXXX years old. Upon my son helping me check my report online, I found that someone has applied for credit without my authorization at several companies. I have attempted to contact the companies directly and have reached out to all 3 of the reporting agencies. I sent in my police report that I filed with the police department along with a letter that explained what has happened and what companies pulled my credit without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
We received a letter from Arstrat claiming we owed {$760.00}. It was claimed this was in relation to the doctors at XXXX XXXX XXXX. We had already resolved this so I had my husband contact this company. I gave them permission to discuss with my husband. The following is my husband 's notes on the call " I spoke with a person who identified them self as XXXX. I stated we did not recognize the debt, that we dispute the debt and that we wanted written verification. The very first thing XXXX told me was that we didn't need to dispute the debt and she didn't want to put it in dispute. I told her that we indeed wanted to put the debt in dispute. 

I then addressed written verification. XXXX first said that as a collection agency then do not provide verification. I explained I was familiar with applicable law. Then she said they did not have any verification. I told her that without verification they could not pursue this debt. At this point she told me that she'd hang up on me if I kept asking for verification I found the entire conversation unprofessional and it began to seem rather shady. I told her again, this was now the 5th or 6th time, that we were requesting verification and that if ARSTAT can not provide it, they should not be trying to collect. 

According to XXXX XXXX XXXX XXXX system we do NOT owe any money. They claim they don't even use this company. '' We want this removed from our credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had my mail stolen/lost. I am XXXX years old. Upon my son helping me check my report online, I found that someone has applied for credit without my authorization at several companies. I have attempted to contact the companies directly and have reached out to all 3 of the reporting agencies. I sent in my police report that I filed with the police department along with a letter that explained what has happened and what companies pulled my credit without authorization.

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 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: OH

Complaint narrative:
Hello, I recently logged into my account on myfedloan.org in attempt to payoff a few loans. The website is actually pretty intuitive and easy to navigate, and I was able to quickly identify how much my payoffs are. The site makes you select : payments & billing, loan payoff, selections of loans, payoff date ( to calculate interest ), then your banking info. So I did these steps on XX/XX/19 and the system advised me that the 3 accounts I wanted to payoff totaled {$7700.00}. I made the payment, and double checked they were in fact closed XXXX. It shows that I still owed a interest amount that previously showed when I selected payoff from XX/XX/XXXX. I contacted them, the lady helping me was nice, tried viewing my issue, but couldn't give me an answer as to why it generated additional interest that in their screen shows me I paid off in full. Her answer was " you must have paid only principle not interest '' I advised her and offered to walk her through my screens, their system does not allow you to pay only principle, furthermore the payment history screen shows that I did pay the interest that is reappearing in error. Clearly it would be foolish to pay some obscure amount of money ( {$7700.00} ) for no apparent reason. I know their system advised me that this amount would in fact pay the loans off completely, please help identify what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
I am currently in a 3 month trial payment plan I have a assigned counselor her  name is XXXX XXXX which I have spoken to, and schedule the 3 month payment plan. I first called to speak with XXXX XXXX, after I was unable to get her, I chose to speak with any of the agents which I spoke with a individual name ; XXXX on ( XX/XX/2019 at exactly XXXX XXXX ) I call for 2 things ; 1st to ask if the payment went through for XX/XX/2019 he said that it would probably post from my account tomorrow which was XX/XX/2019. I said o.k, I then asked him when was the next bill suppose to go through he said it suppose to draft from my account on XX/XX/2019. I told him I needed to make a change on the date for this draft out of my account. I would like to have that made on XX/XX/XXXX instead. Mind you me and my husband have had some difficult times with him having XXXX and being out of work for about 5 months. I didnt explain that to the individual ( XXXX ) because I know it was in the computer systems. He made a statement to me, why are you having this come out on the XXXX and then youre gon na have to make another payment on XX/XX/XXXX, it was how he made the state in a degrading way the ( FDCPA Act ) prohibits protects people who need to be treated with dignity and respect and the statement was intent to shame me. After a while I got very fed up with his degrading comment after I explained to him that I didnt like the way he was talking to me he quickly wanted to change it like he was saying it to protect me. I felt very belittle, his actions was very much unnecessary, I also asked him was the conversation being recorded I would so much appreciate if you could listen to this conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: RI

Complaint narrative:
I left the Active XXXX in XXXX and took a lower paying job. My property tax and other fees increased and by XXXX I was struggling to keep up with my mortgage payment. I've been working tirelessly with Caliber Home Loans, company who holds my mortgage, and they are forcing me into foreclosure even when I've finally received a pay raise and enough money to keep my property. They refuse to allow me to submit a loan modification with my new finances which would allow me to stay in my home and avoid foreclosure or bankruptcy. Caliber Home Loans is putting a veteran out on the streets for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. Bank of America is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories.

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 2019-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
Approx 20 robocalls as of XX/XX/2019, from company called Afni, seeking someone that I don't know. I called the robo-phone # XXXX XXXX to tell them that I don't know who they are seeking. Put on hold and nobody picks up. The robo-calls from XXXX XXXX call my landline almost daily, sometimes more than once per day. 
The caller identifies as Afni or XXXX. I don't know because I've never dealt with a company of that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Paramount Recovery and XXXX XXXX are continuously reporting inaccurate information on my credit profiles. Both companies are alleging that I owe them. I have previously communicated with both companies ( see attached ) disputing the validity of their alleged debt and even requested they provide the documentation to indeed support that allegation that I owe them. XXXX NEVER provided a dunning letter to me prior to inserting the erroneous entry on my report, nor did they allow 6 months from the time of the alleged debt for insurance to pay per Affordable Care Act. These entries from both companies should NOT be reflected at all. 

I have continuously made payments to XXXX for these same exact debts that these 3rd party collection companies are asserting I owe. How do I owe them anything if I am paying the company itself? This is absurd and illegal. Additionally, both companies should provide a copy of the contract they have that reflects my signature that binds me to owing them ... .... See attached documentation that reflects my payments to XXXX for all outstanding balances I have with them. My monthly payment arrangement is with XXXX ; therefore, I do not owe Paramount nor do I owe XXXX. 

DELETE BOTH OF THESE ERRONEOUS ENTRIES AS THEY ARE INACCURATE AND UNVERIFIABLE.

Company response to consumer: Closed with explanation