vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
We began the process to refinance our only home in XX/XX/2020. XX/XX/2020 we were told we were approved, and then sent a letter. Over the next few months, we heard nothing. I called many times, left messages, finally someone told us we needed to send them more documents. I did so immediately. Again, we heard nothing more. By mid-XXXX XX/XX/XXXX I called the gentleman who initially helped us AGAIN, his immediate supervisor, and HIS supervisor. NO ONE EVER CALLED ME BACK! Finally, early XXXX, XXXX XXXX called us, apologized for not being in touch, he was busy, it may take another 15-20 days before he contacted us again! I asked about lower rates, it had been 5 months, and we would like to know how to change the rate and/or when would we close. He sent us a letter the following week, ran a hard check on our credit scores, after us waiting almost 6 months with no word on the status! Our scores were affected bu the credit pull, so we knew we could have other companies di the same without penalizing our scores. Basically the entire process would be restarted, they requested the same documents we had already sent!!! Instead of starting over and dealing with them further, we gave up, called XXXX XX/XX/XXXX got a person to help us, who calls us at least weekly, and explained everything we needed to submit. At this point, we have paid another application fee and the {$900.00} we had to pay for Citi to work with us -- it was all in vain! No one would ever return our calls. I filed complaints with the 800 number at Citi, to this day no one has ever called or contacted us in any way! I feel that we were treated unfairly, our out of pocket expenses of {$900.00} were very hard on us. We are both seniors with fixed incomes. Through no fault of ours, Citibank Mortgage failed to close with us or contact us in any way over the 6 months we worked with them. I have the letter dated XX/XX/2020 they initially mailed us to prove the date we began the process. We also made XXXX and everyone we tried to reach that being XXXX years old, we had no email addresses we could access or use. They would have to call us or mail us hard copies. We were assured this wasn't a problem! We feel duped and that our {$900.00} in fees were wasted as Citibank Mortgage had no intention of ever settling with us in a timely fashion. I have called lately to request our funds be returned, no answer or returned calls as of this writing. My daughter will accept any emails pertaining to this issue, and will be listed on this complaint!

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 2021-01-20 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2017 I did a consumer credit transaction with Marcus by Goldman Sachs. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. Goldman Sachs is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. Goldman Sachs failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
I am customer of USAA and my son is a customer under my account. He just turned XXXX last XX/XX/XXXX and they send me a letter dated the XXXX of XXXX to submit some identification form for the minor and I called the bank explaining that here inXX/XX/XXXXdue to the COVID-19 issue the license place orXX/XX/XXXX is giving out appointments to get ids well over 6 to 8 months away. They without telling us or advising us at all closed the account and with held whatever funds where in both accounts checking and savings for the minor. I contacted them with my son and they didnt wanted to reopen the account after I send the papers that are very sensitive in nature cause its a lot of personal information that now its at the bank site and they tell me they dont know where the info is and they wont speak to me since my son is XXXX and the accounts are frozen unilaterally from their part. I dont understand why they are doing that since we have the account opened for over 8 years and the expected to get an ID in such a short noticed and they wont take the college Id as form and his social security card Was also submitted and they dont know their whereabouts. Thats a real breach in personal security and the people I spoke on the phone only hanged the line and wont tell us where is the photos of his personal info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/2021, I used a Debit Card and sent {$200.00} via Western Union to a relative in XXXX. The total amount was {$200.00} which included a {$5.00} fee. 
On XX/XX/XXXX relative went to pick-up money from Western Union in XXXX and was not able to get money. I called Western Union and was told that the transaction was denied because of a business decision. My complaint is since the transaction is being denied, I should get a refund immediately. However, Western Union stated that they will issue a refund within seven business days. If the transaction is denied, why is my money not returned upon denial. That is bad business practice. If denied, the refund should be returned to my account immediately not seven days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
In XX/XX/XXXX, I attempted to refi my mortgage through 5 company which includes my current mortgage holder. Because my debt to income ratio is high due to retirement, I was refused. After filing a complaint, my current mortgage holder suggested a Covid forbearance plan : " You have been approved for a Forbearance plan. We know these are challenging times, so in order to provide you with short-term payment relief, we have accepted your forbearance request and your plan is now active. '' I accepted this as a stop gap to save my home that was purchased in XXXX. My Point of Contact ( POC ) said that a refi can not be performed because of the debt to income ratio and because of the investors ' interest. 

Well, now that I have been approved for the Forbearance Plan, I am receiving email offering : " Thinking about buying a new home or investment property soon and wondering how you can save more with PennyMac? Let us count the ways ... 

{$1100.00} Discount* Historically Low Rates Low Down Payment Options Homebuyer Tip : Get your free pre-approval with a PennyMac loan expert before you start home shopping! Then youll be ready to make offers and take advantage of your discounts with PennyMac. '' I realize that this advertisement is not a guarantee loan. I can not qualify for a refi but receive information regarding financing with new home loan at lower rates. 

Why not protect your " investors '' with a reliable home mortgagee holder with a permanent lower rate than a temporary fix?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: IL

Complaint narrative:
I sent a dispute letter XXXX XXXX and have not received an response from the credit bureaus in regards to the inaccuracies on my credit profile

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 2021-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2019 filed Bankruptcy chapt.7. Items not to be reported and a stay was on the account until XXXXXXXX XXXX Paid as required. Then COVID occurred. Called Capital One Auto Finance, they are still showing in bankruptcy. Told me to call the Bankruptcy Dept. Did call. They told me to not pay during covid and granted a forbearance. I asked for how long, they said till further notice and after out of unemployment due to covid. 
I received notice they're reporting it late on credit. During Covid. I called again, they said again, have to go thru the bankruptcy dept ( BK ). BK said not supposed to be showing on the Credit report due to forbearance AND they still have it in BK status. Not supposed to be reported. 

Still reporting late and overdue. Received 3 verbal confirmations- in forbearance, not supposed to be paying OR reporting during COVID. 

Currently have several reported late pays and affected FICO score greatly. Cost me 1 job, I lost due to deliquency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I reviewed my credit report and that there was an inquiry on my XX/XX/XXXXand XX/XX/XXXX Credit report for CITI Cards, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted CITI Cards today and they said that could not assist with this issue.

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 2021-01-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XX/XX/2020, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. 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 2021-01-20 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: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit reporting agency about the unverified account :XX/XX/XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. 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 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
First of all I call the help line to do this complaint and was told it was after hours and it is only XXXX XXXX on a Wednesday. I have been having problems with my escrow for a year ever since I got a lower home owner 's policy. I was told over and over even though my ins. Went down {$500.00} to {$600.00} I still owed a deficit of more than {$400.00}. Which after calling them over and over I paid. Than I was told I would be called when the decrease in my payment took place which they didnt do so I waited to pay my payment. Now I am being told that the late fee that has happen due to me waiting is valid bc they posted it on the website and sent a letter that I never got. I want my loan sold to a different company that cares about it customers XXXX XXXX  tells me they cant do this but why they sold it to them without my consent. This was not my fault and I should not be penalized for them not doing there job. I pay my mortgage by the XXXX u can look at my loan account to see that. I am a good customer but this I bull. I feel that as a consumer i have not rights. Mr. Cooper only cares about money and i am tired of being taken advantage of by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRSTBANK PUERTO RICO
State: NJ

Complaint narrative:
I not allowed to open any checking account at any other bank because they Report wrong information to XXXX I have be calling to fix this by phone but they hang up and don't return calls. They make a report to XXXX on XX/XX/XXXX of an closed account since XXXX after a month I ask for a Mortgage Modification with them. They asking me to open a Checking account and they know what they did on purpose. Please I need to open a Checking account to put my Earnings on it and be able to have access to Monthly Bank Statements and make a Financial Statement for First Bank Mortgage Modification. Please make them fix this. They have be Harassing me for 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 explanation
Consumer complaint received 2021-01-20 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: TX

Complaint narrative:
I have constantly contacted Transunion regarding accounts on my credit file. XXXX and XXXX XXXX are direct results of fraud and I have given police reports fraud affidavits and all information needs to provide prof yet they are constantly disregarding my Request to Block Unauthorized Charges from Credit Report under FCRA 605B. I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX If the information is not blocked immediately I will be forced to pursue legal action against with Transunion just as the Gadomski v. Trans Union LLC case.

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 2021-01-20 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: WI

Complaint narrative:
I disputed the following inaccurate account XXXX XXXX Account # XXXX Balance {$8400.00} on my Experian credit report at the beginning of XX/XX/2020. The inaccurate account was deleted from my Experian credit report on XX/XX/2020 The same account was then reinserted on my credit report on XX/XX/2020. 

From my understanding, Experian was required by law to provide a notice of reinsertion to me, the consumer within five business days of such reinsertion which I was never notified of. 

I am requesting that Experian permanently remove this inaccurate account from my credit report being that it is hindering me from applying for new credit

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 2021-01-20 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: GA

Complaint narrative:
I reviewed my credit report and that there was an inquiry on my XXXX  and Transunion Credit report for XXXX XXXX, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted XXXX XXXX today and they said that could not assist with this issue.

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 2021-01-20 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: GA

Complaint narrative:
I reviewed my credit report and that there was an inquiry on my Experian and XXXX  Credit report for XXXX XXXX, Bank Credit Cards Inquiry Date XX/XX/2020. 

In XXXX I mailed out letter advising the company that I never submitted an application or applied for any of their products. 

I have not received a response from the company and the inquiry is still listed on my credit report. 

I contacted XXXX XXXX today and they said that could not assist with this issue.

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 2021-01-20 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: GA

Complaint narrative:
In XX/XX/2019 filed Bankruptcy XXXX. Items not to be reported and a stay was on the account until XXXX 2019. Paid as required. Then COVID occurred. Called XXXX XXXX XXXX XXXX, they are still showing in bankruptcy. Told me to call the Bankruptcy Dept. Did call. They told me to not pay during covid and granted a forbearance. I asked for how long, they said till further notice and after out of unemployment due to covid. 
I received notice they're reporting it late on credit. During Covid. I called again, they said again, have to go thru the bankruptcy dept ( BK ). BK said not supposed to be showing on the Credit report due to forbearance AND they still have it in BK status. Not supposed to be reported. 

Still reporting late and overdue. Received 3 verbal confirmations- in forbearance, not supposed to be paying OR reporting during COVID. 

Currently have several reported late pays and affected FICO score greatly. Cost me 1 job, I lost due to deliquency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a dispute letter XXXX XXXX and have not received an response from the credit bureaus in regards to the inaccuracies on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: IL

Complaint narrative:
Credit bureaus have not responded to my letter of I accuracies on my credit file with their 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 explanation