vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a fraud concern on my Transunion report. I've attempted to contact Transunion, via the website numerous times and was suddenly locked out due to fraud concerns. There was a message to call Transunion. On XX/XX/2020, I called and waited on hold for 1hr and 20 mins. I could not wait any longer. On XX/XX/2020 I called 4 times. Three of the times I waited 25-45 mins and could not wait any more. The 4th time, I waited 1 hr and 11 mins. The lady who answered asked my Social Security number, and then put me on hold, 3 mins later she asked me my social again and again put me on hold. After 5 mins she answered again and asked my social again and then I was put on hold. Then she asked my name and put me on hold, and then came back and again asked my name, and then put me on hold ( During this I could hear all the other agents having conversations with the person they were on the other line with ). 
She came back and asked my name again and then my address, she was extremely rude. After 30 mins of this and getting no where, I asked to speak to a supervisor and she did not respond, rather I was send back to where I started in line to speak to an agent. Which meant I had to wait for a minimum of another hour. I'm in tears because there is fraud and I have no way of reaching anyone. This is not something that protects consumers.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2020 I called Capital One at XXXX and requested to speak with an account manager. XXXX I.D. # XXXX   identified herself. I explained to her, very kindly and politely, that the school that my wife worked for was closed due to the COVID-19 government mandatory Stay at Home order and therefore her income was severed and basically ended. Because of this, her credit card payment was short. Capital One charged her an interest fee of {$35.00}. I kindly requested if they would please waive the interest due to the fact that my wife 's hands were basically tied because of no fault of her own. XXXX answered unmercifully - NO Capital One will not waive interest due to COVID-19. XXXX stated very clearly to me that Capital One 's policy when it comes to the pandemic is absolutely no interest forgiveness. I explained to XXXX that it was not fair for Capital One to be playing hardball at this time because in actuality the bank was taking advantage of the situation of people having zero income and yet the bank still charging the high-interest rates. The truth is that in all honesty, the original terms of the credit card agreement should be null and void because at the time of the original agreement there was no such thing as COVID-19 and the Stay-Home-Order and therefore nobody could have foreseen this coming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I began refinancing an existing loan with PennyMac in XX/XX/XXXX. We closed on the refinance on XX/XX/XXXX. As a part of the refinance agreement, I was not required to make a payment on my new loan until XX/XX/XXXX. However, shortly after closing, I received a notification from PennyMac that my XXXX payment was late. I contacted PennyMac to get clarification about the notice and was informed that the notification was sent before the closing and that I was not required to make any payment until XXXX, as previously stated. On XX/XX/XXXX, I received a notification from my credit monitoring service indicating that a late payment had been reported against my credit by PennyMac. I reached out to PennyMac to find out the cause of the " late payment ''. After multiple calls over several days and hours spent on the phone, a customer service representative finally discovered the issue. The customer service representative informed me that during the refinance process, someone at PennyMac made a mistake which resulted in the original loan remaining unpaid while a new loan was added to the property. The late payment that was reported against me was for the original loan which should have been paid off by PennyMac during the refinance. PennyMac 's  representative informed me that they would be paying off the original loan, eliminating any fees, mailing me a letter to explain their mistake, and contacting the credit bureaus to correct my credit report. 

I have reached out to PennyMac on an almost weekly basis since XX/XX/XXXX to follow up on their progress with these action items. Each time I have spent an exhausting amount of time explaining the situation to a new customer service representative only to find out that no actions have yet been taken to issue me a letter or correct my credit report. Although the original loan was finally paid off, I have not received a letter from PennyMac and my credit has been negatively impacted for almost 6 weeks now. I filed a formal complaint through PennyMac 's customer service regarding their general lack of urgency and the absence of communication throughout the process, but have still not received any response. 

I have given PennyMac every opportunity to rectify their mistake and I believe I have been relatively patient. But my family and I are in the process of moving to XXXX XXXX and I will not be able to receive a favorable loan for a new property until my credit is restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
I purchased my property in XX/XX/XXXX. The bank that was financing the property was Home Point Financial. In XX/XX/XXXX, I decided to refinance the property and made the closing on XX/XX/XXXX. For some miscommunication between the XXXX XXXX and Home Point Financial, the wire transfer with the pay off amount was not submitted on time, they said because it was sent with a different amount. It was not my fault, I called and spoke to them several times. The supervisors even assured me that they were going to remove that from my credit report because they had already reported me. I trusted in them, now when I check my report, it is still there. There is serious delinquency in my credit report. I opened a dispute with XXXX  Credit Bureau yesterday, they contacted me today with the result. They communicated with Home Point Financial and they said that the information is accurate. It will remain in my credit report. It has affected me financially, that's insane! It was not my fault the miscommunication between them and the XXXX XXXX " XXXX XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was set up with auto pay my card was compromised and a new card was issued. I was never advised that the payment didnt go through

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION
State: MN

Complaint narrative:
I'm in the process of refinancing my exsisting home loan. I've been involved in the process for over a month now. I paid {$500.00} ( on XX/XX/XXXX ) in full for my appraisal. Then my mortgage company came back to me to collect {$300.00} more. So I have TWO issues with Alliant Credit Union -- # 1 that they are charging me more money for an appraisal than what a basic appraisal costs. ( I know this as Ive spoken to the Appraisal company -- XXXX XXXX, XXXX ) # 2. Alliant Credit Union is requiring an " inside '' appraisal. This should not have to be done for a refinance -- especially for an exsisting loan. AND especially due to the circumstances surrounding the COVID-19 crisis. There are alternative ways to complete the refinance process that does not involve an " inside '' inspection that would jeopardize the health and safety of my family. I've talked with XXXX XXXX. Who has guidelines published on their website and Selling guides of appraisal exceptions that need to be made. I've been told that a " drive-by '' ( exterior only ) and/or a desktop appraisal can be done. I've also been told that there is a process titled DRDC -- Directed Remote Data Collection -- which is a process by which an inspection can be completed remotely by an appraiser who guides the homeowner through the inspection aided by video conferencing technology. Again, these are all suitable methods that the Lender - Alliant Credit Union can do to respect the state and federal mandates of " shelter in place '' and social distancing. I can not have someone come into my home. I, my daughter, my spouse and my XXXX years old mother ( who's immune system is compromised ) lives with me. We can not take any  changes of being exposed to this deadly virus. I have clients who have already died from this virus and it should not be taken lightly. I need help here to have my Lender find an alternative way to complete my refinance without having an outside individual in my home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: NH

Complaint narrative:
I found Americollect on my credit report and asked them what bill it was for and they told me XXXX NH XXXX. I called XXXX NH XXXX XXXX department to find out if it was legitimate and they said~ no bill of mine had been sent to collections. I then called Americollect back, as instructed by XXXX and told them what they told me and they spoke over me and were totally rude and wouldn't allow me to talk. When I was finally transfered to someone who half way listened, they told me XXXX would have to tell them the debt didn't exist, before they would remove it from my credit report. XXXX had told me they would call them after doing a deep investigation. It doesn't seem right to be crucified first and then check later. They should have to remove it until they prove there is an existing bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AK

Complaint narrative:
National Credit Systems has duplicated a single collection on my credit report with all three credit bureaus. I disputed the duplicated collection twice to no avail. I received a letter stating the duplicated collection would not be removed. 

The original collection is {$3100.00} from XXXX at XXXX XXXX on XX/XX/XXXX. 
The duplicated collection is {$3100.00} from XXXX at XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal is telling me that I have a debt of {$32.00}. They never sent me any emails about this. They simply said that they sent an email that my bank account was not going through. I never received a single noticed that I had a debt. I thought that I updated my account. I called in today. They said they sent it to a debt collection agency. I never received notice from paypal that I had a debt in the first place. No way I could have paid a debt I didn't know I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit Solutions LLC
State: OK

Complaint narrative:
Have getting calls for several years from debt collectors looking for someone with my same name. I have repeatedly told them I am a non debtor and I am not the person they are looking for. After one collection agency quits calling in a short time a different one starts. The latest company to start calling is GCS ( Global Credit Solutions ) and the calls come from various numbers. I sent message on their web site giving my phone number and informed them I am a non-debtor and have never had any past due debt. I also have message on my phone that says I am a non-debtor.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I was going over my tax returns and noticed Specialized Loan Servicing ( SLS ) which had my account for 3 month in 2019 charged me {$670.00} in interest for again only three months and my previous mortgage holder XXXX Bank charged me {$530.00} interest for 9 months. Those numbers just don't add up to me. I would like some more information on the you calculation of the interest on my mortgage I previous had with your company. I had to write a complaint with the CFPB because the last complaint I had with SLS I sent a Notice of Error Letter and SLS response to the Notice Of Error was the SLS never received it. I know for a fact that they SLS received the Notice Of Error because I took A picture of the letter with the correct address and I video taped men putting the letter in the mail box. Since I closed my account with SLS I no longer have access to my account that why I need SLS to sent me some documents with the calculation of my interest rates. 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 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: NY

Complaint narrative:
I received a notice from Professional Account Management , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. The notice pertains to a NJ XXXX XXXX  toll that on a vehicle that had XXXX XXXX. NJ was promptly notified in the manner specified on its communication. Therefore, the toll was paid. 

In response to the notice from Professional Account Management I called the number on the notice to dispute the claim. It appears that this is a non-working number. I have been on hold for over an hour. There is no other way to dispute the alleged debt ( {$54.00} ). A collection company is not be permitted to use an unattended phone number to receive dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: RI

Complaint narrative:
In XXXX of XXXX I was contacted by Fay Mortgage Company stating that my mortgage was behind and there was a demand on my note. The mortgage was previously owned by XXXX XXXX. When I took the time to research my account I noticed that I had few errors were made on the account and I then brought my account current in XX/XX/XXXX. 
On XX/XX/XXXX, I received a notice that my mortgage was in default. I contacted Fay and I was informed that I noticed there was an payment was reversed twice and my account was debited on the same day the payment was reversed. I was told that this is because my previous mortgage ( XXXX XXXX ) informed XXXX that a payment was returned in XXXX which was over six months ago. This is very hard for me to understand that a bank would reach out to my new mortgage company after six months stating that there is an error. When notes are sold they are typically audited before being sold and now I'm told my note is in default again. According to my records I have a payment that is due for the month of XXXX and XXXX. And recently made a payment on XX/XX/XXXX that was debited from my checking account. I also had prepared an auto debit with Fay for my next payment at the end of XXXX month which is no longer showing on my account. I've asked Fay to take the time to review the 12 months of bank statement, along with my payments and a spreadsheet to use to for them to cross reference. I have placed a check mark next to each debit with the date the payment was withdrawn from the account. This company has made several changes to my account with no communication at all. I have attempted to communicate with them in XXXX to bring my account current and they were unhelpful. At that time I attempted to contacted my work out manager and never received a call back or email back. All of this information has been documented on a spreadsheet with email communication that can be sent in a PDF format. I feel that is wrong and other people may not speak up to ask for help as this company may be intimidating them with poor communication and demand letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
The undersigned, XXXX XXXX, is being named Defendant in a wrongful foreclosure lawsuit against him brought in the name Bank of New York Mellon ( no address was provided ) allegedly as Trustee on behalf of unidentified purchasers of so-called mortgage pass-through certificates, series XXXX, of a non-existent Structured Asset Mortgage Investments II Trust ( not registered anywhere ) ( case # XXXX XXXX County, Florida ). Attorneys for claimant ( s ), whoever they are, do not dispute that these " claimants '' have no relation to the alleged debt as they have never purchased it ( which is a clear requirement under 9-203 of the Uniform Commercial Code ), have never had it on their books as an asset or a liability, have suffered no damages, but are set to receive unlawful off-the-books profits ( and have already achieved that in thousands upon thousands wrongful foreclosures around the country ), and would stop at nothing to hide their identities with their counsel 's collaboration. The complaint, however, does state and make the Judge believe that foreclosure sale of the property is to repay the debt owed to claimants, which is not true. A case from Washington State, Cashmere Valley Bank v. State of Wash., Department of Revenue, 334 P.3d 1100 ( Wash. Supreme Court 2014 ) explains in detail investment certificates are no secured and not entitled to foreclosure. PLEASE HELP me personally and also forward this to Task Force Docket # CFPB-XXXX to help thousands of other homeowners being wrongfully foreclosed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: MO

Complaint narrative:
I applied for a vehicle loan on XXXX.com where it estimated my rate based on credit score to be 4 % through a company called AutoPay. I completed the application and shortly afterwards got a text message saying my application was approved. I replied to the message asking what my rate would be, they replied with 2.44 % for 37-63 months or 2.04 % for 0-36 months. I agreed to these terms and decided to proceed at 48 months at 2.44 %. I later received a message from the representative stating that they were responding with the wrong numbers, wasn't sure if my application would be approved, and if so the rate would be nearly 4 times higher. I asked that a supervisor reach out to me. I received a call from a supervisor who stated they were giving me someone else 's rates and they would not honor the numbers quoted. I asked if this was the case to close my application and remove the inquiry from my credit report at which time they stated that wasn't possible.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-15 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: FL

Complaint narrative:
for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I paid off my Victoria Secret card in full over a year ago and continue to receive interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
During the underwriting around XX/XX/XXXX we were informed that the builder could not pay our closing cost because we owned the land the house would be built on. I was told that if we didnt own the land out right that the builder was allowed to pay the closing. Furthermore the bank has a lean on our land. When I inquired I was only allowed to speak to the branch manager they would not allow me to talk to anybody higher. I was told they would communicate it up and get back with me. As of today XX/XX/XXXX one body has given me an explanation. We had to pay a full years insurance, buy three surveys which the last one was only a copy of the first house survey with a driveway and different date. I have inquired an explanation on this as well at the same time. Still no explanation or response. The North Carolina State Employees Credit Union seems to have a short chain of command. I am disgusted that a state funded organization doesnt allow a member to address issues higher than the branch manager.. 

Copy of email from underwriting : The construction Loan Underwriter sent me whats below. Basically, they are requesting that the surveyor revise the foundation survey to reflect the completed home and indicate the driveway along with the survey stamped, dated and signed. 

I paid for the same survey twice ...

Company response to consumer: Closed with explanation