vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have tried numerous times to discuss the pre-payment penalty with the company. I am close to losing my job and have to sell my house. There is a huge pre-payment penalty that is up in 5 months and I wanted to see if we could negotiate this. Not only that, when an inquiry into the payoff amount was made, an absurd amount was given way over the pre-payment amount. When I tried to discuss this with the company, they charged me {$25.00} for having to look into it. They now refuse to call me back to discuss it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
RE : Sterling National Bank. commercial LOAN # XXXX I have meet with bank managing director XXXX XXXX back on XXXX I am trying for lender to provide me mortgage bills for years XXXX & XXXX ( 1098 IRS forms ) that are obligated to provide every end of year. 
Sterling bank has failed to do so after many attempts and I even meet with them and they have been charging me now for past 11 months higher interest and higher Tax escrow that what my actual property taxes are, I have emailed them many times copy of my property tax bills showing lower taxes and all what they need BUT yet they still dont want to give me what is owed to me/client. 
I want Sterling National Bank to be nothing more than fair and provide what a loan service is obligated to do to their clients. 
I have proof emails ( over 50 emails ) since XX/XX/XXXX that what I asked and pretty much nothing has been given to me and their lack of communications and unprofessional people with NO answers its very frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: IL

Complaint narrative:
TRANSUNION HAS RECEIVED 5 OR MORE DISPUTE LETTERS ASKING FOR TRANSUNION TO SHOW ME CONTACT INFO OR THE ORIGINAL CONTRACT, BUT THEY NEVER DO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I started the refinance process on XX/XX/2020. I talked with Mr. XXXX XXXX, NMLS ID XXXX, XXXX. I was told that all my papers were in order and I had a above average credit score.  Almost 4 months later I still have not closed. I have a existing mortgage with Mr. Cooper for the last 15 years. 

The last person I talked to was Ms. XXXX XXXX, Loan Officer, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Texas XXXX, XXXX. During the last 4 months I was told that my refi was held up due to COVID 19. My interest rate went up from 2.7 to 3.1 %. I was told by Mr. XXXX that he would work to get it back down to the original rate and the bank would have to pay the {$4000.00}. 

On XX/XX/2020 I was asked to send my bank statements with a header showing my name. I had already submitted bank statements 4 mths ago but now they say they need my name at the top for the underwriter. It has been delay after delay. I have been told that refinance does not usually take this long. 

I would like someone to contact these people on my behalf. I feel I am due some sort of compensation for all the stress that I have been under.P XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX Mr. Cooper Loan No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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 AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I contacted Citicards on XX/XX/XXXX three times. Each time the representative did not address my problem. The last representative said theres nothing we can do and we dont deal with interest charges. I also chatted with them and they confirmed that there was an error with the interest charged My problem is I was charged interest on purchases that were returned or credited by the merchants. The airline lost my luggage with everything in there and Ive had to return stuff. XXXX sellers were also were sending me the wrong items or they were damaged when I was receiving them. The first interest charge is {$19.00} on XX/XX/XXXX, XXXX was {$59.00}, and {$130.00} on XX/XX/XXXX and XXXX on XXXX, and You can see the refunds in the statement credits. Please recalculate the correct interest rate. Like for XX/XX/XXXX there is a positive balance left. The total after refunds and credits was around {$140.00}. Then there was an autopayment for XXXX. Also On XX/XX/XXXX the total balance due is XXXX after everything that is not {$130.00} dollars in interest. 

Herea my chat with them You at XXXX, XX/XX/XXXX : citi charged XXXX in interest charges however a lot of merchandise was in the process of being returned so the credits posted later in the month so i am being charged an interest rate for purchases that were later credited by the merchants. Like I ordered stuff from XXXX and XXXX but it was defective so I had to return it XXXX XXXX at XXXX, XX/XX/XXXX : Thank you so much for explaining in details as this really helps us! 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$19.00} Please let me see if I could do anything on this. 
I will do my best. 
You at XXXX, XX/XX/XXXX : im talking about XX/XX/XXXX the interest was charged on a XXXX order from XXXX XXXX XXXX which was later credit3ed on XX/XX/XXXX by the merchant XXXX XXXX at XXXX, XX/XX/XXXX : Please let me pull up your old card details. 
You at XXXX, XX/XX/XXXX : same with the XXXX order from XXXX XXXX XXXX at XXXX, XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$130.00} You are right, there are couple of returns on the account. 

I see the interest was charge on the previous card and as this card is no longer in use, it will not let me work on that. 

No worries, our account specialist team would have the access on this. 

Let me share the best number to you. 
The number for our account specialist is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week. 
I would also be right here with 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 monetary relief
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$9700.00} XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX  XXXX {$63.00} XXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX  XXXX {$920.00}

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 explanation
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX  XXXX {$10000.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$9700.00} XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXXXXXX {$920.00}

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 explanation
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX  XXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is NOT a dispute about information on my credit. Its is about their internal practices that allow unauthorized access to my credit file despite me having a security that is PIN protected. I would like to report a crime ring involving XXXX XXXX and Transunion. XXXX XXXX, XXXX XXXX XXXX, TX has XXXX area properties. I have proof that this company allows residents to use fake and fraudulent information to rent apartments. In collusion with Transunion, individuals are able to rent apartments on someone elses name. Transunion allows credit checks and rental screenings from properties that have subscribed to their rental screening service to have access to credit files that are protected by the consumer requested security freeze. This false pretenses and ID theft has negatively affected my credit and should not be tolerated. Both XXXX XXXX and Transunion should be investigated for these crimes. Victims like me are unable to receive relief from local law enforcement, and these companies are taking advantage of it. Dates of these transactions are XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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: NV

Complaint narrative:
names address and accounts wrong XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date XXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX   XXXXshow tooltip button XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments begin XX/XX/XXXX. 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, a letter was sent to me to advise that eff XX/XX/XXXX, TCF National Bank and Chemical Bank were merging, my line of credit account would be given a new loan number, and there would be a different way to submit payment online. I followed the instructions and set up a new user profile and once logged in, found I had no information regarding my account. No payment due date, amount due, or balance information is present anywhere on their website. I can submit a payment, but am weary about sending money through this new site when I can't confirm if it's even going to my account. The only contact information provided is a phone number, XXXX. I have called this number every day since XX/XX/XXXX and have yet to get through to a live person. I usually spend an hour on hold before giving up, today I'm at XXXX and said enough is enough, time to file a complaint. How a legitimate financial institution can not provide simple information like payment due and due date, and the outstanding balance is beyond me. And then to not provide a means to speak to someone about their account is inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
We have been attempting to obtain a partial release from NewRez/ShellPoint Mortgage since XX/XX/XXXX when we faxed in all the requested partial release documents to NewRez/ShellPoint. Over the past year we have attempted to get status on the partial release in which NewRez/ShellPoint would give conflicting information or have no updates at all. We have spoke to customer service management on 12+ occasions and customer service on 25+ occasions. Customer service and customer service management is reporting they are not able to get any response from their internal partial release team. Customer service management has left voice mails for the partial release agent ( XXXX XXXX ) assigned to our request and her her supervisor XXXX without any response. We have filed 6+ internal complaints with NewRez/ShellPoint Mortgage via customer service and customer service management that have gone to no avail. Customer service reported that an escalation representative will call us back with 24-48 hours of each complaint and we are yet to receive a single call for any of the complaints filed. On XX/XX/XXXX, NewRez/ShellPoint Mortgage reported that we had submitted all the required documentation and that NewRez/ShellPoint would begin the partial release review. I called back in on XX/XX/XXXX in which Customer service management sent an email to XXXX 's supervisor with no response. On XX/XX/XXXX I spoke with customer service and had no status and filed another internal complaint on our behalf. Again we never received a call back from NewRez/ShellPoint Mortgage. On XX/XX/XXXX I spoke to customer service management again but they again had to status update on where the partial release request was. This day customer service management was attempting a live phone hand off to partial release supervisor XXXX but I was forwarded to Voice mail. I left a voice mail requesting a call back but never received a call back. On XX/XX/XXXX I spoke to 3rd level of customer service management XXXX XXXX and also attempted to contact the internal partial release team again with no response. XXXX XXXX ask that I wait until XX/XX/XXXX to get a response from the partial release team before escalating further. Per XXXX request on XX/XX/XXXX I called back in and left a voice mail message on XXXX voice mail. About 3 hours I called XXXX XXXX back because I had not relieved a call back. Brain was un-available but reported via customer service representative XXXX XXXX that he would call me back " shortly ''. I still have not received a call back. Most of the documentation I have contains very personal information including loan numbers and other sensitive data. I can provide in a secure manner if needed. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i recently had a credit card closed for unknown reason and was investigating the credit report. because of the security problems of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX XXXXXXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}

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 explanation
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX  XXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}

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 explanation
Consumer complaint received 2020-08-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX lease end agreement was on XX/XX/2020, my purchase appointment date was set for XX/XX/2020, my new Purchase contact payment is scheduled for XX/XX/2020 and my consumer complaint is that XXXX reported " 30 day DELINQUENT notices '' for XXXX & XXXX and interns made my FICO drop from XXXX to XXXX and cause the Denial of my home equity line of credit. I have made contact with XXXX and they stated that they have reported their error however, when I try to contact Experian @ XXXX but after 30 tries I had no luck for they have a horrible system so I filed a complaint under report # XXXX which is only for XXXX because they do not allow me to file again which makes absolutely no sense what so ever ... 
My objected for this noticed is to seek help on assuring my credit FICO score of XXXX is return and both XXXX and XXXX delinquencies of 30 days are removed completely from my credit report for XXXX should have never reported false delinquencies. No consumer should have to bare this unfair financial reporting for it is truly successful and frustrating. Thank you and I truly appreciate your prompt enforcement in this matter.

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