vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: IL

Complaint narrative:
My loan was sold to Specialized Loan Serviceing by XXXX XXXX. On XX/XX/XXXX I got a package about it. It stated that I was late on a payment of a {$20.00} manintenance fee and had {$9.00} in interest due. My balance was {$0.00} so thereshould have been no interest. I recieved no bills or paperwork in the transfer so I had no way of knowing they fraudulently charged me. As of XX/XX/XXXX there is still no statements online to tell me why I was charged interest. I immediately paid the {$29.00} on XX/XX/XXXX. The wesite shows me still late on {$20.00} and a {$20.00} unknown and unapplied payment. My original agreement with state farm said that if I closed the loan in less than a year there would be a early temination fee. I believe it was {$140.00} but since statefarm has deleted all record of the original loan I can't find out. It's been over 2 years. Now XXXX says I have to pay a {$500.00} early termination fee or continue incurr ongoing maintenance fees and interest on my {$0.00} balance. There are hundreds of complaints about them online. The representative said since the website says so there is nothing he can do about it. He could not explain why there was {$9.00} interest on a {$0.00} balance.

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America has let unknown and unauthorized charges continue for three years, until I caught the transactions. When trying to get statements Bank Of America is only allowing me to have 13 months of statements even though I have talked to fraud and these fraudulent charges have dated back to XX/XX/XXXX. Bank of America has yet to help solve this scam or money laundering and will not dispute any transactions from XX/XX/XXXX because they say they cant see back that far. These unknown draft payments vary from XXXX to XXXX dollars per transaction up to 3 times daily and or 3 to 6 times a month all going to XXXX. I have service with XXXX XXXX XXXX but I pay once a month and its supposed to be the same amount if not 10 higher for late fees. I have looked into my XXXX XXXX XXXX account and there are multiple changes in account as in primary holder, even though I only have one device and one plan. There are unknown devices that dont have phone number and unknown charges for a Access Card I never heard about. I tried to call XXXX XXXX XXXX to ask about the most current payment that was taken directly from my checking and why so many payments have been taken out and what for and I was put on hold and hung up on 3 times. All representatives with different names. Previously asking about bills which I call every month because it is always changing and I never know why. A representative said he doesnt see those transactions going to the XXXX XXXX XXXX company its self.

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 2021-01-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020. Someone Went to a ATM in XXXX XXXX to check my balance on my EDD prepaid card. On XX/XX/2020 that person checked the balance again at a ATM in XXXX XXXX. At that same ATM on XX/XX/2020 someone withdrew {$160.00}. I did not authorize none of these transactions. I only withdraw money in the city I live in at my local Bank of America in XXXX, California. I have never check my balance or withdrawn money in XXXX XXXX. On XX/XX/2020 ; I checked my Bank of America account on the Mobile phone APP and noticed all these transactions I did not approve. I called the fraudulent number with Bank of America to notify them I did not approve those 3 transactions. The representative files a fraudulent claim and reissued me a new prepaid debt card. The rep. told me it will take at least 25-40 days before I will get my money returned and I will receive a letter in the mail about my claim and an email confirmation. I received my new debit card but never received an email confirmation. I received a letter in the mail that my claim. 
The day I called the fraudulent claim number on XXXX XXXX, 2020 ; was the same date they wrote a letter about my claim ; that I received in the mail on XX/XX/2020 ; stating, " The above claim has been closed. '' " Your claim has been closed because we believe the account or claim have been the subject of fraud pr suspicious activity. Any temporary credit was applied to your account related to this claim, including any related reimbursement or fees, has been or will be debited from your account and reflected in your available balance, if any. '' CLAIM NUMBER : XXXX Account ending : XXXX. 

To date ; I have not received my {$160.00} reimbursement. 

On XX/XX/2020 ; I tried to login to my account online. When I put in my user name and password, I could not access my account. On the screen it informed me, " Your account can not be accessed. Please call the number on the back of your card ''. I called Bank of America and told them what was on my screen and I was told that my account was frozen on XX/XX/2020 2 days after I received my EDD Deposit. I was never notified about this by Bank of America and only found out when I tried to log in to my account. The representative file paper work to unfreeze the account. 

To date ; my Bank of America account is still frozen and I can not access it online.

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 2021-01-13 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
The complaint is for both customer service and credit report/reporting issues. 

On XX/XX/XXXX I received an alert from my credit monitoring service that Exeter Financial XXXX  placed an action on my credit reports stating that my account with them is 30 days past due. I definitely was not aware that my account was past due as I have made my payments every as my contract states and have been working very hard to improve my credit worthiness ; this action really set me back. I reached out to Exeter to find out what was going on. The representative reviewed my account, and stated that I had missed my XX/XX/XXXX payment. I was devastated because I am pretty good about paying my bills and if I did miss a payment. I would think someone from the company would have reached out to me regarding this matter. In XX/XX/XXXX, I reached out Exeter to inquire about possibly receiving a payment deferment due to COVID hardship for a decrease in income. Representative never stated that I was behind or I missed any payments. He explained to me that the payment would be put to the end of the loan and my next payment would be XX/XX/XXXX. I repeat not once did the representative state that I was behind because if I was, I would have asked for the deferment as well as what I would need to do to bring my account current and still have a payment due XX/XX/XXXX. After the representative submitting the request, he went over the details of the deferment and stated that once the deferment was approved that my account would be current and next payment of {$780.00} was due on XX/XX/XXXX. I called on XX/XX/XXXX to make sure the deferment was approved and it was. From XXXX on, I made my payments on time. Still on XX/XX/XXXX, I requested a deferment to bring my account current because after calling in on this date and finding out all this information I would have to make 2 payments in order to bring my account current in which I can not afford. The deferment was approved and my account is current as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: FL

Complaint narrative:
i never been to vegas never rented a car in vegas this is not mind its another XXXX XXXX and they wont remove this fraud account or mis idenity account they wont call me back or anything

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 2021-01-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter regarding an accurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into hands of the wrong person.

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
Tromberg , Morris & Poulin , PLLC I paid my matter # XXXX IN FULL last XXXX. 

On XX/XX/XXXX they took an unauthorized {$100.00} from my bank account. I have contacted them every day for the last week to no avail. They stole my money and won't give it back. So, I had to spend {$35.00} and my time to go to the bank and stop payment. 

I have

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 2021-01-13 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Collection Service Center, Inc.
State: PA

Complaint narrative:
This account popped up on my credit report and ALMOST cost me a mortgage ( and DEFINTELY increased many costs associated with it! ) I didn't even know what it was, but ( after dpomg research extensive research with my insurance company -- who was AMAZING! ) I found out that it turned out to be a medical collection for my son 's treatment in the previous months and that it was NEVER submitted to insurance, despite them having the insurance information on file and NEVER contacting me ( the creditor admitted this. ) This cost me a lot of money and almost jeopardized the closing of my first home purchase. I contacted the creditor multiple times ( mainly spoke with 'XXXX  ' the 'credit reporting 'manager ' ) -- and after spending HOURS on hold -- and being ASSURED that, while their 'back office ' did not have a phone number, they were 'PRIORITIZING ' this complaint and someone would reach out to me within 24 hours ( this was back in XX/XX/2020 -- have never received a call-back, and have called in 15+ times ) nothing was ever done. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Hello : We refinanced our home in XXXX of XXXX with Santander Bank ( which lended and serviced our old mortgage and new mortgage ). At the time of our refinance, we were informed in the closing disclosure documents that our Escrow balance was close to {$2000.00}. From our own look at the sparse information available to us XXXX our monthly mortgage statement ), we know that on XX/XX/XXXX, there was {$2400.00} in escrow. On XX/XX/XXXX, Santander paid our quarterly city taxes, an amount around {$2000.00}. That should have still left {$440.00} in our account, PLUS, the escrow payment we made on XX/XX/XXXX in the amount of {$890.00}, bringing the total escrow balance on XX/XX/XXXX to around {$1300.00}. We received a check in late XXXX for {$190.00} that supposedly satisfied our escrow balance. Therefore, we believe that we are owed approximately {$1100.00}. ( Note that we are attaching our XX/XX/XXXX Mortgage statement as well as our mortgage payment breakdown ). 

In XXXX, when we received this check that was far less than what we are owed, we spoke to the mortgage officer, to our local banker, to multiple people in customer service. They put us off repeatedly, telling us in XXXX to wait until XXXX to receive a mortgage escrow analysis. The escrow analysis did not turn up the missing money. We called multiple people AGAIN to ask for a detailed month by month accounting of how much was in our escrow for XXXX, and Santander has not given us that information, even though we have called to request it multiple times. The most they have given us is a general statement of the amount we paid INTO our escrow each month, not a full accounting of what was taken out, what the balance is, and what we paid in. We want a detailed accounting of our escrow account ( what was put in and taken out ) for all of XXXX and XXXX, so that we can see the exact amount owed to us. We then need a refund of that amount back to us WITH INTEREST. The fact that there is no transparency on this is very disturbing to us, and we are planning to move our money away from XXXX in 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 explanation
Consumer complaint received 2021-01-13 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: Radius Global Solutions LLC
State: VA

Complaint narrative:
I have a XXXX  XXXX account on which I fell behind on due to being impacted by COVID-19. Prior to COVID-19 they changed my due date which made me late and incur late fees almost every month. This was frustrating, then I don't recall them even offering me a delayed pay plan for COVID. I was attempting to bring my account up to date but it had been transferred to another company by the name of Radius Global Solutions. I was told the account was charged off and was offered a settlement first of 80 %, then 50 % which they wanted lump sum in XX/XX/2021 or pay 55 % via installments. I have been trying to catch up my XXXX  XXXX account my since I have been impacted and my pay reduced by COVID-19. I reviewed copies of my credit report and there are excessive inquires from Radius Global Solutions on behalf of XXXX XXXX. As far as I know, debt collectors are permitted to request credit reports every 30 days to determine the debtors ability to pay. However, the inquiries on my credit report are excessive and under the 30 day time period. This is severely damaging to my credit worthiness. Over the last 90 days, creditors have reduced my credit and closed accounts and I would have to deduce it is from these collection inquiries. This sends a red flag to my other creditors which either had XXXX balances or stellar payment histories. This is illegal and has violated the FCRA and FDCPA.

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 2021-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Lending Club Corp
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
There are currently numerous inquiries listed on my credit report that I did NOT initiate or authorize. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I applied for a Walmart card that Capital One services. The information on Walmart 's site said in several places that there would be no impact to my credit score. But then they turned around and did a hard inquiry which caused my credit score to go down by 3-4 points ( depending on which company you ask ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Garcadia Financial LLC
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, FOURSIGHT CAPITAL, LLC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am writing today in regards to my account with Shell Point Account # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation