vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I closed on a HELOC loan with Pentagon Federal Credit Union on XX/XX/XXXX, My loan processor informed us after loan approval that they offer a special introductory rate offer of 3.24 % for 1 year, if we take an advance on the line at closing, we had to take it settlement to get this intro rate. The fixed rate of the introductory offer is 3.24 % for the first 12 months. We took an advance on the HELOC at closing as advised. However our billing statements- ( attached ) -does not and has never matched the actual interest rate accrued correctly, nor the interest rate calculated for the amount due. It states a rate of 5.00 %. We brought this to the attention of a supervisor at PenFed 2 month ago ( XXXX XXXX Supervisor Mortgage Loan Servicing Phone : XXXX E-Mail : XXXX ) When we saw this error on our dashboard. XXXX and our original processor at PenFed acknowledged in several emails and phone conversations that they are having issues with their new loan origination Platform system designed for 1st mortgages and is not working correctly for HELOC 's at this time. 
I was informed they are aware of the error and asked to be patient and assured that the problem will be corrected shortly. It has now been more than 60 days of communications and we still can not get a correct interest billing statement and corrected interest charges for last year for taxes. And so far this year our statement is still incorrectly being displayed on our dashboard- ( billing statements attached ). Today we received a billing statement for our loan and it now shows us past due! It  does not reflect all payments made to date by auto debit from my checking account from XXXX XXXX XXXX to PenFed. We are getting nowhere fast on these communications unless we keep calling and emailing for updates. What's more! IS our PenFed dashboard now shows two open HELOC loans and two different account numbers?, it's a real mess. At this point, we are just plain worn out and tired of the time and energy we have spent on this issue. We want to out of this loan and want to rescind this loan, have our fees returned. This whole process has been a total mess from start to closing, which took PenFed over 135 days to process and resulted in having to have a new hard credit pull which lowered our score and now we are concerned about our credit rating and the risk of a misreporting us as past due?

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 2020-01-29 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX National Credit Card Cos Did not make this inquiry XXXX XXXX XXXX Amount {$330.00} Date Opened XX/XX/XXXX Acct Status Open **Never received card ; all transactions were made fraudulently and credit has not reversed my balance to {$0.00} XXXX XXXX XXXX Original Creditor 01 XXXX XXXX XXXX XXXX Amount {$610.00} Date Opened XX/XX/XXXX Acct Status Open **account is not mind/ nor did I open this acccount, creditor refuses to close this account after multiple disputes XXXX XXXX XXXX Original Creditor 01 Comenity Capital Bank Amount {$1100.00} Date Opened XX/XX/XXXX Acct Status Open **account is not mind/ nor did I open this acccount, creditor refuses to close this account after multiple disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I attempted to access my TD Bank checking account with {$1200.00} using my debit card at two separate financial institutions and the transaction was cancelled without explanation. I received a voicemail message to call the Fraud Toll Free No. XXXX and was advised that they could not assist by phone, that I had to call customer service, or send a secure message behind their secure web app. After calling customer service XXXX I was advised that no one could assist - I was locked out of their customer support 0 and I was directed to go into a branch. The nearest branch is 20 miles and not open beyond my core work hours XXXX. I have been limited access for no apparent reason to my resources and the financial institution has not provided an adequate explanation or support to enable me access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX, my mortgage servicing company charged me the amount of my mortgage ( {$1100.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX for the same amount for the same month 's payment. The result of this was an insufficient payment charge to my bank account ( {$29.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX resulting in another insufficient payment charge to my bank account ( {$29.00} ). Additionally, the mortgage servicing company added an insufficient payment charge to my loan account ( {$30.00} ). Due to the mortgage servicing company attempting to charge me for one month 's payment three times, I was unduly charged and additional {$88.00}. I called the company 's customer service line, who advised that it was an error on behalf of the company, and that it could be rectified by me sending the company my bank statement indicating the successful payment on XXXX XXXX and the subsequent charges. I sent the requested information through their customer service e-mail function shortly after and have since heard nothing from the company. I have continually had issues with this company, one which was handled by the CFPB.

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 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a new account and deposited my paycheck to Huntington. Within 24 hours without being told why or that it was even happening they freeze then closed my account. After extensive questioning Im told I can go in to a branch to receive my check. Once I go in Im told I cant get my money they have to mail it to me. From day one theyve denied me access to my paycheck even after its clearing. Now Im being told that even though theyve cashed my check I have to wait a week for them to mail me a check for the funds. This has caused me extensive late fees, possible disconnect, and made my son miss his scouts events because I couldnt even get gas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rodenburg LLP
State: SD

Complaint narrative:
Gentleman staying he was from the sheriffs gained access to my apartment. Guests must be buzzed in. He came to my door and proceeded to bang on the door and call my name. He was informed I was working as I work from home. He continued to to bang on the door so much that the upstairs neighbor came downstairs to see what was going on. I this when I had no other recourse than to open. I told him I would not be taking the summons as I filed for bankruptcy. He stated he didnt care, threw the paper at me, I had to pick up from the floor and he walked away. 
It should be noted the summons has no number and a date of XX/XX/XXXX. Summons delivered on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I made my fourth of three monthly payments to the servicer in XXXX, which made me eligible for their Get Current Program, which meant that my past due payments would be brought current, and I would be enrolled into their direct debit program moving forward. On XX/XX/XXXX, I checked my bank account and realized the XXXX payment hadn't been withdrawn, so I made it over the phone. It was not debited from my account until XX/XX/XXXX. This also mea n't my payment was more than 60 days late and the company reported a late payment to the credit bureaus. 
On or about XX/XX/XXXX, I spoke to XXXX with Firstmark Services, and explained to him that I made my XXXX payment but that it was not debited and I had to make another payment as soon as I realized. He said if they researched the call and found out I made a payment, my payment that posted on XX/XX/XXXX could be retroactively applied to my account and I would be credited with a XXXX payment, and I would qualify for the Get Current Program. He needed me to find out the exact date and time of the XXXX call, which I did after spending an hour on the phone with XXXX XXXX XXXX. I called and gave him the information and to this day and 6 calls later, have not received a response. XXXX also said they could retract the late payment report to the credit bureaus. I made another payment in XXXX so as not to have another hit to my credit. Despite being provided with he information XXXX requested to resolve the issue, I have never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
Gentleman staying he was from the sheriffs gained access to my apartment. Guests must be buzzed in. He came to my door and proceeded to bang on the door and call my name. He was informed I was working as I work from home. He continued to to bang on the door so much that the upstairs neighbor came downstairs to see what was going on. I this when I had no other recourse than to open. I told him I would not be taking the summons as I filed for bankruptcy. He stated he didnt care, threw the paper at me, I had to pick up from the floor and he walked away. 
It should be noted the summons has no number and a date of XX/XX/XXXX. Summons delivered on 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 explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IN

Complaint narrative:
This university has been reporting that I owe them {$160.00} since XXXX of 2014. I never received written notification about this debt, I have only been contacted by phone. I have tried to dispute this item several times and ECSI/ XXXX University has only sent me a bill statement. They have failed to validate this information and provide me with copies of any documentation associated with this account bearing my signature. They have also failed to provide the name, address and the telephone number of each person contacted regarding this alleged account during their investigation. I have repeatedly asked for evidence to support their reportings on my credit but they have failed to provide me with any copy of any viable evidence supporting their claim. After being sent a statement and them updating my credit report as verified and meets FCRA requirements, I requested their method of verification and they have yet to comply which is an additional violation of the fair credit reporting act 611 ( a ) ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a promotional rate of 0 % that expired on XX/XX/XXXX, after which it would go up to 21.49 %, and another promotional rate of 1.99 % that expires onXX/XX/XXXX. 

I called up Bank of America to ask how I could avoid paying the 21.49 % interest rate and I was told on a recorded line by a bank of America associate that I had to make the whole payment on XX/XX/XXXX for the amount that was due for that promotion. 

I followed the instructions exactly and made the payment on XX/XX/XXXX, and it went towards the promotion ending on XX/XX/XXXX instead. Please correct this and apply that payment to the promotion that ended on XX/XX/XXXX like you said you would, and reimburse me the interest that you wrongly charged me.

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 2020-01-29 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: NY

Complaint narrative:
I've sent a previous complaint about the FCRA violation from a creditor as well as all 3 credit bureaus. I requested a copy of a signed contract along with the statue of limitations and charges that said creditor is saying that I owe. It's been 8 months and the only thing they've sent was a weird statement showing interest charges from a card that I've never had. This also violates my rights, because it was removed about a year ago and has since been Reinserted and I was never made aware of this from XXXX XXXX which is another violation. This debt has never been verified thus the credit bureaus have allowed it to come back on to my profile showing verified. How can they be allowed to do with a bogus statement. This is not only hurtful especially because I do not owe this debt at all. My son is in his last year of school at XXXX College in XXXX and this is preventing me from paying his balance with a Parent Plus Loan so that he can graduate on XX/XX/2020. This debt is not mine please force them to remove this immediately. 

My previous Complaint ID # XXXX Warmest Regards, XXXX 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 2020-01-29 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: SYNCHRONY FINANCIAL
State: GU

Complaint narrative:
SYNC/WALMART Account was directly disputed for incorrect information ( synchrony ). It was " resolved '' by further inaccurate reporting to credit bureaus, re-aging account on XXXX  ( account was closed XX/XX/XXXX ) and showing payments and delinquent payments all the way to XX/XX/XXXX. Old delinquent payments were, in effect, pushed forward making it appear that delinquent payments were made in XXXX and XXXX, decreasing my credit score. XXXX, XXXX  and XXXX are not matching information.

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 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I started a " cash out '' refinance of our existing mortgage with Wells-Fargo (  whom I have been a customer with since XXXX ). I began the process XX/XX/XXXX and worked over the last 3 days an average of 4 hours a day to provide, process, expedite and finish the application. Every form, every document I signed, read, discussed was as a " cash out '' refinance and our loan application even showed us with a cash balance due at closing of some {$40000.00} +/-. We locked in the rate yesterday ( XX/XX/XXXX ) and paid about {$530.00} for the lock in, credit report, and appraisal. Today ( XX/XX/XXXX ) our agent XXXX XXXX XXXX ( who sometimes likes to give his mortgage license number but hasn't in the last 2 days ) called to say " He made a mistake '' and our lock in rate of 3.625 % would not be honored because he forgot it was a " cash out finance '' deal. He offered to put us in at a 4 % rate. This is clearly a case of bait and switch. I demand satisfaction and nothing short of this individuals license revocation will satisfy me.

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 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
Early in XXXX I acquired the Apple Card through Goldman Sachs. 
Subsequently on XX/XX/20 a {$9.00} charge was placed on the card by Apple for a monthly storage fee. This subscription had, up to this point, been charged to a XXXX XXXX card. At no point did I authorize Apple to switch the charge account for the subscription. 

I called Goldman Sachs to inquire about the charge. I was told I must have approved the transfer of the subscription payments to the Apple Card. I did not do this. 

Apple and Goldman Sachs are committing UDAAP by switching charging accounts without express permission of the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: AL

Complaint narrative:
There is a bankruptcy reporting on my credit report erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
Ive noticed a collections from XXXX XXXX on my credit repost to which i have zero knowledge of. I have never used XXXX products nor their services ever! I called XXXX and they can find my name no where in the system at all and could not help me. I explained to the lady whom i spoke with that Ive never used XXXX and was never billed by version and i didnt understand why it was on my report. She said she couldnt find my name anywhere in XXXX system and that I would need to contact the debt collectors. She was no help to me at all. I disputed it on my credit report but i dont know if thats enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX  GOLDMAN SACHS BANK USA completed a credit inquiry. Upon contact Goldman Sachs, I was told they opened a Apple account in my name/social security number. I notified all that I did not open this account, it was fraudulent and was assured by GOLDMAN SACHS BANK USA that it was closed. At this time, I also locked my credit on the 3 services. 

In XX/XX/XXXX, XXXX notified me that an account was opened via GOLDMAN SACHS BANK USA. I notified all that I did not open this account, it was fraudulent and was again assured by GOLDMAN SACHS BANK USA that it was closed. It did sound like they used the information from the XXXX inquiry to open the account. 

In XX/XX/XXXX, XXXX  notified me of a Delinquent notice on my account by GOLDMAN SACHS BANK USA. Goldman basically said they could not do anything. They did say that since I reported the 2nd fraudulent account in XXXX, it would take until XXXX before the credit bureaus were notified and the delinquent notice should be removed once they were notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: AL

Complaint narrative:
There is a bankruptcy reporting on my credit report erroneously.

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 2020-01-29 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: LEXISNEXIS
State: AL

Complaint narrative:
There is a bankruptcy reporting on my credit report erroneously.

Company response to consumer: Closed with explanation