vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 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: FL

Complaint narrative:
There are numerous collections listed on my credit report that I have no knowledge of. This was a result of malpractice or an error which is negatively impacting my credit worthiness.

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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have previously disputed this account before but i have an issue with their response. 

I've attached a response i received from Wells Fargo. 

My argument is still concerning the phone numbers and their attempts to contact me or XXXX. 

Their investigation dismisses our claim that the XXXX number, that they purportedly used to contact us, was wrong. They claim that it is listed on the application as a business contact and that is why it was transferred to our online account. 

If you look on the loan application that they included in the investigation, you will see that on Page 1 of 4, both mine and XXXX 's personal numbers are listed under " Borrower Information ''. 

The number that they claimed they used to contact me of the late status of my account is clearly in the " Employer Information '' section. 

I still argue that WFHM did not exercise due diligence or good faith in contacting me or XXXX about the status of our account. There is obviously proof that they could have obtained the correct contact information from our account or the loan application. 

I have provided enough proof to prove that Wells Fargo is reporting inaccurately and that the late 's need to removed from my credit file.

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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
In the summer of XXXX, I called PennyMac because I was interested in accelerating my mortgage loan and I was looking to refi my mortgage as the rates had dropped. Because it is a condo, PennyMac opted not to help me. Fine, then I decided to make extra payments greater than my monthly payment owed. Which was at the time was approx {$1300.00} per month. Now with the increase of taxes, that amount changed to {$1400.00} per month. So I started the bi-monthly payment and told the Pennymac rep that. In XX/XX/XXXX/XX/XX/XXXX, I became ill with a XXXX XXXX. The consequences of that illness was the 100 % loss of my hearing. By XX/XX/XXXX, my hearing loss was complete and irreversible. I was under the care of XXXX XXXX, the recommendation was to get cochlear implantation. I had XXXX the week of XXXX. I was home recuperating when I realized that my mortgage payment needed to go out. I made the payment late for XXXX. 
PennyMac began the process of foreclosure. I wrote to PennyMac on XX/XX/XXXX. No response from them at all. I wrote again on XX/XX/XXXX, no response from PennyMac. Nothing. I received certified mail that PennyMac intends to foreclose. Why? PennyMac has received the funds owed them. 
PennyMac has no trouble sending mail out for foreclosure but their reps can't read messages left on their website? Why is that? They can't work with their clientele? Why is that? I can't get a refi, I can't get a hold of them, I can't communicate with them over the phone anymore. I could mail a letter, but USPS has been atrocious. The quickest way is to send a message via online. Yet, no response. 
PennyMac Loans has discriminated against me. They have ignored me, they have bullied me, and harassed me with their foreclosure processes. This is totally unnecessary and nasty. 
I want PennyMac to send in corrections to all the credit report agencies, I want PennyMac to remove all foreclosure processes from my record, and I want PennyMac to issue an written apology to me for poor leadership. 
I am asking you to represent me to PennyMac Loans since I can no longer hear. It would be nice for someone to stand up to rude large organizations. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
in 2017 on my report but they remove it as identity theft or fraud i been on phone with capital one but they dont care about identity theft or fraud i want they to fix i already file a fairshake law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have a home equity line of credit from Citizens Bank, NA. Every month I was giving an extra {$1500.00} a month all towards the principal amount. I was also paying the minimum payments of principal and interest. So now it came to my attention that the bank was taking an extra interest amount off of the XXXX extra I gave a month. I asked them to correct the issue and they did and went back a couple months. I wanted the entire Line redone correctly because the bank is keeping all the extra money I gave because they misdirected payments. Please help with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2020 : A check for {$8700.00} was issued to me and my mortgage company by my home insurance provider against a home repair claim ( XXXX  XXXX XXXX  ( XXXX  ) ) in XX/XX/2020 using their bank XXXX. I got the check endorsed by the mortgage company rep and then I also signed back of the check. 

XX/XX/2020 : I made a mobile deposit via the Citibank Mobile app. However, the check was rejected by Citibank stating missing endorsement. ( However, I did not receive any email or mail about this rejection. So I was not aware of this rejection ) XX/XX/2020 Believing that the check has been successfully processed by Citibank. I trashed the actual check. 

XX/XX/2020 I noticed in my bank statement that Citibank had infact rejected the check and debited the check amount from my account. So I contacted XXXX to reissue me the check. XXXX  is claiming that the check was processed by Citibank and can not reissue the check until the money is credited back to their account. 

XX/XX/2020 Called the Citibank call center several times. Received a response to the service ticket BUT the response did not contain any details that I use for resolution. 

XXXX/PNC are willing to get any official from Citibank rep to call them and figure out the cause of the issue. But no one in Citibank agreed to get into a call. 

Finally, I contacted Citibank Relationship Manager seeking her help. Provided her the details of the issue. I did not see any help or resolution coming from her as well. 

Citibank reps have not been able to resolve the issue and went around responding to some other aspect of this transaction. Truly disappointed with lack of empathy by the people I spoke with in Citibank call center. 

However, I did not receive the check money in my account. So where did the money go? Which account did the money got transferred to?

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 2021-02-11 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 numerous collections listed on my credit report that I have no knowledge of. This was a result of malpractice or an error which is negatively impacting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?

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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have written to everyone I could think of, every year, regarding escrow issues with my mortgage company and the Maryland Department of Finance. The problem stems from a program with the Taxation and Assessments Program of the Maryland Department of Finance, which I have been eligible for for many years.This program allows for low income, senior homeowners to receive discounted property taxes. My escrow has caused me many problems over the years, however I have been able to take care of it with loans, loan modifications and other means. This year the loan company, Mr. Cooper, before the pandemic, sent me an Intent to Foreclose and my prior remedies are no longer possible. I am able to, and always have been able to, pay my mortgage plus whatever part of my escrow is not paid by the Maryland of Finance Program, but I can not pay the full escrow amount, otherwise I would not even be qualified for the discount program. I believe I have acted as a reasonable person and my mortgage company and the Maryland Department of Finance have not assisted me as experts in their field.

In an attempt to at least begin to remedy my problem, so I can keep my home of 34 1/2 years, I am trying to get the following information : 1. ) Is there a law or code, that you can give me the citation for, that allows for escrow to be late and how late?

2. ) Who is the correct person to contact for help with my mortgage problems, if it's not you. It is not fair that anyone with a mortgage should not be able to easily find this information.

3. ) Where can I get information about suing my mortgage company? 

I will send documents soon, so you will better understand the situation. Also, I have very little money, so I hope to do as much as I can without an attorney. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I received a settlement letter in the mail and called to make payment. I asked the representative if the item would be removed and they advised it would. However, instead of removal the balance was updated and the account left open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I was sued for a debt owed to XXXX  XXXX XXXX around XX/XX/XXXX for an amount of {$10000.00}. Through my lawyer, XXXX XXXX XXXX, XXXX, a settlement of {$6000.00} was reached. This amount was paid off on XX/XX/XXXX. On XX/XX/XXXX I was notified by my employer that my check would be garnished to pay off the remaining {$4400.00} to satisfy the {$10000.00}. My lawyer got involved once again as my checks were being garnished to pay off the debt. On XX/XX/XXXX the original settlement was honored, and the funds garnished would be coming back to me along with a note on my credit report of the debt paid off. This was pending I send a signed release form to Cooling & Winter, LLC. The form was signed and arrived at their receptionist on XX/XX/XXXX at XXXX. The credit report changes have been honored but my funds being returned have yet to be honored with no further communications returned from Cooling & Winter. The funds being returned as the pandemic hit was going to be a stress reliver for my family, but I continue to wait and wait. I am seeking that the {$4400.00} be sent to 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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to get this issue fixed for almost an entire year. 

TransUnion has failed to fix this issue. This is my 3rd time reporting this as well. The 3rd party credit report, XXXX XXXX has my credit score about 50 points less than it should be due to the inaccuracies TarnsUnion has in the database. 

The credit card that I hold from XXXX XXXX XXXX XXXX is not on my credit report accurately. 

It does not display as OPEN and is hurting my credit report dramatically! 

Id like for TransUnion to fix this issue!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: CA

Complaint narrative:
Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?

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 2021-02-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: FL

Complaint narrative:
Equifax has blocked me from using my account. I have been on the phone with them for at least four hours over the last two weeks they said there was a problem with my account because of my signing in was not correct they have sent me a new password resets but nothing works they are just impossible to deal with They refuse to cancel my account which means I keep paying every month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have an account with Robinhood, when I set it up last year it asked for my phone number and email. I used my home number. For a year now, whenever I make a trade, it emails me a code ( 2-factor authentication ). On Monday, XXXX I tried to make a trade and instead of emailing me the code as usual it asked how did I prefer to receive the code and there was only 1 option SMS ( which it tried to send to my home phone ). So then I tried to change the phone number and it said in order to change the phone number it would text me a code - which I obviously can not get. I emailed customer service - which was not easy to find where - and it said they would get back to me in 1-3 DAYS! DAYS! Whoever heard of taking days to get back to someone when money is involved. There is no phone number anywhere to call. So then thinking this must be a glitch I logged out and tried to log back in, which it won't let me without the same SMS code that it is sending to my landline. I tried to reach customer service again and it says to log in to reach them, which I can not do. Then I tried resetting my password - same thing, wants the SMS code, which I can not get. Spent the next hour trying every button on their help site to finally find another spot where I can email them, again 1-3 days. Well its been 1-3 days now, meanwhile I am unable to trade and losing money every minute. It is incredibly irresponsible to make changes to to their system without notifying their clients, they no where said the number provide had to be able to receive texts, and then they suddenly removed the email option with no warning. To compound this there is NO WAY TO REACH THEM! Impossible that they are in charge of people 's finances with no level of customer service. People need to know. They need to be fined/stopped/put out of business or something. I'm am beyond upset. Today Thursday and I have had no access to my account and money since Monday through no fault of my own. This is 2021 in America, impossible to believe that this exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: MD

Complaint narrative:
i try to buy i car when dealer pull my credit show an account dont belongs to me i call XXXX  XXXX XXXX talk to 4 different agent but not one were able to help also car expirian not luck as well

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX paid minimum online to CITI/Costco card. 
XXXX Citi payment bounced for full ( XXXX ) balance. 
Requested payment reversed. 
Spoke to supervisor and told wait 2-3 days for it to reverse XXXX citi lowered limit from {$9000.00} to {$500.00} XXXX called!! approximately 12 hours so far calling, dming, and chatting online with reps ... no help. 
Talked to branch, head teller conference call to Citicards.. no help. 
Talked to Escalation level 2 person today.

Told wait 4 days for a call back.

I have spent 12 hours talking to supervisors and cant get account fixed. 
They are charging me fees and increasing my rate from 15 % to 29.99 % As well as ruining my credit. 

My payment should have been & XXXX not $ XXXX Every time I call they tell me they cant help. I have local branch involved, supervisors and managers. 

This should be a simple correction not something that ruins my credit. 

They raised my rates in XXXX for being mere hours late paying ( one time!! ) My rate was 26 % since and I was just notified by a manager. ( I did not see anything on the online statement. ) So now Im XXXX over my limit due to a glitch or something that happened online that was not intended. 

I never thought something like this could happen. I have an infant and a family and have worked hard to get the credit rating that I have. 
I had 100 % perfect payment history with bureaus and now they have wrecked it and wont correct. 

They should be shut down. 
I have been on consumer affairs reading complaints and I am not the only person who has experienced such treatment. Many limits are being dropped immediately after payment. That would be ok if the payment was intended but when it happens after an error ..Citi should correct it. 

They are ruining my credit and costing me money. For what I feel is their mistake. 
We have been paying 13 years without issue. Then all of a sudden this string of events. It seems purposeful and directed at consumers in a criminal way. 
They can blame an algorithm while they ruin people. 

Im not going to go away. 
I will absolutely fight this. 

Please help.

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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
SPS is the 2nd lien holder on the home. After losing job and cant make payment, forbearance didnt work, so did a short sale. 1st mortgage XXXX, already approved the short sale. SPS has 100 % of the required documents for the short sale and they sad it is " processing '' and has been for over 2 months. They have a primary point of contact assigned by no one can get a hold of them. I have asked for 2 months to speak to supervisor, but no one ever calls. They claim they cant put one on the phone so they message the supervisor to call, but never do. No one can make a decision or communicate timeline or what we are waiting for

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