vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion on my XX/XX/2021 has balance of {$69.00} dollars and there is no balance owed to 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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX I went to the AmeriSave site to check their interest rates. The site requires that you enter basic information to to proceed ( Name, phone number and email address ). One of the screens specifically states that they will not do a hard pull to your credit and it will not affect your score. This was important to me because I am still several months away from purchasing. There was a section that has disclosures that I clicked through but did not read through all of them. I am assuming that these disclosures had a statement that they were going to do a hard pull to my credit because I received a notice from my credit service that stated that a hard pull was done. I then received a call from a rep from AmeriSave who confirmed that they did a hard pull. Since they boldly and specifically stated that they were not doing a hard pull and I did not provide my date of birth or social security number, I had no expectation that my credit was being pulled. I believe they intentionally deceive clients into moving forward in the process by burrying the credit authorization and making them believe that their credit isn't being pulled because many people, like me, would stop the process if I was aware that my credit was being pulled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: NJ

Complaint narrative:
In XXXX of XXXX I spoke with a representative from Sierra Pacific Mortgage. I explained my circumstances of having 2 tenants who worked in XXXX and that they were unsure of their job security due to the pandemic. I could not make the mortgage payments without the income from their rent. As advised by the representative and out of an abundance of caution, I decided on a forbearance for the mortgage. 
By XXXX, the tenants advised me they were secure in their places of employment and that rent payments would not be in jeopardy. I immediately contacted Sierra Pacific to attempt to remove myself from the forbearance. The process was time consuming and in vain. After many calls and hours of waiting on hold it was stated that the auto draft payments would be reapplied for XXXX and my forbearance payments would be deferred to the end of the loan. After XXXX I contacted Sierra Pacific at least on a monthly basis to be clear the auto drafts were not happening. I was told to make my payments manually as it takes time. 
It is now XX/XX/XXXX and I have have made every payment in a timely manner since XXXX of XXXX manually. I received my XXXX Mortgage Interest Statement form and the interest paid for XXXX was only calculated from the first 4 months of XXXX. I spoke with XXXX XXXX customer service and loss mitigation and was told I was still in forbearance and my last 6 mortgage payments were held as suspended. 
Several more hours being on hold and it was confirmed my forbearance was deferred as of XX/XX/XXXX. After repeatedly questioning how this happened I was given no explanation as to why this was never corrected and was just being forwarded to speak with a different department or supervisor. 
The issue has progressed as my mortgage interest for the year is only about a third of what was actually paid and this will affect me negatively on my taxes for XXXX. As of yet I have not been given a satisfactory response towards rectifying this error. It appears to be approximately several thousand dollars in interest that is missing from my 1098.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score is being reported incorrectly. I have a positive account with a credit card on XX/XX/2021 a payment was made on time there's no negative information and my score dropped 30 points when the balance decreased. The score is being reported incorrectly and my account is not being monitored properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion File number XXXX Dated XX/XX/XXXX page 3 of 12 has shown for the month of XX/XX/XXXX no balance or nothing showing but have me as 30 days late. I paid my balance off in full and it did not go past no 30 days. 
TransUnion has nothing for the month XX/XX/XXXX in the box as the rest of the year showing but every month going back for past 2 years show a balance or ) balance but for the month of XX/XX/XXXX there is nothing and is in error

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing today in regards to my account with CITI account # XXXX. The reason for writing today is in regards to the late payment which 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 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 2021-02-08 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PENNYMAC LOAN SERVICE ***** Opened XX/XX/2014 Balance {$170000.00} As a consumer, I have legal rights that are given to me to safeguard me from misinformation being announced on my own credit report. By now I need to produce a final demand for inspection before I speak with my lawyer for advice on how to handle inaccurate and unverifiable issues that are continuing to be validated as valid. Be sure you provide me along with a copy of the contract fixed or voice dialogue where I authorized billing me from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: MO

Complaint narrative:
This account has been notified of the fraudulent activity that was involved with the original creditor XXXX/XXXX ending acct XXXX.This creditor is harassing me with multiple shell agencies it owns to collect on a debt that is not mines Please delete this acct from all reporting bureaus immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: CO

Complaint narrative:
They reported all my accounts as 'Not Current ' in XX/XX/2020, yet I made payments in XXXX and XXXX that would have covered my XXXX payments. They show XX/XX/2020 as current. 
When I called to ask if I can make the XXXX payment they declined because I am not a current student. 
It does not make sense to me that they reported XXXX as not current and applied my payments to XXXX. 
I do not know but it seems that once they applied COVID-19 deferments things were incorrectly appropriated. 
I wished that I could have made the payment so that I would not have had such a detrimental decrease in my credit score causing me not able to refinance home loans and student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc.
State: NY

Complaint narrative:
Hello, I would like to appeal this denial. I did NOT authorize these 2 ATM withdrawals. 

- {$160.00} - {$160.00} After landing in XXXX I did use this card once for an ATM withdrawal of {$350.00} - I received the cash and walked away. Unlike American ATM 's which makes you take your card and then output the cash ( what I am used to ) this ATM keeps your card and allows multiple withdrawals without requiring to re-enter your pin again afterwards. 

Secondly I did NOT authorize these 2 purchases. 

XXXX XXXX XXXX Debit Card - {$230.00} XXXX XXXX XXXX Debit Card - {$240.00} After realizing I left my card within 5 mins, these two big purchases were made on my card. And from the looks of it hundreds of miles away. I froze the card immediately and I called right away and was told I had to allow the transactions to process and now am being denied my funds back. Both of these charges are abnormal and out of character for me and to reiterate, I did not authorize them. 

This seems very unfair that SoFi does not help their customers in any way in this matter and just sends an automated response with no information as to why my hard earned money is stolen and nothing being done about it. 

Please let me know what actions I can take to move forward on retrieving this funds back. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TD BANK US HOLDING COMPANY
State: KS

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

On XX/XX/2019, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written author ization 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 2021-02-08 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: LOGICOLL, LLC
State: GA

Complaint narrative:
On XX/XX/2021 I received a collections letter from Logicoll , LLC about an unpaid debt. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA Logicoll , LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
The past two weeks Ive had a rather simple issue with the stock trading app Robinhood that I can not get resolved through them. O XX/XX/XXXX I was abruptly logged out of my Robinhood app. Since I have been using the XXXX XXXX  recognition way of logging on, I had forgotten what my password is. Naturally I followed their instructions on the forgot password option where it asked for an email to send instructions to. I have tried that link now upwards of 30 times, even trying different email addresses and checking the spam folders and yet have not received any email to help me reset my password. I took it a step further to try and directly reach out to Robinhoods customer service. So I filled out a case ticket and waited for their response which came four days later and happens to be the last contact that Ive been able to make with them. They instructed me to respond with my email and phone number as well as upload the front and back of my ID to their secured platform. All three of which I had done within an hour of receiving that email. I have yet to be contacted or helped in any way whatsoever after that email. I have anywhere from $ XXXX {$6000.00} XXXX XXXX invested through Robinhood and I can not access any of it simply because Robinhood is not responding or even acknowledging me at this point and I have no other option but to reach out to you. If you could let me know what I need to do to access my money/account, or at least point me in the right direction of which could, it would be greatly appreciated, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One openly admitted on a call this morning, that the paperless statement reminder that I am supposed to receive has failed to generate, therefore I have not received any statement or statement reminder from Capital One. I requested they remove the late charges of XXXX for every month that I paid late from this error on their behalf. They said they can only remove one XXXX late fee, even though they've charged me at least 4 times since XX/XX/2020. 

My email address they had on file is correct, because like clockwork every month after the due date ( which I don't even know what day it is ), I get noticed that I missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
My BarclaysUS credit card account XXXX payment in the amount of {$3100.00} was mailed XX/XX/XXXX. The check cleared my credit union on XX/XX/XXXX but on XX/XX/XXXX I noticed that the credit card account balance still didnt reflect my recent cleared payment. 

The statement cycled XX/XX/XXXX so I was charged another month 's interest for the error and my credit report does not reflect the accurate account balance because of the error. I contacted Barclay on XXXX and they insisted that the 7 day check payment processing delay to review the missing payment didnt take effect until XXXX and that I should call back later. I called back on XX/XX/XXXX and opened a case # XXXX for the lost payment with employee XXXX XXXX XXXX. She informed me that the payment research team has 1 to 2 billing cycles to respond to my inquiry. A 67 delay to find a lost payment is unacceptable. 

I ask the CFPB to hold BARCLAYS US accountable to its customers in a reasonable amount of time and provide timely corrections with interest refunds, retroactive credit bureau corrections and punitive fines.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion has of my credit file on Personal information File Number : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX With no apartment number and it should have a APT this is not no address of mine and incorrect

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 2021-02-08 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:
I contacted this company on XX/XX/2021. Once again. I tried disputing this and it was not successful in addition, i found some inquiries on my credit report and it was unauthorized. I have reported this plenty of times and they have not removed it. On XXXX XXXX i found badcock furniture place, XXXX XXXX XXXX XXXX, and XXXX XXXX as a hard inquiry. As well as everytime i call to dispute this. it is always an issue. Wheareas the other credit bureaus have removed this fraudulent activity. Im getting tired of this company and a resolution needs to be made. I was told some documents that is needed to verify my identify and they have refused to upload this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a letter stating that there was a debt owed and that payment must be made or it would be sent to a 3rd party for collections.

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 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On Wednesday XX/XX/2021, I visited a PNC branch and sent an international wire transfer to relatives due to the Covid situation and related financial struggles. Two days later, the recipient bank requested an amendment, as the recipient 's account had to be a personal account rather than a business account. I visited the branch again on Friday XX/XX/XXXX at XXXX and provided the information for the amendment. I asked for any documentation to be able to track the transaction, but the staff at the bank said they had no receipt or otherwise. The branch employee and later the wire transfer department on the phone stated that an amendment takes 2-3 business days. I started calling the wire transfer department since the following Wednesday as the recipient bank reported that the money had been received, but not the amendment. Every time I called I was told that the amendment had been already sent, but they would not provide any explanation as to why it had not been received. On Friday XX/XX/XXXX I scaled up my complaint. On Monday XX/XX/XXXX I called the wire transfer department again to enquire about the situation, and ( after more than 6 business days and numerous phone calls to customer service ) the bank representative reported that the amendment had not been sent by the bank. In view of the delays, I used a different bank that got the money there in 1 business day ( so I have now had to effectively sent this transfer twice and will have to deal with reversing the PNC one ). The delay had serious consequences for my elderly parents at a time when they have been XXXX XXXX XXXX and unable to repay debts that I was going to help them with. A penalty is in order for PNC bank due to the detriment caused by its negligence. I was provided unprecise information throughout the process and the bank certainly did not comply with the 2-3 business days window stipulated ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I received an email from XXXX XXXX XXXX Mortgage on XX/XX/XXXX that my home mortgage loan was being transferred to Specialized Loan Servicing. XXXX claimed that the XX/XX/XXXX email was a follow-up email, but I did not receive any info about the loan transfer previously from them, nor have I received any info since that time. XXXX provided the name of the company where the loan was transferred, Specialized Loan Servicing, and a phone number to reach them. Although I've made numerous phone calls to SLS, each time I was put on hold indefinitely and I have still not been able to reach anyone there. There is no email address to contact them. The SLS website states that they could be contacted through XXXX and XXXX. When I clicked each of those options, it took me to " XXXX. '' I contacted XXXX on both XXXX and XXXX  and was told an agent would contact me, but I have not been contacted by any of their agents. I have received no correspondence at all from Specialized Loan Servicing or XXXX with any information about my loan transfer or how to make a payment. I tried to make a payment on the SLS website but was unable to do so because they have not provided me with an account number. As XXXX stopped accepting payment on XXXX, I am unable to make a payment on the XXXX website. My payment was due XX/XX/XXXX and it is now XX/XX/XXXX but I still haven't heard from Specialized Loan Servicing and I am still unable to make a mortgage payment. I'm wondering if they are intentionally not contacting customers so they can tack on a late fee and claim the payment was not received. This is absolutely ridiculous and unacceptable. I shouldn't have to reach out to SLS on XXXX and XXXX because there is no other way to reach them. I also shouldn't have to file a complaint with CFPB to get this issue addressed.

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