vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
LOAN ID # XXXX I would like to share with you and file formal complaint regarding my experience during refinance with Citizens Bank. 

I started my application online around XX/XX/XXXX. On XX/XX/XXXX, I received welcome letter, and on XX/XX/XXXX, I received Loan Estimate. Considering I provided all necessary documents and permission to run my credit report before XX/XX/XXXX, but still Loan Estimate took up-to XX/XX/XXXX, to be issued, which is already in RESPA violation. 

My initial loan officer was XXXX XXXX, who periodically called me with assurances everything is going smooth, and we are on schedule to close soon. Since day one, I was sending emails, made calls with request to order immediate subordination of my HELOC loan, and order the CEMA. I new those two documents may take from 6 to 8 weeks to get. But my loan officer told me everything is under control. 

In the beginning of XXXX of XXXX, I started to leave voice messages and sent emails requesting with the status update. To my surprise, my loan officer already left Citizens Bank and join another bank. I never got any notifications who will handle my loan. 

I finally manage to get his manager XXXX XXXX, he also assured me that new loan officer assigned, and will give me loan status by the end of the day. That was on XX/XX/XXXX, as of today, XX/XX/XXXX, I am still waiting. 

It is impossible to get anybody on the phone, and even public number for corporate headquarter is not working. 

I found this very strange and annoying the way to treat customers. 

In addition, I am XXXX XXXX XXXX, and feel I got age discrimination and unwillingness by Citizens Bank to provide me with the services and new loan approval. 

This Citizens Bank employees misconducts create me financial burdens since I am still paying higher rate. In addition, if they would not be able to close my refinance I will have financial damage over {$150000.00} due to my current rate, new rate I was quoted, and terms left on my current loan. I am strongly feeling this misconducts may have legal consequences, and should be answered appropriate. 

I am requesting Citizens Bank to provide me following information : 1. Date when subordination agreement was ordered ; 2. Date when CEMA was ordered 3. Point of contact who can provide me with weekly status update I hope my experience will be addressed properly, because I do not believe any customers deserve this. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Mercantile Adjustment Bureau negligently inserted an inaccurate, unverifiable, erroneous entry on my credit reports. In XX/XX/2021, I obtained a copy of my credit reports and noticed that this company has inserted an entry on my reports. However, I had never received any correspondence from them such as a dunning letter nor have I ever had a conversation with this company. Upon discovering this entry being added to my credit reports, I immediately disputed with Mercantile, ( see attached ). To date, I have not received any correspondence from this company. In my efforts to resolve this error and negligence on their part and to have it removed from my reports, I am requesting this entry be deleted immediately from the fact that Mercantile Adjustment violated my consumer rights. 

The entry on my reports reflect that Mercantile Adjustment reported this entry XX/XX/2021 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: TX

Complaint narrative:
On XX/XX/XXXX, I was approved for a personal loan with Lending Club. I began making my monthly payments of {$730.00} on time from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I requested to defer my payments due to loss of hours and it was approved until XX/XX/XXXX. On XX/XX/XXXX I sent a new request to defer my personal loan due to decreased hours at work due to COVID 19. That request was denied. I called once again in XXXX to request a deferment due to loss of hours again related to COVID 19, and my spouse 's loss of income due to separation from the military. I was again denied. I continued to try to make any payments that I could- XXXX {$500.00} XXXX {$730.00} XXXX {$500.00} XXXX {$730.00} XXXX {$1000.00} XXXX {$800.00} XXXX {$1000.00} Prior to COVID-19, I have not had any issues paying the loan. As a result of my inability to pay, my credit report reflects 30-60day late payments, and has drastically decreased my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet, has reinstatement my loan without any notice or any right to appeal. Nelnet, has not re-disclosed my terms of the loan. Nelnet, has not fully disclosed terms under Reg Z. Nelnet has violated the Americans with Disablity Act by reinstated my loan againist the doctors order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I owe a debt on my Care Credit Card which is a credit card used to pay for healthcare. I do not have the money to pay the debt and I have verbally stated this to them via phone call. The debt collection agency is through Synchrony Bank. 

I have received 3-7 letters over the past two weeks and 7 calls a day for the past two week regarding this same issue despite having detailed my issue.

This is harassment. I have already stated I can not pay, i have acknowledged that I was notified of the debt and yet they continue to call me 7 or more times a day from XXXX XX/XX/XXXX- XXXX 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 2021-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
In XXXX my old mortgage company XXXX XXXX XXXX, XXXX sold my current mortgage loan to Freedom Mortgage Corporation. Freedom notified me by mail that all future payments would be made to Freedom Mortgage Corporation, and they provided me with a new account number. They never indicated whether my payment date was changed from the XXXX of each month. With the new account information they provided, I created an online profile for Freedom and linked it to my XX/XX/XXXX account. I began making all my Mortgage e-payments to Freedom as agreed at the end of each month. On XXXX XX/XX/XXXX, I applied for an auto loan with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX, and I was denied financing for the total amount. I received a letter in the mail from XXXX stating the reason why I was denied. It said, Credit bureau report shows delinquent credit references, which was the reason for disapproval. I immediately pulled a copy of my credit report and checked it for inaccuracy. Freedom Mortgage reported two late payments to the credit bureaus dated XX/XX/XXXX and XX/XX/XXXX. I contacted Freedom disputing department and inquired about it. I informed them that this discrepancy was completely inaccurate based on all payments made by me on time and processed by my back XXXX. After a review with Freedom, who looked at my payment history from XXXX to XXXX. Freedom concurred that no payment was ever missed on my account. Freedom also permitted me to refinance my loan with them in XXXX for a better Annual Percentage Rate ( APR ) because my account was in excellent standing. Additionally, in XXXX of XXXX, they also offered me a reduction in my mortgage rate, which I took full advantage of. This account is currently closed because of my refinancing with Freedom. When I respectfully requested that they removed the late payments, their justification was, the payments were late, and due to the fair credit reporting act, they can not remove them. They informed me it must stay on my credit file for the entire seven-year duration until it falls off. Any help that you can provide will be greatly appreciated. This blemish has impacted my credit score and caused me to be subjected to financial bias.

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 2021-03-24 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: OH

Complaint narrative:
I have expressed my concerns with synchrony bank along with equifax and experian about this fraudulent account that is on my consumer report and each company refuses to delete the account from my consumer report. Even after i sent all the proper documentation including ftc identity theft affidavit. Furthermore not only does the synchrony bank trade line not belong to me they are reporting inaccurate information as well reporting a balance of {$4000.00} to equifax and reporting a balance of {$4100.00} to experian that is proof that this company is reporting inaccurate information. Disregarding federal law that all information reported to a consumers credit report should be 100 % accurate i demand that this account is removed immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: OH

Complaint narrative:
I have expressed my concerns with synchrony bank along with XX/XX/XXXX and experian about this fraudulent account that is on my consumer report and each company refuses to delete the account from my consumer report. Even after i sent all the proper documentation including ftc identity theft affidavit. Furthermore not only does theXX/XX/XXXX trade line not belong to me they are reporting inaccurate information as well reporting a balance of {$4000.00} to XX/XX/XXXX and reporting a balance of {$4100.00} to experian that is proof that this company is reporting inaccurate information. Disregarding federal law that all information reported to a consumers credit report should be 100 % accurate i demand that this account is removed immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian has been stalling and not investigating the disputes about my credit report. I repeatedly receive the same computer-generated report each time I ask them to provide verification and address specific information. They ignore each request with a computer-generated response. They claim in their automated response that they verify information but that's not true because inaccurate and incomplete information is still being reported on my credit report. There are several violations that they fail to address or correct. For example, On one creditor it is reported 23 times that the account was charged off. One account can not be charged off 23 times. This similar situation is reported on other accounts. 11 charge offs for the same creditor, 21 times charge offs are being reported for the same creditor. More and more of these appear on my report. There is missing payment history that doesn't line up with the reported data on the report. Missing information. Balance histories that are not accurately reported. I have several accounts and each creditor is reporting wrong dates. Wrong information in the comments. I tried going directly to the bureau but this has gone on for months and now I'm upset. It has damaged my credit and I'm paying higher fees and interest because of their negligence and unethical practices when it comes to the consumer and reporting information. This isn't right and an attorney should look over this report and what they are doing.

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 2021-03-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
All 3 credit bureaus have remarks on my report that Ive been 60 days serious deliquincy. I have never been late on any of my accounts in over 5 years. I have tried to dispute this remark with all 3 credit bureaus but have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX in regards to a vehicle that was reported to Allied Collection on XX/XX/XXXX. After providing the VIN of the vehicle, at the request of the representative, there was no record of the vehicle at XXXX XXXX. I contacted the DMV on XX/XX/XXXX and it was confirmed that the vehicle registration was surrendered in XXXX, the same time the vehicle was returned to the car dealership. The representative advised me to satisfy the debt but was unable to provide information on the account. Due to a lack of data, I am requesting the removal of this account from my credit report.

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 2021-03-24 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: U.S. BANCORP
State: UT

Complaint narrative:
US Bank is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed this late was reporting on my credit file. I have had an account with US bank for a very long time now and have never received a late on my account before. I have been a very loyal customer and have yet to be tardy. I did notice a late reporting for the month of XXXX in 2020 and I was simply never late. I made the payment and not only that, I never received any calls or notices if my account was ever past due. Please remove the late 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 2021-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
My federal loan is serviced by the XXXX XXXX XXXX XXXX XXXX through a website they run called myfedloan.org. In the past I've often used the Payment History feature to track how much of my payment was going to the principle on my loan versus interest. Recently I noticed that the Payment History feature has been removed from the website and there is no way to view the payments I've made. When I called customer service to ask about this, the representative informed me that the feature has been removed from the site and that he didn't know why. He told me all payment history requests have to be done manually now, by sending me a statement in the mail in 7-10 business days. This is highly opaque and predatory behavior on behalf of a state agency tasked to not only collect payments but also to support student loan holders with resources and information in their odyssey to be debt-free. This policy makes it onerous to view payment details and I can not believe it's legal for any financial institution to do this. As it is now, I will continue to call in and request a mailed payment history every time I make a payment, which is a complete waste of the government dollars used to fund this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Debt with XXXX was paid off back in XX/XX/XXXX. 
They advised as soon as the debt was paid in full the account will no longer reflect on my credit. I have sent them numerous request to delete the tradeline and they have been unresponsive since XX/XX/XXXX. Per law they have 30 days to respond to my dispute and they have failed to do so, document attached shows no update status since 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 2021-03-24 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:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the Target Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX  XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of 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 2021-03-24 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 has been stalling and not investigating the disputes about my credit report. I repeatedly receive the same computer-generated report each time I ask them to provide verification and address specific information. They ignore each request. I have yet to receive their Method of verification or anything about how they verified the accounts and information. There are several violations that they fail to address or correct. For example, On one creditor alone they reported 19 times that the account was charged off. One account can not be charged off 19 times. Payment histories with the wrong codes. This similar situation is reported on other accounts. There is missing payment history that doesn't line up with the reported data on the report. There is missing information on my report. Balance histories that are not accurately reported. I have several accounts and each creditor is reporting wrong dates. Wrong information in the comments. I tried going directly to the bureau but this has gone on for months and now I'm upset. It has damaged my credit and I'm paying higher fees and interest because of their negligence and unethical practices when it comes to the consumer and reporting information. This isn't right and an attorney should look over this report and what they are doing.

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