vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have been a long term customer with Citibank. I currently have a mortgage with them through XXXX which is controlled by Citi. After receiving literature offering refinancing options and I submitted an application. The mortgage refinance process with Citibank began at the end of XX/XX/2020. The fees were paid, paperwork completed including providing all requested documentation, the rate was locked in on XX/XX/XXXX. 

The loan was provisionally approved XX/XX/XXXX, at which point a few additional items were requested and provided back to Citibank within several business days. 
Citibank then requested additional documents on XX/XX/XXXX, provided back to them by their deadline of XX/XX/XXXX. The rate was locked til XX/XX/XXXX ; the packet ( as they indicated ) was sent to underwriting. The closing was scheduled for XX/XX/XXXX Since that time, Citibank continuously requests additional information for example, my pay stub three times ( no change in employment since qualifying for the initial mortgage ). The closing date consistently changes ( at least six times ) a significant amount of my time has been wasted through follow-up and the 6+ months of paying a higher monthly mortgage rate. 

Most recently, an additional request for information and documents already provided was sent on XX/XX/XXXX and submitted again. Citibank sent an approval letter on XX/XX/XXXX. The next closing date was set for XX/XX/XXXX which matched the new rate approval expiration date. On XX/XX/XXXX, a message arrived that the closing would be rescheduled for XX/XX/XXXX at XXXX XXXX. A draft of the closing disclosure was sent on XXXX XXXX which confirmed the closing date of XXXX XXXX with a rate lock extension now to XXXX XXXX. I heard nothing and finally wrote to them on Friday, XXXX XXXX. A few hour later a text message arrived from the title company which indicated a person would drop by my home to sign the paper work. However, 30 minutes before the closing the the agent from the title company telephoned that they did not receive the paper work from Citibank and hence the closing was canceled. 

Citibank has cornered me because theyve collected my fees upfront, now there is a tax on all refinances in XXXX. My monthly mortgage payment is higher than the refinanced rate, and the amount of time spent on this transaction is beyond reasonable. In fact, their unprofessional behavior and consistent inability or desire to resolve these issues should be addressed and remediated. They have every incentive to continue with this behavior without penalty since they financially gain from the delay. I look forward to you looking into this and helping protect consumers against fraudulent behavior that causes financial and emotional stress.

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 2020-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used capital one Earn Credits for Shopping programs and created a shopping trip to XXXX on XX/XX/2020. I do not recall when exactly I created that trip. I made the madewell purchase on XX/XX/XXXX roughly in the morning and assumed that I would receive the 10 % statement balance as promised on the XXXX earn credits for shopping. However, when I went back to capital one offers section after I made the purchase, the madewell button was not there around XXXX in the afternoon. So, i wondered if my madewell purchase would qualify or not, so I called in capital one customer service. First call was terminated probably due to bad signal. Customer service folk from credit offers dept named XXXX answered the call around XXXX. He looked at my account and told me he doesnt know when this madewell offer expires and has no information to know if my purchase from XXXX is qualified for this offer. So I asked, if a capital one specialist doesnt know if my purchase if qualified, how can I know if the system traced/ recorded my purchase right. He said, a customer is supposed to finish the purchase soon after he clicked that offer button and as long as the purchase is done within 24 hours of the offer. I said, I didnt know if the offer expires first or the first click went first. My capital one account does not provide this information and thats why I am calling. Im not supposed to know every websites I clicked and its unreasonable to require a customer to know when he clicked a button. The capital one system does not offer that information and it needs to. He began to argue with me and got very impatient with me. Some of the words he used and his comments were quite insulting. His attitude became very unbearable, and said he needs to hang up on me if I kept talking. I knew that the conversation became heated and it went no where, so I asked what his employee ID is, what his name is, and he said he cant give any of that information to me. In general, I didnt expect to get hammered for asking information I am authorized to know. Capital one please investigate the offers section and this employees problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-29 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: V and H Portfolio
State: AZ

Complaint narrative:
VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. You cant place something on my file before you allow me 30 days to dispute! This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT CORRECT ^^^ADDRESS, REMOVE ALL ADDRESSES ABOVE ^^^ XXXX XXXX XXXX Closed. {$530.00} past due as of XX/XX/XXXX. 
{$8300.00} XX/XX/XXXX Recent Payment XXXX XXXX XXXX NEVER LATE XX/XX/XXXX XXXX XXXX XXXX Closed. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to get XXXX removed from my Transunion and XXXX credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXX also per the law any debt over 7 years old should be deleted from the credit report. I want XXXX to remove both loans from my Transunion and XXXX 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 explanation
Consumer complaint received 2020-11-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying to get XXXX removed from my XXXX and Experian credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXXof XX/XX/XXXXalso per the law any debt over 7 years old should be deleted from the credit report. I want XXXX to remove both loans from my XXXX and Experian 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 explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Sallie Mae has over 3 accounts showing closed on my cras with incorrect payment records that are adversely affecting my credit scores during a pandemic. The CARES ACT was supposed to help but sallie Mae refuses to remove the old closed accounts or remove the late payment statuses

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am trying to access my Credit report on Equifax. Their website fails repeatedly and does not provide any reason why they can not process my request. 

I am able to get the credit reports from XXXX and XXXX. However equifax website fails as if it was designed to make customers unable to access their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX I have called Pentagon Federal Credit Union and requested closure of my savings account and closure of my credit card account. The savings account at the time had {$5.00} surplus or positive balance and customer service representative has assured me that I will receive check in the mail for {$5.00}. The credit card account had {$0.00} balance at the time and there was no pending transactions, by the way, I have not used the credit card for weeks. Today, on XXXX PenFed has sent me three different emails informing me that in the future I will be charged {$2.00} for paper statement they will send by regular mail for the savings account and {$1.00} for paper statement they will send by regular mail for the credit card account. The third email is about discontinuation of the electronic tax forms. 
PenFed has no rights to charge customers any fees for mailing the very last statements when customers close the accounts in good standing. These three emails may be sent in error by PenFed but I am still taking it seriously by the huge financial institution to my consumer well being.

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 2020-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
About a month ago, I received notification from Citizens One Home Loans that my COVID-19 loan forbearance plan was ending. I logged on to the loan servicing site, where I requested an extension of the forbearance period due to continued hardship, as is detailed in the CARES Act. Today, XXXX/XXXX/20, I received a letter stating that I am behind on my payments and required to pay over {$5000.00} by XXXX. When I first filed for forbearance, the request was processed immediately. Now, after several weeks, the servicer is displaying a message that my request is " under review. '' I believe that the servicer has deliberately delayed my request as an attempt to pressure me into paying the entire amount, even though the CARES Act states that I can extend the initial forbearance period for up to another 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: IN

Complaint narrative:
Below is your response to my previous repeated complaint : We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, XXXX XXXX # XXXX is currently not reporting any late payments. Please be advised, we store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly. 

In my complaint nowhere did I ask if XXXX XXXX still showed me as delinquent. Yet for some reason you went forward with telling me something I never brought up. 

My complaint was : No corporation, no entity, no individual, no groups of individuals, no DBAs, no limited liability companies, every gave TransUnion a report, a document, a form, a transmittal, a fax, a email, or anything stating I was delinquent on a thing. 

Yet TransUnion created a report, made that report public, where the report stated I was delinquent. 

Why?

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 2020-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
The Chime Bank account they say I have was overdrawn and i never had one the only account i have is a XXXX XXXX That you can get and load at a XXXX. 
THIS WAS OPENED DUE TO A DATA BREACH OF MY INFORMATION FROM ETHER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I have sent Contract Callers Inc a letter requesting validation of a debt they claim I owe. I asked for a contract bearing my signature agreeing to pay the debt. Contract Callers Inc sent me a letter and statements showing no proof or contract with my signature agreeing to pay the debt back. If they was able to get a statement from the original creditor than they should be able to get a contract as well. Therefore this debt in not valid and must be removed imminently. I offer to pay for deletion if they were able to prove this debt was mine and heard no response from Contract Callers Inc. please delete this account as soon as possible

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 2020-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Orions Management Group, LLC
State: TX

Complaint narrative:
Orions management group has been calling me my family members and myself repeatedly since XX/XX/2020. They are also calling my place of employment even after I asked them to stop. They have asked to speak with my supervisor and were very rude to her.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
Nca opened TWO collections account on my credit reports in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Nca has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Nca. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company is dodging their duties and telling me that my complaint wasn't sent by me. I am submitting the letters along with a selfie of myself holding my ID to verify my identity.

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 2020-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/2020 ( XXXX XXXX ) I was told by Chrysler Capital that {$1900.00} was my total balance and that by paying that they will be free of debt and they will close my account. It turns out now they are trying to charge me more money and reporting even a bigger balance to the 3 Bureau Credit Score. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-29 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Lvnv opened a collections account on my credit reports in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( XXXX dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Lvnv has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Lvnv. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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: TX

Complaint narrative:
My correct address is deleted FCRA violation please see attached document FCRA VIOLATION. Correct right address is : XXXX XXXX  XXXX XXXX, TX XXXX and remove wrong address below or pay me {$1500.00} PER violation accordance to FCRA law. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX << -- - NOT Correct address. 
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3800.00} Date OpenedXXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1500.00} Date OpenedXXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$430.00} written off. {$430.00} past due as of XX/XX/2020. 
Account TypeUtility Balance {$430.00} Date OpenedXXXX

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 2020-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MN

Complaint narrative:
Contacted through both XXXX  and XXXX  and XXXX as varified with no explanation. I dont live in Florida nor have i received anything verifying this is my debt. Asking for this collectins tilo be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed an Item XXXX XXXX account ) on my credit report three times XXXX XX/XX/2020, XX/XX/2020, and XX/XX/2020 ) with no acknowledgment or confirmation from the credit bureau as to why this item is on 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