vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is about Citibank 's " New account opening '' process online, which poses a serious hazard to its banking customers in the unfortunate event, there is a bank run or financial crisis, as the consumer will not have any Citibank account details to file a claim with FDIC. 
The complaint is about Citibank NOT sharing the Account number immediately at the time of account opening, despite all verifications having been completed, T & C signed and account funded. Citibank proceeded to withdraw funds from customers funding account, but will not provide any details on the Citibank account to which it is posted. 

On XX/XX/2020, I opened a Citibank Checking and Savings account ( referred to as " Citibank Account Package '' ) on XX/XX/2020 using the internet via the following link posted on Citibank 's website " https : //online.citi.com/US/ag/open-cs-acct/index? formCode=deposit-ao & GS=IL & product_list=regular_checking, citi_savings & package=citibank_account & ProspectID=DA908B4B663E4463925A7CF970304571 & Promo_ID=4GZ7YTFGUDCVAT ''. 
The website took me through all the FIVE account opening steps, collecting personal information, ID verification, Employment and Income, Agreement & Disclosure. At the final step, after funds transfer was initiated, the website failed to provide me with my new Citibank ACCOUNT NUMBER. The bank proceeded to withdraw funds from my funding account the following day ( XX/XX/2020 ), but still did not provide any details on my new Citibank account. There was no electronic communication either with account number. I reached out to Customer Service on XX/XX/2020 and the Supervisor was not able to provide new CITIBANK account details. She stated I should wait for my debit card which is sent by regular US mail. After which I would need to register online to get my account number. 
This is a serious risk to its consumers if there were a need to retrieve funds for any emergency or in case of banking crisis.

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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I received a letter on XX/XX/XXXXadvising me that the Loan Depot had returned my {$750.00} bimonthly payment made on XX/XX/XXXX. Another one was mailed out on XX/XX/XXXX that has not been returned. The due date from my loan is XX/XX/XXXX. I acquired this refinance loan in XX/XX/XXXX and have been paying every two weeks since the first payments were due. I have never been behind and the monthly payment total due is {$1200.00}. I am remitting {$1500.00} each month by the due date in {$750.00} payments every other Tuesday. I contacted Loan depot in attempt to fix this and was advised they " Loan Depot '' would be happy to set up a payment of twice a month to come automatically out of my bank. I was told they will NOT accept a partial payment from me. I do not want the mortgage company to have control of my payments and when they are made. I do not understand why they can set it up internally yet, not allow it externally. I am actually paying an extra payment a year to principal on my schedule. This allowed me to budget my money and it has been a struggle during the pandemic with my husband working part time. They did not remit my insurance payment they collected from my escrow timely resulting in it expiring and me having to pay money down to keep it in effect until they would pay it. They finally paid it in XX/XX/XXXXwhen the insurance company billed them again. I continue to suffer severe anxiety due to the inability to structure my budget accordingly. I am the one paying the fees for failure to remit timely payments if they return the payments because it is not a full amount on the actual date. This must be against some law and fair practice. I would like any information that allows for me to make my payments and protect me and be sure they are paying my house insurance with funds they have collected. Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received a letter on XX/XX/2020 that my current mortgage loan holder, CIT Bank, N.A. had transferred my loan servicing to a new company : XXXX XXXX XXXX. They gave me only 2 weeks to change my XX/XX/XXXX payment which seemed fast but I made it happen. Given I had auto payments set up, the notice period seemed tight.

Then on XX/XX/2020, I received a letter from CIT Bank N.A. XXXX C/O XXXX , XXXX that my hazard insurance on my home expired. I have no lapse in my insurance and I never have. The letter threatens that unless I get them new information they will but insurance on my behalf and it " may be significantly more expensive ... ( and ) ... not provide as much coverage ... '' They will not except email communication and I was in their phone number tree several times and was unbale to get a person on the line to help. Only computer responses.

I believe this is predatory behavior. They have had my loan and proof of insurance for several years. In the handoff of servicing to XXXX XXXX, they either lost my insurance info or chose to ignore it and then threaten to replace it at their profit. This is a shameless profit grab and forces me to prove what I already had. They should not be able to assert I have no policy and then take actions to replace it at their profit. The should also make it easier for me to communicate with them. Shameful!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a client of XXXX XXXX at family options. I went for a evaluation for XXXX that cost XXXX . I did three hours of talking with her but did not do the rest. I asked to be charged as such and she agreed. This was on XX/XX/XXXX. I have been fighting back and forth with my bank about if they have refunded me or not. I cant get in contact with the company about what happened either. I got misleading information from both sides. This was done on my XXXX XXXX card, and the location/ merchat is XXXX XXXX XXXX XXXX options at XXXX XXXX XXXX XXXX FL XXXX. Her phone number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
On XX/XX/2020 I've sent Disputes regarding to those Unknown and Inaccurate on my credit report. Today is over 30 days but I haven't receive any response. 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 got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that 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 stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that 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 stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX TOOK ME TO XXXX XXXX I GAVE MY XXXX AND PITCURE ID TO SEND BILL TO MY INSURANCE, 2 OUR OF 3 BILLS GOT SENT by XXXX XXXX AND GOT PAID THE THIRD GOT SENT TO ME FOR {$360.00}, the hospital didnt know where to send bill to i didn't have an address at the time is the reason this is gone so long without any attention, I should have not gotten this bill in the first place., XX/XX/2020 called XXXX explained the delema XXXX called XXXX XXXX paid the bill i love XXXX XXXX. here is the hard part this bill that wasnt suppose to get to me it did and my credit report is now DAMAGED! i applied on 3 different days for a home loan i was DENIED! DENIED! DENIED! i HAVE TO WAIT 4 MORE DAYS UNTIL THE AGENCY XXXX XXXX XXXX COME BACK FROM VACATION.! I HAVE SO STRESSED OUT AND XXXX.Im upset i didnt get my home loan : ( : ( : (

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 2020-12-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I have tried 6 attempts over the last three months to get a replacement card, gone through the process, and was told I would have a replacement card in 10 days. I tried again today and still have been unable to talk to a human about my problem, it has all computer generated and I have been unable to talk to a representative of this company. I've had to lock my card and have been unable to use it because I need a replacement card.

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 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I CONTACTED THIS COMPANY 2 TIMES ALREADY IN THE PAST 75 DAYS AND THEY HAVE NOT GOTTEN BACK TO ME WITH ANY RESULTS OR INVESTIGATION. I CHECK MY CREDIT REPORT AND THERE ARE STILL ERRORS ACROSS MY ENTIRE REPORT. I TOLD THEM TO VERIFY ACCOUNTS AND THAT HAS NOT BEEN DONE AND ITS BEEN 75 DAYS THIS IS RIDICULOUS. I WILL ATTACH THE LAST LETTER I SENT THEM AND YOU CAN SEE THEY ARE STILL REPORTING THIS ON MY REPORT WITHOUT PROVIDING ANY RESPONSE. PLEASE HAVE THESE REMOVED FROM MY CREDIT REPORT THIS IS GETTING RIDICULOUS.

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 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital one approved me for a credit line XXXX on new credit card. I already have 2 other cards with them with XXXX and regular card. I have sent them my photo twice, my SSN card, TWO BANK STATEMENTS WITH MY CURRENT ADDRESS a statement with my mother 's information since she listed as authorized user AND THEY ARE ABLE TO REACH ME OMN MY PHN WITH THE # ON FILE WITH THE CARD and THEY STILL HAVE THIS ACCT RESTRICTED AS POTENTIAL FRAUD AND ITS BEEN WEEKS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: IL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2020-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I would like to lodge a complaint against a VA Mortgage lender. I have been dealing with one such lender since I applied in XX/XX/XXXX to refinance my current VA mortgage. I have had a VA funded mortgage for years originally with the XXXX XXXX XXXX, then with XXXX XXXX and currently with XXXX XXXX XXXX XXXX. My application to Freedom Mortgage Loan # XXXX was to re-finance at todays much lower rates. This should have been a pro forma refinance mortgage application as nothing has changed since our last mortgage. I was told to expect to close on my new mortgage on XXXX, XXXX. Since then I have been bounced around between them and their title company XXXX XXXX XXXX XXXX. The latter has unearthed an what they claim is an outstanding lien from the year XXXX with XXXX XXXX. That bank no longer exists nor does the lien. I have sent them a copy of the lien release but to no affect. 

Most recently Freedom Mortgage had informed me that it will now take between 30 and 60 days for XXXX XXXX XXXX XXXX to clear the title to my home of 35 years. How long to process the mortgage beyond that they wont specify. My home that has already been passed through three lending institutions since the date of this bogus XXXX lien. Im helpless to anything more than produce a lien release since XXXX not longer exists. 

This has caused my wife and I more than an inconvenience, we have been made to pay thousands of dollars in unnecessary interest payments while we have been shuffled around between various members of their ineffectual staff with no end in sight.

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 2020-12-29 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX , OH XXXX fraud charges that never was handled - tried to get removed didnt happen by XXXX or credit companies

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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX I contacted AmeriSave Mortgage. I was contacted by an agent by the name of XXXX XXXX and proceeded to fill out their online documents and provide them my credit rating from all three agencies. I paid them {$500.00} to have my home appraised in my attempt to refinance.I was told I would receive a rate of 2.5 % fixed fee with no points and that my total " all in '' would be you approximate {$4000.00}. 

I was attempting to refinance my home with the maximum amount available, {$520000.00} at the time, without becoming a balloon type of loan. My home appraise for more than four times that amount. All credit bureaus reported excellent credit. I've lived in my home for 20 years.I showed other assets capable of playing the loan at any time. 

We are now moving into XX/XX/XXXX I have yet to receive a locked-in rate or closing date for this mortgage refinancing. 

I am concerned that this is nothing more than a boiler room operation marketing itself as a " digital mortgage company ''. I became concerned in XXXX when I had filled out all the documents only to be asked for the same documents. 

I contacted XXXX XXXX and asked him what the delay was. He indicated he didn't know but his computer told him it was something to do with the title and he would get back to me. He never has! I've since asked for my {$500.00} back. I have not heard anything concerning that request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: AR Resources, Inc.
State: PA

Complaint narrative:
There is a collection account on my credit from XXXX XXXX XXXX XXXX. I was charged for a course I never took.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Santander Consumer USA Holdings Inc.
State: NY

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, SANTANDER CONSUMER USA 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 add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n 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 2020-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
i overpaid my acct, call few weeks ago they where supposed to send a ck

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