vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello : Every month, CitiBank ( CitiCard ) takes {$20.00} out of my checking account. 

However, they can not tell me which account it is for, or how I can pay it off. 

It does show in my credit reports, and my bank has verified that it is Citi that takes out money, but Citi just does not have any record of me. 

I know the last 4 digits of the account, the amount taken out, and when the account was opened. 

I want to pay off the credit card ; that is holding me back from qualifying for a residential mortgage. 

I have contacted Citi a dozen times ; each time waiting for 20 minutes or more, and nobody can tell me anything about this account.

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 2020-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Ascendium Education Group
State: CA

Complaint narrative:
I co signed for a student loan, now I have 5 different loan agencies reporting 5 different loan amounts. 
Original loan was {$8.00} now it's {$94.00} How is this possible??

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I applied for a VA IRRR on XX/XX/XXXX and locked my interest rate at 2.625 % with a loan discount fee of 0.00 %. I estimated the value of my home at {$280000.00} due to having a recent appraisal completed with an effective date of XX/XX/XXXX. The lender ordered an appraisal even though, as I understand it, when discount points are not charged, a value determination is not required. ( VA XXXX XXXX, Exhibit A ) The Exterior-Only valuation, ordered by the lender, gave a value of {$270000.00} ; which I completely disagree with. I provided the lender a copy of the XX/XX/XXXX appraisal and a list of reasons for disagreeing with the value of {$270000.00}. ( see below ) The appraisal is absolutely ridiculous. So the appraiser is telling me, with property values Stable, Demand/Supply Shortage and under 3 mths marketing time.. He said, Demand is out-pacing supply, the value of my home has declined {$10000.00} in less than a year. WHAT? Thats absurd! 

I do NOT live in a Rural neighborhood. 

His low/high/predominate value is WAY off. 

The effective age of my home went from 5 yrs to 10 years in 11 months? 

Comp 2 is a 3 bedroom home. If you were in the market for a family home, would you consider a 3 bedroom home and a 5 bedroom home comparable? 

Comp 1 is well over a year old. If he were going to use 1 year old comps, why didnt he use XXXX XXXX XXXX XXXX? It directly compares to my home in square footage as well as bedroom count and sold for {$290000.00} Comp 4 is ridiculous ; old sale and on the market for 2 days as compared to all the others ; 96 days, 38 days, 110 days and 66 days. Was it a distressed sale? 

Ive attached my old appraisal for comparison. 

On XX/XX/XXXX, I received a new Loan Estimate that reflects the value of {$270000.00} and shows added discount points of 1.875 % ( {$5200.00} ). 

It is my understanding from Circular 26-18-13, Exhibit A ; A loan-to-value determination must be made when discount points are charged. When discount points are not charged, a value determination is not required. 

This lender originally locked my interest rate with no discount points, therefore, according to VA Circular 26-18-13, Exhibit A, a value determination is not required. I contacted the lender disputing the need for a valuation and disputing the value of {$270000.00}. I was told that " a value dispute almost never works '' and they'll try to find a way to increase my credit score above 700 so they can approve an above 100 % LTV loan. Now that the valuation that they have ( which I do not agree with ) reports a lower value, they are using this excuse to charge me an extra 1.875 % ( {$5200.00} ). 
I feel that this is nothing short of extortion. They ordered an unnecessary appraisal and are using the low value to extort another {$5200.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
Cosumer portfolio Svc XXXX XX/XX/2016 {$13000.00}. This accounts is an result of fraud. please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: HI

Complaint narrative:
Experian need to remove this fraudulent account. I file identity theft report, sent letters and call. I requested Mov many times

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 2020-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am trying to refinance my first Mortgage to reduce my interest rate only, no cash out. My new lender ( XXXX XXXX  XXXX ) sent USBank a letter of Subordination as we have a HELOC with USBank including personal checking, savings. The Heloc was opened end of XX/XX/2019. And it has a current credit limit of XXXX. The balance is about XXXX. USBank is refusing to do the subordination for my refinancing unless I agree to pay down the Heloc with a new limit of {$47000.00}. My home has not changed, the amount of my mortgage and Heloc has not changed. The reason they state is that the new home appraisal for the loan is less than at the time if the Heloc. Of course the entire market is depressed. I dont know why they can not just allow the subordination as is with the current Heloc. I have been trying to pay down the Heloc and this reduced refinancing rate would allow me to pay off USBank faster. This matter is the only thing hanging up my refinance. My lender and I have tried multiple times to discuss this case with the mortgage department without them budging. This is not costing USBank anything to submit this subordination as originally sent. This is usually a curtesy thing with refinancing a first mortgage. I am a long standing customers of US bank. In the past I have had and payed off other Lines of credits and loans. I have a good credit rating with no defaults on loans and no bankruptcy. I do not know why USBank is making this an issue. USBank knows I dont have {$40000.00} in the bank to pay them. If it wasnt for the pandemic, my home would have been the same or increased in value. My husband and I are working and I am a first line responder. The people we have talked to at US Bank are : XXXX XXXX, XXXX XXXX, XXXX 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 2020-06-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens Bank in XXXX began this process after I was referred to them by XXXX XXXX Loans. I don't know why they referred us, as when we put a deposit on the new construction condo in XXXX, XXXX was the preferred lender. 

Closing was to take place this Monday, XX/XX/XXXX. The main loan agent XXXX XXXX XXXX, NMLS ID # XXXX, has been unreasonably delaying the approvals for this loan. I have been asked to provide the same financial documentation numerous times throughout this process. 

Mr. XXXX has told me that XXXX XXXX is his supervisor. Then he got someone on the phone they identified as XXXX XXXX as the department supervisor. Whoever the gentleman was XXXX got on the phone gave me a bogus telephone number to call him back. This was this morning. 

I am reasonably certain throughout this process I have been lied to several times. 

I was told that Mr. XXXX had several loans approved for this building. If that is the case, then I can only assume the road blocks he keeps throwing in the way of the closing are the result of anti-gay bias. I will also be filing a complaint with the appropriate agencies on that front. 

Today, I also emailed the Chairman of the bank, XXXX XXXX XXXX. I have yet to hear anything back from anyone. Therefore, I will also be filing complaints with the OCC and the CFPB. 

Please not that I am the owner of a financial institution myself and I have never made this type of complaint against anyone. I take these kinds of matters very seriously. 

XXXX XXXX and XXXX XXXX should NOT be allowed to continue in this work if they so obviously treat customers, and especially gay customers with this kind of disregard. 

I do assume they think this is funny - to delay my closing as much as they can and see how upset I become. 

Please also note that every item they required to move the loan to underwriting was uploaded to the bank 's secure portal as soon as it was requested. And yet, multiple requests were made for the same documents. 

Please let me know what additional information I can provide to investigate this complaint. I know this will not help my loan get cleared to close any sooner ; however, if this is systemic, the bank should be investigated as well. 

This is deplorable. 

Please note, if necessary, I have copies of every email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: LA

Complaint narrative:
Global Lending Service XXXX XX/XX/2016 {$2300.00} This account has caused me financial ruin. this account is fraudulent, and inaccurate. Please review the debt reporting act. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: AZ

Complaint narrative:
I contacted XXXX when I noticed this acct opened in my previous name & SSN. I filed a dispute with Experian & XXXX  & also a fraud report. THIS IS NOT MY ACCT! I want it off my credit report along with the XXXX & XXXX XXXX hard inquiry that I have disputed twice now!

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 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I was under the impression that a medical bill through XXXX in the amount of {$300.00} was on an automatic payment plan and so I had not paid the bill off manually like apparently was what I had to do. I was not aware of this, and thought I had set up a payment plan where XXXX would automatically take money out monthly. This was not the case, I was meant to pay it manually each month but was not aware of this, so the bill went unpaid. XXXX then sent my bill in the above-referenced amount to a debt collecting agency called USCB , Inc . I was not notified of this by either XXXX or the debt collection agency. When I got a notice of a the past due bill, I immediately called XXXX on XX/XX/20 at around XXXX to try to figure out the issue. They stated they had sent the bill to the collections agency called USCB, Inc. in XXXX XXXX, CA. 

I called USCB immediately after on XX/XX/20 to deal with the bill and pay half of it upfront. When I called USCB, they notified me that there had already been {$12.00} ( roughly ) accrued in interest on the bill, even though they only had it for several days, according to them. I asked them how they can possibly charge people interest on a bill that the person responsible for paying it did not know it existed in a debt collection agency? I have not received a single piece of mail, not a single email, and not a single phone call that my bill had been sent to debt collectors, and now, it was already accruing interest. This is extremely shady to me. How can you collect interest on a bill that you were never notified you owed on? I had no idea this bill was sent to the debt collection agency USCB and they were now trying to demand that I pay interest on this bill I never knew existed there. 

This seems extremely illegal to me. This company should have to notify people when they have received a bill IMMEDIATELY, and take action to make the person responsible for paying the debt aware that they have the bill and that they are accruing an absurd amount of interest every day. I would like this to be looked into. How many people have gotten scammed by this company thinking they are responsible for interest on a bill they didn't know they owed on? How is this legal? I would like to start here first and would consider contacting an attorney to uncover whether this practice is legal. I am disgusted by this company 's shady practices and am lucky that I am not afraid to demand explanations but others may have no idea it is their right to dispute such a charge. I would like the CFPB to look into this company and whether the practice of not alerting people that they have their bills while accruing interest is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all XX/XX/2020. 

The 1st done on XX/XX/2020 is from Roadloans.co? 
2nd XXXX- XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
.19 Loan {$10000.00} for a used vehicle, XXXX XXXX, XXXX, Navy Federal Credit Union, XXXX VA. 

I am a XXXX XXXX XXXX XXXX 1st year in the XXXX purchase my first car on the subject date from NFCU. 

NFCU approved the loan, wrote the check out to the seller for the full amount. I did not know the process at the time, NFCU did not run a title check or at least I don't think they did so this loan was not in good faith and they did not act as an agent on my behalf, they seemingly did not care this large loan was being approved for a XXXX XXXX XXXX without a driver license and no title to the vehicle. 
I was told to get the title and bring it to them in 30 days. 

When I recently went to register the vehicle there is a lien already on the vehicle per State of VA XXXX as a result, I am stuck with a {$10000.00} loan, no title and a car I can not register or use. I am getting ready to exit the XXXX, however, I have a {$10000.00} loan I am responsible for. Since I could not get the title which NFCU already knew or should have known about, they change the loan to a consumer loan and increased the interest rate which leaves me struggling to pay for a vehicle that is no use to me. 

In addition, when I tried to check on the loan process, NFCU gave me an appointment XX/XX/XXXX. 

I believe NFCU did not act in good faith nor on my behalf as a young inexperience buyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Attempting to refinance a modified SAM loan of my primary residence. Requested a payoff quote, submitted all documentation and appraisal that were requested. Mortgage company will not give me a payoff quote, they have TRAPPED me and are not allowing me to payoff loan and get out from under their control. 
This is costing me thousands of dollars and preventing me from buying another home. 
I've called and called, spoken to five " escalation specialist '' and nothing is happening. 
XXXX and PHH Mortgage are dishonest. I want to payoff the loan and get out from under them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This is a scam against consumers during the early stages of covid19. I applied for refi with Loan Depot on XX/XX/XXXX, however due to lack of response and service from the loan officer XXXX XXXX, I escalated the issue to his boss XXXX XXXX. The issue is that the appraisal fee of {$490.00} was charged to my credit card when the loan docs state {$470.00}, fist mistake. An appointment was made for XX/XX/XXXX, when no one showed up I inquired about it and XXXX stated that the appraiser did a `` drive by '' and no interior inspection was required and due to social distancing protocols. This is where I feel this company is shady and should be investigated. Per XXXX I would be credited {$490.00} towards closing costs and not a refund to my credit card. Fine, but then the rates went down again and I received a proposal from a competitor which I then forwarded to XXXX to give him an opportunity to o see if he would consider a match and that's when he went silent so I had to escalate to his boss Mr XXXX. Mr XXXX took my information and said he'll see what he could do. Three days later her returns another proposal that while it gave me the percentage I wanted, it was going to tack on a larger amount to the loan which I did not want, so needless to say, I went with the competitor which completed a full appraisal and a higher value to my home. So Mr XXXX handled the reimbursement which was only {$95.00}, I explained that he had it wrong and it was supposed to be a {$400.00} reimbursement and NOT {$95.00}, that is what the `` drive by '' appraisal was supposed to be. The Disclosure lumps all the fees in one line, line L of the disclosure so who knows what all is lumped in there as the total was {$3500.00}. When I inquired with Mr XXXX about the amount, he stated that the appraisal company, XXXX, sent a voucher for {$400.00}. So, I went to XXXX to ask WHO was responsible for the reimbursement and received a response from XXXX XXXX who stated that it was Loan Depots and she forwarded my request to a manager, XXXX XXXX, in the appraisal dept, that was XX/XX/XXXX, I have yet to hear from her or anyone form Loan Depots appraisal dept. Included with this complaint are all of the related documents and communication between us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I filed for unemployment on XX/XX/2020 and applied for debit card from Go program at the same time. I approved for unemployment and receive XXXX + {$500.00} a week. I have NEVER received a debit card from anyone, and on my Login it says 3 of my payments are on a debit card. I opened a bank account after 3 weeks of NOT gettting my debit card from yall. But I still need the debit card to get my {$1800.00}. Please send me a debit card. but I want all my unemployment to stil go to my direct deposit I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This complaint is against XXXX University in the City of XXXX XXXX. 
On Monday, XX/XX/XXXX I received an alert from experian that my XXXX XXXX had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University is my loan servicer for my Federal Perkins loans. 
When I graduated last year and I sat down with my financial/loan adviser at school I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. 
Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined. 
I am already undergoing a very strenuous time with this pandemic and this reporting is causing several hurdles in my ability to access funds. What is worse is that I am not even able to contact someone to figure out a way to rectify the late payment. Although the university shouldn't be penalising new graduates, when the degree they provide doesn't guarantee job prospects.

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