vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I was on a mortgage forbearance from XX/XX/2020 to XX/XX/2020. I returned to making regular mortgage payments in XX/XX/2020 and have made timely payments to date. I am now attempting to refinance, however, Midland Mortgage is preventing me to do so because I was unknowingly entered into a repayment plan and my statements show that I am late and that I have an outstanding balance ; which is a red flag for the bank I am attempting to refinance with. When I agreed to the forbearance via phone ( no documentation was required ), I was informed by Midland, that any unpaid amount would be added to the balance of my loan. I am now attempting to reduce my monthly payments by refinancing so that I can reduce my interest rate, lower my mortgage and ultimately stay in my home. Midland continues to push me into a repayment plan when I am aware that HUD offers other programs i.e. 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 2021-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
GREETINGS CFPB, MY COMPLAINT IS AT H.U.D. ALREADY SIX MONTHS, IT IS PREVENTING ME FROM REFINANCING, TO PAY OFF MY BUSINESS, UNDER ESCROW AT XXXX TITLE CO, XXXX CA. DUE ON XXXXPROPERTY TAX LIENS PLACED ON ME FROM XXXX XXXX GOVERNMENT XXXX XXXX. I PAID THE LIEN AND THEY GAVE ME $ XXXX WAIVER UNDER THE FEDERAL HOMESTEADERS ACT. BUT THEY DOUBLED MY TAX. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX JURY ON XXXX AND THEY HID MY CASE FROM ME .I FILED TO SHUT DOWN THE GOVERNMENT CENTER AND REMOVE THEIR BUDGETS. THE XXXX SUPERIOR COURT HELPS ONLY THEIR XXXX MEMBERS AND ENFORCE THIER OWN CA CONSTITUTION. THEY WERE RUNNING THEIR XXXX GOVERNMENT HERE, XXXX IS THE EPICENTER FOR XXXX EXPANSIONISM. SOME OF MY FAMILY MEMBERS AND FREINDS ARE ALSO XXXX. THEY GAVE THEIR MEMBERS XXXX50 % OF RESIDENTS, ALL COMMUNISTS XXXX INMATES FROM THE HANFORD CA E.D.D OFFICE, THEY ARE NOW SHUT DOWN. I NEED HELP CLEARING MY HOME FROM TAX LIENS, I AM XXXX GANG SUPPRESSION FOR XXXX DISTRICT ONLY. THE COMMUNISTS PLACED THESE LIENS ON ME TO RUN ME OFF ONLY D.A.C.A. RECIPIENTS ARE INVOLVED IN TERRORISM RUN BY THE KNIGHTS OF XXXX XXXX IDENTIFIED BY A RANK STAR RATING.MY CASE WITH NATIONAL HUMAN TRAFFICKING ORG.CLEARED THEM OUT # XXXX SUBMITED A COURT XXXX FORM IN XXXX XXXX XXXX UNDER MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TX

Complaint narrative:
I have tried, in vain, it appears to get Sears Citi Executive rep XXXX to fix the inaccurate reporting from my XXXX  credit report with no success. I closed the account in XX/XX/2020 as a result of entering a debt management plan in XX/XX/2020. However, the Sears correspondence dated XX/XX/XXXX now erroneously indicates it was closed due to delinquency on XX/XX/2020. But the point of my complaint is that this is a closed account with a XXXX  balance yet the payment status shows it as DEROGATORY -closed not paying as agreedas of today. The payment status is not correct. I have had to deal with this numerous times and back in XXXX I have Sears correspondence attached indicating the account was in a satisfactory status. I paid the account in full in XXXX ; between XXXX the account remained in a satisfactory payment status. Yet, again, they have put it back in a derogatory payment status.

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 2021-04-08 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 — Other problem getting your report or credit score
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Please see complaint XXXX, filed on XX/XX/XXXX. Attached is their response dated XX/XX/XXXX. Please note, that they state I was provided forbearance that was approved from XX/XX/XXXX through XX/XX/XXXX. Attached is my credit bureau pulled on XX/XX/XXXX showing they were reporting the account closed 120 day late. I have also included the document they sent on XX/XX/XXXX a request had been given to them to have the forbearance removed ( on a closed account with a new due date on XX/XX/XXXX. 

XXXX action items were required of them to do : 1. Correct the status of the account on the credit bureaus - COMPLETED 2. Have all credits rescored after correction - NOT COMPLETED 3. Return late payment monies taken out at closing they were not due as they have admitted that I wasn't late ( approximately {$17000.00} ) - NOT COMPLETED Attached are two of my XXXX  credit bureaus. 

Report dated XX/XX/XXXX showing SLS reporting the account closed at 120 day late and my credit score XXXX. 

Report dated XXXX showing SLS reporting the account closed paid as agreed, score at XXXX. 

I have only one 30 day late pay in XX/XX/XXXX that was closed that same month. The bureaus have not been rescored.

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 2021-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have an Ally Invest account and the issues first arose when I accidentally created a short position and sold to open a call. 

I noticed I only received partial credit for it but thought it would eventually get deposited seeing as it showed in my unsettled funds, however, the very next day the unsettled funds showed as nothing. So there goes about XXXX completely gone with no trace. 

Now today, I never received credit for a sale that I made. I had about {$800.00} in my account and went to sell another position for about {$900.00}. Immediately after my balance showed as {$0.00} and all my money is now gone. 

I can't even go back to trace the previous amounts that I was never credited but I just today, plain as day, that my money has disappeared out of nowhere and nobody knows what's going on. There is no record of my balance just a big fat XXXX. 

This is complete robbery and illegal.

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE CONTACTED ALL PARTIES ( EQUIFAX, XXXX, XXXX/XXXX, XXXX, AND XXXX XXXX-XXXX  ) INVOLVE IN THIS MATTER INFORMING THEM OF THESE FRAUDULENT ITEMS TO CONTINUE TO RECEIVE THE SAME FRIVOLOUS RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: NC

Complaint narrative:
XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX  XXXX - XXXX ; XXXX XXXX - XXXX ; Collection - XXXX ; Medical Collections - XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens One bank continual problems and they delegate the blame and responsibilities to persons replying with NON relevant information and misleading information their inability to explain their own actions or inactions ... NOW I made a liump principle payment YESTERDAY via Electronic bank transfer.. their website took the payment and gave this reference number s-XXXX. today a full day later I checked my account just now and it shows NO payment at all from yesterday.. this bank is NOT crediting payments properly or timely more proof how they ripp off extra interest.. as of this writing my account shows no payment yesterday and it was electronic should have been immediate but this bank drags its feet when it decides to credit payments so they can collect extra interest for extra days THATS FRAUD and EXTORTION ... as said before this bank misleads clients as well the garbage they sent me had nothing to do with my actual payments and indicated I was paying more interest than I should be and now I have more proof because they arent even crediting immediate payments on the same day even.. they are bilking the public and you know a few dollars to millions of people adds up every month doesnt it ... ask this bank. My account I checked today doesnt even show yesterdays payment anywhere on my account page so answer me this how did they generate that confirmation number?? and never bothered to credit the account when the payment was actually made???? I think they continue to do this for extra interest monies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Self Financial Inc.
State: NY

Complaint narrative:
Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from Self Financial Inc. in regard to a CD account I had with them.

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the XXXX & 60 day late payment on my report. 

I spoke to the dispute department @ Self Inc. to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX Ally bank complaint This a follow up to the above complaint. Their reply is a 100 % lie. Not only did they butcher my income but apparently that is how you do it I offered to pay every single debt ( every one ) which would put me at a XXXX  DI they gloss right over this fact. They are straight up lying and as I figured you guys are backing them 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/2021, I received a wire for XXXX. After, it had cleared. I withdrew the money. There was no indication. that they were suspicious of the deposit. I was given the entire XXXX dollars. Actually, I had no idea there was a problem, until I went to the ATM. and at the time I was unable to retrieve my money. Also, it should be noted, I have direct deposit, weekly. Several times, I have tried to contact the person in charge of my case. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX and this morning, I tried to contact the supervisor. But, I was put on hold too long. I am working remote. and I could not continue to hold. Presenting I have a balance over XXXX dollars. I have stopped my direct deposit. But, there are refunds, from products I have ordered and cancelled and I have no idea, where that money is. This morning I tried to remove XXXX from my XXXX account. I was told I could not, until the fraud issue is resolved. So, in summary, I was never notify of the fraud issue. They have held my money for a month as of around XX/XX/XXXX. No, XXXX responds for to my messages or calls. It is very hard to survive, since more since covid. I need your help.

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: ID

Complaint narrative:
Yes, we have contacted the company, XXXX XXXX XXXX many times in the nearly 6 months since we began this arduous refinance with them. 
It began with our loan application completed along with all requested documentation in mid XX/XX/2020. Now, we understand with the interest rates at historically low rates the mortgage companies are bogged down and likely to take longer than usual. With that said, we are coming now on six months and no contact from the loan processor, customer service or anyone else from the company. I've left 7 emails in the past two weeks alone plus I've tried to call their corporate office to get through to customer service, first the voice mail was full, next three times, the phone just rang and rang and rang. 
We've paid already for an appraisal, it came back at a favorable amount seven weeks ago and still no closing date or promise of a closing date.

We have superb credit, fabulous equity position and verified income. This is not because we're remotely uncreditworthy. I'm not sure what this is ... desperately poor expectation management and communications, I'd guess.

Simply put, this company may be a scam and we've wasted 6 months. Can you please check into our case and let us know if this company is even real? 
Thank you for your time and efforts ; you are appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX I paid the company off in 2015, and they still have a judgement on my property, and my bank refused to give me a loan to fix my leaking roof, until Regional Finance, issues a release of judgement off my property. I am a XXXX year old XXXX senior citizen, and I need my leaking roof repaired ASAP. This has been an ongoing battle for the last few months. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: NC

Complaint narrative:
Forbearance plan initiated XX/XX/XXXX. Late payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, has been paid during forbearance plan. XXXX is constantly reporting me 60 days late in forbearance, even though all monies are paid, besides whats due during forbearance {$16000.00}. Credit reporting is triggered somehow thru phone calls or payments to XXXX. If no communication is initiated, then credit reporting ceases. Communication with my mortgage lender, should not trigger negative credit reporting on specific months, when in forbearance. If its consistent, then all months should say 60 days late, but the error comes in when I was actually 90 days late from XXXX. This information is not correct in my credit profile and should be updated immediately. XXXX is the worse Thanks

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 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
When I bought this car it was priced at {$9900.00}. I had to apply for an auto loan with Ally Financial. At this time they added GAP coverage to the loan for an additional {$2300.00}. the car came out to {$12000.00}. I put down {$4000.00} cash. which should of brought my car to {$8000.00} as the actual financing price. 3 months into my loan i learned the real value of my car and decided to cancel GAP insurance. {$2000.00} was refunded back to my Ally financial loan. With this activity alone, my loan balance should be below {$5700.00}. I FINANCED MY CAR XX/XX/2018. I have made over {$4500.00} in payments. YET MY BALANCE on my car is over {$6000.00}. ALLY financial is keeping every payment and adding it towards " Interest ''. All these payments, cash down, refund of gap insurance should have my balance close to {$1200.00}!!! PLEASE HELP ME AND DEMAND THEY STOP THIS AT ONCE. For 3 years I have been making payments. But my balance keeps going up instead of down. PLEASE HELP ME!!!!! Than they repossessed my car and charged me {$1200.00} to get it back. {$800.00} toward 4 arrear payments ( DUE TO COVID-19 ) and {$400.00} in fees. Out of the {$800.00} payment only {$550.00} went to the the car and Ally kept {$280.00} for additional fees, Plusss the {$400.00} IN FEES this is {$700.00} in fees and only {$500.00} went towards my arrears. PLEASE STOP THEM! I have all the paper work on this car from the day I bought it. To show proof of the sale price and money down! plus gap insurance receipt.

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XXXX of 2020 I placed a freeze on my credit score. At that time my XXXX credit card was removed from my account by Experian. In XXXX of 2020 I applied for a mortgage which I was refused numerous times by numerous lenders. I have been told repeatedly that I have no FICO score. After contacting Experian in XXXX I have complied with each and every requirement they insisted on. Experian refuses to reestablish my 30 year credit history with XXXX. We have been in contact with Experian numerous times since XXXX XXXX has sent them all requested information. Experian continues to request more information which has already been sent to them. They have assured me numerous times that everything would be taken care of in 7 days. It has now been 5 months and I am still unable to qualify for a mortgage. My FICO score in XXXX of 2020 was XXXX. Experian continues to refuse to reinstate my FICO score until they receive more information which they have already been given. I have requested to speak to a supervisor and been told there are none available.

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 2021-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I originally contacted my mortgage company PennyMac XX/XX/2021 regarding a refinancing of my current mortgage. I have had my home for 10 years and wanted to refinance the remaining 20 years of my mortgage. 

I was told based on my credit score I was eligible for a 2.25 % re-fi FHA and closing costs would be approximately {$500.00}. 

Each time they requested documents I had to supply them within 24-48 hours and I complied even though the requests were made late on Thursday nights. 

Aside from the requests for information there was little communication with them. When the process was approaching 60 days I requested an update several times wanting to know why it was taking so long and no response was received. On XX/XX/2021 I received information that they had identified {$900.00} in my checking account for closing costs and another {$250.00} was needed. When I questioned what the closing costs were really based on because it did not seem right to be based on my available funds no response or explanation was given. Nor did anyone respond with an explanation as to why the process was taking so long. XX/XX/2021 I received an email that indicated there was information needed on my account. When I logged in there was a document request dated for XX/XX/2021 stating {$900.00} had been identified as available for closing and an additional {$600.00} was now needed. How does this happen? Why did the closing costs go up? Why the different dates going backwards on the request? Still no explanation as to why the closing costs were much higher than stated or why the process was nearing 90 days. I had been with this company for many years and never late on a payment. There was no pending inspection or appraisal but no one would answer my questions.

Company response to consumer: Closed with monetary relief