vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Union Mortgage Association, Inc.
State: MD

Complaint narrative:
I applied for a mortgage for a rental property. Prior to denial they never asked for nor received any verification documents. When I protested not the denial, but the way they had arrived at the decision, they changed loan officers. I then provided tax returns and bank statements as verification of income. I was once again denied. I never received any official documentation as to the application, nor did I receive a denial letter, containing the reasons for denial. I believe I was also supposed to receive something containing my credit score. I have no documentation to upload in support of this complaint because I was never provided with any. I do have emails to and from the company. That 's it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My sophomore year of XXXX, I received a private loan from Navient then known as XXXX. The loan was for XXXX. It is now worth over 43,000. When the recession occurred I was unable to go back to school. I was out of school for almost two and a half years. The second year I was out of school I received a call detailing my delinquency. I was young and naive but I grew up that moment. I had no clue that XXXX had been trying to collect payments. They never called and sent one mail that I received before they sent me to collections. I called and they agreed to put me on forebarence because I was ineligible for income-driven repayment though I was making minimum wage in XXXX which was XXXX. I began paying them monthly around 250.00, with escalating cost each month and no decreasing balance. In XXXX I received an email from my school offering an opportunity to go back to school. I immediately accepted and returned in XXXX XXXX making a payment for XXXX because XXXX said I was n't eligible to receive deferment for XXXX. I graduated on XX/XX/XXXX.I started a job in XXXX XXXX and began repaying them before I was accepted into a XXXX program at XXXX university XXXX I then entered in school deferment because I was n't working full time with the company that provided enough income to substain the payments but I was working two jobs. In XXXX XXXX I was accepted into the XXXX school of XXXX, of which I still attend. I have no income except for my federal refund that goes toward living expenses such as rent and food. I was contacted by Navient and told I would have to pay them. They offered no resolution saying that I have no other options and that they would send me to collections again. I am currently being educated for a field in which repaying them would be a foregone conclusion yet I 'm restricted because of inadequate private loan laws and unreasonable contracts companies like Navient offer low-income students because we have no other source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX residents -husband & wife ( Borrowers ) existing CitiMortgage clients. CitiMortgage ( Lender ) maintains current mortgage, originating XX/XX/XXXX. 
XX/XX/XXXX, borrowers initiate refinance effort aimed at paying off existing lender loan. Initiation with lender rep complainant will refer to her as " XXXX '' - XX/XX/XXXX : Lender : " unable to originate a new loan '' due to XXXX Assessment on property. Twelve weeks after initiation. Why twelve weeks?! 
XX/XX/XXXX - XXXX County Tax Assessors Office forwards borrower 's updated/most current Property Tax Information to CitiMortgage Tax Department. Tax statement reflects the obvious and significant increase to borrower 's property tax bill as a result of an " XXXX '' ( XXXX Assessment ) loan. 
Elevated tax bill, increases borrower 's monthly payment to lender from XXXX to {$3100.00} - These increases additionally reflected in " CitiMortgage Escrow Account Disclosure Statement '' funds of which disbursed on XX/XX/XXXX and reflected in the " Annual Escrow Analysis '' produced/forwarded to borrowers by lender XX/XX/XXXX. 
XX/XX/XXXX, - Borrowers email, PdF full color copy of their XXXX County Tax Assessor 's Statement to XXXX, text includes directing XXXX 's attention directly to line item where the XXXX Loan ( XXXX Assessment ) is listed. Increase to the tax bill-again-clearly reflected and assigned directly to property tax bill. 
XX/XX/XXXX Borrower apprised by XXXX Program Subordination Mgr, that not only has lender previously entered into refinancing with XXXX Loans appropriately and satisfactorily subordinated to second position, lender loans have been funded - fully recorded - and are part of the public record. 
Is there some type of discriminatory or other bias against these borrowers present in this failed transaction? 
It can not be articulated strongly enough, that XXXX provided not XXXX, but XXXX separate, fully binding and compliant subordination 's to Citi upon request.

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 2016-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: VW Credit
State: IL

Complaint narrative:
In XXXX XXXX, I purchased and financed a vehicle through Volkswagen Credit. Shortly after, Volkswagen admitted to having deceived its customers through fraudulent emissions practices in it 's diesel vehicles. The vehicle I purchased was a XXXX XXXX XXXX, a diesel car that was impacted by Volkswagen 's fraudulent practices. I have contacted Volkswagen Credit on several occasions to request that the take the vehicle back and eliminate the loan from my credit. I have been told that if I stop paying the car loan, the car will be repossessed and will impact my credit score significantly. I have continued to pay the loan and am current, but feel that there is rampant fraud throughout this issue. I do n't believe myself or other consumers should have an obligation to continue to pay on financing for vehicles that were sold deceptively. I have made no progress working directly with Volkswagen. Seeing as the company sold and financed a fraudulent product, I am hoping that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
XXXX/XXXX/2015 spoke with Quicken loans and provided my credit card number for a deposit for an appraisal. Locked rate good until XXXX/XXXX/2015. XXXX/XXXX/2015 credit card charged {$400.00}. XXXX/XXXX/2015 Appraisal ordered. Appt set with appraiser for XXXX/XXXX/2015. Appt with appraiser cancelled by Quicken x XXXX without notification to me or explanation. Appraiser informed me that XXXX asked her the following day on both occasions to rebid the appraisal. Difficulty obtaining information from XXXX on several occasions. Requested my money back. Deposit agreement states " If your application is denied or withdrawn, for any reason, we will refund your deposit, minus the actual cost of your appraisal and credit report ''. No appraisal has been performed. I 've requested XXXX times or more that my money be refunded and XXXX has not responded to my request or refunded my deposit money. Email from XXXX of Quicken Loans dated XXXX/XXXX/2015 XXXX XXXX quoted below, but I have yet to have my money refunded. I have been contacted by XXXX XXXX via phone XXXX and have returned her calls x 2 requesting my deposit money refunded but she has refused to respond to this request simply returning my calls and wanting to " explain '' but making no response to my request for why my deposit money has not been returned. Contact information : XXXX XXXX Solution Consultant, ( XXXX ) XXXX ext. XXXX. 
I am hopeful CFPB can assist in obtaining my deposit money. After reviewing other complaints on the internet since my fiasco, I have learned that this appears to be a common strategy for Quicken Loans to refuse to refund deposit money. 


" XXXX XXXXXX/XX/XXXX at XXXX XXXX ( ET ) Hello, I apologize for the frustration. The appraiser is still awaiting assignment, and we will not close by XX/XX/XXXX. I will contact our banker to get your refund, and have the loan canceled. 


Thank you, XXXX '' Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I represent the homeowners in pending foreclosure litigation. On XXXX XXXX, 2015 I received a short sale denial letter from Carrington Mortgage Services , LLC, dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirements for Short Sale Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. On XXXX XXXX, 2015, I received a deed in lieu denial letter from Carrington dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirement for Deed in Lieu Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. 
The reason given for denial for both short sale and deed in lieu is wholly inadequate in that it lacks any detail and does not provide any basis for correcting any inadequacy or challenging the denial. 
The time given to appeal is wholly inadequate in that I received the denial letters two days after the appeal deadline. 
On XXXX XXXX, 2015, I wrote to Carrington 's attorney stating the above and to date I have received no response -- including no reason for the denial and obviously no way to remedy any legitimate deficiency in my clients ' application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to Experian asking them to look into a number of accounts they are reporting that I need more information on. They refused saying I disputed this already. I do n't know what they call a dispute, I did at one time try calling the numbers under some of the accounts I question but all I got was bullied by debt collectors and harassed. I know I have a right to that information from Experian.

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 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent XXXX XXXX XXXX o And Experian multiple requests regarding the removal of an old mark on my credit from XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had an American Express prepaid XXXXcard that loaded with my own funds. I used it to upgrade a previously purchased XXXX XXXX ticket ( {$860.00} ) for another about {$270.00} to include a stopover I wanted ( total ticket price : {$1100.00} ). Due to a change in plans, I then had to cancel the whole ticket. XXXX XXXX refunded the entire ticket price to the prepaid REDcard ( instead of just the upgrade fee of {$270.00} ). 
When American Express saw this, they immediately closed the account and froze the funds, accusing me of " fraud ''. I called everyone in the company I could to try to resolve but was met with indifference and lies such as " we do n't know where the money is ''. It took weeks until XXXX day a check showed up at my house refunding me all of my money I loaded into the account, minus the {$270.00} I used to upgrade my XXXX ticket, which American Express claimed was " sent back '' to XXXX together with the base fare of {$860.00}. 
Meanwhile, XXXX XXXX claims they never got any refund " sent back '' from American Express. I 've called American Express countless times but i am either ignored or told that " they do n't know ''. 
I am still waiting for the the refund of {$1100.00} that American Express claims to have " sent back '' to XXXX but XXXX insists it never received it. 
Worst of all, American Express NEVER made any attempt to contact me to verify the charge. Instead, they immediately shut down the account, accused me of " fraud '', froze the funds for weeks " pending investigation '' ( for which I had no say nor any opportunity to explain ), and then only refunded to me part of the funds that were in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern : My husband and I ( XXXX XXXX and XXXX XXXX ) are sending a written complaint regarding the bank JPMorgan Chase Bank located XXXX, NJ for the following reasons : When we started with the process of our house loan a representative by the name of XXXX XXXX in XXXX/XXXX/2013 began to assist us. However, for some reason he stopped working at this bank and our entire process was delayed and we were informed that a new representative would be following up with us by the name of XXXX XXXX. However, XXXX never followed up with our case and no one from the bank contacted us regarding our status in the process. I then started to make the calls on my own to find out how the status of our loan was taking progress. This negligence of irresponsible representatives that were assisting us caused a delayed in the closing of our first home. Due to these inconvenences the closing of the house was finally done XXXX XXXX, 2013 when it could have been processed earlier. I would like for you to consider all these neglectfulness by this particular bank and reconsider that as I client of JPMorgan Chase Bank we should have met the criteria to change MIP premium requirements of FHA loans that took effect for those who had a case number assignment date before XXXX XXXX, 2013. I have attached documentation that proves that our process had began by XXXX/XXXX/2013. Please I would appreciate if you reviewed this information and assist me in the best possible way so that we can qualify for the resolutions that applied before XXXX XXXX, 2013. 





Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX stWest New York, NJ XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
opened a Citigold checking account on XX/XX/2016. I opened the account because of the sign up bonus offer I received in the mail. The offer was I would receive XXXX XXXX miles after making 2 bill pays and spend {$1000.00} using my debit card. I called to sign up for the offer and also received confirmation that I have met both requirements. As I have n't seen the miles posted to my account, I sent an email to secured message center and was told I was n't qualified for this offer! How is that possible? I had been told verbally and in writing that the offer is attached to my account. I incurred monthly service fee of {$30.00} and now I 'm told that I do n't get the sign up bonus? How can Citi not honor the promotion that I was told that I qualified for? I have documentation through a secure message where I was told that I had met all qualifications for the offer and would receive the points.

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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called to get information about a business security system. I asked for the information to be sent to my email so I could use comparison to other systems. I gave my name, my girlfriends name and the location of where I wanted this to be installed. I spoke with XXXX XXXX XXXX XXXX ex # XXXX and we were on a recorded line, where I was never asked nor gave the permission to do anything with my credit. I told him I would call back. The next day around XXXX my phone notified me that I had a change in my credit report. I took a glance and noticed XXXX XXXX XXXX and AUTOMATION had done a hard credit report without my permission. As well as my girlfriends report had been jeopardized from this the same time. I started the morning of XX/XX/XXXX to call and find out what happened. I spoke with many people and was given an email from XXXX XXXX XXXX XXXX or XXXX or XXXXXXXXXXXX saying " we are submitting request to the credit bureaus to have inquiry removed " ( XX/XX/XXXX - almost a YEAR AGO ). And he said he would let me know when it 's removed. Well I have spoke many hours with numerous people at XXXX about this and no one will do anything. I have emails from XX/XX/XXXX and also XX/XX/XXXX about this and letters they supposeibly sent to get this removed, phone records, voicemails about this and no one at XXXX HAS TRIED or attempted to get these illegal inquires removed. It has almost been a year and has been effecting both credit scores of us. I have done all I can to complete this. Contacted all XXXX credit bureaus and have gotten no where. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
United Wholesale Mortgage got XXXX XXXX XXXX to sign a note and mortgage to United Wholesale Mortgage 's benefit and they advanced no money. The note and mortgage are payable to United Wholesale Mortgage. XXXX XXXX XXXX and United Wholesale Mortgage have a false relationship of " maker '' and " XXXX '' on the note that never should have been released from " closing '' had the real facts been revealed by disclosures required by the Truth in Lending Act. United Wholesale Mortgage securitized the paper but not the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal recently limited my account. I still have {$320.00} in eBay gift cards which can only be used with a paypal account. Now as the account is closed those cards have become worthless and I feel cheated out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
ON XXXX XXXX I ORDERED A NEW RADIATOR FROM XXXX. MY CUSTOMER IS IN THE MOTEL WAITING ON THE REPAIR OF HIS FREIGHTLINER TRUCK. THE PART SHOWED AND IT WAS WRONG. THE MANGER AT XXXX XXXX ASKED US TO TAKE IT TO A RADIATOR SHOP TO BE MADE TO WORK. THE PART WAS COMPLETELY WRONG COULD NOT BE MADE RIGHT. WE SHARED THE INFO WITH OUR CUSTOMER WHO IS NOW AFRAID OF BEING STUCK IN A MOTEL OVER XXXX. OUR CUSTOMER DECIDED TO RENT A CAR AND DRIVE TO XXXX, TX AND PICK UP A RADIATOR HIM SELF. CALLED XXXX AND TOLD THE MANGER THE DEAL. TOLD HIM I NEEDED TO SEND IT BACK. HE SAID HE WOULD GET BACK TO ME. I WAITED TILL AFTER XXXX AND TOOK IT UPON MYSELF TO SEND THE PRODUCT BACK. WHILE IT WAS ON THE TRUCK ANOTHER SHOWED. A REPLACEMENT FOR THE WRONG. CALLED THE MANAGER HE SAID I ORDERED IT. WHY WOULD I DO THAT WHEN THE CUSTOMER IS GETTING HIS OWN. HE OFFERED HE WILL GET BACK TO ME. SOMETIME GOES BY AND THE RADIATOR I SHIPPED BACK GOT REFUSED AND SENT BACK TO ME. NOW I HAVE XXXX RADIATORS A PRICE OF {$1200.00} EACH AND A ROUND TRIP FREIGHT BILL THAT IS ABOUT {$400.00}. SO I 'M IN THIS FOR {$2900.00}. CALL THE MANAGER TELL HIM THE DEAL. HE WILL GET BACK TO ME. I KEEP CALLING AT LEAST ONCE A DAY. I 'M TOLD HE WILL RETURN MY CALL. I FIND A EMAIL. I SENT A FEW THROUGH THAT. NO LUCK. SO I GO TO THE CREDIT CARD AND FILE A DISPUTE. SEVERAL WEEKS GO BY AND I GET A CALL FROM I GUESS THE OWNER. TELLING ME HOW I SHOULD HAVE HANDLED IT WITH MY CUSTOMER. HE ALSO ASKED IF HE COULD HAVE HIS XXXX RADIATORS BACK. I TOLD HIM SURE THEY ARE HIS NOT MINE. HE SENT THE FREIGHT COMPANY XXXX TO PICK-UP THE XXXX RADIATORS. THEY PUT ON THE SHIPPING LABELS AND LOADED THE TO RADIATORS. GLADE THAT THAT IS OVER. NOPE HE REVERSED THE CHARGES BACK TO ME. TOLD ME I NEEDED TO PAY THE FREIGHT FOR COMING INTO ME AND BACK TO HIM. THE PRODUCT I SENT BACK AND GOT REFUSED WAS FUNNY TO HIM. HE TOLD THE CREDIT CARD COMPANY THAT I WOULD N'T GIVE THEM BACK. SO IT STOPPED THEIR. THEY TOOK HIS WORD WITH OUT ANY PROOF. I 'VE TRIED GETTING WITH XXXX TO GET ANYTHING THAT SAID THEY WHERE PICK-UP. BUT THEY CA N'T HELP ME. I 'M NOT THE ONE THAT HIRED THEM TO SHIP. I 'M STUCK WITH NO WHERE TO GO. I HAVE GOT TO PROVE SOMETHING THAT I HAVE NO WAY OF DOING. WHILE THEY TAKE THE OTHER GUYS WORD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting a state tax lien that the state of louisiana says does not belong to me and the state has repeatedly asked equifax to remove as i have been a victim of identity theft, this has been going back and forth since 2009 and the state of louisiana told me to contact the consumer protection agency to have them remove it because all attempts by myself and the state of la has failed please help i am exhausted and it causing me a great hardship and high stress levels to be dealing with this so long

Company response to consumer: Closed with explanation