vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: HI

Complaint narrative:
Quicken loans changed their loan conditions for no GOOD reason ( or one we could find out ) after 4 years saying that the employee that set up our loan 'made a mistake ' and we were supposed to be paying hurricane insurance which quadruples the cost of our overall insurance and makes the house NO LONGER AFFORDABLE to live in and now we have to sell. It is not right for them to change an agreement because someone screwed up because we based our decision to buy this home BASED ON THE AGREEMENT AND LOAN CONDITIONS THEY SPECIFIED at the time b/c what they offered made this an affordable purchase. We were told repeatedly ( which WAS WRONG and we PROVED it to them via our state insurance agent ) that the hurricane insurance was 'required by state law ' -- a total lie and proves their incompetence. We accepted this lie for a year and had to pay the increased insurance and then we got hit with a huge escrow bill that we have to pay. So we protested again this year, XX/XX/2018 when we got the nearly {$1700.00} bill and after we proved to them that it is NOT 'state law ' to require this insurance, we were then told that the 'investors require it ' but was NEVER answered about WHY, what basis are the investors using for this decision because if they are using the 'state law ' justification, it is not right or fair to do this to us. We have repeatedly asked them to honor their original agreement with us as they are a multi million dollar company and a couple thousand dollars isn't going to hurt them but it is hurting us to the point where we have to sell and move. They refused. Then we asked them to at least give us a break and split the difference with us to at least make up for their 'mistake '. They refused. All they would do is extend our payments. Big deal. We will still have to pay the full amount when we sell the house. Totally unfair. They told us basically that we should thank our lucky stars we weren't having to back pay for 4 years of hurricane insurance we were 'supposed ' to have. Please! If we had known of this requirement, we would have NEVER chosen to go with this company for the mortgage! They don't care about losing our business or the bad word of mouth and internet reporting they will receive. They NEVER answered us about the reason for the investors requiring this insurance and that is unacceptable. Their needs to be big justification for this forced changed if someone is going to lose their home over it! 
If a company is allowed to change their agreement with consumers willy nilly or because of a 'mistake ' or a 'change in policy, ' that will end up amounting to bait and switch tactics and is unethical at the very least. They can always use these excuses then and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2018 I made a {$560.00} cash deposit ( all $ XXXX ) in the Santander Bank ATM located on XXXX XXXX in XXXX, RI. After accepting the cash the machine flashed a quick error message ( wasn't time to write it down or take a picture ) and returned my ATM card. I immediately called the XXXX number on the back of the card ( while remaining at the ATM ) and was told there was nothing they could do but open a case. I asked that the bank manager phone me first thing in the morning to discuss. After not hearing from the bank manager ( XXXX ) the next day, I called and was told there was nothing she could do for me as it would have to wait until the ATM was settled and that occurred once a week or so and she wasn't able to provide a date as they had no set days/times. She referred me back to the number I called the day before explaining she had nothing to do with the ATMs. I called the number yet again and this time spoke to someone who appeared competent and gave conflicting information to what I had asked before. They deposited the money in the account while they performed their investigation. I received a letter on XX/XX/XXXX dated XX/XX/XXXX in the mail stating the review as complete and there was no proof the error occurred and the funds were taken from my account. I immediately phoned Santander again and placed another dispute regarding this and asked how the investigation was done and didn't really get an answer to my question. I asked if they bothered to pull the video and he noted they don't typically do that but would note in my file I requested the video be reviewed. I was told it would take approximately another 48 business hours for them to issue another temporary credit. I asked that a manager phone me to discuss. It is now XX/XX/XXXX and I have not heard back from the bank and am still out the money. Any assistance you can provide on my behalf or information regarding my rights is greatly appreciated. Thank you for your assistance in this matter.

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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent an investigation request to XXXX and Trans Union over two months ago. They were supposed to respond with the results within 30 days, but they have not.

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 2018-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have had nothing but trouble from the very beginning since they took over my home loan. I did a home loan modification in XX/XX/XXXX and bank of America received {$22000.00} from FHA. Bank of America needs to understand that this money wasn't to go in their pockets but to catch up my payments that were behind. They refused to show where the money went. Bank Of America was reporting {$4500.00} past due on my statement prior to my bankruptcy and this is what I reported to the bankruptcy court. It was on the mortgage statement which I have proof of. I also didn't have to pay their attorney fee 's when I filed for bankruptcy in XX/XX/XXXX and XX/XX/XXXX. They hired the attorney so why should I have to pay their attorney fee 's for me just filing for bankruptcy. I have to pay my bankruptcy attorney plus their attorney fees. They just don't want anything to be easy on me because I am a single female. And females are mistreated and abused in this country. Since I am the sole breadwinner in my household and having to support my son on top of it. Nothing is easy for a single female. Bank of America is trying to MILK me for all the money i got to pay for my food and other bills. I am getting sick and tired of it. " Why bother to file for a modification " to lower your payment. If by LAW they can raise it to {$560.00} from {$510.00}. They are making my life very difficult to live. One other thing I would like to point out. My bankruptcy lawyer works for me not them which I am paying her. And I shouldn't owe their attorney fees because he is not representing me but Bank Of America! " Just to look over my bankruptcy filing! ''

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 2018-07-03 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: U.S. BANCORP
State: CA

Complaint narrative:
I had a USbank Master Card. There was a fraudulent charge made on card on XX/XX/XXXX for {$370.00}. I challenged this by phone and closed account as USbank could not provide many any info on this charge. I did speak to them on the phone about this. On XX/XX/XXXX I received a notice that USbank determined charge was fraudulent. I have received bills from USbank charging me interest and penalty for fraudulent charge. I've gone ahead and paid all charges at end of XXXX just to have them go away, but I continue to receive bills from XXXX. Received one today ( XX/XX/XXXX ) by email.

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 2018-07-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My first interactions with this firm were relatively fine, but since my account was transferred to XXXX XXXX, the communication has ranged from sparse to incompetent to non existent or unpleasant. It has not gotten to the point of threatening, but just barely. 

I have submitted multiple proposals for settlement handwritten by mail as well as via email and have attempted to call my representative. I've even contacted the main office to ask for a new case representative and have copied other addresses and have not had anyone respond to those requests. Since the original papers were served, I have not received anything in the mail or email about my case before they have brought the recent actions. I call and email XXXX XXXX and she claims to call me back, but does not. She often does not return my phone calls or answer my emails. The few times she has called, it's been in windows of time where I have explicitly stated that I was unavailable. I have submitted proposals and asked for information on next steps and have not received anything. Phone calls and emails have stopped entirely. 

It was my understanding that they could not continue to take action on my account when there has been new filings for settlement options, but they have continued to take money from my account and place more freezes even after I have submitted formal proposals and have tried to communicate. I feel that XXXX XXXX is intentionally not filing or responding to let things lapse and take more money from me. 

I can not pay more money than I have and have tried to communicate my parameters and offer as much as I can, but have not been met with reason and then communication just ceased while money continues to be taken from my account. 

I would like to pay these off, but can't do so if they continue to take every penny I make out of my account each month. This is the second month in a row I am unable to pay rent on time and will have to pay additional late fees on all of my bills thanks to XXXX XXXX not doing her job and this firm not being responsive to my requests for communication. 

I no longer live in Colorado so I am unable to appeal to a judge. I also don't receive information in a timely manner in order to deal with these things before it is too late and I'm unexpectedly out thousands of dollars. I am happy to pay monthly to move forward with this, as I've been advised by members of this firm in the past, but I can't deal with unreasonable or predatory people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express Serve : I haven't been able to withdraw money since Saturday ( XX/XX/XXXX ) ; however, it is showing that an ATM withdrawal was made but the ATM declined my transaction. Also, there are completed charges and pending charges for the same purchases on my account. Every time I call in to rectify the issues, I'm placed on a ridiculous long hold. When I did get through, the call was terminated. I sat on the phone an hour to reach a representative. With a planned trip coming up, I can't access my funds and reach anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover card someone opened a secured card in my name I never authorized it and they won't remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I have applied and got approved for a loan. I did not expect the fees to be that high. They are charging me over {$1500.00} for a {$450.00} dollar loan. Each month they pull out about {$110.00} in fees. 

I have paid off my amount for the {$450.00} and more, to have fees this high has left me more in debt and they take advantage of that. I am being threatened fees if I do not pay. 


They have taken payments out each month for {$110.00} starting since XXXX. They took two payments out monthly. They are considered a sovereign nation and are a tribe doing the loans. I believe they are unlicensed. I am trying to get the fees I have paid back due to outrageous amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ameritech Financial
State: AK

Complaint narrative:
I received a letter today on XX/XX/2018 from the Federal Trade Commission. However the letter was dated XX/XX/2018. The letter states that I am a customer of Ameritech Financial or a related company, XXXX XXXX XXXX XXXX  in connection with my student loans. It appears that the Federal Trade Commission has sued Ameritech Financial for deceptive practices. I have been working with Ameritech Financial for a about a year now. Every month they take {$50.00} per month to apply towards my loans to get the rate lowered. I asked Ameritech Financial where was the fifty dollars going every month. I was told that it goes into an account. I got curious again, and called FSA and told them what Ameritech financial said, and FSA said that Ameritech financial can not change the amount of loans that is owed to them. I was told that ; federal Student Aid will charge me a higher rate to pay off my loans. I also received a letter that my renewal is up in XX/XX/XXXX. If that is so, and they have been sued, then how are they going to stay in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent an investigation request to Equifax and XXXX XXXX over two months ago.  They were supposed to respond with the results within 30 days, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX- I received a call at work. They did not want the person who answered the phone to get me just to give me a message. 

Caller XXXX XXXX Reason : " Someone has filed a legal complaint about XXXX. I am trying to stop them from serving papers '' Called from phone # XXXX-XXXX-XXXX  but I was to call back on XXXX-XXXX-XXXX-XXXX.  I called back and he told me that I owed {$3000.00} to Fifth Third ( I have not been with them for 12-15 years and closed account on positive note ) and court cost will be an additional {$2500.00} plus the 29.9 % interest that I keep accruing and if I do not pay I will have a court order delivered to my job in 24-48 hours. I told him go for it because I do not owe Fifth Third. I asked for backup and he could not provide. Also, said he sent papers to my house which I never received. Kept threatening me with my assets said they are being investigated now. Called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was trying to get my annual free credit report on XX/XX/XXXX and ( as usual ) Equifax would not make the report available online. I got the usual " mail us the form with all of your sensitive information on it for us to send you a report ''. I ended up calling the annual free credit report phone number and managed to get a report, but I now have to scan in 28 pages so that I can save the report on my computer. This happens every year and I have never received an explanation from Equifax as to why this happens. This also prevents me from filing a dispute electronically - again forcing me to send in more sensitive personal information. 

This same nonsense has prevented me from signing up for several US government web sites ( like Social Security and the USPS web site ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ameritech Financial
State: CA

Complaint narrative:
I was contacted by Ameritech financial over 2 years ago about having them help me to consolidate my federal student loans and submit the paperwork for loan forgiveness. Since XX/XX/XXXX, I have been making monthly payments to them every single month with the expectation and impression that they would be forwarding the payment to my actual loan service. 

I received a document from the USA Federal Trade Commission stating that the payments I've been making are not being and have not been submitted to my student loan service, and that I should contact them to cancel as well as request a refund. 

I attempted to contact them via customer service phone number and after 3 minutes of being on hold- a busy signal comes on and the call hangs up. I attempted this 5 times. I then called the FTC phone number and per the recording was prompted to contact the CFPV to file a claim since I'm not able to contact Ameritech directly. 

I would like to get my money back so that I am able to make the payment directly to my student loan service, which I thought was being done all along. 

I have made the following payments : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid this card with payment arrangement and settlement with the credit card company and I was offer if i made 4 payments in the amount of XXXX my account will be close and remove from my credit report. It been 2 years since i paid off the account, I tried to disputed in my credit reports and no change has made. Can you please help me with this.

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 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: TX

Complaint narrative:
Ameritech Financial helped me enroll in a loan forgiveness program for being in public service ( I am a XXXX ). They did not disclose to me that there would be a monthly payment to them for their services. I am currently paying them {$100.00} a month through XXXX XXXX XXXX ( XXXX ). 

I received a letter from the Federal Trade Commission stating that they are currently suing Ameritech Financial for deceptive practices. I am acting on the steps included on the letter I received. 

I have contacted Ameritech Financial with the intention of cancelling my account, but they have not called back due to unusually high call volume. It is my intention to seek a refund of the money I have given to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I called my mortgage company, PennyMac USA, about my Loan ( XXXX ) on XX/XX/2018. I'm currently unemployed and asked for a short-term forbearance because I'm struggling to make my payments. I was rejected because I paid XX/XX/2018 and wasn't in default. They said I didn't qualify for a short-term forbearance because I wasn't 3 months behind in my payments. 

I told them I'm trying to be proactive and let them know that I'm struggling financially, but actively looking for full-time work. They said I needed to be 3 months without payment before I could qualify to " not pay. '' I'm afraid that if I don't pay for 3 months, they'll start the foreclosure process. 

Please help. I want to remain in good standing, I'm looking for full-time work, but I need a short term forbearance while I regain income. 

Thank you!

Company response to consumer: Closed with explanation