vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
We closed on our VA mortgage in XXXX of XXXX. For background purposes, our mortgage servicer did not pay our taxes in XX/XX/XXXX nor did they pay them on XX/XX/XXXX. Prior to our paying of our taxes on XX/XX/XXXX, no agency paid our taxes. On XX/XX/XXXX of XXXX, we received a notice from our town tax collector that taxes were past due and that due date was XX/XX/XXXX. I immediately that same day paid those taxes and they were all the taxes that were due for our home. There were no back taxes paid or due, then or now. Next taxes due on the home will be in XX/XX/XXXX. No taxes are due until then. We submitted the receipts for the taxes that we paid to our mortgage servicing company to get a refund from our escrow account. After much struggle and a lot of disinformation from them, we finally received our money back. However, now the mortgage servicer is stating according to RESP regulations they must collect more escrow money to pay our taxes due in XXXX of XXXX. They state that due to a 3 % tax break being offered by our town they must pay it earlier than the due date. Again taxes are due on XXXX XX/XX/XXXX, not before, and this is the date we choose to pay them on. Although I asked for the RESP regulation they were basing their decision on, their representative could not provide it for me. So we researched it and found a RESP regulation that they may be referring to, 1024.17 ( d ) ( 2 ) ( 1 ) ( A ) to have us pay earlier than the due date. We feel they actually violated this same regulation by not complying with it and also 1024.17 ( c ) ( 2 ) were they did not produce an initial escrow analysis that they followed. Also, in the same regulation part K, we put in writing we do not want taxes paid in advance because we cant afford to pay them early. In fact paying them early increases our mortgage some {$140.00} which will jeopardize our ability to even pay the mortgage at this higher rate. So basically the mortgage servicer is now wanting to collect {$1300.00} in what they claim is escrow deficiency to save us roughly {$52.00}. So either they did not do an initial escrow analysis or they did and now in the second year of the mortgage want to change it completely around so as to do us harm. They also in our opinion are purposely dragging their feet so they can cause an escrow deficiency by paying our taxes early in XXXX of XXXX before we can hopefully get them stopped from doing so. There is no shortage if they pay on the due date of XX/XX/XXXX. So a deficiency is what we want to prevent. I am an XXXX XXXX Veteran and my spouse is on a fixed income. So in doing this it would jeopardizes our ability to pay our mortgage, ruining our excellent credit history and putting us out on the street in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: UT

Complaint narrative:
I sent a letter to investigate this bankruptcy thats on My account. I asked that they VERIFY this information whixh they haven't. I sent it certified and notarized. Failure to not verify and or reapond is grounds for deletion. XXXX  has already deleted this. I don't want to have to take this to court but I will if this is not resolved ASAP.

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 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's continues to call my phone back to back after I gave an verbal request no to call me. They call ever hour two and three times an hour repeatly. I already had an issue last month where they submitted an unauthorized payment through my checking account, and at that I requested not to be called but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2019, I submitted three online requests to freeze my credit with each of the three credit  reporting agency ( i.e., XXXX, Experian and XXXX XXXX XXXX. 

In its letter, dated XX/XX/2019, Experian denied my request and requested all the information I provided online again. 

I replied, asking Experian to identify which of the laundry list of items it actually needed, because I had already provided all the requested information. 

In its letter, dated XX/XX/2019, Experian again denied my request and requested all the information I provided online again. 

We repeated this process a few more times and I have had enough. They refuse to put a credit freeze on my account AND refuse to identify which specific piece of information they need to do so. 

This is unacceptable. 

More importantly, given the various data breaches and creidt hacks that have occured, the general rule should be to freeze the credit report until Experian can get confirmation one way or another instead of leaving my credit report exposed.

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 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) unilaterally up-adjusted the monthly payment on my fixed-rate loan. Then it rejected my auto-payment because it was in the incorrect amount. Then it charged my extensive fees for being late on my payment. 

I don't believe it had the contractual authority to up-adjust the monthly payment on a fixed-rate note. Nor do I believe the late fees are justified. 

I was unable to access my account online or reach anyone telephonically. I therefore believe this is all just a loan-servicing scam to route people to incurring additional fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
FOR MONTHS, I HAVE BEEN TRYING TO RESOLVE THIS FRAUDULENT ISSUE. AND I AM NOT SURE WHERE TO GO AT THIS POINT. I HAVE CONTACTED XXXX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REORT, I HAVE BEEN SENDING THEM MY IDENTITY THEFT REPORT. I HAVE ALSO CONTACTED XXXX XXXX   MANY TIMES BUT THEY HAVE NO ANSWERS FOR ME. I KEEP TELLING ME THAT I AM A VICTIM OF AN IDENTITY THEFT, I HAVE NO IDEA WHAT THIS LOAN IS ALL ABOUT OR WHAT AUTO IS ATTACHED TO. THE REPRESENTATIVE AT XXXX XXXX XXXX WILL NOT RELEASE MUCH INFORMATION TO ME, AND I AM STUCK BETWEEN XXXX AND XXXX. HONESTLY THIS IS RIDICULOUS AND NOT FAIR TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Neighborhood Housing Services of Toledo, Inc.
State: OH

Complaint narrative:
My family was defrauded out of our first home. We were discriminated against in lending and foreclosed on leaving a debt of {$80000.00} on my credit report until XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) represented by XXXX XXXX, and XXXX XXXX were sellers of home, held a second mortgage and hired contractor, XXXX XXXX ; Neighborhood Housing the banking system/ first mortgage holder and represented by XXXX XXXX who was the property inspector ; XXXX XXXX XXXX XXXX XXXX XXXX-property inspectors,  signed off all inspections, appropriated state and government funds for housing project ; XXXX XXXX XXXX XXXX XXXX XXXX General Contractor all together were richly rewarded for their malicious efforts. They touted a Complete Rehabilitated home that was uninhabitable and after complaints and requests I paid for many repairs. XXXX XXXX sent various persons who did not do the work promised to complete and they did not honor the one year warranty given. We became displaced and my family of XXXX had to be separated. 
Approximately in XX/XX/XXXX I filed a complaint XXXX XXXX and XXXX XXXX ; XXXX XXXX ; XXXX followed where we had to not only fight for the home but also foreclosure proceedings. After approximately eight years of court proceedings, including the appeals court our Complete Rehabilitated home was considered AS IS.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My Company received a Domestic wire into our business account onXX/XX/XXXX. I went to the bank that day to do a internal transfer from one CHASE account to another CHASE account, both controlled by our company. 

The Location that I went to was XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX The banker that Originally denied me was " XXXX. '' When asked why, he said that the reason was because even though the money was " available '' to me, before they could transfer the funds, it would need to move past " pending '' status in the account. In order to do that, the money needs to sit overnight. When I said that was unacceptable, he went to get his manager " XXXX '' XXXX told me that it was in fact CHASE POLICY that prevented him from moving the funds and that it was the same across all platforms of the bank. He said the reasoning for it was because a wire can be recalled and canceled within 24 hours. However he did inform me that if I went online, maybe I could transfer the funds. When I asked him how it would be possible for me to move the funds by myself if he couldn't do it, he had no response. 

When I asked if this was discretionary, He told me that the decision was final and it was the banks official policy and not his discretion. 

I have worked for this bank for ten years prior and i am very well aware of the policy. 

Chase, like all banks, have a fairly strict " Available funds '' policy. - Meaning if it's in your available funds, you have access to it. There are certain items that will always count towards " available funds '' ( Cash, Internal transfers and Wire Transfers, to name a few ). 

This manager lied to me and prevented me from conducting my business. He would not even check his own policy and placed artificial barriers ( " settle overnight '' ) to ensure his own safety. He had the audacity to say that it was a policy adopted by the entire bank, rather than his own decision. 

My concern is how many other people he has fed this same line to? How many other people had to wait for their own money because this man decided he was going to create an extra rule to prevent people from getting their own money? He could have lied for years and it took someone who actually knows what the policy is to stop this. 

So the concern is that not only did he cause me an extra hour 's worth of work ( finding another branch and talking to a more informed manager, who not only did the transaction, but also apologized for his ill informed colleague ) but his training on his staff, who will repeat the same falsehoods spouted by their manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CITIBANK, N.A.
State: GA

Complaint narrative:
A merchant charged me {$300.00} three times in an unauthorized manner, eventually providing one credit on its own. On or about XX/XX/XXXX of this year, I opened two disputes for the other two amounts. The credit card company, Citi, provided a credit for one of the remaining disputes and mistakenly closed the other one, leaving a disputed amount of {$300.00}. I've called three times to try to get the last dispute handled properly. First, I was told it was too late, and nothing could be done, even though I provided everything requested on a timely basis. I called and another agent found a dispute specialist who told me to submit the documentation again, which I did that day, XX/XX/XXXX. I called two days later to ask if they had the information, and was told that they got my email, but rejected it because everything was not in PDF format - no one told me it needed to be. So, I converted the images to PDF and sent them again. That was on XX/XX/XXXX. I called today to ask if they have the information and was told no. Eventually, the specialist said that he saw my information uploaded to their system - five days later. I asked when I would see a conditional credit and was told I would have a decision about reopening the dispute within 10 business days - still no idea when I will get the credit. Taking five months to correct Citi 's error handling the dispute is completely unacceptable and is compounded by making me submit the same information repeatedly.

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 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
The loan to value on my mortgage is less than 75 % and LoanCare has refused to remove PMI. I called Loancare on XXXX to request removal of PMI. On XX/XX/19, I received a letter dated XX/XX/19 from Loancare stating the request was denied. I called Loancare on XX/XX/19 and it is clear that they are calculating the LTV incorrectly.

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 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have a current mortgage & I'm trying to apply for a Home equity loan. Yet on my report it shows a " Foreclosure '' process back in XX/XX/2017. I was able to make my payments & I am 6 months good on payments to date. I would like to pay the {$150.00} fee ' s & have this Released from my loan. PNC Mortgage stares they can not release it as it has to be released by Washington State. 
Who do I contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc.
State: MD

Complaint narrative:
A notice of cease and desist, as well as a reuest for proof of contract was sent to Aspen National Collections on XX/XX/2019. However, they refuse to respond. Instead harassing and contacting me everyday, a couple times of day since thr date listed on the notification letter, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
I mailed a check to PHH mortgage XXXX XXXX XXXX XXXX, IL XXXX on XX/XX/19 for {$4600.00} to pay off my loan # XXXX. They posted a payment on XX/XX/19 to a suspense account. I have no idea why. They sent me a letter on XXXX saying my money was put in suspense account because it wasn't enough to cover my monthy payment of {$730.00}. Today I received a letter saying my balance was {$4300.00} and I am 2 months behind on my payment. Not sure what kind of a scam they are pulling. I have tried to call them several times - never got through to speak to anyone - gave up after an hour on hold several times. I have faxed them I have sent them a letter to two different address '. Can not get any kind of a response other than a letter saying I am past due HELP PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I filed for Bankruptcy in XX/XX/XXXX. Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ),  XXXX ( $ XXXX/mo ) and XXXX ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not recovered. XXXX at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX  at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX  at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that Nissan/Infiniti reported to XXXX was XX/XX/XXXX. Nissan/Infiniti is still reporting and ruining my life. The current XXXX   report does not reveal the last date reported. XXXX XXXX website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if Nissan/Infiniti had not committed this error. All I know is the Nissan/Infiniti has caused me and my credit status grave damages and this must be rectified immediately if not sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Elite Recovery, LLC
State: MO

Complaint narrative:
I have been receiving robo calls and texts stating that this is a final attempt to reach me before forwarding the file to my place of employment. When I did call back the first time, the man had my social security number and said his company would be adding my spouse to the debt because they could do that in Missouri. He never announced what company he was calling from. XXXX questions asked if I was recording the call or if anyone else was in the room. He was very rude and unprofessional. Offered a " deal '' and when I asked when it would have to be paid he yelled and said he was marking it as a refusal to pay. Received text requesting a return call and I called. This time, " XXXX XXXX '' answered on XX/XX/XXXX about XXXX XXXX CST at XXXX. I told her I have not received any verification of debt. She told me to hold on and she would send it via email. She sent it, but it had some grammar errors and red flags in the letter, so I terminated the call. The letterhead lists the company name as American Elite Recovery.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-25 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have a credit card with barclays credit card company and i was a victim of fraud and ask for the charges to be cleared and the refused to clear the charges even though i sent a police report with the appropriate documentation from the police department and they refuse to clear the charges and the interest and late fees are steadily rising .The charges accumulated on XX/XX/2019 in the amount of XXXX, XX/XX/2019 in the amount of XXXX and XXXX and XX/XX/2019 XXXX with a balance now with late fees they keep adding because i refuse to pay the charges when iam the victim is over XXXX as of XX/XX/2019 and iam sure its even more .When i discovered the fradulant activity i contacted the company and had them to close the account and the didnt want to close they only closed it because the card reached its limit.Please help me resolve this matter and in the future I will never use this company again are recommend this company EVER.

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 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
On XX/XX/2019, XXXX setup appt for XXXX to service my snow thrower. The technician serviced my snow thrower. Afterwards, I paid by credit card and the technician gave me a receipt. I called my credit union to verify the payment was charged on my credit card. I called XXXX customer service to get a receipt and they emailed me a receipt with the technician ID number and the full amount. For the last 3 months, I've been receiving letters from XXXX collection dept. stating that I owe {$120.00}. I just recently received a phone call from The Receivable Management Services LLC. The representative was rude, loud talking me, while I was explaining that paid the amount in full and have proof of payment. The representative hung the phone up on me. Now, they're sending me letters stating I owe the amount. I've sent two ( 2 ) letters and a copy of a receipt from XXXX customer service dept.

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