vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
I began a divorce with my former spouse inXX/XX/XXXXXXXX, and we jointly initiated and signed all documents for a title transfer and a mortgage assumption of our home into my name alone. USAA is the institution handling the mortgage that was underwritten by XXXX throughout the process of the initial assumption. The divorce finalized in early XX/XX/XXXX and the completed assumption package with all paid fees ( {$350.00} ) and necessary documents was received and confirmed accepted inXX/XX/XXXX. I confirmed this through USAA and obtained a copy of the completed package. Many months went by with no word on the assumption. I was later contacted in XXXX and XX/XX/XXXX by a XXXX representative asking for updated documents for running credit history as the provided documents in the assumption package were now outdated from their company not processing the package. All documents were promptly provided. Again no progress was made for several months. I was informed over the phone by the special loans department that the representative that contacted me no longer worked in their office, and no one was aware of the status of my assumption. 

Sometime in the following months the mortgage was sold to XXXX without any notification. I was then forced to restart the assumption process through their company with entirely new documents in XXXX to XX/XX/XXXX. By the end ofXX/XX/XXXX, I was informed by the Research Department of USAA that the new assumption package was fully accepted, and their office was awaiting closing documents to be sent back from the underwriter. Between XXXX andXX/XX/XXXX I have had numerous email conversations regarding the progress, which has resulted in the same response each time, that they are awaiting closing documents. In XX/XX/XXXX I requested contact information for a manager or director. The number provided does not answer, and does not return calls when messages are left. 10-15 attempts were made over 2 months. My most resent email sent onXX/XX/XXXX has yet to be returned. I have copies of all email correspondence, assumption documents, and notes regarding most phone contacts with names and dates. 

Their office ( USAA Research Department ) does not provide phone numbers, and instead utilizes an organization email address. They appear to either be deliberately not processing my assumption, or are failing to do so out of extreme negligence. I am requesting assistance to get this assumption completed, as my attempts to do so alone have been unsuccessful now for 2 years despite taking all necessary steps two times over. I am certainly not the first military member to get divorced and assume a mortgage through USAA or its affiliates, this should have taken 30 days, not 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Additional documents to go along with original complaint that was submitted via the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I purchased a car using XXXX XXXX on XXXX/XXXX/XXXX and I had a wreck where my car was totaled and my GAP insurance paid this car off in 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 2017-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I filed and completed a Deed in Lieu of Foreclosure in XXXX with XXXX. They also issued a XXXX " Cancellation of Debt '' which was recorded on my XXXX IRS Tax Forms. XXXX was negligent in filing the Deed in Lieu of Foreclosure documents with XXXX XXXX Assessor of Property and Tax Accessor 's Office. The Clerk 's offices show that I own the property at : XXXX XXXX XXXX XXXX, TN XXXX free and clear of any lien and that the property is deeded in my name. I believe this to be in error because I ca n't fathom the lienholder willing to give me the property mentioned herein, especially after filing and both parties agreeing to Deed in Lieu of Foreclosure. XXXX or XXXX XXXX XXXX transferred service to LoanCare. I have requested and have proof of my request to communicate in writing, via email. They refuse to do so. They also do not want me recording the phone conversation if I call. My preferred method of communication is email. 

Furthermore, XXXX called me on XXXX XXXX, XXXX, she stated the following in speaking to both my wife and I on speakerphone : 1. In 30-60 days, when everything is finalized, LoanCare will record the " account settled and nothing due '' on my credit history. 

2. In 30-60 days, LoanCare would file the proper Deed in Lieu of Foreclosure documentation with XXXX XXXX Tax Accessors Office and XXXX XXXX Clerk 's Office. As previously stated via email on XXXX XXXX XXXX, those offices ' records show I own the property free and clear of any lien with the property in my name. These issues are to be fixed in the 30-60 day timeframe. 

3. I am to email a copy of the XXXX XXXX Tax Statement to LoanCare for payment.

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 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
My mortgage provider has refused to cancel my PMI now that the loan to value is below 78 %. They are demanding that I get an appraisal and that the percentage of automatic removal is based on the age of the loan. 

In accordance with the HPA and CFPB Bulletin XX/XX/XXXX-XX/XX/XXXX they are required to cancel my PMI at 78 % of original value at anytime it occurs.

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 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc.
State: WY

Complaint narrative:
National Enterprise Solutions is calling my employer every day. One day they refuse to leave a message for me. The next day they say that I better call them back or legal action will be taken against me. I work a graveyard shift, so I am never at work when they call there. They have not contacted me at my personal number or by mail. They are just harassing my employer.

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 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.

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 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
XXXX XXXX, XXXX. My wife and I are XXXX and live at XXXX XXXX XXXX, The Villages XXXX. I am a XXXX XXXX and was simply attempting to refinance my home to pull some additional cash out on a new VA loan to complete final home XXXX. 
I had refinanced almost 2 years earlier and pulled almost {$100000.00} of cash out of equity on a VA loan to install hardwood flooring throughout, a 16X20 fully functional square footage screened in XXXX, new paint throughout, irrigation system, landscaping, etc. My VA appraiser then was XXXX XXXX, assigned by the VA to appraise my home on the golf course and her result 17 months ago was {$320000.00}. That was fine as I took the cash and made the over {$50000.00} in improvements. 2 months ago, we decided to do our last refinance and pull additional cash out to install a gourmet kitchen, bathrooms, etc. The bank was Flagstar Bank that we applied with. Two men showed up to appraise our home in a pick-up truck one named XXXX XXXX and the other did not identify himself yet they both handed me XXXX XXXX cards and said they were also Realtors. Does n't that violate Dodd/Frank or Respa?? They paid no attention when I tried to show them the improvements that I had made and the XXXX I planned to make and were in my home for no more than 8 minutes. Being a retired real estate appraiser, I gave them some information concerning comps to make their job easier yet they did not bother to look at or take the documentation with them. In closing, 15 days later, Flagstar Bank notifies me that my appraisal was complete and the value was {$250000.00}. The comps that were used were all over 1 mile away, one was a short sale and one was a XXXX. These guys simply " mailed this appraisal in '' for lack of a better word. In closing, I will be notifying the VA today with complaints and a re-consideration of value as I have evidence of 8, YES, 8 sold comps within .35 miles of my home, on the golf course that have all sold within the last 4 months for in excess of {$370000.00}. These men should not be licensed real estate appraisers but rather they should be used car  salesman. In closing, XXXX XXXX, approved by the VA is going to appraise my home again per my request. Being a retired Executive from XXXX XXXX, XXXX, I will be writing to my former neighbor and now the Secretary of HUD, XXXX XXXX XXXX. I feel like my wife and I were taken advantage of for {$450.00} as the appraisers would not speak to us as I am XXXX XXXX XXXX and my wife is XXXX, not to mention only providing 3 comps on their valuation that were horrible, far away, inferior and useless. Please reach out to me at XXXX XXXX XXXX so I can provide you with all of my additional documentation. XXXX XXXX. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have three student loans that are through Navient, all three loans are in Forbearance but they show late payments on XX/XX/XXXX,XX/XX/XXXX during that two month time all three loans were in forbearance as they were in the months before and after those dates. I 've made numerous attempts to correct this issue. These late payments are really affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was involved in a scam and was scammed out of XXXX for a loan and in return given a bogus check for XXXX and was to give back XXXX. I against my better judgement deposited the check on Monday and then a few days ( weds ) later I called the bank to alert them that the Check might not be real and that I was scammed. I spoke with the first customer service rep who told me that all this could be resolved and to file a claim and that I could keep my account opened. So I filed a claim with the claims department and they advised the Check would be removed. Received a letter on this tues if the claim being completed and approved, I called back again on ( weds ) Was told I my account was only restricted and once the claim was processed it would be opened again. Then Thursday the check was still there. I called again and was sent to claims then to deposit team and told that the check would have to verified but I explained what happened and that I wanted it removed because of the scam. I again was told it would be removed the next day and then the account would be open. Then the next day Friday deposit department says the account is closed. And my direct deposit was sent back to my employer and I call my employer it was not. Call chase again on Monday XXXX and my direct deposit is there but being held. Then the rep said you can go to bank and open a new account. Go in branch and told they would research and then would let me know and then branch manger says there is nothing he can do. This Bank is so fraudulent and everyone is all over the place. I pay my bills and rent via my account have been a week without money because I was scammed. And I am the only one who lost money not the Bank, me. I want a new checking account or my old account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: NY

Complaint narrative:
I am a XXXX XXXX whose policy coveres 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to medicade at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill Medicade properly, to both the Hospital and Collection agency. They keep reporting the same Negitive information on my credit report after taking the billing payment information. 

Being that I am a XXXX XXXX with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with Medicaid and the accounts to show payment in full according to the following federal regulations : When you provide services to a Medicaid member from another state, you must accept that states Medicaid allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state Medicaid members for any amounts in excess of the Medicaid-allowed amount for Medicaid-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX did my Hard credit check without my Authorization.I didnt gave any authorization either orally or written to do my credit check.

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 2017-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I opened the account over telephone through a personal banker. During the phone call, the banker applied a special offer where I was to receive a {$250.00} bonus upon completing the terms of the offer. The terms stated that I had to do one of the two following things : 1 ) Receive direct deposits totaling {$500.00} or more OR 2 ) Make at least {$250.00} in debit card purchases I completed the {$250.00} debit card purchase on XX/XX/XXXX which was within the 60 days of account opening.
It is nowXX/XX/XXXX, and I have not received my {$250.00} bonus. I 'm sure that all telephone conversations are recorded and, as such, I demand that the terms of this offer be honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I became become totally and permanently XXXX shortly after I graduated from the art XXXX of tampa. I wanted to stop before I graduated because of my illness but the school assured me it would be fine. So I continued and was given extra time for my assignments and was able to miss classes. Both of which are not something an employer would tolerate. So my Federal loans, also taken out with XXXX XXXX were XXXX in XXXX, due to my ruling of TPD, but my XXXX private loans held now by Navient defaulted and are in collections with XXXX XXXX systems on behalf of Navient XXXX. I have been unable to get any information on any discharge options from Navient XXXX. This process has and continues to cause me a great deal of stress and anxiety due to the size of my debt and my cognitive issues related to my XXXX. The stress worsens my condition and has caused my condition to worsen as a result. I am continually told I have no recourse for these loans and I will XXXX with this debt. I am XXXX XXXX XXXX and I do not feel a company should be able to treat someone like this for something they have absolutely no control over. Navient offers no solutions for borrowers in my situation. I want nothing more than to not to be sick and to be able to work and follow my dreams so that I can pay off my loans. This is in no way fun for me or something I even want to do. There is a lot of shame associated with this for me, and both companies have blamed me for this. So when I have to deal with these companies which is hard for me as I am not cognitively with it at all times, they tend to speak very fast I miss things and they get angry over the phone with me. This is a horrible situation in which I have no control over anything. The companies are blaming me and taking money from a person who has none.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
So Best Buy credit card with My Debt protection they have charged me since 2005 plus to crazy fees if you do n't pay within the promotion I have tried with them they sent me All Forms After I reported it First Time to Say so se I have had 9 yes 9 XXXX sinse they charged Me For a service I never wanted and charging me crazy fees they said maybe I qualify for them re relieve my debt and then they also stated I never called Them witch to me Is sp Upsetting I 've had to struggle a lot of the years being XXXX have my XXXX XXXX and having it be a XXXX I called bestbuy cuz I had all Of XXXX in my bank and I saw my statement for my Credit Line that was only XXXX was at XXXX and oh ya I have n't got anything from there for so long so I well recovering called them and they said if I could pay XXXX they could take anyway all fees and then they said they make a note of it that we talked cuz I did n't have XXXX and I was n't working and I did n't know I was being charged for. Service that should have been offered to help me but instead they said I did n't call and it 's my fault I 'm so upset how can you fix this stuff is a company is able to take an XXXX year old give you a line of Credit charge you a service you did n't ask for them add crazy feeez on top Of your bill but yet you do n't use the charge and you somehow went over your credit it 's just insane

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 2017-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Car Care One account closed on XXXX XXXX, XXXX for no apparent reason.

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 2017-10-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear Trans Union : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX 2017. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute Trans Union has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX Illegal credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

Trans Union needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.

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