vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NH

Complaint narrative:
My wife, XXXX XXXX, and I have been working on resolving issues with her Public Student Loan Forgiveness since XX/XX/2018, and since early XX/XX/2018 if you were to count our multiple submissions of her application for her employment to count towards the loan forgiveness program. She currently has her loans through XXXX XXXX XXXX. I have taken the reigns, so to say in regard to helping her with navigating the issues she has been having, but please feel free to reach out to either of us. We have reached out to XXXX XXXX and to the US Dept of Ed 's Ohmbudsman group on numerous occasions ( est 30+ documented calls ), and had opened up cases through both regarding the issues we are having. We keep getting the run around, and neither has diligently worked to resolve our issue we are having. My wife and I believe that she is meeting the qualifications for PSLF based off of the legislation on PSLF that we have found, but they continue to deny us, and are not appropriately responsive as we have requested numerous times. We had asked for a phone call to better articulate the case, and the possible ability to discuss with a person who is legislatively literate, however, no one follows through w/ either XXXX XXXX nor the Ohmbudsman groups- as I mentioned above they keep kicking the responsibility to out of their control, or sending me emails last minute that we simply don't qualify & case closed end of story without truly having someone hear & understand our claim/appeal. My wife is working at a qualifying agency for the required 30+ hours weekly per PSLF guidelines for the past 1.5years. However, they say that since her employer considers her per diem, she needs a second job to qualify. Our issue is that the specific wording of their application, as well as the wording found within the laws themselves would side with my wife and I as being correct that she does in fact qualify for PSLF as is. Neither the Ohmbudsman group nor XXXX XXXX   themselves are acknowledging our issues, and continue to drop us before our claim can be adequately heard or addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: CA

Complaint narrative:
I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested. 

I then called today ( XX/XX/XXXX ) and spoke to ta representative who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Requested validation of debt from Experian credit bureau and was advised by 1 representatives, lets say my name is XX/XX/XXXX a supervisor XXXX that the information was verified but they could not provide proof of the debt. I asked for removal of the creditor, XXXX XXXX XXXX XXXX, XXXX  and XXXX XXXX   and was denied. If validation of the debt can not be provided, I request removal of the inquiries.

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 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have the XXXX card with the higher {$99.00} annual fee. I used my card on XX/XX/XXXX on a XXXX flight and have not received the 50 % and bonus points for in flight purchases.

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 2019-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent XXXX keeps harrassment efforts on over a debt that is 10 years old after repeated demands that they cease and desist.

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 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Card Services has a reward program. To manage the program you have to sign up for their website. 

When you are going through the sign up procedure a terms and conditions pops up that you have to agree to. This terms and conditions is for electronic statements. It has nothing to do with access to the site. 

I missed two payments because of this. TD Bank reversed the late fees but wont change their login procedure. TD Bank wont reverse the late they sent to the credit bureau 's even though the first rep I spoke to was well aware of this problem. 

E-statements are useless to the average customer unless they are accompanied by an E-bill. Which TD Bank doesnt offer. This is a scam at best. Dont bother with their card. 

Who wants to deal with a company that trys to dupe their customers. Wont fix their procedures when an issue is discovered and wont do whats right when its brought to their attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since 2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website. 

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is XXXX. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.

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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since 2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website.

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is XXXX. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XX/XX/19 the Vice President of Human Resources at work received a phone call stating that if I did not call them back today they would have me served either at home or at work. When I called the company back they didn't not give me the mini miranda disclosure they said that there was a pending case against me that included 3 charges. The lady on the phone said that I can be served and settle in court for a large amount. Or I can try and settle out of court but she didn't know if i would qualify for that. But in order to get my case out of pending trial I needed to make a payment that day. I did set up a payment and set up a reoccurring amount. When I asked if they would send me something stating we had a payment arrangement and my payment schedule they stated that the only communication they would send me would be when I finished paying off the amount and my account was paid in full, and in order to receive that letter I had to call them back and request it otherwise nothing would be sent. 

I called back on XX/XX/19 to see if there was any way I could set up lower payments because I would not have the funds available on the second withdraw do to my rent payment. They lady I spoke to today said there was nothing she could do to help me and i stated I'm willing to make payments to pay this back but after I pay rent I may not have enough to cover the payment she stated that if they processed the payment and it failed then they would proceed with court procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My mother was the payee rep and guardian for my XXXX cousins. They are the nieces and nephew of my grandmother who is deceased. In the XXXX 's their parent passed and my mother took over making sure they were cared for. Last year my mom had a XXXX. In XX/XX/XXXX my mom and I went to PNC XXXX branch. She attempted to add me to the accounts for the XXXX cousins, but was told I could not be added. We would need to go to courthouse and get verification of guardianship and payee rep changed. We were afraid of closing the accounts because their social security XXXX checks were direct deposit. We went to social security and they changed me to payee rep as of XX/XX/XXXX. The courthouse had set a date in XXXX to have a hearing for both mom and me to change guardianship, but mom had another XXXX and was in XXXX. Since my mom could not go to court the courts appointed a GuardianAdLitem to represent the XXXX cousins. After she checked out everyone they granted me guardianship on XX/XX/XXXX. I have taken these papers to the PNC bank and they sent them to their legal department. When I check to see if they will allow me access so I can start a new account with me on there to pay the XXXX XXXX and nursing homes they tell me the legal dept denied me. My mom had called them several times, I have been there several times, my sister and my dad all have gone to see if we can get this changed so I can pay the people taking care of the XXXX cousins. My mom use to transfer the money to her account and write a check. Now mom passed away in XXXX and my dad is living with me and he had a XXXX. I am a single mom, work full time and care for my dad. Now they tell me that even if they do give me access they will have to issue a check to the social security office. The Social Security office worker told me to tell them no don't do that because it would take up to 6 months to get another check issued. That will be 8 months their XXXX XXXX would not be paid and I can't pay the pharmacy bills for any of their medicines. I called my House of Rep and they suggested I call a lawyer because this no right. I called the NC Commissioner of Banks and they said they would get a lawyer too and suggested I contact Consumer Financial Protection. I just want to be able to pay the facilities that my cousins are staying at for their services and for their medicines. I have no money to get a lawyer and I have missed a lot of time taking off work just to take care of them and get this straight. Now I understand why families just end up turning their family members over to the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We took out a loan for a condo in XX/XX/XXXX. In XX/XX/XXXX, our mortgage was sold and we had to send documents ( insurance policies and such ) to the new mortgage company. In XX/XX/XXXX our mortgage was sold again to TIAA. They also requested that we provide documents again relating to the mortgage. We have never had an escrow with this mortgage. We just received our first coupon book which includes an escrow amount from one taxing authority ( county ). It also includes an amount for a shortage in this account ( most likely to provide for a surplus since the account balance is XXXX ). My wife spent 45 minutes on the phone with them being switched to multiple people. I finally got on the phone and told them to correct the statement and send us a written document of what transpired. 

We did not ask for or consent for our mortgage to be resold. I selected our original mortgage company based on review of many options, and I am not happy with having to submit documents each time the mortgage is sold. These companies should make sure that any transition does not affect the consumer, and they should be penalized for errors. I have contacted Congressman XXXX XXXX 's office about the larger issue here - mortgages sold and packaged as derivatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
RE : JPMorgan CHASE Loan # XXXX Case # XXXX FHA Case # XXXX XXXX XXXX, my 3rd Party User, received a call from XXXX XXXX, Relationship Manager,  Mortgage Assistance Reapplication Review Team, on XX/XX/XXXX @ XXXX. He missed the call he called back ( XXXX ) gets transferred to Mrs. XXXX XXXX She asks him if there have been any changes since ( XX/XX/XXXX ) circumstances. XXXX doesnt have that file or documents pertaining to that request for short sale to answer if there have been any changes that reflect the current request for short sale. 

What I dont understand is why is CHASE deflecting back to their ( XX/XX/XXXX ) decision not addressing my request to answer the SERVICING AND LOSS MITIGATION, FHAs Pre-Foreclosure Sale ( PSC ) Handbook 4000.1, Sections III.A.2.l.ii. ( B ) ( 1 ) ; III.A.2.l. ( 2 ) ( a ) ( iii ) and III.A.2.l. ( 3 ), the ( minimum 31 days delinquency ) period and marketability of condemned property. My property is not condemned. 

Mrs. XXXX stated to XXXX that he needed to address and wait on XXXX XXXX return call on any FHA Guideline issues : XXXX XXXX, XXXX, Executive Office Research Specialist, Case # XXXX, this is the same response XXXX got from,  XXXX XXXX , Escalations Case Manager on XX/XX/XXXX, to which my loan per Mrs. XXXX is not under Reapplication Review. 

XXXX asked for her Supervisor she stated XXXX " XXXX XXXX XXXX, was the Supervisor. Ive gone from Case Manager to Relationship Manager to Supervisor, Mortgage Assistance Reapplication Review Team. A listing agreement has been submitted to XXXX XXXX. Will anyone address CHASEs apparent violations? 

UNDER PENALTY OF PERJURY, we have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief is true, correct and complete. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX, Homeowners-Borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I have been trying since XXXX XXXX, 2019 to get the second disbursement of my NFIP flood claim funds. My contractor is out of money and we are trying to get back in our home which was destroyed by Hurricane Florence. 
My loan number is XXXX and tracking number XXXX. 
The company is PennyMac, XXXX XXXX XXXX, XXXX XXXX, Ca. 
XXXX and XXXX www.pennymacusa.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX I graduated from from XXXX XXXX College in XXXX, XXXX not knowing their accreditation was in jeopardy and the school overcharged my loans for payment. I then was contacted by a lawyer because other students was suing XXXX XXXX for being overcharged, accreditation issues, and everyone was having problems with gaining employment when they promised to give students assistance with job counselor for employment but never gained employment! Then the school got closed down immediately after I graduated. I was supposed to receive loan forgiveness because the school got closed down and they got sued from XXXX Attorney General. Navient denied me forgiveness & demanded I payed even though I still was in hardship due to employment. I ended up in default and my credit was destroyed and eventually I got garnishment when I did start working. The situation caused me to be lose my house and car! I was then XXXX with my XXXX kids! Im just now getting out of default and school loan amount went from XXXX to XXXX. I've been trying contact XXXX  Attorney General about the lawsuit because this situation ruined my life and hopes and dreams. The Attorney supposedly sued on behalf of students that from this school and won the lawsuit. Since the lawsuit back in XXXX I have relocated to live with my mother in XXXX with my kids! I've been trying to get help with my situation because the school got closed and was sued!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I applied for two refinances with XXXX XXXX, and I decided I would go with another lender due to the slow response so I withdrew the loans. I had given my credit card so an appraisal could be ordered BUT when the XXXX called I told him I was not going through with the transaction so he cancelled the order and I also notified XXXX. The Processor called me over 3 weeks ago and confirmed she would confirm when they were going to credit back my credit card since the appraisal was never performed and I have never heard back and I also have left two messages for the XXXX to please contact me back on when I will be getting my appraisal fee refunded and have not heard back. I have two other loans with XXXX from previous refinances but now no one will get back with me on crediting back an appraisal fee of {$720.00} on these ( again never was done, XXXX was told when he called to schedule I was withdrawing the loans so he cancelled the order )

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