vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
My name is  XXXX   XXXX . I applied for the Tennesse e Housing Development PRRPLE Program.   This is a mortgage reduction program that assist homeowners who have had a major change in their life such as divorce or death of a spouse. My husband died  XXXX / XXXX /  XXXX  . Due to my loss of income, I applied for this program submitting documentation over  a 2 1/2  month period. I received a certified letter stating that my mortgage compan y, Penny MAC USA w ere not willing to accept the terms of the agreement. They wanted the {$40000.00} but only wanted to do a curtailment. They will not reduce the monthly payment and rewrite the terms which is a requirement for the  PRRPLE  PROGRAM. I have reached out to state and federal representatives. I was told to write your office to see if there is more that can be done. I need help. My monthly income in  XXXX . My mortgage payment alone is  XXXX . This program would be a  XXXX  send for the circumstances that I currently face.   Can you help me?    XXXX  APPLICATION NUMBER :  XXXX   PENNYMAC USA LO AN NUMBER :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: KS

Complaint narrative:
Rent recovery solutions is collecting a debt on    XXXX   XXXX   XXXX   XXXX   behalf. I w as not notified of the debt until after it was filed through Rent Recovery Solutions. I am paying on this debt monthly and has requested a print out of some sort showing this. The  Federal  Trades commission guarantees the right to have  a paper trail of what you are paying. I can not find a place for my children and I to live without this. Please help as soon as possible. When I speak with certain people for this company they attempt to over talk me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Repeated request for documentation that has been provided during a lengthy loss mitigation review with my lender, Ditech. Previous concerns as they had failed to acknowledge of my denial under " Keeping your home California '' program in the month of  XXXX ,  XXXX . Since  XXXX  of  XXXX , I have applied under a new review with Ditech and my file was closed out in  XXXX  due to " request for cancellation '' This is false, as I have never requested such thing to jeopardize my foreclosure. I am now again, in an active review, but am being asked for documentation again that I have provided via mail as I want to ensure this problem is resolved. No matter what I do, I feel as if I am being rejected from my cry out for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I became aware of a fraudulent transaction of {$87.00} charged to my debit card on  XXXX   XXXX  by  XXXX . I called my ban k ( Chase ) o n  XXXX   XXXX  to clear this up and was told that I would be given a temporary credit for said amount until an investigation was conducted. Today, on  XXXX   XXXX ,   XXXX  ,  Chase  decided to reverse the credit. I contacted the bank and the representative told me that  XXXX  provided my name and address and said that it was strong evidence that the transaction was legit. I feel that this is merely evidence that my information was stolen. I have never made a single purchase from  XXXX . Furthermore, I use my debit card daily for so many things and would not lie abou t this one transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NATIONSTAR MORTGAGE LLC
State: IA

Complaint narrative:
Okay, so I am getting  XXXX  tired of dealing with this. I filed a complaint  XXXX  after NUMEROUS attempts to get it resolved directly with the mortgage company. After having the complaint forwarded to them from you, they finally figured out they were wrong the entire time. They admitted as much in the complaint and agreed to start reporting this m onth (  XXXX  2017  ). Here is the problem, you guys just closed the complaint without asking me if it was resolved, which its not. Here 's why- I should several years of on time payments reported with this account which would significantly improve my  credit score by increasing the average length of credit accounts, and % of on time payments. So the issue is still not resolved, and i 'm trying to figure out why nobody consulted me before closing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TN

Complaint narrative:
Hi, I purchased a {$500.00} prepaid Debit Visa gift card  ( US Bank )  on  XXXX   XXXX   XXXX  from  XXXX  #  XXXX   XXXX  TN. The Card is valid through  XXXX . The card has not been signed and, AUTHORIZED SIGNATURE NOT VALID UNLSESS SIGNED is printed on the back of the card.     I tried to use the card on  XXXX  to buy furniture at   XXXX   XXXX  . The card was declined and the card had a   XXXX   balance on checking it online login and then calling to  XXXX  on  XXXX / XXXX / XXXX , I also requested to report a complain which the agent had to do it on her end but never got a response.     The card had a $   XXXX   monthly fee for inactivation. I still should have {$350.00} balance if the  XXXX  $ fee was charged for 5 years.     My husband tried calling the customer service number on the credit card but that didnt yield anything. They were able to tell the card was used 8 times but ; however, they could not provide any transaction details because that information had been purged due to being past 12 months in age.

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 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
The company refuses to cancel PMI on my mortgage after many requests. The current loan to value ratio is .69 %. The requirement for them to cancel PMI is .78 % and below. I spoke to someone at the company and was told that the company needed an apprasisal. I was specifically told that I can hire my own appraiser, which I did. After I sent the appraisal to Ocwen, they told me they would not accept it because I did n't use their authorized appraiser.
As I mentioned, in a previous call to Ocwen, I was told by an Ocwen representative that I could hire my own appraiser. My appraiser is certified with the State of NJ. The appraisal dated XXXX XXXX, 2017 is attached.
Appraised Value of House {$460000.00} Loan Amount {$320000.00} LTV .69 %

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
A woman keeps calling saying she is a representative for  XXXX  and Northstar. She says she is calling in regards to a matter between my wife and her stepfather.     She asks for my address, my wife 's phone number, and her social.     I keep asking what this is about, and the lady tells me if I give her the before mentioned information she will then and only then let me know. The lady is very aggressive in trying to get the information from me. She has called repeatedly and I have asked for them to stop.     I keep explaining that I am not comfortable giving personal information over the phone.     The last call the lady got very angry with me and was close to yelling and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My HELOC with XXXX XXXX XXXX termed out XX/XX/XXXX and at end of term XXXX XXXX sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called XXXX XXXX XXXX for guidance. I was told by a representative to continue making monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from XX/XX/XXXX - XX/XX/XXXX. I then called the XXXX XXXX customer service line. The XXXX XXXX XXXX  representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact XXXX XXXX who called customer service on my behalf many times. Then Huntington Bank took over XXXX XXXX XXXX and now many of the personnel familiar with my situation are no longer employed by Huntington Bank. Luckily my XXXX XXXX branch contact XXXX XXXX is still with Huntington Bank. XXXX has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected. Huntington Bank has since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internally, Huntington Bank knows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XXXX/XXXX/2017 I opened the US Bank XXXX XXXX card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it twice, one is for a computer purchase on XXXX with the amount of {$4700.00}. And on XXXX, I used it to pay for the tax/fee of 2 airline tickets, which is {$5.00} each. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash  equivalents ''. I only have these 3 charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a CFPB or BBB complaint if you want '', sound like US Bank does not care at all.

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 2017-06-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until  XXXX . This is on some items first incorrectly reported in  XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.

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 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Dear Banking  and Financial Dept Re garding Primary resident.  XXXX   XXXX   XXXX ,  XXXX   XXXX  GA  XXXX .    XXXX   XXXX  and  ( SPS Select Portfolio Service ) ref used to provide a monthly Statement.     I am writing this letter because of the unlaw act from both financial Intuitions.  XXXX   XXXX  and  ( SPS Select Portfolio Service ) will not  provide mine  XXXX  Mortgage Statement.  XXXX   XXXX  refused because  ( SPS Select Portfolio Service ) is  now servicing my mortgage loa n. ( a s of  XXXX   XXXX ,  2017  ).      XXXX   XXXX  is still my mortgage holder bu t ( SPS Select Portfolio Service ) is se rvicing mine Loan. I called  XXXX   XXXX  last week for  XXXX  Mortage Statement and printout of payment history. The representative stated  XXXX  will not able to provide me with  XXXX  Mortgage Statement or further statements. Because,  XXXX   XXXX  transferred my account to be ser vice by ( SPS Select Portfolio Service )   XXXX   XXXX ,    2017   XXXX   XXXX  emailed me a copy of my payment history, ( Up to  XXXX     2017  ) which in excellent standing ( NO Lates ) I contact ( SPS Select Portfolio Service ) on  XXXX / XXXX / 2017  for mine  XXXX  Mortgage. Spoke with ID  XXXX  and  XXXX   XXXX   XXXX  supervisor, both stated I will never receive a Monthly Statement, because of old 10 years BK. I informed both representatives  XXXX   XXXX  sent Mortgage statement every month.     I informe d both ( SPS Select Portfolio Service )  representatives, that  XXXX   XXXX  always provided detail monthly statements,  XXXX   XXXX , a supervisor stated I will need to call in every month  for details. Plus I will NEVER receive a detail monthly statement. In additions, It 's my responsibility to call ( SPS Select Portfolio Service ) each month for my payments. SPS Select Portfolio Service will let know mine payment amount by PHONE ONLY.      I also request f or ( SPS Select Portfolio Service ) n ot share my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
Case number :  XXXX  was never resolved. There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
My husband passed away and I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney submitted a complete financial application on X/XX/2017. Since that date Bayview has been sitting on my paperwork and allowing it to expire and then asking for updated paperwork again over and over. They have had a complete file now at least twice since X/17. My attorney states they are stalling purposely and evading review by asking for updated paperwork over and over. According to my attorney they are violating RESPA Regulation X ( 1024 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We have been working on a short sale for this client for over 6 months. In XX/XX/XXXX we submitted an offer for the short sale review. It has taken the lender since then to issue the FHA Approval to Participate, and they issued it with a requirement for a seller cash contribution of over {$14000.00}. The borrowers simply do not have this kind of money laying around. I asked how they calculated this amount and was told they were looking at the bank account balances. When I totaled everything, the assets were closer to {$20000.00} than the {$79000.00} the lender thinks the borrower has on hand. They then calculate a percentage of this for the contribution requirement. The cash contribution should be more in the neighborhood of {$2500.00} based on current bank balances, however the lender says they based the numbers on the XX/XX/XXXX bank statements. In one account in XXXX there was a {$38000.00} deposit made. That was from the sale of a business truck when the borrowers had to close down their failing business. They owed the franchise company ( XXXX XXXX ) for inventory and {$24000.00} of that was paid out to XXXX within a couple of weeks. This payment was reflected on their XXXX bank statement which was submitted to the lender at the same time as the XXXX statement. So the lender could see from day one that this borrower did not have that money any longer. Still, they used that amount in their calculation. The borrower is facing certain foreclosure due to this because they do not have {$14000.00} to pay at closing and can not borrow it from anyone. We need the lender to recalculate the contribution amount so we can get the short sale offer approved and move to closing

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 2017-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have been attempting to work  with Amazon ( Synchrony ) Store Card fo r over a year now. I have called multiple times to discuss misleading advertising regarding their advertised percentage off purchase through them, predatory late fee s ( which they enact one s econd past  XXXX   XXXX  EST on due date ), rude, unhelpful, or non-understandable customer service, and refusal to transfer me to the right department to resolve my issues. When I tried to work out a payment plan when they refused to drop a false late fee, I agreed to the plan as long as they could guarantee that they would stop reporting to the credit bureaus as I was truly attempting to pay off my small debt. They have said, in all instances, " there is nothing we can do '' as well as " we will continue to report even if you make your agreed payments on the hardship plan. '' The most notable issue started when I could n't pay them when I tried because their web server glitched   for two months in a row in 2016. Their main attitude is that they simply do not want to work with their customers or provide customer satisfaction.
Note : I have contacted   XXXX   as well, and this complaint in no way reflects   XXXX   's excellent customer experience. Synchrony bank on my other accounts with other companies has also been easy to deal with as far as payments, truthful advertising, and friendly and helpful customer service. The Amazon Synchrony Store Card is engaging in predatory lending and misleading advertising.

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 monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Requested by certified mail  XXXX  17that  I receive the original promissory notes to validate the debt, and also that communication be done in written format only. I have not received any communication back from them since. They received the certified mail  XXXX / XXXX / 17 . I received a phone call today on  XXXX / XXXX / 17  (  XXXX   XXXX   XXXX  at  XXXX  even after I requested document only communication, harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MO

Complaint narrative:
I was travelling in XXXX during the week of XXXX XXXX to the XXXX. Currently, XXXX does not conduct business with America banks or financial institutions which means my credit cards and ATM cards were useless. As a result, I had no money so I reached out to friends to send money via Western Union. XXXX sent {$540.00} XXXX XXXX as you can see from the screen shot attached. However, I was not able to receive the wire because I was told that only XXXX citizens can receive money via Western Union. Over the past 2 weeks, XXXX and I have made at least 10 phone calls and we get nothing but the run-around. They have not refunded his bank, nor will they allow me to pick up the wire at any local Western Uniuon locations. We 're both about ready to lose our minds. Any help you can give us would be tremendously appreciated.

Company response to consumer: Closed with explanation