vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation
State: WA

Complaint narrative:
MY Husband and I had a 2nd time trying yo get a home trough Academy Mortgage  with XXXX XXXX XXXX XXXX # cl XXXX I called to voice my concerns about the proceas since this is my first time buying a home, didnt yell and didnt accused just needed answer, the next day he said he will not help us, So im am not allowed to ask questions to get c clarification, He sent me a very unprofessional email. Instead of teaching he rather not help them understand. This reason for my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
Mortgage was held by Stearns Lending in my wife 's name only. ( Both our names were on the house title. ) My wife passed away in XX/XX/XXXX and Stearns was notified. The mortgagor 's name was changed to " The Estate of ... ''. I continued making the mortgage payments under this arrangement until XX/XX/XXXX when I bought the loan from Stearns. Stearns sent a check to The Estate of in the amount of {$1000.00} which I believe was a refund of funds impounded for property taxes. I spoke with a Stearns representative on XX/XX/XXXX and asked that the check be reissued in my name. The rep was to send an email to their Escrow Department. A month passed and there was no communication from Stearns. I called again on XX/XX/XXXX and spoke to another representative. She acknowledged my previous call about this issue. After she consulted with a supervisor, I was told that the check could not be reissued in my name since I was not the mortgagor. She said that the loan was not assumable, which is true. I asked what would happen to the money I paid for property taxes and she did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I requested my TransUnion Rental Screening Report and I received a letter stating that my birth date and social security number and copy of photo identification was needed before producing/providing said report. I submitted a generic form with my birth date and social security number and full name on it including a request/authorization in-print and any applicable addresses and I do not understand why I received the letter that I did. TransUnion REFUSED to give me my report when I know that they possess adequate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: U.S. BANCORP
State: NY

Complaint narrative:
XXXX XXXX cards, please go to the website. issued a XXXX XXXX XXXX XXXX XXXX to me XXXX XXXX XXXX but would not deliver it to me. Instead the card went to several other people- Identity Theft. XXXX and XXXX were asked by justice and law enforcement and by cfpb to personally deliver the card to me. They have not done so. The damages are enormous from the identity theft and from not being able to use the card myself. I can be found at The XXXX XXXX XXXX XXXX in lower XXXX just a few feet away from XXXX XXXX. 
CFPB try extremely hard to have XXXX personally deliver the card to me, XXXX XXXX XXXX. You know that it is breaking the rules far too much what credit card companies have done to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: IN

Complaint narrative:
I contacted Experian Credit Bureau and opened an investigation into an inaccurate Bankruptcy filing in XX/XX/XXXX and associated incorrect address. The dispute was submitted on XX/XX/XXXX. I explained that this account has been disputed several times, and I requested a thorough investigation. 

Experian replied 2 days later ( XX/XX/XXXX ) and stated that the information was verified and will remain. 

I contacted Experian immediately on XX/XX/XXXX, and they stated a " third party provider '' provided the information. However, they advised that they could not tell me who that third party provider was. 

This is seriously affecting my ability to buy a home for my family, and I need help getting it resolved. 

I am more than happy to provide any additional information that may be required. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
i became aware when I checked my credit report that these debt collector under the name, AD ASTRA Recovery Services Incorporated that I owed this debt is incorrect and I do not owe {$310.00}, I have sent a notice of state and federal validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC
State: LA

Complaint narrative:
I requested my consumer report from CoreLogic and they responded with a letter demanding the same information in addition to identification. My original inquiry included the following : My full name, Addresses, DOB, SSN, and a request in-print to obtain my credit report. Those things are sufficient to search the systems. They refused to provide my report without collecting additional unnecessary information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Ability Recovery Services, LLC
State: CA

Complaint narrative:
In XX/XX/2016 I enrolled for a program through XXXX XXXX for XXXX tech when enrolling they stated I had 30 days to cancel. Before my 30 days up i called and stated I was no longer intrested in the program and asked if it culd be cancelled and the represenative stated that it was ok. So I left it was that.. and a year later come to find out the account was sent to collections, first I went through one agency then later that was removed from my credit report which was a relief because I had told them to cancel it. But now its showing up on my credit report through a now diffrent collection agency who kepts reporting om my credit. The name of the agency is " ABILITY RECOVERY SERVICES , LLC. The original creditor is XXXX XXXX ... I do not have account info becuase i disgarded all the paper. APPRECIATE YOUR ASSISTANCE!! 
email address is 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 2018-04-13 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I opened an Amex Gold card account in XX/XX/XXXX. One of the advertised benefits is a {$100.00} airline credit, payable against charges including flight change fees. 

In XX/XX/XXXX I was offered the opportunity to upgrade to a Platinum card. I did so. In doing so I was promised a {$200.00} credit for airline incidentals. This reminded me of the {$100.00} I had been promised for incidentals on the Gold card. 

During XX/XX/XXXX I incurred at least two flight change fees, which Amex lists as eligible charges for the purpose of their airline incidentals credit. However, I could not see any credit for {$100.00}, or any other amount. I have attached an email showing one of the flight change fees of {$450.00}, which was incurred on XX/XX/XXXX. There was also an additional fare collection, thus the total amount charged was {$490.00}. I have several other examples I can share. 

I brought this issue to their attention today ( XX/XX/XXXX ) and was told that it was too late to dispute the non-credit of {$100.00}, because it applied to XX/XX/XXXX. I engaged in a lengthy chat ( see attached transcript ), with this line being the last they sent on the matter : " Since XX/XX/XXXX has been over, we would not get an option to do that. That's a reason we would not be able to do it ''.

This seems extraordinary. According to their policy, a card member could incur charges on XX/XX/XXXX, not receive the credit, then be told, " sorry, it's too late - the year has ended ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have tried to contact TransUnion and XXXX by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card in XX/XX/2010. At one point it was reporting with all three company 's. For some reason Transunion deleted it and so did XXXX. XXXX is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to Transunion two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The XXXX account does not belong to me.

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 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld keeps calling our home number looking for someone who does not live there and has never been associated with anyone in my family. We have asked numerous times to be placed on their do not call list. They say it takes 24 hours to have you removed yet its been 5 days since the last request and they still call every day. I've ask to talk to managers and I get the same story, it takes 24 hours yet they keep calling more than 24 hours later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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:
I have tried to contact XXXX and Experian by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card inXX/XX/2010. At one point it was reporting with all three company 's. For some reason XX/XX/XXXX deleted it and so did Experian. XXXX  is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to XXXX two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy

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 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
- I currently have a mortgage with a balance of XXXX as of XX/XX/XXXX, held by PNC - At purchase the home was valued at {$520000.00}, XX/XX/XXXX - Since purchase we spent ~ $ XXXX making updates to the interior including re-arranging the floor plan of the unit to add a walk-in closet to the master suite , opening living room, and adding a 13 ' x 7 ' room with a mounted wardrobe ( closet ) and windows as my son 's nursery - After these updates plus monitoring the market in our neighborhood we believed we were below the 80 % LTV required for PMI removal, a payment of {$120.00} per month - PNC required me to pay {$500.00} to use their recommended appraiser, which I did - PNC sent documentation outlining the value required to remove PMI would be ~ {$560000.00} - The appraiser was unable to accommodate a schedule where I would be home, so we left a key and the appraiser evaluated the unit while I was not home as agreed - The appraisal came in at {$560000.00} and also concluded there was no work completed on the unit - PNC then denied our claim for PMI removal due to the 19.91 % equity and stated that since we did not own the unit for 2 years and they defined no work having been completed we would need to make a principal payment of XXXX {$38000.00} to remove PMI - Our appraised value was within 0.09 % of 80 % LTV and our monthly principal payment is ~ {$730.00} which should allow us to hit the 80 % within a month - I attempted to call PNC on MondayXX/XX/XXXX where they told me the PMI team does not take calls and would respond in writing, the response would be available digitally XX/XX/XXXX if I were to call in - During this call I requested repeatedly to speak with a person who could assist, they declined - I called back Friday XX/XX/XXXX at which point they said the PMI team was 'behind ' and they could not offer a solution - I said I would not accept not speaking to a person with no resolution, they said they put in a request for a supervisor to call me back within 1 business day -- despite not offering this option on Monday - I then said I wanted to wait on hold, that was not an option supervisors were on calls - I then said I would wait for call back however in the mean time I was going to contact possible legal resources and the CFPB at which point they 'escalated ' meaning a more senior person would call me within 7 business days - I am hoping to resolve this quickly, after my XX/XX/XXXX payment I will have 20 % equity in my home based on the PNC appraisal I want PMI removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have been trying to do a mortgage modification with my lender Chase sinceXX/XX/XXXX. I have been unsuccessful with them since my ex-husband 's name is on the deed of trust. My ex-husband is in XXXX for domestic abuse. I applied for a modification due to financial hardship and falling behind on my mortgage payments when I first had him removed from our home. Since then I have been able to repair my financial situation and want to make good on my mortgage, however Chase is being very uncooperative. They will not grant a modification due to his name being on the Deed. I have explained that he is in XXXX  and refuses to sign and quit claim deed or power of attorney. My attorney has tried to threaten him with legal action, however he does not care. My attorney, the title company 's attorney and the mortgage specialist at Chase spoke at one point in XX/XX/XXXX and said if I signed a quit claim deed from my married self to my single self, and had that recorded with my divorce decree which clearly shows I was awarded the property, they would remove him from the deed. I did all of this and provided the original recorded copies to Chase. Chase is still refusing to do the modification work and is still asking me for a Quit Claim deed to be signed by my ex-husband. I have escalate this to the executive office and they were no help and have told me their research is closed as of XX/XX/XXXX and I need to provide the quit claim deed, along with proof of child support and alimony payments. I can't do anything else at this point. I am being held hostage in this house by a man that is in XXXX. I am trying to do what is right and make good on my mortgage and Chase is refusing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I paid off the loan on a new vehicle 12 months in advance. Ally Financial took one additional payment of {$530.00} out of my direct payment account and has NOT returned it to me in 30 days. I contacted customer service reps. at Ally seven times. I recorded four conversations ( I informed them that I was recording the conversation every time. ) I contacted Ally three additional times by " chat '', and I printed those communications as well. 

I was initially told by Ally that I would receive the refund of my money the week of XX/XX/XXXX. I was told the refund was mailed to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the money Ally took out of my account. 

The vehicle was paid in full on XX/XX/XXXX ... 12 months ahead of when the final payment was due. I have recordings and documented copies of the misleading information I have been given for the last three weeks. 

Why are they allowed to get away with this? Why couldn't they return my money electronically to the same account they took it out of? Why are seven different people confused and not sure of " exactly '' what is happening? 

Another complaint about the TITLE for the vehicle. I actually paid off, in full, two loans years ahead of time. I asked the question ; " ... when will I receive the titles for the two vehicles? '' I was told by three reps. that the titles would be send to the DMV. I asked " ... what DMV? '' No one could answer that question. However, as it turned out, one title WAS sent to the DMV in XXXX, IA. and second title was sent directly to ME! 

How about that? Who really knows what they are doing at Ally? Why would Ally release two vehicle tiles worth {$50000.00} and NOT return a payment amount of only {$530.00} ... what is worth more? It makes no sense that they would delay returning a small amount of money, but have NO problem releasing titles worth many thousands of dollars? The fact is, they DO NOT want to release MONEY. They hold on to the money as long as they want to, without reason or justifiable cause to do so.

This needs to be examined and corrected. Note : Ally should be regulated to " refund '' customer 's money within two weeks or less. They should be forced to " direct deposit '' refunds if they have been paid by " direct payments '', all of my payments were made on time with direct payment terms. Ally should be punished for making " false '' statements and unprofessional conduct and concern for outstanding customers like me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
My subscription to the XXXX XXXX expired. They continued to deliver newspapers. I did not ask for or want them. I tried to cancel a few times. Finally my wife got through and the subscription was cancelled. They tried to collect for the amount ( above the market / subscription rate ) for what THEY decided I owed. For papers AFTER my subscription ended. I did not pasy the bill as I did not and do not feel it is a valid debt. Then they sent it to a collection agent. I relented and paid the ~ {$75.00} that I DID NOT OWE. I want a refund and any negative credit impact expunged. I will also be filing a complaint with the the local DA and the state Attorney General. This is an unmitigated extortion machine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated a customer service chat with citibank on XX/XX/18 and was told that Citi does not reveal accrued interest to customers using the website ( which is the only way I can see my account, pay bills, etc ). I am being charged interest without being told when or how much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Clarity Services
State: FL

Complaint narrative:
Today, XX/XX/2018, I applied for a medical loan with XXXX. I was told my identity could not be verified but I provided all of my information. The representative stated they tried to confirm my identity with Clarity Services, XXXX and XXXX  but because of fraud alerts and security freezes, they could not. I contacted each credit agency and they have not removed the alerts and freezes.

Company response to consumer: Closed with explanation