vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
Rocket Mortgage has calculated my tax escrow payment incorrectly to the extent that my monthly property tax payment is actually higher than the loan ( principal/interest ) payment itself! I have contacted the local tax authority in my city and the representative is in agreement with me that their calculation is incorrectly and would result in an excessive escrow surplus in the account. This situation is putting financial strain on me in terms of my own budgetary liquidity needs and is unnecessary. I have been told that there is a " team working on it and it takes 7-10 days '' but I've attempted to address this with the company a month ago before the closing and nothing was done so I do not trust or believe that they are capable of fixing it now either. It is now day 7 and still nothing has changed- they expect a XX/XX/XXXX payment that is about {$300.00} higher than what it should be. I feel that it's also a bit ridiculous that it would tax so long to simply divide the annual tax bill total by 12 and fix the payment. That's grossly inefficient. But perhaps more of something that Senior Management should look at. 

The tax assessor confirmed with me that the amount which should be withheld for property tax should match with the property tax bills from prior years ( which I pulled from their municipal website ). 

Furthermore, the originator of my particular loan also gave me false legal advice. Because of his aggressive push to close on the loan and earn his fee income, he wanted to assure me and give me a false sense of confidence. The property I bought has month-to-month tenants occupying it. My originator told me ( on a recorded line ) that after transfer of property ownership, I would not develop a landlord-tenant relationship with these people. My lawyer told me that this information was false and I indeed now am in a position where I may need to evict the tenants. 

I believe it would be in the interests of other consumers that the practices and processes at this large institution be examined for potential streamlining opportunities and also an examination of ethical standards. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
After reviewing OCWEN account payment history, I have identified misappropriated funds totaling {$29000.00} that impacted/inflated the loan modification principle to {$200000.00}. The misappropriated funds occurred between XX/XX/XXXX thru XX/XX/XXXX. Included find OCWEN account payment history highlighting the misappropriated funds and a summary document for your review. 

In addition, documents filed by OCWEN with XXXX XXXX Register of Deeds. 
XXXX Document # XXXX XXXX Document # XXXX XXXX Document # XXXX XXXX Ocwen Loan Servicing LLC Home Affordable Modification Agreement executed. 
XXXX Document # XXXX XXXX XXXX XXXX Title Group Seller Closing Disclosure/Closing Statement XXXX OCWEN LOAN SERVICING LLC.is the present holder of a mortgage. 
XXXX XXXX the Vice President of PHH Mortgage Corporation Successor by Merger to Ocwen Loan Servicing LLC notarized. 

XXXX Document # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
$ I made several payments for a vehicle via Cash App, but the dealer never processed the paper work for the title and tags. I attempted to request a refund in the amount of {$700.00}, of the {$8200.00} paid, from Cash App. The request was not sent to the dealer, but denied by Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Wednesday XX/XX/2022 I attempted to deposit a check via the Bank of America mobile app and the process failed. I called in to Bank of America customer service and spoke to XXXX XXXX with B of A. XXXX requested that I try the deposit a second time and that there would be no issues and that the hold would not go beyond XXXX  XXXX the XXXX. This was not accurate and the B of A representative lied regarding the downstream implications of trying the deposit a second time. The check/funds are now on a 7 business day hold until Friday XX/XX/2022. You might at this point say who cares, right? Incorrect! I pulled this money out of my 401k with XXXX to cover rent, requested it be sent overnight via XXXX to avoid eviction. Now as a result of XXXX 's false, misleading and incorrect information how to proceed I will be evicted this week. I get it that the working class poor are not priority 1 for B of A but when you put a hold on a {$2500.00} check for 7 business days believe it or not the poor have consequences. I will find some place to live but not sure when I will see my kids again as a result!

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 2022-04-07 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was told on XX/XX/2022 that if I were to put $ XXXX on my Chase Credit Card, I would qualify with a promotion with XXXX XXXX. I then went ahead and put $ XXXX on my credit card, only to receive a letter stating I was " miss informed ''. I am not sure how this does not constitute as some kind of fraud. I would never have put $ XXXX on this credit card without a Chase customer service rep telling me I would qualify for the promotion if I did. 

I just think other consumers need to made aware that Chase is promising to honor something if you charge on their credit card, only to tell consumers that they were miss informed. Now they are earning interest on my purchases, they would not have earned other wise. 

I have attached the letter to this email for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2021, I entered into and investment contract with " XXXX XXXX  '' ( the " Company '' ), to transfer {$120000.00} USD. Entering the online trading sphere comes with many hopes but due to Company 's shady activities and dealings, I lost my money within a very short period of time. I advised Bank of America of this fact on XX/XX/2021 and have not received any satisfactory response so far. Bank of America could have protected me from this. Unlike me, the bank knows about the existence of such scams and how they prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made by Bank of America to contact me regarding my transactions. The treatment from Bank of America is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.

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 2022-04-07 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: RFNA, LP
State: NC

Complaint narrative:
I am writing to dispute the following information in my file. Account XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXXXXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXXXXXX XXXX  This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX REPUBLIC FINANCE- This isnt a charge off account. This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. 
I am also victim to having several unauthorized inquires in my report I am requesting that the items be deleted to correct my credit report. XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
In XXXX of this year, PNC closed all XXXX of my accounts without my consent. I never received any correspondence notifying me of the actions taken on my account. 
The first time I contacted them on XX/XX/XXXX, I received conflicting information about my accounts. First, I was told that my online banking was turned off and then later I was told a hold had been placed on my account. Subsequently, I went to the branch location to attempt to resolve this matter and I was advised that my accounts were closed and that I should receive a check for all the funds within 30 days. 
In XXXX, I received correspondence notifying me that I had been granted full access to my accounts. After receiving this advisement, I went to the branch on XX/XX/XXXX to attempt to retrieve the funds because I had yet to receive the funds within the advised 30-day period but I was unsuccessful because of the hold that still remained on my account. 
I contacted PNC by phone again on the same day and I was advised the letter notifying that I had been granted access to my accounts was erroneously sent and the hold was still placed on my account with no close end-date. 
I have been told that a case had been created on XX/XX/XXXX to escalate my banking concerns and that I should hear from a manager within 1-2 business. No one made contact with me so I went to the bank branch on XX/XX/XXXX to alert them I would be filing a CFPB complaint if I had not received a check for the funds or the check number and tracking info by XX/XX/2022. They filed and scanned the letter I gave them to my online file. 
My case was then assigned to XXXX XXXX in the XXXX XXXX department. She attempted to contact once by phone and email on XX/XX/XXXX. I called her back 3 days in a row, left a voicemail, and she didnt return my call. 
Every time I called to attempt to get in touch with XXXX XXXX I was connected to a completely different department and on XX/XX/XXXX was told a different person named XXXX XXXX would have to get back in touch with me who had made no contact before. 
XXXX XXXX contacted me on XX/XX/XXXX and asked me what my issue was as he was unaware and said he would call me back with an update. I have received no call back from anyone within PNC Bank or the branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: GA

Complaint narrative:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
In late XXXX I purchased two appliances from my local XXXX store, where I'd shopped for decades, using my Sears credit card. I was informed that I'd be getting a new card .... and that delivery of the produce would be delayed until mid-XXXX. Items were installed by the third week of XXXX, and I began to get phone calls from " Shop Your Way '' XXXX, which I ignored, assuming it was a solicitation. I picked up today and learned that I was overdue for a payment in late XXXX,, and that this card was the " new '' card from Sears, never identified as Sears. I said I hadn't received a bill ; they said they mailed it. I said then please email me the bill ; no, I can not do that, I was told. I said, well, I can not send you my bank account info without seeing the bill, and that I protested the {$29.00} late fee they said I owed. I also said I had never heard of a card that began billing me before I had even gotten the appliances, plus I hadn't received the bill they claimed to have mailed. They didn't offer a way for me to set up an online account and pay them. They just wanted my bank account info. I said I would phone them back after I'd talked to my husband. At the end of the phone call, they asked for my email address and said they'd be sending me promotional material, which I don't want -- and after I hung up, I thought, WAIT. They've got my email address. Why can't they email me a statement? With contract information, which I have yet to even see. I went with Sears because I trusted them, but now I know I'm dealing with CitiBank, who apparently wants money back as soon as they lend it. And I just don't believe they are UNABLE to send me an email bill. That's ridiculous. Never again!

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 2022-04-07 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: GA

Complaint narrative:
I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have an account with Wells Fargo that does not permit the balance to go below zero. Two days ago, someone hacked my account and " deposited '' a XXXX check that was fraudulent. WF missed this fraud the first day. Yesterday, the hacker sent TWO {$500.00} XXXX payments, both fraudulently, from my account. WF missed both of these fraudulent transactions. WF later yesterday noticed that the {$3400.00} check was fraudulent and eliminated that balance from my account ( rightfully, since I didn't make the deposit ). This caused the account balance to go below zero. I noticed that the account was overdrawn around XXXX yesterday. I called the WF offices immediately. WF did not contact me about this fraudulent check or either of the other two fraudulent transactions.

I reported the fraud to WF yesterday and had four conversations with the bank today. They are not refunding my money until after their investigation is complete, notwithstanding that they missed the fraud on their systems. WF represented that this is the policy throughout the bank, but I doubt that the representative 's statement was accurate. The gentleman who made that statement is named XXXX and he works as an Executive Office Agent. Further, he refused to escalate my case beyond him ( who is not, I must surmise, the most senior person available ). 

WF 's position is that money I deposit into my account -- whether {$500.00} or $ XXXX -- is not mine at all and is not accessible to me as I wish. Instead, it is only accessible after I notice a fraud plus the 10 business days it takes their ( rather pokey, if you ask me ) investigation team to look into the issue. This is shocking. Query whether it runs afoul of any regulatory guidance.

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 2022-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NC

Complaint narrative:
Every since getting my sUAS pilots license ( over 2 years ), I have been getting pre-approval letters from Bankers Health Group ( BHG ). The letters stated I was pre-approved for a loan and needed to go online to 'activate the loan '. I finally did this around XX/XX/2022. You do this activation and then within a day or so a Account XXXX contacts you to get all your personal data and to email you a request for signature in Docu Sign. It was a XXXX XXXX XXXX. And a XXXX XXXX XXXX to sign and email back. Not much information except the loan does not show up in your credit report and is a risk based loan application and requested amount of loan wanted. In addition the Account XXXX said that I need to provide all the requested forms to get approved and to start talking financial numbers. Oh wait so I was not pre-approved? When I inquired about not being pre-approved like letters state and about the XXXX XXXX, a XXXX processor contacted me, via email, saying if I don't sign papers the loan will be pulled. And saying what do I got to lose, no risk, and no obligation. But now I am signing over a XXXX form XXXX for access to 10 years of my tax information and I don't even know what rates or limits or fees or closing costs, or anything about this loan really. I went ahead finally on XX/XX/2022, after thinking over and having some home issues come up that need repaired ( original need for loan ), to provide the requested documents and also once again inquired about the tax form. I was told the tax information only goes back 2 years and only used for identification purposes. On XX/XX/2022, later in the afternoon I inquired about the application and was told it would take XXXX hours to get an answer. On XX/XX/2022 I once again inquired about the loan. On XX/XX/2022 I got an email stating I was denied and a letter will be mailed with reason. 

I truly feel BHG is very misleading on their whole loan process and is not fair to consumers. I have been denied loans in the past, but the lender was upfront with everything about the loan and forms required from the beginning. I don't even really know what the XXXX form XXXX will do and why it was send to XXXX XXXX XXXX CO per the form. 

If needed have email communication with BHG : ) Thanks for any assistance. 

XXXX

Company response to consumer: Closed with explanation