vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
During the rise of the pandemic Covid-19, I was told according to the forbearance program that I would not be at fault for not making my payments. I lost my job due to the pandemic and struggled with getting another source of income. I am submitting this complaint due to having missed payments reported to my credit card for the months of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Finance of America Holdings LLC
State: TX

Complaint narrative:
Finance of America loan # XXXX for XXXX XXXX My Father passed away on XX/XX/2021. We have been trying to contact these people for over 1 month, only to be put on hold. and no one answers. We have emailed them the death certificate, affidavidat of heirship. listing agreement, and Letter off intent, etc. per their certified letter stating we have 30 days from XX/XX/XXXX, ( XXXX XXXX ) to cure the default, or foreclosure. Their Phone number ( good luck ) is XXXX, and their fax number is XXXX. We just want to know if all the information is received, if they need more information, and when we could get any answers from them or HUD. The house is listed to be sold, but obviously we need more time to sell, collect funds, and pay them off. It should be noted that the letter was sent on XX/XX/XXXX and did not not even get received by us until several days later. Once again, If have tried to get someone to return my call at three different email addresses, and even XXXX XXXX, the original salesman, at XXXX. All have not called back! Please, please, get these people to respond Thank you, XXXX XXXX XXXX, email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
We closed on a mortgage refinance on XX/XX/XXXX, at closing ( when we closed on the loan ), approximately {$1300.00} was collected by then mortgage holder XXXX XXXX, XXXX, for 12 months of hazard insurance. Shortly thereafter, XXXX XXXX  sold the mortgage to US Bank. I assumed that the collected hazard insurance funds would be provided by US Bank to my insurance provider ; XXXX. I didn't receive any notification of a lapse in payment until my insurance provider phoned me on XX/XX/XXXX, indicating that the current mortgage holder ; US Bank, did not make any Hazard insurance payment ( despite collecting 12 months of Hazard Insurance at closing and collecting approx {$100.00} monthly via my mortgage payment. ) That same day, my insurance provider also called US Bank, during that call my insurance provider explicitly told them they needed to make a payment to XXXX immediately to bring the insurance current, which a representative of US Bank apparently ( according to my insurance provider ) agreed to do. 

I assumed this was matter was taken care of until I received a letter from US Bank, dated XX/XX/XXXX indicating that insurance had lapsed and that although they admit to speaking to my insurance provider, US Bank dishonestly claims " that there was no mention of a lapse in payment '' and rather the insurance agency had contacted US Bank over an " incorrect mortgagee clause '. This a patent lie, the entire reason for my insurance provider to reach out to US Bank was to insure that a payment was made on my hazard insurance. 

I then received notice from US Bank dated XX/XX/XXXX that they had not received proof of insurance for the period XX/XX/XXXX to XX/XX/XXXX and if they did not receive proof, they would charge me for " {$4600.00} annually '' for insurance coverage for the period indicated. This amount is almost 3x what I am paying for Hazard insurance. I believe this is an example of incompetence on the part of US Bank ( they just failed to make the payment ) and them trying to stick the consumer with the bill for that incompetence.

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 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 4 student loans with XXXX. XXXX is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted XXXX and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave XXXX written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. 
Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave XXXX any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.

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 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 4 student loans with XXXX. XXXX is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted XXXX and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave XXXX written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. 
Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave XXXX any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I have my home loan thru Quicken Home Mortgage ( loan # XXXX ). Each year I ge an escrow shortage bill which dutifully pay in order to retain my current mortgage payment and each year this company says that I still owe money?? I paid that bill on XX/XX/2021. Today this company sent me a letter threatening me with foreclosure! I want this harassment to stop and show me legal justification for substitituting a new $ figure that does not correspond with the escrow shortage initial request. Along with hat offense that tack on a late fee which is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I opened a XXXX XXXX account on offer with a {$300.00} bonus with a direct deposit. TD Bank is denying the offer saying I got a bonus in 2018 even though I have fulfilled all requirements to get the bonus. I opened a Savings account woth $ XXXX opening deposit to get an additional {$200.00}. All that was said was I should not have an account with them in the last 12 months. Please refer to the attached offer from TD Bank. Footnote terms were given in the last few pages of the attached file. 

" Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a complaint with the CFPB around XX/XX/2021 against Transunion for not deleting an account on my credit file for several inaccuracies. I believe they retaliated by Deleting a positive account from the same company. When I found out about this positive trade line  being removed XXXX  employee tried to tell me it was XXXX who removed it.so I called XXXX and after investigating they told me what really happened it was XXXX  who Deleted my positive account. The date of removal was XX/XX/XXXX and please have them show the reason for their actions? That account was my oldest it had over 20 years of good reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As of XX/XX/2021. XXXX XXXX requested that several inquires be removed from my credit file. The big 3 has failed to remove these unknown inquires.

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 2021-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
On XXXX XXXX in a pre-recorded conversation with XXXX XXXX Services Rep stated that my account was closed as vehicle was sold at a auction in XXXX XXXX, California around XX/XX/XXXX and XXXX XXXX vehicle was sold for {$20000.00}. 
I respectfully requested for a accommondation on my ADA Disability Act under Department of Justice and allow me to trade vehicle for another vehicle that is more affordable and make affordable payments because of financial hardships, Disability and Covi19 Family Pandemic issues. 

I was able to take XXXX XXXX back to the dealership in XXXX, California in XX/XX/XXXX and XXXX Dealership rep checked the XXXX XXXX XXXX Value of the vehicle and it was only {$14000.00} and XXXX XXXX XXXX didn't want to take the offer from the dealership. 

So XXXX XXXX XXXX sent their third party Tow Truck to reposses and recover their vehicle at my place of residence and Sold it at a Auction in XXXX XXXX, California. I had some personal things in the vehicle trunk that I spent about {$200.00} worth of tools, Car jump cables, water cooler and misc.items. I wasn't given opportunity to recover my personal belongings. 

I wasn't allowed as a XXXX XXXX XXXX XXXX XXXX to keep he vehicle and make affordable payments of {$300.00} a month until the Auto Loan is paid as I wasn't able to refinance because of my credit issues during XXXX Pandemic. 

On XXXX XXXX I was directed to Synergetic Communication XXXX XXXXXXXX in XXXX, Idaho, and spoke to a rep Ms.XXXX XXXX and she asked me for my Social Security and Physical Address and contact number information and I respectfully requested for collection company information and a fax number and I was given their information. 
Here is their address Synergetic Communication XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fax number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and third party collection companies has put Derogatory Negatives Remarks of collection and repossesion on my XXXX, XXXX and XXXX 
I am XXXX Lifetime and Retired and my Disability Pension Retirement is protected un der Federal and State Laws and this debt of {$5200.00} is uncollectable as vehicle was sold and XXXX XXXX sold their vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I'm a small business owner in Washington XXXX. We did a project for XXXX XXXXXXXX XXXX XXXX XXXX XXXX to complete the formulation and preparation of plant-based dispersion for farmers. The farmers came to our workplace to pick up the product in mid XXXX. XXXX accountant asked me if it was ok to pay through PayPal. I have a PayPal personal account. It works very well. I can receive the money transfer for free. I agreed. But later the XXXX accountant told me I had to register a business account to receive the payment. They can't send money to a personal account. I registered a business account with PayPal. It becomes a nightmare. 
There are two problems. The first one is I can't get the money. PayPal puts it on hold since XX/XX/XXXX. PayPal asked for the shipping receipt. I called them several times to explain the farmers came to pick up. There was no shipping receipt. But PayPal insisted I had to submit the shipping receipt. On XX/XX/XXXX, I received an email from PayPal. It said PayPal partially removed the limitations. I found they only asked for one item from a list. The first one was my company bank statement. I submitted the bank statement. On XX/XX/XXXX, PayPal told me the bank statement I submitted was incorrect. I downloaded it from XXXX XXXX  XXXX my account. How could they determine it was incorrect? Then I picked another item, which is a letter from IRS with the XXXX  number on it. I submitted the letter. PayPal accepted it. But after more than a week my money is still on hold. I had to pay the labor fee and other expense from my personal account. 
The second thing is PayPal charges 2.9 %, which is {$290.00}. I'm sure I didn't see anywhere PayPal said there would be 2.9 % charge. PayPal doesn't charge for personal account. As a consumer I have the right to know if there is a charge and how much is it. To make sure I didn't miss the place that PayPal might put the service charge statement, I used another small business I registered in Texas to register a new PayPal business account. I did very carefully in every step. I didn't see such statement. PayPal can't charge customer 2.9 % service charge without telling the customer when set up the account. If I knew there is a service charge, I would ask XXXX to wire the money to my bank account or just write a check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
I recently sent a packet of Notices to you DISCOVER BANK to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve XXXX XXXX XXXX XXXX, will show a total bank liability to me In the amount of {$22000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again DISCOVER BANK you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the XXXX XXXX XXXXXXXX XXXX Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to XXXX XXXX XXXX XXXX and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
I was in a forbearance from XX/XX/XXXX thru XX/XX/XXXX due to XXXX and a XXXX  XXXX I have which prevented me from working in my XXXX job. 

I filed a loss mitigation packet late XX/XX/XXXX and received a response dated XX/XX/XXXX that there were no options available for repayment of the past 12 months payments other than a deed in lieu of foreclosure. 

I refiled a loss mitigation packet on XX/XX/XXXX. Today, I received a certified mail " Demand Letter '' stating I could reinstate the loan with a FULL payment of {$13000.00} due by XX/XX/XXXX. No partial payments will be accepted so at this point I can't even make a XXXX or XXXX monthly payment! 

This Co is clearly " FORECLOSURE HAPPY '' and offers no options for repayment now that I am in the process of returning to my XXXX job after being away for a full year! 

Less than 2 months out of forbearance, no options available and we're potentially already heading to a possible foreclosure???? 

SHAME ON THIS CO!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: HI

Complaint narrative:
Im filing a complaint against the mortgage company, Caliber Home Loans. 

There are two parts to this complaint : ( A ) Im being wrongly accused of owing Caliber Home Loans $ XXXX dollars in escrow shortage costs, and ( B ) Caliber Home Loans has wrongfully dinged my credit score for a late payment that never happened since I was set up on automatic payments. 

- Last week - on XX/XX/XXXX - I called Caliber Home Loans and spoke to a representative about the sudden increase in my upcoming XX/XX/XXXX mortgage statement. The representative was unable to explain to me why the escrow amount increased in my upcoming mortgage payment, nor provide evidence to explain why there was a XXXX escrow shortage ( especially when my current escrow balance on XX/XX/XXXX indicated a positive XXXX amount ). 

On top of this, when I spoke to a different XXXX Home Loan loan officer about a refinance on the same day, I discovered XXXX had not only miscalculated my current escrow dues ( and upcoming dues ) but they also dinged my credit score for a late payment back in XXXX XXXX which shouldn't have occurred since I've had automatic payments set up for that loan completed in XX/XX/XXXX. 
- I've had a total of 3 loans with Caliber Home Loans since XXXX. In reviewing the attached documents, all 3 of my loans had a similar county tax and insurance cost. As a homeowner exemption, my tax per {$1000.00} net is {$6.00}. Caliber is Home Loans is paying double that AND trying to charge my escrow. 

Caliber Home Loans is also charging me for windstorm insurance which was not included in my estimated escrow and closing disclosure at the time of my refinance. XXXX was also not included in my previous 2 loans with Caliber Home Loans. 

My escrow should be paying county taxes of ~ {$4900.00} for the full year or 2 payments of ~ {$2400.00}. My current escrow balance should be nearly {$2000.00} if they ( XXXX XXXX paid the correct amount of insurance and taxes. 

On the Caliber new quote document provided for my upcoming mortgage statement, you can see the previous year where they claimed to pay county tax and windstorm insurance which is where the " shortage '' comes from. 

In all three loans with Caliber, I've had ACH auto payment setup with Caliber - but for some reason they didn't set it up until XX/XX/XXXX on my current loan. In the documents attached, you will also see that they charged me three payments at once in XX/XX/XXXX and then dinged my credit in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do 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 explanation