vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 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: DISCOVER BANK
State: TX

Complaint narrative:
I had a hard inquiry on XXXX  that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX Discovery Financial SVC attempted to pull my file. I called Discovery @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have zero accounts according to their records. XXXX  will not dispute without 3 letters, one of which need to be from Discovery, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: TX

Complaint narrative:
On XX/XX/XXXX I closed on my home loan at XXXX XXXX, XXXX Texas. 
After closing, I experience damage to my home, which cause me to make a claim to my insurance company XXXX XXXX. I was denied, due to non-payment. I called my lender and he stated that I was suppose to pay it prior to me closing and if I find the receipt to let him know. I was informed by the loan processor and insurance agent that no payment was required from me prior to my closing, due to the mortgage company requesting the evidence of insurance to apply to my escrow account. I then called Security National Mortgage and was told that I have insurance and my next payment will be sent to the insurance company XX/XX/XXXX. I have obtain damage to my home due to the freeze, that has cause my pipes to burst and my ceiling to collapse in the garage. After taking a closer look at my closing documents, and speaking with my realtor and the title company, I found several discrepancies. 
First, my insurance stated that it was paid prior to closing. Second, I did not receive my sellers credit of XXXX and third, my earnest money was suppose to be given back to us after closing, but was applied to my downpayment. All of the above was agreed upon by all parties and signed no more than 48 hours prior to us actually closing, but the actual closing documents were totally different.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01 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: MN

Complaint narrative:
On my Equifax report it shows that XXXX XXXX was 60 days past due on XX/XX/2016. I was never past due on my payments so this is very inaccurate. I a made all of my payments on time. I've filed a dispute with them but the late payment is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I closed on a loan XX/XX/XXXX with Guaranteed Rate.com. First payment was due XX/XX/XXXX. I mailed the payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. The mortgage was sold effective XX/XX/XXXX to XXXX XXXX. The new servicer, XXXX XXXX claims I was late in XXXX because my payment was never sent. I made another payment on XX/XX/XXXX so I would not be reported as late. So far I made 2 payments and XXXX XXXX is getting a third payment on XX/XX/XXXX. What can I do? Guaranteed Rate is the worst mortgage company I have ever dealt with. They pass you around from one department to the next and then tell me I have to go to the original department, servicing. I already waited over 20 minutes for servicing and they want me to start again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
We have been with The Money Source since XXXX and the experience has been frustrating and disappointing. But this recent situation takes the cake. The Money Source has severely mishandled our escrow account. In XXXX XXXX, we submitted paperwork to our county tax office for our Homestead Exemption in which we are entitled to a Partial XXXX Veteran Discount and another discount from the county. I then called The Money Source to make them aware of the changes. I was asked if we were fully exempt and I let it be clearly known that we were not. I was then asked how much our tax bill going to be for XXXX. I had no idea, so I then asked our county tax office to assist me with answering TMSs questions. The tax office emailed me a letter stating what our estimated tax obligation would be for the year and I then faxed this letter to the TMS tax office at XXXX. I then called and verified that the document was received. Fast forward to XX/XX/XXXX, and we received our new escrow analysis showing that we have a shortage of around {$4600.00}. At some point, TMS removed the tax portion of our escrow and did not collect taxes from our monthly mortgage payment and when TMS received the tax bill from our county, they paid the bill with an escrow advance. We were not aware of what happened. We were under the impression that the proper projections had been made and that we were making the correct payment amount to cover both our taxes and insurance as usual. It has taken nearly 2 months of back and forth, shifting blame and confusion for TMS to admit to the mistake. But they have failed to make this mistake right. A debt was created on the behalf of The Money Source but instead of them rectifying the situation within the company, they are insisting that we pay the debt. If we were to pay this shortage, it will add nearly {$700.00} to our monthly payment, which will cause a financial hardship for our family. I have explained this to several XXXX and XXXX at The Money Source but we are being told there is nothing they can do other than assist us in paying this debt. I find this to be very unethical and a bad business practice. Not to mention, this not the only issue that we have had with XXXX. Thankful, we are in the middle of a refinancing so we will not have to continue to do business with XXXX in the future but unfortunately any balances that we currently owe to XXXX will be transferred into the new loan. And this escrow situation is causing confusion and delays in our refinance process. Its an absolute nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Primary Problem : I attempted to send {$10000.00} from my Chase account to my husband 's XXXX Savings Account. XXXX  declined this transaction and Chase has not returned the {$10000.00} six week later. 

Original Money Sent Date : XXXX, XXXX, 2021 Steps Taken with Banks Initially Contacted Chase Phone Support Said They Could Not Do Anything Then called XXXX - They explained they had declined the transaction because it was coming from a bank account which was not under my husband 's name and that the money had never been received by them. 
Went into local Chase Branch Branch Manager initially thought it was a mistake but was still helpful, after a week seemed to realize it was a real issue. She suggested her back office was working on it.

-- Multiple weeks later the branch Manager has now said she can not do anything and has escalated it to Chase 's executive branch division. She seemed perplexed by the problem and apologized suggesting that it was in corporate Chase 's hands now. 

I still have not heard from this group and thus have turned to you for aid. 

I have all the transaction numbers and will share with you if contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Referencing Complaint ID # XXXX. 

On XX/XX/XXXX, I received a letter response from XXXX ( XXXX. XXXX Branch, Capital One ) informing me that the above complaint had been closed and urging me to reach out to her directly if I had any questions or additional information. It was clear from the letter that XXXX had not fully understood the nature of the problem or the preferred resolution and had closed the case based on this bad understanding of the issue. This has been the only contact I have had with XXXX. There is no other avenue for me to provide additional details. 

Since receiving her response, I have called her almost every day and have not been able to get in touch with her. I also called the XXXX. XXXX  office on two different occasions ( XX/XX/XXXX and XXXX ). On XX/XX/XXXX, I was told XXXX would call me within 48 hours and a manager was copied. On XXXX, I was told XXXX would reach out to me shortly and that a manager was also contacted. To date, XXXX has still not contacted me. She has ignored every voicemail I have left for her and ignored last week 's urgent inquiry from the XXXX XXXX  office. I have a case manager at XXXX Bank who is ready to speak with a Capital One representative about this to further resolve the issue. Please contact me immediately so that I can have my issue ( ongoing since XXXX ) resolved. As a result of this issue, I currently have a loss of {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
My home mortgage was transferred from XXXX mortgage to Specialized Loan Servicing. The following is a brand new complaint submitted to Consumer Financial Protection Bureau due to servicing violations and failures by Specialized Loan Servicing taking place between XX/XX/2020 to present. 

>In the process of transferring my loan, additional fees were applied to my account.by Specialized Loan Servicing, and were added to my minimum mortgage payment. I have questioned these fees with Specialized Loan Servicing customer service with no help. Within the past 10 months, I have been promised supervisor call back on 3 occasions, yet never received a call. Within the past 10 months, I submitted 4 qualified written requests under RESPA law. I did not receive a timely or compliant response. 

>Instead, Specialized Loan Servicing kept me in their auto dialer collection queue, even though I revoked consent on multiple occasions to the robo calls under the TCPA ( Telephone Consumer Protection Act ). 

>Specialized Loan Servicing responded to this by disabling my online account and my ability to pay my monthly mortgage payment online I was forced to call in payment, to which Specialized Loan Servicing representatives require {$12.00} processing fee be added to my monthly payment. Specialized Loan Servicing also recorded multiple late payments on my credit report that were not late. 

>I have responded to Specialized Loan Servicing 's failures and nonconcented robo dialer phone calls by filing RESPA ( Real Estate Settlement Procedures Act ), TCPA ( Telephone Consumer Protection Act ), and FDCPA ( Michigan Fair Debt Collections Practices Act ) lawsuits in my state of Michigan >Anyone that has experienced this behavior from Specialized Loan Servicing should contact a local consumer rights attorney. The Telephone Consumer Protection Act alone awards victims amounts between {$500.00} and {$1500.00} per violating phone call, in addition to the other reliefs awarded under RESPA and MFDCPA

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 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
In 2011 or so Google marketed a free version of " Apps For Your Domain '' at anyone who wanted vanity/personalized email accounts other than XXXX account. However, they phased those out and now focus only on business ( G Suite then Workspace ). They've left in the free legacy accounts, but they converted them to business accounts even though ours has nothing to do with business. We've been trying for months with numerous agencies to find someone at Google who will help us convert the old " Apps For Your Domain '' account to personal accounts and preserve purchases and settings in the app. Google refuses to acknowledge us unless we pay to upgrade to an Enterprise account at our cost, which shouldn't be necessary to just get out domain/accounts converted back to a personal account again ( which a company with the know how of Google should be able to do easily ). The best we can find on their forums is that we just download a raw dump of all our Google data ( Google Takeout ) and lose all purchases and anything else we've done. To bad so sad. Neither the FTC nor the FCC has been able to help. Hopefully the CFPB can since now Google is making changes to their consumer financial product.

Now we come to the new issue. Google is getting converting their Google Pay digital wallet and tap-to-pay service to a new Google Pay service. However, they will not let business/enterprise users ( which apparently we are ) use the new service, so we are going to lose our digital wallet and tap-to-pay services that we have quite a bit of financial information in.

I attempted to contact Google to ask about the new Google Pay, and all I got was that it won't work with enterprise accounts and that I need to create a new, separate XXXX account for it to work. But they did not even acknowledge my question about converting my " business '' account to a personal account or why they are otherwise kicking so many users out of their financial service without a viable alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was called at XXXX XX/XX/21 from US District Clerk XXXX XXXX. An Agent told me that I had texted contact with a woman. This woman has disappeared and I and another 40 people arte unter investigation. I would have to pay a bail or deposit (? ) or I wold be aressted the same day. I was in panic. I dont speak XXXX well. The cal was from an official number. I was supposed to pay {$4900.00}. I could only raise {$1000.00}. I deposited this money in the ATM Wells Fargo XXXX XXXX Texas. Next day I fond out, the FBI never called anyone and that were scammers. I contacted Wells Fargo on phone, they told me, I have to go to bank. 
I gat appoiment at XX/XX/21. The personal banker told me, the bank cant help me. They can maybe contact the account ovner, but they will get them my personal information 's.

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 2021-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a CitiBank account on XX/XX/XXXX, and attempted to fund it multiple times through an inter-institution transfer. Each time I attempted to make the transfer, I was locked out of the account for fraud detection, and had to be put on hold for hours to unlock it. 

Due to this I decided to close the account. I made several phone calls on XX/XX/XXXX, XXXX, and most recently on XX/XX/XXXX I made 12 phone calls over the course of 5 hours to try to close my account, being transferred over and over and hung up on multiple times. 

The issue is that despite the savings account having zero balance and never being used, there is still the inter-institution transfer hold on my account which prevents closing it. And to remove this hold, I was told I *need* to go into a branch in person despite opening the account online. There are no CitiBank branches in XXXX, Washington. Despite this, I was told that this is the only way to close the account and was told that there in-fact was a branch here. Unfortunately the branch the support agent gave was in Washington XXXX. 

I'm unable to make a cross-country road-trip out of state, and I'm unable to resolve this with the support agents. Could I get help closing the account?

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 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I arranged to allow transfers to/from my TDBank checking account. TD Bank was supposed to make two trial deposits to confirm my account. There were three transactions. When I entered the amount of two most recent transactions, it would not validate the account and told me to call their XXXX number. I realized that I had included one trial deposit and the withdrawal of the two trial deposits, but I could no longer enter those amounts on-line. I spent 38 minutes on the phone with the customer service XXXX number, at the end of which time they told me that I would have to set up the transfer again -- no help. When I tried to set up the transfer again, I called the local branch ( DC ) at which I had opened the account. After another 40 minutes, the branch told me that I needed to have the other bank ( XXXX ) verify that they can accept transfers. I explained that this was not the problem, that XXXX allowed transfers, but that the account was not validated because they had given me three transactions rather than two transactions. 

I called XXXX who verified that there was nothing that XXXX could do to verify or validate the accounts, but that they of course accept transfers to/from external accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: JMD,LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: NV

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. It has been a total of 119 days and today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
My house commercial mortgage with loan XXXX XXXX XXXX started on XX/XX/XXXX. 
Original payment was {$3400.00}. 
XXXX home taxes were {$17000.00}. 
In XXXX home taxes went down to {$5200.00}. 
On XX/XX/XXXX mortgage payment increased to {$460000.00}. 
After I asked for audit of my loan payment. In XXXX mortgage payments were recalculated and on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$16000.00}. 
On XX/XX/XXXX the new mortgage payment of {$3800.00} started. 
I asked for another auditing, on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$11000.00}. 
Because taxes were {$11000.00} lower comparing to the time of mortgage origination, I asked to reduce monthly payment to {$2400.00}. 
For 5 months mortgage organization accepted new mortgage payments in amount of {$2400.00}. After that they claimed that I missed mortgage payments for 3 months and started foreclosure process. 
I called mortgage organization with requests of auditing monthly payments, hired an attorney, but nothing helped. 
Id like to audit this mortgage organization, stop foreclosure and pay off entire mortgage amount. 
Please advise.

Company response to consumer: Closed with explanation