vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
My husband and I are in the process of doing a Boundary Line Adjustment with our neighbors. We are acquiring property through this adjustment and it is a cash transaction. We need lender consent for the county to complete this process, even though we are acquiring the property and adding value and land mass to our property. 

I emailed the documentation on XX/XX/XXXX, I again efaxed it on XX/XX/XXXX. Through a complaint through my original broker, I was contacted by United Wholesale Mortgage via email and sent the documentation again on XX/XX/XXXX. Today is XX/XX/XXXX, approximately XXXX weeks after the initiation for lender consent. I have just spent XXXX hours on the phone with United Wholesale Mortgage and after being passed around to XXXX different people, no one can verify at what stage my request is at. Supposedly the supervisor of the Special Products Division was contacted but would not give status because the review process was not complete. I then talked to an Escalation Specialist who asked that I send the documents yet again to yet another email. I feel we have been very patient, but it is quite frustrating when you can not deal with just one individual sending documentation direct to who is supposedly working on my file. I can only send to general emails and no one will give me their individual contact information so I can deal with only one person. This is not acceptable to a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2022-01-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I just called US Bank to close the XXXX XXXX XXXX XXXX account there ( XXXX ). It is a CD and does not mature until next yearit is a 3-year CD. 
I spoke with XXXX who told me there would be a penaltyI expected that. She said closing the account today the payout would be {$160000.00}. Todays balance on the account is {$160000.00}. Astounded, I asked her how she came up with that amountyou typically forfeit the interest on the account for an early withdrawal and the interest for ALL of last year was about {$160.00}. I asked her to provide me with documentation for how the penalty is calculated. She was gone for a long time. 
She came back and said she wasnt seeing anything and I would need to go in to a branch. I told her she had to have how the penalty is calculated in writing and she was going to have to show me that because Ive never heard of such a steep penalty. She said she had something to send me. I asked to speak to a supervisor. A few minutes went by and she came back and said she found it on the website. She directed me to USBank.com ; Personal ; CDs ; How CDs work. I read the applicable section on Early Withdrawal to her aloud : Early withdrawal : If you withdraw money before the CDs term ends, youll usually have to pay a penalty. This penalty varies, but you may have to give up some of your interest earnings sometimes as much as three or six months worth. 

Again, I reminded her that in ALL of last year we only made {$160.00} in interest. So how did we get to a penalty of over {$5000.00}? She said she puts in the information and it gives her the amount. I told XXXX that I need to speak with a supervisorshe said they were all in meetings, but will call me back. I told her I needed a call back-that I will not be reaching out to them again, but will go to the authorities. She said, Yes, maam. I asked if she had my number, long pause then she read an old home number to me. I gave her the XXXX Office phone number : ( XXXX ) XXX-XXXX. I asked who would be calling. She said XXXX. I asked her for her last name. She said it was XXXX. When I asked for her direct number she said she didnt have one. Her title is CSR Manager. She asked if there was a time she shouldnt callI told her no. Anytime was fine. 

I confirmed again the dollar amount of the proceeds {$160000.00} and asked for todays balance : {$160.00}, XXXX. I asked how much interest wed earned since the beginning of the term for the XXXX in XX/XX/2020. She said she couldnt tell me that. She only had last years interest. I thanked her and ended the call.

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 2022-01-03 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 — Investigation took more than 30 days
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My Name is XXXX XXXX and on XXXX XXXX a letter was mailed to me from Santander Bank congratulating me on opening my new account with them. I received the letter in my mail on XX/XX/XXXX. The problem is that I did not open an account with them. I tried to contact the bank by telephone and after 30 minutes on hold I hung up and decided to go to a local Santander Branch. I am not nor have I ever been a customer of Santander Bank. I spoke with XXXX at the XXXX XXXX branch in XXXX MA and she helped me in contacting Santander fraud department. 
XXXX tried to be helpful. When the fraud department was contacted they took a statement from me and asked questions for their investigation. I was then told that the fraud department may or may not call me to ask further questions. Then I asked a few questions of my own. I asked for contact information for the fraud department to follow up on their progress on resolving the matter on the account. I was told that the fraud department does not have a contact phone number. I then asked how I would know things were resolved and the account closed. I was told to check with the credit agencies and to let them know that my identity was compromised, but gave me no indication that Santander, who opened the account, would let me know when this situation with them was resolved. 

I then asked if they had any information on where the account was opened and how much money was used to open the account and they were unwilling to give me any information. I have not opened a new bank account in a number of years, but I said I thought an ID and validation of a social security number were required to open an account. They would not answer that information other than to state it was possible for someone to open an account on line and would not answer me when I asked if they collected what I thought would be the proper documentation required to open an account. I became very frustrated as I am obviously a victim of identity theft and the bank was unwilling to help me gather details on the situation for me to report this to the government, the credit bureaus, and companies that I have a financial relationship with such as credit cards, my mortgage company, etc. 

Can you please explain to me what banks are required to do when opening an account. Specifically, what documents do they need to inspect before opening an account ( driver 's license? proof of residence? social security card? ) Also, I would like to register a consumer complaint on how I felt I was being stonewalled and restricted from obtaining information on the resolution of the specific transaction involving the theft of my ID with them.

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have three zero-balance accounts with PNC Bank that I would like to close. 

At approximately XXXX eastern time on XX/XX/2022 I was connected with a representative who gathered my information, carried on a conversation, and asked how she could help. The call quality was pristine. As soon as I told her I wanted to close my accounts, she immediately said that she could not hear me. For roughly 90 seconds, I would say something, she would immediately say " I can not hear you '' only after I spoke. When I pointed out that she only said that when I spoke, she quit responding and disconnected the call roughly 15 seconds later. 

Further attempts to request a callback or reach support via the @ PNCBank_Help XXXX account have not led to any communication from the bank, and since they do not offer an online account closure I am unable to close my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hard to tell what has happened but it appears that Wells fargo has chosen to apply 100 % of my XXXX payments to interest. 
I was in approved forbearance until XX/XX/XXXX with a XXXX XXXX  backed mortgage. XXXX XXXX forbearance rules prevent accruing interest on forbearance by servicers. WF did add a " unpaid second principal balance '' to my loan for the 11 payments I missed [ $ XXXX {$10000.00} ] I made a total of XXXX payments in XXXX [ XXXX ]. My XX/XX/XXXX principal balance was {$160000.00}. My XX/XX/XXXX balance increased to {$160000.00}. My XXXX from WF indicates " total interest applied '' of {$6200.00} plus payments applied to previously deferred interest of {$3300.00} '' for a total of {$9500.00} [ suspiciously also the total of payments made in XXXX [ XXXX ] ] They are charging me interest on deferred payments in contravention to guidance from 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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I have made all my payments on time through my bank. All my bank statements show the money being withdrawn from my account on time for each monthly payment. Mr. Cooper has lost two of my payments and has yet to fix their error even after my repeated attempts to resolve this problem. 

My account now shows over 60 days past due, plus hundreds of late fees. Because of their error my credit will be affected and I may not qualify for a refinance on my primary home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

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 2022-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

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 2022-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I had XXXX  XXXX lost the phone some stole it and was calling out the country this situation been hurting my credit also I got a car that didnt even make the year it was a limon it was a XXXX charger I also got a XXXX XXXX XXXX that got missing in front of my house I had XXXX I was sending money and the account froze saying that the money was sent twice. these things hurting my credit 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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Nearing the end of Covid related forbearance I applied for a modification long before the final months of forbearance. Modification was quickly approved. I made 3 trial period payments ; each on-time. I was informed by Flagstar I could not set up auto pay until the modification was finalized. I then made a 4th payment, again, on-time. I then received documentation that the modification was finalized and logged on to set-up auto pay. I learned then, XX/XX/XXXX that Flagstar had included an escrow for property taxes and homeowners insurance on the new mortgage when there had never been one previously. I contacted Flagstar customer service on XX/XX/XXXX and was told many modifications department personnel had been hired just to process the flood of modifications and many new loans were being set up incorrectly. I was promised new loan documents, reflecting the proper payment amount without an escrow for taxes and insurance would be mailed to be by XX/XX/XXXX. I have, since XX/XX/XXXX spent more than 10 hours on the phone with various customer service personnel in both Flagstar 's escrow and modification departments. Modification keeps closing escrow resolve case numbers saying the modification department says the modification is done... 
It is now XX/XX/XXXX. I have yet another mortgage payment due no and the amount of the payment continues to be over XXXX dollars a month more than it should be. I was not informed an escrow account had been added to my existing mortgage during the modification so I already made my property tax payment in full. Now today, after 4 long calls with Flagstar, a modification department supervisor says it is a XXXX XXXXinvestor requirement that escrow accounts be on all modifications. Strange that today is the first and only time anyone at Flagstar has claimed this requirement or ever advised me of it. Now I am told Flagstar will analyze the escrow amount once a year and return any excess ... even though the amount they are holding is clearly well in excess of amounts needed for taxes and insurance.

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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Loan paid off in XXXX, now saying money owed. Submitted modification XXXX and XXXX and emailed XX/XX/XXXX! Still nothing, at this point just want it modified. XXXX was originator! NEED COPIES OF ORIGINAL LOAN DOCS NEED TO SEE ORGINAL LOAN DOCS AND RESPA VIOLATION! AND MODIFY LOAN TIRED OF FAXING AND NOTHING HAPPENS say nothing received!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation