vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Pennymac loan servicing company called me several times this month. I returned the call and Pennymac told my mortgage payment was not made and late. 

I have automatic bill pay setup via XXXX, on the XXXX of each month the mortgage payment is processed. I have been using this method for three years now.

The Pennymac representative told me my monthly payment is past due and requested a payment. 

I told the Pennymac representative this must be a mistake and I logon to XXXX online banking to check past bill pays. The mortgage payment was sent to Pennymac, they told the payment and applied it to principle reduction. They accused me of late payment. 

This is abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I received a CashApp debit card in the mail at my most recent XXXX, NC address the last week of XX/XX/2022. The card was addressed to my previous address in XXXX, XXXX  that I lived at from XXXX XXXX XXXX. I have never used CashApp, nor had a CashApp account. I called the customer service number, XX/XX/2022, and they did not send me documentation to report my ID Theft. I called again XX/XX/2022 after moving to XXXX. The representative emailed me the report form, and submitted it on my behalf same day. I received email confirmation from XXXX on XX/XX/2022 that the account was closed and an ID Theft note was placed. I proceeded to request and check all 3 credit bureau reports, and placed fraud alerts and credit freezes on at all three bureaus. I placed a security alert on XXXX, and I also requested a freeze and report from XXXX. Upon receiving my XXXX report the first week of XX/XX/2022, I did not see any of the fraudulent accounts reflected on my report. I then received another CashApp card in the mail after the previous account was closed. This was forwarded to my new address in XXXX, but was addressed to the same previous address in XXXX, XXXX. I called CashApp customer service on again on XX/XX/2022, and spoke with XXXX who stated that she would escalate the account to the ID Theft/Fraud department, but did not send me the same questionnaire. I specifically requested that the complaint be escalated since I had already requested an account be closed for Identity Theft, and she stated I would hear back within 10 days, but as of this complaint I have not received any contact back. I received a third CashApp card in the mail forwarded to my new address but addressed to the same previous XXXX, XXXX  address on XX/XX/2022, and that is my reason for submitting my complaint. CashApp has continued to be unhelpful in remedying and protecting my identity after I reported it as compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XXXX I submitted letters to Early Warning because they have me listed for checking account fraud I requested XXXX  it has been well over 60 days with no response I feel like I'm being taken advantage of this is a violation of the FCRA act by failing to provide accurate disclosures to a consumer when they have an active fraud alerts on their accounts I am repeatedly denied bank accounts because I have fraud notations on my Early Warning report I ordered XXXX and there is no mention of fraud Early Warning is failing to provide me the same information that they are providing the banks they're hiding the fraud designation in the XXXX I've spoken with someone at XXXX XXXX XXXX and they informed me that no money was taken I'm being misled by these disclosers and I demand that these checking account fraud notation be removed or I will le litigation due to the stress they caused me my information was also impacted by XXXX data breach and may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: WA

Complaint narrative:
I cancelled serve and paid my bill, also I have returned the equipment they are charging me fore. when I called to cancel I was told because they could not get me service at my new address there would not be any extra chargers just my last months bill. I have called numerous times and they keep on giving me new excuse. please remove this charge of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes Benz has reported several accounts being over 30 days late from XXXX to XX/XX/2022. This is inaccurate. They are reporting being 30 days late even though agreements were in place for deferments and/or the account was paid before 30 days. 

Also, I also made Mercedes Benz aware of the repeated phones calls daily from XXXX until XXXX when the account is 2 days late. The calls continue until you have made payment. Continuous calling even though I have spoken with someone and they have noted the account. The calls continue. I informed Mercedes that this is harrassment with the repeated calls daily all throughout the day. This is also a problem when I am working with my employer when the phone keeps buzzing all day. Emergency calls can't get through to me because Mercedes have calls on automatic until you make a payment, no matter if you spoke with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOME BANCSHARES, INC.
State: TX

Complaint narrative:
XX/XX/XXXX my account was hacked. I called them right away and told them 2 transactions at XXXX XXXX XXXX XXXX XXXX one for {$890.00} and {$120.00} were not made my me. Since I was at work in XXXX, Tx. They turned the card off. Since it was a Saturday they told me to go in on Monday to file the dispute. They also told me there was another purchase pending for XXXX  for {$360.00} that I couldnt see on my mobile app. Monday morning I go to XXXX XXXXXXXX XXXX tell them what happened and to stop transactions in or out of the account. they looked at the account and told me that the XXXX fell off and that the 2 charges for XXXX XXXX were going to hard post at XXXXt and come back tomorrow. Went on that Tuesday and filed the dispute. Was told that someone would call me in a couple of days. No one called so I went back on Friday. They said it would take up to 2 weeks. Waited until XX/XX/XXXX went to a different branch she looked it up and said my account was flagged as critical bc they did not have me sign the dispute, but no one contacted me to come sign it. She told me she was glad I came in bc the dispute was going to be cancelled the very next day. She printed off another one and had me back date it to the original date it was disputed said they had up to 90 days to investigate. But normally only too 2 weeks. Checked on my account this morning and there were 29 NSFs on my account. Called, waited on hold for 35 minutes explained what happed she asked where I opened the account and they would get a hold of the branch manager. She said he wasnt available. Went to that location on my way to work asked to speak to the branch manger and to close my 3 accounts. Was able to close 2 but the one with the dispute was negative and couldnt close it. I told him the account wouldnt be negative if they would of given my funds back that I had disputed and stopped the transactions from when I asked them in the first place. To add, when they merged with centennial bank in XXXX I wasnt able to see my second business account for 5 weeks, log in or do any achs. So regardless, I want my funds returned to me, those 29 nsfs dropped from account and close my that last remaining account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Due to my current knowledge I have discovered that according to Title 15 US 1605, I was a victim of false and misleading information, and denied my own credit through the consumer auto finance company Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: SC

Complaint narrative:
I have disputed a collection on my account online and through certified mail with Experian for a collection called ( XXXX XXXX XXXX ) Everytime I get a response that it was verified without any proof of validation which I have requested multiple times..XXXX  and XXXX have resolved this issue but experian is refusing to follow the fair credit act and show me proof ... not once have I seen a verified signature of mine on any documents to prove I owe this debt.. this collection is hindering me from obtaining a loan and if it is my debt I require actual proof of signature. Some sort of signed document that shows its mine. Otherwise it needs to be removed immediately..

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 2022-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
My mortgage ( principle, interest, taxes, and insurance ) are through FirstTech Federal Credit Union. I purchased my house at XXXX XXXX XXXX XXXX and moved in on XX/XX/XXXX. In XX/XX/XXXX, I noticed my mortgage payment had increased by {$610.00} with no notice from FirstTech. Trying to get FirstTech to talk to me about this at first was laborious. FirstTech never sent me a notice that my escrow account was short and I was never offered an option to pay the shortage- instead FirstTech unilaterally increased my mortage. Further investigation discovered that FirstTech paid XXXX County Taxes even though on my closing statement from XXXX XXXXXXXX XXXX XXXX it showed that XXXX XXXXXXXX XXXX XXXX had held back taxes to be paid as part of my transaction due to when I purchased the house. This led to XXXX County refunding the taxes paid by XXXX XXXX XXXX  XXXX which never made it back to me and into my FirstTech escrow account. I had to talk to XXXX County to find out this information and then provide it to FirstTech. FirstTech has not followed 12 CFR Part 1024. Due to this event and the lack of transparency by FirstTech I've had to take time out of work, had to go through a serious amount of stress wondering how there could be a $ XXXX dollar shortage that FirstTech did not say anything about for a year and never talk to me about. Additionally, I pulled {$9000.00} out of my XXXX XXXX XXXX retirement account because XXXX told me I was on the hook for the shortage ( when they screwed up ) and that will cost me $ XXXX due to the XXXX % interest that I'll now have to pay to cover the pull let alone the lost money from the investment. I was told by XXXX at FirstTech that FirstTech had XXXX obligation to inform me of the escrow shortage and provide options to make it right ( had it really been a shortage and not a mismanagement of funds by FirstTech ). After talking to XXXX XXXXXXXX XXXX XXXXXXXX, the representative XXXX provided me more customer service and help in 5 minutes than FirstTech has in nearly three weeks. The issue still remains that FirstTech paid the taxes and took money out of my escrow account in error and is now blaming XXXX XXXX. It even took me pushing XXXX to put the overcharge from XXXX back in my account- she wanted me to leave it there because " well you know you might have to pay a little more next year anyways so why not get ahead '' ... ... how would I know if I was ahead or not when FirstTech does not provide the required notices of any issue and does not audit their accounts properly to see problems that are a year old??!?!?!?!?

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 2022-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please refer to the email I sent to XXXX XXXX at the media department of Chase. 
" I currently have a loan application in progress for the purchase of a home of my elderly mother. At the beginning of this process i was given specific information for debt that needed to be paid down to less than 10 payments in order to be excluded from the debt to income ratio. I made such payment XX/XX/XXXX following the loan officer 's requirement. 
Unfortunately, after three weeks of lack of communication, loan officer not following up with me, I find out today, 8 days before closing, that this XXXX dollar debt has to be paid in full in order to qualify ( not paid down ). 
The underwriter also requested a lot of information that was already documented in the provided bank statements. She asked for evidence of funds for a direct deposit which is from my husband 's job as seen on the direct deposit transaction in the bank statement itself. 
Essentially, there are documents provided which sat there and either the underwriter reviewed and forgot to ask for explanations, or they were not looked at at all. I have supplied everything requested literally within hours of the tasks appearing online. I checked my portal twice a day since my experience was that the processor also would not check except every 3 days. On a 30 day contract and rate lock time is of the essence. 
Needless to say now I am at risk of losing my deposit and worst of all my mother has to start over to find another home and financing somewhere else. 
My very first home mortgage was with Chase 12 years ago and the experience was quite different. 
I also filed an escalation case XX/XX/XXXX XXXX. never heard from them either. I just called them again and was told they would have the " case resolver '' call me back within 3 days. Needless to say the actions show how little we matter as clients. 
Chase is also refusing to give me back the XXXX " good faith '' deposit they asked from me when application was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2022-09-21 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: NY

Complaint narrative:
I reached out to all 3 credit bureaus ( XXXX, Equifax, and XXXX ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I recently opened a Santander Ultimate Cash Back [ Credit ] Card because of the multiple promotional benefits advertised, including : no annual fees, 0 % APR for the first 12 months ( including on balance transfers ), and 3 % cash back for the first 12 months. 

Although the Santander website is very clear and forthcoming about the promotional benefits of this particular credit card, the applicable balance transfer fee was not clearly communicated. 

The Balance Transfer fee is the greater of 3 % of the amount transferred or {$10.00}. Studies show that consumers have a misunderstanding of balance transfers / 0 % APR offers. Further, consumers that use balance transfers are generally financially vulnerable - often times with considerable amounts of debt on existing credit cards accruing interest at high rates 20 % +. To bait these consumers with 0 % APR offers, and hide a 3 % balance transfer fee in the fine print, is a clearly unfair and deceptive business practice, targeting the most vulnerable consumers. 

I have attached a credit card statement capturing the balance transfer fee that was charged, along with PDF of Santander 's website, where mention of the balance transfer fee only exists within the " fine print ''. 

Statement of Facts : 1. Credit Card Opened : XX/XX/2022 2. Balance Transfer of {$4600.00} Processed : XX/XX/2022 3. Balance Transfer Fee ( 3 % ) Applied : Total of {$130.00} on XX/XX/2022 4. Call Made to Santander Requesting Fee Waiver : ( Date Unknown ) -- Rejected, Unsuccessful. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: Foursight Holding LLC
State: GA

Complaint narrative:
I filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight capital LLC reported about XXXX late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information Any other adverse items of information, other than the records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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