vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On Sunday, XX/XX/XXXX I received an email from Wells Fargo informing that my mortgage payment would go from {$2200.00} to {$3300.00} due to a shortage on my escrow account. I reached out to the bank asking why this was happening. I was told that it was due to historical numbers being used to analyze my escrow account. My escrow payment more than doubled and Wells Fargo sent this to me without doing any sort of investigation or analysis. Why would something like this make it out the door to a customer? Wells Fargo insists that my escrow account is short over {$4000.00} after they made adjustments to actual amount due for property taxes. I asked for the bank to analyze and tell me why this was so and why only a balance of $ 4000+ was added to my initial escrow account after my refinance closing disclosure reflects that over $ 10,000+ was included in closing costs for property taxes and insurance. Wells Fargo is unable to tell me where over $ 6,200+ included on my closing statement went as it was never credited to my escrow account and there is no explanation as to what happened to that amount which was added to my mortgage at closing. 

I would like Wells Fargo to do a complete analysis of my escrow account and explain where the $ 6200+ dollars went and why only $ 4200+ was credited to my account after closing which is contributing to the shortage on my account. Resolution of this issue escapes Wells Fargo which is unfortunate because my mortgage is there and after several times of asking the bank to cancel this escrow account so I will make my own payments I was told no on several occasions. Once I was told that I can not have the escrow account closed because I was not making payments on time which was untrue, in addition, I was told because I have private mortgage insurance on my property I can not have the escrow account removed. 

I need assistant to have this issue resolved because I cant seem to get anyone to care enough to resolve this issue or even figure out why I prepaid funds at closing which is unaccounted for and never credited to my escrow account. 

Thanks. 
XXXX 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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I certified mailed Transunion a Notarized FTC Identity Theft Report, along with a copy of my drivers license, Social security card, utility bill and cover letter. I called Transunion to check the status of the fraudulent accounts on XX/XX/XXXX. An agent said that the XXXX account listed on the Identity Theft Report was verified as accurate by the creditor.. I then mailed another letter to Transunion certified mail on XXXX XXXX stating " This agency ( Transunion ) is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately : This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately : '' I called Transunion again today and was told again that the XXXX account was verified as accurate by the creditor. I am soooooooo upset by all of this. I am a victim and Transunion is not following any of the laws as well as disregarding my documents I have mailed to them. Please make them remove/block this 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 non-monetary relief
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: NJ

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

Company 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 2022-02-16 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: IL

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

Company 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 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My account with CAPITAL ONE, account number is XXXX, should have no 30 days late on the month of XX/XX/2020 and XX/XX/2020 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. As you can see, I have a good records in paying these. With that being said, sending written letters and a lot of attempts on reaching out to 3 Credit Bureau and Creditor were neglected. This should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC
State: KS

Complaint narrative:
Over the past 2 days, XX/XX/XXXX & XX/XX/XXXX, I have received 5 calls from New Era Asset Management ( XXXX XXXX ) seeking restitution for a past due credit card bill. But, I have been harassed by one individual, a " XXXX XXXX '', who evidently works for this company. He called me all 5 times : 2 separate voicemails and 3 direct dials. I called the company back and settled the debt, closing the account. 
However, this is a complaint of the excessive calling which I have received. I feel that this is credit harassment by New Era Asset Management. 
On XX/XX/XXXX, I filed a report with the XXXX XXXX XXXX, XXXX, New York, requesting that no further contact be made to me by New Era Asset Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
Freedom Mortgage has consistently sent letters suggesting that I can lower my mortgage rate by refinancing since XXXX. In late XXXX XXXX XXXX I spoke with someone at the company about the process and what would be required to refinance from an FHA loan into a conventional loan. I was told it was a simple process, would not require much work on my end and we could close in XXXX. 

When I started the process in XXXX the employee who originated the loan overvalued my house. We were not told that we would have to have an appraisal done- in fact the original person indicated we could have an appraisal waived. 

Since XXXX we have sent in document after document and theyve been lost by Freedom Mortgage every single time. I've had multiple people assigned to this loan and no one can give me clear answers on what's going on with the loan. 

Because the originator overvalued our home and the appraisal came in " under value '' we were contacted by Freedom Mortgage letting us know that this would cause some issues with the loan and it might be better to just restart the process. After confirming that it might not be that big of a deal and would only impact escrow we moved forward with the original loan package. It was once again, reassigned. 

During this time we've been repeatedly asked for documentation showing that we have cash to close, despite repeatedly telling Freedom Mortgage we were interested in rolling that into the loan itself. We are now almost three full months after this initial process and we are once again being told that we have to provide documentation and cash to close - even after signing paperwork that rolled that cash into the loan on XX/XX/XXXX. I have tried to contact managers, consumer advocates, the loan originator on file and have not received timely responses or answers regarding why this package is so messed up or whats going on. It does not seem as if Freedom Mortgage has lenders that are truthful or if they even know what's happening with our loan. They consistently lose documents, have not honored the loan package we were sold, have not communicated the why behind the loan we are being sold, selling us this experience as an easy and fast process that will lower our monthly payment and at the end of the day I may not even be able to complete this process because of their inability to do their job.

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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I have received three or four letters from Afni collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois XXXX, XXXX. 
Last notice date on XX/XX/22 stated I owed {$770.00} to XXXX. Credit acct XXXX. Afni , Inc acct : XXXX The company stated a discounted offer : {$380.00}. I replied to the first letter in writing via mail I received that I did not owe this debt. Ive had XXXX & XXXX for many years not XXXX. 

Is this a scam targeting the elderly?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
At about XXXX, the caller called my boyfriends phone and told him that his calling from Bank Of America and our joint account is being hacked. The caller proceeded to have my boyfriend download an APP and had full remote access to his phone and transferred XXXX increments of money starting from {$490.00} to {$490.00} totaling {$2900.00}. By the time the figured that it was a scam caller, they had already transferred the money out of the account. We called Bank of America immediately to notify them of such act. They then closed the account, open a new one and transferred the remainder of funds into the new account. The. All we kept calling all night, and my boyfriend went the very next day and bought a whole new phone because they had access to the old one. Bank of America, sent us a letter debuting to pay us back. This is unheard of. We filed a police report with my town and hoping they can find these scammers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16 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:
I want to complain about inaccurate account and payment information as it pertains to a XXXX XXXX XXXX account that is currently been reported on my credit report. The account number for this XXXX  XXXX XXXX account is XXXX. 
Account and payment info are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Once again I have paid off hundreds of dollars of merchandise on credit and all three XXXX, Equifax, and XXXX have not reported the great work pertaining to my credit. I have the paperwork to prove it as well. I have paid off hundreds of dollars of equipment on credit with the company XXXX XXXX XXXX and it doesn't show on any credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: IL

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

Company 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 2022-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Recieved notice of a credit card being issued in my name that I never applied for while I was out of the country. Identity Theft / FRaud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/2022 I attempted to register my prepaid XXXX  debit card using XXXX as instructed on the card. I tried 4 different browsers, 2 different computers, and 1 phone and all results were the same " Oops there was a problem ''. I called in to the XXXX phone number to resolve the issue. After 2 hours on the phone, I was hung up on by a supervisor. The agents could not resolve the issue without me " validating the card through the automated system '', however, THE AUTOMATED SYSTEM NEVER GAVE ME THAT OPTION! When I call in and enter the account number, the system sends me directly to a representative with no other options.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16 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: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Specialised Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX Friday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay

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 2022-02-16 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: NY

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.

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 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cherry Creek Corporate, LLC
State: CO

Complaint narrative:
I have have been trying to remove my PMI for months now and my mortgage company is dragging it's feet as I continue to pay ~ {$90.00} every month. 

XX/XX/XXXX : First contact my mortgage servicer about removing PMI. I followed up several times via email and phone before finally getting an answer. 
XX/XX/XXXX : Paid for and ordered XXXX to remove PMI and was told it would be completed in 20 days. No one ever contacted me. 
XX/XX/XXXX : No one called about XXXX so I called back. Said they'd look into and call me back. No one ever contacted me. 
XXXX : Called them again and they said the payment was rejected even though it was supposed to just go on my mortgage. No one ever reached out to tell me that is was rejected or why it was rejected. I paid AGAIN via debit card this time. 
XXXX : Called again because no one had contacted me. They told me 5-7 days someone would contact me. 
XX/XX/XXXX : 7 days from last call and no one had contacted. They told me to keep waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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 reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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