vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
This is not the most clear cut case but I have concluded that it comes down to bad communication between the billing department and insurance department of my lender. 

I closed on my property last XXXX XXXX XXXXXXXX XXXX and the mortgage was purchased by M & T bank within a month after the closing. The flood insurance that was considered sufficient with XXXX was considered insufficient by M & T, they sent out a letter informing me of this which I did not receive until two weeks before the deadline to revise my flood insurance policy. I informed my insurance agent who in turn tried to get me a policy that was in line with M & T 's demands ; this could not be accomplished by the deadline and M & T in turn purchased flood insurance for me which was in effect until I could get a sufficient policy in place. I got a new flood policy enacted on the XXXX of XX/XX/2021 and the policy that M & T purchased was then canceled. 
I was told that I could apply with FEMA for a map amendment to see if I could remove one of my two structures that was on higher ground from flood insurance. I applied using my flood elevation certificate. The map amendment came back about 4 weeks later and it was determined by FEMA that it was not necessary to have flood insurance on the guest house structure. I submitted it to M & T insurance division and a week or two later they sent me a letter stating that I no longer needed flood insurance on the guest house also referred to as the cottage. That was in late XXXX early XXXX. I then canceled the flood insurance for the guest house which is also listed as XXXX XXXX XXXX with the county, and the primary house being listed as XXXX. I have been receiving contradicting letters from M & T due to flood insurance ever since I canceled my flood insurance on the guest house ( XXXX ) and even going back further than that but my complaint now stems from getting notices saying that I do not have sufficient flood insurance and that flood insurance will be purchased for me by M & T if nothing is done about it. 
This has been a constant back and forth for which I do not have time to deal with, and something that I have spent countless hours on the phone with many different agents in billing and insurance even on three way calls always ending with the problem being resolved yet still receiving these notices via letter and on my website account. It has caused me great stress and taken up much of my time, I just want to pay my correct bill and live my life besides without worrying about my insurance defaulting.

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 2022-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
SN Servicing ( aka SNSC ) assumed our mortgage from XXXX XXXX XXXX in XXXX. In XXXX & XXXX we lost XXXX immediate family members to XXXX & became behind on our payments. In XXXX & XXXX we made substantially large mortgage payments ( $ XXXX ) to help rectify past payments & show good faith going forward. Payments were consistently made XXXX & XXXX until we were impacted with Covid in early XXXX. 
Covid packets from SNs website were completed & submitted timely throughout the pandemic, notifying changes to our status regarding payments. We requested the ability to make partial payments but instead our account access was locked, preventing any payments to be made nor the ability to view the status of our account. Repeated requests were made to SN regarding updates to our account with no response. 
XX/XX/XXXX we were notified via text from a 3rd party broker our home was in foreclosure & set to be auctioned XX/XX/XXXX. Upon reaching out to the XXXX listed in the newspaper advertisement, then did we receive a copy of the foreclosure documents. 
The property acreage is listed incorrectly at XXXX & the XXXX  was notified postponing the sale until XX/XX/XXXX. As of today, it is still incorrect. The correct acreage is XXXX, as my husband sold XXXX acres in XXXX. 
SNSC is demanding ~ $ XXXX to reinstate the loan or $ XXXX to postpone the sale for a few months to give us time to find refinancing. Neither of these options were what I thought was outlined in the government Covid relief plans, nor was the ability to charge late fees during Covid? I also thought the Covid relief plan included modifications to help borrowers have more affordable payments, by restructuring the loan with longer terms & potentially lower rates /payments. Even if we borrowed $ XXXX to get the loan reinstated, the modification we received doubled our existing payment. We CAN easily pay our previous $ XXXX payment but doubling the payment to $ XXXX we CAN NOT afford. 
When I asked if SN would work with us on reinstatement of the loan or different modification terms because we fell behind due to Covid, they stated the foreclosure was not associated with Covidbut the past due amount pre-Covid which I thought we had negotiated & put to rest with the $ XXXX that was paid in XXXX? We paid $ XXXX in XXXX check & in the payment ledger provided, I cant determine where any of those large payment were actually applied. I wouldve thought paying large amounts would have made a huge dent in the overall payment? 
We need help desperately. The late fees & misc charges SN has charged us over the past XXXX  years is astronomical. I understand at times we have fallen behind but they make it impossible for borrowers to recover. Please help us save our home. 
I have attached the ledger of our account for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX Bank - XXXX 2021 an unauthorized inquire.. 

XXXX XXXX XXXX XXXX 2021 an unauthorized inquire.. 

XXXX - XXXX an unauthorized inquire.. 


In accordance with the Fair Reporting Act...

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Caliber home loan has not operated nor practice the federal and state guidelines concerning our mortgage modification. Since XX/XX/XXXX of XXXX we have submitted loan modification application and paperwork time with the assistance of a housing counseling XXXX XXXX. 

The property was tax except since XX/XX/XXXX due to me being a Veteran And a First Responder from the World Trade Center. 


] A. This information was provided to them in late XXXX B. There was numerous communication to change the mortgage payment and they never adjustment. 
C. XXXX had submitted the modification request for a lower payment in addition to removing the taxes on the house. 
D. Caliber waited until the eviction mandate had lifted and filled paperwork by XX/XX/XXXX th to have our house up in sheriff sale. Our XXXX representative had submitted the paperwork and was told that the loan modification department is working from home and has been backed up for some months and is currently updating the system. but this did not stop them from trying to put our house up for sale. We later receive mail that they received our application and currently reviewing it. Our Biggest problem is that the amount that is listed as owed is about XXXX dollars more than the actual amount. They had calculated the payment of what is owed with the taxes included. Caliber was supposed to notify the sheriff and their third party to remove the house for the sale but currently it is still listed with a sale date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
To Whom it may concern : I have the right to be treated by a collection agency with dignity and respect. 

They called but never sent a letter notifying me of the debt. They called in early XXXX, and I was able to send letter dispute in XX/XX/XXXX, but they never acknowledged the debt. Then I noticed them on my credit report, and sent another dispute and cease and desist letter in XX/XX/XXXX, but again no acknowledgement from them. Finally a letter from attorney from XXXX ( a senior citizen consumer protection group ) sent them a cease and desist letter in XX/XX/XXXX and also notified them that I was on protected income - social security income. Now, they are calling and contacting me again. It seems like they try to contact me about this every few months hoping that all previous cease and desist/ debt validation letters will be forgotten. 

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.

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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I'm the most recent victim on Chime Financial Inc. 

My account has been abruptly flooded with withdrawals in various amounts totaling {$1700.00}. I contacted Chime Financial customer support about the problem, the withdrawals were continuing to hit my account throughout my conversation, with each transaction ranging between {$20.00} and {$500.00}. Even though the transactions were still pending, the chime permitted the fraudulent transactions to post in my account the following day. Now I'm completely reliant on Chime to return my hard-earned money. It's been two days since I filed a claim, and they have yet to give me with any solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This is a follow-up to Complaint ID # XXXX with Portfolio Recovery Associates , LLC XXXX In today 's mail ( XX/XX/22 ) I received XXXX letters. They pertain to the accounts ending in XXXX and XXXX. Two of the letters state, " In our previous letter to you ( What " previous '' letter are they referencing? ) we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. To date, we have not received this information and can not complete the investigation. Since we have not received this information we are terminating the disputes investigation pertaining to this account. '' So, once again XXXX is being manipulative and making false statements. I have already emailed them to the email address provided to me by the representative that I spoke to with the screenshots, with the information on the letter received from XXXX XXXX and with screenshots of chat conversations. In addition, those same screenshots were attached to the original complaint filed above. They also have the recorded conversation had with their representative, as they advised me that it was recorded on their end. In addition, the amounts on the letters acknowledge NO settlement now. 

They also have record of the chat conversations and the multiple screenshots I sent of the settlement balance in my account before they inflated it. 

In addition, this morning they again removed the account XXXX from online access so it could not be paid. 

Once again, the resolution to this is to simply honor the settlement amounts agreed to, which is {$440.00} for the account ending in XXXX and {$410.00} for the account ending in XXXX and I will pay them as soon as the accounts are again made accessible. 

The extremes to which XXXX is going through to make making payments as difficult as possible is absurd and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2022, I bought {$200.00} XXXX gift card using my Discover CREDIT card. 
When I tried to use it, the barista at XXXX said the cards had {$0.00} balance. I contacted XXXX and they kept giving me a turn around. They said someone would email me regarding the result of investigation. Then I got an email from XXXX saying I needed to call to have the matter looked at. Then it went back and forth for several times without a solution. So I contacted Discover asking for a charge back ( that was what credit card customer service was for : to assist customer with situations like that ). Discover said they could not help any situation involving customers and merchants ( even though the customers were cheated ). 
Card number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ... XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, Dept Of Education/XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/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 non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/2022 XXXX XXXX / {$0.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: FL

Complaint narrative:
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 explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I sent {$130000.00} to Wise.com via Wire transfer on XX/XX/XXXX at XXXX XXXX time. The funds were delivered to Wise.com on XX/XX/XXXX at XXXX XXXX. This was meant to be an international transfer used for an emergency medical purposes. I chose Wise.com for their promise to deliver on XX/XX/XXXX itself. The funds were not delivered on XX/XX/XXXX, so I called on XX/XX/XXXX, and XXXX XXXX the agent I talked to ) told me there has been a hold up at the partner bank in XXXX and the funds should be delivered in a day or two. So I called again on XX/XX/XXXX, and talked to XXXX, who said the same. I called again on XX/XX/XXXX and talked to XXXX, this time he promised the fees of {$700.00} to be refunded due to the delay. But promised the funds will be delivered on Friday XX/XX/XXXX or Monday XX/XX/XXXX. Over the weekend, I got a call from XXXX also promising the same. I called again on Monday XX/XX/XXXX, spoke to XXXX, and heard that XXXX bank rejected payment. And again on XX/XX/XXXX I called and the lady promised no specific date when the funds will be delivered or refunded to me. 

After XX/XX/XXXX, even their tracker in app and website stopped showing updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help

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 2022-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Sierra Credit Corp
State: CA

Complaint narrative:
Complete amount was paid off. Now the Sierra credit States I owe another {$38.00} and they claim they sent a notice of this which they did not. The only reason I was even informed was due to me calling to find out where the pink slip of the vehicle is. This credit company even charges over {$6.00} to make a payment through either the automated system or on line. Also when I sent a check through my bank they would never cash is cash it causing my account late fees, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted Transunion and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as 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 non-monetary relief