vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
I recently went through a refinance process with Better.com for $ XXXX principal left on my loan, with a cash out of approx $ XXXX. I signed the closing documents on XX/XX/XXXX with the right of rescission period ending on XX/XX/XXXX ( Saturday XXXX XXXX, skipping XXXX. I did decide to cancel, and sent the notice of cancellation documents that Friday via email to my closing agent as well as the mortgage agent, and also uploaded it into the provided space in the Better.com site. I also received confirmation of receipt by the closing agent as well as by another agent that they received my cancellation via email and on their site. 

Since then, it's been two weeks and they have yet to fully process the cancellation. My original loan company is still showing as being fully paid off and I'm unable to make my mortgage payment because of it. 

I've contacted my closing agent every other day or so, as well as have wired the cash out back to the title company. The closing agent said that he had submitted the cancellation that Saturday, and reassured me on Monday that everything was cancelled from their end as well as from the title company. He also stated that the reason everything went through was that because it was a " holiday weekend '' everything had been automated before then. Additionally, since he was out on Friday he couldn't click the button - even though that Friday was part of the rescission period. 

Since then, I keep on receiving automated messages from them about funding the refinance as well as next steps to take with the new loan. When I emailed him about each new email, he kept on reassuring me that everything was fine. 

When it went past the first week of XXXX, I started worrying about my XXXX mortgage payment, and the closing agent again reassured me that it would be fine. He finally told me on XXXX ( 1.5 weeks after I had rescinded ) that currently it was not Better.com 's fault that the cancellation has not completed. 

I'm very frustrated that it has taken over two weeks so far for a cancellation to fully process, as well as the closing agent 's runaround in saying that the reason for everything is because it was a " holiday weekend, '' which they must have known and planned for if they had me close right before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern I was a customer of yours for 7 years never once 30 days late. During the onset of the pandemic I had an active dispute on file for which your team advised they were not attempting to even collect the minute balance of {$230.00} while under dispute.

Despite such I then started to received excessive calls with regards to simple {$27.00} payment. I advised of the circumstance and that I was more concerned with the pending uncertainty as it pertained to covid 19 and that this account was already under dispute. 

I was advised that the months of XXXX and XXXX were reset to zero with no payment due and my next monthly billing would resume accordingly if dispute not resolved in XXXX. I ended up paying the account in full at the end of XX/XX/2020. 

This account continue to report adversely and inaccurately representing XXXX initially. I contacted your office was advised that never happened until I sent proof then it got fixed. Problem is I lost thousands in credit because of this with not so much as an apology let alone a resolution. Additionally I know what I was advised and my 7 years of never having been 30 days late clearly illustrates this is not an accurate depiction of my payment behavior as a consumer. 

I was not late and was advised these were covered I also paid in full. 

Please adjust the reporting of these or remove the account completely from my credit profile. It is my sincere hope despite all this has already cost me that we can move forward with a swift and amicable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have wrong manes listed and alias name that is not mine and previous addresses that I never used

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 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
Dear Sir or Madam, I'm XXXX XXXX from XXXX, NC. I've been disputing this collection agency Hunter Warfield , Inc.XXXX XXXX XXXX XXXX. XXXX, FL XXXX, Phone : XXXX, Email : XXXX. I'm XXXX XXXX from XXXX, NC and I'm disputing a company called Huntington Warfield. I have contacted this company on several occasions since XXXX to resolve a debt that I disputed from a company name XXXX XXXX XXXX, that I had rented a home from over 2 years ago that claimed that I owed monies for basic wear and tear of the rental home. Therefore, they had sold the account to Hunter Warfield who has been harassing me for a couple of years to collect approximately {$2000.00} dollars. Therefore, this year Ive tried to contact to resolve the collection debt and to negotiate a pay-off. On XX/XX/XXXX, I called to negotiate a pay-off and the lady on the line stated she will allow me to settle and pay {$1400.00} to pay the {$2000.00} balance off in full. Therefore, I gave her my credit card information and paid {$1400.00} and she stated that I will receive a receipt that the debt was paid in full for the complete balance within 24-48 hours to my email. The complaint is the following day the lady calls back and states that I owe {$1500.00} more dollars before the debt will be paid off. I then reiterate what she had told me on XX/XX/XXXX, that my account balance was paid in full. She stated that she didnt tell me that. I was very upset and I disconnected with the lady at Huntington Warfield. I decided to call back on XX/XX/XXXX, and requested to speak with a manager and received a gentleman representative that stated I owe over {$2000.00} now and stated that the lady representative did not suppose to have negotiated with me on the balance. My second complaint is that they are trying to scam and price gauge me because my debt was only {$2000.00} and I paid {$1400.00} on XX/XX/XXXX. Therefore, how do I still owe {$2000.00}? Please help this collection agency has made my life so miserable and they are allowing me from being able to rent another place for me and my children to live and at this time we are currently XXXX. Please HELP! 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CT

Complaint narrative:
An error was made by the mortgage company ( Dovenmuehle ) where they made an additional escrow payment in XX/XX/2020 to the city of XXXX, CT. As a result, my account was reflected on their side as being underfunded and they increased our new payments by XXXX $ XXXX/month. I have reached out to them for over 2 months now to resolve this issue multiple times proactively and they have told me that they lost their analysis, needed to conduct a new one, and they still have not resolved my issue. This issue is solely with Dovenmuehle and we can not afford to keep paying these overinflated monthly payments because of a mistake the mortgage company made in error. I need help because the mortgage company continues to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I placed an order today ( XX/XX/20 ) and was charged too much for tax. When contacting the company about it, I was told to accept a gift card and to dispute through the bank issuing the card the order was paid through. When contacting the bank to address the dispute, I was hung up on. I was overcharged .015 % and am not interested in a promotional gift card, I am interested in correcting the rate assigned to the purchase in order to more confidently plan for any future purchase I might make. It is unacceptable to be hung up on when explaining this to the bank, who has seemed to refuse the dispute by hanging up on me.

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 2020-12-11 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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.

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 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been trying for over 3 months to close an account that had a fraudulent ACH charge processed on the account. I have called Bank of America in excess of a dozen times to try to resolve this and been on hold and/or with multiple representatives for multiple hours, with no progress in resolving this problem. The account is presently showing an almost $ XXXX deficit when I log in on line even though it should have a small positive balance. This is causing problems with all of my account summary views since they include this negative balance. I would appreciate it if someone at Bank of America could attend to this before the end of 2020.

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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have names listed wrong my street number listed wrong and previous addresses listed that are wrong

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 2020-12-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I sold my home yesterday. I had been trying to reach Caliber Home Loans to ask about what payments are due before selling a home to avoid a credit ding. Their customer service line does not reach a person. The only options are 1. Make a payment through automated system 2. Listen to automated info 3. Call consumer advocate. 

When you follow the prompt for consumer advocacy, the message gives a new phone number to call. When you call that number, you're taken back through the same automated system. 

I tried calling multiple local branches that do not answer the phone. 

I sent an email through the customer portal and was given an automatic response to call the same customer advocate number. I filled out their promise for payment form and selected pending sale and received an error message. 

Because of all this, I missed one payment due to lack of info from Caliber, knowing I was selling my home. 

When we arrived at closing yesterday, the payoff provided from Caliber looked incorrect. It shows we owe Caliber money in escrow, which didn't sound right because the county is sending me a refund for overpayment of taxes. I'm happy to pay if accurate, but need proof that this amount is owed Caliber. I tried calling again, and finally reached someone at the branch who transferred me to a customer service rep. Customer service transferred me to the property tax department, who said they don't handle new payoff paperwork. They also said that they paid over {$5000.00} from my escrow for taxes, which would still be an overpayment by about {$1200.00}, as I just received my tax statement from the county yesterday. I was told customer service would have to do the new/corrected payoff sheet. I then got transferred back to the same customer service number that is impossible to reach a live person. 

I have tried multiple numbers, including branches/sales offices today to reach someone and have gotten mostly no answer. I finally reached one person at a branch who transferred me to a live rep who introduced herself on the phone and immediately put me on hold for 10 minutes before hanging up. I hadn't had a chance to say a word. 

Our title company is holding funds for us until this is worked out, but if I am not able to resolve Caliber 's failures by Monday, I will have a second missed payment rather than a paid off mortgage. I'm furious that I'm doing everything right and the mortgage company 's incompetence is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am trying to switch my natural gas provider who does credit check with experian. So I request a temporary credit unfreeze via their website. It gives me a single-use PIN that does not work and my gas provider is not able to do a credit check. I tried to call them but it takes me thro an automated message system that does not help ; i tried their web site again and that does not help. Finally both methods ask me to mail the information with supporting documents via snail mail to some experian address. 

The web site or FAQ 's does not provide simple steps/information on how I can unfreeze my credit - and phone numbers take you thro ' a loop with a whole bunch of automated messages that are counter intuitive - at least it failed in my case. At least for such cases, I should have an option of getting it touch with some human being. 

The credit agencies should provide a simple straight forward process/procedures, either via web sites or a phone service with option to speak to a customer service representative to resolve issues promptly. If they can not do that, they should not be in the business of holding and managing consumer credit matters.

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 2020-12-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MT

Complaint narrative:
I have called the company 3 times. XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX.

The company is Vanilla Visa Gift Card Customer Care XXXX XXXX XXXX XXXX, GA XXXX  Phone # XXXX I purchased a Vanilla Visa Gift card this last year. I put {$200.00} on this card. When I tried using it online it would not work on XXXX  and XXXX. With {$55.00} left on the card, it quit working even locally. I contacted the company and they said that they would send me a new card for the amount left on the card. That has been over a month ago. They still have not sent a new card. The last time I called the lady hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: FC HoldCo LLC
State: CO

Complaint narrative:
I currently have an auto loan with XXXX XXXX. I was financially strained by COVID 19 and utilized the forbearance option with Flagship. Although I was in forbearance, they still reported my XXXX payment as late. This caused my score to drop 48 points. I have spent the last 2 months trying to have someone reverse the derogatory remark from XX/XX/2020 but it has been to no avail. They have done nothing but give me the run-around. Today I tried once more, reminding them of the Cares Act and how it is illegal to report delinquency when the loan was in forbearance. However, they continued to give me the run around, repeating the same message, to go back to the credit bureaus and request that they remove it. I have spent countless hours on hold with this company, being passed from agent to agent with zero success. A friend suggested I reach out to the CFPB to handle it once and for all.

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 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: CO

Complaint narrative:
The company listed as " Monarch Recovery Management '', phone number XXXX, has been constantly calling me on a daily basis. I have no debts owed and they are trying to aggressively get me to pay money that I do not owe by constantly harassing me. 

I have contacted the company numerous times to stop calling me and they confirm each time that they will cease all calls to my number. They just keep calling multiple times a day and have ignored my requests to cease their harassment. 

This has been ongoing for several months and it is terrible.

Company response to consumer: Closed with explanation