vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: OR

Complaint narrative:
I am XXXX payments behind on my mortgage with XXXX XXXX Mortgage due to financial difficukties due to the pandemic. I requested mortgage assistance from my XXXX XXXX, ( XXXX ), who offered a number of different options, including adding the XXXX payments to the principal, or getting a XXXX  interest loan from the government to catch up, and the loan would be added to the back end of my mortgage. I spoke to XXXX a few times about what was required to submit my request and application and I provided what they asked for along with additional proof that my financial issues were directly cause by the pandemic. I was told that it would take XXXX weeks for determination. I thought I did due diligence. 
I evicted a tenant who was in the lower unit at the property after not receiving payment for XXXX months. I live in another state and had a trip planned in XXXX weeks to repaint, do repairs, and re-rent the aprtment. XXXX XXXX immediately changed the status of my property to " Vacant '', although I have XXXX other occupied apartments in the building. XXXX XXXX, ( an independent contractor with XXXX Inspections in XXXX  ), then broke into the recently vacated apartment and changed the locks, right after I had paid to have the locks changed. They posted a notice on the door that the property was now under the management of XXXX XXXX XXXX. None of the phone number listed on the posted notice for XXXX XXXX XXXX are answered. XXXX inspections do not aknowlege XXXX XXXX as an employe, or that they know who he is. I called XXXX and they admitted that they had listed the property as vacant and gave me a number for XXXX, a property preservation company that was supposedly handling my case. I called XXXX, and they had no information about my property, but they admitted that XXXX gives out their number very frequently. XXXX  is giving me the run around and, scaring my tenants by making them think my property is for sale/foreclosed and lying about who is managing the property while at the same time telling me that they " will work with me '' to find a way for me to better afford my XXXX late payments. They also sent me a notice saying that they require proof that the property is insured, although they pay my insurance policy with XXXX quarterly directly. I don't think harrassing my tenants or not telling me what they are doing is legal and of course it is immoral, not that I can expect that. Feel free to TRY to reach anyone at the telephone numbers provided by the property preservation company. What is my recourse if any?

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 2021-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My Lowe 's Advantage credit card was closed and the company is requesting that I, a natural person, the consumer make payments to them. I called and asked why was my account closed and they said it was because there 2 automatic payment attempts that did not go through. This is due to the companies billing error. 15 U.S. Code 1666 - Correction of billing errors. This was an adverse action pursuant to 15 U.S. Code 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. 

Pursuant to 15 U.S. Code 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

This account is supposed to be an open end consumer credit plan. 15 U.S. Code 1637 - Open end consumer credit plans.

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 2021-11-10 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: NJ

Complaint narrative:
I sent certified letters in XXXX, XXXX and XXXX with NO response from Equifax ofXX/XX/XXXX. These letters were informing Equifax the inquiries being reported on my credit report are not mine and I did not initiate. I also called Equifax and spoke with their special unit team who then acknowledged they had received my letters but told me they could not remove those inaccurate disputes. They referred me to write a complaint with the FCC as proof of not initiating said inquiries, and also told me they could not remove any without a letter from the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I refinanced my home earlier this year with Caliber Home Loans. It was not a simple loan but Mr. XXXX affirmed with me that they were capable and confident of what was involved. Both loan officers, XXXX & XXXX XXXX were courteous throughout the loan process. In initial conversations with XXXX I was told not to worry about locking interest rates and this was his job to monitor the market and he affirmed he was good at his job. He quoted me an interest rate of 2.45 % - 2.85 % with loan fees totaling {$4100.00}. He said he would lock the rate in when appropriate and not to worry about costs increasing that the market was good. 

Given the market conditions Calibers business increased over this time and they had multiple loans being processed. The office seemed to be moving slowly in acquiring documents, increasing the time in the closing of our loan. Even after formal Approval the underwriter continued making additional requests increasing the length of escrow time. This became my problem when the lock-in rate which I had been led to believe was not a concern, elapsed. I was not told that this was to elapse but I saw later that it was written down - my loan officer failed to inform me. 

In the final week I received DocuSign loan documents which I did not sign when I saw the loan costs had increased to over {$12000.00}. This included {$4500.00} in estimated real estate taxes and property insurance. This was never discussed with me and I talked with XXXX saying this was NOT what XXXX had talked about and must be a mistake. He said he thought he had seen something irregular in the loan costs and not to concern myself with it. 

My initial closing costs jumped from {$4000.00} to {$12000.00} on XX/XX/XXXX and finished with {$15000.00} at closing and this no longer contained the original {$4500.00} in taxes and insurance- it was mainly fees. I again inquired about the previously mentioned increased fees, and XXXX said XXXX had said there was nothing to be done at this point and that Caliber was actually losing money on this refinance. Market interest rates seemed to be rising and I was not going to take a chance and go through this process again. 

I believe there was a lack of integrity, honesty and straight forwardness. We were charged much, much more than we were lead to believe and if Caliber had not been so busy with other loans, and had processed the loan within 60 days as discussed, we would have had an interest rate of not more than 2.65 % and much 1/2 in loan costs. 

In the end of all of this I should have only had to pay 50 % of what I actually paid. I am thoroughly not happy with the ending here. I believe they owe me {$7500.00} in which they overcharged me. I was planning on this extra money to pay off loans and why I originally sought to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I informed TRS recovery services that they were attempting to collect on identity fraud and they responded by dunning me. At some point they also sent me an egregious letter demanding personal information such as my social security number, bank account numbers, etc. I ignored this request as unfounded, especially since it came after the notice from me. I can locate that document if necessary. 

In addition, they are back dating their letters to make it appear longer periods of time between responses. There are no postal XXXX on their envelops but they are sending by USPS. They are sending letters to my office at the name XXXX XXXX which does not exist. They did not include a suite number. The later letters was sent to XXXX XXXX still at my office. They don't even know who they are attempting to collect from! 

I am sending a second letter ( certified mail ) to them informing them of the identity theft. This was reported to all of the credit bureaus and I requested my accounts locked. 


Letter Dated Received XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX ME TO XXXX Deny per Fraud XX/XX/XXXX FAX Proof of Delivery XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
The company AMERIFINANCIAL SOLUTIONS has been reporting a debt on my file with the XXXX credit bureaus. I reached out to them XXXX via letters sent via certified mail asking for verification of said debt. The XXXX letter was sent around XX/XX/2021. After not hearing a response back to my first letter, I sent a XXXX  " Final Attempt '' letter on XX/XX/2021. After not hearing back from that final letter after XXXX days from XX/XX/XXXX, I decided to call them on XX/XX/2021. 

It is my understanding that when a consumer makes a request for verification, the creditor has XXXX days to respond. In each instance, I never received response from creditor. During my call on XX/XX/2021 the creditor admitted to having received my correspondence letters and stated that they sent letters back to me each time. I have not received a single letter and asked how they can verify that they sent said letters because I can see XXXX letter not getting to me due to carrier mishandling but both letters, that's highly unlikely. When asked if they sent the letters via Certified Mail as I did ( which shows that I can prove I mailed the letters and they in turn received them ) they responded that they did not and nor did they have to. I let them know that they then have no way to prove that they sent me a letter all they can do is state that they sent the letters. 

I finally asked them to provide the contract signed by me showing my signature and clearly verifying that said debt belongs to me and they told me that they did not have to provide signature ... that all they needed to do was show the name of the original debt collector and the amount. I told them they are in violations of The federal Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 

I concluded the call by letting them know I would be contacting the XXXX as well as the state attorney general to mount a complaint and they told me to go ahead and that when I do so, they will be able to provide the XXXX with a signed contract with the original creditor signed by me. 

Also I have reached out to all the credit bureaus multiple times regarding this and each correspondence states that the debt has been verified buy creditor yet I have not seen any verification documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
this is a huge fraud Contacting the creditcard company to help they asked for info like my receipt well they are the creditcard company they see the charge, the company locked the account not allowing me to make a copy of the receipt. 
creditcard company asked to obtain a letter from another company stating the price paid was to high? what companty will do that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-11-10 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
On XX/XX/XXXX I initiated a money transfer ( # XXXX ) using WorldRemit service. Total amount u $ s XXXX. After that I never received any communication indicating there was a problem with the transfer. so I assumed everything was taking care. 
On XX/XX/XXXX I received an email from Worldremit stating that the above mentioned transaction was never completed and they were going to issue a refund. 
On XX/XX/XXXX, I requested information on the refund via online chat and I was given a Case Number to my claim ( XXXX ) to use for future reference. 
On XX/XX/XXXX I requested via online chat an email address to request information and I emailed a request on the refund status. 
On XX/XX/XXXX, I forwarded bank account information as a response to an email from WorldRemit in which they stated they were having " system restrictions '' and requesting Bank account information to proceed with the refund. 
On XX/XX/XXXX I emailed Worldremit requesting an update on the refund. On XX/XX/XXXX once more I contacted Worldremit via email to no avail, I also contacted Worldremit via online chat and provided once more my bank information to no avail. 
As of today I have yet to receive the refund from WorldRemit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: DE

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA on XX/XX/XXXX via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a/ BANK OF AMERICA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA is now civilly liable to pay me for the damages caused.

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 2021-11-10 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: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has allowed 4 accounts ( checking and or savings ) to be opened this year under my name. Two in XXXX and another two around XXXX. After receiving mail ( correspondence or statements ) from them I contact Wells Fargo to close the accounts. They stated the accounts were closed and sent me letters to confirm closure. 
I received mail in XXXX regarding an account that Wells Fargo stated was closed in XXXX. Since I did not open these accounts I only have the last 4 digits of the account and Wells Fargo is generally unhelpful when I call and stated they will not provide me the full account numbers or a fraud protection solution since I am not a customer. 
I have never had a Wells Fargo account. I do not want them to have my information on file as this repeated situation is a serious concern to me for many reasons. 
I have reviewed all credit reporting agencies and this is a Wells Fargo breach issue as there have been no other discrepancies in my report regarding fraudulent accounts. Wells Fargo at the very least should provide XXXX or similar service to me as a result of their careless verification practices.

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 2021-11-10 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: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I was contacted by my bank due to refinancing our house. The bank stated I.C.Systems had a collection on my credit report. 
I called I.C. Systems and spoke with them. I ended up paying the amount of XXXX after explaining that this was not correct and I never had XXXX XXXX I paid simply for the fact to get this off my credit and so my bank could proceed. I did not understand at the time that I needed a deletion letter from the company. 
I called I.C. Systems back and asked for a letter which they could not provide. I then spoke to a supervisor and told her my situation and asked for a letter. She ( XXXX would not provide a letter. The debt was paid and I only needed a letter to give to the bank to continue my loan. I.C. Systems would not provide this and I feel this is not how you treat a victim of possibly Identity Theft. 
I then called XXXX XXXX and spoke to XXXX different associates including an Identity Theft Investigator who also stated the process will take 6-8 weeks. I am currently having a police report competed and filling out the XXXX XXXX Affidavit. My concern is that neither XXXX of these business have a protocol in place for victims. A victim should not have to wait weeks or months to get a simple letter on letterhead.

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 2021-11-10 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivable performance collection agency illegally reported a fraudulent account to XXXX and XXXX using another account number. The previous dispute was accepted and deemed as fraud ( police report and ftc report submitted ) and account was removed. Collection agency then reported again using a new account number.

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