vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I was trying to refinance my home, paid for the appraisal and provided my lender with all of the documents they requested. They and the title company arranged for a notary to come to my home for purposes of getting the documents signed so we can fund the refinance. The notary was supposed to arrive at XXXX. The notary did not show up all day. The lender was trying to re-schedule a notary for XXXX, but they knew I was not available later in the day because I am leaving town for XXXX. 

The issue now is that we will be into XXXX by the time I get back, at which point they have told me that they will need to run more numbers and it will cost an additional {$4000.00} to refinance due to rate changes. 

This was not my fault. I did everything I was supposed to do. All I have asked my lender for is the refund for my appraisal of about {$800.00}. I am not even that upset about the extra refinancing charges. I have simply decided after several customer service issues with this lender that I do not wish to work with them again. They are refusing to refund me anything for the appraisal. 

Not only did they not acknowledge fault for the issue, but they won't refund me for an appraisal i can't use, and they have told me that a new rate will cost an additional {$4000.00}. Everyone involved with the lender 's office was aware of my schedule. This is extremely unprofessional. On top of it all, my main contact at the lender has not picked up my calls since I spoke to her this morning about the notary not showing up.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Financial Credit Network , Inc. has committed several violations and the negligence committed by XXXX XXXX XXXX XXXX. This is a frivolous collection, the original creditor failed to notify me of any past due bills after I called in XXXX and closed the account. I was told there were no payments due, despite me giving them my forwarding address there was no notices sent to me. 

Also there is no original contract he creditor has that allows them to report this to my credit report. The collection company also has doctored the date of last activity and is reporting inconsistent information across all XXXX credit bureaus, despite my dispute with them. 

I request that your company deletes the account from all credit reports. The account information is as follows : Account # XXXX, date opened : XX/XX/2021, original creditor : XXXX utilities. 

Please see attached document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021, we applied for a cash out refinance of our mortgage through our current lender, M & T Bank, via their website. By XX/XX/2021, we have heard nothing. I sent an email to the contact lender generated at the time of application. Her name is XXXX XXXX, XXXX XXXX. She immediately responded and stated that she would like to speak with us by phone. We set up a meeting for XX/XX/2021 at XXXX cst. She never called. She never emailed with an apology for missing the appointment. She's never given us any updates on the application. And, she's never provided us the required Loan Estimate. 
The reason for the complaint is because we have yet to receive a Loan Estimate. The application was completed and credit has been pulled on my spouse and myself by M & T XXXX. 
At this point, we've taken a hard hit on our credit report which really isn't going to affect our chances of refinancing with another company because of our credit score. But, waiting XXXX weeks for communication on an update or having to ask for the Loan Estimate that should have already been provided is simply unacceptable.

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 2021-11-23 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: FL

Complaint narrative:
My request for the correction and removable of the erroneous information about my account has been diligently neglected by Experian. Despite sending them letter last XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE this account that is still reporting on my account : XXXX XXXX XXXX XXXX Opened Date XX/XX/2021 XXXX {$50.00}

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 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
In XXXX of XXXX, my mother was diagnosed with XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX, she filed for XXXX protection with her mortgage lender, Wells Fargo. In XXXX of XXXX, she passed away in the XXXX unit at XXXX XXXX XXXX. I am a XXXX adult who lived with her and helped pay the bills, but she used her retirement to pay most of them. When she passed, there was very little left in her retirement and she had no future planning. The funeral was paid and there was not much else left. 

The XXXX forbearance continued until XXXX of XXXX, when Wells Fargo informed me that the forbearance had run out. I went through the process of becoming the confirmed successor in interest, as my mother had left me the house. I was told by the company that when I became confirmed successor in interest, I would be able to have the forbearance added to the end of the loan and pay the loan as usual. 

I have been told now, though, after I am confirmed successor, that I must bring the account current and that the two mortgage payments I made ( {$1100.00} ) are only towards the back pay and not to bring the account current, as I was told by a young man named XXXX at the Account Resolution department that they would. 

Even though I am confirmed successor, I am being forced to assume a loan I will not be approved for, damaging my credit and losing my house. I feel as though this is contrary to both the spirit and the intent of the XXXX mortgage relief. Who, after a GLOBAL pandemic, is going to have an extra 18 months worth of mortgage payments sitting in their bank account if they couldn't pay them at the time?

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 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I recently received a Citizens Escrow Account Disclosure Statement dated XX/XX/XXXX. I have attached a copy of the statement ( page XXXX was intentionally omitted as it is blank ). 

You will notice on page XXXX of the attached Citizens statement showing my escrow activity for XX/XX/XXXX through XX/XX/XXXX, there was NO escrow payment indicated for XXXX, XXXX. While I realize that as of the date the statement was generated ( XX/XX/XXXX ) Citizens had not received any escrow payment for XXXX, it should have been estimated in the same way that the month of XXXX, XXXX was estimated. Citizens has only reflected XXXX months of escrow payments on their statement when there should be XXXX. 

I participate in Citizens ' bi-weekly mortgage payment program and my XXXX bi-weekly XXXX mortgage payments have already been made which Citizens ' online escrow records reflect as of today ( XX/XX/XXXX ) with an escrow balance of {$4300.00}. Once my XXXX payments are made ( which Citizens has appropriately reflected on the escrow statement as an estimate ), my closing escrow balance will be {$5700.00} and NOT the closing balance of {$4300.00} for 2021 Citizens show on their statement. 

This is relevant as Citizens is currently asking me to pay {$2700.00}, the difference between their incorrect XX/XX/XXXX opening estimated escrow balance ( {$4300.00} ) and the required opening escrow balance ( {$7100.00} ) as of the same date. 

To conclude, I believe the amount I owe Citizens at this point is {$1300.00}, the difference between your required balance of {$7100.00} and the correct opening balance of {$5700.00}. 

It should be noted that over the last week I spoke to XXXX different customer service representatives at Citizens ( XXXX of the XXXX was a supervisor and another of the XXXX was in the customer advocacy dept ). They all kept telling me that because the statement was generated on XX/XX/XXXX and no XXXX payment had been received at that point, my payment was listed as {$0.00}. I asked them why XXXX couldnt be estimated like XXXX was estimated and they really had no good answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For many months I have been trying to resolve this issue. Experian has violated my right under the XXXX  law and Fair Credit and billing Act. I have never been late and disagreed with the balance on this account XXXX XXXX XXXX {$190.00} Account number XXXX. I have requested full validation for this account and have requested who and what rights they have to collect on this account. I see in my Experian credit report that this account has a charge off and would like to see full information. Also request to see how Experian investigate this account and from where did they purchased my public information as I have opted out of any XXXX party vendors who may have sold my information to Experian without my consent. Please provide the requested information as soon as possible. If Experian can not, I demand this account be removed from my report.

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 2021-11-24 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: NY

Complaint narrative:
I have called equifax numerous times. I never consented to these inquiries. These inquiries are unauthorized. Delete immediately as you are in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: AFNI INC.
State: TX

Complaint narrative:
On TXXXX XX/XX/2021 at XXXX, and on another occasion I cant recall because the call list on my phone has erased due to so many spam calls, I asked the scam company to stop calling. I have a XXXX phone that has the app called XXXX XXXX that tells me the number they are calling from is a scam. The company is called AFNI and they call everyday, sometimes XXXX times a day. I want them to stop calling and harassing me when I have told them at least XXXX never to call me again. Please make these scammers stop the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I had a phone conversation with Portfolio Recovery to try to settle my XXXX gas card account. I was threaten to sign a consent to judgement form when there legal team sends it in the mail. I did do what the Federal Trade Commission site recommended to call my first creditors for a settlement. And as the XXXX says its XXXX Credit card account at a time to settle. Now I have settled most of my account and no one ever said to me that I can not pay my debts without signing a consent to XXXX forms. In fact I settled XXXX account ( XXXX XXXX XXXX XXXX XXXX ) purchase by Portfolio Recovery and I did not sign a consent to judgement form. I Think this is suspicious XXXX behavior to threaten my credit when I want to settle my XXXX account that was purchased by Portfolio. I know that sign a consent to judgement form in not a requirement to pay and settle a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau lastime. And now we are in the late month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: NM

Complaint narrative:
Axos Bank increased my monthly payment without notifying me and will not return any of my phone calls, messages, emails, or online chats. When I call their phone numbers, I am put on hold for hours and hours with no response. I want to resolve this issue with my mortgage, but they are not giving me an opportunity to discuss it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WSFS FINANCIAL CORPORATION
State: IL

Complaint narrative:
As soon as the Illinois XXXX lifted his Moratorium that halted evictions, Wilmington Savings Fund Society , XXXX ( working in concert with XXXX and its related entities ) through their agents caused XXXX XXXX Sheriffs to pay an unwarranted visit on my house XX/XX/XXXX in pursuit of void, purported foreclosure debt or fraudulently obtained orders. The interests of the perpetrators spring from unauthorized foreclosures that they conducted in every jurisdiction. The US Government already sued XXXX and its related entities ( XXXX ) for the underlying foreclosures that they conducted in fraud and was awarded {$470.00} XXXX in a settlement. But the perpetrators, with the help of an intermeddling company -- Wilmington, some kind of transfer agent, are actively pursuing the underlying unauthorized foreclosure " debt '' by presenting more false and fictitious documents ( including false certifications, affidavits, etc. ) to courts, the Sheriff 's Office, land recording systems, and local governments. They've hit me with a succession of false and frivolous eviction suits ( related to the illegal foreclosure ) filed in an inappropriate municipal district of court under seal XXXX! Caused a false quitclaim deed to be recorded against my property XX/XX/XXXX in anticipation of Wilmington vexing me with further litigation, and have also caused my property to be falsely listed for sale XXXX XXXX XXXXXXXX XXXX # XXXX ). The perpetrators have not, and can not produce the prerequisite proofs to show that they had complied with the XXXX when litigating their claims or to show that they have a legally valid right to sell or take over my property. They rest on fraudulently obtained orders that are the result of their own violations of the federal False Claims Act and state consumer fraud law ( See XXXX 's Press Release # 16-148 for 02/05/2016 ). Their actions are intimidating, coercive and ongoing, violating federal Fair Housing Law ( 42 USC Section 3617 ), and should be stopped. They are pretending to have an interest in my property when they do not, and are abusing civil process and the court system to pursue their false claims. Property tax records pursuant to the Public Act found at 55 ILCS 5/3-5010.5 ( e ) corroborate the fact that I am the rightful owner of the subject matter property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
See previous complaint with this company. They did not try to verify this account within the required XXXX days, and now wants to begin again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX *****Opened Date XX/XX/2021 Balance {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
Hello, I filed a report with the XXXX XX/XX/2021 ( XXXX Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with XXXX ( tracking # XXXX ), XXXX ( tracking # XXXX ), and Transunion ( tracking # XXXX ) on XX/XX/2021. It has been more than XXXX days and they have completely ignored my letters.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I filed a report with the XXXX XX/XX/2021 ( XXXX Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with XXXX ( tracking # XXXX ), Equifax ( tracking # XXXX ), and XXXX ( tracking # XXXX ) on XX/XX/2021. It has been more than XXXX days and they have completely ignored my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and Names that are not mine andXXXX late payments and XXXX charge off account that are not correct, a letter is enclosed that explains everything

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX and Experian are not complying with their own policies in a timely manner.

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 2021-11-23 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my XXXX Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the XXXX should provide to the client 's requests. Here is the concerned account : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation