vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Amerisave is the worst mortgage lender. I applied for a loan in XX/XX/XXXX and now it's XX/XX/XXXX and I'm canceling the loan. Amersave made a mistake on my first application that didn't get caught for a month. After the appraisal was done and all my paperwork submitted, we had to start over with a new application. Then the loan officer ( LO ) left the company and the new LO and the subsequent manager took no ownership over my file. Four months later I'm canceling my loan because they are no longer honoring the rate they promised me several times throughout the process. I requested several times that they lock the rate and they denied my request. 
It feels like a bait and switch. They promised me a rate told me their policy is to not lock until the file is approved but they would come through with the rate they promised me. Three different people verbally told me they would do this. My file was easy - w2 borrower and nothing tricky. They couldn't figure out how to transfer my appraisal from the original file. They kept asking me for documents over and over that I had sent several times. Every time I asked for an update on my file they said they were doing everything they could and some people gave me personal sob stories. They were completely unprofessional and incompetent. I wouldn't recommend anyone go here. I've done many mortgages in my life and this was by far the worst experience I have ever had. I should never have let it go on this loan. I had many options to go for a great rate back in XXXX and all those options are gone now. They have lost me tens of thousands of dollars over the life of the loan. They strung me along and kept telling me they were going to get it done. Had they been honest upfront and told me they were incapable of closing a vanilla loan I would have left a long time ago. What a waste of my time and money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Consumer Credit Services, LLC
State: FL

Complaint narrative:
On XXXX XXXX this terrible horror started started and spanned over the course of 4 weeks. I was spending some time with my family when out of the blue some guy named XXXX XXXX calls me. He claims to be some type of loan officer assistant whatever that is and tells me that my mortgage through XXXX  XXXX XXXX is going to be at a interest rate of 1.75 % going forward and I wouldnt have to make a payment for 2 months he also said that I would get back XXXX as some type of refund. What really bothered me is that he promised me I would get a 1.75 % interest rate and then sent me paperwork saying I would only get down to a 3.50 % from a 4 % and have a 30 year loan even though I was told it would be the payments remaining on my loan. After I got the paperwork a man named XXXX XXXX all but forced me to sign the papers claiming that the interest rate effectively was 1.75 % which was a lie. Things get worse from here. Originally I was told there was no cost to do this loan. The first time his company equifund was charging me XXXX for the loan. A week later he tells me that the only lender that will take my loan is some new company and their fee increased to XXXX for the same interest rate. I asked another loan company if there was a reason I could only use one bank and they told me that he did this because they pay him more money than the other guys So he tried to force me to get the loan from them. At this point I told him I was not interested anymore and asked how much money I have to pay to cancel. At first he told me I could not back out because I signed the disclosures and have to go through with the loan. Once I told him that I will not pay a single mortgage payment he said that I can send a cashiers check for XXXX to him as a cancelation fee and they will change my mortgage back to what I had. Turns out after I sent the cashiers check I did some research and found out I could cancel at any time. It was too late by then he already cashed the check. I have tried calling them for the past 3 weeks and they block my number. One time the guy XXXX answered and said he would get me a interest rate of 1 % and then When I said I was not going to take any loan from them he called me a dumba** for not wanting to save money. These guys have made me realize that theres really no good people left. I still have no idea if I have my old mortgage and am scared to make a payment and they wont tell me anything. Can someone explain to me what is going on? I fought in two wars for this country XXXX dont deserve to be treated like this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Timeline : XX/XX/XXXX - XX/XX/XXXX I : Actions taken by Borrower ( Me ) : I fully disclosed to this mortgage loan originator that I wanted to purchase a second primary residence in XXXX Texas through FHA. I provided the MLO all of my information in a timely fashion and communicated, early and often to notify the MLO that I was flying from CA to TX in order to seek this housing. I asked the MLO to pre-submit my files to underwriting on multiple occasions in order to ensure I qualified for the loan. 
XXXX : Actions taken by Mortgage Loan Originator ( XXXX XXXX / NMLS XXXX through " LOAN DEPOT '' ) Committed constructive fraud, demonstrating negligence in advising and overseeing the loan qualification process. The MLO pulled my credit multiple times, injuring my credit standing and failed notify me of these soft and hard hits in advance. The MLO provided bogus loan approval documents on multiple occasions implying I was eligible for a loan type which I actually NEVER qualified for in the first place. 
III : Committed actual fraud, intentionally misrepresenting the status of my underwriting file indicating it have been pre-screened and pre-approved for the desired loan time. The MLO assured me that due to their oversight they would refund my appraisal fee and they failed to do so after multiple outreach and attempts made to them for recourse. 
IV : The Mortgage Loan Originator ( XXXX Border NMLS # XXXX via " LOAN DEPOT ) violated my rights to privacy, disclosing non public personal information in unsecured emails with outside parties cc 'd on the emails who were not authorized to have access to my information. Further, the information they disclosed was false, inaccurate and presented me in a negative light.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: MS

Complaint narrative:
Experian has removed a account ( XXXX XXXX XXXX ) I dispute as fraud and they have added it back. I'm continuing sending in documents for them to remove it because it's a against the law in the Fair Credit Reporting Act that a company has 30 days to respond if they don't then the Experian must remove the item from my credit report. After speaking with Experian they told me that the company come back 60 days later and verified the account. The Fair Credit Reporting Act says they have 30 days not anything after. They didn't respond in a tmely manner that's why they Experian removed it. Experian is getting paid for breaking the laws and need to be investigated. I have attached the file which shows them removing the accounts from my credit. Please remove these fraudulent account ASAP.

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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In accordance with NYS law, I am hereby notifying you of my intent to bring a lawsuit against you for violating FDCPA Violation and FCRA violations. My grievances are thus. I will be pursuing settlement through the court system. 

Over the past months, since I have notified your company of my grievance and requested an investigation. I have received no compensation or acknowledgment of my request. 

If you wish to settle this claim with me or my attorney, XXXX XXXX, I am open to discussion outside of the courts. Please contact me at mailing address. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient student loan company harassing my father sending multiple false letters demanding past due amounts of fake student loans. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
There are two accounts on my credit report and multiple inquiries that are showing up that do not belong to me I dont know how many letters I have to write and how many phone calls I have to make to state that I did not open these accounts they are no way linked to me I dont know why they are on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : EXPERIAN  BUSINESS CRED Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-04-23 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: EQUIFAX, INC.
State: DC

Complaint narrative:
There are accounts showing on my credit that are not my accounts! I was going over my credit again when I noticed them! I am seriously freaking out! I dont understand how this is happening to me! I never gave permision to put someone else accounts on my credit! These are unacceptable mistakes or fraud! I am the only one who has access to my personal infomation and I am the only one allowed to use it. So how does this happen? My credit is so bad right now because of this that I cant even get approved to move into a new apt XXXX Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: WI

Complaint narrative:
I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter of fact. 
I was not told that I can dispute within a specific timeframe or any information except to pay or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called TransUnion during these dates, And they completely ignored me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also mailed them letters on the following dates and with the reference number XX/XX/XXXX - TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Certified Tracking Number : 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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter or fact. Pay or else. I was not told that I can dispute within a specific timeframe or any information except to pay or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received email w link to fraudulent Chase bank website stating my account was locked and info needed to be verified : https : XXXX? XXXX & XXXX This is not the Chase bank website

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I recently applied for an apartment in XXXX, TX and when they did a background/credit check I was told that I had an outstanding collection with Procollect, Inc. for {$3700.00}. Decided to pull my credit report from home, saw that the collection dates back to XX/XX/XXXX. Original creditor : XXXX XXXX XXXX XXXX . Account # XXXX or XXXX. Does not state as to what the collection is for, non-payment of rent or property damages? 
Tried contacting Procollect, Inc. @ ( XXXX ) XXXX and ( XXXX ) XXXX more than once, never received a callback. Yet, I noticed that when I filed a dispute through all 3 credit bureaus that my credit report now shows a Recent Delinquency Date : XX/XX/XXXX and XX/XX/XXXX. How? Why did they update/add recent delinquency dates without having contacted me in the first place? I have never received a letter in the mail informing me about the collection, nor have I received any calls. 
This is the only thing that is not allowing my rental application to go through. And I have a very short time frame to validate this alleged debt collection. My income is also limited due to the recent Covid-19 Pandemic and can not afford to pay off the entire collection that they say I owe. However, I am willing to make a settlement payment for this alleged collection in good faith that they then will remove the collection from my credit report, as well as provide me with debt paid verification letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX This complaint was filed on 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 2021-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
I mailed via USPS my XX/XX/XXXXmortgage payment to Amerihome. This was mailed XXXX day priority mail with tracking on XX/XX/2021. My tracking is showing the mail was delivered and received on XX/XX/2021. I went online to Amerihome 's online website to see if my XX/XX/XXXX mortgage had posted. It had not. 
I called Amerihome 's office and they stated they could not find my payment and for me to submit receipts from USPS and any copies of the check mailed and they would investigate. I asked Amerihome how long will this take and they stated 30 days.

My initial complaint regarding Amerihome was for my XXXX and XXXX payment which was paid online and ontime. They reversed those payments stating I must have missed a number while entering my checking account online. Even though I called and provided them the number to submit the payment multiple times. I have already submitted that claim to CFPB. 

Now the new issue is my XXXX payment. I mailed 2 weeks in advance and priority delivery and Amerihome can not find the payment ever made it to their office even though USPS stated it was delivered. The payment has not been cashed. 

If I can not make a payment online without issues, if I can not mail a payment to Amerihome without issues, how am I supposed to pay my mortgage. There is a serious problem with Amerihome and CFPB needs to investigate. 

I need to know where my mortgage payment is and why it hasn't posted to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
XX/XX/2020 @ XXXX XXXX. two deposits into a hsbc premier checking account in the amount of {$380000.00} these deposits were processed and supposedly deposited into my account. I called hsbc and asked them whats going on and they told me Somehow there was no record of those transactions and that they never existed I have proof that their misinforming me and misleading me. Im confused and I just want understanding and to be redressed. Refer to the pictures and ask them if they have record of those two transactions their going to say no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are two accounts on my credit report and multiple inquiries that are showing up that do not belong to me I dont know how many letters I have to write and how many phone calls I have to make to state that I did not open these accounts they are no way linked to me I dont know why they are on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: WI

Complaint narrative:
I was contacted by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. I was not told that I can dispute within a specific timeframe or any information except to pay or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: NY

Complaint narrative:
I called Experian during these dates, And they completely ignored me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also mailed them letters on the following dates and with the reference number XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian Certified Tracking Number : 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 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Third time Freedom Mortgage is attempting to force place expensive insurance. I have owned the property since XXXX the property is not in a flood zone. XXXX approved the elevation certificate and it has never needed flood insurance. Freedom has serviced the loan for 3 years and this has never been an issue. 2 previous servicers never required flood insurance. 

It is impossible to reach anyone at Freedom. Their customer service is awful. Call wait time are always over an hour. They are a nightmare to deal with. 

With Freedom it is a continuous cycle of trying to rip off mortgage borrowers. I now have to waste my time and effort to try and get this straightened out. My time is valuable too.

Enough of the scams.

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