vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX I have a home equity line of credit ( HELOC/ {$18000.00} ) with another lender, which was to be subordinated to a refinanced mortgage at Wells Fargo ( WF ). However, at the closing ( Thu, XX/XX/2020 ) there was a document stating that I had received funds to pay off the HELOC and I was to close the account. I tried calling the WF rep because this was not accurate, but only got her voice mail. The notary called her rep, who replied I needed to call Wells Fargo. Needless to say, I did not sign that document. At the notary 's request, I texted her my reason for not signing it so she could convey it when turning in the packet. The packet also included the correct subordination document, which I did signed. 

On Friday, XX/XX/2020, I emailed WF to inform them that I could not sign the HELOC- Authorization to Close Account document because it was not correct. 

It was not until Monday XX/XX/2020 that I received a copy of the closing packet. While reviewing it, I noticed someone had forged my signature on the HELOC-Authorization to Close Account document. I recontacted WF and XXXX XXXX XXXX XXXX reiterating that I had not signed it, but someone else has. XXXX XXXX XXXX XXXX stated that is how they had recieved the documents. ( It appears that XXXX XXXX XXXX XXXX subcontracted to another company XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX also stated that they would remove that particular document. 

The companies involved must be held accountable for blatantly forging a signature that creates a financial liability on someone. 

Laslty, they also sent closing disclosure ensecurely via email. That is likely a violation of California and Virginia privacy laws.

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 2020-11-05 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I have submitted requested documents multiple times to this company but they refuse to acknowledge and accept them. I dont know if they are unable to see them or what is happening I was instructed to send " ( i.e. *receipts*, invoices, emails ) that *displays the merchant contact information, transaction date/time, transaction amount, and cancellation details. * '' Which I have provided multiple times and still my complaint is not being filed. At this point I feel there is miscommunication. I have requested my request for a dispute be sent to someone else but nothing has come of my complaint thus far. I just keep literally recieving the same email requesting the same details that i have sent time and time again with no further instruction or filing of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have had the reliacard since XX/XX/XXXX XX/XX/XXXX..when i received it and try to activate it the card had a block on it before i could use it. I have called reliacard throughout XXXX and XXXX trying to activate my card. When i received my card it had XXXX on it now XXXX there is XXXX on my card and reliacard refuses to give me access to my money. I have sent in faxes with peoof of identity i have talked to over 20 reps who are no help at all. I received a message from reliacard on XX/XX/2020 telling me to upload a selfie and id i did this twice and card is still locked. Ive called countless times just to have them say oh upload it again! My bills are swamped im stressed out. I just want my money and reliacard is basically holding my money without fair reason ive done everything they have asked and still no help 2 months later this is ridiculous

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 2020-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY

Complaint narrative:
Beginning in XXXX of 2019 we began working with Cardinal FInancial Company in XXXX NY in an attempt to secure an FHA mortgage. XXXX XXXX Loan Originator | NMLS XXXX, assigned his newly hired cousin, XXXX XXXX, who does not show as an agent on their site. 
This dragged on for 8 months as they constantly lost paperwork which I would resend from the original email to prove I was complying with their requests. 
We were given several tentative closing dates beginning in XXXX, XXXX and XXXX. 
With Covid luming we were panicking about furloughs. They told us not to worry there was a 6 week grace period. My daughter 's company furloughed her last as they knew our situation. Well, our lawyer and XXXX were waiting for the place and time and the night before closing they told us the rules had changed and deal was dead. 
Prior to that, three weeks before this XXXX date we received a call at XXXX from Mr XXXX XXXX us we needed an additional {$10000.00} to show in our bank account, of course I panicked. I was then shouted at by Mr. XXXX, money or deal is dead! I managed to pull it off. 
They also had us pay off numerous accounts and wanted us to pay off my car loan at the table. They made numerous promises to my car loan company which obviously all fell through. 
There was a conversation between my daughter and Mr XXXX, because he had me so upset, in which he proceeded to scream and curse and her telling her it was a tough deal and it was our fault, to get an apartment. This conversation was about a month before it fell through. 
I spoke with their advocacy department who referred us to the manager, which was Mr. XXXX.! from there it went to the east coast manager whose lack of professionalism explained why the local office operated the way it does. 
We were promised the inspection money returned to us, which of course did not happen and is the least of our worries. 
In spite of Covid we are back on track and have attempted to secure a loan with two other lenders. Apparently Cardinal did some irreversible damage to us. 
The home we have been renting for 10 year will be going to auction and we will be homeless as of XXXX during a pandemic and with an XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; AVANT LLC/WEB BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My wallet was stolen and someone used my identity to open fraudulent accounts in my name.

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 2020-11-05 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Comenity Bank/XXXX failed to give me proper validation of this debt. 

I mailed Comenity Bank/XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TX

Complaint narrative:
I have 3 accounts on my credit report that have been previously removed but they are showing on my report again. I would like to have these accounts deleted immediately. attached are the accounts in question. all of my personal info is also included

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 2020-11-05 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: TX

Complaint narrative:
I have 3 accounts on my credit report that have been previously removed but they are showing on my report again. I would like to have these accounts deleted immediately. attached are the accounts in question. all of my personal info is also included

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: AL

Complaint narrative:
I contacted Experian today in regards to the wrong address that is showing on my credit report and also advised that I am a victim of identity theft. I spoke with XXXX and explained what was going on and she stated that I needed to speak with the creditors on my credit report. I explained to XXXX that these are the same creditors that I have had for awhile and they have my correct address and she refused to still assist I also confirmed that I have proof of my address on file due to the identity theft report and I have an actual individual that works with me in Fraud by the name of XXXX and when she reached out to me via email she had my correct address. My correct address is XXXX XXXX XXXX, XXXX  AL XXXX, wrong address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX AL XXXX. I do not live in a apartment at all. The representative by the name of XXXX still refused to dispute to get this corrected and ended the call.

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 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: KS

Complaint narrative:
Flagstar Bank existing morgage was refinanced to a new Flagstar Bank mortgage. 
Existing mortage had {$2700.00} in the escrow account at the time of closing on XXXX XXXX, 2020. 

We were told early on in the refinance process that the escrow balance could not be transferred to the new loan 's escrow account, it would be refunded to us and we would pay a new escrow amount as part of our closing costs. 

At the time of closing, we expected to receive the {$2700.00} refund check. 

On XX/XX/2020 a 'refund check ' for {$89.00} for 'escrow surplus ' far below the amount we were expecting. 

Upon review of the old mortgage activity, there is notation of 'payment to escrow ' in XXXX of ( negative ) - {$2300.00}. 

Upon further closer review of closing documents we signed on XX/XX/2020 there is no mention of any credit of escrow account balance anywhere. 

On XX/XX/XXXX, I spoke with representative from Flagstar who tried to explain that the amount was credited in the closing, but when I told her there was no mention of it in the closing documents, she referred me to the closing agent. at XXXX  XXXX. 

I contacted XXXX  XXXX, who told me that they would have had to have received the amount for the credit from Flagstar in order to include it in the closing, which they did not. She stated that she would then contact the Flagstar lending agent for more information and respond back to me via phone. 

All-in-all, there is no explanation of what happened to the remainder of the escrow balance in the old mortgage, Flagstar 's explanation of it being included in the closing is not valid, the closing documents mention nothing about it, and the mortgage settlement agent has no record of it. 

Flagstar 's account activity records that I can see via my customer portal are very confusing and do not match up to the amounts that the Flagstar representative I spoke with on the phone was quoting me. Their staff are unprofessional, and seem to want to pass the buck to their settlement agent company. Flagstar has been difficult to deal with through the whole process, passing us through numerous people, not getting back with us timely, having us sign documents numerous times to get the refinance process progessing.

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 2020-11-05 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
While in XXXX XXXX I was deceived to use pay pal credit. They offered financing deals on purchases depending on the amount of purchase without reporting to credit bureaus. While Im XXXX I was on time with payments and regularly made payments. On 2-3 different occasions Im XX/XX/2019, XX/XX/2019, and XX/XX/2019. And PayPal failed to advise of any missed payment even as I reached out to them to make payment. Representatives were often confused or advised payment could be done at a later time. Recently, I checked my credit report and seen that Synchrony Bank took over PayPal Credit. This information was not provided to me and my credit information was not advised to be reported to any of the bureaus. Ive been getting notifications every month of late payments from the previous mentioned dates and reporting of my credit for this account. Also unaware of this account, it is also being reported that the account was closed by consumer. Not once have I spoken to PayPal or synchrony advising them of such. I also never was made aware of any account closure by mail or email and have paid my bill every month on time. I am asking that these late payments that violate the fair credit reporting act, damages from failure to obtain new credit at favorable interest rates, damage to my personal and business reputation are REMOVED immediately. This issue has been widely documented from many consumers and I didnt even realize how they scammed me and my credit reporting as well as others!

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 2020-11-05 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: TRANSWORLD SYSTEMS INC
State: GA

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 have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE. Experian has failed to address that they had 30 days per the Fair Trade Credit Reporting Act to investigate this claim and DID NOT do so in the allotted 30 days. 

30 DAYS, NOT 31, NOT INVESTIGATE AFYER THE 30 DAYS, NOT WAIT FOR THE VENDOR 'S RESPONSE AFTER THE 30 DAYS. 

They received certified mail documenting the time frame and they blew it! XXXX  has already deleted this item BASED ON THE EXACT SAME INFORMATION setting a precedent should I have to sue Experian.

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 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I applied for a Chase Sapphire XXXX credit card on XX/XX/XXXX. Shortly after, the application was declined, and I called to request a review of the application. On XX/XX/XXXX, I received a call from a supervisor with the same department letting me know that upon reconsideration, the application was approved. I applied for the Chase XXXX credit card on that same day. On XX/XX/XXXX, my Chase Sapphire Preferred credit card account was closed and the pending Chase XXXX credit card application was also declined. I called to request a review, and received a callback from XXXX with the same department on XX/XX/XXXX letting me know the Chase Sapphire Preferred account was reopened, and the Chase XXXX credit card application will be reconsidered. The application was approved shortly after. However, on XX/XX/XXXX, again, my Chase Sapphire Preferred credit card and my Chase XXXX credit card were both closed, with the same set of reasons given as the letter sent to me on XX/XX/XXXX. I requested a review again, and got a call from XXXX on XX/XX/XXXX letting me know the account will remain closed for the same reasons. I called again and was advised that it is highly unusual for accounts to be reviewed again in such a short period of time, and given my circumstances and that both times the reasons given for the account closure are the same, I can not comprehend why the same set of reasons could yield two totally different decisions. I can only imagine that the true reasons may not have been provided. Furthermore, its simply unacceptable from a consumers perspective to be approved a credit card that was closed so soon when my credit information hasnt changed, even though it was cited as the reasoning behind the review. I am writing to request the Executive Office to reinstate my credit card accounts ending in XXXX and XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: AL

Complaint narrative:
on XX/XX/2020, I filed a dispute with the Equifax about two unverified accounts XXXX XXXX Account # XXXX and XXXX  XXXX Account # XXXX. on XX/XX/2020, I filed a No Response Regarding Disputed Information After 30 Days notice to Equifax as well! In those two months, I have asked numerous times for a response and I have not received anything from this credit bureau in over 30 days which is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today and I am asking for the deletions of these two accounts. Thank you for your cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have applied to PenFed for a re-fi on my residential home on XXXX XXXX, 2020. Presently, I have received no confirmation regarding the status of my application. Closing had been scheduled but never approved. Despite many, many attempts to get a definitive answer on the status of my application, after almost 5 months, there has been no determination. My application is straight forward. The loan would replace an existing PenFed mortgage, the loan to value is excellent, about 40 percent, my income is more than enough and my credit rating is very good. When this application was made, I was told to expect a 60-90 day closing.

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