vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: AZ

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX Balance {$560.00}

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 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
My mortgage provider does not want to speak with me about the mortgage ; they dismiss my questions and do not want to assist me. I was threatened by a lady from XXXX XXXX  this yesterday morning at XXXX morning from XXXXXXXX XXXX this morning that I must vacate my property next week Monday. I contacted the XXXX Sherriff Dept. During the pandemic, attorneys from HOA were threatening me with Bids XXXX, and now on XX/XX/2022, The paperwork all seemed fraudulent. I have a notice of foreclosure conveyed to XXXX XXXX XXXX sale for {$54000.00}. I purchased the property for {>= $1,000,000}. They are the ones who threaten me to get out of my home. My insurance company informed me that my insurance expires this Friday, XX/XX/2022. I have been speaking to representatives in my area and state and contacting attorneys. I talked to all HOA attorneys and the mortgage company. I thought I was still in forbearance. 
My mortgage provider does not want to speak with me about the mortgage ; they dismiss my questions and do not want to assist me. I was threatened by a lady from XXXX XXXX  this yesterday morning at XXXX morning from XXXX XXXX  this morning that I must vacate my property next week Monday. I contacted the XXXX Sherriff Dept. During the pandemic, attorneys from HOA were threatening me with Bids XXXX, and now on XX/XX/2022, The paperwork all seemed fraudulent. I have a notice of foreclosure conveyed to XXXX XXXX XXXX sale for {$54000.00}. I purchased the property for {>= $1,000,000}. They are the ones who threaten me to get out of my home. My insurance company informed me that my insurance expires this Friday, XX/XX/2022. I have been speaking to representatives in my area and state and have contacted attorneys. I talked to all HOA attorneys and the mortgage company I forbearance. And I notice that they are getting hostile in the area I reside in XXXX XXXX, North Carolina.

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I submitted the following complaint on XX/XX/XXXX with the XXXX and received the response that this complaint did not fall under XXXX parameters and to instead seek remedy with the CFPB. They may have also forwarded this complaint to you, but it was not clear the method. To avoid the risk of it being delivered by postal mail and delaying a response I am submitting this complaint. 

My complaint submitted with them is the following : I applied for the PenFed Pathfinder Signature Rewards credit card on XX/XX/XXXX and was approved. At the time I had a PenFed Access Checking account which allowed for the credit card to receive an annual fee waiver. 

I closed the Access Checking account on XX/XX/XXXX. I was then charged an annual fee on the credit card XX/XX/XXXX that reads " ANNUAL CHARGE XX/XX/XXXX THROUGH XX/XX/XXXX REFERENCE ID : XXXX '' Per PenFed 's website it states the following under the annual fee waiver for the credit card : " ***As a PenFed Pathfinder Rewards cardholder, if you qualify for Honors Advantage ( member of the military or XXXX XXXXXXXX or Free Checking account holder ) at the time of the application, we will waive the annual fee on your account. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. If at any time, you fail to maintain the eligibility requirements, you will no longer be eligible for the waiver. You will receive advance notice of this change. '' https : //www.penfed.org/credit-cards/pathfinder-rewards-visa The last sentence that states I will receive advance notice of this change was not provided to me. I did receive an email on XX/XX/XXXX from PenFed informing me the card was no longer receiving the same reward points as it was previously, but nowhere in the email is it mentioned regarding the annual fee. 

Additionally, the language reads as an ANNUAL fee waiver. I opened this card on XX/XX/XXXX and the charge I received on XX/XX/XXXX indicates it is for XX/XX/XXXX Through XX/XX/XXXX. When I called on XX/XX/XXXX and spoke with a representative, she informed me that the annual fee would not be credited back and even if I closed the account I would still be subject to the entire {$95.00}, despite not receiving the full year of the card. 

I then inquired what would happen if I closed the account and she informed me the {$95.00} would be sent to collections. I stated I would not be closing it and would file a complaint as this was unsatisfactory. At no time did the representative offer any other alternatives. 

I seek a speedy resolution because I was not informed in advance of this by the credit union and they are requesting the {$95.00} by 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 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
My husband and sole business owner had a business account with Wells Fargo. This business was originally opened with XXXX  Secretary of State and transferred as a foreign entity to XXXX XXXX in XXXX due to our move to XXXX XXXX. The business owner/spouse passed away on XX/XX/XXXX. In XX/XX/XXXX I am his wife and executor of his estate started getting notices from XXXX  Comptroller of public accounts about Tax/Fee due. I have contacted the Comptroller office, told that my spouse and business owner died, was able myself to cancel/end sales and franchise tax and submit paperwork to XXXX  Secretary of State for his business closure. Certificate of termination of this Entity on XX/XX/XXXX has been forwarded to me and attached. This Certificate of termination and Certificate of Death along with SD Affidavit of Collection of Estate Asserts have been presented to the Wells Fargo Bank to close the business account. 
The Wells Fargo refused to close this business account that has a small balance left less that {$1000.00} and gave me a run around.

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 2022-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/22, I received a notification from XXXX XXXX XXXX that Wells Fargo Bank verified my identity as part of a new account opening. I have not done any business with WFB for years. I notified WFB Fraud Department who opened a fraud case number XXXX. I also was able to post a fraud alert with XXXX XXXX. On XX/XX/22, I received another XXXX XXXX  alert that a new bank account was established at WFB. The alert did not specify Ckecking or Savings. I again contacted WFB who stated that they had no active accounts open under my name and told me that they would investigate.

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 2022-02-24 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: AZ

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$36000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance {$120.00}

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 non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: TN

Complaint narrative:
On the day of closing, which is listed on my Closing Disclosure as XX/XX/2022, I called Broker Solutions Inc dba New American Funding at around XXXXXXXX XXXX. My loan agent said they were about to call me, because I need $ XXXX {$900.00} more for additional title fees because your title has a special lien showing XXXX as an owner and that's not normal. I explained that this is normal for any existing mortgage for the mortgage company to have a lien on the title. I was then directed by my loan agent to her supervisor, who told me the same thing. I told the supervisor that I have a Closing Disclosure, they chose the title company, and that they can not spring fees on me the day of closing. He tells me I don't have a CD, even after sending a picture of it to him with the closing date clearly on it, noting that it is a Final CD. The supervisor even threatened to let my rate lock expire, which has already been extended once, if I didn't go ahead and pay the extra money charged by XX/XX/XXXX when it expires! And then noted that that would be an extra charge as well. It has been a complete nightmare. There is so much more that I honestly need to talk with an agent, because it's too much to type. XXXX XXXX is the name of their titling company used, for reference. Please help! I know this can not be right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX Bankruptcy Reference # : XXXX Date File : XX/XX/XXXX US SM BUS ADMIN ODA Date of inquiry XX/XX/XXXX XXXX XXXX I Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiryXXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am, XXXX XXXX, consumer and natural living person submitting this complaint and there is no third party involved. Equifax committed fraud on my consumer report, and I did not consent, benefit nor authorize these collections or hard inquiries on my report. I demand Equifax to remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter I HAVE ATTACHED is a formal complaint that this credit bureau has ignored my previous TWO request and failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I get no response from the credit bureau when I submit disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TRANSUNION Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance {$1600.00}

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 non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was incarcerated XX/XX/2021 and was not released until XX/XX/2021 I had {$15000.00} in savings acct and money in checking. While I was incarcerated someone got my debit card and was making unauthorized withdrawals. When I got out of jail my savings was - {$98.00} and I had {$4.00} in my checking. I tried straightening this out with the bank which is PNC but they didnt even want the paperwork showing I was in jail at time they just said they were valid charges. I never authorized anyone to use my debit card while I was in jail. I have been left broke they now closed my acct which is $ XXXX and no one will Return my call From debit card fraud department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: LA

Complaint narrative:
I have contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
In XXXX through XX/XX/XXXX SLS approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, SLS approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; SLS approved me for a Permanent Modification in the amount of {$420.00} of which SLS scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as SLS Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; SLS reported on XX/XX/XXXX that my SLS Account was 120 Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to SLS in an attempt to speak to someone that could correct the negative credit reporting that SLS placed in my Credit File/Credit Report. The SLS System repeatedly informed me that their Telephone Representatives were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to SLS Representatives by telephone ; I sent a message to the SLS Online Message Center describing the negative credit reporting that SLS placed on my Credit Report/Credit File, but have not received a response from SLS.

My SLS Account is not delinquent, and is not 120 Days Late as SLS has listed in my Credit Report/Credit File. I am in a Permanent Modification with SLS and have not been late in making any of my Trial Period Modification and Permanent Modification Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: AZ

Complaint narrative:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiries : XXXX ORIGINAL Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : 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 non-monetary relief