vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Swe Homes LP
State: AL

Complaint narrative:
We closed on a home in XXXX AL owned by SWE Homes back in XX/XX/XXXX. We agreed to pay a set amount down which continued to climb right up till closing. SWE agreed at closing that the first month of the mortgage would be waived. However we were still billed for the first month. Out of frustration we declined to pay until we got communication on the account. One month passed with no communication. To forgo getting behind I reluctantly sent a MO for the amount of the mortgage ( roughly XXXX a month ). The company told my wife they were sending it back because we owed around {$4000.00} & they needed the funds all at once. This was in or around XX/XX/XXXX. The company told my wife we would soon go into pre foreclosure. I requested from the company to call me or my wife & discuss the account to avoid it. I or my wife never received any calls. This company claims they report to the credit bureaus however this mortgage does not show on my wife 's credit report or mine. My family is going on 14 months in this home with no payments made. We don't receive bills, calls, or collections. The only information we get is statements in the mail. The company charged us far more interest on the mortgage than I believe is legal. Furthermore the property was refinanced twice before we moved there & I believe this company is attempting to charge us that interest. The whole situation is a wild & unnatural one. I need to know what to do here as this is the only place my family has to go. However I greatly feel this whole situation is a scam & I do not want to be scammed. Please, please help me figure out what steps I should take here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for prepaid credit card back in XXXX ( XXXX  prepaid credit card ). I add the amount of {$300.00}. I didn't use the card at all. this company failded to send me any statment and also never answer their phone calls. i found out about fraud acitivities on my account, i tried many times to call them. they never answer or calls back, until I emailed them on XX/XX/XXXX about those activities. so Issue me back a provisinal credit until they are done with investigation. meanwile i requested to close my prepaid credit card and issue me an new one with new nember. they failed to do that, new card never issued. 2 months later they reported to the credit bureau late payment. I email them and asked for supervisor to call me. after many many request a supervisor did call to inform me that the investigation couldn't come back with anything because those fraud acitivies happened 6 months ago. and u have to pay. i said ok i will pay since the amount wasn't big {$47.00}. and i asked why you repoted me as late payment while those acitivity where investigation? 
he said that there is nothing can be done. that's the policy. I told him i'm very dispointed and not happy with this compnay and i would like to close my account and get back my prepaid money. it took them another 2 months to close my account and they still reported me as late payment even though I paid the balance that was under investigation of transaction that i never made. now the company doesn't exist anymore another company bought it. and I'm stack with that negative item in my credit report. 
please read the reviews about XXXX  from other consumer. they are a fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for prepaid credit card back in XXXX ( XXXX XXXX XXXX XXXX ). I add the amount of {$300.00}. I didn't use the card at all. this company failded to send me any statment and also never answer their phone calls. i found out about fraud acitivities on my account, i tried many times to call them. they never answer or calls back, until I emailed them on XX/XX/XXXX about those activities. so Issue me back a provisinal credit until they are done with investigation. meanwile i requested to close my prepaid credit card and issue me an new one with new nember. they failed to do that, new card never issued. XXXX months later they reported to the credit bureau late payment. I email them and asked for supervisor to call me. after many many request a supervisor did call to inform me that the investigation couldn't come back with anything because those fraud acitivies happened XXXX months ago. and u have to pay. i said ok i will pay since the amount wasn't big {$47.00}. and i asked why you repoted me as late payment while those acitivity where investigation? 
he said that there is nothing can be done. that's the policy. I told him i'm very dispointed and not happy with this compnay and i would like to close my account and get back my prepaid money. it took them another XXXX  months to close my account and they still reported me as late payment even though I paid the balance that was under investigation of transaction that i never made. now the company doesn't exist anymore another company bought it. and I'm stack with that negative item in my credit report. 
please read the reviews about XXXX  from other consumer. they are a fraud

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 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is charging what amounts to close to a 5 % fee on an international wire transfer that I sent today, XX/XX/XXXX. I sent XXXX XXXX  at a conversion rate of XXXX XXXX XXXX XXXX XXXX This represented XXXX  {$6700.00}. This transaction should have been XXXX  {$6400.00} for a difference of XXXX  {$240.00}. This should just be a flat international wire transfer fee. 
Additionally and potentially worse, they are quoting an availability date of XX/XX/XXXX. This is completely unacceptable and I feel that Wells Fargo is taking advantage of me. I have spent hours on the phone trying to work through they're automated options and I am frustrated with their useless phone system and customer service.

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 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
My mortgage through Specialized Loan Servicing has a PMI requirement until you hit 20 % equity in the property. This is normal for a mortgage company to require PMI up until 80 %. However, once that happened, I tried to get the PMI removed. I had a number of difficulties in this process and was ultimately told that it couldn't happen unless I was willing to pay a fee. This did not strike me as fair. In XXXX of XXXX  when I had surpassed 20 % equity, I called the company to learn the process and was told by a representative that he could take care of it. I had previously received mail letting me know that I would need to submit a written request so I asked the rep about it and he said it was no problem and he could take care of it. However, by XXXX I was still being charged PMI. So, I called again to figure out if just writing a note and mailing it to the company ( which were their only instructions - I couldn't call or email, which is very frustrating ) would be sufficient as a " written request ''. I was then informed that I had to print off a specific form, sign it, and mail it in and then I would have to pay a variable fee ( depending on what Specialized Loan Servicing found for a professional in the area ) to have the property value assessed and they would consider removing the PMI. This struck me as a burdensome and unnecessary evaluation, since I have property value assessment information for free from the city. I then asked if I could just pay additional principal to get to the 78 % of " Original Value '' and was told that Specialized Loan Servicing will ONLY use the original amortization schedule in calculating that value. WHY? It seems to me that Specialized Loan Servicing is unnecessarily making the process difficult so they can make more money even though the true equity that I have in the property was way above 20 % more than a year ago! This is not a fair situation. I submitted a complaint via the CFPB website and the response of Specialized Loan Servicing was to just reiterate their policies and then the complaint was closed. They provided no additional solutions and were not helpful.

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 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I entered into a consumer transaction with XXXX XXXX In store i financed a new computer for work through them. Each month i made on time payments until around XX/XX/XXXX Where i completely paid off the financed computer in full. Then about XX/XX/XXXX all of a sudden, with out my knowledge or consent Best Buy gave me a 30 days late remark on my credit report, and then followed by a 60 days late penalty in XX/XX/XXXX. Confused and scared, i just made a {$69.00} & a {$81.00} payment in XXXX so that they would stop charging me before it stressed me out too much. But I was unaware what i was still getting charged for because i knew that the computer was paid off in full, but I was still being charged for something. On XX/XX/XXXX I spoke with a best buy rep to investigate why i had these 2 late payments on my credit report. The rep informed me that the late payments were for a XXXXXXXX XXXX  subscription. And that i'd have to contact XXXX XXXX to get it figured out. I didn't finance a computer through XXXX XXXX, and XXXX XXXX didn't give me a late payment. Now i was completely unaware that i financed a XXXX XXXX  subscription. I didn't even know that was possible. I never saw it in a finance charged, or was it explained to me that even once i paid off my computer that every year i'd still somehow finance a subscription renewal. I'm still very confused how a company so reputable could take advantage of people like this. These late payments have seriously stressed me out, and has single handedly caused XXXX XXXXXXXX. I was in the process of purchasing a house until these 2 late payments completely ruined my plans. This is a clear mistake, billing error, and could be considered fraud. I did not consent to financing a XXXXXXXX XXXX subscription for the rest of my life. I don't even use the software.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My private information was violated by credit reporting agencies which is not in compliance with the privacy act of 1974.

15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

Also On XX/XX/XXXX my information was sold to a third party debt buyer without my permission and or option to opt out.

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 2024-02-20 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
My private information was violated by credit reporting agencies which is not in compliance with the privacy act of 1974.

15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

Also On XX/XX/XXXX my information was sold to a third party debt buyer without my permission and or option to opt out.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
I wrote a check to a person for {$53000.00} for the settlement of a property on XX/XX/24. The check was accepted and deposited. Then Axos bank decided the check did not have proper endorsement and bounced the check. After a lengthy phone call on XX/XX/24 I was told they would allow the check to go through and would reverse the funds and deposit the check. Two business days went by and on XX/XX/24 Axos did not reverse the check and did not do anything. While calling on XX/XX/24, the department had no idea what was going on and a poor lack of documentation as to what happened and what they were doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
army and air force exchange service military STAR card, a US government military credit card, refuses to accurately and timely report my proper on time payments to the credit bureaus, especially XXXX. this is a violation of the law and FCRA. I have made massive payments on my military STAR card through army and air force exchange service and you are XXXX  my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. I am a XXXX XXXX  and and person, STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially XXXX. AAFES STAR CARD hasn't reported my on time payments and lower balance to XXXX credit bureau since XX/XX/XXXX. They just quit and stopped reporting for no reason. I have made FOUR on time payments to military star of XXXX $ from XX/XX/XXXX to XX/XX/XXXX, which AAFES STAR card refuses to report properly on time every month. PLEASE STOP PENCIL WHIPPING THIS REQUEST AND LYING TO THE CFPB, AAFES HAS NOT RESOLVED THIS MATTER DESPITE MULTIPLE COMPLAINTS, OR BE SUED- AAFES refuses to correct or update the credit report and instead says to email them, and they then refuse to do anything over the telephone and or email when requested. I am reporting AAFES to XXXX XXXX XXXX of XXXX  and having him making a complaint to the director of army and air force exchange service in this matter. **** XXXX XXXX XXXX DO NOT FILE A DISPUTE IN THIS MATTER I HAVE ALREADY FILED A DISPUTE AS OF XX/XX/XXXX. CONTACT AAFES MILITARY STAR AND GET ME AN ANSWER WHY AAFES MILITARY STAR NO LONGER REPORTS TO XXXX CREDIT BUREAU.

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 2024-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: OR

Complaint narrative:
This was a workers comp claim and the medicial facility billed both my private insurance and workers comp. When I made them correct this to only bill workers comp they sent me a bill. I went to their billing office in 3 different locations to fix this because I should not receive any bill for a workers comp claim. The billing office fixed this and gave me a statement showing a zero balance. This has been going on for about 3 years so I sent a copy of the zero balance statement and a bill requesting compensation for my time and trouble to correct their mistake. Today I received a call from XXXX XXXX XXXX and decided to file this complaint and request payment from XXXX for my troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXX  ) which is causing significant distress and financial harm. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and Proof of Address with my most recent billandSSNCard.

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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, when reviewing my First Bank Puerto Rico account, I found that two unauthorized transactions had been debited in favor of XXXX XXXX. The total of transactions is {$300.00} ( {$120.00} + {$170.00} ). At anytime I made these transactions or authorized them. Immediately I proceed to notify First Bank Puerto Rico. A dated letter with XX/XX/XXXX from First Bank inform me that the transactions were correct and my money was not credited to me. On XX/XX/XXXX I made a written appeal and as of today I have not received a response and my money has not been credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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