vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello there was 2 accounts opened in my name American Express and XXXX XXXX XXXXXXXX XXXX. 
The account for American Express was closed on XX/XX/XXXX by the company but on my report it shows closed instead of removed completely same thing with the chimefin/stride bank it was closed on XX/XX/XXXX but show closed on my report and not removed.Due to the fact of them beening closed and not fully removed i lost 114 points on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX XXXX or so was taken from me and now I owe them that? When I had nothing to do with this scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I got a alert from XXXX that my balance increased on my XXXX XXXX XXXX XXXX to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I got a alert from XXXX that my balance increased on my XXXX XXXX XXXX XXXX  to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies

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 2022-10-22 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: SC

Complaint narrative:
Am a natural person I am a living human being I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act that i have the right to privacy also violated 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish anything without my written or oral consent i will be doing a arraignment with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Made a payment paying the full balance on XX/XX/22 payment cleared bank XX/XX/22. I called to rectify the issue, they advised that there is nothing they can do. Funds will be available on XX/XX/22. I requested to speak with a supervisor. The representative placed me on hold for 45 minutes and eventually terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have unauthorized inquiries with lenders/ companies that I do not have open accounts with and they are reflecting on my credit report and it is negatively impacting my score.

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 2022-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, have never missed a payment in my life. 
I got a loan from Pentagon Federal Credit Union ( pefed ) back in XX/XX/XXXX. I paid on this loan up until XXXX of XXXX. 
Never missed a payment. 
I made 2 payments in XXXX of XXXX, by and through my savings account with an ACH where the penfed employee used the WRONG account. I record all phone calls, just in case. Now, the ACH made on XXXX, and payments on 5 loans were made on separate loans. That transfer was not honored as the account was closed from fraud, on XXXX. I gave the employee the new account number and thought he used the correct account. It was not. So when i was informed this transfer was not made, i attempted to perform another transfer in XXXX. The supervisor i made this transfer with, called my bank to verify the account was open and contained sufficient funds. After being confirmed that all was good, i was told the funds would be available the next day. I agreed to make the transfer, but the next day the collections area renigged on the agreement. I called 5 days in a row to get the funds cleared. Penfed collections refused to honor the new agreement. I gave penfed a choice of calling my bank, with me at the branch, to clear these funds or i would block the transaction. It was 6 days after the transfer, and i needed to use the difference of the funds for other bills. Penfed said i had to wait 4 more days for them to clear the funds. I said i would cancel the transaction then. This was middle of XXXX now. 
I had to go into the XXXX  on the XXXX of XXXX until the end of XXXX to get XXXX  XXXX removed from my back. 2 rounds of XXXX also. 
While i was in the XXXX, i received NO NOTICE of any kind from penfed. On XXXX, penfed pulled the payments out of the loans, 2 months after the XXXX from XXXX came back in the savings account, not the loans where the payments were made. This is wrong and against the law. Payments in loans, no notice before they charged back plus 2 months after the fact, harmed me irreparably. When penfed acted illegally, my loan status went from current to 3 months past due. Then penfed threatened repossession less than 2 weeks after taking away my payments. Penfed also refused to communicate with me to resolve the harm they created. This is illegal how they created this situation. Penfed has also refused payments. 
This needs to be corrected. 
I am XXXX they harmed me worse than the XXXX i had removed.

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 2022-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KLS Financial Services, Inc
State: KS

Complaint narrative:
A representative with KLS Financial Services Inc called my sister and gave her personal information regarding the debt collection efforts and asked to leave a message with her regarding a debt collection and a return number. My sister declined to take a message. KLS Financial Services blatantly violated my rights under FDCPA by talking to my sister about my debt and attempting to leave a message with her. I submitted a complaint in writing demanding that KLS Financial Services Inc provide me with proof of their debt and legal ability to claim/collect this debt and proof as to why they violated FDCPA by not providing me with initial notice of this debt. I did not ever give KLS Financial Services Inc permission to talk to anyone about this alleged debt. 

805. Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I demand that KLS Financial Services Inc be barred from any and all debt collections and alleged claims to debts. I demand that KLS Financial Services cease and desist all collection efforts and communications, including reporting this debt to any third-parties again. 

I request that CFPB and FTC investigate KLS Financial Services for violations of FDCPA against me and all collection efforts with other clients, including the review of phone call recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: TX

Complaint narrative:
Cascade Financial, XXXX, AZ XXXX. I requested " forbearance, '' under the CARES Act due to a COVID 19 financial hardship. I was required to fill out several forms in order to prove hardship, and was then told I would have to wait up to 30 days for a decision. I was finally given a 90 day period of forbearance, which I requested to be extended for 30 days, but Cascade refused to do so ( XX/XX/XXXX ). I was told I was not eligible for an extension because VA loans are not eligible past XX/XX/XXXX. 
I have requested that forbearance be granted again since the CARES Act has been extended for another 90 days, and that I am indeed eligible. ( XX/XX/XXXX ) I continue to request forbearance, but Cascade will not give a definitive answer one way or another. I believe this is a stalling technique until the current 90 day CARES ACT expires. I have also been told all the paused payments are due in a lump sum at the end of the forbearance period. I have requested that the paused payments be moved to the end of my loan as provided for in the VA regulations for CARES Act forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
Requested a refund for {$1900.00} on XX/XX/22. They took my email and said they would process the request, and gave me no additional information. I called them back again on XX/XX/22 to request an update and they said it still was waiting to be processed. They refused to give me a timeline of when I could expect to have the money back, and said that they couldnt send any email updates or documentation. I am trying to plan this refund for my student loan forgiveness and its impossible to do so when they wont to give the refund or even a timeline, and it is weird that they wont even give proof of the refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
I recently purchased the new Google XXXX XXXX XXXX and after attempting to add my XXXX account, it wouldn't allow me to and then I opened a support request. I then got an email stating they suspended my account for suspicious activity and need me to upload documents. I've uploaded the requested documents and continuously recieve an email stating the documents couldn't be verified. I've attempted multiple times to get help and no one will help me. I've submitted the documents in accordance with their requests and made sure the information was clear and legible. I'm including the documents they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Tried to contact person who called me multiple times to deny I owe anything from XXXX XXXX. She never called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
Amerihome mortgage company LLC is my mortgage company. In mid of XXXX of 2022 they informed me, of increase of taxes and Insurance, and therefore, there were a shortage needed to be paid before the end of XXXX. I was informed that my shortage is XXXX total. 

In XX/XX/XXXX of 2022 I made a payment by phone fully to cover the XXXX shortage as they requested. 

IN XX/XX/XXXX, XXXX and XXXX, I called to follow on my Escrow, the customer service agents informed me different statements. one said there still shortage of less than XXXX and other stated there is hundreds, so Confusion occurred, and therefore a suggestion from another agent to wait till the numbers adds up next month, and maybe look for different Insurance company or to work in reducing my Insurance policy in order to see a difference in my monthly payment. 
I decided to reduce my home insurance and requested to be sent to my Amerihome and they did. the reduction didnt make any huge difference. 

I was told my monthly payment will increase no matter what. 

I'm confused and stressed about the outcome of my communication with Amerihome and it seems no way to avoid the shortage and pay it off fully due to accuracy of information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I was charged over {$300.00} when student loan payments were paused after Aidvantage took over XXXX loans. I did not approve or restart automatic billing but Aidvantage charged me any way. I called to get my payment refunded and the agent told me they would return my payment in 6 weeks. After 6 weeks I called and they now have an automated message that says payments will take 10 weeks to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 an account without my written instructions., has violated my rights. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
Around XX/XX/XXXX, I was notified my mortgage service provider had changed from XXXX to Valon, my mortgage is fixed at 2.75 % with a monthly payment of {$2600.00}. On or around XX/XX/XXXX I received an Escrow Account Disclosure from Valon stating my escrow funds were short {$3200.00}. On XX/XX/XXXX I paid the {$3200.00} to avoid paying a higher monthly mortgage. After disagreeing with representatives at Valon it was discovered their escrow had made a mistake. On XX/XX/XXXX I received an email stating Valon had made a mistake with my Escrow Account Disclosure and my mortgage would increase {$120.00}. At this time I have paid the {$3200.00} and my monthly mortgage has still increased {$120.00} on a XXXX fixed mortgage. My property taxes for XXXX XXXX XXXX has increased {$7.00} from {$6600.00} to {$6600.00} between XXXX and XXXX estimates. I have not received any money in return from Valon nor have they returned my mortgage to {$2600.00} and my insurance was not paid until it had expired. Every conversation I have had with Valon has been met with no explanation of these errors nor have I received any money back since paying these bills. I would like to see an investigation opened against Valon and their business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: GA

Complaint narrative:
Re : XXXX XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. 

In response, I received a letter from them ( attached ) stating that my request was received, reviewed and sent updated information about my recent payment to the consumer reporting agencies. THIS IS NOT WHAT MY INITIAL CORRESPONDENCE WITH THEM WAS CONCERNING. They further encouraged me to reach out to the credit bureaus to have each of them update their records. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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:
Upon reviewing my Equifax credit report I noticed a bankruptcy that is not mine. I contacted Equifax in XXXX about this matter and have continuously called about this matter. I sent a ftc report as asked to them on XX/XX/22 in order to get this item removed. I am a victim of identity theft and the listed bankruptcy reporting on my credit report is not familiar to me I have no knowledge of this public record. I have asked them to investigate and remove this based on the grounds of identity theft. From my understanding they have 5 days from the receipt of the ftc report to remove the fraudulent items I have listed in the report. They refuse to even acknowledge they received this item. I am attaching a copy of the report and my license for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, has violated my rights. 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 an account without my written instructions., has violated my rights. 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 an account without my written instructions.

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 2022-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re : XXXX XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. 

In response, I received a letter from them ( attached ) stating that my request was received, reviewed and sent updated information about my recent payment to the consumer reporting agencies. THIS IS NOT WHAT MY INITIAL CORRESPONDENCE WITH THEM WAS CONCERNING. They further encouraged me to reach out to the credit bureaus to have each of them update their records. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.

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