vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
A new collection for {$400.00} for XXXX XXXX ( also called XXXX XXXX  ) appeared on my credit report ( collection date XX/XX/2016 ). I called Aldous Associates ( claims to be a legal firm ) and they were not able to share any information about this debt or account information. I called XXXX and they have no record of this debt. 

I never received any notification from XXXX or XXXX or Aldous Associates ( Collection agency ). I suspect this may be a fraud. 

I am refinancing my mortgage and this is affecting my approval and interest rates. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: FL

Complaint narrative:
To Whom it may concern, I received copies of what appear to be front pages of a XXXX XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX KS per statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX since XXXX. I Moved to XXXX in late XXXX of XXXX staying with a friend in XXXX XXXX and moving to my own place in XXXX XXXX in which I lived until I moved to XXXX XXXX XXXXXX/XX/XXXX for work and presently live here in XXXX XXXX  as of today. My 1st time visiting XXXX  since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: FL

Complaint narrative:
To Whom it may concern, I received copies of what appear to be front pages of a XXXX  XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX KS XXXX statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX since XXXX. I Moved to XXXX  in late XXXX of XXXX staying with a friend in XXXX XXXX  and moving to my own place in XXXX XXXX in which I lived until I moved to XXXXXXXX XXXX  XX/XX/XXXX for work and presently live here in XXXXXXXX XXXX  as of today. My 1st time visiting XXXX since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a mortgage with Bank of America that I thought I had paid on XX/XX/2020 for a payment due on XX/XX/2020. 

After further investigation, it seems that the payment did not process. Therefore, I was notified the evening of XX/XX/2020 that I had a late fee and if I did not pay my mortgage immediately I would be reported to the credit bureaus. 

Not once did I receive any communication prior to XX/XX/2020 that I had missed the mortgage payment on XX/XX/2020, nor did I receive a notice on the day that a late fee would be charged ( XX/XX/2020 ). I did, however, receive an email on XX/XX/2020 that mentioned there was a statement available. In that statement it listed the overdue fee and late charge, HOWEVER in the email there was no statement or understanding that funds were outstanding or a late fee was already being charged. 

This is misleading communication and clearly violates XXXX in that it is deceptive.

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 2020-06-23 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: NC

Complaint narrative:
Today, XX/XX/XXXX I called Capitalone at XXXX XXXX ( In North Carolina Eastern time ) to not only make a payment, but determine why a purchase I made last week didn't post yet and the system wasn't allowing me to pay the entire amount. I wanted to make the entire payment of XXXX which includes XXXX ( the payment that was still pending ) in addition to the account balance of {$270.00}. I was told by the customer service rep that on her end it wasn't pending but processed, approved, and posted therefore I asked why doesn't it show that on my end instead its still in pending status I guess she couldn't explain so she transferred me without my knowledge to a gentleman in which he stated the same thing she stated, but that I wouldn't see the posted status until XX/XX/XXXX and that I basically couldn't pay the pending amount since it wasn't posted on my end just their end. Still doesn't make sense to me. 

Because my lunch was over I decided that later I'll call or log online after work to make my payment. I went to pay online at XXXX XXXX and I was given a message that b/c it was after XXXX XXXX I couldn't pay for the XXXX I had to choose the date of the XXXX therefore I called Capitalone to explain to them what's going on & I was told that there's nothing that can be done by XXXX the rep as well as XXXX the Supervisor and that I will receive a late fee because it was after XXXX XXXX. I explained that I've been a long time customer, since XXXX and because I've been on time with my payments that my payment should be accepted for XX/XX/XXXX because technically the day wasn't over until XXXX XXXX and it was only 2 minutes after the XXXX XXXX  deadline based on what XXXX informed me of when I called in. They weren't open or willing to work with me at all or consider the facts or valid points just very cold nonchalant no empathy especially considering these stressful times and the fact that I called in earlier today on XX/XX/XXXX to pay my balance in full. I believe they decided not to post the {$170.00} today because they want my account to accure interest b/c why else would it post and is approved on their end but not mine??? 

Also, I added screen shots as attachments to show the system graying out the XXXX only giving me the option of the XXXX, when I called Capitalone, and an email that shows my email timestamp of XX/XX/XXXX verses the date in Capitalone 's email stating the payment will be considered for XX/XX/XXXX instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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:
On XX/XX/2020 I reached out to an Experian representative to have 'dispute remarks ' removed from my credit report for ALL accounts showing dispute remarks. This was for me to purchase a home ; I could not get an approval unless the dispute remarks were removed. The agent assured me that the remarks were removed and the update would occur within 24 hours. It has been 3 weeks and the remarks have yet to be removed. I come to find out that the agent opened up a new dispute case, report # XXXX. This is causing me extreme XXXX, considering that I can not close on the property unless the remarks are removed for XXXX XXXX or XXXX XXXX to approve financing. I have called every possible phone number for experian, only to be directed to an automated system that does not assist in my needs. It is now XX/XX/2020. I am expected to close on a home on XX/XX/XXXX. The lender has pulled my credit every week for the last 3 weeks, with no change. This is extremely frustrating!! I am submitting this complaint because Experian is incorrectly reporting information on my credit report.

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 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Will not let me link my bank account to my XXXX  account, I am currently with PNC bank and when I attempt to set up an auto transfer program it sent a message saying they were having trouble connecting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I had paid the collection account with Midland Funding LLC and was told that the debt would be removed from my credit report and would no longer negatively impact me within 30 days of payment. It has been over 30 days and the debt/tradeline is still reporting incorrectly. It is negatively impacting my chances of closing on a home in the next 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I have a current loan with cash express in XXXX off of XXXX XXXX and I have asked since covid pandemic for them to accept a payment agreement at a lower amount. I am wanting to negotiate a lower interest rate and a smaller payment per month than {$190.00}. I have been told repeatedly that if I do not make my payment that they will sue me. I have been affected by the pandemic and now testing positive for covid recently and I can not afford to pay back on the current terms. I also asked for them to stop the ach withdrawals and I have not recieved any confirmation by way of mail regarding this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth Third Secured Credit card opened without my knowledge but appears on XXXX credit report, carries a balance has been active > 90 days and is impacting my credit score. Have tried to contact customer support at both companies and they could not resolve issue. I do not see the card listed under my account details when I log in to my bank account. I believe this may be a technical issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are several closed accounts on my XXXX, Equifax, and XXXX  credit report that are extremely outdated and need to be corrected by being removed. Also Equifax, XXXX, and XXXX   are reporting unverified information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2020 I have paid for gas in XXXX near XXXX at the gas station {$30.00}, however at the credit card statement I found another transaction made at the same date and time amount of {$370.00} which I have not made and have not authorized. After investigation Chase Bank declined to consider second transaction as fraud and rebilled the full amount of {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Ive been a member with American Express since XXXX. I had a {$10000.00} credit limit. I am a XXXX and have been one for the last 26 years and have been a XXXX XXXX the last 12 years. During the later part of XXXX and early part of XXXX. I made 3 major purchases with my American Express Card. I bought a ergonomic chair for my son since he was schooling at home for about {$350.00}, a deep freezer for {$350.00} and an online class so I can learn the technique to do my own hair called XXXX. The freezer was supposed to deliver on XX/XX/XXXX. It was never delivered. I called XXXX on XX/XX/XXXX to see what was the delay, worried that they would tell me that it could not be delivered. The customer service agent said that they would email the vendor to see what happened and to give them 24hrs to reply. I waited until the next day and seeing that I didnt get a reply from the vendor I reluctantly went to the XXXX website to purchase another freezer. All that was available were commercial freezers, costing {$1800.00} or more. I was concerned that the original freezer I purchased wasnt going to be delivered so I went ahead to try to by this commercial freezer even though I did not want to charge that much to my card. I tried to complete the transaction 3x and it didnt go through. I went to the Amex App to check my account and saw that the credit limit was lowered to {$1600.00}. I then called Amex to find out what happened. They said that my limit was lowered they said it had been recently lowered. I said I never got an email about it. The customer service agent said because it was done today, I said what time today but he said to me he didnt know when. So I then said when o was trying to purchase a freezer to keep food in preparing for a possible food shortage Amex decided to lower my credit limit? Even when my debt to income ration was steadily lowering over the past year, 3 creditors increased my credit limit and I had no late payments? Also my credit score was steadily increasing as well. Amex said I was high risk and thats why they dropped my credit limit. We also know dropping my credit limit increased my debt to income ratio and as of yesterday my credit score dropped 71 points. I did not deserve this! I have a steady income and a secure job. I have not paid any late payements, my Dept to income ration was steadily going down and my credit score was going up. What is the purpose of having a credit limit of {$10000.00} but when you go to use your credit its dropped as youre trying to use it. I wasnt delinquent on any payments to Amex or any other creditor in many months. I feel slighted and disappointed and I didnt deserve this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
An account is reporting to my credit profile that is NOT linked to me. The collection agency informed me that the account was opened under a business that I am NOT linked to.

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
An account is reporting to my credit profile that is NOT linked to me. The collection agency informed me that the account was opened under a business that I am NOT linked to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  XXXX  Secured Credit card opened without my knowledge but appears on TransUnion credit report, carries a balance has been active > 90 days and is impacting my credit score. Have tried to contact customer support at both companies and they could not resolve issue. I do not see the card listed under my account details when I log in to my bank account. I believe this may be a technical issue

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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I refinanced my loan and my previous lender/servicer ( BB & T ) charged {$31.00} unusual fee ( Document cancel fee ) plus one extra day of interest ( {$74.00} ). I wired pay off amount a week before funding date to the settlement company and as I know they wired it the same day as the scheduled funding date ( XX/XX/2020 ).

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 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio is reporting an account to my credit profile that I was told that was opened under a business name that I do not have ties to and have never had ties with. See attachment for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/20, I attempted to make a minimum payment of {$35.00}. I was never advised that the payment was returned because of an incorrect number entry. 

When I attempted to make the minimum payment on XX/XX/20, I learned that the minimum payment of {$35.00} attempted on XX/XX/20 did not go through. No notification was made of the failure of the XX/XX/20 payment. 

When I called on XX/XX/20 to have the {$29.00} fee for returned check ( it was an online payment ), I was told that it could be reversed. In addition, I was charged interest of {$0.00}. 

On XX/XX/20, I paid the outstanding balance of {$1000.00}. 

On XX/XX/20, I was charged an additional {$0.00} minimum finance charge. On XX/XX/20, the Customer Service rep reversed the {$0.00} finance charge but not the {$29.00} returned check fee or the {$0.00} interest charge. I also requested that the account be closed. The offer was to give me discounts for future purchases.

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