vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: AMERICA FIRST FEDERAL CREDIT UNION
State: MT

Complaint narrative:
Hello and thank you XXXX XXXX XXXX XXXX XXXX XXXX has Merged with America First Credit Union in Utah. 
I have a item appearing on my credit report that belongs to an ex-husband. I declared bankruptcy ( Discharged XX/XX/2020 ) and it shows delinquent 6 times after that. I do not know what he has done since we almost never communicate. 

We are trying to buy a house ( My new husband and I ) and this needs to be removed from my credit file so we can get the VA loan approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: WA

Complaint narrative:
I submitted a Public Service Loan Forgiveness ( PSLF ) form last year to FedLoan Servicing and received a letter dated XX/XX/2021 ( attached ) that it's under review to verify if I work for a qualifying employer. I have since contacted FedLoan several times and they confirmed based on the submitted information that the employer qualifies for PSLF, however the application is still under review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: WV

Complaint narrative:
On Friday XX/XX/2022 I made a payment to my CapitalOne Quicksilver card and my CapitalOne Platinum card. I normally do not pay off my balances but this time I had received a bonus from my employer and I am trying to improve my credit score by paying all credit cards off and using 1 card to receive cash back. Normally my balance is reflected immediately following a payment because I use my CapitalOne checking account to pay these cards. A few days later ( Tuesday XX/XX/2022 ) I called to find out why the balances showed as XXXX but the available credit also showed as XXXX. I spoke with 3 different representatives ( increasing in management ) and all of them stated that on occasion ( no real rhyme or reason ) their system will put a hold on a payment. First of all, I have never heard of a financial institution putting a hold on a payment ( and I work as a Sr. Compliance Officer in a financial institution ). Secondly, the payment came from their bank!! I pay my cards from a CapitalOne 360 Checking account. The funds arrived there by ACH ( not a check ) and they said they needed to verify that the funds were there? They stated that the hold is for 7 days and my balances will be available on the XXXX. I find this to be a XXXX  violation as I can normally use the Quicksilver Card to gain cash back on my purchases of which I planned on using this card for not only a vacation ( birthday on XX/XX/XXXX and XXXX  day on the XXXX ) but also some home improvements ( this represents a financial loss to me ). Also, the representative told me that if this were an emergency they would try to work something out for me.. Why would it have to be an emergency? It should be just good old fashioned customer service. Apparently I am not important enough to them. Please feel free to reach out to me. I will be filing a formal complaint through their CEO 's email as well. I will be removing all of my accounts from CapitalOne as soon as possible. This will also cause me financial harm as closing credit cards will have a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
Hi! 

We bought XXXX gift cards from XXXX worth {$750.00} ( XXXX ) as a wedding gift to our best friend 's wedding. 

The cards were purchased on XXXX XXXX. Our friends when they tried to use the card a few weeks later but to their surprise they noticed that {$500.00} gift card already had multiple transactions charged for small amounts by XXXX totaling {$490.00}. 

On XXXX XXXX our friends initiated a dispute with the vendor and they were told to wait for 90 days. On XX/XX/2022 the vendor came back stating that there was no fraud detected on the card and we were advised to contact XXXX to check on their side. 

On XX/XX/2022 XXXX also replied and stated that they were not able to detect the fraud and money will not be refunded. 

Now after all these months of struggling with multiple vendors we still have not received any refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 AT XXXX XXXX XXXX XXXX TX  XXXX  HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (FCRA)

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 2022-02-08 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: MI

Complaint narrative:
XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX  HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF $XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (FCRA)

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 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
In summary, on XXXX I discovered that $ XXXX was removed from my XXXXXXXX XXXX Checking account. I was made aware through my XXXXXXXX XXXX  app that the {$8000.00} XXXX was removed via a web initiated payment at XXXX XXXX on XXXX. I do not have a Chime account. I notified my bank to put a hold on my account. I also filed a fraud claim with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My name is XXXX XXXX . I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.

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 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I went on on XX/XX/22 about XXXX to make my mortgage payment for XXXX, as I do every month. Unfortunately I have made my payment at the end of every month for over two years now its just the way it is and how it happened with a Pay schedule change a while ago. I have never been late on any payment on my Mortgage. Credit reporting is extremely important me and I am not late. When I went to try to go on to make the payment the site was down I then tried to call and the phone system was down and I was unable to make any type of payment as the whole system was down. I consistently tried to go on for hours with no luck. I got error messages indicating the system was down and was going to go down, and at XXXX Eastern time it notified me of the errors. I am in California therefore I should have had more than enough time to make my payment timely without getting a 30 day late on my credit. Again I have done this for years with no issues. I immediately emailed new Rez the error I was receiving and the minute I was able to make a payment a payment was made. Unfortunately it was taken out early on XX/XX/22, which made a 30 day late on my credit. I called and advise this was not my fault and it was a system error and they have asked me to email them over what happened along with snapshots I have of the error messages I received and today they have not fixed my credit reporting. 
I also have XXXX showing that my account was showing in active and was not allowing me to pay on an active account until the following day the whole system was messed up I have asked them to remove the 30 day late and report my account as current as it was not my fault that the payment was made late. I kindly ask that you request new rest to remove the 30 daily as it was their fault their system was down and I was unaware of the system being down until I try to make my payment again this is not a one time thing that I forgot to make it till the end of the month it is very normal for me to do this unfortunately but it has been consistently done this way for years with new razz with no issues I am now 30 days late on my credit report which dropped my credit score and I am devastated because it was not my fault and I am not late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX and my home ( a mobile home ) at XXXX XXXX  XXXX, XXXX, NV XXXX burned down more than two ( 2 ) years ago. I reached out to my loan servicer ( Loan # XXXX ), Community Loan Servicing ( Number XXXX ) when I inquired they advised me that I did not have insurance. I was approached by a friend of mine who is skilled in real estate and he looked at my payment statement and advised me that I had an impound account and I, in fact was being billed for insurance. XXXX XXXX became my Third Party Authorization and Power of Attorney. He sent the documents on XX/XX/XXXX. He then called the company on XX/XX/XXXX and spoke with a representative named XXXX in the XXXX Call Center. XXXX refused to answer any questions related to the insurance. XXXX XXXX then called back multiple times with the question about the insurance and escrow accounts only to learn that there was a lender placed insurance policy. And, in XX/XX/XXXX the lender received a check for {$82000.00} which should have fully satisfied the loan. I am asking that you use the money received to pay off the Loan ( now a short pay ). Finally, please stop the foreclosure and notify all credit agencies and communicate that I do Not have a delinquent loan. The insurance claim number in this matter is XXXX. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: TX

Complaint narrative:
other EDFINANCIAL XXXX XX/XX/2018 {$890.00} EDFINANCIAL XXXX XX/XX/2018 {$6400.00} EDFINANCIAL XXXX XX/XX/2018 {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NC

Complaint narrative:
I feel I'm a victim of 15U.S.Code 1681a ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CT

Complaint narrative:
My name is XXXX XXXX . I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Hello, As recently as this past fall, my credit score was around XXXX. Then, beginning last month, Synchrony Bank began to lower my credit limits on some credit cards and even closed one account I had with XXXX XXXX. I have absolutely no idea what caused this action! I have never been late on any of my accounts, and my overall credit usage was between 25 % -30 %. Within the last 3-4 weeks my credit limit has been lowered on several of my accounts. My XXXX XXXX account credit account limit was lowered from {$4500.00} to {$250.00}!!! I opened that account, but have never even used that card. 
With these credit limits being lowered, the adverse affect is that the credit bureaus now see my credit usage go up from around 30 % all the way up into the 90 percentile! This is just wrong and extremely unfair! One letter I saw said that I had too many new accounts, but that's total XXXX  because I had many new accounts opened when Synchrony opened these accounts in question. In fact, THEY opened some of these accounts themselves! I tried to reach out to them, but getting in touch with the right person or right department is too difficult ; most likely by design! I am retired and living on a fixed income. I don't have to tell you how important it is to maintain good credit. But when an unfair practice such as this is allowed to happen, people like myself have absolutely no recourse to counter with! I can get angry and voluntarily close these accounts, but again, this will have an adverse affect on my credit reports and credit scores. I'm left to deal with whatever is handed to me with no way to fight back and get this undone! Do you understand how embarrassing it is to have a credit card declined when you're at the cash register because the reduction in credit limit was put into effect before I even received notice about it?? 
What's really crazy about this situation is that first, I'm told that I don't have enough credit accounts open to allow lenders/creditors to gauge what kind of risk I am. So, fine ; I open a few more accounts to help resolve that issue, and now I'm being penalized for that!!! I need your help!! All people like me need your help! Thank you very much!!!!

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 2022-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Dear Sir /Madam, We would like to report what we consider to be a predatory practice regarding a XXXX XXXX loan by our bank, Wells Fargo . 

In XX/XX/XXXX, we took advantage of a zero interest loan offer to finance the replacement of the old air conditioning system in our house. The amount of the loan was {$5500.00} to be repaid over 18 months. The loan was to be repaid through monthly installments of {$310.00} ( the first one was a little more, at {$380.00} ) and a last one of {$190.00}, to be paid through automatic debit from our bank account. All XXXX installments were paid in a timely manner through automatic debit. XX/XX/XXXX was the last installment of the 18 month loan. However, the last installment of {$190.00} was not debited, for a reason unknown to us. We received no alert, email or notification whatsoever that this final installment had not gone through. Because of this, Wells Fargo is now charging us with almost {$2000.00} interest retroactively, or nearly 40 % of the borrowed amount. 

On XX/XX/XXXX, we contacted the bank to contest this. Their justification wasthat an e-mail had been sent to us alerting us aboutthe last installment. Searching our personal emails and online Wells Fargo messaging system thoroughly, we found no record of any message. We paid the final {$190.00} but refuse to pay the XXXX dollar interest on the loan. The banks answer was that the dispute would be taken to a higher hierarchical level. To this day, no-one has gotten back to us. 

We consider that the bank is trying to retroactively change the conditions of the loan alleging the missing of a smallpayment that should have been directly debited by the bank. We would be grateful if the Bureau could provide some advice on how to proceed to stop a claim that is not only undue but completely out of proportion to the initial amount of the loan.

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$740.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: ERC
State: MA

Complaint narrative:
On XX/XX/XXXX I went to review my credit report as I periodically do through XXXX and XXXX XXXX. I noticed that I had a new collection account for {$90.00} that I wasn't aware of which had negatively affected my credit. It looked like it was from XXXX, but I have been and am current on all of my XXXX payments. I contacted XXXX, and after doing some research, they discovered that it was a past due payment from XXXX although on my report it stated that it was opened XX/XX/XXXX. I asked XXXX why they had never mentioned a past due amount since I have current accounts with them, but the representative wasn't sure. She was able to tell me that the collection was through a company called Enhanced Recovery Company or Enhanced Resource Centers ( ERC ), and she gave me their number. I contacted them and made the payment through an automated service. Upon further investigation, I realized I had never received any notification of this debt. When I went through the automated service they had the wrong address on file. I never received a phone call or letter regarding this matter or I would have addressed it. In addition, the information on my report was wrong because it stated that it had been opened on XX/XX/XXXX, and listed it as one month old instead of 12 years. I called ERC back to explain this, and they disputed what I was trying to explain to them. I filed a dispute with XXXX and XXXX ( it didn't appear on XXXX ), and the dispute has been granted and the collection item has been removed. 

My complaint is the unfair and inaccurate tactics used by ERC, and I am hoping that they do not continue this practice of reporting old debts as new debts on credit reports, especially without any notification to the alleged person that owes the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NC

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation