vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA

Complaint narrative:
In XXXX of XXXX XXXX XXXX ( at that time ) disconnected my internet access due to my bill being past due. In XXXX (? ) XXXX company changed it's name to XXXX. XXXX XXXX was contacted in XXXX with a request to send a prepaid shipping label in order to return their equipment for myself, my business, and my mother. This consisted of a basic cable modem and 2 advanced router modems. I personally put the equipment into the box, label applied, and package shipped from the XXXX  drop-off location at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Once items were disconnected, internet access would have been impossible even if access was available. XXXX is well aware of this. I was unaware that the company had changed names until approximately XXXX of XXXX. In XXXX of XXXX I finally received a bill from XXXX for the amount of {$690.00} I immediately contacted the company asking them to justify the amount. Initial person I spoke with informed me that service was disconnected in XXXX but subsequently reconnected. XXXX representative stated that since no phone call was received specifically requesting for our services to be terminated, they continued to bill for months after XXXX into XXXX. I informed representative that I would pay for outstanding month ( s )? up until XXXX, I would not pay for months after their equipment was returned. The phone call was ended without resolution. Approx. 2 weeks later I received another bill for {$570.00}. I contacted the company again twice finally speaking with a supervisor. The supervisor informed me that the bill was adjusted due to my prior phonecall the company assumed (? ) that I wanted the service terminated. Supervisor informed me that I was responsible for months of XX/XX/XXXX through XX/XX/XXXX and refused to even consider any negotiation. She claimed that since I was receiving $ XXXX. through the XXXX and XXXX XXXX program, they could not disconnect my service. 
The funds I was receiving through the program were transferred to XXXX ( my new ISP ) on XX/XX/XXXX. The supervisor also stated that the package containing our modems was never received until XXXX of XXXX. She claimed that the package only contained the 2 advanced modems but not the basic modem. A phone call made XX/XX/XXXX to XXXX confirmed that the package was delivered intact to XXXX XXXX ( at that time ) on XX/XX/XXXX. Also, assuming that only one modem was missing from the carton as XXXX claims, why would the thief decide to take the smallest, cheapest modem? XXXX has decided to forward collection of this debt to a collection agency. This is going to detrimentally affect my previously impeccable credit score and rating. I would like XXXX to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a call from My banking institution XXXX Bank of America ) on XX/XX/2022 from the fraud department regarding an illegal XXXX transaction made on my account. The fraud caller was impersonating a BofA representative and instructed me to send a transfer of {$3300.00} to myself in order to prevent the XXXX transfer from occurring and leaving my account. I received several text messages asking me to verify my BofA account while on the phone with the scammer. I thought what I was doing was legit at the time and proceeded to make the XXXX transaction by sending it to myself. The scammer even gave me his employee ID number as I continued to believe the caller was legit. After completing the transfer of {$3300.00}, The same scammer told me that someone was sending me a payment of {$7000.00} and that I needed to reverse the transaction by sending a payment of {$7000.00} using my savings account. Because I did not have the {$7000.00} in that account I began to ask questions as the caller began to ask me for my debit card number and PIN code. I began to get suspicious of him then the caller placed me on hold for roughly 30-45 minutes, once he returned on the phone, he said '' your account is being investigated by the Police, no further action is needed ''. That was the end of the call, now im completely out of {$3300.00}. I have filed a claim with BofA, however they denied my claim and Im not sure why. Please help!!

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
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC # XXXX, US DEPT OF EDUCATION # XXXX, US DEPARTMENT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDDUCATION # 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 that a consumer reporting agency can not furnish an account without my written permission or 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 explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Repeated Harassment over the Telephone even though my number is on the DO NOT CALL registry and I've been receiving calls at abnormal hours such as during work, in the morning, and night as well as more than 7 calls in a week and even trying to use a different phone number. This is in violation of my Consumer rights and the FDCPA codes listed below. 

FDCPA section 806 ( 15 U.S.C.1692 ) Refer below to 15 USC 1692c ( a ) " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt '' Refer below to 15 USC 1692c ( 1 ) " at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location '' Refer below to 15 USC 1692d ( 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-05-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" US SM BUS ADMIN ODA  '' - XXXX XXXX is in violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. I did not consent nor benefit from the following information being reported on my credit report. Remove items and report positively on my credit report.. 

XXXX XXXX XXXX XXXX  -XXXX XXXXXXXX also is in violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. I did not consent nor benefit from the following information being reported on my credit report. Remove items and report positively 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 2022-05-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Due to a change in escrow, the monthly mortgage payment changed by {$10.00}. My bank wired the old payment amount, which was {$10.00} less than the new amount. The mortgage company ( XXXXXXXX XXXX  ) held the funds unapplied and failed to properly contact me to advise about the unapplied funds and " missing '' monthly payment. By the time I found out about this issue, they reported my account 30-days late to the credit bureaus. This is not a " late '' payment but a misapplied payment. Also, they should have let me know about this misapplied payment prior to the 30 days. I've tried to explain the situation to their customer service and credit reporting departments and they've ignored my requests to correct this reporting.

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 2022-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I was a member of XXXX XXXX in XXXX, CA for 2 months when the Covid-19 pandemic shut everything down in XX/XX/2020, including all gyms. However, they continued to withdraw monthly dues from my checking account. I tried to contact them on numerous occasions to no avail ( they were closed ). I then stopped/blocked them from withdrawing payments from my bank. They then sent me to collections by some attorneys in Utah named Aldous & Associates claiming I owed {$280.00}. One of their phone numbers is ( XXXX ) XXXX. I had my attorney friend call them and she left a message for them to call her. They never called her. They continue to call me to this day, and leave messages at least twice a week. I blocked their number but they get through on another line leaving a me a message. I have had enough!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I held a checking account at Citibank, # XXXX, which the bank closed in XX/XX/2022. There was also a debit card issued on this accounting ending in XXXX. On XX/XX/2022, XXXX issued me a refund to that card ending in XXXX in the amount of {$79.00}. I've spoken wth XXXX and the refund was not rejected so this means Citibank still has my funds and as of the date of this complaint has not refunded this money to me. I am owed {$79.00} and the transaction ID for this refund per XXXX is XXXX. 

It has been 3 months since this refund was issue which is more than enough time for me to have received the refund from Citibank The only resolution I will accept to this matter will be my money returned to me. I have tried calling Citibank 's call center, however, they must have outsourced their customer service because the people that answer that line do not speak clear enough English in order to understand them. They tell me to go to a branch and when I go to a branch, the branch tells me I must contact customer service. At this point I am going in circles. 

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 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Good afternoon, I'm writing for your help because currently TD bank North of MA freeze my account and held my account up bc they claim i deposit funds that were paid to me but not honor as they claim it seems fraudulent although they call the sender to confirm these. It's being held up for 14 days causing me to bounce my automatic payment, mortgage to become in default as i was trying to cure the debt since XX/XX/2022 The y have held my funds since {$5100.00} checking {$5000.00} savings {$11000.00} biz checking I have paid in fees due to the fact that my account is block {$3500.00}, now my mortgage is foreclosure totaling XXXX due immediately I also, lost money by fees {$320.00} business banking

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a mortgage with Bank of America. In XXXX of XXXX they billed me 2x and I paid them both. They applied the extra payment to the next month. I was fine with that. I enjoyed being a month ahead on my payments. In XXXX of XXXX, they decided on their own to stop doing that and apply it all to principal. I called and had them change it back to being an extra month ahead. Now every month they try to keep trying to apply my payments to extra principal and I have fight them to change it to a standard payment. This month they are refusing to change it to a standard payment. I have all the documentation to prove this. I understand terms and conditions of a loan can be changed if both parties agree. They continually keep trying to change back the way they want without my consent. 

Thank You, 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 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Account was closed without any reason given. I have been a banking customer for many years and never improperly used my account for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Regarding an Apple Card account with Goldman Sachs Bank USA. When requesting the address to make overnight courier payments by check, was given the following address by telephone support : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Then I was told that upon receipt of the check by courier ( XXXX XXXX  ), it would take another 7-10 business days to process the check. From the address, it is evident that XXXX is sending to XXXX and then to XXXX, UT, with an interstate routing scheme that appears designed to delay such payments. Thus, XXXX is purposefully making it impossible to accept payments and process them on the day of receipt, even for overnight courier payments by check. I have been doing this same payment for several other XXXX firms today, and all of them credit the payments on the day of receipt. So this arrangement appears specifically designed by XXXX to rob customers of interest and create delayed payments made by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
1 ) XXXX, XXXX and XXXX inaccurately reported Ive disputed countless times. 2 ) American Express closed my count XXXX, XXXX continues reported me late.3 ) XXXX XXXX closed my account XXXX XXXX due to Fraud and continuous reporting late payments. XXXX XXXX XXXX XXXX reporting XXXX ) XXXX XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXXXXXX XXXX showing charged off XX/XX/XXXX but accounted was closed XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Escrow was raised this year in XXXX. It doubled my mortgage payment, in which I can not afford. I tried to get propetyy taxes roved from escrow due to the lender saying that is why it raised, in which they refused. I now see there has been a loan protection fee added to my escrow for over {$2000.00} so it raised because of that not property taxes and they refuse to remove it. I have had this loan for 15 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and the last reported is not accurate.This ground for removal they also violated my rights under 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 as a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 90 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Accounts/ Inquires 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 a account without my written instructions -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT OF ED/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