vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My account was sent to charge off in XX/XX/XXXX. The charge off amount was {$3000.00}, The card limit was {$2500.00}. However, I starting making {$10.00} payments on my own to in XX/XX/XXXX to reduce my balance and make a positive effect on my credit score. My {$10.00} payments are not showing on my end on my credit report as being paid. 
It states not payments to creditor. The current Balance is {$2800.00} and last week my credit score dropped 20 points. I called XX/XX/XXXX and was told that the credit bureau automatically calculate my score based off something not sure what they meant. In addition, I called the Company that I owed my balance to and I was told that the only way for my score to change was to pay off the balance or pay the settlement of {$1400.00}. I was even told to use my stimulus, the nerve of that representative from the credit company. I would really appreciate your help. Thanks

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 2021-01-25 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: NY

Complaint narrative:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.

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 2021-01-25 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: FL

Complaint narrative:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
talked to XXXX at XXXX XXXX XXXX acct XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX ; phone XXXX, only to be told i should filed a disputed claim with experian. need to correct addresses, name, and date of birth. seem XXXX  XXXX # XXXX has sold a debt to XXXX XXXX XXXX. XXXX  XXXX has placed on my experian credit report. have NO knowledge of and have Never used XXXX XXXX ; they sould be looking elsewhere. Have ask XXXX XXXX XXXXXXXX to remove the credit item from my history XXXX as of XX/XX/2021 ).

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 2021-01-25 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: FL

Complaint narrative:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.

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 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: FL

Complaint narrative:
Tried calling them on XX/XX/2021. 
They weren't nice and didn't want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Harassing phone calls from mortgage company. 

If I am late to pay my bill which is due on the XXXX, I start getting phone calls 7 days after during the evening hours and on the weekends. Also, the caller ID for the phone number they are calling from is labeled " THE DEFAULT DEPARTMENT '' implying that your mortgage is in default. All in an effort to stress out or harass the loan owner. 

Is the mortgage company allowed to harass the loan owner?

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XX/XX/XXXX XXXX through XX/XX/XXXX XXXX Experian has been debiting my debit card in the amount of {$19.00} per month. I have recently became unemployed and just noticed the charge for XXXX and researched my account to find the additional charges. 6 charges of {$19.00}. I contacted Experian and they researched to see that the charges were not made by me, but by someone using my debit card. However, they refuse to refund my money. They told me it was my financial institutions responsibility to refund the money. This is incorrect, all my bank can do is issue me a new debit card. They said Experian is responsible for the refund due to them being the one who actually received the money, which only makes sense. I have spoken to XXXX XXXX ID XXXX, if this is even legit info ) she wouldn't give me her last name for whatever reason, she is the one refusing my refund even though they can see where a different person other than myself, diff name and social, used my card. She also refused to let me speak with someone else. I just want my money refunded that Experian has taken and now they are proving to be the ones doing the fraudulent activity.

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 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX Opened XX/XX/XXXX ; Amount {$3700.00} This account is appearing on my credit report and should permanently deleted due to Statute of limitations being 7 years. it has been over 7 years of reporting. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ; Amount {$650.00} This is in no way my account nor my debt XXXX XXXX XXXX XX/XX/XXXX ; Amount {$600.00} This is in no way my account nor my debt. 

XXXX  XX/XX/XXXX ; Amount {$320.00} This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt. 

XXXX XXXX XXXX XX/XX/XXXX This is in no way my account nor my debt.

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 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened an online checking account with BB & T Bank approximately 2 years ago. On XX/XX/2021 I tried to make a bill pay online using this account and kept getting a message that I didn't have an eligible account for bill pay. I called their customer service on XX/XX/XXXX and XX/XX/2021. I have spent approximately 2 days and 4 hours on the phone trying to resolve this matter. They finally informed me my account was dormant and I had to go to a branch to make the account active. The nearest branch is 214 miles one way from my house. I explained to them how far it was and said I would like to close my account then. They informed me I had to go to a branch to close my account. I asked to speak to a manager. I told him I didn't understand why I was able to open an account online if I had to do my banking business in branch. It is not reasonable for me to have to drive that far. I also explained I did not receive any kind of notification that my account was going dormant. Nothing was resolved.

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 2021-01-25 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: CT

Complaint narrative:
XX/XX/XXXX Chase Card Service XXXX. XXXX  XXXX XXXX, DE XXXX Acc't Number : XXXX XXXX XXXX XXXX ( Fraudulent Charges Applied ) Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2100.00} on my account ( XXXX for {$630.00}, XXXX for {$690.00} and XXXX for {$840.00} ) The amount is inaccurate because of fraudulent activity. I did not purchase these items or have any knowledge of these items being purchased from XXXX 's or any other seller. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Further, the XX/XX/XXXX charge of {$840.00} was in Pending cc transaction when I discovered the Fraud. I called Chase advising them of these three fraudulent charges and ask that my card be canceled. So, Chase had opportunity to stop the Pending {$840.00} charge that day. But, did nothing. 

Chase 's letter dated XX/XX/XXXX stating that these transactions are valid does not answer the more important issue of Fraud. Someone, not myself, used my name and cc number to fraudulently purchase items. Just because my card was used for fraudulent purposes does not obligate me to assume the costs. In fact, that is absurd! Chase 's investigation is less than Best Practices and inviting customer dissatisfaction. Please explain your position of these transactions are valid as it is not very clear. How did Chase come to this conclusion and based on what criteria? Further, I have opened an inquiry with XXXX 's, Incident Report Number XXXX, which could have been requested by the Chase Fraud Dept. through myself. Being proactive! On XX/XX/XXXX, XXXX 's did a preliminary search and could not locate any of these charges against my credit card ending in XXXX or last name, while, labeling them as invalid. XXXX 's has forwarded it on to their internal investigating dept. So, are these charges actually from XXXX 's. These charges are bogus. A Federal Trade Commission ( FTC ) Consumer report was issued # XXXX. A Connecticut XXXX Police incident report was issued # XXXX. 

Enclosed are copies supporting my position. Please thoroughly investigate this matter and correct the billing error as soon as possible. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Home- XXXX Email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Tried calling them on XX/XX/2021. 
They weren't nice and didn't want to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TX

Complaint narrative:
To whom it may concern, I was asked to leave an apartment shortly after signing a lease. It was agreed that no penalties or fees would be owed if I moved out by the end of XXXX. I complied and on XX/XX/XXXX a letter from apartment manager XXXX XXXX ( who I have an open case with for harassment ) sent me a letter showing I owe a debt and I had 30 days to send payment. 

On XX/XX/XXXX an email from Hunter Warfield Inc was sent to me advising I owed a debt in the amount of {$2800.00} by XXXX XXXX on account # XXXX. It was impossible for the debt to be valid since the XXXX day had not passed. 

I sent a response the same day advising I would be disputing this information and that I had proof from management that a debt was not owed. A response was sent to me by Ms. XXXX XXXX Consumer Collections Manager with Hunter Warfield who advised a debt validation letter would be sent. 

34 days after my initial request to validate the debt, another communication email was sent with an encrypted message. I was not able to see the message and saw this as an attempt to not provide the information I was seeking. 

The property manager has been known to use harassment tactics to violate peoples daily lives. She is now using Hunter Warfield since she is now under litigation for her actions. 

Hunter Warfield should have noticed the debt was not even due and should have not started debt collections. Hunter Warfield is fully aware of their actions. They refuse to provide the information necessary to collect a valid debt and still continuing to harass me for debt that has not been validated. 

The apartment is charging for items such as water and sewer use that was never required to be paid. Also the apartment is charging for XXXX rent when a letter is attached showing rent would not be charged for XXXX as well of any other penalties if moved out by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: VA

Complaint narrative:
I received an email that I had changed my pin when I did not change the pin. I checked account and there were 2 different transfers into 2 different accounts that came out to over XXXX dollars. I contacted the way2go customer service and filed a claim. They sent me a letter denying that it was fraud. After spending hours trying to get someone on the phone, they said they would send me information why they didn't approve my claim, but never did. I spent another 2 days trying to get someone on the phone, which kept disconnecting with over 4 hours on hold. I am a single mom to XXXX kids, and I can't afford to give up regarding blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
About three years ago I purchased phone and service from XXXX who gave me discount if I provided a credit card such that XXXX might charge it monthly. I gave my Bank of America credit card info to XXXX to use. Monthly they push messaged me advanced notice of date and amount due giving me opportunity to early pay by some other means. I received such notice on the XXXX of every month with a due date of the XXXX of the next month. My due date for any BOA credit card usage is the XXXX of every month. I never made direct arrangements with BOA to pay my XXXX bill. On XX/XX/21 I changed my payment arrangement with Tmobile over to a XXXX XXXX account not wanting to use my BOA credit card ( paid up to date no balance due! ). Sometime between XX/XX/21 and XX/XX/21 i got an email from BOA charging me {$49.00}, due XX/XX/21, for my next months XXXX bill. I called BOA telling them I switched my payment arrangement with Tmobile to Discover Card on XX/XX/21 as well as ask how they could bill me for a charge that had not been established as yet? Reminded them I had no arrangement with BOA to pay my bill.On XX/XX/21 I received my bill of {$49.00} from Tmobile due XX/XX/21. I called them to discuss BOA conflict. They removed my BOA credit card and replaced it with my XXXX car to be charged. I was told BOA was acting presumtuosly by charging me for a bill that was not generated yet. On XX/XX/21 I received another email from BOA reminding me that my new bill of {$49.00} for XXXX would be due on XX/XX/21. XXXX is no longer charging my account with my BOA card, they will charge my XXXX XXXX. Why has BOA sent me notice of this bill due on XX/XX/21? I will owe them nothing! Bad business practice.

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 2021-01-25 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: WV

Complaint narrative:
XX/XX/2020 cable box failed. XX/XX/2020 phone service only allowed outgoing calls. Repeated phone calls to address problems were dealt with hang-ups. Asked for technical assistance resulted in hang-ups. Ask to remove services, denied, could only upgrade or purchase pay-for-view. Ask to speak to supervisor or manager ended abruptly with hang-up. Asked to cancel all my services, no one had the authority to do so and ended with hang-up. Was told I could cancel services through website, that was incorrect. Website said would have to talk with customer representative and gave a phone number to call. That always ended with a quick hang-up. I had a months credit paid and no way to cancel service or fix services. They used up credit and continue to charge for services I didn't receive. Now they want defective cable box so I can't prove that I was without tv services but I have refused to return till issues are resolved. A registered letter with self return signature requested explaining problems and request to be reimbursed for the {$150.00} credit now has resulted in a collection agency threatening legal action unless debt of $ XXXX is paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 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: IL

Complaint narrative:
FDCPA SECTION 807 VIOLATION FALSELY 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 2021-01-25 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: NC

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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