vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: PA

Complaint narrative:
I have had an issue with AllianceOne collection company. The send me a bill XXXXhatI didn't recognize and that doesn't apply to me at all! 
I called on XX/XX/22 and asked to speak to a manager, after conversation with the representative by name XXXX XXXX, which was rude and obnoxious - I was told they only have four managers and they were all busy and someone will call me back by end of the week. On XX/XX/22 I received a call- the individual did not give me a name, the first thing I was told was that the conversation would be recorded. She never provided her name, company name she calling from, and spoke to me like I was inconveniencing her- one of the worst customer service experiences. I explained my issue- I had a working XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, but for some reason their transponder or accessories did not successfully withdraw money from my account when I went through a toll. 
The toll was {$16.00} but bill with all fees {$66.00}, ( Two bills one with account number XXXX, for {$66.00}, and the second one with account number XXXX with same amount {$66.00} ) she told me she would give me a {$20.00} discount and I would need to pay {$46.00} due to administrative fees. 
I told her I have proof that I had a working XXXX account and I can provide a copy of my bill that I had a working XXXX. Plus, before that, I contacted many times with The XXXX XXXX XXXX XXXX XXXX XXXX, and several times answered all letters from them and filled out special forms with dispute about my payments, but these agencies did not answer me anything to my disputes and transferred information to the collection service AllianceOne. 
She did not pay any attention to any of my arguments and continued to squeeze money out of me that I should not pay in a very rude manner. 
I asked, why I should pay money or some kind of fine due to the fact that the equipment of the XXXX company can not withdraw money from my transport, or have technical problems that day?! 
Representative of the collection service " AllianceOne '' told me that if the case got to them, then I am obliged to pay and not accept any arguments... 
It's just extortion of money from customers! 
Unfortunately, in our country and the protected pandemic, many citizens have problems paying for travel through XXXX, and some of our fellow citizens do not have XXXX accounts at all, and if companies like AllianceOne allow themselves at this difficult time, it is not legal to extort money from our fellow citizens enrich themselves at their expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX payments for exactly same amount were drawn on Bank of America XXXX and paid to Bank of America VISA credit card XXXX XX/XX/XXXX, called Bank of America to report duplicate payment, and was advised a claim was opened to reverse the duplicate payment After waiting a few weeks, expecting prompt resolution, funds have still not been returned to my XXXX  On XX/XX/XXXX, upon checking through online banking for dispute status, I had no notifications and online chat stated no open dispute and no history of dispute within past 120 days. Upon calling Bank of America, I was transferred multiple times and misdirected by multiple agents, and was ultimately transferred back to the main customer service line, on hold waiting for an agent for 35 minutes, after which call was picked up and I was placed on mute for about 7 minutes with no agent answering and then the call was disconnected by the bank. I called back through online banking customer support, and the agent assisted in connecting me to Claims. Claims agent confirmed dispute that I originated on XXXX XXXX and stated that the claim was in review status, and they had up to two billing cycles to resolve. Upon challenging the agent that it sounds like they are handling as a credit card dispute vs. a Reg E payment dispute, she refused to escalate to a manager or to have a manager call me back. I advised her that this was being mishandled and that I was asserting and. executive complaint and reporting to CFPB, after which she either placed my call on mute or just discontinued responding to me or acknowledging me. After about 10 minutes this last call was also disconnected by the bank. 

After 2 1/2 hours trying to resolve, no resolution, no notification through my online banking account, no e-mail response and no escalation callback.

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 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
Debt is not owed. Credit management continues to call to collect despite requests to cease calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group
State: CA

Complaint narrative:
On XX/XX/2022 Foster and Monroe LLC placed this collection on my credit file, after some research this is what I've come up with.. 

XXXX XXXX XXXX XXXX. 
owing XXXX  was placed on my credit file report, I then called XXXX XXXX XXXX XXXX. and she directed me to the company XXXX XXXX XXXX. As of now i am a XXXX service connected veteran on a fixed income. And I did not apply for this account.. 
as apon reading about the companie and then reading about the defrauding to us mostly military families, them victims fund was set up with CFPB,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: GA

Complaint narrative:
Incorrect 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 2022-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. I have no other variations or spellings. 
My address is XXXX XXXX XXXX XXXX, Texas XXXX. I have no other address nor have I ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TX

Complaint narrative:
My name is XXXX XXXX. I have no other variations or spellings. 
My address is XXXX XXXX XXXX XXXX, Texas XXXX. I have no other address nor have I ever.

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 2022-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect 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 2022-12-23 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: U.S. BANCORP
State: OH

Complaint narrative:
I received a call on XX/XX/22 from someone indicated they were with XXXX and asking if I had made an online purchase on XXXX and used my XXXX XXXX for $ XXXX. They wanted me to confirm that this was correct. I stated that I did not make a purchase and they wanted me to verify my card number which I did not do. I then proceeded to ask them where their office location was and all they would tell me was they were located in XXXX but they could not give direct address for privacy concerns. I was then transferred to another individual who stated they were from US Bank ; I told this individual that I did not own any cards issued by US Bank. He then used some profane words towards me and hung up. I don't need anything resolved from this call but wanted to make sure to report the number and incident. The number I received a call from was 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 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I have been trying to get in contact with this collection agency for a while, never seem to get a response. Most recent letter was sent XX/XX/2022. 
Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I pulled my report and still see the late payment appearing on my XXXX account I was not aware of how it has late payment when I have been always paying on time and this is a violation of my rights as per 15 US Code 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit score an my credit score drop XXXX points now I can't access no credit score due so false information on my credit report my credit score should be on good standard conditions I requested that my credit score should be updated an place back to good standard XXXX why did my credit score drop instead in proving

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a UMB Bank HSA savings account for many years. HSA savings accounts are governed by strict IRS rules and have tax consequences. 

In early XX/XX/2022 I logged into my Fidelity HSA account and requested a Trustee to Trustee transfer that abides by IRS rules from UMB into XXXX. The transfer could have been done for free via XXXX in 3 business days. However, since UMB knows that customers have to abide by IRS rules and must request a Trustee to Trustee transfer, it slaps a {$25.00} fee and out of spite takes 45 days to send over the funds.

1. In this case the fee was not for the transfer but for " Account Closure Fee ''. However, I never requested that the account be closed. I NEVER signed the UMB form that requests the account be closed. UMB took it upon themselves to illegally close the account and illegally charge me the fee out of spite because they lost custody of my balances.

2. UMB claims that their HSA Terms and Conditions allows them to charge the Account Closure Fee. However, on separate days, separate UMB agents ( including one Bree A. ) spent a total of over 70 minutes with customer on hold over the phone looking for such Terms and Conditions or any such policy and sheepishly admitted that they were unable to locate any such policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CT

Complaint narrative:
For the past XXXX XXXX or so, I tried to use the card at my XXXX XXXX XXXX XXXX XXXX 
They declined the card I used many times. 

I called the credit card many times. All I get is hang-ups or say it's not their card.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : DPT ED/XXXX # XXXX, Account name : DPT ED XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have a collection in my credit for the amount of {$1500.00} for XXXX XXXX which I never contracted or ever had XXXX XXXX This debt was reported to collections on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Good Afternoon, Several months ago my federal student loan provider was changed from XXXX to MOHELA, according to related federal action. All had seemingly gone well until XX/XX/2022. At this time I received notice that Mohela had placed a credit limit on my student loan account. Worse yet, they placed a credit limit on my account that was less than the balance, making it appear as I had exceeded my limit. My credit report took an immediate XXXX % hit across several accounts at a time when I was considering buying property. I have contacted them by phone and by email, with no response for several weeks. I would greatly appreciate it if you could look into this, because the credit limit does not make sense with this type of credit, and the obviously low amount reported to the credit agencies is damaging to my credit reputation. Thank you. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Apex Mortgage LLC
State: OH

Complaint narrative:
Good afternoon, I find that my elected mortgage broker, Apex Mortgage is asking for too much information in order to permit closing on a refinance loan. In addition to the normal loan documentation, I have also been asked to provide XXXX months of bank statements, and allow for the deed to be transferred into my personal name from a business name before closing could be completed. Both of these conditions, I find to be uniquely, unusual and very specific requests that are delaying the process. While I have no definitive proof of discrimination, I believe there are ulterior motives than to determine my credit worthiness for this loan. A simple loan declination letter with valid justification would have sufficed. I appreciate your consideration of this complaint and please fee free to request additional details as necessary. 


Thank you, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank Of America closed XXXX checking and XXXX savings account because there had been fraudulent activity on XXXX of the checking accounts. I received a letter XX/XX/2021 saying that a check for the balance in each account would be sent to the address on file. Repeated calls by me and a visit to each of XXXX bank managers disclosed that the checks were written and being held by " XXXX '' : an investigator in Texas. I was told they would notify me as soon as the investigation was complete. Finally, in XXXX of this year the manager of the closest bank to me said that because it was a " third party deposit '' that had caused the fraud, they would hold up the checks as much as " XXXX years ''.

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 2022-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
Mohela is incorrect with their calculations of of XXXX qualifying payments. Before the pandemic payments from XXXX we're certified by XXXX XXXX and was previously included in my qualifying payments count. Mohela do not have these months included in there XXXX qualifying payment count. In addition periods from XXXX has not been added. I was advised by a representative from Mohela, that I would need to submit a reconsideration to studentaid.gov to have periods for Americorps to be counted. I do not understand why a second reconsideration needs to be submitted when studentaid already approved those payments when my account was with XXXX XXXX. Mohela continue to send duplicate letters acknowledging the XXXX qualifying payments, but again the agency is not addressing the periods that I repeatedly outline. I know the pandemic qualifying payments have not been added to my calculation, but my issue is regarding my prior qualifying payments. Why would XXXX qualifying payments not match Mohela 's. There is a complete disconnect. And I have submitted a copy of my XXXX XXXX notice several times as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I didnt authorize anyone to share my personal medical information. This is against the HIPPA law.

Company response to consumer: Closed with explanation