vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
On or about XX/XX/2022, I received a debt collection letter dated XX/XX/2022 from " COLLECTION BUREAU OF THE HUDSON VALLEY , INC. On XX/XX/2022 I responded to their debt collection letter disputing the debt and to validate the debt according the FDCPA provisions. I mailed the letter via USPS paid postage and have a copy of the USPS stamped paid postage. 'COLLECTION BUREAU OF THE HUDSON VALLEY XXXX hereinafter " CBHV '' never responded to my letter therefore is in violation of the Fair Debt Collection Practices Act and the FTC XXXX 
I am filing this complaint because they have violated my rights and have damaged my credit rating by falsely reporting a debt collection on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Synovus Bank

Complaint narrative:
Sent a international wire transfer for XXXX USD changed to XXXX XXXX  from Synovus bank, XXXX XXXX XXXX XXXX XXXX XXXX, Fl branch on XX/XX/2022, told usual delivery in 24-48 hours, delivery date XX/XX/2022, to my bank account at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX branch XXXX Monies were never received by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Multiple phone calls to Synovus brought no resolution, I was told by the international transfer department that we sent the money, there is nothing else we can do. 
Tracking brought no answer, I called the intermediary bank XXXX XXXX XXXX and was told they could tell me nothing since I was not a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noted an unauthorized inquiry on my credit profile. Transunion has failed to remove the unauthorized Fraudulent inquiry. This inquiry should be removed immediately because it was not authorized by myself.

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 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: OH

Complaint narrative:
Moved from XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX would not cancel internet in advance and account would remain open until equipment was returned and processed. There was NO LOCATION to return equipment in person ( ALL were closed ) ; there were NO SHIPPING MATERIALS received to mail. We incurred a debt past service, past the date we MOVED from the location. Was not our debt since we tried to cancel in advance. 
The debt is for {$240.00}. 
In XXXX of XXXX, our Mortgage Company contacted us with financial improvement and suggested we pay a Credit Control Corporation ( CCC ) debt on my Credit Report for XXXX XXXX. They asked that we provide a LETTER OF DELETION from the Credit Bureaus/Credit Report AFTER the payment was made. 
Credit Control Corporation, on XX/XX/XXXX, said they do NOT own the debt, they do NOT provide Letters of Deletion to consumers, but could provide a receipt, showing confirmation of amount of Payment TO CCC ( Not Frontier ). They could also send a letter via USPS ( snail mail ) reflecting Payment in Full. I was uncomfortable paying a collection agency who doesn't actually OWN this debt. 
I then called XXXX XXXX. They were willing to accept payment but verbalized ( on XX/XX/XXXX ) that they would NOT clear it from the Credit Bureaus and it would remain for 7 years from XX/XX/XXXX. 
I would like this collection removed from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I was a victim of Identity theft. My bank account has been Hacked online banking. My money was stoled out of my bank account from TCF bank in XXXX and XX/XX/XXXX, The Huntington National Bank took over TCF bank. {$120000.00} was wire taken out of my savings and checking account. 
Dates shown the money internet wire stoled are : {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$25000.00} from XXXX XX/XX/XXXX {$8400.00} from XXXX XXXX XXXX XX/XX/XXXX {$16000.00} from XXXX XX/XX/XXXX Two Forgery Checks cashed sent to me : check no. XXXX XX/XX/XXXX {$7300.00} check no. XXXX XX/XX/XXXX {$4500.00} I have Never made any of these transactions listed here that The Huntington National Bank said that i did. I have signed a sworn Identity Theft Affidavit given to The Huntington National Bank, stating all facts true full!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have a vehicle loan with XXXX XXXX for account # XXXX. On XX/XX/2022 my vehicle was repossessed incorrectly. They were claiming that I had not made a payment for 66 days and my account was past due. I told them that was inccorect and provide all my conformation # 's for my payments that were made. They checked their system and saw that I was correct and said they would bring my vehicle back and unwide the repo from my credit and any fee 's due to this mistake was going to be removed.. On XX/XX/XXXX they sent me a letter stating that due to my lack of payment on the account they were going to be selling my vehicle on XX/XX/2022 on or around XXXX XXXX I called and they explained that the letter generated " Before '' they could unwind the repo because they are busy and it takes days to complete something like that. I asked them to guarentee me that my vehicle would not be picked up again and that this was coming off of my record and they said yes. Now here we are on XX/XX/2022 and I received an email stating that I owe {$1500.00} and that out of that amount supposedly some of it is fee 's from the repo. The amount and the fee 's are both totally incorrect and I am in fear that they will repo my vehicle again incorrectly. I need all the fee 's they are claiming incorrectly off of my account, the repo unwinded and for me to stop getting incorrect emails. All this is causing so much stress on me. I am constantly having to call them when I get stuff like this which resolves nothing because I can't ever speak to a manager and all the " Customer Service reps '' are always extremely rude.

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 2022-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Cumulus Funding LLC
State: CA

Complaint narrative:
Several issues have been identified on the data hosted at " XXXX XXXX', which is a domain leased from XXXX. 

XX/XX/22 - emailed XXXX in regards to XXXX errors, page errors, security threats on portal.hello.align.com, found a file in the page sources w names of individuals ( attached to this CFPB claim ) XX/XX/22 - emailed XXXX in following identification of potential security threats hosted on XXXX may follow up : XXXX given address from customer service/3rd party representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX  Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX 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.

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested that incorrect addresses be removed from my credit report because it has made my profile susceptible to identity theft and fraud, however, the reporting bureaus continue to refuse to remove addresses for which I have no access to that are not my current address. Due to the bureaus unlawful refusal to comply with the law, I am now having to pay legal fees to fight identity theft with persons who continue to acquire my personal information illegally through incorrect addresses that have been directed be removed from my credit file permanently. I am requesting that the CFPB mandate that the credit bureaus delete all addresses that are not current IAW 16 CFR Part 641 or else file suit based on violation of law.

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 2022-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My separated wife took out a personal loan using my social, I never signed for nor spoke with any agent for this loan, never applied for this loan and never authorized this loan. Now they have blocked both myself and according to her, she is blocked as well. I need the loan disclosures to prove that this is in fact true and they have blocked anyone that can have access to this ; effectively stopping me from my ability to access my own information. Talk about lack of accountability and out right cover up!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: UT

Complaint narrative:
My name is XXXX XXXX ( XXXX name ), the widow of XXXX XXXX XXXX, who XXXX XXXXn the XXXX XXXX XXXX for XXXX years. He passed away on XX/XX/XXXX. Since his death and the world events that have taken place, it has not been easy to make ends meet. Ive been paying back on student loans since XX/XX/XXXX. 

Ive worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX. After that I worked for the XXXX  from XX/XX/XXXX until the end of XX/XX/XXXX and the XXXX  XXXX XXXX XXXX from XX/XX/XXXX until the end of XX/XX/XXXX. In all, this makes XXXX years and XXXX months of working for the XXXX  and well over the 120 payments required for the PSLF program. 

I was overjoyed with the news of extra relief that came with the PSLF program President Biden introduced. However, this joy got curtailed, after I was informed that the years, I worked for the XXXX  XXXX XXXX and paid on student loans before XX/XX/XXXX dont count. Of course, then I would not qualify for the 120 payments. Two years and 8 months working for the XXXX  and student loan repayment have been deemed arbitrary. 

Therefore, my request to make those two years and 8 months count towards the PSLF. They are bonafide. The evidence ( W2 and student loan repayment tax documents ) were submitted to the Department of Education

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
XXXX XXXX University did not properly request funds from the VA after confirming I provided the documentation needed. The VA stated they never received the request, the school pushed it to a debt collector who is harassing me. The school it at fault for not requesting the funds or stating they needed more information from the VA. 

Current Creditor Account Number ( Last 4 ) Balance XXXX XXXX XXXX XXXXXXXX {$3500.00} Consumer Information Williams & Fudge ID Williams & Fudge Pin Amount Due for Account ( s ) Listed XXXX XXXX {$3500.00} XXXX XXXX XXXX ( XXXX ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by PNC Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or PNC Bank to furnish any late payments to my consumer report. It is my belief that due to PNC Bank 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. 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

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than 20 fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i need your help please asap..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My mortgage was recently transferred from XXXX XXXX XXXX to XXXX XXXX. The new mortgage provider does states that my loan payments were not up to date and requesting an extra payment. Unfortunately, despite multiple attempts, I have not been able to resolve the issue with the company. 

Name of Company : XXXX XXXX  Date of transfer of Mortgage : XX/XX/2022 Amount : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # 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

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 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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

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 2022-07-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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

Company response to consumer: Closed with explanation