vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Received phone call over the past few days, last one received from XXXX. Previous phone numbers were XXXX and XXXX. 

Caller with a foreign accent claimed that they were calling with Bank of America for an unpaid bill of {$890.00} USD that was about to go toward their credit bureau. They had the last four digits of my social security number, full name and cell phone number. 

I notified the caller that this is a business line, but she stuck to a script repeating the same suggestion to be transferred to the credit bureau. The line was transferred directly to XXXX and a man with a foreign accent attempted to verify my information again. At this point I hung up. 

The caller ringed me again and my daughter took over the call stating that my Bank of America correspondence settings are strictly through bank 's website via encrypted messages and/or email. There are no telephone call settings whatsoever with Bank of America. She proceeded again with the script and my daughter interrupted her to add my number to the Do Not Call List and do not call again. We will call Bank of America and XXXX directly. We asked for her contact information to report it. 

Note : we can not add our number to the Do Not Call List as it is an active Business Line. 

Her information is as follows : Name : XXXX XXXX XXXX : XXXX Company : Bank of America Employee ID # : 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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXXXXXX XXXX XXXXXXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, 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 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX, I applied for the SAVE program via StudentAid.gov - per the application, my new loan payment was going to be $ XXXX for 10 years, then the balance forgiven ( I started paying back the loans in XXXX ). The application was submitted directly from StudentAid.gov to Aidvantage ( the servicer ) that same day, and I also printed a copy and physically mailed it to Aidvantage that same day ( as I've had issues with Aidvantage in the past, I was making sure they got a copy ). 

Over a month passes and they state they don't have anything from me regarding SAVE. So I uploaded, direct to their website, my application and supporting documents ( everything they were mailed physical copies of ). 2 weeks go by and they state they got my tax info but not the application ( and yet, when I look at the upload part, it shows the tax info AND the application were both uploaded ). I upload just the application again, and 2 weeks go by and now they say they don't have my income information ( the tax forms, which they claimed to be the only thing they had before ). 

They are showing I owe them {$340.00} as a monthly payment. I've reached out multiple times with no success. I don't have time to wait on the phone for hours, and per others in the same boat, you can call and get info from one rep there, and call back and another rep will give you vastly different into. At this point it seems they are wanting people to pay amounts much higher than they should, and they are going to claim they have no info on why they are wrong. ( a document I got XXXX weeks ago says that my $ XXXX balance - from an original $ XXXX loan that I paid 10 years on - will end up costing me $ XXXX when it is paid in full in XXXX ). 

Why are they trying to collect payments when their own system is completely wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Opened a joint savings & checking accounts on XX/XX/XXXX  then my wife decided she no longer desired joint accounts with M & T since she had her own accounts with another local bank. On XX/XX/XXXX  I opened my own savings and checking accounts with my current debit card now linked to my new M & T accounts-there was {$1900.00} transferred to my new checking account and {$5000.00} to my new savings account on XX/XX/XXXX   or so I thought. On Sunday XX/XX/XXXX  my debit card was declined three times because there where no funds in my new individual checking account. All my monies had been mystery transferred back to both joint accounts. Over the next ten days I had to call at least seven times to get my monies moved back to my new accounts from the joint accounts. I don't know who-what-when but this was ridiculous. I was also in XXXX XXXX on personal business and won up with two blown tires trying to get to nearest M & T branch in XXXX XXXX, PA [ near XXXX XXXX ] and found it to be under a remodeling event with no assistance there. When I got back home between the four accounts I was told I should have kept track of my individual spending when I didn't know what accounts had my money and then M & T takes 3-5 to post charges. Tried to explain this on phone to their customer service rep " XXXX '' she hung up on me.I closed my accounts now I'm being bombarded with late fees on my two accounts. Who at M & T kept moving my money? Could never get an answer

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters off on XX/XX/. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX is not my address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is not my address. 

These are clear violations of my federally protected consumer rights.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was unfairly charged three late fees. 
XX/XX/XXXX, XXXX and XX/XX/XXXX were the billing cycles that I was inaccurately assessed. I was also reported to the credit bureaus that I missed payments or they were late for the same said billing dates.

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 2023-10-04 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.

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 2023-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
The Debt Collectors contacted me by text, saying I owed {$170.00}. I called the medical service referenced in the text ( XXXX XXXX XXXX ) and confirmed my bill was paid. The medical service gave me the portal address and steps needed to pull up proof of payment. 
I did not contact the debt collectors because 1 ) the medical service didn't know why I was being contacted by them, and 2 ) I was afraid if I called them, they would then have further access to my phone and everything in it. 
The phone number of the Debt Collectors shows as XXXX The text said to call XXXX or visit www.dbtsolutions.com/make-a-payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: VA

Complaint narrative:
I participated in the PSLF program from XXXX. I annually updated my employment status and made over 120 qualifying payments during that time. In XX/XX/XXXX, my XXXX account showed that I had qualified for full forgiveness of all my loans. 

However, after the switch to Mohela, the account statement showed that I still owed {$10000.00}. When I queried after this, I was told it was because this part of the balance belonged to my husband ( we consolidated our loans in the XXXX ). My husband has worked for the federal government or the military since XXXX so we submitted PSLF forms that proved his qualifying employment. We submitted the forms using the upload tool on the Mohela website, but Mohela doesnt show any record of receiving them. We also mailed a hard copy with a note with no resulting change on the account as shown on the website. However, even though Mohela supposedly didnt receive the PSLF form, the website now shows that we have made 127 qualifying payments on the remaining mystery balance ( {$10000.00} ). 

During the last 3-4 months, Ive been informed repeatedly that I was required to pay back the balance ( which also changed a couple of times ), and was given three different monthly payment amounts. I have called Mohela multiple times about the issue and been put on hold for no less than two hours each time. Every call resulted in the customer service rep telling me that they are waiting for the federal loan people to approve the discharge and that they will put the account on a forebearance until then. Unfortunately, my account still doesnt show a forebearance and the most recent correspondence from Mohela is that I am still expected to fork out nearly {$1000.00} per month on an {$11000.00} loan that should already be forgiven. In addition to being frustrated that this account has shown that it was qualified for forgiveness for over a year, I am also confused why the monthly payment amount Mohela is demanding is so high for such a small loan balance. 

In short, this loan should have been forgiven over a year ago, but since the transfer to Mohela, my account is a complete disaster. The company has been so... disorganized? Greedy? Crooked? I'm afraid if I make payments on this balance that I will never receive a refund after the loan is finally forgiven ( if its ever forgiven! ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I received notice that my account was closed..XXXX XXXX XXXX at XXXX XXXX. was the last transaction that I made. It was to my spouse for {$100.00}. I tried for two weeks to find out why my account was closed. The only thing that they told me was that I did not follow the terms of service. I asked the person that I was talking to what does that mean. They resused to give me an answer. I called back a few days later and got the same response. Both people taking the call said that they were going to forward this information to a special team to make a decision on my account. I told that that i did not understand and wanted to know why my account was closed. I had it linked to two different banks for which I reseive my Social Security XXXX and My VA XXXX It was eary to move the money where I need to to pay my billls. : What did I do wrong? It does no make sense. But they would not tell me what I was doing wrong. If I did something wrong I would not do it again but nothing was given to me about what I did wrong. I am really put out for this. It is hard to watch your bank accounts because there are so many people out there trying to get into you account. I watch it every day and keep track of everything. The service that I am talking about is CASHAPP. I want to know what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX A.m.r debt collector, working on behalf of our client, XXXX XXXX XXXX XXXX only delivered one time on XX/XX/23, never received the propane delivered on XX/XX/23 there is still a remaining balance of {$830.00} due on the account are for the propane did not delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
It's been two year and half since I've been in contact with XXXX XXXX in XXXX, VA to have the bill send to XXXX, but they never did. When I called XXXX  in XXXX of XXXX, I explained to them that XXXX tried to charged me a bill in the amount of close to {$700.00}, I was told by the XXXX representative that the hospital should have send them the bill 3-4 months aftertreatment, so the hospital ending up sending the bill to me since XXXX decided not to pay for it since it was a year later. I discussed the situation with XXXX, all they were doing is passing me around to different departments and when I tried to speak tp one of the managers finally, she was rude, condescending about the whole situation. I felt that the hospital incompetent billing department should be the one who paid that bill since they did not care to send that bill to XXXX a year later rather than the 3-4 months after treatment. I am asking for XXXX and Credit Control Corporation at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX to remove that debt from my credit since it is their own mistake. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX  - XXXX I NOT AUTHORIZE THESE INQUIRIES 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 non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I just opened a new credit card with Bank of America. I opened the card with a XXXX XXXX  APR for 18 months promotion and made some balance transfers from other cards to better pay off that debt. I carefully budgeted out how much to transfer based on a {$400.00} per month fixed autopayment so that I would not be charged with interest at the end of my promotional period. When I went to set up my autopayment, I was only allowed to set up a minimum payment balance OR paying off the full statement. I called customer service, and they informed me that a couple months ago, Bank of America stopped letting all customers make autopayments at a fixed amount. Fixed monthly payments are standard at all the other financial institutions I work with ( XXXX, XXXX, XXXX XXXX ). It's clearly not a technical problem on their end, as they offered this service so recently that their own description of payment amount options on their website still includes the fixed amount option. 

This appears to be a blatant attempt to charge customers more interest by denying them the ability to pay off more than the minimum amount each month via autopay.

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 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I reached out to MOHELA on XX/XX/2023 to apply for a standard 20 yr repayment plan. I was told my application would take 7-10 business days to process. Two months and several phone calls later ( after very long wait times ) my application is still " in process '' and now the bill that was issued is incorrect. It shouldn't take 2 months to process a standard repayment plan application. MOHELA is paid to service federal student loans and they are not doing their job. I shouldn't have to endure horrible customer service and the other financial consequences, for a loan servicer 's poor planning and preparation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Received phone call over the past few days, last one received from XXXX. Previous phone numbers were XXXX and XXXX. 

Caller with a foreign accent claimed that they were calling with XXXX  XXXX XXXX for an unpaid bill of {$890.00} USD that was about to go toward their credit bureau. They had the last four digits of my social security number, full name and cell phone number. 

I notified the caller that this is a business line, but she stuck to a script repeating the same suggestion to be transferred to the credit bureau. The line was transferred directly to Experian and a man with a foreign accent attempted to verify my information again. At this point I hung up. 

The caller ringed me again and my daughter took over the call stating that my XXXX  XXXX XXXX correspondence settings are strictly through bank 's website via encrypted messages and/or email. There are no telephone call settings whatsoever with XXXX  XXXX XXXX. She proceeded again with the script and my daughter interrupted her to add my number to the Do Not Call List and do not call again. We will call XXXX  XXXX XXXX and Experian directly. We asked for her contact information to report it. 

Note : we can not add our number to the Do Not Call List as it is an active Business Line. 

Her information is as follows : Name : XXXX XXXX XXXX : XXXX Company : XXXX  XXXX XXXX XXXX ID # : 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 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX sent a letter to BSI Financial to remove my escrow and refund my money. They denied this and said my loan had not seasoned for 24 months. Therefore, I requested they just do my escrow analysis now because my insurance in XXXX was {$2200.00} less than last year. Leaving an overage in my escrow account for the insurance also I am paying {$200.00} a month too much now. I called them on XXXX and spoke to XXXX and he said it would be done the end of the month. Then I called XXXX and spoke with XXXX she said it was not done and she could request it. I then spoke to the manager XXXX, he declined to do it at all said I have to wait unit XX/XX/XXXX. This is a crime to keep my money which is an overpayment. I am hoping you can help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: CA

Complaint narrative:
I have not received a bill from my loan servicer, MOHELA, though my account on XXXX says my loans are now in repayment. I am very concerned about defaulting on my loans because of their negligence. I attempted to make a payment through their phone system yesterday, but it told me I currently owe XXXX dollars- I know that is not true. 

I have called them several times over the past month, but it always tells me their wait times are outrageous. Today I called and the system said I would wait 119 minutes. I have to work during normal working hours and I don't have time to wait that long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief