vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I really need help. My bank XXXX Bank of America ) isn't helping me. This dispute is about a number of companies- most of whom I personally reached out to. 

A business ( XXXX XXXX ) charged me {$400.00} hours and refused to refund it, though we did NO business. BOA didn't even being speaking to their bank until XX/XX/XXXX ; I reported it to them earlier than this. Its has been going on for almost a month ( 27 days in fact. ) Another business called XXXX or XXXX charged me {$170.00} + {$5.00} ( an international fee ) and refused to refund it. Again, we did NO business. That charge went through on XX/XX/XXXX and has not been refunded. XXXX agreed after I continued to demand a refund on every platform possible ( which I have also done with BOA and XXXX XXXX ) However, when I spoke to BOA they suggested I not remove the request. Why couldn't they then take the evidence I have when approaching the bank to retrieve my funds? BOA is not INTERESTED in retrieving my funds. 

Finally, on XX/XX/XXXX a company ( or two ) charged me for services I did not ask for. Immediately BOA contacts me with a fraud alert ( on that very day ) and I confirm that it is fraud. They change my cards, BUT STILL LET THE CHARGES THROUGH. And now, I am in a potentially 90 day mess of a process with BOA and all of these businesses that have defrauded me. What is the purpose of a bank if they are not protecting me? 

I contacted BOA about everything. I have contacted these businesses. NO ONE IS PROTECTING ME. And all parties involved are requiring me to continue to engage in a daily process of trying to retrieve my own funds and rectify legal violations of my rights. My mental health is declining because of this. 

I have been really diligent in trying to resolve this and at this point, I have no clue what to do : I have even contacted the XXXX no one responded to them. So, what about me? Am I not a human? 

However, I contacted the company and recorded the entire interaction. They agreed to a refund and have been unreachable since. I have attached the evidence. 

Please let me know if there is anything you can do to help me?

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a XXXX loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain credit.

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 2022-03-30 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: AR

Complaint narrative:
I am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.

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 2022-03-30 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Finance Company, Inc.
State: IL

Complaint narrative:
They too are contacting my grandmother constantly and Wont stop. She tells them I dont live there and they still wake this elder XXXX old woman up every morning. Its been almost XXXX. Can you please help me in stopping them and removing this from my report. Its getting crazy how many times a day they call

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MI

Complaint narrative:
I requested a complete accounting of my loans on XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... XX/XX/XXXX and XX/XX/XXXX. 

To date XXXX ( now aidvantage ) has either : 1 ) never sent me any documents I requested, or 2 ) sent me inaccurate documents, which typically result in one loan instead of them all. 

Additionally, each of these calls I was provided conflicting answers as to the status and payment plan for my loan. I was told that I am either : 1 ) not on an XXXX plan, or 2 ) I'm on a XXXX plan, or 3 ) I'm on a XXXX plan but it is inactive, or 4 ) I'm on 10 years standard plan Despite over 12 hours of phone time which is documented on my end with great detail, I am still unable to obtain timely or accurate information related to my loans. Specifically, it is not clear at all to me what payment plan I am on and how the payment amount is calculated. 

I am considering a lawsuit. I am also going to file with the FTC for privacy consent violations related to automated dialing, non-consentual recording of conversations, and other privacy violations. 

I would appreciate someone at aidvantage to expedite my request for a complete and accurate accounting of my loans to be sent certified mail so we can all track when and where it goes ( they claim these have been sent but they were never received - I have not moved either ). 

I would also appreciate it aidvantage can actually tell me what plan I was on, when I was notified of the switch ( by providing the he correspondence they sent me ) and how that payment is calculated under the terms of the plan I am ( for which I am not clear... Still ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Asset Management Systems Inc
State: NJ

Complaint narrative:
In XXXX I got a letter from FAMS Collection Agency stating that i owe an hospital bill for the year of 2013, that year my state tax refund was taken by FAMS {$290.00}. I mailed a copy of my insurance card once I revived the letter. My hospital bill was paid in XX/XX/XXXX by my health insurance. When i filed my XXXX taxes in XXXX FAMS put another hold on my taxes stating that i owe a debt which is incorrect. I had to resubmit the documents again via email to them and my funds was released in XX/XX/XXXX. I am going through the same thing this year for my XXXX taxes that was filed in XXXX, they keep sending letters to New Jersey XXXX XXXX stating i owe a debt when the debt was cleared 2 years ago. At this point is is fraud because if i would not send the email every year they would have kept my funds. Also it take almost half a year for me to receive the funds that they should not have been holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I purchased tickets using my credit card for a concert on XX/XX/2021 at the cost of {XXXX}. I contacted my credit card company because the company that sold me the tickets has been known for fraud. The ticket company actually told me to contact a third party company about my tickets. The 3rd party told me they have no record of this transaction. 
I filed a charge dispute with my credit card company but was told since it was after 90 days that they can not help me. I have had this credit card from Barclay card for almost 20 years. They told me I have to call the original company XXXX. I call them get a voicemail because their numbers are blocked by my cell company. I have added their number but the number comes from a different one every time. I looked up this company also and they have multiple recent complaints about fraud.

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 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I went to settlement in XX/XX/XXXX. Prior to the first mortgage payment becoming due I was notified HUD was transferring the loan., There was no ESCROW analysis done by the mortgage company until XX/XX/XXXX. In XX/XX/XXXX, I received notice that the monthly payment was going up $ XXXX ( rounded ). I noted that the Real Estate Attorney transferred $ XXXX ( rounded ) at the time of settlement. Each month, the Lender/mortgage Company -- Nationstar Mort LLC DBA Mr. Cooper also sent statements saying he was collecting an amount over and above the $ XXXX he received. When I received the ESCROW analysis, I began to ask questions on how he calculated the increase. I think it significant I think since it did NOT include Hazard insurance or any other expenses except, principal interest and taxes. I began asking questions on how the new amount was calculated. They said they would respond in 7 days, then 10 days and now 30 days. I researched and can not determine how much I paid in taxes ; how much was reported to the IRS was different than what I thought I should owe. The Seller did NOT appear to pay their share if they did, it appears they Mr. Cooper over collected and potentially over reported my portion to the IRS. Several days ago I received notice Mr. Cooper is transferring the mortage/loan to another party - SLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquiries/ Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In according to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

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 consent.

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 2022-03-30 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
XXXX  pulled my credit report without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX pulled my credit report without authorization

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 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC
State: FL

Complaint narrative:
I am refinancing my primary residence in Florida. On XX/XX/XXXX my loan officer submitted a lock extension request for 5 days at a cost of {$2200.00} ( .375 % ) because my lock expired on XX/XX/XXXX and we weren't going to make it with the 3 day rescission period. The loan was cleared to close on XX/XX/XXXX. I printed and wet signed the attached documents. We are now on Wednesday XX/XX/XXXX and I have still not received the closing disclosure and the bank is asking me to pay an additional extension fee of 1.125 % ( {$6600.00} ). The account executive at Acra lending has been telling my loan officer that this will be handled but time keeps going by and nothing is being done. The company is clearly deploying bullying tactics and delaying the process by saying they are short-staffed as if that is customers ' problem to pass on their inefficiency cost to the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
I was informed by a family member that HRRG contacted them about a medical debt incurred by my son. According to them, they called for over a month and would leave messages. I did not live there and had not for over 2 years. The phone they called was not my phone number and had not been my phone for over 2 years. The date of service was for XX/XX/21, so 8 months ago. The company HRRG - Health Revenue Recovery Group, LLC contacted another person, not a relative, and divulged what it was for ( XXXX XXXX XXXX ), and said that they were going to sue them. The person they called went ahead and paid it, and then told me they had waited for a receipt in the mail to give to me. They told me that the person they spoke with at HRRG was a woman and he said I no longer lived there and asked if they contacted me at my home address. The collection agent then threatened to sue him and then divulged that it was for my son, for emergency room visit, the date, the hospital and other identifying information. 

I believe this is WRONG. At no time was any attempt made to contact me, to call me or by writing. I feel my personal privacy rights were violated. My information was properly given and the time of service. The Hospital had all of this and chose not to update their records and then turn it over to collections, despite the fact every other bill had been paid. Secondly, this emergency room visit was due to the fact my son was injured, at school and on school property during school hours. The entirety of his bill was guaranteed to be paid through the state insurance system. There was no reason for this to happen.

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 2022-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime Financial, LLC completely restricted access to my bank account due to suspicious or fraudulent activity. 

Over the last three days, I have been on the phone four separate times. I have verbally verified all of my personal information on every recorded phone call, I have emailed them pictures of my drivers license, SSC, and a W2 all as requested. I have done all of the above many times, they repetitively ask me to verify the same information. 

They are now requesting me to send them a selfie, and are refusing access to my bank account until I email a selfie to their support team. Ive discovered multiple multiple lawsuits and court cases out against this institution for the same reason, among many others such as fraud, breach of contract, and many more. 

In their privacy policy, they specify that they only request name, email, phone, address, and social to verify a person. It is not stated that they ask for pictures of any documents, let alone a selfie of the individual. This has to be breach of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GVA Holdings, LLC
State: AL

Complaint narrative:
Starting receiving calls from out of the blue from this company, XXXX XXXX XXXX, from a guy named XXXX XXXX in XX/XX/XXXX, regarding a payday loan that was supposedly taken out in the amount of {$300.00}, from Riverbend Cash in XXXX, which is now out of business. I asked for written proof of this debt and was sent an email from a XXXX XXXX through XXXX sign, stating that the loan was sold to several different companies, none of which appear to be real companies as I did searches to locate. They want me to sign this. The only way I could get anything in writing was to tell them I would possibly pay them if I got proof. This company also does not appear to be a legitimate company and I have found many spam alerts regarding them. They have threatened to take me to court for fraud and told me I would be charged with a felony. They have called family members harassing them as well. I have told them to take me to court if they feel that it is necessary and to stop calling. Still receiving calls from them, but now from a blocked number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: PNC Bank N.A.
State: TX

Complaint narrative:
I have a mortgage that was with BBVA. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because BBVA is reporting that I was 30 days late in XXXXXXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX 's payment on the XXXX of XX/XX/2020 and on the XXXX of XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BCO Consulting Services
State: IL

Complaint narrative:
This company BCO CONSULTING SERVICES provided me with information for forgiving my student loan. I set up for them take money out of my account to pay the loan. I was told by XXXX that this is a third party company and it was not a good ideal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Settle It Inc.
State: OR

Complaint narrative:
Settle It, Inc lawsuit mounted by CFPB. I am a victim of this companys fraudulent telemarketing and subsequent loan with their affiliate XXXX XXXX. In early XXXX, they intercepted a phone call I made to XXXX XXXX XXXX stating Lets fix your credit and if I adhered to their program, in XXXX months, they would pay off all my creditors and improve my credit. By the time I received a loan arranged by them with XXXX XXXX, it was approximately a year later and I was paying them now $ XXXX. The loan with XXXX XXXX was for {$9600.00} and my payments were $ XXXX. I have been paying them since XX/XX/XXXX. The interest rate is 24 % and compounded daily on the outstanding balance. So far I have paid them {$11000.00} and the loan doesnt mature until XX/XX/XXXX and so I will have paid them thousands more. I talked with XXXX XXXX re why was my loan with them and they just said you signed an agreement. I felt helpless. What is so outrageous, however, is my credit is destroyed. All the credit cards that were in the program just say CO meaning charged off with 0 balances due to nonpayment. This is very negative. There was no information that these accounts were apart of a debt settlement program. Settle It took my money and fraudulently assured me their program would improve my credit in the long run. I am devastated because credit is so important. I am so ashamed and this has affected the quality of my life. Im fearful of being duped and no longer trust anyone. I know I should have been more informed. What a terrible lesson. I might as well be in jail myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: GA

Complaint narrative:
Inquiries/ Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In according to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

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 consent.

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