vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TN

Complaint narrative:
I utilize a high yield online savings account with XXXXXXXX XXXX XXXX XXXXXXXX, Texas ( division of Texas Capital Bank, N.A. ). I've been blocked from accessing funds in my account for several days without explanation. 

First, I attempted to transfer funds electronically from XXXX to a linked XXXX XXXX account in my name, and noticed the request was placed 'on hold ' for an unspecified reason. 

Next, I attempted to log onto my XXXX account and received an error message that my account was disabled. 

After repeated calls to the company ( which involve 40 minute wait times to speak to a representative ) I was told that the fraud team was reviewing my account for unspecified reasons and had frozen it to prevent unauthorized transactions. Pressing for more specifics, I was told by customer support that they don't know the reason. 

Asking to speak to a supervisor to obtain the specific reason that fraud is suspected, and a justification for my account being frozen, I was told they were unavailable and must wait for a callback. 

I have still not received a single communication from XXXX to explain why my account has been disabled. The value of this account is approximately {$240000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2019, I initiated a reservation to stay at XXXX XXXX. Within minutes, I cancelled and received confirmation that the cancellation was approved. I assumed that the charge was removed but never confirmed. I was on auto pay, so regretfully, I did not always check my balance. When I checked my account, I noticed that I was double billed and not credited so I reached out to Discover as I assumed this was an easy fix. I was given a temporary credit but then rebilled. This process of disputing to receive a temporary credit and then rebilled has occurred at least XXXX times over the past XXXX years. Each time, I am transferred from department to department with no permanent resolution. In addition, I've provided copies of the email cancellation notification by uploading to my account as well as by mail. I even say the documents when I uploaded them but now they are no longer visible and all representatives are saying they are not there. I have been billed twice for {$530.00} when I should not have been. I did not stay at XXXX XXXX and the reservations were cancelled. 
Discover continues to transfer me from XXXX department to the other and will not escalate to a decision maker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
My mortgage company Union Pacific Mortgage closed their doors abruptly. They turned over payment history to XXXX. I paid Union Pacific Mortgage through their company all the way to XXXX. Then started making payments to Mr. Cooper/ Nation Star in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, Nation Star reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX XXXX XXXXXXXX. I haven't been with this company since before the pandemic started in XXXX 

On top of that, Mr.Cooper/Nation Star is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NC

Complaint narrative:
I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I wrote a dispute letter, waited 30 days and no respond. Then I wrote a letter asking for validation and no response also I sent in two forms of ID as well as as proof of address. 

Letter that was sent : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Ga XXXX COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. I noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong, I'm just saying that Im not XXXX percent sure if they are. I also read the Fair Credit Reporting Act, which said that by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this. Could you please send it to me? Also, please let me know who had access to my files as well. I want the investigation outcome to be sent to the address I put on the form area. 

Thank you for your time and help in this matter. 


Sincerely, 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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
As a XXXX year American Express customer, I was recently dismayed at an attempt by your company to charge me almost {$600.00} in interest fees on my personal American Express card. I sent full payment for my XXXX statement on XX/XX/2022, and it arrived, on time, at American Express on XX/XX/2022, which was the due date for the payment. American Express sat on my funds and didnt process the funds until the XXXX and charged me ~ {$600.00} interest. I called today and was only offered a {$100.00} credit ( after remaining on the line for almost an hour ). 
When I made the payment on the XXXX, I immediately called American Express and spoke to an Agent who told me that I would not be charged any fees and made a note on my account. 
XXXX XXXX XXXX ( the bank I used to send the payment ) certified for me that American Express had the money on the XXXX of XXXX. 
Please note that as the AMEX customer representative told me, in 25 years as a customer, I have never asked for a credit for interest on my account. This is extremely disappointing behavior on American Express part. 
I ask for a full refund for the interest charged to my account ( ~ {$500.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This Account reflects a Highly Inaccurate Amount owed.

Ive requested Verification of Debt on multiple occasions.

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 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I would like to report the consistent wrong date entries for payment receipts and misleading multiple false entries of late fees on my account by Specialized Loan Servicing ( SLS ). 

My account on SLS account shows the last payment received on XX/XX/XXXX. My bank statement ( attached ) proves the money was deducted from my bank on XX/XX/XXXX and attached SLS document shows the money was transferred to SLS on XX/XX/XXXX. 

There should be no more transactions after XX/XX/XXXX and there should not be any late fees of {$15.00} or {$130.00} as it shows on my account. 
( See attached documents, '' SLSacknowledgementOfReceipt '' there are 20 transaction entries by SLS, and the SLS representative is confused acknowledging what is the status of money I sent from my bank to SLS on XX/XX/XXXX ) I called on XX/XX/XXXX and was told my XXXX payment was XXXX. Checking online, it showed {$2700.00} and an additional amount of {$200.00} as late payment. 
I sent a check ( USPS-return receipt ) for the total amount of {$2900.00}. ( to ask about the {$200.00} late fee later ). 
3 days later I called SLS to confirm the receipt of the check and I was told I sent the check to the wrong address, to SLS document center address, and it would not be posted on-time, or will be sent back to me. 
I was told to send the check directly from my bank account, and stop the other check, just to be sure there would not be a double mortgage amount posting for XX/XX/XXXX. 
I did exactly that. I stopped the check and sent money as it showed on the SLS website, in two different amount. One was for {$200.00} and the other was for {$2700.00}.

Today I found various wrong posting on my account with various {$15.00} and a {$130.00} late fee, where there should not be any late fee. The mortgage cleared my bank account on XX/XX/XXXX for XX/XX/XXXX period.

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 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I keep getting fraud calls, but today, a company listed as NCB MGT Srv INC on my caller ID called 2 times. Please see attached screenshots of the calls. I asked this person what the call was about and the female refused to answer what services they provide, refused to tell me her name, & refused to provide a web address, and asked to put me on hold, so I hung up. I XXXX searched NCB MGT Srv INC and found a web address as XXXX XXXX XXXX & called customer service # XXXX & spoke with XXXX on a recorded line as it is introduced as being a recorded line. I asked if she had my phone number in her files & what the company was about, I provided my current phone # and was advised I have no files that pulled up. Advised XXXX I would file a consumer complaint, as I received calls that introduces their company name. Please see attached photos of the phone numbers of the companies. Not sure if the caller from # XXXX is impersonating a lawyer, etc as this person did not want to identify herself. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
XX/XX/XXXX, I receive letter from Gurstel Law Firm indicating I have a judgment from XXXX XXXX, XXXX. I've never heard of either company. Owing {$21000.00} + {$7000.00} in interest, as of XX/XX/XXXX. I called several times to be finally told that this was a collection from XXXX. No other information was provided, not when the account was opened or closed. Whether there were previous attempts to contact me or collect this debt, previous addresses, phone numbers for these attempts, nor when the law firm actually received this claim and what documents supported their action to contact me. The information they have is incorrect. They use a name ; I have never used in a public forum. The date of the debt is incorrect. The fact that I have done business with them is correct. The law firm says this is a co-debt, but I was not given this information. I filed bankruptcy over 20 years ago ( XXXX ) with my husband. This letter states since XXXX. These last 20 years after filing have been difficult to establish any credit or loans of any kind. I couldn't even get a bank account. I've been in a homeless shelter the last 4 years. I literally have a credit history of 2 years as of today. I only have a cell phone, a car, and I just got into an apartment in my name after not being qualified after ALL these years. This firm was rude and a little scary. To think I could lose everything again, just by getting my paycheck garnished or having to fight in court after just getting everything back on track. This is threatening and unethical for a business to actively deny me information I need to try to defend myself on a debt they insist on collecting that does not belong to me. Again, here are the companies : XXXX, Gurstel Law Firm and XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NC

Complaint narrative:
I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-26 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: NC

Complaint narrative:
I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I began talking with my loan company in XXXXXXXX XXXX XXXX regarding my issues making payments. I can not afford XXXX XXXX monthly payments. I told the dealership this and they stated Bridgecrest would be able to work with me on changing my monthly payments and the amount. On XXXX  XX/XX/XXXX I spoke to a representative that was supposed to help me adjust my payments or at least see if it was a possibility. I waited over a week for a response and got nothing. I called again on XX/XX/XXXX and Im being told theres nothing they can do to help. Ive expressed countless times that I am not able to pay XXXX XXXX monthly for the vehicle and theyre refusing to help. Not only that but I was also told for the first time that my car was potentially going to get repossessed because I didnt make a full payment. When I called in XXXX I was told as long as I made a payment of some kind I would be in the clear. Yes Id be behind technically but Im still making payments towards my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MI

Complaint narrative:
Bank of America been a customer for 15 years. On XX/XX/2022 I took XXXX XXXX  all hundreds to the bank to deposit. I used the ATM you can deposit up to 75 bills at a time. First deposit was {$4400.00} no problem second deposit was for {$7500.00} machine stops working and spits out receipt that reads second deposit credits me {$3700.00} a difference of {$3800.00} ... We apologize for the inconvenience. we created an issue record that will be attached to your transaction. Please retain your receipt until you have spoken with an Electronic claims associate. they can be contacted at phone # to resolve the issue. I call no problem sir they put the {$3800.00} in my account within 48 hours it took 96 hours but everything was correct so I was fine. Then on XX/XX/2022 I get a letter stating they only found {$800.00} of my {$3800.00} and that they would be taking {$3000.00} from my account on XX/XX/XXXX and the case is closed! So I closed all my accounts asap and moved to the credit union. On XX/XX/XXXX I got a letter that I owe {$3000.00} and my accounts are all closed. I know for a fact I had XXXX XXXX  and came home with {$8100.00} so I deposited {$11000.00}. Bust out the cameras and see me in court!

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 2022-08-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Three checks were deposited into my Bank of America account total of XXXX then my account ended up being negative XXXX dollars I closed my account in 2020 tried to open a checking account at a credit union but cant because of my Bank of America experience

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 2022-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo bank is not paying my taxes or insurance from my escrow account. I have called to try and get them to pay my taxes and they say it will be paid but it is past the due date. I have had to pay may taxes and insurance myself because they give me the run around every time I call. 

I have paid the taxes and insurance payments since my account was sold to Wells Fargo.

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