vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I can not access mine and my husbands money in USAA Federal Savings Bank. I have had durable power of attorney since XX/XX//2020. I have faxed every document they have requested to prove who I am, who my husband is, Every time they ask for a new document or take a note they place another 3 day hold on my account. As soon as I am done waiting on the first 3 day period they put another 3 day period. They dont allow you to speak to their fraud department. Not even can the representatives speak to them when needed. They are not allowing me to access our money and my home is going into foreclosure because I can not access my money to pay my mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
First Horizon Mortgage XXXX held my conventional loan until XX/XX/XXXX when I sold the loan and paid off the loan with First Horizon I have called First Horizon several times requesting my IRS Form 1098 for interest. 
On XX/XX/XXXX, I called and spoke to a First Horizon customer service rep and was advised my IRS FORM 1098 was mailed to XXXX XXXX XXXX XXXX, AR. THIS IS NOT MY ADDRESS and has never been my address. I have never been associated in any manner to XXXX, AR. 

I am concerned about fraud or identity theft and requested the customer service rep to please send my 1098 form to my correct address. She said she would.mail on that day. 

After no receipt of the 1098 and several attempts to call after First Horizon again, I reached a customer service rep on XX/XX/XXXX and was advised my 1098 form was not mailed and First Horizon could not change my mailing address I explained my payoff release deed was sent to the correct address in XX/XX/XXXX and could send a copy of the letter. I also inquired on the person or party that changed my address without my knowledge or approval and requested a copy of the authorization. 
I was advised to send an email and send a written letter to change my own address tho some other party already had obviously.- which I did both. 

This should be a red flag under the FACT Act 12 CFR 222.90, which requires the bank to establish an identity theft program and respond appropriately to any red flags which are defined as a pattern, practice, or specific activity that indicates the possible existence of identity theft. 

Could you please assist? I am worried I will be the victim of fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX. XXXX  I was emailed to make my payment to Capital One. The payment is due on the XXXX of the month. I tried the night of the XXXX to make this payment online. Upon trying to log in my account was locked. I contacted Capital One to attempt to make a payment. I was told that I was a Authorized user and not the primary therefore I had to control of the anything. 

On XX/XX/XXXX I was emailed from Capital One informing me that my payment was late. I attempted to make this payment on multiple occasions. I was informed everytime I wasnt the primary user. If Im being contacted to make payments but not allowed to make payments. I have a serious problem with this. 

Fast Forward to todays date. XX/XX/2022. I was emailed by my credit reporting agency that I had a delinquent account on my credit report due to late payment. AFTER multiple attempts to speak with someone to pay my {$25.00} minimum payment. I was finally able to pay what they are say is now {$60.00} dollars on my account. 

I share this account with my husband and we both have been using these cards for a while. I now have paid a late fee and have delinquent remarks on my credit report. I would like for this to be corrected in my credit report. As I am also taking steps to see what I can do to have Capital One correct their mistake. During this entire encounter I was never helped to unlock my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Today, XX/XX/2022, I called the XXXX XXXX XXXX  hotline and asked a representative if they record conversation between their counselours and clients. They confirmed that they do indeed record these conversations. I have a recording of them confirming this. 

On XX/XX/2022 at XXXX XXXX  I made an a phone call to XXXX XXXX XXXX and I spoke with a counselor. The counselor and I discussed what was going on with my Loan Servicing Company Select Portfolio Servicing. Then we proceeded to call SPS. The phone conversation was very long and I still don't understand any of it. I forgot to record this conversation. 

I would like the CFPB to ask the XXXX XXXX XXXX hotline for a copy of this conversation. In this conversation SPS tries to explain why I owe them over {$3000.00} and am facing foreclosure. This is excellent evidence that will support my former complaint with # CFPB XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested and have requested for 5 years, a copy of the permissible permission to access my credit report in XX/XX/2017 to prove the XXXX XXXX XXXX XXXX ( XXXX ) loan was fraudulent. But XXXX and Experian deny and label requests and complaints as duplicate. I understand children will lie to protect themselves but this is ridiculous for grown people to act this way. Is XXXX XXXX who blindly follow their XXXX reading this or is an american with integrity reading this?

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 2022-03-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband and I bank with Chase, but our car loan was with XXXX XXXX. We decided to pay off our car loan but werent sure how to go about it. We contacted XXXX XXXX first but were told we could not pay $ XXXX by phone and that we would first need to increase our credit limit and visit a XXXX branch in person to make a payment abs we could use a debit card to do so. Next, we called Chase and explained that we wanted to make a $ XXXX pmt on our XXXX loan abs asked what we needed to do. Their only helpful suggestion was to increase our credit limit for the day. My husband then went into ya XXXX branch to make the pmt. His banker was a young girl who seemed new and didnt know how to process his large pmt. My husband offered to go to Chase to get a cashiers check and speed up/simplify the process. The banker said she would get her manager to help her. The manager then did over rides and told my husband, let me try this after asking for his debit card. A day or two later, we noticed a non ATM fee of almost {$900.00} charged to our account. Not once were we ever advised of the possibility of a bank fee if we allowed our debit card to be used to process our $ XXXX pmt. We opened complaints with both XXXX and Chase executive depts. XXXX stated the bankers who assisted my husband claimed to have informed him they were processing a cash advance and advised him of possible fees-this is a complete lie. The signature line of his receipt is blank. Nothing was explained, she did over rides on everything and nothing was explained. As for Chase, they said despite failing to disclose or inform us of fees by phone-their bank fee schedule is available online so that protects them from needing to assume responsibility for failing to disclose a fee to us. Please help. We need our {$900.00} back. That was our mortgage payment for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN!! AN IDENTIFICATION OF ME HAS BEEN USED WITHOUT MY PERMISSION TO OPEN SEVERAL ACCOUNTS THAT HAVE DAMAGED MY REPUTATION I DID NOT BENEFIT NOR DID I AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION BANK OF AMERICA RESULT OF FRAUD AND IDENTITY THEFT... I SENT A FTC REPORT and Identity Theft Victims Complaint and Affidavit.. I contacted bank of america recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) XXXX  sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE along with my police report they sent it back to me!!! Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting

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 2022-03-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) toyota motor credit account # XXXX 3 ) XXXX XXXX account # XXXX 4 ) XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) XXXX XXXX XXXX account # XXXX 3 ) XXXX XXXX  account # XXXX 4 ) td bank account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM

Complaint narrative:
My husband and I received an Escrow Account Disclosure Statement from PennyMac dated XX/XX/XXXX with an estimated escrow shortage of {$340.00}. On XX/XX/XXXX, we paid the estimated escrow shortage of {$340.00} into the escrow account and then another {$200.00} on XX/XX/XXXX for a total of {$540.00}, so that the monthly payment would remain at {$1400.00}. Despite our covering the escrow shortage, PennyMac raised the monthly payment to {$1400.00} in XXXX, XXXX. I messaged PennyMac twice around XX/XX/XXXX but did not receive a response. 

On XX/XX/XXXX I spoke to a XXXX at PennyMac. She said that it is PennyMacs policy to require the Minimum Required Balance in the escrow account ( in this case {$400.00} ), which was her justification for the payment being raised. The {$400.00} Minimum Required Balance is still less than the {$540.00} that we paid into the escrow account, so we do not understand why PennyMac raised the monthly payment. 

A reasonable and fair resolution is for the monthly payment to remain at {$1400.00} since we have addressed the escrow shortage. We are unclear why this is an issue with PennyMac when it has not been an issue with any of our previous mortgages. We have requested that PennyMac respond by mail with a plan to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I had put in a loan with request with speedy cash. Later that day I got a call from a gentle man claiming to be from speedy cash telling me my loan had be approved but that he needed my account number routing number and online backing username and password. I have gotten a loan before so him asking for my routing number and account number didnt set off any red flags. But then he asked for my online banking in my sign on n password. That got me thinking but then he proceeds to tell me that they are going to send us XXXX $ and once the money arrives in my account that I am not to spend it but to go to my nearest convenience store like XXXX and purchase cards with that money and send it back to him. Once I get that done I will be sent my full asking amount of the loan. That is when I got really suspicious and red flags started to go off all over. As I continued to speak to him my wife called speedy cash and asked them what there loan approval process was and explained I was on the phone at that moment with a gentleman claiming to be a speedy cash approval officer. She said we dont ever ask u to go buy cards and sent it back we must deposit it into ur account that's a scam report him. But I was too late because he already had gotten all my bank information. I then called my bank n closed that account changed all my banking online information and then went straight to my bank to talk to the bank manager. Fortunately my wife caught the red flags faster then I did and immediately told me to hang up change me password to online and call my bank to freeze my account I was lucky. He called from a Kentucky area code with a XXXX XXXX accent said his name was XXXX called me from the number XXXX XXXX XXXX. While i was at my bank closing my account he called me 3 more times. Probably because he was in the process of trying to ruin my account but I had already frozen the acct change all online banking info and didnt answer his first call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 2022-03-26 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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 explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing Company told me that I owed over {$3000.00} and that I would soon be facing foreclosure even though I was in forbearance and that I had been making my payments. I was very scared. I called XXXX XXXX XXXX  on XX/XX/2022, a conversation which XXXX XXXX XXXX  and partially Select Portfolio Serving recorded. Select Portfolio Servicing tried to explain why I owed so much money etc. I also made a complaint # XXXX. 

Today XX/XX/2022, I called Select Portfolio Servicing and they have completely changed their story. Please listen to their new story which you will find attached. I suddenly only owe {$1200.00} for XXXX and that is only because I was tricked by SPS into ending my forbearance early by SPS ( see complaint # XXXX ). I am not facing foreclosure. Thank goodness except guess what they put me in so much stress. My mother made extra payments to them for no reason and I am very upset that they thought it would be okay to take advantage of anyone like they just tried to. Not to mention to me, a person who is XXXX XXXXXXXX and who was deemed to be too XXXX XXXXXXXX to handle their own check book by the Social Security Administration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Pursuant to employment relocation, I acquired a XXXX 's Membership. For employment reasons I moved from XXXX to XXXX. Once relocated, it was determined, my move relocated me XXXX XXXX from the gym I frequent, and unfortunately to my knowledge, the closest gym to me was XXXX XXXX away from my home. In attempts to resolve this issue, I contacted XXXX 's XXXX Customer Service and was told on several occasions the issue was resolve. I have requested several times for Aldous And Associates to resolve this issue, only to no avail. In addition, I am disputing the amount owed of {$480.00}, as the the original amount of the contract was only {$370.00}. If any additional funds was owed, I was not made privy to that dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to get someone from Equifax to help with the removal of accounts on my credit report. I have called for the last week 3 to 5 times a day. I get hung up on when I ask to speak with a supervisor or they can't get me to a supervisor. I asked to file a complaint I was told I had to go through Equifax to file a complaint on Equifax and they would send it over to their dispute center to investigate. I have been told by and Equifax employee to go through a third party to have the accounts removed and told by Equifax employee they don't remove accounts over 7 years without the approval from the company I am disputing because they can choose to keep it on longer than 7 years. I have disputed the same items on XXXX and XXXX with no problem they take the time to listen to you. Equifax representatives wouldn't even listen to me they just talked over me and tell me no one else could help me they just going to tell you the same thing I am and wouldn't transfer me to speak with a supervisor. I am starting to feel like they are racially profiling. Equifax is not here to help find the truth and don't show any respect towards the consumer. Equifax can see the facts, but still want help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Be advised this is not a refusal to pay, but that the claim is validated. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you XXXX Retail # XXXX. NOT who they have paid for debt as a third party. I am requesting proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices help me with competent evidence that I have any legal obligation to XXXX XXXX. Please validate that this debt belongs to me and please also show me the original contract with XXXX XXXX. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX ), this action might constitute fraud under both federal and state laws.

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