vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a business checking account with bank of America, I noticed some charges described as " Bankcard deposit fees " I asked about it a couple years ago and was told that its a bank fee,, At the end of 2021 I asked again, the fees were getting high and this time I was told by the bank that this was a merchant fee, I informed the bank that my merchant account is with bank of America. the bank also told me that that they did not know who was charging me .. and have no way of finding out. and I would have to contact the fraud department of bank of America, I did and never heard from them since..

The charges occurred for approx 4 years ..The person at the reception area of bank put in a stop request to stop charges and it stopped..

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 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
the company CONVERGENT OUTSOURCING placed me in collection for a debt that I do not have with the company XXXX XXXX, I am currently a client of XXXX XXXX ( I send account statements ) from last of the date they " announce my debit '', and they " CONVERGENT OUTSOURCING '' never contacted me or " XXXX XXXX '' to talk to me about said debt over {$300.00}... I have called them ( CONVERGENT OUTSOURCING ) and also ( XXXX XXXX ) and they do not know how to give me information about this debt that they promote in my credit history, they do not have an account number, they do not give me information no proof about it, I offered to pay them and they can't do it either since they don't have that information either, but they don't remove me from the collection list either..

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Since XX/XX/2021, I have been unable to access my Equifax credit report. When I login to view my report it is completely blank and all fields have a zero, accounts say none are in existence and there is no history to be found. When trying to refinance my mortgage for the past XXXX months banks are unable to approve me for a mortgage loan due to not being able to access a credit report. My credit report shows as not available and Equifax refuses to fix this. I have called and opened a case and the case was closed with the excuse being that I have to pay for a copy of my FICO score. This is not about FICO scores or any type of scoring model but rather my actual credit report disappearing and being deleted by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Every XXXX for the past 3 years the new servicing mortgage company, SPS Select Portfolio Servicing, doubles my mortgage payment owed. The loan was originated by XXXX XXXX Bank. Now they claim I am 3 payments behind. I have sent complaints about this every year to CFPB showing and explaining this. It is illegal and unfair practices. This is also a HARP loan and as such regulated further against discrimination and unfair practices. 

The regular monthly payment is {$730.00} Now they are saying I owe {$2900.00} even though I have made 12 payments every year without fail on this loan. They just keep illegally adding an extra payment every XXXX. I have written to them about this more than once and they ignore me and in fact charge me additional late fees and fines. I must also write XXXX on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MD

Complaint narrative:
Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you for three accounts ASSET CARE LLC Account # XXXX Amount {$180.00}, {$140.00}, {$580.00}. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to you. 
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 provide me with competent evidence that I have any legal obligation to pay you ( Asset Care LLC ). Please validate that this debt belongs to me and please also show me the original contract. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to the validation request 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I am getting messages from Sn Servicing that Im unable to make online payments. When you contact their XXXX number you get no assistance but to leave a message and no one calls you back. I was able to make my payment online to them last month and now Im not able too. For some reason Im being blocked. I am also paying more on my mortgage amount not escrow amount that I originally signed for when my mortgage was done back in 2004. Im also being told I owe payments which were made but prior servicing company isnt reporting those payments at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
On numerous occasions Credit Acceptance has used abusive, false and misleading collections practices, all in an effort to bully me into paying a debt I dont owe. Theyve refused verification of debt acknowledgment 's according to 15 USC 1692g. The process only verifies that Im the original creditor. Theyve slandered my name and posted negative information to my consumer report, which is a direct violation of 15 USC 1666b and 1666a.

Recently they tried to repossess my vehicle and force me to renter into the same alleged contract which contains blatant violations of TILA, FDCPA, FCRA and empty disclosure 's in an attempt to harm me financially the consumer/natural person. The most recent violation are Harassment and Abuse 15 USC 1692d ( 1 ) ( 2 ) ( 3 ) ( 5 ) 15 USC 1692f ( 5 ) ( 6 ) Unfair Practices all violation to federal consumer debt collections 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
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hi I am submitting this XXXX XXXX WITHOUT ANY INFLUENCE THIS IS NOT A THIRD PARTY XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE MY LIFE IS RUINED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
hi I am submitting this XXXX XXXX WITHOUT ANY INFLUENCE THIS IS NOT A THIRD PARTY XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE MY LIFE IS RUINED

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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX my account was hacked and has been restricted since then. After speaking with the security department, I was told that someone was able to access my funds by knowing confidential information that only Navy Federal Credit Union employees has knowledge of ( I.E. code name, online banking username/password, debit/credit card info ). 
I was instructed to complete a Fraud/Forgery form and return it ASAP. The document was sent to NFCU on XX/XX/XXXX but they did not " receive '' it until XX/XX/XXXX. Absurd. I was told that it could take up to 10 business days before receiving my funds. Each time XXXX contact NFCU and request to speak with a supervisor, there are none available. No one is able to provide me with any updates with my account, and it is going on nearly a month since this situation has transpired. I need my funds released to me immediately. It is unfair that I have to be in a financial bind for WEEKS due to lack of security within this company! My bills are past due, and I have nothing! I need this problem fixed as soon as possible or the next step will be legal. I have been patient enough. I trusted NFCU with my funds, and they allow someone to take it within seconds yet I have to wait until the investigation is over. I have never gone through a situation this severe with any other financial institution, and they must be held accountable. 

Below is the fraud activity that took place : XX/XX/XXXX XXXX XXXX XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXXXXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX  XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX  {$43.00} XX/XX/XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXXXXXX A XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} Someone also attempted to take out a student loan with NFCU ; however, I was able to stop the application process before funds were dispersed to the school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
Order being executed without meeting the correct trigger conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
FedLoan Servicing is not honoring the Department of Education 's waiver for the XXXX XXXX XXXX XXXX program. I currently qualify for forgiveness on my student loans but FedLoans is not processing my application. If I call, I am given misinformation based on pre-waiver guidance. I have spent hours on hold only to reach a representative that tells me to continuously submit employer certification forms. All of my loans are currently eligible for forgiveness. I had to fight FedLoans to restore payments from XXXX - XXXX for over 5 years ; I requested manual review of my account and restoration of payments beginning in XXXX. My account was not reviewed and the missing payments were not restored until the Massachusetts XXXX settlement with FedLoans, which occurred in XXXX. 5 years of calls, emails, inquiries, to restore 18 months of missing payments. The ongoing struggle of fighting this predatory servicer has taken a toll on my quality of life. I have filed complaints with the Massachusetts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and now with your office. When I called today, I was told it will take 6 months to process my account. Such lengthy timelines are unnecessary and unacceptable. Many people are losing hope in this process, once again. The waiver made XXXX worse, not easier, for many borrowers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case XXXX with the balance {$910.00} and {$230.00}. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. .If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, Midwest Recovery Systems . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I Applied For A Checking Account Recently And Got Denied I Then Checked My XXXX Report And Noticed A Account For XXXX XXXX XXXX XXXX XXXX Bank ) Account # XXXX Creditors Account # XXXX I Also Received A letter Of This " Alleged Debt '' That Is Owed I then Contacted This Company With A Debt Validation Letter Asking Them To Validate The Debt On XX/XX/2021 The Company responded By Sending A Letter With A Balance On It For Amount Thats " Allegedly '' Owed Also They Had On Letter " This IS A Attempt To Collect A Debt '' This Is A Violation Of 15 USC 1692 ( b ) ( 5 ) I then Sent Them A Affidavit Of Truth On XX/XX/2021 With Proof Of The Violations Also A Cease And Desist Letter Asking Them To Stop Reporting This " Alleged '' Account To XXXX With A Invoice For {$8000.00} For Their Federal Violations Transworld Systems Has Caused Me Great Stress, XXXX, Mental Anguish I'm Unable To Get Approved For A Home Loan Because This Is On My Chexstsystems 15 Usc 1681 ( a ) ( 4 ) Transworld Systems Was Unfair in reporting this Erroneous without consulting with me first the consumer And 15 USC 1681 ( b ) ( 2 ) I Never Gave Transworld Systems Written Instructions To Furnish This On My Credit Report I Plan To Seek Litigation And Also I'm Going To Take To Social Media About How They Are Violating The Consumser Rights That Governs Me And I Will File A XXXX  Complaint And Attorny General

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2022 at XXXX, I deposited {$900.00} into an ATM at XXXX bank at XXXX XXXX XXXX XXXX I bank with USAA, which has no physical branches or ATM 's in my area. I used XXXX because it is considered an " accredited '' ATM for USAA. At the end of the transaction, the deposit did not go through, and the ATM kept the {$900.00}. 

I disputed this with my bank 3 times to no prevail, and XXXX provided me with information to bring to USAA so they could solve this between the banks. Nothing has been resolved. 

Here is the information : XX/XX/2022 XXXX EST Local Terminal ID : XXXX Debit Card Number Trace number : XXXX Transaction Amount : {$900.00} Thank you very much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you TRANSWORLD/ SYSTEM INC. NOT who they have been paid by a third party. I am requesting proof that I am indeed the party you 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 provide me with competent evidence that I have any legal obligation to pay you ( TRANSWORLD/SYS INC . Please validate that this debt belongs to me and please also show me the original contract.

Company response to consumer: Closed with explanation