vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
In continuation to complaint XXXX, that I filed on XXXX XX/XX/2023, I have recently received a letter from USAA stating that information is needed from my wife to unfreeze our account. It was dated XXXX XX/XX/2023! They did not freeze my wife 's card until XXXX XXXX and that is the day that I called to complain and get it unfrozen. I requested a reason for the freezing of her account as well as what would be needed to unfreeze it. They created a letter and falsely put that it was generated and sent on XXXX XX/XX/2023. 

Beyond the fact that they are being deceptive on the timing of their notification, USAA provided no details on what is required. From my initial conversation with the representative on XXXX XXXX, I was informed that they needed additional information to verify identity. Together with my wife ( virtually since she is in XXXX at our home with the kids while I'm in XXXX doing military duty ), we submitted my passport, her passport, my military orders, and her permanent residence card via the online document submissions tool and received confirmation that they were received. And further proof that they were deceptive in the date of the letter, the messages in our USAA account inbox of me sending the aforementioned documents and the confirmation from USAA came on XXXX XX/XX/2023 when I sent them and the supposed XXXX XXXX letter was the latest message ( see XXXX ). 

After 18 hours of sending all of our documents for verification, our debit cards still do not work.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I received a notification from the credit bureau that there was a delinquency on my report from Transworld Systems Inc in the amount of {$51.00} with no associated date. I received NO communication from this company about any alleged debt. After investigation, I discovered that the alleged debt was to be collected for XXXX. I spent about an hour on the phone with XXXX and was assured that my account was in good standing and they had no knowledge of any debt or debt collectors associated with my name or my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX - paid off the {$8400.00} ( loan balance ) plus a {$39.00} late fee. 

XX/XX/XXXX- received a bill for {$260.00} as interest and a late charge for not submitting a monthly payment. 

I called a number of times to try to resolve this matter and no supervisor would speak with me and they just insisted on receiving their payment. 

XX/XX/XXXX - I finally called and demanded to speak to a supervisor, they refused. I was told by the operator that I need to pay or every month the balance will increase. 

I responded, " Increase for what? I paid off the principle of the loan, HOW are you calculating these interest payments? What math are you using? '' I paid off the {$260.00} as I was given NO OTHER OPTION. 

I am shocked, AMEX is allowed to operate in this manner. 

Please help me get back my money. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I have a car financed through FLAGSHIP CREDIT ACCEPTANCE. I am being over charged for the vehicle. 23 %. I have made payments since XXXX of 2022 and it is not reflecting on my balance. My down payment doesnt reflect on the balance either. 
This company also refused to let me change my payment due date, because it cant be changed but every 6 months. I know when i can pay my bills and that is when i need my due date. I have changed my due date in XXXX because when the contract was done i requested to have my due date on the XXXX of the month and they said ok. they didnt set my date for the XXXX they set it for the XXXX. 
They are hiding fees and interest, I will never get the car paid off at this point. They are not willing to work with you on any issue you have, or willing to cooperate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: IA

Complaint narrative:
American Education Services has been calling me about my co-signer 's address being invalid. I have always kept my contact information valid, and I have never missed a payment ( approaching 20 years ). 

I told them that I don't have that information and they keep calling. They even went so far as to send a written letter to my wife 's father 's house, which she hasn't lived at for nearly 20 years. My wife isn't the co-signer. I have no idea how they even obtained this information? 

Just today, they called me two times about this matter.

I requested that they stop calling me about this matter. They said they won't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NY

Complaint narrative:
Hello, I have received numerous calls from the Sallie Mae student loan company for a loan I do not have. 

I have no student loans. 

Since XXXX, they have called me weekly, sometimes more, to collect from someone named XXXX XXXX. I have no idea who this person is. 

On XX/XX/22, I called and spoke to an employee named XXXX, employee number XXXX. She told me she would take care of it. She did not ; I received more calls. 

On XX/XX/22, I called again and spoke to an employee named XXXX XXXX. She too said they would fix the problem. As of Monday, I am still receiving calls from Sallie Mae. 

Thanks so much, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
My small business has a XXXX XXXX XXXX credit card with Chase Bank. I wanted to change the authorizing XXXX on the card from myself to my wife, who is the principal business owner. Over the last XXXX  months, Chase has consistently failed to receive the required forms via the submission route they requested, and consistently failed to give me any help or information about how to submit the forms such that they will actually receive and process them. They have rebuffed all requests to speak with anyone in the department responsible for handling those forms, and repeatedly told me to wait XXXX  days with XXXX assurance of assistance. At no point has anyone acknowledged receipt of the form, or offered to help positively confirm the receipt of said form. 

XX/XX/XXXX : I submitted a Change of Authorizing Officer form to the fax number provided XX/XX/XXXX : I called Chase, and they let me know that they had not received the form. They subsequently mailed me a new one, which I submitted via the fax number provided XXXX XXXX, XXXX : I called Chase again, and they said they could not find the form. I resubmitted via the fax number provided XX/XX/XXXX : I went to my local Chase branch, and sat down with a business banking specialist. He made some phone calls, and was able to determine that they yet again could not find the form. He resubmitted the form for me via fax XX/XX/XXXX : I enquired via secure message whether they had received the form XX/XX/XXXX : Chase support replied to my secure message, saying that they could not find the form, and that they had mailed me a new one XX/XX/XXXX : I gave up, submitted this complaint, and plan to close the card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX I lost my job due to covid back in XXXX and have been working with XXXX XXXX XXXX to be put on a temporary payment plan. I was approved for a trial period starting XXXX, XXXX and XXXX of XXXX to pay XXXX. I made the first payment for XXXX. I called on XX/XX/XXXX to make my next payment and was advised i was removed from the trial period due to non-payment. I spoke with a supervisor whom advised me she would be sending an email to the XXXX XXXX department for them to reinstate me due to payment was received. She then called me back on XXXX and advised me the request was approved and that she could go ahead and take my XXXX payment. I asked her is she was showing a payment for XXXX scheduled to draft from my account if so i need to pay the difference of the XXXX minus the XXXX because that payment will cause my account to overdraft, she then advised me there was no payment showing pending we then made the payment. On XX/XX/XXXX XXXX draft from account and XXXX was returned due to insufficient funds i called back the day i saw the payment return and i reprocessed the payment. I called today on XXXX to pay my mortgage for XXXX and was advised i was again removed from the trial period due to a payment being returned i requested to speak with a supervisor the rep refused and advised me to apply for other assistance. I'm just trying to be put back on the trial period and continue making my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Innovate Managed Holdings, LLC
State: GA

Complaint narrative:
My XXXX fico dropped over XXXX points after a new account was said to be opened on XX/XX/XXXX to XX/XX/XXXX from innovate loan service in XXXX. I opened an account with them for a XXXX XXXX in XX/XX/XXXX and paid it off in XX/XX/XXXX. My business with them was over. Now all of a sudden this pops up and when I contact them at their XXXX  offices, they claim they know nothing and I should just dispute it. But this has affected my fico. I want to get a lawyer on this because I am building my credit towards XXXX for business loans purposes and this comes up. I need someone to answer for this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
On XX/XX/XXXX I made a {$1100.00} early payment to my mortgage lender PHH Mortgage for the mortgage due on XXXX. They misapplied this payment to principal only instead of the mortgage due. They have done this previously and I have had to ask them to correct their error. 

On XX/XX/XXXX I emailed the company to remind them to make sure the payment was applied to the mortgage due. On XX/XX/XXXX they emailed me that " All funds received will be applied towards the contractual payments. '' Since then the payment has not been corrected, despite many additional emails with PHH in XXXX. 

Their reply on XXXX stated " We have submitted a request to reverse the principal funds of {$1100.00} received on XX/XX/XXXX, and add it to the payment of {$1100.00} received on XX/XX/XXXX, and have them re-applied toward the XX/XX/XXXX payment. '' Since then the payment has still not been corrected, so I have called their customer service line twice, both times I have been assured the payment would be corrected and no fees would be charged. 

Today I was charged a late fee, and they claim I need to submit another payment when in fact I paid early for the XX/XX/XXXX mortgage due. I am concerned that their continuing errors with my payments will affect my mortgage rate and credit rating, and need CFPB 's help to fix the situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I signed up for a Capital One XXXX XXXX card on XX/XX/XXXX with a promised {$300.00} " annual '' travel redeemable through their online travel portal. ( I spend XXXX a month on Capital One cards, with always paying my bills on time. ). I was planning on using that credit now. They told me on the phone, earlier in the year, that the credit expires on the anniversary of my receiving the card, ( and so it seems online too ), so I made a note for myself in my calendar to spend that {$300.00} before my anniversary date. 
On XX/XX/XXXX, for an upcoming trip, I tried to book a trip through the travel dept. to and spend that credit ( before the anniversary date ), and I decided to triple-check with the company that my year had indeed not come to an end. But, after giving me conflicting opinions and spending an hour+ on the phone, they are refusing to honor the credit! Capital One is saying that the " year '' for my credit is determined by when the annual fee generates, which was on XX/XX/XXXX - almost a month PRIOR to anniversary date! 
It seems impossible that an annual credit can be valid for only eleven months. It seems to be totally dishonest and unreasonable for a customer who is pending {$390.00} to hold this card, to be expected to know that the credit expires on a totally separate " anniversary '' date that they were told earlier! I, as an outstanding customer, should not have to spend hours and jump through all these hoops just to receive something they promised. It is now a real matter of principle for mas as they are taking advantage of unsuspecting customers. For shame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have reach out different occasions to resolve this issue on XX/XX/2022, XX/XX/2022 and XX/XX/2022 on the wrong information that's being reported on credited report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wellsfargo called me twice on XXXX and I missed those calls. They called me again on XXXX around XXXX in XXXX  and I answered. She said she was calling from the Wellsfargo fraud department and that someone in XXXX, XXXX  was using my bank information to make purchasesone was pending for {$1200.00} and XXXX was pending for {$320.00}. The number was identical to the number on the back of my debit card. She told me she needed me to follow some steps to correct this if it was indeed fraud activity. She asked if I had recently travelled or given my bank account information to anyone. I said no. So she sent me a security code to verify my account. Then sent me a link to log into my account and thats when all of a sudden, I was enrolled in wiring, she added a recipient by the name of XXXX XXXX which I have no idea who that person is and wired {$11000.00} from my savings account. I was sitting in branch at the closest Wellsfargo within XXXX min of getting disconnected from this person who claimed to work for Wellsfargo. I told them that I did not authorize this wire and that I was never notified to give authorization for this wire. I called Wellsfargo today because I have not received XXXX follow up phone call on an outcome of this claim and they told me that they closed the case and that I will not be receiving my money back because I authorized this wire from my device. This is such a scam and it cant possibly be that easy for someone to steal all of my money from my online banking account. I want my money back now. I am recently widowed with XXXX small kids that I need to care for. Wellsfargo has insurance that protects my money. Why arent they using it to get my money back? This is not right that, I the consumer, should have to suffer because of an inside job with wellsfargo and because wellsfargo doesnt have the proper checks and balances in place to stop a fraudulent wire within minutes of it being initiated. Please make this right. I have hired an attorney and will go to great lengths to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I received a Covid modification due to being affected by Covid. At the time of the modification, I complained to XXXX XXXX that I was not supposed to be charged back interest or for the payments that Shellpoint made on my behalf from escrow. Shellpoint refused to make the changes to the modification and XXXX XXXX said that I had to work it out with the lender. 

In the 1098, Shellpoint shows the principal balance on my loan is {$65000.00}. It shows interest paid is {$8200.00}. 

However to me, Shellpoints statement interest of {$10000.00} on my statement dated XX/XX/2022. It shows the principal is {$75000.00}. This means that Shellpoint is not being honest with either me or the IRS. The overpayment in interest for the year means that I should get a refund from Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I'm a senior citizen over XXXX XXXX XXXX, I apply for a mortgage loan from Citi Bank they hold on to my loan application for more than 65 days, and on the top of that they force me to get an appraisal and insurance for the house that I suppose to purchase, before close the deal or pre approve letter, they made me loose {$950.00} for nothing and after all this wait they denied my loan base on lies and misinformation, I try to solve this issue with the company but I was not successful because I was dealing with a person by the name XXXX XXXX, he refuse to understand that Citi bank employees made a big mistake, when they force me to pay all this money without any pre approval letter and he blame me for their mistakes, Every bank will give you a pre approve or denial letter within a few days after you summit your taxes for the past two years then they will ask you to start spending money on appraisal and insurance and so on but not in my case. 
I lost {$950.00} for their stupid mistakes I would need your help to get my money back.

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