vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
My mother, XXXX XXXX, died in XX/XX/2022. I am the executor/personal representative for my mother 's estate. 

I found out that my mother had a savings account with USAA Federal Savings Bank via a statement I received in the mail. On XX/XX/2022, I contacted USAA Federal Savings Bank ( XXXX ) and was transferred to the Survivorship team. I requested that the account be closed and a check sent to me for the balance in the account of {$25.00}. I was told which documents to send to XXXX, which I sent via XXXX Mail on XX/XX/XXXX. 

On XX/XX/2022, I received another statement from XXXX, indicating a savings balance of {$25.00}. I called the XXXX team and was told that the documents I sent were received on XX/XX/XXXX, but were in the wrong department. I was told that the documents would be moved to the right department and would be processed. 

As of today, XX/XX/2022, I have received no indication that the documents have been processed or that the account has been closed. I have also received no check for the account balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance has wrongful information about my account 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 explanation
Consumer complaint received 2022-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. This states I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I ordered {$150.00} worth of XXXX XXXX from Bank of America, my bank, and specifically asked for big bills but instead they sent me only XXXX XXXX XXXX XXXXXXXX  which is not only very dangerous to carry big stack of low value money but also very impractical. When I called the bank of America XXXX XXXX to ask them to replace it, they hung up on me. Now I am stuck with a stack of money I can not even use

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 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Several months ago XXXX changed their XXXX XXXX XXXX card from the XXXX XXXX XXXXXXXX to Comenity Bank. Our main purpose in using a XXXX card was to use it for travel : twice we tried to use it toward travel expenses at XXXX and it was declined, and a third time with a local business. My husband and I both have cards and Comenity claimed that the first payments we made in XXXX were late and charged us late fees. The payments were sent before the due dates but Comenity claims the postal service must have been slow. That being said, we decided to send the XXXX payments return receipt requested, they were sent on XX/XX/XXXX, it was delivered to the XXXX XXXX XXXX on Monday, XX/XX/XXXX ; we have been checking my bank account daily and as of Sunday morning the XXXX of XXXX when the payment was due on XX/XX/XXXX, there is no indication of it being deducted from our bank account. Comenity Bank does not return the checks to the bank so we do not have a receipt of the written check, they just put in a code to charge the account immediately which means it should have been deducted at the beginning of the week not kept in order to charge a late fee, the first charge was {$25.00} saying the next time it would be {$39.00}. 
We are in the process of trying to close these two accounts and may not be able to do anything about the first set of charges, but I definitely know we do not owe a second set of charges. We intend on fighting any further late fee due to Comenity Banks incompetence and to avoid having our credit rating damaged. We have filed a complaint with the XXXX  and reviewed the rating : Comenity Bank has an overall rating of XXXX and an XXXX  rating regarding credit related matters. Review of the complaints indicate that charging late fees seems to be their way of doing business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
My previous student loan servicer was FedLoan Servicing. They transitioned my account to a new servicer, XXXX in XX/XX/XXXX. A payment was made by my XXXX company XXXX to FedLoan right after the loan was transferred. The loan was transferred on or around XX/XX/XXXX and the payment was made to FedLoan on XX/XX/XXXX for {$700.00}. FedLoan is saying they can't help me since my account is not with them and they have not transferred the payment to my new servicer XXXX nor have they returned the payment to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc.
State: NC

Complaint narrative:
On XX/XX/22 at XXXX a email was sent to my mother in regards to a debt they are collecting from Unifin , Inc. it gave my personal information, amount owed of {$160.00}, and that they were a debt collector trying to collect a debt. I am not a minor and so my parents should not have been contacted in regards to this, let alone all the information to me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
There were a series of fraudulent charges on my savings account dating from XXXX XXXX. My account was also locked by USAA and I was unable to log in. I called many times over the past week and a half and as of today I am being told that I am liable for the negative {$10000.00}. Before the account was overdrawn, I had a balance of {$4500.00} that I am also missing. In total, I am missing {$15000.00}. USAA has decided to stop doing business with me. Not only do I not have any money now but I also don't have car insurance anymore because It was through USAA as well. USAA continued to try and make me pay back an overdrawn account while I was still trying to dispute the charges. They were persistent in telling me that I am liable and that it is clearly not fraud. As a service member, I legally can not be in debt or have bad credit. This was 100 % fraud. 

The red has marks in the image attached below are all of the fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Missouri XXXX took a loan out with Rocket Mortgage one of our First notice date : XX/XX/2022 Loan number XXXX Property address Mine XXXX XXXX XXXX XXXX XXXX Missouri XXXX from Rocket Mortgage XXXX XXXX XXXX XXXX Michigan XXXX Rocket Mortgage phone number XXXX XXXX XXXX was the representative I have spoke with multiple times! I made a XXXX  payment from one of my XXXX XXXX  accounts and I was gave confirmation number XXXX because it went through! I WAS gave confirmation number XXXX when I made a XXXX Dollar and a XXXX from my XXXX XXXX account ending in XXXX and XXXX! I was told by Rocket Mortgage to keep my payments under XXXX to keep IRS out of it! I was gave confirmation number XXXX when I used my XXXX XXXX account ending in XXXX! I made a XXXX dollar payment with my account ending in XXXX! I made a payment with an XXXXXXXX XXXX account! XXXX XXXX accounts! All good! Then we get a letter from Rocket Mortgage Notice date XX/XX/2022 and our loan number is XXXX! NOTIFICATIONS about Mortgage ID XXXX! We received notice XX/XX/2022 no payment made! Default! NO PAYMENTS MADE! ON WHICH LOAN? WHEN ROCKET MORTGAGE FIRST STARTED CALLING US THEY ASKED ABOUT XXXX XXXX LOAN ON A DOUBLE WIDE IN MINNESOTA OR MICHIGAN! I PUT PAYMENTS TOWARDS INTEREST, PRINCIPAL, XXXX PAYMENTS, XXXX PAYMENTS, PAID! THEY WILL NOT SPEAK TO ME XXXX XXXX XXXX XXXX AND I AM ON THE LOAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
When Bank of Texas bought the home loan from XXXX XXXX  and put escrow on the account when I have had home insurance this whole time. So in order not to ruin my credit i over paid {$2800.00} to not get a late payment and then they changed it back to the proper amount {$580.00} but now will not send me a refund check for the overages and will not let me talk to a manager or put a manager on the line. This is very bad business and I wish my loan was never sold to this company. They are an absolute nightmare to deal and are stealing my money at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This company I never heard of reported a medical debt on my consumer report claiming I owe them but never sent me and documents to prove how I owe them or any type of verification I have requested several times directly through usps mail and have been ignored since XX/XX/XXXX. They are also reporting inaccurate incomplete information they are reporting the account opened up XX/XX/XXXX but payment history only shows from XX/XX/XXXX. According to 15 U.S.C 1692g- validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
On XX/XX/2022, I went into TitleMax to get a title loan as I was need of cash. When I went in there were 2 other people getting loans. There was only 1 person working. The person was trying to help all 3 of us at once so we really didnt get individual attention. When it was my turn the representative just said sign here and here. Two signatures in total. He said everything was electronic and skipped all the information regarding the loan I didnt get any information regarding the loan. Days later I decide to take out the remainder of the loan that was offered on to look into the loan and the interest is exorbitant. I tried to repay it but the company blocked my ability to do so in the 48 cancellation window. There is no way I could afford this loan but I dont have the money to pay back the loan. As I used the funds for rent and back bills. I should been given disclosures and interest rate sheet. Instead the agent in a haste skipped over everything to get me out. I filed a complaint with the Consumer Financial Protect Bureau, they instructed me to reach out to the director of operation which told me to reach out to legal. I reached out legal and have not received a response. I cant afford this and the company is making me go in circles. The company keeps closing the complaints but fails to have a discussion. You breathed the contract when you blocked me from making a payment for 48 hours during the 48 hours cancellation period. You said that if I reach out to district manager we could work something out and when I contacted the office they referred to legal. Legal failed to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is refusing to help and remove unauthorized charges on my account, representative said charges are valid after 60 days of posting regardless of status. 

Ive asked for them to change my account number and file disputes however the agents refused and because of their refusal to help, my account went negative and they closed it out after the fraudulent transactions posted Now my account with fraud activity was closed and chase is making me responsible for transactions I never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX which is AES ( student loans ). The rep was looking for my spouse and I advised he was not available and that i was his spouse and asked to have my number put on the Do Not Call list. The rep became very irate and mad and said no. I then advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I know that she is required to put me on the XXXX list when asked. She continued to harass me and speak over me which made me very frustrated and upset and I cried. She said stated that she was asking me simple questions and I was not understanding her and she was still raising her voice and sounding mad and annoyed. I then asked to speak to her manager/lead/senior and she refused. I asked if she was refusing to put my number on the XXXX list and she hung up on me. I am so frustrated and distraught at how I was treated. I know a large company like AES must have a way to put my number on the XXXX list and not be treated horribly. I then collected myself after being yelled at and crying and called the same number back and spent XXXX mins on the phone with another rep and explained my situation and she took notes and notated my husbands account but also advised that she was unable to put my phone number on a XXXX list because she did not have an account to do so with ( i was and am still confused by this ) and that my husband would need to call back. I am not obligated to his student loan in any way shape or form and he obtained the debt prior to us getting married so i do not know why they are calling me unless they are skip tracing. There is no way that my number could not be added to a XXXX list. I then also asked if I could submit a formal complaint and she said no, because her system does not allow her to do so. We left it as her notating the account, even though she said that she was not able to locate an account, and that she was not able to put my number on the XXXX list or file a formal complaint and that my husband would need to call back by XXXX XXXX  to talk further and take my number off his account. 

XX/XX/XXXX at XXXX XXXX AES XXXX again after speaking with them on XX/XX/XXXX. Asked for a manager and XXXX put me on a hold to get to a manager. I asked if they had read the notes and that this number should be on the Do Not Call list. She said she would put the number on the list today and submit a complaint after the call ended. I want restitution for being harassed by AES and them not following directions. This is absolutely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
Hello Loan number with UWM XXXX I called and United Wholesale Mortgage on XX/XX/XXXX to ask why my XX/XX/XXXX mortgage state was NOT reflecting the remaining award from Gov. XXXX XXXX XXXX XXXX XXXX I was awarded. The original award was for {$9700.00} sent to UWM in XX/XX/XXXX The remaining balance is {$1300.00}. All other money was applied to the mortgage, except this remaining balance of {$1300.00}. 

My XXXX mortgage payment is XXXX so the XXXX payment should be {$1500.00}. 

The rep from UWM told me the balance was returned wired back to the state on XX/XX/XXXX. I asked why was this returned and I was told by the UWM rep - that she did not know why. I called the XXXX XXXX rep and they told me that UWM should NOT have returned the money. That the money was to be used for my mortgage and any future mortgage payments, and the XXXX an escalation has been created over 2 weeks ago. I have not heard back form the XXXX XXXX Rep. 

So I decided to follow up with the reps at UWM once again, I have called XXXX since XX/XX/XXXX. 
to no avail. All I want them to do is explain to me why the money was returned to XXXX XXXX. Since the state told me they did not request any money to be returned! 

I feel that if this was done in error it should be corrected ASAP. 

I do not want to be late on my XXXX Mortgage for XXXX. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation