vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 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: TX

Complaint narrative:
XX/XX/XXXX Received email from BOA act overdrawn, due time a XXXX illegally went into my account without my authority and debited funds for {$150.00} per statement Processing Transaction layer CHECKCARD XX/XX/XXXX XXXX XXXX XXXX XXXX FL activity type debit status type icon pending Processing. Select to mark activity type debit XXXX CHECKCARD XX/XX/XXXX XXXX  XXXX XXXX  XXXX FL as Reconciled XXXX XXXX negative {$77.00}. 
When I contacted BOA was on hold over 20 min then transferred to their fraud dept-spoke with a XXXX XXXX as she said there is nothing they can do until the transaction goes through.I suggested to close and reopen new debit card as this company has access to my debit card from a purchase of med supply for XXXX. NOT fair when this has placed my account in a " negative '' and no funds available to me.nBOA could have stopped the PROCESSING transaction from coming in as they chose not to. How can BOA authorize XXXX to take control of my act and leave me with no funds? BOA did absolutely nothing and aware. After my research this company has a 1 out of 5 rating and illegally taking funds from customers act and apparently an issue. BOA did not make any efforts in trying to resolve and left me without funds due to a unauthorized transaction. NO pmt pattern of such as they allowed me to have no funds available. I also went into the bank as the called a XXXX in the claims dept as he also did absolutely nothing to resolve issue as BOA will sit on this and wait until this transaction go thru and wait until they hear from the company, not fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I went to the Wells Fargo branch in XXXX XXXX, CA XXXX XXXX XXXX to deposit, into my checking account, {$900.00} cash ( in {$100.00} bills ). I do not have the receipt or might have lost it since then.

After recieving my monthly statement & noticing the {$900.00} cash deposit missing I contacted the Wells Fargo fraud department earlier this week to open a claim ( claim # XXXX ) & complaint but very little was done & they are giving me the run around - truely not caring or being concerned about this situation.

Can you help get this issue back on track? Maybe have Wells fargo contact their branch to investigate, lo

ok at their branch records & even review their video tapes on that day - that would cleary see me doing a deposit. I have been a truster client of Wells Fa
rgo since XX/XX/XXXX & I am ashamed on how they are treating me. This event will make rethink the future on my money at Wells Fargo Regards 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 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
XX/XX/18 - a check for {$1400.00} was presented to the acct. It shows as clearing on that date, with an ending balance of {$160.00}. The following day that check was returned and my account was charged a {$29.00} fee for NSF. I contacted them about the issue and was told " there are things that go on behind the scenes that you can't see ''. I then asked for them to explain to me how I would be able to manage my account accurately if they did not provide me with accurate information. They did not provide me an answer, only told me that is not how it works. I contacted the XXXX  and have still not been able to speak with USAA regarding the issue. 

Fast forward to now. Last night, XX/XX/18, I transferred funds from my USAA savings account to the USAA checking account. The balance in my account prior to that transfer was just a little over {$300.00}. I made the transfer and went back into the account to make sure it was in there. The " current balance '' and " available balance '' both indicated {$1300.00}. No hold, or delay, was indicated. When I checked the account this morning, it now shows my transfer did not go in until today and the items presented came through causing a negative balance of {$230.00}, then the deposit was posted. I contacted them this morning and was again told " that's not how that works ''. The information in the depository agreement does not specify the funds would not be available immediately. The transfer information on the website said transfers between USAA checking and savings accounts were immediate. I inquired as to why my available balance would not reflect the difference between current and available. They did not provide me an answer, only told me that is not how the app works and they are sorry I was confused. 

I now am going to have to deal with the repercussions of this returned check from the financial institution it was deposited to. I am going to have multiple fees and no one seems to care that what can be seen by members is clearly not accurate. It is ridiculous for them to expect me to be okay with seeing an available balance that is plenty to cover the presented items, only to be blindsided the next day with returned items and fees. I have been with USAA for 12 years and feel they do not have members ' best interests at heart. I also have reached out multiple times today to the office of the CEO without any success. I am at a loss and feel I may need to get a lawyer involved because these business practices that are costing me money and time. 

I would love to provide you with screenshots of my account, but they have it set up so you can not screenshot the account.

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 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & R Collection Service, Inc.
State: TX

Complaint narrative:
I called R and R collections asking for any information or proof of this debt. I asked for all records of this debt thats on my credit report. The office manager XXXX informed me that " they do not keep any records in their office and can not send me any information whatsoever '' She told me to call the hospital because they do not have anything in their office to show proof of this debt which are two medical bills reporting on XXXX. The other collection on my report is from XXXX XXXX heating and air. This company is out of business for the last 5 years. So they can not validate this debt either. They also reporting this collection on my report 3 in all. I believe they refuse to cooperate with me, they refuse to send me details ..I have reported this to the credit bureau 7 times and they refuse to validate the debt. The credit bureau gave me your contact information to make a report and file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: PA

Complaint narrative:
My loans are defaulted. I was told I could rehab the loans for $ XXXX/month and after 5 months wage garnishment would stop and after 9 months the loans would be out of default. I made XXXX payments in XXXX, XXXX, XXXX, and XXXX. When making my payment in XXXX they told me that my payment was now going to be XXXX because they recalculated based on documents I sent in and I had to send a letter back to them. I made a XXXX payment in XXXX and was told none of my XXXX payments count as part of the rehab. I was told the XXXX payment would be counted as my 1st payment. I was led to think each time I made a XXXX payment is was counting toward my loan rehabilitation. My XXXX payment should be and is my 5th payment not my first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: FL

Complaint narrative:
Keep getting repeated robo calls from company called ERC. I do not owe any debt, have been debt free for last 15 years, except for 2 auto loans which are paid via allotment. I have even went so far as to go to the ERC web site and filled out form to have them stop calling me but the calls still persist. I am XXXX and wife is XXXX and these repeated calls upset us. I am asking that this company be charge a fine or whatever the legal term is of {$500.00} for each phone call. My FICO score is XXXX and no bad credit in my credit report for last 25 years or longer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I received an alert from my credit report saying a new account had been added. I checked my account and a company named convergent placed an account for collections in the amount of {$71.00} on my credit report. Not knowing this company I sent them a debt validation letter via certified mail on XX/XX/2018. The letter had been received and signed for. In response I was sent a bill. I sent a second letter again via certified mail requesting validation of this debt on XX/XX/2018. This letter had also been received and signed for. As of today I have not received and information from Convergent to validate this debt and it is still on my credit report.

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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have received recent credit reports from XXXX, Transunion and XXXX. On them, I am seeing several hard inquiries that I am not familiar with. I have not applied for credit in over 3 years, yet new inquiries are on each credit reporting companies reports? I have not authorized any such permission and my account should be on a fraud alert, triggering someone to contact me.

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 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UMB FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a XXXX spending account card issued by UMB Bank, N.A. The monthly spending limit on transit ticket purchase is {$250.00} dollars. On XX/XX/XXXX, I used the Visa Debit card to make two purchases of {$90.00} each, both transactions went through and processed on XX/XX/18 ( see statement ) ; on XX/XX/XXXX, I tried to make the purchase of {$75.00} dollar, the transaction was denied, the message on the MTA vending machine was '' transaction denied, contact the card issuer ''. I called the card issuer and reported the problem, the customer representative told me that the transaction didn't go through and asked me to wait 7 days and they sent me an email to confirm it on XX/XX/18. After 7 days, on XX/XX/18, I tried to make the purchase of {$75.00} dollar, transaction was denied, same message came up, so I call the card issuer again reported the same problem, the customer representative set up a case and told me they need 2-3 business days to resolve, so I waited another 3 days, tried to make a purchase on XX/XX/18 and XX/XX/18, the problem still remained, so I called again, they asked me to wait another 3 business days to investigate. they already see my account have balance of {$200.00}, and I still have {$75.00} dollars to reach my monthly limit of {$250.00}, no one can help me solve the problem, I even requested to speak to a supervisor, the problem remained. As the timing is critical on these kind of account, if I don't use the funds within a month, I will lose it, because next month I will have another contribution of {$250.00} to use. They should provide a credit {$75.00} to my account for me to use within XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: UT

Complaint narrative:
6 months ago a collection agency named mrs. Bpo reported a XXXX dollar debt to my credit report all 3 bureaus I've never heard of them they never gave me the right to dispute they just put it on my credit. It's not even mine. There's no account number on credit report either. They have no information on the debt at all and are not willing to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Several harrassing calls at my place of employment behind a debt I have no information about. This is the third time this number has contacted me under two different company names. This time it is from XXXX XXXX from National Credit Adjusters from phone number XXXX ext. XXXX Previously it was from XXXX XXXX from another company I do not remember. I submited a previous cfpb complaint about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: Phoenix Financial Services LLC
State: OH

Complaint narrative:
PHOENIX FINANCIAL IS NOT MY ACCOUNT PLEASE REMOVE FROM MY CREDIT FILE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: TN

Complaint narrative:
I fell behind on the payment because I simply forgot about the loan. Didnt receive notification that the company stated that they sent me. I ended up getting a summons to go to court. I contacted the company and made payment arrangements and was told the court date would be cancelled. This was on XX/XX/2018. I payed {$500.00} and told the manager that I would pay {$400.00} in 2 weeks time. She said that was fine. In less than 2 weeks I made that payment and was told the court date was cancelled. 3 months later I find out that they had not cancelled the court date after all and the agreed amount payment of {$1300.00} keeps changing. To pay this off I ended up paying a total of {$1800.00} which was {$500.00} more than I agreed to pay. I requested several times for a list of fees and what was I was being charged for or a copy of the judgement against me and was declined everytime. I was hung up on twice after asking what I was being charged for. I just finally paid this because I didnt want any more interest to acrue, but I think I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Hi, I made a mortgage payment twice accidently in the month of XX/XX/XXXX. I brought this issue to the mortgage company and they issued me cashiers check in the month of XX/XX/XXXX. Unfortunately, I didn't deposit the cashier check and it got void by the time of deposit in the month of XX/XX/XXXX. 

I called the mortgage company to reissue a check because I can't deposit the void check. The cashier 's check was with me and it is not deposited for sure in my bank account. The mortgage company was told that the check was cashed. I called so many times and they are not responding properly, I feel that it is a kind of harassment because I am a 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 2018-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
The subject of this complaint is XXXX.

Three weeks ago I transfered {$300.00} or so from one of my XXXX  accounts that was created separately within " XXXX XXXX '' to my XXXX   account within " XXXX XXXX '' and received an email about four days later saying that the money had been received in my XXXX account and would show up within three business days.

To date, I have contacted XXXX  via online chat, called four times, and XXXX said it has contacted XXXX directly. I still see no funds in my XXXX account. It's been three weeks now.

From XXXX, my money was withdrawn, and from XXXX  I got a notice saying the money has been received, but It just has never hit my XXXX account. XXXX says it's XXXX  's fault. XXXX  said it was XXXX XXXX XXXX.

I am contacting you so that XXXX can ensure the amount is sent to XXXX  and that XXXX reflects this {$300.00} transaction in my account.

Right now it is essentially stolen out of my accounts on account of the failure of these two banks and the intermediary XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ameritech Financial
State: TX

Complaint narrative:
Very confounding by in XXXX funds are being allocated for payments. Also due date on which funds are taken changes

Company response to consumer: Untimely response
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a account as of XX/XX/18 on XX/XX/18 I could not access my account ..blocked I called an was told no supperviser they would contact me I provide .my new number ... then next day I call arounf XXXX an was told there was an problem with tec support ..so again no supperviser on floor I leave my number once again ..next day I call around XXXX an explain noone has returned my calls in two days ..I was told because the person I receive the check from had a note on there account to contact them ..so i asked then why is my account froze ... .because of the lack of that person 's responsibility..it 's been two days at least unlock my account an review the check ..but give me no access to that amount ..they said sorry but they couldn't an because the department that could was gone ..they would have it fixed an again someone would call me ... again nothing again I call at this point it's been 5 days an no access to my account ... so I asked where did it say in my contract they would freeze my account because someone else not responding ..I get this answer or that but not anything where I aggred to this ..I ask for them to close my account at this point ..I was denide that oppsion..even tho they have not treated me as a customer.an feel like I'm being treated unfairly ..I have all recording of the calls ..an letters from then One state on the XX/XX/18 that there sorry they cant approve my account ..sorry but they would not allow me to open a account..I all ready had a account deposit money and had it froze ..I understand they have alot of departments that need to touch bases but this is caused me to no have a lone sent to that bank an day aftrr day mistakes on there part

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 2018-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never applied for a card called XXXX XXXX XXXX XXXX, I have called XXXX XXXX and trasUnion and they have not given me an answer. Thank you

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 2018-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Yesterday XX/XX/2018 at around XXXX XXXX PDT, I received a call from Quicken Loan so they can provide me information about a possible refinance. The employee name who called me was XXXX XXXX. His number is XXXX. XXXX asked me a couple of questions about what my intentions were for the refinance and how does my credit look like. I told him my intentions and told him my 3 credit scores. Then I had to jump to a meeting and told him I will call him back to continue the discussion. About an hour later, quicken loans does an hard pull on my credit report and dropped my score by 3 points. There was permission from me to run my credit and no authorization was given to do that.

Company response to consumer: Closed with explanation