vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I have filed many complaints with SLS and with CFPB with regards to this matter. SLS has yet to correct this ongoing matter correctly, they keep perpetuating the matter and refuse to take responsibility in the fraud that they committed by granting a loan modification without my consent, communicating with the incorrect parties, communicating with parities that have no legal rights or obligations to the properties right up to XX/XX/XXXX even after the AG 's Office of MA notified them. My last complaint was answered by SLS by documents with no signatures. I was given blank. I requested copies of the loan modification to show signatures because I never signed any legal documents, I couldn't because I `was incarcerated. SLS also sent a very altered court document without the seal of the Court - because the document from the Court provided an end date for XXXX XXXX to be personal representative of the estate of XXXX XXXX XXXX XXXX. SLS has requested that I file a police report for identity theft but yet they have perpetuated this problem and have not taken any responsibility in this problem and provided me with documentation. SLS purchased this loan from XXXX loans in XXXX, sent a letter stating that nothing would change but yet a few months later SLS stopped taking our mortgage payments and requested payment in full completely ignoring their letter that they sent previously. SLS was not communicating with the legal borrower of this loan and made no attempt to do so and now they are trying to foreclose on this mortgage.

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 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Good Day My name is XXXX XXXX. I am an XXXX XXXX service connected veteran with a service connection of 40 %. Just recently I was released from federal custody to direct home confinement. I am now beginning to receive my XXXX checks again but while I was away I had a major issue with USAA bank as they allowed my XXXX checks to go into another account number without my approval for 11 months. Because of this I was then told by the government that I owed the government and in order to be able to receive my benefits again I would have to repay all that was owed. 
You see I self-surrendered myself to XXXX XXXX XXXX XXXXXXXX ( located in XXXX, Minnesota on XX/XX/2017. For the first 6 months of my XXXX  the VA continued to send me my full payment of 40 % when it should have only been 10 % due to incarceration. A state XXXX for Minnesota who works out of XXXX ( a Mr XXXX  XXXX ) helped me to put in for a reduction in my benefits so that they could be reduced to the 10 %. Somewhere in this process my information was switched and my account routing information went into another account number. While talking to a USAA representative they told me that I have to take it up with the people who issue the checks. It's my belief that it is the banks responsibility to ensure that no ones check goes into another 's account without consent. Following this whomever owned account received my payments for the next 11 months. When I found out Mr XXXX and myself put in for an audit and this is where the information was revealed. In the attachment below you can see what I am talking about. Debt Management then said that I owe the VA {$6000.00} in order to reinstate my benefits. I can understand owing the government 6 months repayment at 30 % but to say that I owe XXXX is crazy especially when USAA allowed my monies to go into another 's account. Next Mr. XXXX and myself just stopped the payment period. 
Now that I am released, I'm trying to get my benefits reinstated and rectified but it has been a fiasco. I contacted the bank who gave me no help whatsoever. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said that no students were there over the summer. I reached out to the IDVA ( Illinois Department XXXX XXXX XXXX ) and they connected me with affordable legal and finally that's how I got connected to you. I pray that you can help me in this situation and that it will all be over soon. 

Thank you in advance for your time and consideration Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
I attempted to use my Macy 's store card on XX/XX/XXXX and was told that the store card had been closed. I assumed that it was due to non-use because of the covid situation. I am a XXXX and have a seasonal home in Florida. I had been a client of Macy 's since XXXX with excellent credit rating and payment history. I attempted to reapply but was told that Macy 's did not accept XXXX information. I wrote to the president, XXXX XXXX and was answered by MrXXXX XXXX XXXX that all XXXX accounts had been closed. 

I feel that this policy is discriminatory under the federal Equal Credit Opportunity Act under the section national origin. Department Stores National Bank decided to close all XXXX accounts and it is now impossible to apply for a store credit card without having US government issued ID, which for me is impossible. 

I am a US homeowner, had been a client of Macy 's since XXXX and feel that better care should have been made in the selection and retention of well-paying customers. Why are canadians not allowed to benefit from the advantages and rebates of this store?

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 2021-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
I had over {$20000.00} in damage done to my house by a hail storm on XXXX XXXX. My insurance company has been sending me checks to cover the damage and I have to endorse them an sent them to my mortgage company ( Home Point Financial Corporation-loan # XXXX ). I have received 5 checks from the insurance company so far and I will be receiving 1 more in the next few days. I received a check issued on XX/XX/2021 for {$13000.00} and I signed it and sent it and I received it back from home point about 20 days later. I received a check dated XX/XX/2021 for {$770.00} and a check for {$120.00} dated XX/XX/2021 in the same envelope and signed them and sent them to homepoint in the same envelope. They sent the check for {$120.00} back to me but not the one for {$770.00}. I received a check for {$2300.00} dated XX/XX/2021 and sent it to home point the day I received it. When I call home point they tell me it takes about 10 days to process and send the checks back. Whenever I call them, they say the checks are in processing. I will be XXXX XXXX XXXX this week and I can't take the stress home point is putting on me, Why home point is continuing to hold the checks I don't know. All the work has been done and the contractor wants his money and I don't have it to pay him because home point has not sent the checks back so I can pay him. The last check they did send me back, I had a hard time cashing it because it was over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I've sent in a letters disputing inaccurate information on my credit report on XXXX and still to this day have not received any response to my issue. All 3 major credit reporting agencies have violated my right to privacy under the FCRA 15 usc 1681 ( a ) ( 4 ) This has caused me denial of my consumer credit which is causing me to stress and have anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity Bank. I've never even heard of this bank. I went to a presentation for XXXX XXXXXXXX XXXX timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Credit Line at Comenity Bank, for {$5800.00} in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX  credit check. This credit check was then used to obtain an unauthorized line of credit in my name without my consent, knowledge, or permission. This is a huge line of credit that I tried to get closed, but the representative at Comenity bank was not helpful and now this is really hurting my credit score while I'm trying to refinance my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
My school district tax payment is due for a discount on XX/XX/31. I did not receive any information from PHH Mortgage about this payment, so I assumed that they received the tax bill. I assumed as much because, in XXXX, I was notified by them that they did not receive the XXXX XXXX tax bill that was due at a discount on XX/XX/31. I have had other issues with them in the past, so I contacted them on Friday, XX/XX/XXXX. They informed me then that they did not receive the tax bill. When asked why I wasn't notified, they could not provide an answer. I'm actively trying to obtain a copy of the tax bill and forward it for payment, but they haven't provided sufficient lead time, and I am concerned that they will not be able to pay it at the discount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Good morning, I am filing a third complaint in regards to my online banking I had with chime. I ran into a issue with chime during sometime around XX/XX/2020. The issue that I came across was my account being closed due to not being in compliance with the policy! I was very confused but was willing to take any additional steps to retrieve my account and also my balance so I have been in compliance with them! I have sent over legal documentation from 1099-C forms, documentation from the state of Illinois stating I received my benefits rightfully, personal statements and much more info asked of me from Chime but I was still found to not have sent over enough sufficient information an have been refused the right to receive my refund back! I am very upset and its highly disappointing to trust a banking system them have your money stolen right from you by a company you thought you can trust! I am still being told to get in contact with the originator who deposited the funds to my account during the time it was opened ( which I have multiple times ) but I was informed it would be up to chime bank to release my funds. I unsure as to why I cant retrieve my refund when its rightfully my money and have given more than a sufficient amount of information to prove so!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My XXXX  XXXX XXXX XXXX was repossessed by Capital One Finance. I was not notified of the sale of the vehicle I was only sent information after the sale and what amount was received. I reviewed the code of VA regarding repossession and the rules were not followed. I received no notice about the auction time date or place. I advised Capital One of these facts they have had no response. My vehicle was illegally taken the regulations were not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I submitted an application to get a quad loan. Instead Cash Net USA came up and the stated they will handle my loan. I called the young lady that told me about the quad loan, she told me that none should be involved and quad is a app that you download to get a small loan for small purchases. Cash Net had approved me for a loan in the amount of {$1400.00}. I'm a senior citizen on a fixed income, I only get money once a month and I can't afford to pay the type of money back. Also their system read that the name wasn't matching the information I provided. I used my maiden name and XXXX contacted me, because they have my married name on file. I explained this to the representative and I was told to spell my name using upper or lower case. I immediately tried to contact their company to cancel that transaction. I never received a response that the transaction was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
On XXXX XXXX I requested information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Early Warning Systems via certified mail. There was no response, so on XX/XX/2021, I requested that the account for XXXX be removed from my credit report, which they received on XX/XX/2021. To date I still have not received any information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
The medical debts for the amounts of ( {$190.00} and {$38.00} ) they put on my credit on XX/XX/2021 were supposed to be covered by my healthcare insurance. Because when I went to the emergency room the only payment I was asked to pay was the co-pay and I was told by the emergency staff that the insurance will take care of the rest. I've already clarified this matter in multiple occasion that they should review their medical bill coding system, because my healthcare insurance stipulates that I should only be responsible for on the copay. 

I explained that in multiples occasions to these debt collectors they keep putting this on my credit and messing with it. At this point, I'm seeking damage reparation on my credit. Below is their address and phone number : ( XXXX ) XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been disputing 2 different accounts that I feel are showing up on my credit report in error and have not received a response from the credit bureaus. I have sent several letters to the credit bureaus to investigate these accounts. I started this process on XX/XX/XXXX initially to get this erroneous information removed from my credit report as it is inflicting serious damage to my score. I received a response from that dispute. However, I sent another letter to themXX/XX/21 and XX/XX/21 and received no response. I feel like my requests are being ignored and a proper investigation has not been given. There are clearly errors that I have pointed out in the letters that I have sent. It is my right to have my credit report present accurately and without errors. In addition to that, I have also been requesting that my personal information be updated. I have requested this several times. I do not want several variations of my name appearing on my credit report or several different addresses. I have expressed how my name needs to appear across all 3 credit bureaus and my current address and for good reason. With identity theft at an all time high, I think this is very necessary to help to reduce the chances of this happening to me. I feel like my rights are being violated and I want these issues to be fixed immediately.

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 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI

Complaint narrative:
HRRG has sent me multiple fraudulent medical invoices to collect a debt that is not valid. HRRG fraudulently backdated the letter sent to me ( dated XX/XX/2021 ), on the letter it stated I have 30 days to respond in which I still responded within the time frame even though I received the letter on XX/XX/2021. HRRG ( Healthcare Revenue Recovery Group ) has violated 12 FDCPA consumer laws within their letter to me attempting to collect an alleged debt. The alleged debt amount is {$1300.00}, which is not mine. I have attached the documents below that I sent in correspondence to HRRG.

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 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone have taken my identity with Fifth Third bank. The account number ending in XXXX. I have filed a police report and there have been multiple charges to my account with my permission and knowledge. Someone have got a hold of my account and stole funds and Fifth third is saying their going to close my accounts and end the banking relationship for something I didn't do or have any knowledge of. I have been a victim of identity theft. I want this to be investigated properly and for them to explain why I am being held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent letters on XX/XX/2021 to the 3 major credit bureaus about things that are completely wrong on my credit report and have not heard responses from either bureau. I want an investigation and the damaging items to be removed so I can move forward with trying to get a loan for a house.

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 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I had purchased a puppy from a breeder using XXXX when I was a part of PNC Bank. Within minutes I realized it was fraud and immediately contacted my bank. They said they would cancel the payment, yet the next day {$750.00} was withdrawn from my account. My bank said and I quote : you can file a dispute but well never accept it. You can keep filing but well keep denying you. I filed a police report and disputed this two separate times. Within a week I had four more unauthorized payments on my account, even after changing my car number, and my bank refused to help me with these as well. I eventually left PNC completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021, I was sent a fraudulent check ( {$1300.00} ) as payment for furniture I was selling during my relocation process for a new job. Using the online check deposit system for Bank of America through their mobile app, I cashed the check and the full amount of the check was deposited into my checking account. Note that there was no disclaimer or information conveyed to me the customer that the amount deposited to my account was NOT final and could be subject to being clawed back if the fund transfer didn't clear in the next couple of business days. Given that the funds were immediately available to use in my account, and there was no disclaimer that the funds weren't guaranteed until the checks cleared behind the scenes, I was lulled into a false sense of security and paid " movers '' ( fake entity as part of a scam ) using XXXX from the balance of the check above the value of my furniture. The next day, XX/XX/2021, I was sent another fraudulent check ( {$2600.00} ) from the same party for another transaction in which I then paid " movers '' unsuspectingly because of the lack of disclaimers and information conveyed by Bank of America about the way they process checks. The next day, Bank of America pulls the balance of the first check back out of my account because they discovered it was fraudulent when processing it. The following day, I called customer service to figure out what is going to happen to the balance of the second check since it hadn't been clawed back in the same timeframe that the first one did. I also let them know about the scam situation/fraud, and they told me that, if the second check hadn't been clawed back at the same time as the first, then it wasn't going to be taken out of my account. They then close that account after I transferred the account balance to a new account with XXXX bank. They later reopen the account because they overdrew it when clawing back the balance from the second fraudulent check and are threatening collections if the account balance isn't brought back to 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