vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I have contacted Citizens bank numerous times regarding HELOC reset. When they called me back, they left a very unclear message in a broken English. The voicemail massage probably came from someone overseas, and the number they gave me is for a different business. They called me back only after 3-4 calls to servicing, including on with a supervisor Mat. He was not able to provide a  number to call regarding modification. 
When I spoke previously with a different rep, he told me to call XXXX, where they were unable to help me. I received confusing letter and loan statements. I am constantly being referred to someone else, or told to wait for their call back. I have paid them on time for a decade and want to avoid foreclosure by modifying the loan. Please help. 
My contact info is XXXX or XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by SHERMETA LAW Group PLLC, Third ( 3rd ) complaint! This is with regards to information obtained from the SHERMETA LAW GROUP resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from SHERMETA it has an old address even though my current address is in their files. See included 3 letters each showing correct address from SHERMETA LAW GROUP and XXXX XXXX clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from SHERMETA LAW GROUP is in the mail to me at my current Address!

My complaint is that SHERMETA LAW Group PLLC had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by SHERMETA LAW Group PLLC in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, MI XXXX in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My son hurt my credit .He started to rob me when my wife died in XX/XX/XXXX. I had perfict credit. My wife kept he in check. 
However, when she died he wante every thing from. 
He forced him self into my Home at XXXX XXXX XXXX. 
He forced me out of my own home and now I live at my camp at XXXX XXXX NY for the past 4-5 years now. 
He XXXX XXXX XXXX, the animal we call him lives on XXXX XXXXXXXX in XXXX NY XXXX. Phone is his XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The animal 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Make him pay all the bad credit he did to me in XX/XX/XXXX Just a few months after my wife passed and he did so much dammage to me over and over. He is classafied as a XXXX Lirer ... 
The XXXX XXXX XXXX  he opened in XX/XX/XXXX and ows $ about XXXX dollars. I did not do any of this. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX I hope you can get me some help if, you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
1. We were promised 18 months interest-free, same as cash payments. But, if we fail to make a payment, then the accrued interest ( a whopping 29 % ) would need to be paid.

2. However, from the first month 's statement, it is clear that it is only 17 months. That is, even we if we paid the 18th payment on time per their statement, we would still accrue full interest. 
3. Besides, they never acknowledge a payment by an email.

4. They will not allow automatic payments.

5. All the above is a clear sign of deceptive practices intended to rip off the customer.

6. Details ( please read along with attached statement ) : a. 1st payment due is on XX/XX/XXXX. 
b. 2nd payment due is on XX/XX/XXXX. 
c. ... ... 
d. 17th payment due is on XX/XX/XXXX e. 18th payment due is on XX/XX/XXXX ( this will disqualify the consumer from promotion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Contacted XXXX concerning account that has been charged off in the amount of {$8600.00} from {$10000.00}. The amount is incorrect on my credit report showing {$4000.00} which is incorrect. XXXX also posting monthly that {$50.00} is past due when no arrangements were made on this account. I realize the my son defaulted on the loan however, I was trying to understand why the charge off amount continues to increase every month. I asked for information on how they are posting on credit reports {$50.00} is due and is past due. I was put on hold repeatedly advising that they were checking on this issue but never returned to the phone and left me on hold for 25 minutes.

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 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
Today at XXXX XXXX XXXX from Franklin Collections called me for {$360.00} for XXXX XXXX XXXX XXXX. She stated its {$150.00} for equipment and services back in XXXX. She also stated that its going to hit my credit if I didnt pay. The equipment was returned to XXXX in XXXX and they have acknowledged this in XXXX. I told her this and the fact that I currently have XXXX. She began to lie and refused to give me the address to her company. She the retracted her statement and stated she said it was pending to hit my credit. XXXX refused to give me the account number associated with her company and the address. She went as far as to place me on hold to take another call and refused several times to give me the information. This matter was resolved almost five years ago. I currently have their services. XXXX then began to make up lies of me having to pay a fee to get services. I had to ask several times for the address, account number, and for this fraudulent collection to be sent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
As an employee my job is to XXXX XXXX to their XXXX XXXX. The child was underage and to be seen she signed my name on the documents. I am not the patient, I am not related, I am just an employee of an XXXX XXXX XXXX XXXX in a XXXX XXXX. I was billed for medical expenses for account number XXXX for the amount of XXXX and for XXXX XXXX XXXX   XXXX. I am not responsible for these bills and would appreciate my name being taken off any statement regarding this child. I work for an XXXX that should be billed and you can bill the company not the employee or her medical information. I did not allow or give the child permission to use my information to be seen by these medical professionals. I do not want my credit score or personal information affected by this as I work very hard to be in good standings financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: VANGUARD FUNDING LLC
State: MI

Complaint narrative:
In XX/XX/2014, I visited Vanguard to open a roth IRA using this link ( https : //investor.vanguard.comXXXX XXXX ). I clicked on the button that read " open your IRA today ''. After following a number of  prompts and answering several questions, a savings account was created. I wanted to open a Roth IRA, not a savings account. At the time, there was no indication i was not opening a Roth IRA. I was sold a product that I did not want. The process for opening an IRA was misleading and not straight forward. Vanguard has stated that there's not much they can do. My retirement planning is in jeopardy as a result of this event. I have treated the account as a roth IRA in regards to the contributions and never moved money from it. Vanguard did not properly and transparently disclose the product I was purchasing and their sign up process is not easy to answer. It's likely other consumers have also purchased products they did not intend to due to the lack of disclosure.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-12 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: MI

Complaint narrative:
I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX  kids and my oldest is XXXX and legally XXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each 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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A background check revealed criminal behavior, expired drivers license ( misdemeanor ), that is over 7 years old. Yes, I was guilty as I had my hands FULL due to a death in the family, but it should be removed from the record due to its date of occurance. According to the FCRA, information like this should be REMOVED after 7 years, but it's not!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Around 2014, I went to a Wells Fargo branch to open a checking account for my small business. I needed the account to help process credit card payments. I own my business, and don't necessarily do many transactions in one month, explained this to the teller and they recommended a business checking and savings account. I understood that if I made a recurring transfer of {$150.00} into the savings account every month, then there would be no other fees associated with either checking or savings account.

Now I was just looking at my statement and saw a " monthly service fee '' charged by Wells Fargo for {$14.00}. I then did a search and saw that this has happened four times, totaling {$56.00}. I called Wells Fargo, and they informed me that in XXXX, my account had been " upgraded '' to a " Business Choice '' banking account. They said they " informed '' me of this upgrade on my monthly statement that I only receive electronically. The Business Choice account apparently has a service fee if the checking balance is below {$7500.00}. 

I did not consent to my account being changed. I opened that specific type of account for a reason. This is my money. They should not be able to change it to a different structure just to fit their profit requirements. 

Even if they did need to change the account type, I didn't receive the notice at all. Changing my account type by informing me in a monthly statement is completely unreasonable. No one would expect that to happen in a monthly bill. 

After several transfers on the phone and having to request to speak to a manager, Well Fargo did refund the money, and I was able to set up another account. However this took yet another fee. 

This is totally unacceptable. Wells Fargo has been trying to rebrand itself after several disasters of destroying public trust. Obviously, the system is still broken.

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 2018-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
IN REGARDS TO ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX I HAVE DISPUTED THIS ACCOUNT WITH THE BUREAU AND IT HAS COME BACK VERIFIED AS ACCURATE AND THIS CAN NOT BE RIGHT BECAUSE THIS IS NOT FACTUAL. THIS INSTALLMENT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED AND I HAVE PROVIDED PROPER DOCUMENTATION AND THEY HAVE REFUSED TO REMOVE THIS NEGATIVE ITEM FROM MY CREDIT REPORT.I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION HAS BEEN USED TO OBTAIN GOODS AND SERVICES I NEVER AUTHORIZHED OR SIGNED FOR.

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 2018-07-12 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:
I have been place under XXXX XXXX without my consent. 

My loans were originally under XXXX. I made payments to them starting in XX/XX/XXXX when my 6 month deferment period after graduation had ended. I enrolled in the Income Based Repayment Plan and made payments of {$130.00} monthly. 

I then had my loans transferred to XXXX XXXX from XXXX  because I enrolled in the XXXX XXXX XXXX XXXX program. I was eligible through my employment at the XXXX XXXX  XXXX starting in XX/XX/XXXX. 

I faced problems initially when my loans were transferred because they lost my XX/XX/XXXX payment and did not recover it till XX/XX/XXXX. But this was only the beginning and is not the main issue I am concerned about. 

I made payments of {$130.00} every month on time until XX/XX/XXXX when my account was put into XXXX XXXX without my consent. I qualified for deferment when I was accepted for my masters at the XXXX XXXX XXXX. However, in NO way did I want my loans put into deferment as my interest would begin to capitalize. I am also capable of making the payments. So why would XXXX XXXX put me into deferment with no authorization or reason to believe I could not make my payment? 

I have no idea and it seems neither did the agent at XXXX XXXX I called. She said this has been happening a lot and that it should not be without an application for XXXX XXXX. She said they will send me an application in 7-10 days to get out of deferment ... Of course during this time my interest is capitalizing. 

I am very concerned about this as it seems this is a VERY common issue with this loan servicer. Please contact me as soon as you can, I would be happy to speak more about this. I know XXXX is currently undergoing an investigation over this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
We got {$16.00} worth of dormancy fees taken off a {$25.00} card. It seems exorbitant.

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 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have the Citi Double Cash Card. As I have redeemed around {$2300.00} in redemptions, I have been redeeming it as " statement credits ''. Since these paid down my balance, I felt these were payments, which payments earn 1 % rewards. When I redeemed points yesterday, there was a message that said the redemption doesn't satisfy the minimum payment required, which prompted me to start to question if they were trying to exclude customers from getting points. I called and sure enough if you redeem points to pay down your balance they don't give the 1 % credit. This is absurd in my mind as I could easily have redeemed for the money to my checking account and then paid down the bill from my checking in which case it would have counted. In fact, I would think this would be more work on Citi 's part and that they would prefer you redeem as a statement credit rather then them having to ACH to your account and then you ACH back for a payment to be able to get your 1 %. I talked to uncaring reps who said it isn't a bank error. Giving me the {$23.00} wouldn't have put me ahead at all, it would have just made me whole had I done the process the way I should have had I been aware I wasn't getting these points. One did give me a {$10.00} goodwill gesture, but I am still out {$13.00}, not to mention other customers who are mislead by this who are also out. They said it is all covered in their rules. I went to their site where they are promoting customers to apply and there is a section that says " What Earns Cash Back : You earn cash back on all your purchases and on payments based on your purchases. You do not earn cash back based on balance transfers, cash advances, account fees, interest or returned items. '' I attached a screenshot of this to ensure they are aware what I have for my proof. It doesn't say anything about reward points being used as a statement credit not earning cash. Seems deceptive to me and all citi cardholders should be reimbursed that have been deceived by this.

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 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX to sign up for personal training sessions. I received a XXXX XXXX XXXX XXXX XXXX and the XXXX that I take causes me to XXXX XXXX which is why I wanted to visit a trainer. I am XXXX XXXX XXXX and have XXXX in my XXXX XXXX   and XXXX in my XXXX XXXX. When I visited XXXX XXXX, I explained this to the representative XXXX XXXX and that I am unable to read the contract. XXXX stated that she would review the contract with me. During this time, I was unaware that the trainers were through a third party company called XXXX XXXX. During my time with my trainer ( XXXX XXXX ), he cancelled XXXX weeks of training in XXXX, XXXX weeks in XXXX, and XXXX week in XXXX. On XX/XX/XXXX I learned that XXXX XXXX was terminated due to credit card fraud. At this time, I submitted a certified letter requesting to cancel my services and cancelled my credit cards to avoid my information getting compromised. I received a call back from XXXX XXXX stating that in order for me to cancel I owe last months payment and {$100.00}. I explained to her that I will not be paying them any more money due to not ever being told I can't cancel my service. I also told them I was not comfortable giving them my credit card information due to the credit card fraud that occurred at this company. I spoke with my trainer after this and he was stating that he could make up the cancelled sessions from earlier and that his checks that he receives from XXXX XXXX bounce. Because of this I paid him {$140.00} through bill pay on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. I continued to receive monthly phone calls from XXXX XXXX about my balance. I repeatedly told them that I was not paying them anything and that my service was cancelled. I also explained to them that I paid my trainer in XXXX and XXXX. I sent them a copy of the receipt and they said they would credit my account. In XXXX, I submitted a complaint to Better Business Bureau in which the case was closed due to XXXX unsuccessful attempts to receive a response from XXXX XXXX. XX/XX/XXXX I then received a letter from Aldous and Associates stating that I owe {$2200.00} because of my agreement with 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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/18 I checked my account online to find 2 unauthorized charges. I contacted them immediately both charges were pending.. they paid XXXX 2 charges {$190.00} {$240.00}. XXXX is slow to get back to me..

Company response to consumer: Closed with explanation