vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
This is the second complaint regarding this bank ( Huntington Bank ). My first complaint was resolved after approx. 2 weeks of fumbled research and was well documented that Huntington made an error ( issuing cashiers checks from a line of credit that I didn't authorize ).

Now, I just received an alert that I set up regarding a transaction that exceeded a predetermined threshold. Upon investigating the transaction I discovered the account no longer exists and I am not sure where the withdrawal of {$550.00} went.

I spoke with 3 people at the Bank and none of which can tell me what happened and why the account was closed. I was sent to a phone number XXXX that is simply voicemail. 

I have no idea if this was fraudulent or if there was another issue. However, I find it very unsettling that financial institution does not have anyone on hand to explain to the consumer what happened. 

This closely mirrors the previous complaint in which I was told there is no one in the Bank to address my concern because it was around XXXX ( not on XXXX ) and there was no one of authority around to remove the hold on my account despite the facts pointing to Huntington as the cause of the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bought my mortgage and soon after tried to cross sell me flood insurance that I did not want or need. I proved this case conclusivly, but Wells Fargo lied that they could force this insurance and they reapportioned my mortgage payments to pay their flood insurance and began foreclosure proceedings. I hired an attorney and we sued them. Wells Fargo ( with your help ) " agreed to '' clean up my account, return all unlawfully escrowed money back into my mortgage payments, and pay {$15000.00} for ruining my credit for 4 years. Wells Fargo asked that I close my complaint with you ( CFPB ) in XX/XX/2018 and then they would settle this case. I did and Wells Fargo paid my attorney {$15000.00}, and then " RENAMED '' their escrow account with me as a " different '' debt instead of returning it to my mortgage account. Wells Fargo was informed of this issue by me and my attorney. They knowingly ignored it, and then ruined my credit again. 
My husband can not retire. We can not get a mortgage on our homestead, We can not refinance investment property or get development loans in some commercial property that we own. Before this Wells Fargo nightmare began, we had planned to refinance a rental home at 3.5 %, to pay off a student loan, and situate ourselves for retirement with a 3.5 % home loan on our homestead. None of this has been possible. My husband is XXXX-years-old, my student loan has grown beyond control, interest rates are climbing far beyond 3.5 %, and a personal loan with a family member is being called in. 
Please reopen the complaint that you closed in XX/XX/2018. Wells Fargo has breached their contract and settlement with me. The costs to settle this case are the costs for me to reclaim my plans listed above. Please note that the issues listed are not " mistakes, '' but instead predatory acts by Wells Fargo.

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 2018-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
There are 5 total entries by Credit Systems ( International ) on my credit report : # 1 - XX/XX/XXXX = {$520.00} Date of 1st Delinquency of XX/XX/XXXX # 2 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 3 - XX/XX/XXXX = {$40.00} Date of 1st Delinquency of XX/XX/XXXX # 4 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 5 - XX/XX/XXXX = {$61.00} Date of 1st Delinquency of XX/XX/XXXX I have sent repeated disputes to XXXXXXXX  ( which resulted in a breach in my credit! ) /XXXX  and have discussed it with Credit systems on the phone as well.

I had 1 XXXX in XXXX of XXXX and before I could have this XXXX, I had to pay for all of this beforehand, in full or no XXXX! I distinctly remember standing there having to wait on the person at the desk as they decided how much it was going to be as well. Not only that, as you can see two are the same amount - hence it's been duplicated! 

I have repeatedly asked that these be taken OFF my credit report with no success and need help seeing as they think they have the right over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: NY

Complaint narrative:
Im showing client name : XXXX XXXX XXXX ( Collection agency ) Dating back to XX/XX/2015 for the amount of {$740.00} This is not an account that I never had or was responsible for paying for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On are about XX/XX/2018, I purchased software from XXXX this was a straight purchase not reoccurring monthly billing in other words I purchased the software out right. 

To my suprise and without my consent or knowledge XXXX with the help of Citibank set-up my card for reoccuring charges. 

I never authorize XXXX to retain my credit credit information or consented to any reoccuring charges. I immediately reached out to Citibank and asked them to remove XXXX and several other vendors from doing reoccuring charges explained I never consent nor was it ever disclosed these companies were maintaining my credit card information. 

Citibank refused to remove the vehicle for vendors to do reoccuring charges told me I had to reach out directly to all vendors. 

Citibank is responsible for the privacy and charges on my account and refused to take any action to stop this practice. I reached out to XXXX whom claimed they had not knowledge of the account being set-up for reoccuring charges. 

I immediated emailed XXXX a copy of the statement showing where my Citibank account was set-up for reoccuring charges and they denied taking such aciton blame this on Citibank and refused to take any action. 

Therefore, I am reaching out once again to CFPB for consumer protection against the voliation of privacy and security.

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 2018-12-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following credit inquiries are fraudulent, unauthorized, not mine and from the XXXX XXXX XXXX XXXX XXXX  XXXX  major data breach that occurred on XX/XX/2018 : XXXX  XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.

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 non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX I made a call in to XXXX by Goldman Sachs Bank to close out a Certificate of Deposit Account prior to its maturity on XX/XX/XXXX. As a result of this call, I have the following complaint. 

COMPLAINT : During the call, the representative said that the account had paid enough interest that an early withdrawal penalty would not be taken from the principal of the account. This was troubling to me as I did not recall seeing that early withdrawal fees could be deducted from the principal of a CD account. Upon inspecting the Deposit Account Agreement ( LINK 1 below ), I found the following language on PDF pg. 7 : `` An early withdrawal penalty could result in the reduction of the principal. '' ( This line is underlined the in the attached screenshot ) XXXX  ' `` High-Yield Certificate of Deposit FAQs '' page specifically the subsection titled `` What fees or penalties are associated with my CD? '' ( LINK 2 below ) is a near duplicate of the relevant section from the Deposit Account Agreement but omits the line regarding principal reduction. I find this omission dishonest and misleading to consumers. 

I submitted the complaint above verbally to a different customer representative at XXXX via phone call. 

LINK 1 : XXXX : XXXX LINK 2 : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: GREAT LAKES
State: MD

Complaint narrative:
I have a student loan with Great Lakes. Without asking me, they signed me up to have all bills and payment information sent to an email that I do not regularly check. When we called to find out why we were getting past due notices but had never gotten a bill Great Lakes told us that they automatically send all bills via email, without asking first if that is what we want. 

Great Lakes should not be permitted to choose the delivery method of bills and payment information. The customer should be allowed the option to choose their delivery preference. Because of this we were unaware that a payment was due, and were charged extra interest. 

It is unfair to communicate only by email, without first asking if that is okay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Person was selling XXXX Tickets on XXXX 'XXXX  XXXX We reached a price for 4 tickets to XXXX Game on XX/XX/18, the plan was to transfer tickets using XXXX Ticket Transfer on-line tool. Seller suggested we use XXXX to make payment since XXXX transfer fees were really expensive. Seller gave me his XXXX e-mail XXXX and i transferred {$400.00} from my XXXX XXXX account, that was linked with XXXX. Seller used cell phone number to send and receive text messages, seller cell number is XXXX I called XXXX and learned that the order number was fraudulent and there was no way to track who this person is. I also called XXXX XXXX and submitted on line fraud claim. Claim Number XXXX, phone number for XXXX XXXXe On-line Fraud is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I have been having a problem with my escrow account for the past 12 months. When we set up our mortgage on XX/XX/XXXX, in our Initial Escrow Account Disclosure Statement ( Attachment 1 ) it stated that our property taxes would be dispersed in two installments. The first installment was scheduled to be taken out in XX/XX/XXXX. The second installment was scheduled to be taken out in XX/XX/XXXX. Our mortgage company Nation Star Mr.  Cooper instead dispersed the full amount in XX/XX/XXXX causing a shortage in our escrow account. In XXXX of XXXX we spoke with XXXX XXXX of Nation Star Mr. Cooper and after discussing their mistake we agreed to allow the shortage for the year of XXXX, despite the fact that this significantly raised our monthly mortgage payment. Mr. XXXX assured us in an email on XX/XX/XXXX ( Attachment 2 ) that the following year our property taxes will be dispersed in semi annual installments. 

In XX/XX/XXXX we received our tax bill ( Attachment 3 ) that showed the option of paying semi annually or in one full installment. We decided to be proactive and verify that our property taxes would be paid semi annually by calling XXXX XXXX of Nation Star Mr. Cooper to confirm what had been arranged with Mr. XXXX the previous XXXX. She assured us that their previous mistake had been corrected. Ms. XXXX assured us of this over the telephone and in several emails ( Attachment 4 and attachment 5 ). She  assured us that the first installment was already made and that the second installment would not be made until XXXX. On XX/XX/XXXX the second installment was made, though it should not have been made until XXXX. This mistake once again has caused a shortage in our escrow account. I contacted Ms. XXXX on XX/XX/XXXX and she told me that she shared my frustration and that she is working on resolving the problem and that we would get a refund of the second installment. After several days we had not heard from Ms. XXXX and on XX/XX/XXXX I sent her an inquiring email to which she replied on XX/XX/XXXX. Ms. XXXX 's reply stated that nothing could be done about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In a response letter written by your company, on your letter head, you documented under the section labeled " Late Fees '' : " The {$1000.00} was waived on XX/XX/2018 and is visible on the enclosed Monthly Mortgage Statement dated XX/XX/2018. 
As of the date of this letter, ( dated XX/XX/2018 ) the account is due for XX/XX/2018. '' I anticipated all corrections to be shown on the XXXX bill ... paying the requested amount at the end of XXXX and at the end of XXXX, which was documented and received by Select Portfolio Servicing , inc . 
But as I waited for the XXXX bill ; upon arrival, it shows not the approximation of 1 month past due per the attached documented amount. 
If as of the XXXX letter from you to me I was 1 month past due, ( owing for XX/XX/XXXX ) how is it that as of the XXXX bill, there is a reflection of " Past Due Payments '' in the amount of {$1900.00}? That amount is over 2 Payments! 
This bill therefore reflects a total due of over 3 payments. 
The online payment screen shows no correction in monthly payments and reflects a monthly payment due of {$980.00} instead of {$940.00}, per your documented XXXX XXXX correction letter. 
In all of this, I have STILL NOT MISSED A PAYMENT. Your records reflect a payment made each and every month. Why is there a " Unpaid Late Fee Charge '' of {$93.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I wrote to Experian to have them update/correct my personal information that they have on file. As of XX/XX/2018 they refuse to remove incorrect information from the files they have on me. This is a clear violation of the FCRAs. These same false address are still appearing on my file as of XX/XX/2018. Please have Experian remove these addresses ASAP. 


Again please have them remove all other addresses and names other than stated above.

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 non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Accounts Service
State: CA

Complaint narrative:
I was sent a collections notice by mail regarding a medical service I obtained from XXXX XXXX XXXX. The debt they are seeking to collect is not owed by me. I had reached my deductible at the time that I sought medical treatment from the provider XXXX XXXX XXXX. If any balance remains due to the provider it should be processed through my insurance provider XXXX from whom I have received no notice of balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One has a computer glitch which they are not disclosing to credit card users. Capital One made a zero percent balance transfer offer to consumers. Consumers who opted for the offer had the balance transfers show on their statements as a new purchase ( instead of balance transfer at 0 % ) and billed/charged 19.65 %. Capital One says it will take one to two months to fix the glitch. While Capital One works on their glitch, consumers are being told that they must make the minimum payment as due with the zero percent balance transfer being billed as a new purchase at 19.65 %. Capital One is not offering any options to consumers saying only they had a glitch which they have failed to notify credit card users about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
In XXXX of 2018 I took out a {$500.00} loan with Money Lion. The loan agreement I signed said that I would be paying back {$19.00} biweekly. Since then I have kept up with every single loan payment as agreed to. 

However, Since XX/XX/2018 I have also been charged {$36.00} biweekly for a " membership '' fee. A membership that I neither knew about or signed up for. Multiple times I spoke with money lion in regards to refunding my money and stopping this fee, but they would not. My bank had to block them from charging the {$36.00} and only allow them to charge the {$19.00} loan payment, because I do want to pay back my obligation. 

My bank attempted to recover approx. {$800.00} that money lion has taken from me in the form of " membership '' fees. But they were not because MoneyLion provided them " proof '' that I signed a membership agreement. This agreement contains no actual signature just my typed name and a date. It does not even include a time or IP stamp to validate that I actually signed this. And the reason it doesn't, is because I never signed a membership agreement. None of my loan paperwork references this agreement. Moneylion just takes it out of your account by surprise.

I would like either proof I personally signed this agreement or my money refunded.

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 2018-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Tried to get my annual credit report from XXXX. XXXX   and XXXX worked fine but Experian is being difficult. I get the cryptic message " A condition exists that prevents Experian from being able to accept your request at this time. ''. Tried to call them but their infuriating automated system makes it impossible to get a human. Tried to sign up for their 'CreditWorks Basic ' to get some insight and no luck there either. Please help.

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 non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I spoke with multiple XXXX  customer service employees in various departments at their main customer service number. After 2 hours on the phone I was advised that I am no longer permitted to make purchases on XXXX with my XXXX   XXXX, the XXXX store credit card. The only explanation provided was it was due to an abnormal order history. I have no idea what that means and the final representative hung up me. I was advised there is no recourse to change this. I do not understand what is occurring and would like to continue to make purchases on XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I received a phone call from a Debt collector from Colorado ( phone # XXXX ) and I asked them to Stop calling. ( They've got the wrong person!!! The XXXX calling Itself XXXX with XXXX XXXX called me back and left me a lengthy, DEMANDING message giving ultimatum that I should Call XXXX xt XXXX TODAY to talk to her! The XXXX said this message is for " XXXX XXXX ''. I am NOT that XXXX they are looking for, This is NOT XXXX  or XXXX XXXX # there may be a Last name resemblance but not all XXXX XXXX XXXX are the same! They probably dug my # from the Internet thinking I am related to the debt owner that did not pay it's debts. I have a perfect credit with 800+ score and pay my bills on time, I don't owe anybody jack! This XXXX  better STOP BOTHERING ME and calling my Cell repeatedly for some XXXX XXXX debt. I am Not providing my address or email or phone number in the required fields as I don't want the debt collectors to access my other personal contact Info and gain more ways to contact and harass me. This is a Complaint to let you know that the WRONG person is being Harassed by debt collectors..

Company response to consumer: Closed with non-monetary relief