vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
case # XXXX The Huntington National Bank I received a letter from The huntington National bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX regarding lender paid private Mortgage Insurance I ask the PMI department to drop the ( {$48.00} ) I received a letter informing me that I have reached the 78 % LTOV and 5 years requirement to have PMI drop but the bank will not drop the insurance, I have called, sent in letters also emailed the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
When I was shopping for a personal loan, I was offered a personal loan/line from WELLS FARGO for up to {$100000.00} at an Interest rate of as low as 9.24 %. With near perfect credit score of XXXX ( according to XXXX ) and over {$70000.00} in IRAs. I also have land valued at over {$300000.00} and a house ( being built ) valued at over {>= $1,000,000} ( when finished ). I currently only have 1 outstanding debt, a truck loan that I got at 0 % interest. All payments have been on time. 
I was recommended switching some or all of my direct deposits to WELLS FARGO, and starting a checking account, which I did. 
I showed up with tax returns, XXXX, etc. 

WELLS FARGO countered with {$30000.00} at over 12 %. 
A BATE AND SWITCH. 
Their reasons/excuses 1. Our credit was too low. XXXX? ( WELLS FARGO has XXXX with XXXX ) 2. Not long enough credit history. I have had continuous credit since XX/XX/1970, I have had car loans, mortgages, credit cards and dont know what else. 
3. Portion of loan balances to credit limits on revolving accounts too high. Again all credit cards are paid off monthly, leaving a XXXX balance. 
4. Too many accounts with balances. I have one loan ( truck loan ) because it has 0 % interest. Original loan {$40000.00}, paid down to current {$12000.00}. All payments on time. 
I tried to discuss and resolve the issue in person with no results. 
The fact is it is a BAIT AND SWITCH! WELLS FARGO IS A FRAUD!

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 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
On XXXX2014, this debt for { {$250.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I ran my credit report via XXXX XXXX  on XX/XX/XXXX. On XXXX report there was a hard inquiry from SYNCB/JCP which apparently occurred on XX/XX/XXXX .I called the phone number listed on the inquiry and spoke to a rep which ran my social and said there was no inquiry made they had no information pertaining to me. I then called XXXX and was told they could only remove the information from my report if I submit a deletion letter from the company who made the inquiry I told them SYNCB/JCP said they have no info on the inquiry in question then was told to have them mail me a letter stating they have no information or account with my information. I called back to SYNCB/JCP   and was told since there is no information they can not send me anything in regards to the inquiry however the rep I spoke with said she can guarantee there is no account and no inquiry with my information I said well if you guarantee it I will be needing a letter stating that so I can remove this from my credit report. I was told again no letter can be giving being there is no account info or inquiry on file. All I want is for this inquiry to be removed from 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 non-monetary relief
Consumer complaint received 2018-04-13 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from one main finincial. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
XXXX XXXX hilds the debt on my credit cards. I have been diagnosed with XXXX XXXX and asked if there was a way to consolidate these bills so my credit was not ruined. It has been months and I am very sick. This company continues harassing me at work even after repeated verbal communications to cease. I have been yelled at, verbally attacked iver these bills. Had they helped in the beginning I would not have accrued the interest that has run these bills to a level I am in no position to pay. I firmly believe this hardship was done on purpose as poor business practices and should not be allowed to ruin me financially when I attempted to wirk with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from XXXX XXXX XXXX. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever

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 2018-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX a fraud claim was resolved in my favor. 

However, US Bank did not handle the claim properly. There was multiple transactions for this hotel between XX/XX/XXXX and XX/XX/XXXX that were not added to the claim. 

I called US Bank on XX/XX/XXXX to add these transactions to the claim. Since that date, US Bank has been unable to issue provisional credit on my account because there is a debit/credit block. 

I have called every manager to no avail. Noone has been able to lift the hold on my account.

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 2018-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At XXXX on theXX/XX/XXXX I went into the Bank of America Financial Centra  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. 

The reason for my visit was to withdraw cash out of the ATM machine inside the Branch. 

My issue is that I tried to withdraw {$200.00} cash out of my checking account, the process went through, however no cash came out of the machine. Because of this, I further withdrew {$100.00} because I still needed cash and I received the {$100.00} full amount. 

I ended up looking at my mobile banking and I realized the {$200.00} was in fact taken out of my account. 

I visited the Branch the next day on theXX/XX/XXXX to inform them of this mistake. They ended up lodging an claim for me. This claim was rejected upon there review. I appealed this and asked for access of the video footage, they said they couldn't share it with me and said they'd get back to me. 

I asked the to see if I withdraw cash out twice, they said they'd get back to me, no response until they told me my appeal is rejected. 

I'm frustrated because a few days after this original issue, I had an automated direct deposit taken out of my checking account and I was charged an overdrawn fee of {$35.00}, but if I had that extra {$200.00} I was stolen from BOA, it would of covered it.

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 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took out a loan with Wells Fargo Auto the loan was {$17000.00} with a daily fee simple loan at 3.24 % interest rate.. i have only one late payment since the loan started XXXX XXXX  14 I At the present time the loan is {$7700.00} i have notice over time that due to the type of interest on loan the interest payment has jumped a few times Last week the interest jumped up over {$13.00} On the payment making it {$35.00} so as I'm am paying down the loan the interest is going up.. i called wells fargo and went into battle with customer service, she screamed at me i don't understand the type of loan i took out and if i pay at different times it incurs higher intrest So i did caluculations of the loan XXXX x 3.24 % interest over 365 days = XXXXcents x30days = XXXX  not {$35.00} I have now gone to another bank to refinance theloan to pay off Wells Fargo.. they sent me doucuments they printed themselves and at XXXX i should be paying {$18.00} in interest please beware of 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 2018-04-13 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: FL

Complaint narrative:
Today, XX/XX/2018, I contacted Experian about report number XXXX. I spoked with a XXXX, who then transferred me to an account specialist named XXXX out of the XXXX, TX office, with team ID : XXXX. Not only was XXXX very rude, but she refused to delete incorrect information reporting to Experian. My last name has been legally changed and I asked XXXX to remove the incorrect versions of my name, XXXX and XXXX, as well as the other versions of my name that wasn't incomplete, since she couldn't add my new last name, XXXX, to my credit file. XXXX refused to delete the various variations of my former name. I then told XXXX that there should only be about ten addresses on my credit report, but for some reason, there are over 60. I told XXXX that most of the addresses belonged to family members, as I am an XXXX XXXX, as well as to my mother. 

The addresses that are not valid and should be REMOVED are : XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL 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 non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I received a letter from Equifax stating that i requested an initial fraud alert on my credit file. I never did no such thing. Tried to get in touch with Equifax & its impossible to talk to someone. They say this fraud alert will stay on my file for 90 days & they notified XXXX  & XXXX also. I never requested this & i want it removed immediately. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like to remove unthorized hard inquiry from Capital one. 
When I pull the credit report it still shows an hard inquiry..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: UT

Complaint narrative:
Ditech Financial is continuing to report a balance and collect on a debt, for a house sold. The balance was taken care of, and also this debt is past the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: ME

Complaint narrative:
In 2016 I terminated my account with XXXX and paid a fee in excess of {$300.00} dollars for early termination. I asked repeatedly if my account was closed and was told my balance was XXXX and my account was closed. Six weeks later I received a bill for {$130.00} which I called about right away. I forget what they said the charges were for, but its totally bogus. XXXX  is a lying thieving company. Anyway, they sent this {$130.00} to collections, and the debt has changed hands a bunch of times. I have been called *at least* three times a day about this erroneous charge for years now. sometimes at XXXX! as late as XXXX! I'm exhausted, but I am so angry about their bogus charging me and then harassing me for years that I simply will not pay. Their product and billing was horrible to begin with and I feel like they're sticking it me for leaving. Please, please make this stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am responding to the letter from Resurgent Capital Services dated XX/XX/XXXX. This was attached as a response to a complaint created with CFPB. In this letter, Resurgent Capital Services, states that their records indicate that I submitted a fax dated XX/XX/XXXX requesting that their office cease communication. I did not create nor send their office any fax. The fax that they attached to their response is fraudulent. It does not bear my signature and appears to have been created as some type of word document. It also bears the number of XXXX, which is located in XXXX, Georgia. I do not and have never resided in XXXX, Georgia. Resurgent Capital Services fraudulently created that letter/fax. My correspondence with their office has only been via letter with my signature, most of which were sent certified, as well as through Consumer Financial Protection Bureau. In addition to this, my correspondence has never included a request to cease and desist, but has been requests for debt validation that their office failed to provide. In their letter, it states that, Resurgent takes its customer service and consumer protection obligations very seriously Clearly it does not as their office has created a fraudulent document to justify their collection attempts on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
This problem concerns Regulation E and disclosure requirements regarding electronic debit and credit transactions. My bank is Fifth Third Bank. The account at Fifth Third was previously handled by XXXX XXXX and other institutions. As part of my regular account transaction activity, I receive Social Security deposits, transfers from another financial institution, dividend payments, and make EFT payments for natural gas, health insurance, life insurance, etc. As part of my account package, I received monthly paper statements via postal mail through XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I did not receive mailed paper statements. Further inquiry into the situation found that I was set up for paperless statements, something that I never authorized. At the time of this " missing statement '' inquiry, I was also informed that the bank would charge {$3.00} per month for paper statements. I never received prior disclosure that the bank was going paperless. I am an senior citizen and do not want online banking and do not have a smart phone. I thought it was my right under Reg E to be notified about electronic funds transactions within 30 days of occurrence. I also thought that I am to be notified regarding changes in account practices by a bank if they choose to charge for basic services. I typically maintain a {$1500.00} balance in my account and have a loan at the bank that is paid monthly to avoid additional checking account fees. Please let me know how this bank was able to make unauthorized changes to my account, stop notifying me of the electronic debits and credits, and create a new service charge routine from what was not previously in place without notifying me. I am very comfortable with the local branch management and believe that these problems originate from corporate office decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a five year home equity loan with Citibank. I had two years left on the loan before expiration and decided I wanted to extend it to a ten year loan. I contacted them and started the loan process to do this. I was approved and obtained a ten year home equity loan. After all the paperwork and legal documents were processed I was the loan became effective I was billed {$1100.00} for terminating loan before it's expiration. I had no idea there were fees to be billed because I was under the impression I was only extending out the first loan for a longer term. At no point did anyone I dealt with disclose or make me aware of these fees or I would not have chosen to proceed. I tried to discuss and clear up with the rep I dealt with and she also agreed that they didn't disclose this fee to me. She as well as myself have been unable to get these fees reversed. I sent a letterXX/XX/XXXX to Citibank to consumer credit, another XX/XX/XXXX also to consumer credit and also on XX/XX/XXXX to Citibank attention XXXX XXXX. On XX/XX/XXXX I sent a fax to XXXX XXXX at Citibank and had numerous phone calls with XXXX XXXX and Consumer Credit at Citibank. No one was able to resolve this for me. In the state of FL there are full disclosure laws. None of these fees were disclosed to me at the time of the loan or I would have chosen not to do so.

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