vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I have a mortgage with XXXX XXXX for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. 

I have been paying consistently on this loan and expected that it would be satisfied in XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XXXX. 

At the time of the loan origination XXXX XXXX had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. 

I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. 

OnXX/XX/XXXX I had a conference call with both XXXX XXXX and XXXX XXXX. The person from XXXX said that their process was to have the borrower do an automated phone call to set up the loan schedule and that confirming documentation would have been sent. I do not remember any such call. It is my contention that they set up my loan schedule without consulting me because I never would have approved something that only saved one year off of my mortgage. This same person indicated that he was sending the same package of documents to me so that I could review them. I never received any documents which is further proof for my claim. 

Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. 

CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive AdsXX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX. and XXXX XXXX XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} million in fees to consumers and pay a {$5.00} million civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. 
Deceptive advertising has no place in the financial marketplace, said CFPB Director XXXX XXXX.  Todays action is delivering relief for consumers deceived by XXXX  and XXXX, and sending a clear message that these practices will not be tolerated. 

I will continue to file complaints until one or both of these parties provide the information that I am entitled to. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I went to 8 sessions of XXXX XXXX in XX/XX/XXXX after my XXXX XXXX. XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, in XXXX MI, submitted my visits to my insurance company and assured me I would receive a bill from him for the uncovered amount. 
Fast forward 2.75 years and in XX/XX/XXXX, I receive a " final collections '' notice from Transworld Systems, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX for {$510.00}. I have had impeccable credit for my whole adult life, and now it has been sullied because of this. I check my mail every day, so it 's not like I missed an invoice or something. I am very discouraged, but it does look like my insurance did n't cover this portion so I will pay it just to get my credit back in shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: IL

Complaint narrative:
In XX/XX/XXXX we realized our debit cards were being used fraudulently and our checking account went negative. 
No one from bank contacted us. We contacted them and all charges were credited. 
WELL XXXX I was out of town for a month and the same thing happened and then our credit card as which was used fraduently and paid thru our checking account had this happen again, I contacted them and they opened up a fraud claim that was approved, However I called and they stated they had no idea about this fraud claim. 
I was at local branch and the teller remembers me calling them ( FRAUD DEPT ) to make the claim from the branch. Well several months later nothing still has been done. 
I was credited for a couple of the charges but not everything. I also thought I closed the fraudulent account but it remained open and took us into the negative as well as the new account as well????? HELP XX/XX/XXXX fraud claim opened XX/XX/XXXX CALLED NO FRAUD CLAIM FOUND XXXX opened another fraud claim and received a small credit roughly 240.00 .
I am still missing credit of ove 3000.00 $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
on XXXX/XXXX/XXXX, I deposited a {$3000.00} check into my checking account. This check is a cashiers check from a bank and when I deposited, I asked if this would be available in the normal 2 days ( from past experience ) with reassurance from the teller. Late Monday XXXX I received an e-mail from Hunting stating they were putting a hold on the deposit. I called customer support that day and they said it was because they were " unable to verify funds '' ; which is a reasonable answer. The next day, the XXXX I called back in to question the hold once again. The difference is that I had PROOF that this money was distributed. I called and explained that I have proof and why are they still holding it. I could n't get an answer so I talked to a supervisor XXXX who called the department who handles the release. I offered to e-mail or fax the proof so this issue would be resolved. After she talked to XXXX in that department, the response was " We do n't even want to see the your proof, we 're not releasing '' I even asked her " It 's not that they could n't, they would n't '' and the answer was yes. They were keeping the hold for a full 10 days regardless. 

Since this happened, I have had some bills get returned because of them holding the account. To make matters worse, Huntington in no way notified me that they were returning items ; they just disappeared. I have been calling the payees everyday to make sure things processed through. I am opted into overdraft and I even asked customer service to just let the payments process and I would work out paying overdraft fees. In fairness, I would n't have to if they did n't extend the hold. 

The issue here is the bank unnecessarily holding my assets for no reason. Their argument of risk is invalid since I have proof the funds were distributed on the XXXX ( the next business day ). I tried to be patient and flexible and feel that they are holding funds for no reason at all ; especially if it 's a bank check. Now, I am forced to deal with the returned item fees with addition of fees from the bill collectors. Huntington is knowingly withholding assets. The inconvenience, extra fees, stress, etc. is all a result of their unwillingness to cooperate. While I understand reasoning 's for holding checks, I was offering a solution and they were not interested. This indicates that they are in a habit of holding assets hostage without proper cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Should have received XXXX from XXXX, instead received XXXX BTC From XXXX : XXXX XXXX Address : XXXX XXXX XXXX  XXXX I filed a support case and contacted support a week later when I did n't receive a response. I XXXX at both the company and support XXXX accounts. Again, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX I opened a dispute with Bank of America on a payment I made online with my checking XXXX XXXX, XXXX to the Ma XXXX XXXX XXXX my payment of {$320.00} for dental insure was to be made by XXXX XXXX, XXXX. For some reason the XXXX XXXX had been cancelled on XXXX, XXXX and the customer service dept XXXX was unable to fix it. I told the XXXX XXXX that I needed a refund if my insurance was cancelled and my payment was for XXXX and XXXX they said to file a dispute with my bank. Which I did on XXXX XXXX Bank Of America gave me a refund of {$320.00}. They said an Affidavit would be mailed to me in the next week and that I needed to fill it out and send it back which I did the first week of XXXX to XXXX. O XXXX XXXX I had a message on my phone saying they had not received my paper work yet. I called the claims department at XXXX pm I was on the phone with a lady in claims she said it would be best to have her fax the page to me and for me to fill it out again and fax it back which I did to XXXX I used my access line with XXXX I had a copy of the fax and it says received.I was told the claim was all set as long as the merchant did not dispute my claim which they did not they had given me a reference number XXXX that would pull up the credit. On XXXX XXXX I got an email notification that my account was over drawn by {$400.00}. I thought we were victims of fraud but I was told that they took back my credit of {$320.00} because I did not send back the affidavit which I had done over a month ago. XXXX in the Claims department was rude told me too bad its done and that they do Not ever reopen an investigation that it was my fault?? I told him I had proof and could sent them the fax report he kept arguing with me I demand a Manger and was transferred to XXXX he asked me to fax the affidavit to him directly at XXXX which I did as soon as he re faxed the paper to me. XXXX told me to call back Wednesday XXXX XXXX. I did at the number he gave of XXXX turns out to be a general number for the claims department. I spoke to a XXXX and she said they ca n't help because I have still not faxed the affidavit back? I told her the number XXXX gave me and she said that it was wrong had no idea where he got that she said to fax it to XXXX which I did. Meanwhile that bank has returned XXXX automatic payments from my account and bounced 11 items from XXXX XXXX. It 's XXXX am and I have spoke to two supposedly mangers at B Of A claims and they are claiming that I have not faxed them yet and when they received my fax it will take them two days to look at it i the meantime they said I will continue to have bounced fees. XXXX in XXXX said she is just an account Manger and unable to assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX/XXXX/XXXX, I opted to enroll in the TrustedID Premier identity protection service offered by Equifax in response to the Equifax data breach announced in XXXX XXXX. As of today, XXXX/XXXX/XXXX, the service is not accessible, as the TrustedID Web site is not functional. That is, when I click on the link in the TrustedID Premier product activation email received from Equifax, it returns an error message stating the site can not be reached. The same thing happens when I try to access the TrustedID Web site directly via an Internet browser. ( This is not a browser problem, as the browser accesses any other Web site I attempt to access. ) Equifax has not addressed the complaints on this issue that Ive sent them directly by email. Further, there is no message or status update to consumers regarding the issue on the company Web site. To sum up, Equifax is failing to provide a service as advertised : A service essential to helping consumers protect themselves against the potential fallout of the companys failure to protect consumers sensitive personal information in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I transferred ( Wire Transfer ) money from XXXX XXXX XXXX on XXXX/XXXX/XXXX to Coinbase, Inc amount of XXXX USD. The Money was transferred same day from my bank account. I have contacted the recipient through there web site asking about the status of the transfer. I have requested them 5 to 6 times in past 5 days. They responded for my 1st request asking the Federal Reference number for the transfer. I sent the required details, but till date no response from them. The CaseID with CoinBase Inc is XXXX. Attaching the Email exchange and Bank Statement ( To Confirm the money was transferred from my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has exhibited unacceptable negligence in collecting my personal credit information, allowing access to my credit information and securing that information from mis-use. Equifax collected critical information without my express consent then through inadequate security measures enabled that information to become accessible to others without my express consent. I believe I have the right to deny them access to, storage of and distribution of all information about me because of this breach. Their site does not allow me to demand the deletion of my personal information from their databases or allow me to expressly deny them future access to anything related to my personal or credit-related information. I demand all personal and credit-related information be deleted from their access now and forever, immediately and without further debate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have received collection letters from Diversified Consultants , Inc., XXXX. XXXX XXXX, XXXX, FL XXXX, attempting to collect {$750.00} on a debt to XXXX. The " Agency Reference Number '' is XXXX. The " Account XXXX '' is XXXX. I previously discovered a report of this alleged debt on my credit reports. I disputed it successfully to the credit reporting agencies, who removed it from my reports. However, I subsequently received the debt collection letters that are the subject of this complaint. I disputed that debt to the agency. The agency responded that XXXX verified that the debt was valid and included in that letter a copy of an unpaid bill from XXXX. That bill was addressed to someone named " XXXX XXXX '' but residing at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The bill was for services provided in XXXX. I have never lived at that address. I did not request or receive services from XXXX in XXXX. I last had an account with XXXX in XXXX, which was fully paid and closed. 

It is apparent to me that someone with my name or using my name incurred debt and did not pay. I am being billed for someone else 's debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
With the Equifax data breach, my wife and I spent hours trying to 1 ) get our credit reports from XXXX, Equifax and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from XXXX and XXXX on line but Equifax is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call XXXX to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. Equifax should be paying this not us as they made the XXXX up. This entire process needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I was reviewing my credit card statements for my Best Buy Credit XXXX through CitiBank and I noticed a fee that they were calling a debt protection  fee. I went as far back as i could on the available statements which was XXXX of XXXX and noticed the fee was there. I do not recall ever agreeing to this service or signing up for it. If so I was misinformed of the product. The amount ranged from {$16.00} to {$19.00} each month as far back as the previously mentioned date above. I looked at the overall amounts charged in fees and here is what i found per year : XXXX - {$430.00} ( I had late fees in this so the fees for the service were likely around {$270.00} XXXX - {$280.00} XXXX to date - {$150.00} I checked the internet and saw that CitiBank had been recognized as committing unfair acts and I feel that I was one of those they misrepresented information too and taken advantage of. 

I feel like a fool for not keeping track of my statements and looking over them each month.

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 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I was out of work last yr. for 3 months due to XXXX XXXX XXXX. I had a check bounce one day before my check was deposited after I went back to work and the bank did not cover this check. I was charged a bounced check fee, from the bank and also the Insurance company that it was going to. The problem I am having now is that this bank, " XXXX XXXX XXXX '' out of XXXX, Pa. took over the small bank, " XXXX XXXX '' out of the XXXX, Pa area and is charging a late fee of {$12.00} EVERY THREE days. This is outrageous, every time I have gone there to cash my check, I met other people there complaining about how they ca n't get their money out, even though they deposited cash, I too have been told that I ca n't withdrawel my Cash out for 3 days. Why? Does it take that long for them to make a few bucks on my cash deposit before I can use it myself, They have sent this to a collection company for pmt. which I have already paid the Bounced check fee, but nothing else and I do not plan to pay {$12.00} every 3 days for this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
Turned in my lease ( XX/XX/XXXX ) after a dealer incentive to buy a new car. I was told by the dealer there would be no additional lease charges. On XX/XX/XXXX received a bill from XXXX XXXX in the amount of {$1400.00}. They drafted another payment of {$720.00} and applied it against the balance. I was told the excessive charges were for a cracked windshield and 2nd key. I turned in both keys. I got no credit for tuning the car in approx 12,000 miles under the contract limit and was not told of any additional charges before buying the new car. The dealer did involved and I agreed to pay a final balance of {$340.00} to XXXX XXXX which they said would bring balance to XXXX and the dealer reimbursed me as well. 

Now over a year later, I received another bill from XXXX  for {$360.00}. I was told I was lucky this was n't turned over to collections and it would be if I did n't pay it. I was told the additional fee was added because I did n't buy a new car from XXXX. I told him I did buy a new car the day I dropped this one off. He said he did n't see where I purchased a new car. I told him to check with the dealer. He then asked if I financed the car with XXXX. I told him that I financed the new car with the bank chosen by the dealer which was XXXX XXXX XXXX. He said that explains it and they would have waived the fee had I financed with them. I did n't so I have to pay them the {$XXXX} over a year after turning in the car and paying the amount agreed in XX/XX/XXXX. He also said I should have read the contract more carefully as it allowed them to charge the additional fees whenever they want to.

Company response to consumer: Closed with explanation