vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I processed a wire using HSBC online banking, on XXXX XXXX, 2016, in the amount of XXXX. The beneficiary of this wire was XXXX XXXX. The payment was for a flight to XXXX that was taking place on XXXX XXXX. The funds were deducted from my account, but on XXXX XXXX, XXXX informed me that they had not yet received the wire transfer. I called HSBC immediately and learned that the wire was being held due to them needing more information. I was told that I would need to reach out to my account manager, XXXX XXXX, who is based at the XXXX XXXX XXXX XXXX branch. Since this payment was urgent and I was unable to reach XXXX XXXX, I had the wire processed from another account at a different bank. This payment went through immediately. When was finally able to reach XXXX XXXX, I requested that he have the funds returned to me, as I had already made the payment from another bank. He told me that he would let the wire department know not to process the wire and to refund my account. He informed me that it could take up 3 days to receive the funds. 

After 3 days, my account had still not been credited. I reached out to XXXX XXXX, who in turn sent me an email with the branch manager, XXXX XXXX, asking me several personal questions about a flight that had already taken place. I did not understand why they would need to ask questions about a wire that I was no longer sending. I explained that I only want my money back, but after several emails back and forth, with XXXX purposely avoiding my questions, I answered the questions presented, since XXXX insisted that this would be the only way for me to get my money back. That was on XXXX XXXX. It is now XXXX XXXX, and my account has still not been credited. 

XXXX emailed me today, stating that my funds will be " blocked and reported to XXXX. '' How is it that a bank can do this? I do not want the wire to be processed, I have already taken the flight and returned. I only want my funds put back into my account. This is theft and a bank should not be able to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am not aware of these accounts. Furthermore, Transworld has never sent me any bills or notices to my house so that I could dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
I have paid over {$3100.00} in fees and interest on a loan over the last 5 months. 

I took out a Title Loan on my vehicle through Title Max in XXXX XXXX for {$5000.00}. I was told be the representative this a 24 month loan. My payment is $ XXXX over 24 months. At the time I was in a XXXX expecting my pipeline to close. Unfortunately, my loans did not close as expected. 

I have made over 7 payments totaling {$3600.00}. My balance is STILL {$4500.00} from the original loan amount of {$5000.00}. 

I fell behind less than 30 days and Title Max sent me documentation to SURRENDER my vehicle. A XXXX BMW 525XI that I own. 

These company 's need to be fined to the extreme for what they are doing to the public. I thought worst case ... .I pay $ XXXX/mo over 24 months Title Max makes {$7400.00} on the car I own. 

PLEASE PLEASE!!!!!! FINE this company and shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.

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 2016-08-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am an XXXX trustee of a trust maintained at Citizens Bank of Pennsylvania. I was REPEATEDLY ASSURED that the trust accounts would not be subjected to any fees, costs, or bank charged. Citizens started assessing a statement fee of {$2.00} a month. I called, they apologized and refunded {$2.00} in XXXX 2016. They reinstated this fee again. I visited a branch and requested that a regional manager call, to no avail. I am a trustee charged with maintaining the integrity of the accounts ( more than {$800000.00} is on deposit here ). They are stealing money and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Lending Solutions Mortgage/ LSI Mortgage
State: TX

Complaint narrative:
I was victim of a " bait and switch '' scheme by LSI mortgage. They provided a GFE offering a 3.75 % rate for thirty years, two days before the closing date the rate was hiked to 4.875 %. 
Upon declining those terms I was harassed by one of their loan originators, XXXX XXXX, who at one point addressed me as uneducated, and even used xenophobe terms ( XXXX ). 
I have all the communications to back this claims.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, 2014 my husband, XXXX left a dentist extremely dissatisfied. He immediately contacted American Express to stop payment of {$7500.00} and to initiate a dispute. On XXXX XXXX, 2014 my husband unexpectedly passed away. In uttergrief I contacted American Express on XXXX XXXX to get our miles to fly our family to the services and told them of his passing. On XXXX XXXX the {$7500.00} appeared on my acct. At no time and in no way at all did American Express tell me that there was an active dispute on my husband 's acct. If they had I would have immediately turned the matter over to my husband 's estate attorney. I have provided documentation of the charge, a letter dated XXXX XXXX, 2014 from my husband to Am Ex, a letter of AmEx 's terms and a letter from the XXXX involved showing the date of XXXX/XXXX/2014 the day he was faxing a response to American Express. I have been trying to deal on my own with this. Every time a rep says a supervisor will look into it and call back. They never do. I can not tell you how distressing this has been. We have been AmEx customers for XXXX years. I was told if I wanted a copy of the recorded conversation from XXXX XXXX, 2014 that it must be by subpoena only. I never agreed to accept this responsibility. American Express failed to disclose the active dispute which should have gone to the estate attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I initiated a transaction through bill pay and paid Capital One two times. Because of this, I contacted the cc on XXXX and asked that my funds be returned to me. I was told on the initial call that it would take 1-2 business days for the trans to be processed. It is now XXXX and I have spent hours on the phone with this company and my transaction is still not in my account. I was given several time tables throughout the process. According to their files, the transaction to return my funds was completed at XXXX on XXXX/XXXX/15. The bank they are transferring the funds to is XXXX Bank. Historically, all transactions appear on the homepage of my internet banking as pending as soon as they arrive at the bank. I have been on a number of conference calls with Capital One and XXXX Bank to confirm there is no transaction for the refund of {$480.00}. Today I spoke with XXXX ( id # XXXX ) who told me he was the top of the line to speak with on the phone. He was unable to transfer me or give my information to his supervisor to have them contact me. He also told me that my bank needed to contact XXXX which is the XXXX party that processes the ACH, because Capital One has done everything they can do on their end and are now washing their hands of responsibility. They gave me information to FAX an escalation letter for complaint but that it is now XXXX responsibility to make sure that I get the funds transferred into my account. While customer service representatives have attempted to be kind, none of them seem to project any sense of urgency ( with the exception of XXXX, who escalated my refund transaction to be processed in the first place after the maximum number of days XXXX. I have been promised a number of times that I would receive a call back from someone and have not received those calls. Capital One has always been helpful in making sure they are accommodating when it comes to them gettting their funds but now that I need my funds, it is no longer their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: KEYCORP
State: OH

Complaint narrative:
On or around XXXX/XXXX/XXXX i contacted Key Bank to remove myself as an authorized user on a friends credit card account. In XXXX XXXX I was assigned account number XXXX. The Bank did remove me as an authorized user on the referenced account, but is showing non willful compliance to have this account removed completely from all XXXX credit bureaus. I sent a credit bureau dispute form to Key Banks Credit Research team and was told that they will not be removing this account from credit report and it will remain 7-10 years. I am in the middle of purchasing a home and with this showing on my credit, it has affected my chances for loan approval. Key Bank supervisors show no compliance. Key Bank under federal law must remove an account from credit report in which the account does not belong. Every other bank has honored my request and has fulfilled the federal law requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Early Warning LLC, XXXX, XXXX, AZ XXXX ; phone # XXXX Early Warning has my name in their database and they are reporting me to all XXXX Banks and informing them of some issue that was resolved by my Chapter XXXX Bankruptcy with XXXX In XX/XX/XXXX, XXXX had placed my name with Early Warning, XXXX without my knowledge as all of my bank accounts were closed because of this XXXX issue. It 's XX/XX/XXXX and still I ca n't even open a new bank account here in Washington state or any other state because of this " Early Warning '' against me. All debts and issues with XXXX has been resolved already with my Chapter XXXX Bankruptcy filed XX/XX/XXXX and XXXX XX/XX/XXXX. I have notified XXXX and XXXX and they have complied with XXXX Bankruptcy XXXX order ; however they failed to remove my name with " Early Warning LLC '' that is preventing me from opening my new Bank Accounts. XXXX failed to comply with XXXX Bankruptcy XXXX. XXXX complied with " XXXX '' out all debts with XXXX, I do n't owe XXXX anything all debts were XXXX via Chapter XXXX Bankruptcy Case # XXXX. XXXX needs to follow through and comply with XXXX Bankruptcy Law, if they XXXX all debts with XXXX then they should remove my name from " Early Warning '' because everything is XXXX and done. " Early Warning '' should be notified of my Chapter XXXX and that XXXX has XXXX all debts and issues and that my name should be removed from their database as XXXX, so that I can open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: CT

Complaint narrative:
Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a debt on my credit report with XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX last year and removed, XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
We contacted our lender XXXX Mortgage in XX/XX/XXXX and told them I had been injured with a XXXX and was removed from the State of XXXX. Husband had lost his job and insurance due to having to leave a job in XXXX to come save my life in XXXX. XXXX XXXX XXXX diagnosed XXXX XXXX XXXX, due to my XXXX there was nothing else that they could do for me. On XX/XX/XXXX my husband brought me to XXXX XXXX where I could receive emergency treatment for Brain injury, neck injury and starvation. We were approved by the VA for a special circumstance approval for short sale. However they refused to provide the needed documentation in order to complete the sale. Instead they sold our loan to Freedom Mortgage Company and set the Auction for XX/XX/XXXX. We had another short sale buyer but could not get the needed and required documents from them either after repeated calls from us and our real estate agent. Our buyers were there for the auction however no one should up. I called them and was told it had been postponed for the short sale they would not cooperate in providing the documents. Auction rescheduled for XX/XX/XXXX. 
Legal notifications do not required the correct spelling of our names in the State of XXXX just the correct number. However to get the VA insured loan our documentation had to be complete and correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Another person 's name has been added to my 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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XX/XX/2016 I contacted Citi online customer service as my account had not been credited with the advertised signup bonus for a Citi Thank You Premier card that I signed up for. The online agent was able to satisfactorily resolve my issue after several emails back in forth through XX/XX/2016. I then called Citi customer service and spoke with an agent, who said although she could n't help me, she would document my request and elevate it. I then later received a letter that my request was too old. Can you please fix that for me? I received marketing materials from Citi advertising a signup bonus for this card, and I met all of the requirements. I am a long standing good customer of Citi. I do n't think it fair to deny the signup bonus because this is taking a while to resolve ( through no fault of my own. Thank you!

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 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
on XX/XX/2017 we paid our mortgage by mail and personal check to Wells Fargo for XX/XX/2017 house payment. on XX/XX/2017 we receive our mortgage statement from Wells Fargo and it was for XX/XX/2017 which we promptly paid and verified the check was cashed by Wells Fargo. While discussing the issue with my wife Wells Fargo cut her off. She called again the same day ( XX/XX/2017 ) and she got hold of XXXX ( no last name given ). He acknowledge that the house payment was received and the check cashed by Wells Fargo. His explanation was " oh well they just sent you a duplicate ''. YEAH RIGHT.

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 2016-05-06 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
XXXX has continued to harass me at my place of employment, even after several times of me asking them to stop calling my work They are trying to collect on a XXXX mortgage that was taken care of with Bank of America back in 2010 In conversations with them I have asked them to send me documentation on the debt, they have yet verified the debt, The calls and the lack of corporation is out of control they call my place of employment from several different numbers, I can provide you with a few if needed

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 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MO

Complaint narrative:
My servicer of my mortgage is Seterus. As of XXXX XXXX, they paid the wrong hazard insurance co. XXXX XXXX, in the amount of {$1700.00}. I contacted XXXX XXXX of the error, and they sent me a check in that amount. I was told to send this check back to Seterus. from an agent from Seterus who told me to send this check to an address in XXXX Co. I was told later that was an incorrect address. I wrote on this check for Escrow Account only!!!!! since my escrow account had a minus amount at that time due to this payment to XXXX XXXX. Then this check was wrongfully put on my loan balance. I have continued to make calls to Seterus to try to get this issued resolved. They give me the run-around, like my XXXX payment was sent back to me, NOT!!!! and a reversal, was done NOT!!!!!, OR I would have to HAVE ANOTHER analysis of my ESCROW, which would also be delayed. Seterus owes me {$890.00}, out of the check I sent them, and they continue to raise my payment, they say because my escrow had a minus. Seterus has sent me a letter stating my loan payment had a balance of - {$1200.00}. THIS IS WRONG AGAIN. I TRIED TO AGAIN CALL, to resolve this mistake, nothing was done again.Then came a letter from them stating I did n't owe a payment until XXXX. WRONG again!!!!! What do you have to do to get a resolution from them? They say my payment this month for XXXX XXXX is {$670.00}, which was also paid for XXXX XXXX. for that amount. My payment should be {$600.00}. I have had numerous issues with Seterus since my loan was transferred from XXXX.The same problems exist always. I pray something will be resolved, my money returned, and my payments to return to the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I paid my balance off in full last year for XXXX accounts and it shows a zero balance however, it still shows as a collections account. I would like to have this corrected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
There seems to be an extraordinarily confusing relationship between three separate companies. They are PayPal, PayPal credit which was formerly Billmelater, and a third instrument which I now have which is Prepaid Paypal Mastercard. The point of primary confusion, I believe, is entirely intentional. As one jumps from webpage to webpage, sometimes the word " payment " is used in reference to what is owed to PayPal credit, and then immediately following payment refers to money being paid to the people from whom one is making a purchase. What happens, of course, is that the consumer assumes that a payment has been made to the store but in fact PayPal has withdrawn the money from the consumer 's own bank account and then after having left the consumer with a negative balance, pays the shop. The incredibly confusing website process shuttles between PayPal, PayPal credit, PayPal prepaid Mastercard, ahnd every other PayPal site, leaves one in tears.

Company response to consumer: Closed with explanation