vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: WA

Complaint narrative:
The fee schedule on the account is {$3.00} a month if minimum balance is below {$3000.00}. I have maintained a balance above {$3000.00}. They have been charging me {$2.00} monthly maintenance fee. I called ( repeatedly ) and they finally emailed me back that the fee schedule is $ 2.50/month if minimum balance is under {$5000.00}. The policy they are charging me for is not the policy listed on my account on their website. I suspect they have probably done similar to thousands ( or even millions ) of customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CO

Complaint narrative:
This happened several times over the years, with the most recent experience happening in XX/XX/XXXX. 
I made a large payment with a note to put the payment towards principal only. 
Instead the payment got distributed towards some principal and some interest. They also pre-paid my regular monthly mortgage payments several months in advance. 
I called to have this be moved all to principal. Was told its going to get done. Had to call a 2nd time b/c prior action was only partially done. On this 2nd call, I learned that the company instituted a policy that an account has to be pre-paid 2 months in advance before any large amount can be out towards principal only. Apparently they did this policy change in XX/XX/XXXX, but the agent wasn't sure. 
This was not communicated to me when the policy was changed. Nor was it mentioned during the 1st call I had to make to correct the issue. 
And more importantly, can they actually make this policy? Should I be able to put money towards principal? Especially when my account is paid up, I have no late payments, and in general good standing. 
The misallocation of funds to principal only, when that is a clear request on the funds being transferred and multiple times required to follow up to correct the issue is problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I purchased my home in 2006 from XXXX XXXX for {$220000.00} with a co-borrower who is no longer on the deed as we completed a quit claim deed to remove his interest. When XXXX XXXX went out of business, the loan was then transferred and serviced by XXXX  XXXX XXXX and the investment group is XXXX XXXX XXXX XXXX XXXXXXXX and SLS is also a Servicer for the same loan. I fell behind on payments and the foreclosure process began, which I have been fighting for almost 10 years now, I went to court on my own behalf for the first few years, then ultimately sought legal advice, but no permanent resolution was found. I have tried to obtain help having an audit performed but have been unsuccessful. It was determined that robo-signing happened during transfers, but nothing changed. My title has changed hands many times and I believe there have been breaks in chain of title throughout the process giving XXXX XXXX XXXX XXXX XXXXXXXX no rights to my property. I filed XXXX XXXX to stop the foreclosure, but that is not a resolution to my ongoing problem/fight. I am now in jeopardy of them proceeding with scheduling a sale date and am seeking help as time is of the essence.

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 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NORTHWEST BANCSHARES INC
State: OH

Complaint narrative:
Paid off vehicle XX/XX/2021. I was receive vehicle title within 15 days. It is approaching 30 days and I still have not received my vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dear Capital One Auto, PLEASE LISTEN TO ME. 
On XX/XX/21 I purchased a vehicle online through XX/XX/XXXX It has been nearly two months now and XX/XX/XXXX still can not get the paperwork together to register the vehicle or show a title for the vehicle. First they claimed they were " missing insurance '', I sent it again. Then they claimed they were " missing '' the limited power of attorney paperwork, I signed and sent it again. Now, 2 weeks later, they are " missing '' the limited power of attorney paperwork AGAIN and told me they could not process registering the vehicle because there was a name error on the paperwork, compared to my driver 's license. 
I asked the representative where's the title, I was told XXXX still have not located the vehicle 's title and I am starting to believe all of these " errors and missing documents '' are just a way for them to buy time. 

As a lienholder, you should not fund a deal and have not received the title almost two months after a car deal. I am warning you that this deal is bad and XX/XX/XXXX has thousands of 1-star reviews of them selling vehicles with missing titles and vehicles reported as stolen! 

My temp tag expires next week and I will no longer be able to legally drive this vehicle!!! I have already made my first on-time payment on this vehicle and it's not registered to me, nor do you have the title. 

May Capital One PLEASE give me a manual approval to go purchase another vehicle from a local dealership? I tried applying for Capital One Auto XXXX a few days ago, but the application quickly got denied ( i'm assuming because I just opened a Capital One Auto account ). 

XXXX you PLEASE give me a Capital One XXXX XXXX approval for the same amount and rate as this deal, so I can go find another vehicle at a BETTER and LOCAL dealership. I AM BEGGING!!!!! Once I get the Capital One XXXX XXXX approval and purchase another vehicle, XXXX can take this car back and Capital One unfund this horrible deal. I have 8 days to find another vehicle. PLEASE HELP. 

Contact me here : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: NE

Complaint narrative:
I applied for a loan. I asked if they were doing a hard or soft pull on my credit. I was assured that it was a soft pull. I ended up turning down the loan because I did not want it. I had a better offer from a different company. I told them I did not want the loan. I found out from the other company that OneMain did do a hard pull. When I told them I did not want the loan, I asked for a letter within the next seven days because that is how long the other offer through the other company was good for. I was told that was not possible. They were extremely rude and now I can't even get a letter stating that I turned down the loan so I can get the other loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: AL

Complaint narrative:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull 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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My husband received an email at XXXX p.m. today, Wednesday XX/XX/2022 addressed to me saying thank you for opening TD checking account. No one opened such account. When the company was contacted we were directed to their fraud department which shut down the account and was informed to call the FTC as well as the credit bureau companies to report this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Betterment LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, I initiated a transfer of {$3500.00} out of an investment account to a different bank. The micro-deposits to verify the account were successfully completed, and the {$3500.00} was removed from my Betterment investment account. When I still had not received my funds into my checking account on XX/XX/XXXX, I called and emailed support. After a lengthy process of using the online chat, email, and phone calls to support, I learned that Betterment was requesting further verification of my account. I completed this verification step and reached out via email, chat and phone for support on XX/XX/XXXX. I have called every day since, but I have not received any response from Betterment. 

This morning, I called Betterment support and asked to receive a call back when I reached the front of the queue. I received an automated call back 90 minutes later, answered the phone, and continued to sit on hold for 5 minutes before my call was disconnected without anyone answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
I had an auto loan through auto advantage finance. after trying to get them to work with me do to me getting sick with COVID and behind on my payment they repossessed my car right before Christmas. it then took them until XX/XX/XXXX for me to receive the letter showing what my options were in order for me to get my car back. they are charging me {$6.00} a day on top of the {$250.00} repo fee for a total of {$14000.00} ( keep in mind the {$6.00} is continuing to accumulate each day they still have the vehicle.. so now by this time that i know what my options are I apply for refinancing through open roads lending. i got approved by them based off of what reflected on my credit report showing what the remaining loan amount was {$13000.00} ). after receiving the payoff amount from auto advantage finance I then get a letter saying that I was denied due to Loan value exceeds program requirements. so now i only have until the XXXX of XXXX to payoff the full amount in order to get my vehicle back and today is the XXXX. even if i apply for through another lender there isn't enough time to go through the process and be able to get my vehicle. along with this they also continue to send me emails trying to deduct my payment from my account every two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Applied for a XXXX XXXX and they forgot to include my large down payment on the loan. This further delayed my loan process and because of this I was advised to go the conventional loan route to speed up the loan process. Paperwork was filed and they waited till the week before our scheduled closing date to schedule the appraisal. They delayed another two weeks, then waited till the week of closing to finished the paperwork to send to the underwriter and contacted me to give them the number to contact my HR and verify employment ( which I gave them already ). Now, they are refusing to release the VA case number associated with the loan. Without this, my new lender can't initiate a XXXX XXXX  unless Freedom Mortgage releases it. Loan officer XXXX XXXX and XXXX 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 explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
They weren't applying payments in the manner they publish that coincides with the Credit Card Act. Rather than look at and fix the problem, they just kept telling me they were following the rules and attached them. Yet it shows in black & white they did not! They would not fix it. I tried many ways and became so frustrated I closed the account. I submitted complaints. The company responded saying they didn't do anything wrong and posted the rules AGAIN. Yet they didn't follow the rules! Hello! Is anybody listening? 

" balances that are at the same APR will be paid in the order of their expiration dates '' yet they paid my XX/XX/22 balance vs my XX/XX/22 balance. 

I have excellent credit and know it will be affected by closing the account. 
What is happening? Why is this company acting so strange all of the sudden? My concern is for others. This should be investigated.

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 2022-01-27 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: KY

Complaint narrative:
The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-01-27 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: KY

Complaint narrative:
The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: OH

Complaint narrative:
Minto Money is a predatory lender- it is criminal what they charge. I thought there were laws to protect us but apparently there is a loophole this XXXX uses : I do not agree I signed loan docs knowingly with interest rate clearly at the beginning of the document. Unfortunately I had two loans with them and didnt realize the ridiculous interest rate on first one because I paid early plus obviously wasnt paying attention. I signed docs online ( text signature ) but was not given a copy either time and when I tried to access recently I had to request several times via phone as not readily available online. In any case, I was charged 629.3 % and 386.4 %. I feel like this should be illegal. Supposedly they are protected but I have read of other lenders that use the same status but not correctly ( not that I think there should EVER be a way a tribe should be able to take advantage of people needing a small loan that may not have the best credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Hello ComenityXXXX XXXX XXXX ; My name is XXXX XXXX and I'm really upset right now because I was reviewing my credit report and noticed that you marked me late in XX/XX/XXXX for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money {$110.00} out of my checking account that on the month that you marked me late on my credit report. Also, i was also under impression that i was protected under CARES ACT due to the fact i was impacted by covid19. The CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My friend, XXXX XXXX XXXX someone on XXXX  about Mining Pool using Coinbase Wallet. This scammer said if I open a Coinbase Wallet and deposit USDT ( tether ) you can earn liquidity mining rewards based off USDT. The scammer then sent him a mining certificate that allowed access to the mining pool. I think clicked on the mining certificate which turned out to be a smart contract that gave the scammer complete control of my coinbase wallet on USDT. I then deposited USDT one a time and proceed to earn rewards in USDT. I continued to add USDT when on XX/XX/2021, the scammer emptied my Coinbase wallet and drained all my funds. 
In total, {$310000.00} was stolen out of my wallet and transferred to other wallets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX BANK XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX, I the consumer received my Investigation results from TransUnion sent XX/XX/XXXX, file # XXXX. The results stating that there's been XXXX deletions, XXXX XXXX XXXX, US DEP OF EDUCATIONXXXX, and US DEP OF EDUCATIONXXXX  Deletion is admission and TransUnion admitted to Injuring me the consumer. I the consumer Is Demanding monetary relief for the following violations : ( XXXX ), 15 usc 1681 ( a ) XXXX ( b ) -Accuracy and fairness of credit reporting ( XXXX ), 15 usc 1681a ( XXXX ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living was impacted. ( XXXX ), 15 usc 1681b ( a ) ( XXXX ) ( XXXX ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. ( XXXX ), 15 usc 1681c ( a ) -Requirements relating to information contained in consumer reports. ( XXXX ), 15 usc 1681n ( b ) - Civil liability for willful noncompliance. Each Violation under the FCRA is {$1000.00} each violation, that's {$5000.00} for all XXXX violations that I'm demanding for the Injury I sustained due to the XXXX accounts furnished on my report without prior consent of the consumer.

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 2022-01-27 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: AL

Complaint narrative:
Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.

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