vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
This is an update and clarification to Complaint XXXX-XXXX  which was closed XXXX, saying, " The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. '' Please understand that this pertains to two CDs my father had. He passed before they matured. In the meantime, I accepted his Power of Attorney, am the sole trustee of his estate, and am his executor. I am not an " unauthorized third party. '' If you need clarification, please call me at XXXX. 

Here is the original complaint from XXXX : My elderly father ( I am now his executor ) purchased two substantial 18-month CDs from XXXX XXXX, in XXXX XXXX, MI. He received a promotional interest rate of 1.49 %. 

A few weeks before the CDs matured, he received a letter telling him unless he instructed otherwise, his CDs would automatically renew and they would adjust the interest rate to the current rate. They did not disclose ( or approximate ) what the renewal rate would be. He presumed ( poor choice on his part ) the rate would be similar and competitive. The rate went from 1.49 % to .149 % - ONE-TENTH what he had received. 

He tried to close the CDs and was quoted a five-figure early withdrawal fee. This rate change cost his heirs {$15000.00}. 

But, more importantly, this seems to be intentionally deceitful on the part of the bank. They won't know *precise* interest rates three weeks out, but they know *approximately* what the rate will be. 

It seems they should be required to make that disclosure. Especially when dealing with the elderly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citibank checking and savings account on XX/XX/18 using promo code XXXX which was supposed to provide me with a {$400.00} account opening bonus if I maintained a {$15000.00} balance between the two accounts for 60 days. Upon reaching the 60 day mark and not seeing the bonus get deposited, I contacted Citibank and was told that it could take up to 90 days for the funds to be deposited. During the last week of XXXX, I again called Citibank as I was surprised the funds were taking so long and was reminded that I was not at my 90 day deadline for them to deposit the bonus. They acknowledged that the bonus was attached to my account. It is now XX/XX/18 and I still have not received my bonus. I initiated a chat session today and am still being stonewalled that supposedly it is another 4-7 days of  processing. I am seeing that a huge number of people have this same issue. This is unacceptable and blatant fraud. Consumers should be aware that Citibank does not honor its obligations and that they should bank elsewhere.

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 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent certified letters and notices to Equifax countless of times requesting that they remove these accounts from my credit reports due to the fraudulent accounts. I have filed police reports and identity theft reports as well as contacted all the creditors. 

Equifax is not obeying the law at all and are breaking the laws just because they feel like it. But I will be getting my attorney involved at this point. 

They told me to include the account numbers. I did that. They told me to file a police report. I did that. They also told me to write and call the creditors. I also did that. So, what does it really take?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: OR

Complaint narrative:
I received calls from a series of related phone numbers from XXXX, WA, identified by the person calling me as GC Services. Their website : https : //consumerportal.gcserv.com/. 

These calls were received on XX/XX/18, XX/XX/18, and XX/XX/18. On XX/XX/18, the man who called me immediately demanded to know personal identifying information when I picked up the phone, including my address and Date of Birth, while refusing to disclose why he was calling, on whose behalf, or what the call was in regard to. I refused to provide personal information to someone making unverifiable claims on behalf of GC Services who would not tell me what the call was regarding. I have additionally received no written communication from GC Services prior to these calls, despite the fact this person recited my current address on file to me on the phone. I repeatedly asked the individual to identify themself and why they were calling, and they repeatedly asked for my personal information as described above. I finally had to end the call because it was frankly very disturbing to receive a phone call from an unidentified entity demanding personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've tired 5 times in person between XXXX XXXXand 10 times over the phone to gain information regarding my mother 's savings account with Wells Fargo . I took all the appropriate legal documents to close out my mother 's accounts and have been denied information to her savings holding {$35000.00} dollars at the time of her death XX/XX/XXXX. The XXXX, Ga branch only allowed my to close her deposit box out. I nolonger ever have access to see online information as of XX/XX/XXXX. I did not know where else to look for help. Please let me know what I can do. 
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 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc
State: AL

Complaint narrative:
I have repeatedly told this company to stop calling my personal phone and my work phone, yet they continue. I have requested verification of the debt they claim I owe, in writing, to be mailed to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Around the beginning of XXXX, I believe it was XX/XX/XXXX, I had used the XXXX XXXX app to check my credit score. Upon opening the app, I discovered that my credit score had dropped 153 points thus bringing me down to XXXX points as my new score. I researched the app to find out how this had happened ; I pay my credit card bills every Friday, so it was not that, and I was still in grace period after graduating from school on XX/XX/2018. I found out, from XXXX XXXX, that Navient ( my loan servicer ) had reported a late payment on a federal unsubsidized and a subsidized loan. One, Navient had never informed about a payment due for my federal loans. I called Navient around XX/XX/XXXX to clarify if I had any payments due and the phone operator said " no. '' Two, I logged in to my Navient account and also found that there were no payments due, and all my loans were deferred or still in grace period. I even checked my Navient inbox to ensure that I had no payments due yet. Thinking that this was all a mistake, I opted to try XXXX XXXX 's free credit score reporting system, which also said my credit score was XXXX points. To go even further, I chose to receive my free credit report from XXXX and it also stated that Navient had reported that I was 90+ days late in repaying my federal loans. In conclusion, Navient failed to inform me about ( 1 ) loans/balance from the loans that were allegedly supposed to be paid, ( 2 ) loans that were not actually supposed to be paid off until my grace period ended ( XX/XX/2018 ), ( 3 ) misinformed me about what loans were due when, ( 4 ) failed to track my loans correctly and inform me in a timely manner, ( 5 ) incorrectly reported my loans to the credit bureau, and ( 6 ) had their dispute section of their website unable to function ( probably due to their law suit or overwhelming disputes from consumers ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Riverwalk Financial Corporation
State: VA

Complaint narrative:
I am sick with XXXX XXXX and XXXX XXXX. They used Multiple Toll Free Numbers, calling a total of 16 times within 10 minutes! I tried replying I was Sick, they acted like I was no  XXXX got very loud and kept saying I must speak to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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 — Their investigation did not fix an error on your report
Company: Central States Recovery, Inc.
State: NV

Complaint narrative:
I had filed a complaint recently on Central states recovery requesting that they remove the dispute verbiage from my credit report. Their response was that they would remove the account from all three credit bureaus. As of this date they have not done what they agreed to do. I need this rectified ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
From around XXXX to present I have dealt with pay day loan company. I was told that my credit score was to low to get a large loan so it has been in around {$300.00} plus that I started with, then they gave me a second on a car that was {$1800.00} in XXXX. They have changed management now but the manager that I was dealing with gave me the title to the car and marked it paid in full. Now the new management is saying that it was not paid off but transferred and combined with the other loan. Now they are saying that I owe {$10000.00} it is XXXX the other manager gave me the title back because he knew that it did not take 4 yrs to pay off a XXXX loan. my payments were almost {$400.00} a month and they told me that I could not get big loans because of my credit this why I had to get the XXXX car, and had to get the loans for around {$300.00} but now I owe them according to their records that show that I got money that I didn't get and that though I was given my title to my car, I still owe for it. My payments dropped because I raised such a ruckus but they are still XXXX a month. I know that I don't owe all that money and I need someone to step in on my behalf and help me with this. They have mediation but it is their mediators.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
i have 2 accounts reporting on my credit with Equifax that show a balance. I have provided letters to equifax showing the accounts were paid and ARE to be DELETED from thier reporting. Per Equifax Supervisor XXXX employee ID # XXXX, she stated even though they have received the letters they will NOT CORRECT THE REPORTING. I have contacted the Creditor 's Directly and they have told me that the Reporting was already completed and Equifax was told to Delete the Accounts. XXXX and XXXX  Deleted the accounts on the Same day XX/XX/26, Equifax REFUSES to DELETE or even show its paid off!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have sent 3 letters to the company that is reported on my credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and have not received an response back for either letter sent that they received. The letter has asked for the company to provide the instrument of original indebtedness to validate that the loan being reported is actually mine. I haven't received a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Routhmeir Sterling Inc.
State: CA

Complaint narrative:
Numerous calls to myself and family members saying that there is legal action being taken against me and the local sheriffs department will be notified. Phone number is XXXX. They have even started to call family members employers.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
My direct deposit was set to hit today ... there is no direct deposit just the company American Express Serve company saying that they were doing an update unscheduled, and causing my belief they were hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
OWR NOTICE OF ERROR 524 Injunction : XXXX  XXXX XXXX per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. XXXX kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have XXXX escrow the payment and not apply them. In XXXX XXXX XXXX XXXX transferred the loan to Ocwen. Ocwen began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by XXXX XXXX XXXX which was purchased during the federal stay was still on the property and the plicy debt being asked for by XXXX XXXX XXXX and now Ocwn was not petitioned to be in the bankruptcy plan making that debt discharged.. Ocwen was notified by Mr XXXX in XXXX when Ocwen sent out the transfer notices with the original note information that the loan data was incorrect. Ocwen did not comply with the agreement until XXXX when finally Ocwen corrected the loan in XX/XX/XXXX. Ocwen at that time was still listing a insurance debt owed from XXXX XXXX XXXX and now because of XXXX XXXX XXXX actions to create an escrow account for the insurance and taxes Ocwen began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. Ocwen refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. Ocwen filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now Ocwen has acknowledged that I had made payments and that XXXX   had not been compliant with my Bankruptcy plan. Ocwen has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I opened a court order CD for my minor child, due to his injuries. The account was opened at XXXX XXXX. The court order reads : The blocked account or accounts belong to a minor. The minor was born XX/XX/XXXX. No withdrawals of principal or interest shall be made from this blocked account or accounts without a written order under this case name and number, signed by a judge, and bearing the seal of this court, until the minor attains the age of XXXX years. When the minor attains the age of XXXX years, the depository, WITHOUT further order of this court, is authorized and directed to pay by check or draft directly to the former minor, upon proper demand, all moneys including interest deposited under this order. The money on deposit is not subject to escheat. 
On XX/XX/XXXX, my son now XXXX and 1 day went to now holder of money Chase bank to withdraw his money and was denied, they stated to my son and I we still need a court order to withdrawal the funds. They have in their hands uploaded once again original court documents and are refusing to release funds. We are above frustrated with Chase bank. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
So this is the third time this has happened with bluebird 's American Express card and hundreds of others are experiencing the same problem. You will get notified that you have received a direct deposit from your job into your bank account but for some reason, the bluebird card website goes down and you have no access to those funds whatsoever except the money that was already on it before you received the direct deposit. Customer service informed me and others that this was due to a system update. ( They should not have notified me of my direct deposit if I can't have access to my money. ) On top of all of this, the website is down and you can't check your balance. Also if you try to call the number bluebird provides you on the back of the card, it is automatic and there is no possibility of speaking to a customer service representative or a live person. I and others are considering a class action lawsuit because no institution reserves the right to hold your money like this. The clear explanation of all of this is interest. American Express is involved in financial fraud and is illegally freezing peoples deposits in order to gain from the interest!!! The LAWSUITS ARE COMING!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Between credit reports that I have from Equifax dated XX/XX/XXXX and XX/XX/XXXX, Equifax added the numeral 2 as a suffix to my name. I have requested that they remove the numeral 2. I can not get into the web site as they only show valid suffixes as roman numerals, i.e. II. In other words no way to input a 2, using roman numeral does not work. 
I have never had any suffix. Both Equifax and XXXX have no suffix for me. I have provided Equifax copies of drivers license and social security card. still they will not correct what they did in error. 
This is their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: Dyck-O'Neal, Inc.
State: WA

Complaint narrative:
Had a debt that was 2 years three months old. It was sold to a loan agency. The debt was transfred from credit debt and reported as a loan debt by dyck oneal inc. They reported I did not pay a personal loan for the past 3 months and have impacted my payment history for personal loans. This was not For a personal loan..and was mever a loan of any type. They never contacted me about this change. I called the company on XX/XX/2018 they were not able to give me a answer as how they can do this. Only that they bought the previous company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I financed an auto with Wells Fargo Dealer Services XX/XX/2018 The amount financed was XXXX. ( first payment due XX/XX/2018 ) I made four payments on this loan ( XXXX- XXXX payment, XXXX- XXXX payment - XX/XX/2018-XXXX  payment & XX/XX/2018 -XXXX payment. ( loan showed paid until XXXX XXXX as of this payment XXXX ) The vehicle was totaled by insurance with an accident date of XX/XX/2018 ( insurance deemed total loss in XXXX XXXX Insurance sent a payoff check for {$10000.00} ( their screen reflects XXXX Insurance settlement but check was indeed made out for XXXX ). I was advised on XXXX by one of their customer service agents I would be mailed a XXXX over payment check. On XXXX XXXX I received a check for XXXX. I called Wells Fargo and was told that was all they owed me and did not give a good explanation as to why they are keeping the over payment that was paid to them above the amount financed. If you add the insurance payoff check and the XXXX in payments I made- the total paid to Wells Fargo dealer services was XXXX - amount financed XXXX = XXXX - XXXX check mailed to me = XXXX is left owed to me as far as my calculations show. I would like to know why they can keep this overpayment. In the ledger of my online account it even shows " payoff with overage XXXX '' unapplied adjustment -XXXX. They also show a Late charge adjustment which I am not sure why as There was never a late payment made on the account only future payments made.

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