vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: LA

Complaint narrative:
In XXXX of XXXX we purchased a used motorcycle from XXXX XXXX Harley Davidson and used their finance company to finance the bike. I never would have signed the contract had I known what we were getting ourselves into. The majority of our $ XXXX payment goes towards interest. I emailed the billing department on XX/XX/XXXX to find out how I could make payments directly to the principal. I was told that I had a simple interest loan and couldn't do that. I have no idea what a simple interest loan is or that that is the type of loan we had. I feel like we have been a victim of a predatory loan. I had no understanding & wasn't explained what the terms were. I was just told what the payment would be. I had no idea the majority of that was going to interest and I couldn't pay to principal also. I thought that was illegal?? We don't even want the bike anymore. We tried to refinance elsewhere and were told we owed XXXX more than the bike was worth so we can't even refinance or sell. I feel betrayed & although this is my XXXXXXXX XXXX, it will most likely be my last. Being done like this took all the joy out of it for me. I heard that Harley had recently fired the person in charge of sales. They need to think about not having loans with these terms also. Returning business is there business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
i recently went online a obtain a copy of my 3 credit reports and noticed accounts i did not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
Lender : Bank of the West Refinance of Mortgage on Primary residence. Disbusement date was XX/XX/XXXX. 
Cash back to myself was to be {$22000.00}. This was not received until XX/XX/XXXX, the day after disbursement, even though my interest was being charged from XX/XX/XXXX. This {$22000.00} was only received after several calls to Bank of the West. 

The other main reason for the refinance was to pay off high interest rate credit card debt. 
This debt amounted to {$45000.00}. This was to be paid by the mortgage company directly to each credit card company. Statements from each card company with mailing addresses and account numbers were provided to Bank of the West to assist in paying these cards. 

By XX/XX/XXXX I began to check if these cards had been paid and they were not. I called Bank of the West Loan officer several times and they said the payments were mailed. It is now XX/XX/XXXX and still none of these credit cards has received payment. 

After a week and a half I find it hard to believe the payments were ever mailed. I asked Bank of the West for evidence that the payments were mailed and can not provide it. 

In effect I am paying interest on a mortgage loan which I have not received the full proceeds from and also continuing to pay high interest rates on the credit cards. 
I am also going to assert that if the APR was recalculated with this new information, that the quoted APR from Bank of the West would be out of compliance.

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 2020-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have described this problem in detail in the pdf file I have attached to this complaint. In summary, Wells Fargo is denying me access to credit. I believe it is trying to steer my mortgage into foreclosure. 

In the process of filing this complaint I realize that I have listed my loan number as my account number in the attached documentation. May this serve as a correction.

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 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchase a car with 2 debit cards one didnt have enough money on one them to complete the transaction and the other made the difference when I Disputed the transaction it did not go through the investigator stated not enough documentation on the second debit card  after I contacted the bank about the amount I wanted to dispute on the transaction 2nd time and I did not have a problem with XXXX  XXXX XXXX they returned the bulk of money owed after investigation {$5600.00} but Regions Bank would not return my money to my account after I disputed it 2 times {$1000.00} they needed more proof the proof is a receipt that I paid and the car was returned to the dealer and I wanted my money refunded back Regions investigator claim not enough documentation so it would not be lot Of documentation because I paid right then and the next day disputed this transaction because of fraudulent practices and charges on my card By this car dealership and the vehicle was not working I dont believe anyone should have your money and what you purchase too violates your right as a consumer also I believe the debit card fee should be fair after return of purchase

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 2020-07-30 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: MD

Complaint narrative:
i recently obtain my credit report and noticed accounts and inquiries i did not authorize

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 2020-07-30 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: MN

Complaint narrative:
This writer submitted a dispute to Experian on XXXX. And a follow-up correspondence from Experian they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from Experian to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that Experian would need any further information however has agreed to provide that information to Experian for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing Experian to Block the Following two accounts from being reported as they are result of identity theft XXXX  XXXX XXXX Acct # XXXX and XXXX/XXXX  XXXX  Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell Experian has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with XXXX XXXX XXXX Police Dept. Both reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information

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 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i recently obtain my credit report and noticed accounts and inquiries i did not authorize

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 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
This is a new complaint against TD Bank. The issue of discrimination was not addressed by the bank in my prior complaint # XXXX. 
My husband and I applied for a refinance of our primary mortgage in XXXX/2020. The process was delayed, communication was poor and multiple requests for the same information was used to delay the processing of our application. Given my field of work, I was able to respond within 24 hrs for all requests. However, this process was significantly delayed and TD Bank purposely allowed the rate lock to expire by not handling our account expeditiously. There are many documented emails to this effect. This delay was purposeful and we are highly qualified applicants who indicated that we are XXXX. This discriminatory practice should be sanctioned. The only outreach from TD Bank regarding this situation was after the above complaint was filed, conspicuously the day the complaint reached the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Bought a new XXXX truck in XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX  with extra warranties and packages and was told I have 30 days to change my mine and cancel for full refund. I canceled within thirty days and was told the refund will be sent to my lender Citizens One Consumer Loan Services in the amount of ( {$3800.00} ) but as of date my account has not been credited the money. XXXX XXXX XXXX in a letter state the money was sent to my lender. I reach out to the Illinois Attorney Generals Office to get that information from the XXXX XXXX XXXX. I then contacted my lender Citizens One Lender and they state they could not find any reimbursement check from XXXX XXXX XXXX. Now I am reaching out to you to help get my reimbursement money owed me. I am paying for a loan that still include the {$3800.00} in the loan on which is causing me to pay more interest. I have no way to electronically send documents but if you will send me a claim and the attention who to send the documents too I will mail them. All my contacts with the Attorney General Office was by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
purchase mattress at Raymour & Flanagan, XXXX PA store - XX/XX/19 salesman convinced me I should charge on y R & F credit acct and I could pay 30 days after receipt of bill from them. I moved  and changed my address -mattress was delivered to my new address. New house-lots of purchases, so did not notice that I had not received a bill until I got one in XXXX. This bill was from TD Bank and had late charges. I called them. They said they had sent 3 bills to my previous address and the third one was returned to them. They then contacted R & F and got my new address. They said they would take away charges and I drove to R & F and told story ( I never opened a credit card with TD bank ) I paid for the mattress on that day XXXX/XXXX/19 to R & F. TD bank continues to bill me with more late charges and said they dd not receive that payment until XX/XX/XXXX. 
I have pages of correspondence to TD bank as well as XXXX XXXX XXXX ( who refused to do anything ) TD Bank has now turned the sum of {$200.00} to collection agency and notified the credit bureau. I am XXXX yrs old and have perfect credit - always pay in30 days. I believe R & F is at fault as the never gave my new address t TDd Bank and I am not sure why It was T bank that is billing me as I used a R & F credit card. TDd bank even sent me a credit card which I did not request. R & F told me TD handles their financiia accounts but I was not aware of this if I pad R & F 30 days from bill. 
I do not plan to pay these fees. Thank you for your help an concern. I have lost a lot of sleep over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I attempted I believe a few months ago, last year and even today ( today twice ) to link my PNC card to an app but their having connectivity issues or whatever but its every single time. All I would get is emails from Pnc bank saying that they received a request to link my bank account but it never went through. I spoke to PNC about it the first time and still no help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
By letter dated XX/XX/XXXX that is enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) as complaint number XXXX with false statements as it pertains to an already time-barred debt and mortgage identified with account number XXXX, by : falsely addressing the Estate of XXXX XXXX XXXX as the Customer ( s ) for the above referenced account number when no such estate is connected to my property, and my husbands name was not XXXX XXXX XXXX ; and falsely declaring that I defaulted on my mortgage loan as of XX/XX/XXXX and mentioning the active illegal foreclosure under Docket No. XXXX wherein XXXX and PHH are falsely declaring XX/XX/XXXX as the date of default, when at all relevant times : ( 1 ) the false date of default as of XX/XX/XXXX contradicts the XX/XX/XXXX date declared for the same transaction under Docket No. : XXXX and a true copy of foreclosure complaint filed therein on XX/XX/XXXX ( the same day of my husbands death ) is attached hereto as Exhibit B ; ( 2 ) the false date of default as of XX/XX/XXXX misrepresents and falsely implies that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) the false date of default as of XX/XX/XXXX unlawfully conceals approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX during an extreme time of grief upon my husbands death, with approximately $ XXXX being cashed by predecessors and affiliates of XXXX and PHH as displayed within the checks enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX XXXX  '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

In closing, the conduct set forth above constitutes false statements to the CFPB by XXXX and PHH in response to complaint number XXXX in violation of 18 U.S.C. 1001, mail fraud in violation of 18 U.S.C. 1341 and continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for  the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on 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 2020-07-30 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: AES/PHEAA
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased an XXXX flight using my Capital One Mastercard on XX/XX/2020 for the amount of {$800.00}. The flight was due to take off in XXXX. XXXX cancelled the flight " due to an abundance of caution. '' I requested a refund from XXXX and they refused, offering a flight credit for a flight from XXXX that expires in less than a year. I then disputed the charge with Capital One but they too refused to issue a credit, stating I did not document " how the merchant violated an operating guideline. '' XXXX says the flight is nonrefundable but that does NOT apply ( according to their own contract of carriage ) if they fail to provide the flight. 

XXXX 's Contract of Carriage in Section 17 : Schedule Irregularities/Changes and Cancellations states In the event of a schedule irregularity ( cancellation ), the carrier will provide certain options. They may provide for alternative transportation in this case however Section 17.3 ( 5 ) clearly states that when the passenger declines the alternative transportation proposed by the Carrier, the unused portion of the passengers tickets will be refunded. 

This cancellation was wholly within the control of XXXX as they clearly stated this was a preventative measure and not because of any rule or regulation imposed by any governmental authority or other travel restriction so this should be classified an involuntary refund and therefore the rules under Section 21.2 should apply. 

Mastercard 's policy document called " Dispute Resolution Management During COVID-19 '' states customers are due a chargeback if " the cardholder prepaid for services ( e.g. flight or hotel reservation ) and the cardholder was notified that the merchant will not be able to provide the services. '' Finally, according to US law, that " U.S. and foreign carriers, operating at least one aircraft having a seating capacity of 30 or more seats, that passengers should be refunded promptly when their scheduled flights are cancelled or significantly delayed. '' I have clearly declined the Carriers alternative transportation and are therefore respectfully requesting the refund in our original payment form as required by the Contract of Carriage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
RE : Fingerprint Requirement to cash checks - Possible Security RISKS to personal technology and privacy - MUFG Union Bank  Office of the President and XXXX XXXX XXXX CFPB, MUFG Union Bank, XXXX XXXX and XXXX XXXX : This complaint was filed due to not receiving any response about my check cashing experience at your bank located in California. I am a current safety box ( Signature Card Holder ) at branch that cashed check. Please ask XXXX that she can verify my signature on file and she knows me as I am a former employee. Is this the way you treat ALL former employees of the bank? 

On XX/XX/2019, I went to the local branch of Union Bank or MUFG Union Bank and wanted to cash a check written to me from my mom ( Check Number XXXX in the amount of {$760.00} was drawn on Union Bank ). I went to the teller window and was asked for 2 pieces of Identification. I had that and provided it. Next, they asked me for ID to cash my mom 's check. I was shocked at the request and had the employee ask XXXX ( Customer Service Manager ) if I still had to give the fingerprint even if she can vouch for me as a her former employee. According to her, I was required to provide the fingerprint. It hurt me that they did not trust me cashing my own mother 's check. 

Trust is very important and I did nothing wrong for them to treat me less than equal to other former employees. Also, due to the new smartphone technologies, fingerprints are now more a security or privacy risk and can be a possible violation of 4th amendment rights. The use of fingerprints as unlock feature can pose as this risk and the bank should protect consumers, as well as, find new ways to secure assets. No one believes me. 

I previous complaint was filed with the CFPB and hope this can be resolved correctly. Can you please ask XXXX XXXX why I am unable to bank with my family at Union Bank or MUFG Union Bank and to avoid these type of check cashing issues in the future? 

Respectfully submitted for review.

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