vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Like many people, I don't really use my savings account. It's a nice perk I guess, a rainy day fund that allows me to mentally set some money aside. I've had checking and savings accounts with Bank of America for almost 15 years now. For almost all of that time, no fees. I grumbled but accepted it when my checking account gained a conditional fee a few years ago -- a change I originally found out about on the news, rather than the bank telling me ( I did get two emails from the bank that outlined the change later, before it took effect ). 

But apparently, my savings account was ALSO converted arbitrarily. I only got one email mentioning any sort of fee or change, on XX/XX/XXXX. The email was deceptively titled " Welcome to your new savings account '', an anodyne marketing phrase that most people tend to ignore and bearing almost no relation to the actual, involuntary changes made to my account. The " new '' account apparently requires an independent balance of {$500.00} dollars, or else an {$8.00} charge is applied monthly from the same account. So, back at the start of XXXX, I decided that the piddling amount of interest they were offering was irrelevant ( something like XXXX cents earned in XX/XX/XXXX ) especially compared to 1 % interest peers, and transferred a good chunk back to my checking account. I did not realize any changes had been made to the account, much less without a good-faith attempt at contacting me about it, and at the time I hadn't been charged anything because my balance was high enough. 

Since the beginning of this year ( XXXX ) I have been charged XXXX dollars monthly. I didn't realize this as, like again virtually all people, I assume that a savings account will never change and is not something I would check regularly. I only discovered this today, where I asked to get refunded ( only two months were refunded ) and closed the account. 

This is possibly the most anti-consumer practice I've seen in a long, long time. The charges are drawn from the savings account directly, where they are not likely to be seen and noticed by the customer, even though the checking account is linked. The charges bear absolutely zero relationship to the actual cost of managing a savings account, which is minimal for virtually all banks. Changes were made to the account without what I consider a good-faith attempt to notify the customer. I would expect a phone call or multiple, specific emails containing the information about the change prominently instead.

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 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY BR CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED BR BECAUS OF THE FRAUD. YOUR COMPANY FILED A BR CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR BR OFFICE. THIS CONSTITUTES BR FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. 

IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH BR DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
This complaint is regarding EdFinancial student loan processing. 

On XX/XX/XXXX I called them to request a refund for payments I made since the Pandemic pause was initiated on XX/XX/XXXX, which I am permitted to do as part of the Student Loan forgiveness. 

When I called EdFinancial, they were incredible deceptive about the timeline for any refund processing, whether it could even be processed, and what the amount would be. Despite their website saying they could access my payment history, the representative I spoke with was unable to even tell me how much I had paid since the Pandemic pause began ( though there was direct language on their website saying that, if I had any questions regarding how much I've paid, to call them and they could tell me ). He also could not tell me what form the refund would take, and even said it may take up to 7 months to process. 

I find this to be incredibly misleading and the timeline to be both deceptive and unacceptable. 

Because EdFinancial seems unable to track their own payment history, I have itemized my payments made on my student loans. 

Total : XXXX By date : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I am requesting the refund I am entitled to, back to the bank account I utilized to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Our original loan was a 15 year mortgage. The end date was XXXX. All payments were made on that loan. Why is this account still open and taking payments through XXXX? 
Spoke to Huntington to no avail. They are allegedly investigating. This mortgage was never refinanced. We are seeking a refund of monies paid in excess, and a dissolution of a single repeated XXXX charge that they can not explain, but never removed. 
Sincere thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Dear Service Representative : In early XXXX, we received an email that Bluebird decided to close our accounts. It specifically mentioned a {$500.00} refund from XXXX and that the balance in our account will be sent to us. We have not received any money, including the {$500.00} from XXXX. It has been more than two months. 

Bluebird suspended access to our account, locking us out of the record keeping. In addition, customer service rep XXXX on XXXX at XXXX CST said he could not access the records either, but he could see our account was suspended and to contact Bluebird via snail mail. There was no email or phone option. Hence this letter. 

Please send us {$500.00} each plus whatever residual was left in our account. You can verify the XXXX transaction directly with XXXX loss prevention at XXXX ( XXXX ) XXXX as properly processed on their end. In addition, Serve acknowledged receipt of the funds via email to us. 

As it stands, we believe Serve is in violation of banking laws and is illegally withholding {$500.00} each plus residual balance in our accounts. In addition, they are denying us access to our records to file legal claims. 

In addition, Bluebird believes we violated the terms of the Bluebird agreement. No such reason was ever given of what this was nor was XXXX able to provide anything. This seems be to a pretext to illegally withhold our funds.

Please send us two checks immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I made a transaction with a company called XXXX XXXX. The company stated in order for me to receive a refund, I needed to cancel the service within 3days. Service was cancelled the same day and the company agreed to refund me the amount of {$380.00}. I filed a dispute on XXXX in regards to a charge of XXXX from a merchant XXXX XXXX APARTMENTS. I filed a dispute because the merchant stated in XXXX they will refund me the amount and i should wait 30days. After waiting until the end of XXXX and not receiving the check, I contacted Webster Bank to inform them of the situation and told them I would like to dispute the transaction because the merchant stated they will refund me and never did. 

Webster Bank initiated the dispute and provided me with provisitional credit. 

In XXXX I received a call from XXXX XXXX stating they will not be refunding me anymore because they received documents from Webster Bank stating I was disputing the transaction. Mind you I have back and forth emails between the merchant and I. Merchant kept lying to me stating they were mailing me a check and didn't. 

On XX/XX/XXXX, {$380.00} was debited from my checking account from Webster Bank in regards to my dispute. They stated my dispute was denied because I didnt provide the documents they requested. I informed Webster Bank that I never received any documents from them because I am currently not at the address they sent the documents to. I explained to them I go to school in a different state, ( TEXAS ) and I am currently in Texas until XXXX. I told Webster Bank I wasn't aware they were sending me documents. I proceeded to update my mailing address after I gave it to them previously. I requested they reopen the case since I never received the documents they sent me. 

On XX/XX/XXXX at XXXX I spoke to XXXX in the dispute department she informed me the dispute that was reopened was denied because I didn't send the information the first time they requested. I informed her again that I never received the documents! She proceed to tell me there's nothing she can do and I need to contact the merchant. The merchant told me because I disputed the transaction, they can not send me the check anymore. But the same Merchant previously lied and told me they already sent me the check back in XXXX but NEVER DID. 

On XX/XX/XXXX I faxed Webster Bank informations between the merchant and I. I faxed them email of me requesting my Money from the merchant and the responses from the merchant as well.

Now {$380.00} is missing from my account and the Merchant is refusing to refund it now and Webster Bank IS TELLING ME there's nothing they can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has been repeatedly calling me for several years now from the number XXXX, which shows in called ID as XXXX. 

The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I have also received numerous letters in the mail. I am a student who suffers from XXXX, and these calls cause me constant anxiety to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Portfolio Recovery has been repetitiously calling me with the intent to annoy and harass me. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I've been a customer of XXXX for several years, I've not missed a bill because my account has always been on autopay via credit card. In XXXX I switched plans from cable to internet streaming. XXXX I believe provided me a new account number, however they did not inform me of an additional amount owed of {$93.00}, which I did not know about until recently when running my credit. I paid the balance to the collections agency, Waypoint, on XX/XX/XXXX of this year. Since then I've requested several times to receive a deletion letter to remove the amount from my credit report, but these requests have gone unfulfilled. I believe that submitting my balance to a collection agency should never have happened in the first place as I currently have services with XXXX with no interruption in service that would have warranted a non-payment collection. I don't believe I should be held at fault that XXXX did not link the accounts together when I amended my plan options. Given the digital age their system should be to link accounts ( active and open ) when they have my name, SS #, address, etc. I do expect more from a communication company with how they treat their active customers. 

In short, due to negligent account management this collection needs to be removed post-haste from the credit bureaus due to erroneous mismanagement of my account and negligent communication to me by their representative with the process to expect when I amended my services. Also please note again the amount was paid to the collection agency once I learned of the balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trans Union XXXX XXXX  is reporting incorrect information, XXXX XXXX XXXX is reporting a XXXX loan that was included in a bankruptcy, they are reporting the debt affirmation just filed XXXX XXXX never know what affirmation was I called XXXX and turn in the vehicle but its still active on credit report. Turn in date XX/XX/2022 2022

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 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I called my loan servicer on XX/XX/2022 to refund payments that I made during the Covid-19 forbearance. These payments total {$26000.00}. Since then, I have not received any confirmation about his request, and have also called and emailed the company. Moreover, about {$1000.00} of the refund payments are from a checking account that is no longer. I've repetitively contacted the servicer, but have not received a refund check, an updated balance, nor much information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already filed a complaint with CFPB and have not received any results regarding experian. There is an account on my report that experian refuses to delete although the company is in violation of the FCRA. Experian is the only agency that continues to report this bogus debt while XXXX and XXXX deleted it from my profile. The complaint is against experian but the creditor is XXXX XXXX XXXX  XXXX. The amount of the debt they are attempting to collect is {$9200.00}. This debt is wrong and It is affecting my buying power for a new home. Experian will not allow me to dispute the debt again.

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 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My mortgage obligation was transferred from XXXX XXXX XXXX XXXX recently to Fifth Third Bank. I can not pay this mortgage obligation online due to arbitrary reasons. Fifth Third Bank requires that you visit one of their retail branch locations to set up their online banking service to make payments. The closest retail location is over 10 miles from my residence. This isn't an actual security requirement to visit a branch location. It is a ploy to cross-sell potential new relationships on retail banking products by requiring people to visit a branch location. This is unethical and disparately impacts people with disabilities, of whom my wife is one, and as she is on the mortgage obligation, this directly impacts her. 

To my knowledge, no other mortgage servicing firm has such arbitrary requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. 

The calls have come in before XXXX XXXX  and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a XXXX  who suffers from XXXX, and these calls cause me constant XXXX  to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

XXXX XXXX XXXX has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit

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 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MidLand Credit Management has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. 

The calls have come in before XXXX XXXX  and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a student who suffers from XXXX, and these calls cause me constant XXXX  to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Midland Credit Management has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 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: TX

Complaint narrative:
I do not recognize the following inquiries on my credit report. These inquiries are a result of FRAUD/Identity theft. Please remove the following inquiries from my credit report as I do not recognize them. My personal information was exposed in the XXXX data breach. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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