vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 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: AES/PHEAA
State: NM

Complaint narrative:
I have been enrolled in automatic payments for my student loan repayment through XXXX XXXX XXXX  for over a year. Today on XX/XX/XXXX I checked in on my account to see if they had received paperwork I submitted several months ago to renew my enrollment in the Public Service Loan Forgiveness program. When I logged onto my account, it said my last posted payment had been forXX/XX/XXXX. I double checked my bank statements and there has been no automatic withdrawals on my account since XX/XX/XXXX. I received no notifications from XXXX XXXX XXXX   that my payments through automatic payment had been suspended or that I had late payments. When I attempted to reach a loan service officer via the toll free number, no option was given to me to speak to a representative. I am highly concerned I will now be billed {$600.00} in back payments for payments that should have been billed and drafted from my account automatically over the last 3 months, or that these late payments will be submitted to credit reporting companies. Additionally, I have gotten no confirmation of my enrollment in PSLF program and no assurance that I am making qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
tsi a debt collector compay sent me a bill showing that I owe XXXX   dollars regarding unpaid toll fee with XXXX  on XX/XX/2017 ( XXXX  for toll fee and XXXX dollars for debt collector fee ).

I was disagree with this action because I remember I paid the toll fee in cash at that time and I travel to New York once a year and even if this is true that I may owe to XXXX   the amount of XXXX us , I did not reveive anything by mail from.

The debt collector company is trying to make me pay the total amount of XXXX us $ which I dont accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On Saturday XX/XX/2018 an unknown individual walked into a TD Bank located in XXXX, NJ ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX  ), fraudulently without my knowledge filled out a withdrawal slip with my banking information and signature and withdrew {$500.00} from my checking account. I have notified the bank, TD, and filed a police report. Upon finding this information out on the following Monday when the withdrawal posted to my online banking statement, I immediately notified the TD Fraud department and my local branch. I discovered during conversation with 2 individuals working at the XXXX, NJ bank and XXXX, NJ bank that it is not mandatory TD protocol to check state issued identification with a withdrawal. It was stated to me that it is the tellers discretion to check ID and for amounts less than {$500.00}, they may choose to verify the signature. A teller is not a handwriting specialist trained to distinguish forged signatures. This lack of protocol or enforcement of safety procedures to ensure the safety of their customer accounts is highly concerning. I find this information incredibly violating that any individual that has ever retrieved a check or has stolen your bank account number can walk into a bank, forge your signature, and walk out with your money without questioning. This is blatant negligence on the part of TD bank and the teller. The funds have yet to be refunded and must await completion of the police investigation. So the consumer is being penalized for TD 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We live in Florida and had to evacuate for Hurricane Irma. Our area was declared a disaster zone and we were told that mortgage companies were required by the federal government to give us a 90 day grace period on our mortgage payments because of that. We contacted our lender, Mr. Cooper, and they confirmed that this program was available to us. They immediately put us in some kind of forbearance/deferment which they confirmed in writing. At the end of the 90 days, they declared us in default and demanded immediate payment of three months ' worth of mortgage payments. We contacted them and they're saying that we have to apply for refinancing. In other words, they're not moving the three payments we were given grace for to the end of the loan. It doesn't make sense that they would expect us to have all three payments available since the whole purpose behind this program was to compensate for the fact that we weren't able to work while our area recovered.

We've talked to Mr. Cooper several times and they're refusing to work with us outside of forcing us to refinance. They've accepted several payments from us, but they're still forcing the issue. We don't think this is just or in the spirit of the law. It sounds like a scheme to try to take our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED or FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
Hi I opened a BUSINESS VALUE XXXX account on XX/XX/2018. The account was opened with promo code XXXX which is for {$300.00}. I am having difficulty with online customer service in confirming that the account is coded correctly and as to when the bonus will post.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: WV

Complaint narrative:
When my loan was transferred to Nelnet in XX/XX/XXXX they began listing a borrower benefit of a 1 % rate reduction after 36 on-time payments. I am not aware of/do not remember seeing this benefit before the transfer to Nelnet. In approximately XX/XX/XXXX or XX/XX/XXXX I inquired about paying ahead in order to meet the 36 on-time payments requirement so I could get the 1 % rate reduction. I was told at the time that it had to be " on-time '' payments, and paying early would not meet that requirement. So, after making the 36th on-time payment I was awarded the benefit and the 1 % rate reduction began with the XX/XX/XXXX statement. In XX/XX/XXXX I received notice that the borrower benefit that had been listed on my account for the previous three years was done so in error, and as such it was being removed. I inquired about this with Nelnet and was told it should have never been on the account and that I actually benefited because they were not making the new interest rate retroactive. I informed them that I only began receiving the benefit after I had made 36 payments with them, not since the loan was transferred to them. I further inquired why the benefit should have been removed initially ( by the previous servicer ), and after some research by Nelnet was told that I had made a late payment in XX/XX/XXXX. I asked to be provided documentation of this as I have never made a late payment since my loans had gone into repayment. I was sent a letter dated XX/XX/XXXX ( not XX/XX/XXXX when I was supposed to have made the late payment ) that stated I was no longer eligible for one or more borrower benefits and the benefit had been removed. The letter did not state what benefit had been removed, nor the reason I had become ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XX/XX/2018 I initiated a wire withdrawal of {$25000.00} from my account at Coinbase to my US-based private investment account. There is no evidence whatsoever that Coinbase made any attempt whatsoever to initiate the wire, despite the best efforts by me and my very capable financial advisor to look for it, but Coinbase nevertheless debited my account {$25000.00} and have failed to respond to customer service requests with anything other than automated responses that are not even pertinent to my issue. On one occasion they had the gaul to close my customer support ticket for no apparent reason. After I reopened my support ticket that they had closed, they asked me to provide information that I had already provided. I nevertheless provided ( again ) all of the information that they requested. That was 8 days ago, and there has so far been no further response from them.

Many others have been reporting similar problems with Coinbase on social media for months. This fact, coupled with the recent publication of a Coinbase bug that made it possible for unscrupulous users to credit their Coinbase accounts with unlimited ether, should prompt the CFPB to question the solvency of Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX XXXX Accounts- XXXX XXXX, XXXX XXXX XXXX and catherines accounts are incorrectly showing balances. Attempt made to correct with XXXX XXXX unsuccessful. Account balances are all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I made arrangements to payoff an old loan at a discounted amount of {$400.00} contingent on a re-loan which I was told was approved. Payment of the {$400.00} would be made on XX/XX/XXXX At no time did I authorize an automatic withdrawal of the {$400.00} from my checking account. I was to call on XX/XX/XXXX and at that time process the payment and process the new loan.

On XX/XX/XXXX at XXXX  I reviewed my checking account to see that an automatic withdrawal of the {$400.00} had taken place. I telephoned the company and spoke at at least ( 10 ) different people indicating to them that I had not authorized an automatic payment and requested that the transaction be stopped and or reversed and the {$400.00} be restored to my account. They indicated they had made a mistake by not informing the withdrawal would be automatic and they could not issue the new loan or stop/refund the {$400.00}. This was a typical bait and switch and that the {$400.00} was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization onXX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
I have contact Design receivables numerous times to validate this deb to be mines. I have asked for my signature to show that this debt actually belongs to me and have yet to hear any correspondence from this collection agency. I have also ask if they are governed to collect debts in my state and city. This debt doesn't belong to me and every attempt that I have made I have never gotten a response. Yet this debt goes up and I am also wondering how can a debt owed increase. I would like this account removed for because it doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
1- TD BANK N.A . XX/XX/XXXX. {$3200.00} 2- XXXX XXXX XXXX XXXX. XX/XX/XXXX. {$2000.00} 3- XXXX XXXX XXXX . XX/XX/XXXX. {$1200.00} 4- XXXX XXXX. XX/XX/XXXX. {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have sent 2 letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed a fraudulent inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
My wife and I started having trouble paying our mortgage after my wife was diagnosed with XXXX and quit working. We started the loan modification process, which was a lot of work. We knew there would be applications and documentation that would need to be submitted, but it seemed like everytime we completed a task, suddenly there would be an unseen hoop wed have to jump through. We brought in some help from a local HUD agent, which helped get things moving. We finally got to what seemed like the last step of the process, which was a letter of explanation regarding who was listed on the title of our home XXXX my wifes name is on the title, but not the actual loan ). I drafted the letter, faxed it in within a day or XXXX, I even explained that the title included my wifes maiden name and had since changed since we were married. Well, my mortgage company came back and said I was denied because I was unable to provide a clear marketable title .... My HUD agent tried contacting the company, but could never get a straight answer as to why, other than having my wife listed on the title of OUR home, we were denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
In final review step 2 it says I didn't contact Freedom Mtg to resolve but I did. Trying to edit step 2 to change that to a " yes '' said all would be wiped clear so I left it as No. 

Clicked on a link reported to provide current mortgage rates. Ended up starting an application with Freedom Mortgage while we were driving from Connecticut to XXXX. We lost cell coverage and never completed the application. 
My wife and I got letters in the mail saying that our application was denied. There was a block to be checked " Credit Application Incomplete '' but it wasn't checked. There was a box checked on page 1 that said the denial was based upon credit report information. On the second page a box was checked saying that our credit score was used in making the decision. We both have scores over 790 which  Freedom Mortgage reported verbally was excellent. There were also comments typed in, " Amount owed on revolving accounts is too high '' and " Too many inquiries last 12 months ''. 
I called to complain that I didn't want a negative report making judgement about our balances when they didn't even know our income. I only wanted a letter stating that the application was never completed. 
They took the forms and checked the block on page 1 showing the application was never completed. But they didn't un-check the blocks related to the credit report, scores, or remove the comments. They said XXXX  put those comments there. I called XXXX  and they said they don't establish standards for credit approval or denial. I went back to Freedom Mortgage and they insisted they couldn't remove the notes. I told Freedom Mortgage that I was going to submit this complaint.

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