vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I deposited a check for XXXX from a retirement fund. I had to cash out of my retirement fund early due to financial hardships. I called TD Bank on XX/XX/XXXX to find out when my money would be available and she told me it would be available the morning of XX/XX/XXXX. This morning when I checked my bank account it said there was a hold placed on the deposit. I called ( XX/XX/XXXX when they told me it would be ready ) and I was told there is a 6 day hold on my deposit because they needed to verify the funds. Why did one person say the XXXX and one person say I still have to wait 6 business days which is ALOT more than 6 days. They are now telling me that my money will not be available until XX/XX/XXXX!! I had to get that money because I desperately need it and now they are keeping it from me. I had to evacuate from my house in North Carolina due to the hurricane and now I dont even have money to get back there or buy a dehumidifier for my house that flooded. It's my money and their explanation was not enough. I want to access it now. I need my money now. They just want a hold on my account because I was overdrawn and they want to collect all their overdraft fees so I can be more in debt before I get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I completed 120 payments to fulfill my Public Service Loan Forgiveness Program this year. I received a letter on XX/XX/XXXX from XXXX XXXX that was consistent with previous letters and indicated that I had 2 remaining payments and that I would complete my 120th payment in XXXX. I then received another letter on XX/XX/XXXX, now indicating that I had 4 payments remaining and that my final payment would be in XXXX. I immediately called to dispute this as I noticed I was now being credited two payments less from XX/XX/XXXX through XX/XX/XXXX. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I did call however ask for a review. Then on XX/XX/XXXX, I received a letter indicating that I still owed 4 payments and now their was 1 more payment from XX/XX/XXXX to XX/XX/XXXX, but one less from XX/XX/XXXX to XX/XX/XXXX than the previous letter. I called again questioning further discrepancies and wanted an explanation. After a lot of rudeness and talking over me, a representative indicated that two of the payments weren't credited. Although I disagreed, I figured it was easier to pay two more payments than to have to go to my bank and pay to request the old statements. I asked for another review. After speaking with this rude rep, my problem got worse. I received a letter on XXXX now indicating that I owed an additional 34 payments and that I would not be done until XX/XX/XXXX. I went from 2 to 34 payments remaining in 2 months. I submitted my request for loan forgiveness and requested forbearance to give them time to review and correct so that I wouldn't have to keep paying in XXXX. I was denied quickly on XX/XX/XXXX. I was frustrated and upset and I spoke with XXXX on XX/XX/XXXX. She indicated that she was requesting a manual review and that it would take 60 days. She said I should follow up in XXXX. After not hearing anything I contacted XXXX on XXXX. He said he saw that problem was that my account was placed in Pre Pay Status. He said he entered a request to remove it would expedite a request to have a manual review. Again, this would take 30-60 days. After not hearing any news and receiving notice that my forbearance was over and payments would continue, I contacted XXXX on XX/XX/XXXX to follow up on the status. He said he would again request a manual review and that the Department of Treasury has to review the payments. He would not provide me a timeframe. Please assist me as my account has been severely mismanaged and I have not received good customer service and follow through from the loan servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Unisa, Inc
State: NY

Complaint narrative:
Complaint Pertaining To : Collecting account information from and having contact with the owner of my student loan, UNISA , INC. ( www.unisainc.com,  XXXX ) I am extremely concerned about fraud with this company. 

On XX/XX/XXXX, I signed a disclosure statement at XXXX XXXX College of XXXX stating my understanding of undertaking a Federal Perkins Loan for {$3500.00}. Initially, the loan was owned by XXXX XXXX XXXX ( XXXX ), but was transferred to UNISA , Inc. on XX/XX/XXXX. 

Besides an initial letter and one quarterly statement I received on XX/XX/XXXX, I have received no correspondence from UNISA , Inc. They have a website, but it's links are non-functional. I emailed them earlier this month ( more than 14 days ago ), and no one has contacted me. No one answers their customer service line. I can not log in to their website because the website is telling me I have no account, but the link to create an account does not exist. All I want is access to my account to ensure that I have full understanding of how my payments ( which come out monthly despite not being able to contact the company ) are being applied to my loan.

Please investigate the legitimacy of this company and advise on this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Del Toro Loan Servicing, Inc
State: FL

Complaint narrative:
My wife and I sold a condo in XXXX of this year. We accepted a down payment from the buyer and agreed to let the buyer make interest-only monthly payments of {$3400.00} for a few months until he paid off the remaining principal of {$910000.00}. 
At our realtor 's suggestion, we enlisted Del Toro Loan Servicing Inc to collect the buyer 's payments and deposit them to our bank account, all loan expenses to be paid by the buyer. 
The buyer paid off the loan on XX/XX/XXXX along with his final interest payment. 
We expected that payment to be {$910000.00} plus {$3400.00} equals {$920000.00}. 
Instead, the deposit to our account was for {$920000.00}. 
When I asked Del Toro why the payment was {$110.00} shy, I was told it was because the buyer was one day early with his payment.

My agreement was with Del Toro, not the buyer. I really don't care about the timing of the buyer 's payment to Del Toro.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a XXXX XXXX debit checking account for several years, last able to be used around 2016. As their app provides instant notifications, I noticed a fraudulent attempt to transfer money out of my account. I immediately notified XXXX who was able to stop the transfer out of my account. To prevent this from happening again, they said they had to close my account ( rather than just issue a new card/number ). My account was closed and I received a check for the balance. My problem is the bank will not open a new account and continues to tell me it is a technical problem that's being worked on. It has been two years and I would appreciate the opportunity to bank with them again as I like the service they offer ( budgeting app on phone ). In this day and age, I refuse to believe that someone can not override or reset my information and allow me to apply successfully again. I've seen others who had the same experience after reporting fraudulent transactions. I don't know anyone who hasn't experienced some sort of fraudulent/incorrect transaction at one point or another, so I would imagine eventually the bank will cease to exist as they will have closed everyone 's accounts. Somethings not right here or someone isn't disclosing their true business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX XXXX has been continuously calling me, my sister, my grandmother, my stepdad, and my stepdad 's sister, who we have no contact with. Everyone but the person who's debt it is, my mom. They have not called her phone once, but have attempted to contact me over 30 times within the past few weeks. I consider this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
I went in for a procedure in XXXX of 2016. I was told the procedure was {$5000.00} flat fee all included and insurance covered it. I paid my copay and had the procedure done. Now, 2 1/2 years later, this is on my credit report for {$910.00}. Much of this is fees and add on XXXX. charges for surgical trays and a consultation that were never mentioned. I had the procedure on the same day as the consultation where I was given all of the information. They checked my insurance, verified it was covered, took my copay before they would operate and then performed the procedure. The attached invoice shows that the insurance company actually paid them more than their quoted price that they offer when someone inquires. The procedure caused many undesired complications which I am still dealing with and now the Dr. is trying to collect on fake fees and trumped up consult and tray charges. Seems to be more of a greed driven business than a Dr . 

I am happy to discuss and I will be doing anything and everything possible to get this false charge off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Secured Resolutions, LLC
State: NY

Complaint narrative:
Yesterday XX/XX/18 I was utterly humiliated. XXXX at Secured Resolution ( XXXX ) called by office. 
Due to the nature of my employment I am a XXXX  and answered by phone call on speaker phone where I was XXXX an employee on how to handle XXXX XXXX. 
XXXX asked for me by name. I intentionally didnt not confirm by name but instead I asked who was calling. At this point I kept the phone on speaker phone thinking this call might have been a contractor calling that needed to be transferred to another department. 
XXXX then proceeded to tell me that I have an open bill and with XXXX XXXX. Now my entire office knows I am in debt and since the XXXX XXXX is a very popular XXXX XXXX by entire office knows I was pursuing XXXX XXXX. This is something deeply personal to me and that I did not want shared. It was so embarrassing. 
I quickly asked XXXX to call me on personal phone ( which should have been attempted first ). I confirmed my personal telephone number then XXXX continued to the mini Miranda. I had to hand up the phone on XXXX because I was at work doing by job. The Mini Miranda is supposed to be said before disclosing information. 
TO be honest I probably have a lawsuit on my hand : 1. I did not confirm who I am before Secured Resolution disclosed I have a debt 2. My personal number was not attempted before my work line 3. Personal information was divulged before giving the mini Miranda 4. Even after I told XXXX that he will have to call me on personal number he still persisted to continue disclosing 5. And if I had to guess XXXX did not remove my work number 6. Now Im in a very uncomfortable situation in my place of work due to the nature of this debt being disclosed.

What I would like to see : 1. My work telephone number removed 2. The employee need to be removed from his position or put through a training program 3. I should receive an apology letter 4. As an apology I believe Secured Resolution should take of these debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Dear CFBP Team please be consider this complaint against this creditor This is the second Complaint against Chase Card and they don't want remove Hard Inquiry was made on XX/XX/2018 with unauthorized by me, and if they have proof i did applied for credit let them show up otherwise remove this inquiry i and they say we will mask that inquiry, now i'm open complaint again to remove from my credit Report with XXXX   and already has fraud alert on my credit report with all national agencies attached copy mail from Chase Bank that im not applied and they said we think its fraud First Complaint : on XX/XX/2018 Chase bank Run my Credit and left Hard Inquiry on my credit so i did fraud alert with 3 agencies, XXXX and XXXX XXXX XXXX and i contact Creditors who run my credit and most of them remove the inquires so with Chase bank i received letter from them and say that : we declined an application for a new account because we couldn't confirm the information on it, we're concerned someone may be using your personal information fraudulently and instruction steps to do fraud, so i contact them and sent letter and they response the hard inquiry made was valid so i want open complaint against chase bank to remove Hard Inquiry was made Unauthorized with a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Dear Sir/Madam Consumer Financial Protection Bureau Wells Fargo Card Services made two unauthorized Inquiry - XX/XX/2018 XXXX only - XX/XX/2018 at XXXX and XXXX so i have fraud alert on my credit report with 3 national agencies XXXX, XXXX, XXXX and contact them two time,  sent mail and request to remove this unauthorized inquiry from my credit buy the didn't response, so i'm asking Wells Fargo Credit Services to remove this unauthorized Hard inquiry from 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 2018-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I received my monthly statement for the billing cycle that closed XX/XX/18. Upon opening the statement I noticed that I had been billed a {$19.00} annual fee. I contacted FNBO on XX/XX/18 and asked for the fee to be waived or for them to close the account and waive the fee. I was told that even if I closed the account I would be responsible for the fee. I asked for a supervisor and was told the same thing.

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 2018-09-22 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 — Investigation took more than 30 days
Company: Southwest Business Corporation
State: TX

Complaint narrative:
In XX/XX/2018 I called the Mortgage company to help with the setup of my online account profile and to establish the automatic payment on my account. I later found out in XXXX that the autopayment that was supposed to be setup by the mortgage company failed. As a result, a mortgage payment was missed. I was not informed that the autopayment did not process and was only notified by the mortgage company after the payment was 30 days late and they proceeded to start collections. After receipt of a letter from the mortgage company of the nonpayment, I immediately brought the loan current and asked the company to review the customer service calls that I placed to establish the autopayment, but they did not and I further asked that after review that they remove the negative remark from my credit report - due to the fact that the mortgage company employee that setup the autopayment failed to successfully setup the autopayment on my account. I have acted in good faith to try to resolve this with the company, but an unable to seek a resolution of for the company to acknowledge the customer service phone call that was made to establish the autopayment. As a result of the refusal to review the call logs my credit has been negatively affected and I am unable to obtain 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 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
We already have a claim in progress # XXXX but in reviewing and notifying from the attorney general that the statue of limitation in Texas has expired for this type of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
My complaint is false advertisement on XXXX XXXX rewards system that needs to be investigated. I have a XXXX credit card under XXXX XXXX. The rewards points with XXXX credit account is under the management by XXXX XXXX however the Bank refuse to correct the fraud. It started off with the accumulation to XXXX ( See Attached ) which I had and XXXX sent me by email the rewards certificate {$30.00} by email Rewards certificate XXXX ( See Attached ) which I never used because the rewards dont work. 
As you review XXXX XXXX points under XXXX credit card they put a minus on the XXXX points. After I seen this I sent several emails to XXXX   XXXX and calling to correct this issue that I never used these points ( See emails attached ) Then as you review the XXXX credit card reward points XXXX XXXX made an adjustment of my points XXXX never gave me the full XXXX points that I never used and the purchases I brought. 
On XX/XX/2018, I sent XXXX XXXX XXXX several emails that the rewards number isnt working because I cancel my order however I received an email response however no assistance except that they cut my points to XXXX ( See Attached ). However, on XX/XX/2018 after several emails attempts and phone calls to XXXX XXXX I received an email that my points are XXXX and leftover points XXXX ( See Attached ). I refuse to order anything until they repair the reward system. Even though, I made a return on XX/XX/2018 I should have XXXX - XXXX = XXXX reward points, I made a lot of purchase under XXXX ( See Attached ), XXXX XXXX credit department don't communicate well and support reward points being stolen from me. However, XXXX XXXX are refusing to correct this error, maliciously continuing to fraud the rewards system and I am requesting an investigation on these fraudulent matters. I believe they are violating the Fair Credit Billing Act, The Credit Card Accountability Responsibility and Disclosure Act and credit card fraud on rewards. 

Attachments Several email communications to XXXX XXXX XXXX credit card XXXX XXXX email me points XX/XX/2018 XXXX XXXX   rewards list is wrong XXXX XXXX mail rewards {$30.00} XX/XX/2018 CC : Federal Trade Commission FDIC Department of Justice Congressman

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I was contacted by Credit card debt attorney Hayt, Hayt and Landau about a credit card debt from XXXX  XXXX XXXX. I have written to them twice and asked for proof that they are legally responsible to collect by providing me with valid assignment from original creditor and affadavit or testimony from original creditor attesting that the bill of sale is true and accurate. To date I have received not a single written response from them. They filed a lawsuit in my county against me but I have yet to be served. I know this because I was contacted through a advertisement by a attorney that provided me the information and offered to represent me in filing bankruptcy. I asked how he knew that I was being sued when I did not know. He said that he was a bankruptcy attorney and that he checks public records. The lawsuit was filed in XX/XX/2018. My letters were sent in XX/XX/2018. 
I offered to make a settlement If they could provide me the proof that they are legally responsible to collect. Still I heard nothing back from them. I am XXXX and living solely on social security payments. I have no savings. What are my options when they will not respond to me. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation