vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 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: FL

Complaint narrative:
I have repeatedly called and applied for a plan to get my payment amount reduced. Once the FedLoan Servicing took an auto payment of over {$2000.00} out of my account without warning. Now, I have applied for an IDR several times and they keep not communicating with me and setting my payments above {$2000.00} per month despite my sending them a documented decrease in my income and increase in family size. After I submitted tax information, they sent a payment of over {$2000.00} per month and when I called, they said they needed recent pay stubs which I submitted. I called and got a forebearance with a payment of {$360.00} due inXX/XX/XXXX. Today, I get a letter requesting payment over {$2000.00} due XX/XX/XXXX without having answered by application for an IDR plan. I called and spoke with XXXX and he informs me that I need to write and fax names and dates of birth of all my family members! 
I feel like I have repeatedly gotten the run around with FedLoan and they are denying my ability to get an IDR plan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I opened a account with ally Bank in XX/XX/XXXX. I had maybe {$14.00} dollars in the account. I live half the year out of the country. My room mate has opened a ally Bank account as well. And he two spends time with us in XXXX XXXX. XXXX XXXX. Anyway. On or aboutXX/XX/XXXX-XX/XX/XXXX. My Ac king was suspended. They asked for a copy of my drivers license to fraud@ally.com. Which I sent. I have had nothing happened since. I called. I emailed nothing can be done. 

XXXX XXXX Ally Bank Checking 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 2017-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hi, I write to you, because I have ran out of options. I have tried contacting Coinbase over 9 times via email and over there XXXX customer support. They have a telephone number but its completely useless. There customer service is the worst Ive ever seen. They are a cryptocurrency exchange company, one of the biggest in the world, but in my opinion they are committing fraud on hundreds of people. And they get away with it because of there terrible customer service. I started investing with them in XX/XX/XXXX, I invested in XXXX and XXXX currency. I have invested over {$1000.00} with them, but on XX/XX/XXXX, I traveled to XXXX for vacation, and all I did was open there app to check the value of my coins, and pfff just like that, as soon as I arrive to the states which was on XX/XX/XXXX, they had blocked my account because of my travel to XXXX. Account has been blocked for 2 months, and there is no help in sight. They always come back with the same response, we are working on it with a specialist. Really?? For 2 months?? This a multi million dollar company, and what they are doing is fraud. I have over {$1000.00} invested and in XXXX day they stoled it from me. its not right. It does not take 2 months to unlock some ones account, for something so stupid like traveling to XXXX. and like me, there are hundreds of people, and the only people getting there account open are people filing a lawsuit. I ask for you help, because I guess im a small fish in a large pond, and I do n't know what else to do, besides filing a lawsuit or traveling to XXXX XXXX and knocking on there door. The current value of my currency are close to the {$1500.00} mark. It fluctuates on a daily bases. All I want is my account to reopen and I have access to it. I understand you guys are extremely busy, but I beg of you for your help. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my American Honda finance motor vehicle and our. property service by XXXX XXXX XXXX I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
First Equifax did not full investigate the reinsertion of XXXX XXXX for XXXX XXXX. They can not produce evidence of said original bill. XXXX investigate and found my information to be accurate and removed the account for {$1700.00}. Not once since I started disputing did I receive any written notice of this " new bill '' or a copy of old. Was not notified within 30 days. I started disputing in XX/XX/XXXX it is almost XX/XX/XXXX. This account was added in XX/XX/XXXX, removed and added again XX/XX/XXXX like a new account. Next Equifax put every word I wrote in my complaint to consumer finance on my credit report as a statement from me. I never requested that it be added. I submitted a complaint not something I wanted added so when a company pulls my report they do n't see a huge paragraph from me. I 'm not sure who or why it was added but I never requested a consumer statement be added and o do n't think it 's professional to add a private complaint to my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
There is a fraudulent account reporting closed on my XXXX file. It seems to be a credit card from Nordstrom/TD Bank. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with XXXX. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a fraudulent account reporting closed on my Equifax file. It seems to be a credit card from XXXX XXXX. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with Equifax. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX shows on experian. I sent in proof to other credit reporting companies as well and the debt was removed from all but experian. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on experian. XXXX XXXX did not respond.

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 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a couple inquiries I did n't authorized showing on my credit report, It wo n't let me dispute them online. One is an XXXX inquiry from XX/XX/XXXX and another is XXXX XXXX from XX/XX/XXXX. Please remove these inquiries as soon as possible. Thanks

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 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Alliance One, Inc.
State: GA

Complaint narrative:
Alliance One shows on XXXX. I sent in proof to other credit reporting companies as well and the debt was removed from all but XXXX. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on XXXX. XXXX XXXX did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax added a personal statement to my credit report. One that I DID NOT request or authorized. What they did is took my complaint resolution from consumer finance and added word for word to report. That does n't seem professional or legsl.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
As our current CFPB complaint documents our property is contaminated and we have requested asssistance from our Mortgage Servicer without success. 

Nationstar/XXXX. XXXX indicated on XX/XX/XXXXduring a phone teleconference that they can not make any special exceptions for our contaminated property loan and our situation can only be handled the way they treat all properties that are not contaminated. 

It is well documented in the FDIC, XXXX XXXX XXXX, etc that a contamination that makes the property unsafe and uninhabitable directly impacts the value of the property. 

Prior communications with their representatives have documented : 1. There is no contamination department with Nationstar/XXXX XXXX 2. Nationstar/XXXX XXXX has no retention products for a property that is contaminated or uninhabitable. 

They indicated onXX/XX/XXXX that they cant make an exception for us because they would have to make an exception for everyone. 

Yet, the Seller Guide Update from Nationstar dated XX/XX/XXXX ( Enclosure ) reviews the issues of Water Contamination, acknowledges that contamination does impact property value including those homeowners in XXXX Michigan with contaminated homes secondary to lead. 

It appears that Nationstar provides these homeowners with a functional loan pathway and solution for homeowners with a contaminated property. 

What is the reason why Nationstar will not provide us with the same solution offered to the homeowners in XXXX Michigan whose homes have lead in the water above the safe drinking water limits Also, XXXX XXXX  representatives informed us they would consider a short sale instead of Foreclosure. They have as of today declined our request to short sale our property versus Foreclosure. 

It is my understanding that will sell the property at auction tomorrow with no disclosures of the contamination thereby obtaining a higher financial gain. As Enclosure 1 indicates any adverse impact the environmental hazard has on the marketability of the property is affected by the contaminated water supply. This is the same case for our property. 

We want to be treated fairly and not excluded from the same exceptions Nationstar has made for XXXX Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
So to begin, two years ago I enrolled my loans into an income based repayment scheme. Things in my life have n't gone exactly as planned and my ability to pay is impacted by what I can afford making XXXX more than minimum wage with life expenses. 

Last year I had a secondary part-time job that pushed my income up by 100-200 a  week that I was using to repay other debt. This job however, pushed my income above the federal poverty line for Massachusetts ( which is n't really hard to do with a $ XXXX minimum wage ). 

I 'm a bit old fashioned when it comes to important things, and thus with my student loan servicers I ensure that I get paper copies of correspondence in the mail. This includes when I need to renew my XXXX This year however, Navient mailed me my XXXX paperwork one day before it was due, so I was 4 days late on renewing my XXXX  plan. 

This is the start of my troubles. on XX/XX/XXXX the Dept. of Ed. confirmed that my XXXX was sent over to navient and that I should receive correspondence from them confirming this. I did not. Watching my account, ( which I had not been able to make a payment on due to owing the IRS money in taxes due to some debt settlements pushing up my income artificially ) I noticed that like before, I did not owe a payment, and was current. 

Then on XX/XX/XXXX I received an email from Navient confirming that my auto-payment was confirmed for XX/XX/XXXX. I have NEVER used auto-payment for anything other than my car ( As that is my one life necessity ), and I KNOW I did not authorize them to make an autopayment. Upon seeing this email I immediately revoked their right to know my checking account information, which according to my account revoked the pending autopayment. Checking my bank account on the XX/XX/XXXX however, they still drafted an autopayment and bounced my account. 

Now, they have taken a payment for {$24.00} ( without my permission ) and my bank account is negative. I do not see their reasoning for why my payment schedule is what it is ( unlike last year ) and a rep is unable to provide me details as where the payment they took went. It is not reflected in my online account register and I have no tangible explanation as to where that money went, and no way to receive the {$30.00} fee from my bank back. They were too busy threatening me to pay my account ( which under normal circumstances I would ... ) instead of explaining the changes to my account. 

In summary 1. They enrolled my account into an autodrafting system without my express permission 2. They took money from my account via said autodrafting system when I revoked their permission to use that account 3. They can not provide me with details as to where the money they took went in a ledger form that I can understand. 
4. Their customer service is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I 've attempted to contact this company on several occasions to tell them that the debt their trying to collect is n't mine and I do n't even know what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.

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 2017-08-29 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: SD

Complaint narrative:
On XX/XX/XXXX, Fed Loan Servicing posted a payment of {$10000.00} to my student loan account. The envelope containing this check had a second check in the amount of {$4200.00} in addition to a copy of my billing statement. The {$4200.00} check did not post to my account. On XX/XX/XXXX, I called customer service and talked to a supervisor. I  was told that my check was deposited in a holding account because they did not know where it was to be applied. I was told that the money would be applied to my account and would reflect on XX/XX/XXXX. It is now XX/XX/XXXX and the payment still has not posted to my account. This is a large sum that will pay off my loan. I do not know how to get them to apply the payment. A stop payment is not an option as they have already negotiated the check. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On both XX/XX/XXXX andXX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.

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 2017-08-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: WA

Complaint narrative:
X/XX/2017 - I logged into my account to check the amount I owed this month and the amount had nearly doubled. I checked the interested rate, and it was n't that much more than it was the prior month. Furthermore, I decreased the amount I owed below what the original loan amount was, so it did n't make sense that my loan payment amount nearly doubled in the course of a month. 

I have n't spoken to the lender yet because I am worried they will deny it. I 'm concerned that I am being punished with higher payments because I pay more than my minimum monthly payment. Basically, I think they are punishing me for trying to pay my loan off early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Never had payday loans, never any mortgage but XXXX and XXXX 10yrs plus, one credit card in ten yrs XXXX  XXXX, one student loan 2016. This is all I 've had in ten yrs. 
Also I was denied for drugs alcohol n theft from work supposedly. I have never done a drug test for work and I have never stolen. XXXX says they do n't have info. XXXX trust out of XXXX main main office pulled back ground and has a ton of abnormal inquires n accnts I 've never heard of. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, other mortgages unknown to me, XXXX, XXXX XXXX, XXXX XXXX, tons out of FL, tx, ny, ok, mo, nv, ca, I mean every other state but mine mass. My family and I have been recent victims to identify theft. I need help clearing this from my file I have never ever been in this kind of situation I need help please.

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