vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX ATM DEBIT XXXX XXXX XXXX XXXX XXXX XXXX {$22.00} XX/XX/XXXX PURCHASE AUTHORIZATION XXXX # XXXX {$700.00} XX/XX/XXXX PHONE TRANSFER To CHECKING XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$26.00} ON XX/XX/XXXX THEY DID A TRANSFER OF {$400.00} TO ANOTHER ACCOUNT THAT I DID  NOT AUTHORIZE AND LABEL IT PHONE TRANSFER WHICH IS FRAUDULENT STATEMENT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS IT THIS WAS TO COVER A BALANCE THAT I HAVE NO IDEA WHAT ITS FOR I HAVE REQUESTED INFORMATION ON THE DEBIT AND HAVE RECEIVED NO RESPONSE THEY CLOSED ONE ACCOUNT THEN MONTHS LATER REOPENED IT SAYING THERE WAS A BALANCE ON IT. THEY NEVER GAVE ME PROOF OF WHAT THE BALANCE WAS THEY THEY RESTRICTED ONLINE ACCESS TO THE ACCOUNT SO I CAN NOT EVEN SEE WHAT THEY ARE DOING WITH THE ACCOUNT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07 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: MT

Complaint narrative:
My loans were purchased by Navient in XXXX XXXX 2017.  Navient purchased or transferred my loans from the loan servicing company XXXX. With XXXX I believe I was enrolled in the automatic debit program ( ACH ) that included a .25 % reduction in my interest rate for being enrolled in the ACH program. SO the interest rate of my loans serviced at XXXX was actually .25 % less. It seems as though loan companies may not be honoring this actual interest rate borrowers had with their previous loan companies? IS this legal? I am wondering about the legality of this purchase/transfer and the loss of honoring the real interest rate on loans that I may have had with XXXX? I am also concerned that other borrowers are being robbed of this option and I am wondering if you have a response to this? Please let me know if this is legal or if you need any more information from me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: SC

Complaint narrative:
I have contacted Equifax several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
I received a voicemail on XX/XX/XXXX. When I called the number back a gentleman who was very helpful answered, explained it was a medical debt and that they sent a statement on XX/XX/XXXX. I said once I received it I would verify it against my payments. I received another call today from a lady ( who insisted I called her, I believe it was a robo-call the call came in at XXXX on XX/XX/XXXX ). When I first answered the call it stating to stay on hold for a rep so I did. She picked up and just asked for my name and phone number. I did give her a first name and phone number. I asked what this was regarding and she said without your information I ca n't tell you. I asked her to understand how receiving a call and then being asked for your information may seem weird. At this point she did have my phone number and first name she could have at least stated it was a debt. Instead of working with me she just hung up. In order to determine what it was for and refer it to the first message I had to google search the number. Now it is XX/XX/XXXX, about half way through ( if not more depending on when they started the action ) for my 30 day appeal or pay and I still have not received a statement to either prove payment or make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: CA

Complaint narrative:
I sent a Wire Transfer on XXXX XXXX, 2017 in the sum of {$5000.00} to Coinbase and received this email the following day : " XXXX replied : Hi there, This email is regarding a wire that was sent to your Coinbase account. 

Unfortunately it appears that the legal name on the wire we received is the name of your bank. Please work with your bank to correct this. 

In order to wire funds to us, the name on the wire must match the name on the Coinbase account. Because of this we will be returning the wire, and the funds should arrive in your bank account within a 3-5 business days. 

Moving forward, please wire funds from a personal bank account held in your name to avoid any wire processing delays. 

Thanks for choosing Coinbase! '' It was stated that the funds will arrive back to me within 3-5 days, but as of today I have not received the fund back in my account. There is no reply when contacting support or any information as to where the money has gone. It is a fraud that this company is able to withhold money indefinitely without providing any means of contacting someone who is able to correct the issue. 

The coinbase case number that was provided to me is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I checked my credit report in XX/XX/XXXX. I saw a from XXXX  XXXX saying it was owed to a company name speedy cash in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXX certified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank opened a new credit card i did not ask fpr without my permission and without notifying me or my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After reviewing my Transunion credit report on XX/XX/XXXX, I  noticed that there is inaccurate information listed on my credit report from the creditor of the tradeline XXXX. The account is up to date with no late payments, however according to my Transunion credit report, the trade line is listed as last payment is XX/XX/XXXX. I contacted a customer service rep ( XXXX XXXX ) ( XXXX ) XXXX and the representive explained to me that my landlord verified my recent rental payment, and rent reporters has already reported the correct information to Transunion . XXXX XXXX, informed me to check my Transunion credit report within one week and let them know if I can see my updated tradeline. As of XX/XX/XXXX, the tradeline on my Transunion credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: LA

Complaint narrative:
I checked my credit report in XXXX 2017 and saw a debt from a collection company CBA for XXXX XXXX XXXX. I have never had a previous account with XXXX. I currently do have their water service. I sent CBA a certified letter asking them to validate the debt owed. They sent me a bill from the company. No contract with my signature or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was limited to options in selecting my dispute and complaint I am submitting. To clarify there is a bank " XXXX XXXX XXXX XXXX '' that is reporting a loan I had with them as Chapter XXXX Bankruptcy ... ..I 've never filed for chapter XXXX nor chapter XXXX bankruptcy and this information reporting is false and untrue. I have been disputing this with the credit reporting agency 's but need to wait at least 30 days before the disputes are finanlized. In the meantime my credit score is low because this remark is reporting. I 've tried to rectify and have this false information removed off my credit reports but to no avail. XXXX XXXX XXXX XXXX should not have reported that I did chapter XXXX. I am submitting this complaint because it is ruining my credit score with this false information and I want that remark removed off my credit reports. I am going to submit this complaint because XXXX XXXX XXXX XXXX XXXX is not listed to receive complaints. I am in hopes that CFPB could assist me in this matter.

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 2017-11-07 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My previous complaints were delayed, ignored and not addressed by wells fargo. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX XXXX are the issues here.

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 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CO

Complaint narrative:
My husband opened this account since XX/XX/XXXX and later I was added to it. The institution where we have this account is very appropriate for our business due to I 'm a very busy person taking XXXX XXXX XXXX XXXX persons in my family. When I started to manage the account I noticed that there were to many overdraft charges and I check in my notes and found that this institution charges fees on any transactions that may avoid the charge if they just make what other institutions do. Post deposits prior to the payment or activity that make out accounts to go overdraft so they can charge the fees. 
My most resent problem was this. 
On XX/XX/XXXX My bank charged XXXX dollars of overdraft fee for two transactions that had balance to be pay. 
( See bank transactions report from XX/XX/XXXX- XX/XX/XXXX attached ). 
Like this time many of these transactions became on many of overdraft fees over the three years we have been business with this institution. 
They make you open a saving account too with a automatic transfer of XXXX dollars minimum to maintain the account service fee voided and do not tell you that they will charge fees for transactions made between this two accounts ( checking and savings ). 
On XX/XX/XXXX I have been charged XXXX dollars for OD Protection fee. ( see Statement report from XX/XX/XXXX through XX/XX/XXXX attached page 4 of 6 ). 
These are not the only times this has been happened. I spoke to the bank manager the first times I saw this happen but she removed the first fees charged in my account. After a few times I reject the charges she told me that I needed to go directly to the branch where my husband initially opened the account because she was not able to remove more fees in the future. My husband opened the account on a branch that is close to his job and we live very far from his job. I definitely did not go there, so the fees continue until this date. In total I have been paid {$4000.00} according to the bank ( see attached bank letter ) I know I have been paid this money but is not right to pay some of these charges just because some institutions do n't make the right things. Please check on this and I hope you can help us, as consumers to have a voice.

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 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On X/X/2017 I opened an XXXX checking through their website using the link provided on their site displaying a promotion for opening a new account. The promotion was for a {$300.00} bonus after opening a new account with an opening deposit of {$300.00} and two direct deposits of {$100.00} in 60 days. This promotion is STILL being offered on their site ( with different terms ). I met all requirements and they refuse to give me my bonus. I 've contacted them several times. The first time they responded saying the bonus was on my account and I would get after meeting requirements. The second time they said I applied after the expiration date??? which is NOT true. Now, after a third time they tell me the reason i 'm not getting it is because I needed to have a direct mailer which is also NOT true. I had a friend do this without a mailer and they got the bonus. The offer does not state you have to have a mailer. It says bring a mailer in OR apply online using code XXXX, which is what I did. Everytime I get a different excuse! The offer was on my account, their agent said so! I 'm in middle TN so I 'm in the target area too. Stop giving me the run around, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
check n ' Go payday loan made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email check n ' Go on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to XXXX XXXX and stop payment on check n ; Go payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. XXXX XXXX will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let checkn ' Go get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. XXXX vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with XXXX  mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In 2016, My wife and I were discharged from Bankruptcy chapter XXXX which included the debt on the home we were living in. The house was supposed to be auctioned off, and sold. This however, has never happened, and still is showing at the county that we own the property. We can not purchase another home until this property is off of my record at the county. I do NOT need credit adjustment, just it foreclosed  on, so I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I was unable to work due illness which occurred while on XXXX XXXX. I was unable to work and I used my savings to make my mortgage payments. My savings was all used up by XX/XX/XXXX. 

I secured XXXX XXXX XXXX XXXX to handle a bankruptcy on my behalf XX/XX/XXXX. I contacted Loan Depot several times between XX/XX/XXXX and XX/XX/XXXX informing them Im in backruptcy. I was transferred several times from one department to another. Each stating the process was handled by another department. Each call went this way. One customer service rep told me notes were being annotated concerning my backruptcy action in the notes connect with my account. In the notes I gave them the name and number of of XXXX XXXX XXXX XXXX as my counsel. The rep stated the sale action would be stopped immediately. The sale did not stop and my home was sold. My home should not have been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage have alleged they were transferred servicing of a loan that I owed in XXXX 2014. I have filed a lawsuit and voluminous amounts of complaints with Federal and State agencies referencing this debt collection. I have disputed this debt since they 've alleged they were collecting for XXXX XXXX XXXX XXXX. Most recently, I filed CFPB complaints referencing the debt on my XXXX, XXXX, and XXXX reports. As a result, of disputing the loan XXXX for almost three years ; Nationstar Mortgage has deleted this credit line from my the credit repositiories. However, Nationstar Mortgage has continued to send me statements indicating the loan is outstanding in the amount of more then {$140000.00}. Nationstar Mortgage and their attorney, XXXX XXXX and XXXX XXXX XXXX and their attorney, XXXX XXXX XXXX have been lying to the CFPB and the Courts referencing this alleged loan for years. It appears they ca n't synchronize their fraudulent scheme. XXXX XXXX XXXX goes into Court and say one thing and Nationstar Mortgage acts reflects the opposite. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's has repeatedly told the Courts they have nothing to do with the loan since they transferred it to Nationstar Mortgage. Notwithstanding, Nationstar Mortgage will not give me any information referencing the loan they claim I owe more than {$140000.00} and have reported the loan has a XXXX balance with the credit bureaus. I am requesting the status of Nationstar Mortgage, ( XXXX XXXX ) loan XXXX as of today they 're allegedly servicing for the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I checked my credit report and found the company diversified consultants on their as a debt I owed. I called the company and was told I had to pay the amount requested {$1300.00} or I will get sued. I explained to the guy XXXX that this debt did not belong to me. So on XX/XX/XXXX I mailed a certified letter to the company asking them to validate the debt and send me the signed contract and copy of my photo ID. They in return sent me a bill from XXXX. Which shows a address which never belonged to me. I have never lived in Utah. 
I called XXXX on XX/XX/XXXX trying to get information about this bill. They kept transferring me all over the place and then finally told me they could not give me any information without the account number and address on file which I did not have because it was not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLA Collection Company, Inc.
State: GA

Complaint narrative:
GLA contacted a phone number I do have but it is a cell phone and the voicemail is not secured and does not identify any name. The message broke HIPAA and fair credit by disclosing nature of call, that it was for home health services, and stated there was a judgement of which there is not. I contacted the XXXX XXXX XXXX and they show they had not spoken to me and that I do not have a judgement. I called GLA and because I would not give me social security number they refused to accept my statement of dispute of the debt. I am not required to give my SSN and I did verify the phone number and my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation