milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, a person named XXXX XXXX accessed my checking account and conducted 3 transfers from my account to her account. This person added themselves as a member to member payee on XXXX XXXX, XXXX at XXXX XXXX. At approximately XXXX XXXX, the following transfers were conducted to that persons account, {$280.00}, {$580.00}, and {$1500.00}. My spouse noticed the transactions around XXXX XXXX and we contacted Navy Federal Credit Union. Shortly after XXXX on the XXXX of XXXX we filed a claim with the fraud department, this claim would not be posted until XXXX XXXX on the XXXX. I spoke with a service representative around XXXX XXXX on the XXXX and they informed me that once the claim was assigned an investigator they would have 10 business days to complete the investigation and provide their findings. I called back on XXXX XXXX, XXXX and they informed me that an investigator had been assigned on the XXXX. We have called multiple times within that time frame and have not received any updates as to the projected completion of this investigation. I called this morning, which is 12 business days after the assigned investigator, and they informed me that it would be until the middle of next week until it would get completed. I am currently working on a written notice to Navy Federal Credit Union informing them that i require additional information and updates. During this whole situation they have not contacted me or my spouse to update us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been writing letters to this company for more than two years. I 've made several request for this company to  investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General XXXX XXXX are still not in place even though TWO YEARS has already passed. <P/>Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dual tracking STOLEN payments not applied by OCWEN LLC

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Federal student loan debt) with ConServe (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently received my updated credit report and there is a Collection agency named Conserve on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX, CHASE made an inquiry into my XXXX credit file due to someone submitting fraudulent information. CHASE reached out to me when they became aware that it was an attempt to open a credit card fraudulently and assured me the inquiry would be deleted. Despite numerous calls and letters to XXXX from me, it has not been deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Sallie Mae and XXXX continually call my grandparents, who were not cosigners nor my guardians at the time I took out the loan. They are continually harassing them without cause. They have no current and had no past control over my loans or my education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: I have had my accounts repeatedly incorrectly reported by Navy Federal Credit Union, after I have taken multiple actions through the CFPB, Credit Bureaus and even legal action. They refuse to correctly report information and continue to damage my credit report, in what seems in an intentional way. I had a Bankruptcy that was filed XX/XX/XXXX, at that time navy in terms of my accounts ; closed, wrote off and terminated my membership. The subsequently then continue to report incorrect information, including ; showing the items " included in bankruptcy '' in XXXX XXXX, which is incorrect and severely damaging my credit report. My bankruptcy was indeed discharged in XXXX XXXX, but instead of showing it discharged, they are characterizing it in such a way that appears I am just filing for bankruptcy in XXXX XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to take sufficient measures to protect my, and 150 million others, personal information resulting in electronic distribution to unknown entities and compromising my credit security for the entire foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I purchased a home in XXXX XXXX, Florida the note was in my name and mother placed on the title to show ownership via her present XXXX. My lender was IndytMac to IndyMac XXXX, to XXXX to XXXX additional names. I was notify in XX/XX/XXXX that I was illegally placed in foreclosure. I attempted on XXXX occasions to modify my loan with XXXX acceptance stating document would be XXXX to me then a cancellation stating I did n't qualify for a modification program but completed a six month payment plan. I have payment history of making all my mortgage payments. communicated with my several lenders. All said and done hired a lawyer I filed bankruptcy, it was discharged via mother interest on the title and courts records shows shes not on the mortgage and to this day has XXXX Credit. This stop to auction sale briefly. Now just two weeks ago .another foreclosure went before the court but this time the lender request and era on their part and requested from the court to stop sale and the judge denied request and property was auction off. An appeal was filed to stop transfer of title. Please help I do n't know what else to do other than file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The credit company will call M-Sunday from XXXX to XXXX at night. they do not leave a msg and call every XXXX continuously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent XXXX letters to request that the agency, Portfolio Recovery Associates, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Delinquent account

Complaint: i satisfied my debt with this company through the collection agency that they tranferred my account to

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 01/15/2018 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Quicken Loans XXXX XXXX, 2016 All we did was put in our information, like they asked, to see what deal they could offer us in case we decided to refinance our home. Nothing ever came of it. We did n't even talk to them. This is not applying for a loan. We checked with several companies to see what they had to offer. They should n't ask you to see what we can do for you if that mean messing up your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with Alliance Data Card Services (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I just checked my Victoria 's Secret credit card statements and realized that I 'm being charged two different reoccurring charges each month, for at least the last 24 months, amounting to at least XXXX dollars per month. The total cost for these charges was XXXX. I could not get this resolved through Comenity Bank and was told to call the two other companies issuing these reoccurring charges. I was told by XXXX that I had authorized this service when I activated my card. I would not authorize such charges, but can not speak to anyone regarding getting my money back. Comenity Bank 's customer service number is a never ending loop of computerized choices that do not connect me with an actual representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX XXXX, a representative from Wells Fargo called my place of employment. This was an attempt to collect a payment, but the phone call happened during business hours in which I am not allowed to take personal calls, unless it is an emergency. This phone call took me away from my duties, and caused embarrassment.

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 06/16/2017 about Debt collection (I do not know) with Strategic Alliances, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: First Financial Asset Management Inc, contacted my father on  XX/XX/XXXX  to attemp collection on a debt i no longer owe in  the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other service problem

Complaint: I made a   XXXX   dollar deposit to my sister 's bank account in   XXXX   on   XXXX   XXXX  , 2017 but when I contacted her to inform her she told me that that bank account had been closed on   XXXX   XXXX  , 2017.
She went to the bank and tried to reopen the account to collect the money and they said that it was not possible to do that the money had been returned to whoever sent it and now neither the bank in  XXXX  nor the company I was with whom the sending was made They want to make them responsible for delivering the money.
The company vigo says that in its system appears the money paid and that expect a response from the bank but have spent 2 weeks and do not give me any solution to the problem if not to keep waiting.
I thank you in advance for the help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureaus are reporting a bankruptcy on my reports but the courts does not verify bankruptcys, the court told me they do not verify that information. Therefore that information was pulled out from a third party reporting agency therefore it must be deleted from all three credits bureaus. I would appreciate it once deleted I would like to receive proof via email. 
My email address is 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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit inquiry on my XXXX credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using my identity..

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, Transunion, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XX/XX/XXXX. 

None Account Inquires -XXXX XXXX ( XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX, I received a quickpay with XXXX for XXXX that was deemed part of my " available balance. '' Later that day, I issued a quickpay with XXXX to another Chase Account in the amount of XXXX. 
The next day - XX/XX/XXXX, Chase informed me that the outgoing quickpay was returned, with a XXXX returned item fee. They explained the cut-off time scam in detail relative to my incoming and outgoing quickpays. I asked if I needed to resend the quickpay. One customer service agent, plus a manager, informed me that I needed to resend it. So I did. 
XX/XX/XXXX, I received an overdraft charge of XXXX based on the second quickpay, because the first quickpay was not returned afterall. 
On XX/XX/XXXX, I received a XXXX credit for the erroneous resending of the XXXX quickpay. 
On XX/XX/XXXX, I noticed that the original XXXX plus the additional XXXX were deducted and previous daily transactions were reordered chronologically to show they posted after the second XXXX was deducted, and 3 more XXXX overdraft fees were imposed. I called Chase and they said my " courtesy refund of fees '' were exhausted for the 12 month period and there would be no means of recourse, despite their instructing me that the initial XXXX was returned and needed to be resent. This is ridiculous. I don't care about the fees. I care about the intent behind their disinformation and subsequent maximized profiting based on their knowingly false information and instructions. I fully understand the cut-off time between different banks, and happy to eat XXXX for it ... But they have admitted the error, refunded a fee based on that, and found a way to earn an additional XXXX based on the same transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: MY ORIGINAL LOANS WERE TAKEN OUT THROUGH XXXX. XXXX XXXX WAS TAKING CARE OF THE LOANS. XXXX XXXX FORWARD THE LOANS OVER TO AES IN WHICH A PAYMENT ARRANGEMENT WAS SET UP AND PAYMENT IS TAKEN OUT OF MY BANK ACCT EACH MONTH. Then I started getting calls from Navient Solutions Inc XXXX XXXX XXXX XXXX PA XXXX XXXX who stated they are now XXXX XXXX and they are taking care of the loans. I tried to explain to them that they forwarded XXXX of my student loans over to XXXX XXXX OHIO XXXX XXXX XXXX XXXX OH XXXX XXXX and they have me on a payment plan since 2013. Navient Solutions Inc is calling me for payment on the same loans they forwarded over to XXXX of OHIO. I tried to explain to them that i am being build by XXXX companies for the same loans. I also inform them that XXXX OF Ohio have Navient Solutions Inc as their client. Navient continue to say they have no way to verify that information and that they do not use and never heard of XXXX of Ohio. 
XXXX of OHIO acct # XXXX NAVIENT acct # XXXX " XXXX ' XXXX ' XXXX ' XXXX ' XXXX ' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: The Coinbase website says that ACH transfers are free for deposits, but does not state whether there is a fee for withdrawals. They do state that for wire transfer deposits there is a {$10.00} incoming fee, and a {$25.00} fee for outgoing wire transfers. I believe this is a deceptive marketing practice, because they either charge {$25.00} for outgoing ACH transfers, or default you into a more expensive {$25.00} wire transfer fee. A second deceptive marketing practice by the company is that when you place a withdrawal in the XXXX app, they show you a confirmation screen for a withdrawal of the full amount, but then hours later send you an email with a small disclosure that you are being assessed a " {$25.00} Banking Fee ''. The fee is not described as a wire transfer fee, or a bank specific fee, it is just a generic " {$25.00} Banking Fee ''. I believe this is deceptive because if the XXXX application shows a screen that makes you think the full amount you requested is being sent to your bank, but then hours later tell you that you will be getting less money via email, if you do not read the email, you will not know you are being assessed this fee. On X/XX/2017, I made a withdrawal from my Coinbase account for {$290.00}, and they showed me an app confirmation screen for a withdrawal of {$290.00}, but later sent me an email for stating that my withdrawal amount was {$260.00} because of a {$25.00} banking fee. I checked the Fees and Disclosure page but no " {$25.00} banking fee '' was listed, and they claimed that ACH transfers were free. I also did not opt or request a wire transfer, and so I do not know why I was assessed the fee. In summary, I believe Coinbase is violating multiple Federal laws. I believe that they are violating FTC Truth in Advertising Laws, since they deceptively advertise their fee structure. I also believe that they are violating SEC laws as my fiduciary. If virtual currency is treated as property for Federal Tax purposes, than Coinbase has a fiduciary duty to do what is in my best interest. By charging  excessive and undisclosed fees, I believe that they are in violation of the law, since it is not in my best interest to be assessed those fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11-09-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Everyday in XXXX and XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.

Company response to consumer: Closed with explanation