milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 I made a payment to my Navy Federal Checking Line of Credit, which NFCU claimed on XXXX was returned unpaid. On XXXX/XXXX/2016 my account access for all of my Navy Federal accounts was frozen. I called NFCU to inquire as to why I could not log in to my accounts. At that time the agent attempted to walk me through a password reset of my account. I was still unable to log in. At that time I was advised that my accounts were fine, but that the loans department had placed a freeze on my accounts. That team was unavailable, so I had to call back. 
I called NFCU again on XXXX, and was advised that because my Checking Line of Credit was delinquent, my electronic services had been revoked. I had no access to any of my accounts. I was assured that until I paid what I owed Navy Federal, I could still transfer money between my accounts over the phone to pay things like my car payment and credit card, as well as use my NFCU credit card as long as I continued to remain in good standing on those accounts. 
On XXXX I started receiving notification from places I was making payments to that my payments were bouncing from both my credit card and checking. I called again and asked about what was going on, and was advised that my account was overdrawn. NFCU had removed all money from my accounts to go towards the XXXX balance. An item attempted to clear my account, but was returned. The vendor, XXXX, had another attempt scheduled for that evening, so I asked the agent to have money transferred from my credit card to checking to cover the balance until we figure out what is going on. I was advised at that time that ALL access to anything, including transfers, my credit card, etc. had been taken, and I could not access my accounts until NFCU was paid for the XXXX that was past due. I can not even use the phone to handle my account. 
At this time, I have no access to any of my accounts, and NFCU has caused my checking account to become delinquent as well. I have all of my liquid financial assets with NFCU, and this is causing severe hardship for myself and my family. I received no notice that my accounts would be frozen, especially when I am not delinquent in all that is frozen. I understand that this practice is in direct violation of the CFPB ruling file XXXX/XXXX/2016 labeled " XXXX ''. 
I would like my access restored, and any harm done to my accounts to be reversed, immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Columbus Finance Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: AS OF first Week in XX/XX/XXXX : I 'm seeing XXXX hard inquires on my credit. They are from a car dealer XXXX XXXX XXXX in XXXX Ohio. They asked if I would cosign as backup for a vehicle for my husband. I specifically refused to fill out the application or to sign ANYTHING until they knew if he needed a cosigner or not. They said they would n't run my credit without my signature, I never did sign or fill out this application and they ran my credit twice. Did not bother to call me either to inform me that my credit was ran. I did n't authorize this. I have retrieved the unsigned form one of the banks got for a credit application. Again this is unsigned and, not filled out by me! The bank stated they get them unsigned often. What good is a signature if they run consumers credit without it and especially without consent? XX/XX/XXXX : Update : So I have been fighting this and have called and gotten the run around each place I call. One of the banks however has been very cooperative where as the other has not. The bank that 's been cooperative ( XXXX XXXX XXXX ) emailed the application form that I did not fill out or sign. They are also going to look into mailing me a letter of dissolution which is what XXXX  said I needed. Second bank ( Columbus Finance ) unwilling to work with ME when they pulled MY info keeps saying for me to call the dealer so I just called and spoke with XXXX. Recorded the phone conversation. I feel he was eager to get me off the phone, said he would call me back, I asked when. He said to give them 10 days. He denies pulling my credit, then when I tell him I had the form I actually did not fill out and it was unsigned he said I gave him my DL which is his way at trying to justify that for a credit pull. seriously?! You provide a DL to test drive not to pull credit. They know they were in the wrong, stumbling on words to get me off the phone. The Credits pulls are from XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I recently just got my first auto loan from my lender Santander and when trying to make a payment I noticed that there is a convenience fee of XXXX using either my bank account or a credit/debit card. It seems the only way I can avoid such a fee is by mailing a payment in or setting up automatic bill pay which I am not able to do because of my payment schedule. I also live in the state of Florida in which I believe such fees are illegal as per statue XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: i have two chase cards one with a credit limit if XXXX and the other XXXX i only uses my freedom char card balance is XXXX i pay on time or early and more than the minimum payment. I tried to use my other chase card the slate for groceries and it was declined i have never used the card before still had XXXX balance on it, i looked up my accounts says that my accounts are closed! I never received a email phone call or mail stating that my card might be closed or why they would even close down my accounts that i pay on! I receive emails stating when my payment is due and when i make a payment! But no notification that my accounts are being closed when i pay them on time all of my credit cards are paid on time have a 100 % pay history, yes my score went down a little since i got my chase card but i still pay on time, they have failed to notify me of any issues wich is against the law, and they descriminated against a good client who pays there bills on time by closing my account and they failed to notify me that they checked my credit without my knowledge!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: during 2014 I purchased some window treatments from XXXX XXXX company and returned the entire purchase. the store employee was new to XXXX XXXX and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later Portfolio Recovery contacted me by phone ask me to pay the XXXX bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from XXXX XXXX or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that Portofolio Recovery is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that Portfolio Recovery is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from XXXX XXXX that shows I owe any money to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Consumer Loan (Title loan) with Select Management Resources, LLC (MD).
Issue: Payment to acct not credited

Complaint: I have applied for loan max title loan and I have been paying on this account since XXXX/XXXX/2014 I received the loan on XXXX/XXXX/2014. now I have been paying {$210.00} every month to find that because i was late the money paid every month for almost 1 year will not count against the principal or the loan only interest which i totally do n't get. so these people are telling me that i have still have an almost {$11000.00} balance and the loan was for {$850.00} i have already paid {$1200.00} This is robbery as well as unfair business. I need assistance ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I accidentally submitted a payment of XXXX ( full balance, not the statement balance ) to be paid from a checking account. The payment was posted that business day, however the balance in the checking account was not at XXXX. This payment was kicked back. The following business day ( a Monday ), the checking account balance was above that amount, the payment was retried, and completed successfully. 

I was charged a {$25.00} for the return and retrial of the payment. I do n't believe it cost the company {$25.00} to perform this service. It seems to be a purely punitive measure by the Credit Card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: RE : Bank Of America Student Credit Card / Timeline of ReportingThis complaint shall serve as formal notice of my Intent to file a lawsuit against Bank Of America, due to its ' blatant and objectionable disregard of the law. 

I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

This is not a request for validation or verification. 

Violations FCRA Section 611 Part ( A ) ( 1 ) {$1000.00} per violation. 

cc : Law Offices of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Board Of Governors Of The Federal Reserve System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXcc : Office of the Comptroller of the CurrencyXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: My sister and I are listed as POD ( payable on Death ) for my uncle 's checking account at PNC. My uncle passed away  XXXX   XXXX ,  2017 but  PNC has frozen the account and not released the funds to me or my sister. They have provided NO INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I get  XXXX  students loans showing on my credit report who actually getting paid by my mom monthly. The company just now reopen my debt and doing a garnishment on my paid stubs bi-weekly. I do not own a student loan the debt is under my mom credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially XXXX. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because XXXX, I get a message that says XXXX has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX XXXX and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I was put on a modification payment XX/XX/XXXX and made the required downpayment and when I went to make my XX/XX/XXXX paymen ton XX/XX/XXXX. ocwen would not take my payment online and I called and was told a relationship manager would call me on XX/XX/XXXX at XXXX. no one called. I called again and was told the next available date for a call back is XX/XX/XXXX and I asked for an earlier appointment as I wanted to make sure I paid XX/XX/XXXX mortgage per the repayment plan. I received a call XX/XX/XXXX and explained this again and and I was put on another repayment plan to take effect XX/XX/XXXX with a payment of {$4900.00} and 5 payments of to get back to current payment of {$3500.00}. I schedule another call back for XX/XX/XXXXto make sure payment was taken out of the account on XX/XX/XXXX. I am told today that was denied. each time this lender keeps giving info to me and I comply and then they change their mind and causes more fees and time. I never received any mailed documents as it was to be sent via email as requested. now they cant take the payment because its over 90 days. and the relationship manager refuses to transfer me to US rep., I have waited over 1 hour to speak to a manager in their XXXX office andXXXX keeps calling to transfer me and I cant keep holding

Company response to consumer: Closed
Consumer complaint received 04/20/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/2016 cust received a alert on her phone informing her of {$900.00} worth of charges on her Macy 's account. 
- XXXX called Macy 's and informed them charges were fraud. 
- XXXX submitted info requested by Macy 's which included PR and Identity Theft Affidavit certified mail on XXXX/XXXX/2016 and also faxed info because they stated they never received info. 
- XXXX has been receiving bills monthly from Macy 's for fraud charges and recently received collection notice this week. 
- XXXX called Macy 's on XXXX/XXXX/2016 and was on the line for about 3 hrs until she was transferred to XXXX with the Consumer Protection Group at Macy 's. 
- XXXX stated she would place a note on collection file, process info and to allow 2 billing cycles for charges to be investigated and be removed, case # 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 monetary relief
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was from 4 or 5 years ago, but it is being reported as a new debt as of XX/XX/2016, by SW Credit Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have requested on several occasions on all XXXX credit reports for XXXX XXXX account to be removed off XXXX, Experian, and XXXX. Last deliquency date was XX/XX/XXXX and this company is still reporting charge off and also has sold account as of XX/XX/XXXX to XXXX and now this company is showing collections account and date opened in XX/XX/XXXX. I have also requested on several occasions to a XXXX agencies to correct this information as well. This should also reflect actual date but instead they are using a more recent date to effect my credit for a longer period. Please remove XXXX XXXX account and correct dates on XXXX XXXX. This should not remain on my report longer than 7 year period. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, XXXX, EQUIFAX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company is attempting to collect a debt from me and has reported this debt to the credit bureaus. The problem is this company has yet to provide verification of this debt. I have no idea who or what this debt is for and I have no contract with this agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Deposits and withdrawals

Complaint: Navy Federal Credit informed me that XXXX from Security put restrictions on my account leave with no access to my account please he question my membership when my daughter XXXX XXXX referred to the bank and per membership you need have immediate family in order to join. When I open the account my daughter confirmed that I 'm here mother. Please explain when do membership and security have the authority to put on a member account that has XXXX XXXX Direct Deposit into my account. Please explain if Navy Federal as that authority to do this is that part of Federal Regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
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: Equifax and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state XXXX and XXXX, I have contacted XXXX XXXX XXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Equifax along with the supporting documentation that they have I have enclose copies of my requests to the XXXX that was sent XX/XX/XXXX, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with INVESTORS BANK (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This is related to case # XXXX. I have a mortgage with Investors Bank. They made significant errors in servicing the account, including debiting extra unauthorized payments from a linked checking account and incorrectly applying the payments to the wrong amounts of interest/principal repeatedly. After about 9 months of issues and many complaints, they seem to have finally fixed that problem. This is a NEW complaint regarding the same account. In addition to the aforementioned issues, I just ran a credit report and discovered that Investors Bank erroneously reported a late/missed payment on the account in XXXX 2016, even though no payment was ever missed and, in fact, the payments were AUTOMATICALLY debited biweekly from a checking account at the same bank. Furthermore, the bank 's report to the credit bureau contains additional errors, such as the term of the loan ( not 25 months ) and the type of loan ( not an automobile loan ). This continues a pattern of sloppy, incompetent behavior by the bank. Please help us ensure that they fix this problem and do not create any additional ones in the future.

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