vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
My husband and I are attempting to build a home. In the process of applying for a mortgage using my VA benefits, we were informed on XX/XX/XXXX that I did not qualify due to late payments reported by Navient. XX/XX/XXXX I applied for a year forbearance. I was a stay at home mom with no income and my husband was on XXXX XXXX for the XXXX. I spoke with someone over the phone and was assured I would have my forbearance started. XX/XX/XXXX I became pregnant with our second child and was put on bedrest intermittently due to a severe clotting disorder and hyperemesis. I again contacted Navient to verify that the forbearance was in effect and was told it was. I was very upset when I found out that XX/XX/XXXX and XX/XX/XXXX were reported as missed payments. I reached out to Navient 's customer advocate with the information and screenshots and was sent a template response stating to contact the individual consumer reporting agency to remove the information in question. I also discovered today that I do not have access to any documents from before XX/XX/XXXXon the Navient portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX I deposited two IRA distribution checks to my Bank of America savings account. Both deposits went through with a timestamped transaction date of XX/XX/XXXX. My total balance reflected both successful deposits, while the majority of the funds wouldn't be available until the next buisness day. A few minutes later a hold was placed on my account on one of the deposits, and prevented acces to these funds untilXX/XX/XXXX. According to the Expedited Funds Availability Act, they were able to do this as an exception because the total amount of deposits exceeds {$5000.00}. However, they failed to release the minimum of {$5000.00} which they were obligated do as this was an " official '' transaction, an IRA distributionfrom XXXX. When I called customer service they lied multiple times, telling me they couldn't verify the funds with XXXX or XXXX. This is the functional equivalent of a cashier 's check, and I have a two year history of depositing from XXXX. I've never over drawn the account, and I've had it open since XXXX. They wouldn't allow me to cancel the deposit, they refused to remove the hold, and mislead me multiple times as to the reason why there was a hold. Lastly, they provided erroneous information about the laws that govern these transactions indicating they were within their power to hold the funds indefinitely. They also interrogated me about what I needed the funds for, and I would have to disclose that to them if I wanted the money released. That is totally unethical. They have no reason to demand that non-public information or use the hold as leverage to acquire information they arent entitled 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 non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX i contacted XXXX XXXX regarding unauthorized transaction that i had not made. They had no customer representative the time i called before that and instructed i call in the morning. leaving my card vulnerable. i have had a hard time to communicat with them regarding my dispute. i have no business with the merchant who has charged my card for XXXX dollars and an estimate of almost XXXX charges made. XXXX had been notified on the XXXX of XXXX but failed to close my card or issue me a newone. to my knowledge i was under the impression that my card was not useful and i disposed of it. on XX/XX/XXXX and XXXX of 2019 i logged into my account and saw that i had been charged by the same merchant even after i had notified amex about this issue. i called that day and asked why has my money been jeopordized and not taken serious and why i wasnt told that i wouldnt be receiving a replacement or block on my card. that night th representative hung up the call and i was tired just got off work and had no time to call back again. i did call two days later and i went through a confusing process to get to even speak with customer service. they give no option to speak to anyone even when pressing 0 so i choose the stolen card option but only sends me to general customer service agent and i have to explain and be verified just to be told the dispute department is closed and call during business hours. i filed a compaint with the XXXX XXXX XXXX XXXX and was advised to file a rebutta but i received last night on the 45th day a denial until XXXX pm. stating via email i have been rejected fof my dispute and to call customer service for copies. i had requested document statements and i never receivee them. i need help to get this to thr right depsrtment they took almost XXXX estimated dollars that i have been robned for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: NE

Complaint narrative:
Wakefield and Associates debt collection agency out of Colorado has sent me written communication about a medical debt that is apart of an on going lawsuit. After receiving this letter I contacted the agency by email ( which was an option provided ) to advise them I am represented by an attorney and any futher communication should be through my attorney. Since then I've received another letter and more than at least 5 phone calls. Once I received the second letter I again sent another email. I also work for a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2019 ), Equifax & XXXX have failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX inaccurate XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I am on a mission to find help and relief from Navient ( sallie mae ). I was recruited to XXXX XXXX XXXX in 2007. The day I signed the papers for that loan was the day I fell I signed my life away to a prison sentence. I have been harassed. I have been bullied by the companies. They fear mongered. I am not trying to get money. I want freedom from this loan that keeps growing even though I have paid. The interest rate keeps going up. The school is closed. I see people allllll around being relieved ... why can't i? I can not find anyone to help me. Can you help me? Please? I am fighting sooooo hard to better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, Franklin Collection Service ( XXXX XXXX XXXX XXXX XXXX, MS XXXX ) marked a collection on my XXXX and XXXX credit reports, severely damaging my credit without any notice nor proof shown. I NEVER received a single letter from Franklin Collection Services,  and when I called them to validate the debt, they claimed to have sent 3 letters to an address in XX/XX/2019. I have not lived in that address for over THREE years, and there is absolutely no way for me to ever receive this mail. The did not notify me of the debt, nor did they notify me of the collection. 

Further, I then sent a letter on XX/XX/2019, via Certified USPS mail ( Tracking :  XXXX ) to Franklin Collection Services requesting immediate validation of the debt they claim I owe. This debt has never been validated, and I have seen absolutely zero proof of the validity of this debt. 

In my letter, I asked Franklin Collection Services to provide me with this validation of the debt. They have been non-responsive and ignored my letter ( which I confirmed with USPS was delivered on XX/XX/2019 ), and continue to report the collection on my credit report, which is having a highly negative effect on my ability to obtain credit. 

I believe that Franklin Collection Services is using the negative impact of the derogatory remark on my credit against me in an attempt to make me pay them money for the debt that have failed to validate. This is a direct violation of my rights. Moreover, the lack of response and providing validity of this debt they claim I owe, then proceeding to severely damage my personal credit file is in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } and the Fair Credit Reporting Act. 

Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, it is my right to dispute the claim and request validation. Under the Fair Credit Reporting Act, it is in direct violation to severely damage my credit with a debt that has NOT been validated. 

This collection agency has over 100 complaints with the XXXX XXXX XXXX ( XXXX ) and is clearly operating illegally and/or unethically. Please investigate this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2019 ), XXXX & Experian have failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX inaccurate XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine

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 2019-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: CA

Complaint narrative:
XX/XX/XXXX, I called XXXX to get some hard inquiries removed because I did not authorize them. They told me they dont remove inquiries. How is it fair for them to sell my information to companies to pull my credit report and review without my knowledge and when it is brought to my attention and I try to dispute it they refuse to remove it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I was charged over {$620.00} for a XXXX  services. I filed a fraud claim with Discover credit card. I got a letter in the mail stating it was resolved on company letter head and that my credit would remain permanent. I called Discover today and they said I still owe the 600+ money. They said they would not assist me and to go to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I applied for a credit card from XXXX XXXX on XX/XX/2019, Reference number XXXX. 
I received a letter dated XX/XX/2019 from Bank of America stating that my application has been denied for reasons such as no having enough credit references, etc. 
They provide a phone number that I can get a free report. I call the number but after entering my information it says I do not have a recent denial of credit. 
I have an excellent credit and my credit score is about as high as it can be. This is not the first time I am applying for XXXX XXXX credit card and be denied while having excellent credit. 

I called the Bank of America located at the address of this letter : XXXX XXXX XXXX XXXX, XXXX, NC XXXX but their system does not allow me to talk to a human. Also I called the credit agency XX/XX/XXXX at XXXX and they do not give me any option to report this issue. 
I need help. 

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 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
A check in the amount of {$1400.00} payable to myself sent from a prior employer was intercepted in transit by an account holder at Wells Fargo Bank under routing number XXXX. The check was deposited into an account at Wells Fargo on XX/XX/2018 after forging my signature. Wells Fargo was served with a Fraud Statement of Claim on XX/XX/2018, attached, requesting a return of these funds and has not returned them as of this date.

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 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
chase charges three insufficient fund at the same day without notification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
In the last week of XX/XX/2019 I reported some of the fraudulent activity on my HSBC credit card with a police report. Its been three weeks I haven't received any letter regarding fraudulent activity. they haven't sent me my new card. Haven't given me any kind of credit and in fact sent my card to collections. 

I received a call from collections to collect {$50.00}. 

My card ends in XXXX which had fraudulent activity on it. 

Whenever I call customer care they just transfer me from one department to another, asking me If I am calling from US or not. Verifying me each time by each agent by sending me a text message which I never receive and then saying that my phone is not registered in US. I am totally irritated. 

Sometimes the call goes to XXXX other times to XXXX. 

When I applied for the credit card I was told that I will not be held responsible for unauthorized charges, so why the bank is not honoring it? 

Today was my 10th call regarding this matter. Most of the times when I call their fraud dept is closed. They are just transferring me from one department to another. Disgusting customer service. 

And when I am calling from the US phone number why they have to ask me each time that if I am calling from US or not? 

Today I received the bill from HSBC where they have changed the credit card number but haven't given me the credit for the fraudulent transactions. and there is no message in online secure center and customer service is rubbish

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I called XXXX  to get some hard inquiries removed because I did not authorize them. They told me they dont remove inquiries. How is it fair for them to sell my information to companies to pull my credit report and review without my knowledge and when it is brought to my attention and I try to dispute it they refuse to remove it?

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 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
I bought a van in XXXX  while on XXXX XXXX in XX/XX/XXXX. I XXXX in XX/XX/XXXX and moved to XXXX. InXX/XX/XXXX, I had the van refinanced to assist in a home loan approval. GM Financial ( the original finance company ) sent XXXX XXXX XXXX ( the refinance company ) a " release of lien '' letter, but never sent the title. XXXX XXXX was able to refinance it somehow, but this time, they need the title, and GM Financial won't send them a copy. I even tried going through the XXXX  Department of Licensing, however they never received anything from XXXX   either. XXXX  NEVER generated a paper title, I NEVER received a paper title, and XXXX XXXX XXXX has NO WAY to transfer the title to XXXX ... without a paper title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/2018 I reported a dispute with transunion on my account they never completed the dispute and they dont let me create another

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 2019-04-12 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: Credit Karma, LLC
State: AR

Complaint narrative:
XX/XX/2018 I reported a dispute with XXXX on my account they never completed the dispute and they dont let me create another

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Nelnet, Inc.
State: MI

Complaint narrative:
A few days ago Nelnet reported a remark to the credit bureaus regarding an account that was paid in XXXX of this year. How can they remark on a closed account? First they reported incorrect information on my credit report about the payments I made and the amount of time they were supposedly late. I have proof that I made payments and that the amount I paid was more than what they listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reason I am writing to you is to express my frustration with Equifax. This company keeps on reporting unverifiable accounts even after disputing with them a number of times. EVEN The creditors Have Agreed to DELETE but this company is still reporting this account to date. The creditors sent a request to this company to delete, so I don't know why it still keeps on reporting this account.

Below is the account whose creditor has agreed to delete but Equifax is still reporting : 1. XXXX XXXX ACC # XXXX, Date Opened XX/XX/2017 I am attaching prove of creditor accepting to delete this account for reference.

Company response to consumer: Closed with non-monetary relief