vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from BofA asking for additional information to dispute a charge with XXXX, as well as documentation from XXXX. The letter stated that if this information is not received by XX/XX/XXXX, BofA will close the case. 
BofA failed to give me reasonable time to respond, and refused to review my case. 

BofA received a response from XXXX stating that customer picked the merchandise & also acknowledge the sale by signing on the POD. and the Merchandise is in Customer possession Customer need to return or exchange the Merchandise in order to get resolve the issue. We can not accept this charge-back until Merchandise was in Customers possession. 
This statement by XXXX is FALSE, however BofA did not address this even after I pointed it out. As supporting documentation to BofA CC services XXXX sent a document title PODSheet ( see attached ). It states that Orig. Deliver as XXXX to an address in Texas to a Company : XXXX XXXX , delivered a YEAR BEFORE ( XXXX ) I purchase the items. This is obvious NOT me. 

BofA has ignored FALSE information provided by XXXX, and instead provide virtually no time for me to respond. 

XXXX XXXX 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 2018-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request SYNCB/JC PENNEY DC to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.

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 2018-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Starting on XXXX the XXXX I started requesting a payoff notice to be sent to our title company to sell our house. Every time I am told it will take 24 to 48 hours. I have tried this process over the phone at least 4 to five times over the last two weeks and at l ; east 2 times through the online chat. As well as there is a document viewer on the website I was told I would be able to view the payoff statement every time I try I'm just given an error code. When I asked why I can not view this no one can even give me an answer. This is causing me to have to pay two home payments every month because we are already out of that home into a new one and can not sell without that statement. The title company has everything else they need and we are only waiting on that one document. They are very unprofessional and apparently all of my calls are being answered in a call center in another country every time I ask where I can file a complaint I am given the run around or transferred to a busy line or disconnected on. Today XXXX the XXXX I am being told there system is having technical difficulties after they told me it would be faxed within the hour. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: ME

Complaint narrative:
Someone gained access to my online bank account and transfer {$4500.00} from my checking account to a XXXX XXXX XXXX Account XXXX indicating I am the owner of this XXXX XXXX XXXX Account. I do not have a XXXX  XXXX XXXX Account, and the account is not mine. I have contacted XXXX XXXX XXXX myself and confirmed this is not my account. My bank is holding me accountable for the lost, denied my fraud claim. They argued that since the transfer was originated from one of my devices according to their IT, so I 'highly likely have made this transfer '. I did  not create the external account indicating its my account in my online banking account, then transfer {$4500.00} to this particular account I have no access to. 
I did not authorize the transfer of {$4500.00} from my check on XX/XX/2018. I informed the bank of this unauthorized transfer on XX/XX/2018. I do not have access to this external XXXX XXXX XXXX Account, and it is not under my name. My bank is only willing to send a letter to XXXX XXXX XXXX to request the return of {$4500.00}, and they did not iniliate the transfer after a week of me informing them. My bank known the external account is not mine, even despite it indicate it is transferring to me, but holding me accountable without evidence proving I made the transfer. My Bank is : Navy Federal Credit Union Account Number : old ( compromised account ) XXXX new:XXXX  Call NFCU multiple times each day. Submitted appeal over 10 days ago. First was told they received the appeal and it takes time. Then was told today they didn't receive the appeal and I would need to resubmit the appeal. Called three times today to ask to speak to the agent who handled the case but was told she can't speak to me. In all three calls today I was told no one is working on this case or looking into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Originally appeared on my credit reports several years ago as a debt owed to XXXX XXXX ( TX ) XXXX. Evidently, they are a county ambulance service. At the time they claim services were provided, sometime in XXXX, I was XXXX and was covered by Medicaid. I had never and have never received a bill of any kind either from XXXX XXXX XXXX or the collection agency, Municipal Services Bureau ( " MSB '' ), which is a known scam front for Gila Group. When this first appeared on my credit in XXXX, I called MSB and explained the situation and asked why I never received a bill of any kind from XXXX XXXX XXXX, nor from MSB. No one could provide any explanation and agreed to remove it from my credit, which it was. Then out of the blue, about 6 months ago it reappeared on my credit. I have contacted MSB again and they could not locate any record of me whatsoever and had no idea why it was on my credit. The MSB rep said he couldn't have it deleted if they had no record of me. In other words, they didn't know why it shows on my credit so they can't do anything to remove it. But the Rep then went into a spiel that if I paid MSB the amount shown as a debt, they COULD remove it. So it is just a shake down by a corrupt company, Gila Group, and its front MSB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have tried many times to negotiate with Navient regarding my student loan. They will not take anything into consideration as i have told them many times i am already paying {$500.00} a month in other student loans and in no way can pay what they are asking as there is no money left. Im not trying to not the pay the loan, i just want an affordable option. So I resulted to sending them what money i have left from other loans and life expenses which resulted in {$10.00} each payday. 

However, they have resulted in harrassing me by phone and will not give me any options. Today they called my job, i tried again to negotiate but they said no and told me they will continue to contact me at this number. 

Before calling me at my employment, they called my parents house many times a day asking for me beginning at XXXX until XXXX. Now they have resulted to calling me at work. 

I need these people to stop the harrassing tactics and try to help me with resolving the issue. They never give me but one option and that is the rate reduction plan and its over {$300.00} a month. If i had {$300.00} left each month, i would send it to them. 

The last statement today was we will continue to call you at this number until your account is current. 

Make them stop and give me a fair deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: NH

Complaint narrative:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX  and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.

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 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.

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 2018-08-21 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: U.S. BANCORP
State: TX

Complaint narrative:
my credit is dinged without giving permission

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 2018-08-21 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: DISCOVER BANK
State: TX

Complaint narrative:
my credit is dinged without giving permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be  advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

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 2018-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/2018 I called XXXX XXXX to withdraw any ACH I had signed with them. The reason being- I will be paying them from another account, which I expressed to the company. She told me no problem and they would no longer withdraw. I log into my account on Monday, XX/XX/2018 and have a withdraw of XXXX from XXXX XXXX. I received no e-mail, phone call, nothing- even to warn me of this charge to my bank account. I have also filed a dispute with my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
XXXX account was paid.

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX 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 2018-08-21 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: LA

Complaint narrative:
On Today, I received a response from Equifax stating that I should send a copy of my social security card so that they can update my information. I also attached a copy of an utility bill so that they can add the correct address to my credit report. I filed an identity theft report with FTC. I ask that Equifax remove anything on my credit report that isnt supposed to be on there. If the items cant be verified and send me proof of verification then I ask that they permanently remove these items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Dates, amounts and actions : On XX/XX/XXXX I got a mail notice about an overdraft. I opened the account online and was appalled to see the bank had charged me overdraft fees against a positive balance that put me in overdraft and then proceeded to charge me daily overdraft fees against the overdraft they caused. There was no attempt made by the bank to reach out. The negative balance got deeper and then my insurance company made drafts against negative balance of which {$36.00} per draft was charged while the {$7.00} daily fees continued. 

The total of the overdraft came to {$250.00} of which {$290.00} were overdraft and services fees charged in a 20 day time period. 

I talked with XXXX XXXX at the XXXX Customer Contact center of BMO Harris Bank. This was on XX/XX/XXXX at or around XXXX. I have been a customer at the bank since XX/XX/XXXX. He proceeded to lecture me on the overdraft. I have never seen a daily overdraft fee. I asked him when the bank had put this policy in place as I never would have agreed to it. He claims the policy was put into place when I opened my account 18 years ago. 

I asked him if he had paper proof of that, and all he responded with was I can show you the current terms of your account. Frustrated with the apparent disregard they had for customer relations and the attempted dressing down from a person who wouldn't give his last name, I hung up. I'm XXXX Years old. I didn't intend to get emotional, but the attitude and wanton disregard for the past 18 years of being a customer put me into overdrive. 

This is just flat out robbery by another name. Overdraft fees, on top of daily OD fees, on Top of Overdraft fees as in the Punishment will continue until morale improves. I have wired enough to cover the overdraft, but the best out come for me is that this go as public as possible. A bank can only be as good as the service they provide and they all provide some variation of the same service. We bailed them out 8 years ago via tax payer dollars and then govt borrowing as the Fed printed up trillions to make their balance sheets whole again. Not one of them went to jail and now they rob us blind with apparent impunity. 

I realize with your budget cut, your ability to reach out is limited. I thought I would give it a try.

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX 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