vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I place a stop payment for an ACH debit for a XXXX XXXX payment through Navy Federal 's website. 
On XX/XX/XXXX, I called Navy Federal to confirm that the stop payment had been received and was told by a representative that the stop payment was being processed. 
On XX/XX/XXXX, the XXXX XXXX purchase was posted to my checking account. I called the same day and requested to have the funds reversed and inquired as to why the stop payment failed. As a result, my payment for the electric bill was returned. I was told that the stop payment possibly failed because I was supposed to submit the request via phone and not online ( this was never told to me by the rep I spoke with on XX/XX/XXXX ). I was emailed a dispute form and the funds were placed back into my account on XX/XX/XXXX. 
On XX/XX/XXXX I called my electric company and paid my bill, but they informed me I had incurred a return fee and was restricted from making any ach payments. The electric company requested a letter from Navy Federal showing that a stop payment was issued and failed, making the payment return.

I called Navy Federal afterwards a requested a letter be emailed to me, so that I could provide it as proof of the failed stop payment. I was told by the rep that they would have to listen to the phone call from XX/XX/XXXX, to verify that I was told the stop payment was being processed and to call back later in the afternoon to follow-up. 
I called back later that afternoon and spoke with XXXX ( supervisor ) and she stated she would pull the call from XX/XX/XXXX herself. She then stated that the call was not recorded and she could not listen. XXXX stated that she would need to have an analyst check to see if the call can be retrieved and she would call me back on XX/XX/XXXX once they have gathered all the information. 
On XX/XX/XXXX, XXXX called and informed me they were able to listen to the XX/XX/XXXX call and because of such, could not send me a letter confirming that a stop payment was placed on XX/XX/XXXX. I told her that as a member of the credit union, I should have access to retrieve a document showing that this stop payment was issued. She informed me that because the call between the rep and I from Navy Federal was not recorded, they could not send me documentation. 

This is an unjust and unfair act, because I ( the consumer, customer, member ) is suffering because of a mistake and fault on Navy Federal 's part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am a XXXX year old Private client of XXXX for over 26 years. I previously put five of my personally own companies accounts through CB in XXXX, CT XXXX. For 26 years I have had a Chase slate Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per Chase suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the Chase card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called Chase cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave Chase a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that JPMCB har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called Chase Automatic Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that Chase would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from Chase about the card. I want the incorrect implication in my credit files removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received a letter from a Debt collection company ( National Credit Systems Inc. on XX/XX/2019 in the amount of {$390.00} for XXXX XXXX XXXX XXXX XXXX. I am the victim of Identity Theft and have filed a police report which I will be attaching. I have sent a letter disputing these charges on XX/XX/2019 and they sent another collection letter in XX/XX/2019 and responded by sending another letter disputing the charges on XX/XX/2019. I am currently in the process of responding with a third letter with a copy of my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Ex-wife opened multiple credit card accounts without my knowledge and ran up thousands of dollars of charges unknown by me.

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 2019-10-04 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: MS

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on XXXX acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about XXXX XXXX   XXXX XXXX { XXXX XXXX XXXX XXXX  { XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-10-04 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: MS

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on experien acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about XXXX XXXX   XXXX XXXX { XXXX XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-04 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: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I work for ID Experts, an identity theft protection and repair service, and we are serving as Power of attorney for XXXX XXXX. 

I have sent disputes to HSBC on XX/XX/2019 and on XX/XX/2019 by mail to two different addresses. The disputes included all necessary documents. Power of attorney, FTC ID theft affidavit, copies of drivers license, social security card, proof of address, and police report. 

I have sent the same items to XXXX on XX/XX/2019 and XX/XX/2019, both times I was very specific in requesting the deletion of the HSBC account and inquiry as it is a result of identity theft. 

As of XX/XX/2019 the account remains on the XXXX credit report. 

This is a regularly occurring issue and both HSBC and XXXX are regular violators.

In addition to this, when trying to call HSBC, I waited on hold for their fraud department for 89.8 minutes. I finally gave up and called their main customer service number and waited for an additional 43.5 minutes. The fax machine that was listed on their website does not go to a fax machine at all, it was a recorded greeting for HSBC so it is apparently a voice line. This number has since been removed from their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am attaching previously agreed and signed documentation from standing in front of the presiding judge on XX/XX/XXXX, XXXX For settlement due of {$1300.00}, of 45 monthly payments of XXXX 

Then the following documents from XX/XX/XXXX, is whenever our signed agreement was ripped right out from underneath me by a Motion and Order to Set Aside Judgment without any warning. It states that I was served via First Class Mail to address XXXX XXXX XXXX, XXXX TX XXXX - when in fact I NEVER received those documents/were served, nor was I living there - I had moved from that address to another a year + prior to us had even settling on XX/XX/XXXX, XXXX Such happenings, I was never properly served, and there is no proof/signature ( by me ) proving that I was served the documents before the Motion and Order to Set Aside Judgment was submitted on XX/XX/XXXX then was granted on XX/XX/XXXX. There was no trial called, the only trial I was informed of was for XX/XX/XXXX XXXX which I had attended, due to us agreeing and signing in front of the judge ). 

Now, TWO years later, it is now sent off to another debt collector, XXXX XXXX , XXXX is calling attempting to collect the debt, however, they are giving me time in order to submit my complaints and attempt to dispute the amounts CACH LLC is trying to recover from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
This is a complaint for actions in violation of FTC Section 5, specifically as it related to unfair or deceptive acts or practices in or affecting commerce. '' It further violates The Dodd-Frank Wall Street Reform and Consumer Protection Act with " abusive '' acts designed to takes unreasonable advantage of the consumers inability to protect his or her own interests when selecting or using a financial product or service. 

US Bank closed my account ( ending in XXXX ) for their stated reason of believing that I fell victim to a credit card scam. After a phone call to them to inform them that that was assuredly not the case, they seemingly weren't interested that I wasn't actually the victim of a scam and kept the account closed. It is therefore my belief that US Bank closed my account for some other stated reason that had nothing to do with the safety of my account - the information they provided me was misleading. 

In addition to the closing of the account in concern ( ending in XXXX ), they also closed my account ending in XXXX. 

While US Bank has the prerogative to close my account, in the process of closing the account, they refused to return the {$400.00} annual fee on account ending in XXXX ( which had been paid just 60 days previous ), the {$49.00} annual fee on the account ending in XXXX, and confiscated more than {$2000.00} in reward points across both accounts. They do not own the prerogative to confiscate money paid to them for services not rendered, nor do they own the prerogative to confiscate promised rewards which were obtained at cost to the consumer and which profited the bank. 

It's evident that US Bank baited me with a premium product and then inexplicably closed my account, taking my money and points without recourse or compensation. They were the beneficiaries of having an additional cardholder, receiving money in the form of an annual fee, credit card processing fees, and confiscation of rewards, while not providing any of the benefits promised to me. 

At best this is a case of mistaken conclusions, handled poorly by a lending analyst. At worst, this is a case of blatant disregard of the laws contained in the Federal Trade Commission Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act.

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 2019-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX  days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Our credit card is being billed {$19.00} twice monthly ( assumption is that it is for both of us ) by Experian* Credit Report. We have not subscribed to any membership nor authorized any charges whatsoever. Experian does not publish any phone numbers that would allow anyone to speak to a live person. I have called Experian, given my social security number, date of birth and other personal information and tried to cancel " my membership '' and the system responded ( as it should have ) that there was no membership to cancel. 

I have filed a fraud dispute with my credit card company. They refunded the charge, but required the issuance of a new card/account number. My choice is now to close out my credit card or reissue for the fourth time ( which I will not do ). 

I am incensed at XXXX XXXX XXXX for allowing a merchant to make charges to my account without providing a phone number that allows the consumer to dispute or cancel services with the merchant directly.

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 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I went to get gas for my car. I tried using my Bank Of America Debit card and it did not go through. I get to work and it takes 45 minutes to get alive person on the line. Once there is a human another 10 minutes to verify yet again, such an inconvenience to the customer. 

I speak to an individual that told me that my card did not work because my current card expiration date expired. I stated how can that be when it expires in XXXX and we are in the year XXXX. Totally ignored my statement and stated that. The company sent me another card that was activated. I asked how can that be I never received it. I am getting irate and there is over 20K on my card activated and the card is not in my possession. I am feeling like this is fraudulence occurring within the company. 

I hung up the phone as I was at work. I called back and spoke to a supervisor whom stated that they have no idea why my card was cut off. They advised that there are no current cards activated and the other representative misinformed me.I said I have no access to my funds she stated that the system glitches and cut my card off. I have no access to funds. I state this is suspicious and I feel like fraudulent activity is occurring, on my account. No response no assurance none whatsoever, just dead silence. 

This manager stated that they would expedite and overnight my new debit card, which is still not here. Supposedly it was ordered XX/XX/XXXX and it is XX/XX/XXXX still no access to my funds.. The most incompetent individuals that I have ever spoken with. No one knows anything. If I was not in the process of purchasing a ( n ) investment, I would take all my funds and go anywhere but Bank Of America.

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 2019-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My online banking account has been locked since XX/XX/2019 and after over 20 phone calls to HSBC, 5 non-responsive emails to their fraud prevention group, the issue has not been addressed. I have filed a formal complaint with HSBC on XX/XX/XXXX and they have not responded to my complaint nor addressed my issue. 

Since XXXX, I have not been able to log into my HSBC account and they also will not allow me to reset my password because they believe the account is fraudulent after I've had the account open since XX/XX/2019. 

I did not have any suspicious transactions into/out of the account but since it has been locked in XXXX, I am not able to close my account or access my funds. 

HSBC is literally the worst bank I have ever dealt with due to their poor customer service, lack of response, and lackluster compliance group

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I paid for an account to improve my credit. The company was financing a water filter that is connected to my house.It is an installment loan- one of the 3 bureaus has it as a mortgage. 
I called the XXXX XXXX and they say it is not a mortgage- I opened a dispute with Experian, they are the only copy reporting this as a mortgage.

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 2019-10-04 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: MS

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with o {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the police locally and FTC. These items need to be deleted from my credit report : Ch XXXX Bankruptcy, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX, XXXX acct XXXX equifax and XXXX  acct XXXX on XXXX, XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief