vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX NAVIENT XXXX XXXX XXXX/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
To whom it may concern : NAVIENT I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I just had a decrease alert from XXXX and my identity has been stolen since XXXX. And also my grandmothers and grandfathers. It is XXXX. And they are leaving me broke without a vehicle and XXXX embroyos missing and they have not help me at all. I have been thru XXXX and I am also working with the dea. Get my credit fixed. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX a XXXX and it is XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX and 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 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Annual fee of my Chase credit card account, {$95.00}, was charged on XX/XX/XXXX. 

I called on XX/XX/XXXX and asked when is the last date by which I have to decide to keep the card or not without paying annual fee. I was informed that because the fee was due by the end of the billing cycle, I had time to decide until the XX/XX/XXXX Due Date which was XX/XX/XXXX. 

I called on XX/XX/XXXX twice to close the account. On the second call, I requested to close it and I heard it was closed. I cut the physical card. 

On XX/XX/XXXX, I found that my account was not closed. 
I called, and exchanged several emails with Chase agents since then, but they did not admit their error, initially saying that the account was not closed because I did not pay annual fee within 30 days after charging annual fee, which was XX/XX/XXXX I got two difference messages regarding this issue - one saying that 30 days from the date it was charged and the other saying that within the billing cycle. 

When I asked to check my two calls on XX/XX/XXXX only one call was checked or it was back to square one with an agent who neglected to read the email thread. Through this process, late fee was charged even though there was a return activity that gave a credit to my account. 

I request two things to Chase to make sure what happened : 1 ) Review all recorded phone conversations, share them with me, and verify that their agents told me that I could cancel the account by the XXXX due date ( XX/XX/XXXX ) on those calls, 2 ) Review the phone conversation on XX/XX/XXXX, share it with me, and verify that I asked to close my account and their agent was supposed to do it during the phone call, which was made before the XXXX due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I went into a Wells Fargo in XXXX, Colorado to cash my WF-issued payroll check. They proceeded to open XXXX accounts under my name, which have accrued charges and fees. I have requested the accounts to be closed with no success

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 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
I received an alert that my credit score had changed from a credit monitoring service. I saw a collection account with a company that I have never gotten calls from. I got a letter today from another credit collection company saying that XXXX XXXX XXXX has sold my collection account to XXXX XXXX XXXX. I called the original creditor on the letter. They would not tell me much. They suggest that I call the collection company. I called XXXX and they said the account was open onXX/XX/XXXX. They gave me two phone numbers XXXX XXXX and XXXX that was on the application. Those numbers are not my numbers. Then they gave me my SC number as a third number. Back in XX/XX/XXXX of last year, I talked to XXXX someone tried to open up a XXXX account in my name. This XXXX XXXX XXXX it now called XXXX is affiliated with XXXX. I tried to tell the collection agency and XXXX XXXX XXXX it this is not my account and its identify theft. They would n't listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I have been treated poorly every time I interacted with this company as if I am not a customer at all and they are offering me welfare or something. 
I was misled about the details of my first car a XX/XX/XXXX Nissan Sentra and when I declined the extended warranty I was told I would get a XXXX refund that would lower my payment. this never happened and the money went to Nissan Motor acceptance who did not even credit me 1 payment. 
Now my car was in an accident and my insurance company is totaling the car. I received confirmation that they paid Nissan Motor Acceptance over XXXX on my loan and Nissan is harassing me for payments on the car even though they just opened a new loan for my replacement car. they are going to ruin my credit for being a second time customer. I also have gap insurance and the company has made completing my claim almost impossible asking me for documents only Nissan and my insurance company have. My insurance company said they will send them the ones they have but Nissan is doing nothing to help me on their end but threatening my credit. I can not afford to make two car payments. Nissan promised me this would not happen. Nissan Motor acceptance has been borderline abusive in their handling of my accounts and treatment. It has been an emotional assault on me and causing my health problems. I can not believe how horrible they treat their customers. Cold and unfeeling. If I can warn every person I meet for the rest of my life it wo n't be enough.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I recently filed complaint ID # XXXX against Navy Federal Credit Union ( NFCU ) for fraudulent white collar mortgage fraud and RICO statute against me. You received a very eloquent and prevaricated response from XXXX XXXX ( NFCU ) Supervisor, Mortgage Default Management, XXXX, extension XXXX. 
She stated that NFCU never transferred {$5000.00} from any of my bank accounts to my mortgage which is not what I claimed. I said someone in NFCU had been entering my accounts and electronically transferring money under the guise of fees and payments without benefit of a clear delineation of who authorized what action and where the funds were being placed. 
The {$5000.00} that is pertinent to my account was removed by means of collusion with XXXX XXXX for a foreclosure that never took place which is financial fraud and a federal offense. NFCU from the CEO on down were privy to the opening and closing of Escrow # XXXX, on XXXX XXXX XXXX. Someone in the NFCU chain of command decided that not only would they pilfer money under the guise of legitimacy, they also reported the sale of my house as, " foreclosure redeemed. '' There was no foreclosure or abandonment of my house. I sold it in preparation to move to another state for imminent employment. 
Please send my the necessary CFPB form so I can provide you with written and/or electronic endorsement to audit my NFCU bank records for aggregate evaluations of any and all transactions. This is not an isolated incident. NFCU has shown the propensity to commit acts of bank fraud and financial collusion against a myriad of its member/patrons. Please refer to the following website for documented elements of alleged financial crimes and customer complaints. XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
My credit card bill was due in XX/XX/XXXX. I made the paid at XXXX on that day. OnXX/XX/XXXX I got a alert on my credit report stating that I was over the limit with my credit card. I was told in the past from first Progress as long as I make the payment by XXXX on due date there will not be a late fee. Which I did. This is a secured credit card and it 's really sad that they are taking advantage of me. It 's my money and even if I follow the guide I 'm still being held responsible. I have a copy of The payment made with XXXX apparently it 's a 3rd party company that excepts there payments. Which is still not my problem. They should not allow a system that they allow to except there payments make the customer late. Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America to deposit my promissory note to obtain a mortgage to buy home. The documents I submitted was carefully planned and written with all of the UCC codes and local laws pertaining to the promissory note being a negotiable instrument and legal tender. The document was also notarized. After waiting some time in the bank for a response from the legal department to my request for a mortgage through my promissory note, I was informed that they could not accept my promissory note because it was not a valid legal tender. I would like to have this matter investigated so that I may know the truth as to the validity of Bank of America 's claime. I look forward to hearing from you and thank you so much for your help.

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 2017-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: UT

Complaint narrative:
Consumer Finance : My name is XXXX XXXX. I am corresponding because I am dealing with identity theft, harassment, invasion, intrusion and abuse. 

In short, I have an account with Google and I use one of the products call Google Play. The account allows for me to make purchases. I can pay by credit card etc. I have receipts for dozens of purchases and hundreds of dollars. Yes, I have changed my passwords on different occasions.
Someone logged into my Google account, and specifically on the product Google Play and created a false radio station called, " Humble '' with specific music I did not pay for. 

The people who are stalking me are intentionally taunting me by violating my financial boundaries in my accounts and where I have made purchases. The stalkers have created diversions to stop me from day-to-day activities. This issue is about money, but is also race related in that they are doing this to taunt, bully and subject me to invasion of privacy and intrusion. The people who are logging in are framing me. 

If I have changed my passwords, what can be done to fix the issue with my account that I use for purchases? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
OnXX/XX/XXXX I settled my whole Dept with your company in the amount of {$300.00}. After reviewing my recent credit scores from Equifax, XXXX, and XXXX XXXX, I noticed that instead of you guys reporting it paid in full, you in fact sent them a notice that I OWED you {$300.00} This in turn has opened a new negative balance on all 3 reports showing that there was a new account opened. I have called each reporting agency and all told me I have to go threw you guys and in turn, I have attempted to resolved his numerous times with absolutely no resolve. I have reported your company to the Federal Trade commission and soon going to report you to the better business bureau and the CEO as well. In turn, if it 's not resolved asap I am going to take serious legal action against XXXX XXXX XXXX. I want this and any affiliation with your company removed immediately with all 3 agency 's. I have paid the debt in full and in turn I will not allow your company to keep any negative judgement on my reporting agency 's. Enclosed is both receipts explaining exactly what your company did. 
Above is This is the receipt that your company sent to the reporting agency 's which in turn allowed them to report that instead of paying you the {$300.00} in full, that I actually had a balance ... ... ..!!!!!!! 

This is the actual receipt that should have been reported and I demand that you take this very serious and report the correct receipt to all 3 agency 's and have XXXX XXXX  taken completely off all my reports. 

XXXX XXXX XXXX, eqifax, and XXXX XXXX have all reported this as not only a charge off but new late payments and derogatory marks on my credit reports. Please tell them all that thes are paid in full. I have no emails to these company 's to send them the paid in full receipt. I want all agency 's to remove all affiliations with this account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
My phone was stolen on the XX/XX/XXXX, so I also lost my XXXX XXXX XXXX. 
It seems that there is no human support for Coinbase and I was asked by a bot to verify my ID using my webcam - which I did. As I have moved countries, I get the following error message : ID does not match profile. 
Coinbase has no email support, no call centre and does not answer XXXX XXXX either. 
As far as I am concerned, this constitutes fraud - they have my money and I have no way of getting it back. My intention was to buy Bitcoin, but without access to my money I have now lost a potential {$2000.00} USD. 
Very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AR

Complaint narrative:
I have a collection on my report from a collection agency ( Professional Bureau Of Collections ). Opened XX/XX/XXXX last reported XX/XX/XXXX, {$3000.00}. I was never informed of my right to dispute. Please investigate this matter and remove this collection from my credit reports. Please verify if this agency has a license to collect in Arkansas. Their address is : XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNTRUST BANKS, INC.
State: DE

Complaint narrative:
I opened an auto loan on XX/XX/XXXXwith Suntrust bank for a XXXX XXXX XXXX XXXX The car was repossessed in early XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with Suntrust, XXXX, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and Suntrust, I 've been told that this negative information will show untilXX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.

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 2017-08-28 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: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid CitzensOne off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I opened an auto loan onXX/XX/XXXX with XXXX XXXX for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, Equifax, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my Equifax and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.

Company response to consumer: Closed with explanation