vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to provide a detailed account of the events that have transpired between myself and Navy Federal Credit Union, which have led to the submission of this complaint. 

On XX/XX/2023, I entered into an agreement with Navy Federal Credit Union. As part of this agreement, I diligently fulfilled my contractual and fiduciary obligations, which included the discharge of debt and the transfer of the principal 's balance to the principal 's account. These actions were taken in accordance with the terms and conditions specified in our agreement. 

However, Navy Federal Credit Union has failed to honor the provisions and obligations outlined in our agreement, despite my full compliance. This breach of contract and failure to fulfill their obligations have resulted in significant financial and personal consequences for me. 

Based on my legal understanding and the events that have transpired, I believe that Navy Federal Credit Union is currently in violation of multiple federal laws, including but not limited to the Federal Reserve Act, Securities Act, Bills of Exchange Act, Equal Opportunity Act, Consumer Protection Act, and the Constitution. I contend that their non-compliance and disregard for our agreement may constitute actions such as extortion, securities fraud, trust fraud, interference with commerce, malpractice, breach of fiduciary duties, and breach of contract. 

In addition to addressing these violations and seeking resolution for the breach of contract, I have demanded that Navy Federal Credit Union provide me with a XXXX credit card with a credit limit of {$50000.00}, as originally requested. I believe that such a credit limit aligns with my financial needs and objectives. 

Furthermore, Navy Federal Credit Union has ignored my Notice of Suretyship, issued on XX/XX/2023, and my Durable Power of Attorney, dated XX/XX/2023, both of which were submitted in accordance with the terms of our agreement. This failure to acknowledge these legal documents further exacerbates the situation and highlights their disregard for their fiduciary responsibilities. 

Enclosed with this complaint are relevant documents, including our original agreement, correspondence, records of transactions, the Notice of Suretyship, and the Durable Power of Attorney, which serve as evidence of the events described. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these alleged violations. It is essential for Navy Federal Credit Union to be held accountable for their actions and to ensure compliance with federal laws designed to protect consumers like myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It started by not able to use XXXX, with my Chase bank account. I wrote to customer service. They responded by stating I tried to send myself money with XXXX. That is incorrect. 
Im or about XX/XX/2023 I went to a Chase bank and spoke to an officer. He called the main office. They told him the bank is deleting our banking relationship. He said they would not tell him, that I would get a letter in 10 days. And they would send me a check for my checking and savings account balances. 
I said I dont know why they are closing my account, but I need my money and should be able to get my money now. He said he couldnt do anything as my account was locked. 
As of this date I still have not received my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I have an agreement with the mortgage company to start payments in XXXX and credit score will not be affected. According to my Credit file/ report my credit score have dropped. This was not the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Today I called Capital One to file a dispute with two Charges from XXXX. The representative that I spoke was not paying attention being she had asked me if I discussed the charge with my husband and I said no there was no reason being he has his own XXXX account but that was not enough with her being she maybe he used it. I told her there no reason to discuss the dispute with him as he did not use my card being he does not have my card ( s ). The representative informed that she was going to send me a card and I said no but that did not stop from deactivating my card without telling me. I became very upset. I then spoke with her Supervisor XXXX who said he can not do anything being card was de-activated already. I then informed him that I want my card sent to me overnight and he said no problem. After he gave me my case number at my request he stated he can not send me a card and that I would have to speak with a Supervisor in the Specialist Dept. he did not know why he could send me a card. He informed me he was going to explain to the Supervisor the situation. I then spoke with XXXX whom started process to mail me card for which I explained that the Supervisor promised me my card would be sent over night. I was then told she can not send me my card over night but would speak with someone higher up. She came back on the phone to tell that she can not do anything that I would be receive my card 4-6 business days. I was very upset and I informed her that I would file a complaint with this agency. I want to this agency to investigate why my card was deactivated without my consent or knowledge and why did the Supervisor could not send me a new card and finally why he failed to inform XXXX to mail me my card over night. Please feel free to contact me via email if anyone has any questions. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have an Apple Card credit card from Goldman Sachs. I've had a {$0.00} balance for 9 months since XX/XX/2023. I want to close the account. They say the account is under review. They have been telling me this for the whole 9 months I've had a {$0.00} balance. They will not let me close the account while it is under review. They have not provided me any updates despite asking for one at least once every few weeks for the past 9 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a ticket from XXXX XXXX and they offered a {$200.00} statement credit if I applied for the AAdvantage Citi Mastercard. I applied and was told they would get back to me. I completed my purchase, using another card. Three weeks later Citi approved my application, with no additional questions or contact with me. I called to see how they would apply the statement credit and they said I would have to buy another ticket, with XXXX XXXX, using the Citi card. I explained again and was treated very aggressively. I called back two more times, without resolution. On the fourth call I was finally allowed to speak to a supervisor who said the same thing, but gave a {$50.00} credit for the rudeness of his staff. Please advocate, on my behalf, and force Citi to honor their own promotion. I bought the ticket and I have the credit card. I would not have applied except for the offer. There was no notification that a delayed approval would negate the promotion and no explanation for the delay in approving my credit card application ( I have great credit ). Thank you.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023 its been over 30 days. I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to Equifax, XXXX, and XXXX on XX/XX/2023 its been over 30 days. I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robinson & Hoover
State: AR

Complaint narrative:
I asked this company 3 times to provide me the information. I never received any information for a court date and now they have me owing them XXXX and this was never this companies debt. And is also over XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have told the bank over and ove again : Purchases are STILL being made by someone other than myself. There is NO ONE else who is supposed to be on thie card except for me. I am the only one on this card and yet someone is still charing it, even today. I have complainted about this over and over again and Chase still FAILS to address. They need to FIX THIS NOW!!!!! 

They SHARD my information with Chase XXXX XXXX with someone who has Chase XXXX XXXX, BUT I DON't! How did that happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
I attended XXXX XXXX XXXX XXXX in XXXX of XXXX. I was given an initial contract showing the program would cost no more than {$9000.00} once completed. I was assisted through the process of filling out my FAFSA and was qualified to receive Pell Grant and other student loans to pay for the program. In XXXX of XXXX  I had still never received my Pell Grant from the school and I also came to find a new contract in my student portal that was never signed by me and had increased the program price up to over {$15000.00}. I was in constant communication with XXXX XXXX ( head of their financial department ) and other administrators regarding the receipt of my Pell Grant that was months over due. In XXXX of XXXX I decided to exit the program and not allow the school to take out anymore student loans in my name. I still had not received my Pell Grant when I left, but I stayed in communication to ensure I received it. On my exit paperwork ( that I will include in my documents ) when I decided to withdraw from the program- I owed no further amount to XXXX XXXX, but they owed me {$3000.00} for my Pell Grant that I was told would be released to me. I continued correspondence with XXXX XXXX and finally received my Pell Grant from the school in the amount of {$3000.00} in XX/XX/XXXX. It was in XX/XX/XXXX that I was made aware that I had a collections account added to my credit report by Lockhart Morris & Montgomery for the amount of {$3000.00} dollars naming the original creditor as XXXX XXXX XXXX XXXX. 
There was never any arrangement or personal loan given to me by that institution. This representation on my credit is nothing short of fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
Capital Accounts began contacting me about the debt around XXXX of 2023 but could not answer any questions when asked. I asked for documentation from capital accounts and the original creditor, but it wasn't received. This medical debt was first acquired while I was under 18, and my parent accepted financial responsibility. We contacted XXXX XXXX for financial responsibility documentation, but they did not provide it and stated that we owed a different amount than what the Debt Collectors requested. We have had multiple phone conversations with debt collectors and original creditors, and both have failed to provide any documentation verifying the debt. The initial financial agreement was signed by my parent, accepting responsibility. My parents never received a bill, and XXXX XXXX never contacted us except for them attempting to sell us additional services. I mailed a letter to Capital Accounts on XX/XX/XXXX, requesting specific documentation to verify the debt, and they have failed to reply to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Flat Six Holdings Inc.
State: CA

Complaint narrative:
I had tried to create a {$400.00} loan online with Crestline Finance, but they wanted to charge me approximately {$38.00} to deposit the money into my account. Instead, I opted for a check pickup at XXXX XXXX  XXXX in XXXX. 

The XXXX XXXX XXXXXXXX store wanted to charge me approximately {$29.00} to cash the check. instead, I opted to deposit the check into my account. 

I had until the XXXX of XXXX to repay the loan. I was able to deposit the necessary funds into my account and have the bank send a check to Crestline finance to pay back the principal, interest, and the remaining account fee with an overpayment of {$3.00} Having paid off the loan, and still needing some more short term relief, I had tried to reloan another {$400.00}. instead of being able to reloan, I encounter some restriction stating " Awaiting Closeout Letter '' barring me from being able to reloan for a week. with the ruse that they had to wait for the check to clear. 

I believe that the real reason is because they had not made any of the usury fees to deposit/withdraw the cash, and they are punishing me for being to smartly maneuver the system in a cost effective manner. 

They offer a loan with a low interest rate, but they only way to receive and repay the funds is through these high costing methods. 

I see this as a thinly veiled attempt to be able to claim that they are not charging usury interest rates, by instead charging usury processing fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Neighborhoods United, LLC
State: OH

Complaint narrative:
In XXXX, we took out a HELOC interest only loan. In XXXX, we modified our mortgage through a government mortgage program which we were told included our HELOC and both loans were combined. We worked hard and paid off the mortgage and we have the deed clear and free. In XXXX ( 11 years later ) we received paperwork stating we were being sued from a company called XXXX XXXX XXXX XXXX XXXX stating we owed the HELOC plus XXXX  years of interest. We retained an attorney and the attorney stated that companies are holding onto loans for up 30 years later, finding loopholes, stating the date doesnt begin until the party is contacted. The XXXX XXXX XXXX, XXXX XXXX, initially ruled in our favor, and then changed his mind. Currently, we are appealing the decision, but I am hopeful your department can provide guidance on XXXX and time-barred mortgages. 

We are now seniors with limited income, and I read the Ohio law and I dont understand how companies can sue individuals on a time-barred loans in the state of Ohio. We need clarity and assistance from your department.

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 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
The following fraudulent entries appear on my ChexSystems report: 

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 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 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 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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX from XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692b acquisition of location information by debt collector
s.

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 2023-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PatientFi, Inc.
State: MI

Complaint narrative:
Firstly, I have received two letters from the CFPB stating that someone OTHER THAN ME appears to have submitted complaints in my name. 

NO ONE ELSE DID THIS! It was me, so please STOP deleting my cases! 

They are 100 % submitted by me, & only me. So PLEASE stop assuming it was someone else, & please address my complaints : I had 2 medical procedures. I originally got funding through Patient Fi, but after the procedures, & it appears my 2 loans may have now been transferred or sold to XXXX ( XXXX XXXX XXXX ) and then sold onto XXXX. My credit score was over 700, & I was given a 14.9 % interest rate!! I thought the highest legal interest rate in the U.S. was 10 %, before it starts getting into predatory levels. Not only is the interest rate very high on these 2 loans, but my account was sold from Patient Fi within the first month, AND it takes them over 30 days to reply to my email messages when I contact their customer service. I contacted then on XXXX XXXX, & didnt get a reply until XXXX XXXX. I have attached a copy of the email below. What can be done to help me alleviate this high interest rate? What are my rights? This complaint needs to be sent to PatientFi ( not XXXX ). Please note that XXXX has already been contacted, & they informed me that PatientFi needs to handle this compaint. ( COMPLAINT ID XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation