vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: MD

Complaint narrative:
I am writing to request assistance in an unresolved matter with the Navy Federal Credit Union ( NFCU ), XXXX. XXXX XXXX, XXXX, VA XXXX regarding a fraudulent transaction. On XX/XX/2019, the enclosed check was deposited in my sons account in the amount of {$900.00}. NFCU was notified us that the check was deposited via mobile app ; my son does not do online banking, let alone mobile, and he reported the transactions as fraud. 

During this transaction, {$900.00} deposited and {$200.00} was withdrawn on the account which in turn the account was overdrawn and my checking account was debited {$210.00} for insufficient funds in that savings account. I do not believe that a thorough investigation could be completed in 1 day and it appears that NFCU automatically believe that my son made the fraudulent transaction. 

In reviewing the enclosed check ; his account number, nor is that his handwriting ( signature ) does not appear on the check, only the bank routing number, a phone number with an area code ( XXXX ), his phone number is a ( XXXX ) area code. Ive also tried to locate the persons to whom the check belongs to. 

I opened this account when he was a child, making me a custodial account holder ; when my son reached legal age, he was the primary owner, I never signed any documents to be a joint owner, in which NFCU claimed that I was a joint owner on the account. If I was a joint owner, there has been several occasions when I made inquiries into the savings account, but was told I was not the owner, and need primary owners permission, but Im being held responsible for fraudulent transaction on this account. 

I am asking for your assistance in getting a resolution in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have business debt of about {$8000.00} to Wells Fargo. The business card account number is XXXX. Its for a XXXX XXXX that is now dissolved. It is about three months overdue and headed towards claims. I have an agent for the account. XXXX XXXX ( XXXX XXXX XXXX ext. XXXX ). It took me a great deal of time just to get a hold of this person. He wouldnt answer my calls and refuses to email. He hasnt been at all motivated to get my account settle and has largely ignored my calls. Here is a link to my XXXX XXXX containing nearly all of my outgoing calls to him/Wells Fargo about this account ( XXXX XXXX XXXX ). There is some serious neglect here. 

This agent is very dirty. I dont feel that I can trust him. I dont know how much of this debt Im truly response for because it was a XXXX XXXX, and I do not know what an honest amount to settle for is. Would it be possible for you, or someone else to work as a mediator between the two of us? Im will to sign whatever is necessary to do so. I have already sent the individual paperwork of my financial situation. 

Looking forward to hearing from you soon! 

Very respectfully, 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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: MA

Complaint narrative:
On the Credit Karma website it shows that I have 6 hard inquiries with XXXX. I am angry that Credit Karma enticed me into applying for many credit cards. They say that checking my credit score wont hurt my score but then I was given many credit cards to  apply for. I had no idea that by applying ( on CK website ) for the credit cards on their website ( and now I realize the were just advertisements ). I am angry that this information wasnt available. At the time I applied for many credit cards thinking it wouldnt hurt to see if I qualified. But it did hurt my XXXX score. I feel that I was tricked into applying ( for the advertisements on the Credit Karma website I am asking that all hard inquiries be removed from XXXX because I was tricked into applying on Credit Karma many times for many credit card offers, thinking that I would have no impact on my credit score. Ive noticed that Credit Karma has more information that is more clear about what thing effect a persons credit score. The information was NOT clearly visible and that is why I have many hard inquiries,, because that information was NOT clear t the time I applied to their advertisements for credit cards. Again Im asking hat all hard inquiries be removed from both XXXX and XXXX & all scoring agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I checked my checking account with Chase bank and there is still a {$61.00} overdraft fee or bank error fees on my account that hasn't been credited back to my account. 
I have a XXXX Checking account with no maintenance fees or any other fees. 
I am XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plusfour sent me an itemized invoice for XXXX rental. XX/XX/XXXX -XX/XX/XXXX I was in XXXX Virginia attending XXXX University . 

Nonetheless, please delete this from my credit report ASAP and cease all collection attempts. 

Please see attached - FTC ID THEFT AFFADAVIT - LOCAL POLICE REPORT ( case # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
On XX/XX//19 I sent a letter to Ad Astra Recovery requesting validation ( Tracking number XXXX XXXX XXXX XXXX XXXX - USPS ) of the debt they are trying to collect ( account number XXXX ). 

I received a letter from then stating the debt is consistent with the information they received from their client. 
Attached was a contract that did NOT have my signature and only my name typed. 
This is not proper validation according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received voicemails almost daily in regards to my federal student loan. All unidentifiable calls to my phone goes unanswered so a voicemail is left. The voicemail is always a female with different names and the script is always the same with a callback and reference number. The callback number is XXXX. XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have two credit cards with Capital One, a VISA and a MC.

One card has a balance and the other has a {$0.00} balance.

I paid about {$790.00} on the card with a balance, then thinking I had not paid the monthly payment I went to my bank web bill pay site and paid {$1900.00} on my Capital One account, but it was the wrong card.

When I realized I had a credit of {$1900.00} on the card with a {$0.00} balance, I asked for and was told I would receive a check in 7-10 business days.

When the check did not arrive I contacted them again and was told I had to wait an entire billing cycle before they would issues a check which should arrive 7-10 business days after that. 

XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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: CARD Corporation
State: IL

Complaint narrative:
Hello, I got a visa prepaid car with XXXX a few months back. Out of the blue they close my account which I don't really care. But when I ask for a refund for the remaining balance they started blackmailing me into showing them various documents in order to get a refund. Then I started posting negative review on line when I saw other consumers complains about the same thing. Specifically when a merchant issues a refund they use it to lie about suspicious activity and then steal consumers money. 
So it is their ongoing fraudulent practice which of course is illegal. Can you please assist me with this? Is not so much about the money as to why should they be allowed to steal and blackmail consumers in this manner. Also they are not a legitimate business and they commiting fraud so of course they are not trustworthy to be shown any document or info about me because their purpose is not legit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Account Number with XXXX XXXX XXXX / Capio # XXXX XXXX XXXX XXXX/ Capio XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX This company States they purchased a Collection from XXXX XXXX XXXX in XX/XX/2019. With out proper review by XXXX XXXX XXXX or XXXX  they allowed this illegal collection agency to put a collection on my credit report. witch has damaged my credit, my credit score and my credit line. due to this illegal action that was taken by 1 XXXX XXXX XXXX for selling a paid illegal incorrect fraudulent bill. and illegally providing my social security number without my consent. 

2 XXXX XXXX XXXX / Capio for damaging my credit by not 1st review an original bill from XXXX XXXX XXXX. 

3. XXXX  4 XXXX  5 XXXX All for allowing this illegal collection to be put on my report. 
I have requested multiple times over the phone for XXXX XXXX XXXX  / Capio to provide me with an original bill. they send me a bill from there office.

Although this illegal and damaging collection has been removed from all three credit reporting agencies. My master card credit card had a credit line of {$8000.00} for the past 3 or 4 years. in XXXX i made a large payment of {$2600.00} and my available line did not change because there was no illegal Collection reporting on my account at the time. 
The damage has been done. I am a single low income mother, the {$5900.00} dollars I paid towards my master card Credit card bill was in good faith as with all my credit cards I hope to be debt free one day. I have never paid late on any credit card or any account with in my credit report. my credit is everything to me as i have hopes to buy a home one day. I needed the extra money to buy my daughters school uniforms and supplies. I also was going to celebrate her XXXX birthday with the money i paid towards the credit card and was unable to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
When I am 15 days late on a payment I am charged a late fee. When I log into my account and pay the late fee I thought it was being paid. The late fee payment that I made was not credited to the late payment, this happened numerous times. I only find out when Ally sent a letter in the mail that the fee wasn't applied and was still being reported late, over 30 days. I have to physically call Ally and complain numerous times. When I call they tell me they will fix it so I thought that they did. Now I am being told by a mortgage company that it is still showing over 30 days late numerous times. Please see the attached file.

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 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland funding garnishment debt collection out employment income without authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
My FICO score drop to XXXX from XXXX suddenly on XXXX and when I search for " WHY '' i got notify from the bank to go for a credit report at XXXX which I did got the report. Per report- a Debt collection account opened on XXXX with a balance amount of {$170.00} which I didn't aware of that. I contacted with them and got replied- they sentmailed me and also call my cell-phone number but none of the calls or even letter I didn't received from them not even any debt related noticed. I moved from my old address to the new address on XXXX. I did the address change at USPS at the same time when I already moved and I received all my mailed that delivered to the old address and still continuing receiving but again- I didn't received any mail or noticed related with Debt collection. However, when I verified my address with the collection department they have my current address. 

NOTE : I didn't received any prior noticed or calls regarding this issue and my credit score drop due to collection department Debt procedure which damaged my credit history as well as to purchase my new vehicle and also to purchase some home appliance stuff. 

I would like to request to pay attention to this matter and help me to resolve this issue as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to Experian, XXXX  and XXXX  disputing XXXX XXXX  on my credit report. XXXX and XXXX removed the account because they were unable to validate the debt. Experian continued to report it. 

XX/XX/XXXX I sent a letter to Experian requesting them to provide me with the method of verification for the XXXX XXXX account. I also sent a letter to XXXX XXXX requesting validation of the account. XXXX was not able to provide me with the proper documentation according to the law. Experian never provided me with the method of verification they used for the account. because it cant be validated.

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 2019-03-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. My payment date was changed with XXXX in XX/XX/2016, but Equifax never updated the payment date on their side to reflect the new payment date. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I went to my local BankofAmerica branch ( on XXXX XXXX, corner of XXXX and XXXX XXXX ) to pay my normal BofA Credit Card bill. And as usual their service at this particular branch was nothing less than atrocious. Then on XX/XX/XXXX I received an email questionnaire from BofA asking me how my experience at BofA was. So quite frankly, I told them they should get out of the Branch Banking business because on ANY day, they have ONE person working their counter and working the drive-thru and the WAIT each day is a joke. So they asked me multiple questions on how my experience was and I very bluntly told them. 
Then on XX/XX/XXXX I received an email from Bank of America telling me my credit line had been reduced from {$20000.00} to {$500.00} because of a BAD Credit Score. I then received a letter in mail detailing exactly their comments sent via email. 
Now here is the ironic part. I have had this BofA credit card since XXXX and for the entire year of XXXX, I pay my Balance monthly, XXXX carryover, and I have maintained that relationship in almost identical terms since XXXX ( paying off balance ). Yet BofA went to the 'incredible conclusion ' that my credit score made me a Credit Risk. I was a Bad Customer! 
The part of this explanation which is almost laughable is that I have {$130000.00} in credit lines at XXXX XXXX ( and of yes, Bank of America wanted to know if I had a checking account with them -- which again is incredibly laughable -- considering their Customer Service is so Poor ). 
I now understand why the House Financial Services Committee has barbequed XXXX XXXX as of late. Bank of America should receive the same Scrutiny when you treat 'CUSTOMERS ' such as I with exactly the same disdain. And I would like to repeat, they have been making Money off of my use of their card since XXXX with ZERO interruptions because of use. Not me making money off them. They making it off of me. 
I hope the CFPB will look into this matter. They are a Public company, not Private!

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 2019-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I switched from XXXX to FedLoans in XX/XX/XXXX. I was told to make regular payments during the transition to avoid any delay in payment. During that time I was put on an administrative forbearance that spanned two payment cycles ( XX/XX/XXXX-XX/XX/XXXX, XXXX ). This was a forbearance that I was not made aware of until XX/XX/XXXX when I realized my PSLF qualifying payment count was wrong and that I was in pay ahead status. In the past, when I needed to go on forbearance ( with XXXX ) I was given paperwork stating I was in forbearance, but I never received such paperwork from FedLoans. I called FedLoans multiple times and spoke to multiple managers regarding this. They offered to shorted my administrative forbearance in order to make my XX/XX/XXXX payment would count. I received multiple letters stating my administrative forbearance period was changed. 

My questions are : If my administrative forbearance was shortened, why did my XX/XX/XXXX payment not count towards my total qualifying payments? If this was not the proper solution to my issue, why did a FedLoans Manager offer to do such and state that this should fix the problem? 
Why was I put on an administrative forbearance but told to make payments during that time? Why did FedLoans collect over {$6000.00} in capitalized interest on a forbearance that I did not want? Why do I not have paperwork agreeing to this forbearance or stating the forbearance period ( prior to XX/XX/XXXX )? 
Why arent borrowers informed that any payment made during a forbearance period would not count towards your qualifying payments in PSLF? If they are informed of this ; was this a policy that was in place in XX/XX/XXXX ( when I was put in forbearance )? 

Thank you.

Company response to consumer: Closed with non-monetary relief