vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX  {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.

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 2019-02-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted my disputes along with the proper supporting documentation from the Federal Trade Commission to XXXX  XXXX XXXX to have the account XXXX XXXX XXXX XXXX  and 6 Public Records of bankruptcies removed from my credit profile. The account XXXX XXXX was removed from my credit profile on XX/XX/XXXX. and without my knowledge all of a sudden a false dispute was fraudently opened up in my name and reappeared on my credit file on XX/XX/XXXX. The 6 Public records of bankruptcy was removed on XX/XX/XXXX and was placed back on my credit profile on XX/XX/XXXX after receiving the requested information that was given to them.

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 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
Zwicker & Associates did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. 

They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. 

I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. 

They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. 

I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
This company AFNI is putting a collection account on my credit report for a debt that is not mine. They listed the debt for 2017 from XXXX XXXX however I have not used their services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Filed a case on XXXX, XXXX about fraudulent debit card activity after finding out that my debit card had been compromised and someone had withdrew {$900.00} from my checking account and {$1900.00} from my savings account in a Bank of America branch in XXXX LA . The withdrawals happened at around XXXX XXXX on XXXX and the moment I woke up and got a notification of the withdrawals via a survey from a video teller named " XXXX '' ( I was in XXXX XXXX at the time and the email survey was sent at XXXX ) I immediately told Bank of America that this was NOT an authorized transaction, but the amounts posted and I therefore filed my case. Since then, Bank of America has done everything imaginable to avoid giving me back my stolen funds. After filing my case, I waited a month before filing a CFPB complaint in which that was the only time they touched my case, to which they denied it just a few days later saying that " because your pin was used, it was an authorized transaction ''. When I asked for photos or videos of the transaction as proof it wasn't me, they told me that they can only give it to law enforcement or a lawyer. I then proceeded to file a reconsideration case and a police report for the fraud on XX/XX/XXXX, to which a police investigator was assigned to the case and requested the bank photos/video on XX/XX/XXXX, to which until this day ( XX/XX/XXXX ) they have STILL not released the photos to my POLICE investigator regarding a POLICE crime case. They then closed my reconsideration on XX/XX/XXXX without notifying me because " I did not provide any more evidence '' even though I called Bank of America and provided them with the police case number on XX/XX/XXXX which was the following Monday. Because they closed my reconsideration ( with failure to notify me ) I  called and the man I talked to opened another reconsideration case for me. Since then I have talked to multiple people of Bank of America asking about the photos/video requested by my investigator and all of them have given me the excuse that " it is out of their jurisdiction and we do not have direct contact with our security division, therefore I can not address your concerns of the photos/video not being provided ''. Bank of America has done everything in their power to avoid investigating my stolen funds.

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 2019-02-22 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: LEXISNEXIS
State: FL

Complaint narrative:
Lexisexis has quoted information to an auto insurance company that is false showing another 's persons name on my records and accidents that were in cars I never owned Also, they have credit reports that have another persons name, inquorate information on the report. 50 % false information from fraudulent files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Direct deposit is not pending in account and funds are not available. Can not get a answer from NFCU as to why my direct deposit was not processed and made available to me as today XX/XX/19 is my company pay day. Verified with employer that direct deposit was sent to bank and I have copy of check stub. I have bills setup on auto payment due to come out today and this will cause me to incur overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
I have navy federal credit union and my direct deposit is not yet available as it should be. I tried calling them and was hung up on after being on hold for about an hour. They have not disclosed any info on their website as to why they are having issues. I need my funds to be available so I can pay my bills today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/19. Pending paycheck was there the day before and today its not being deposited. They said on the phone sometime soon. Thats unacceptable. My funds were pending. This is the second time in 64 days. Navy Federal CU isnt holding up their end of the deal and releasing pending funds. In my case its from my private sector paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Direct deposit of both my private employer payroll and my federal deposit were lost entirely this morning ( XX/XX/XXXX ) despite showing as scheduled transactions yesterday ( XX/XX/XXXX ). While I am aware of an alleged technical malfunction causing widespread deposit delays, this was only mentioned in XXXX commentary made by Navy Federal Credit Union. No formal statement was issued on any platform. The customer service number they tell you to call is not working. Any form of contact to verify the issues and find out a timeline for resolution are met with a blanket statement telling members to call the malfunctioning customer service number. Further inquiries are then ignored entirely. This is grossly unacceptable - especially when dealing with hundreds of thousands of federal employees financial livelihoods. Further, this is not the first such service and funds accessibility delay in the last 3 months. These issues need to be effectively and permanently resolved and NFCU needs to be transparent with their members about access to our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/19. I should have had a direct deposit from XXXX, my paycheck as a civilian XXXX employee. Last night, the transaction was showing as pending ( which is normal for a Thursday night ), and this morning, it is showing as neither pending nor deposited. Not only am I unable to access funds, but the customer service phone line is not working. I learned through social media that Navy Federal knows there are problems with deposits, blame it on tax returns incoming, and have not given even a ballpark timeframe of when it will be fixed. I understand that things sometimes happen, but this is the second time recently, and the company is unwilling to speak to customers about it. I assume other banks are also being hit by tax returns, but only me and other coworkers banking with Navy Federal have had problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a XXXX XXXX with a paycheck that was disbursed by the XXXX  ( XXXX ) for deposit today, XX/XX/2019. 

The deposit is not reflected in my account. 

Attempts to contact NFCU are futile. Their phone lines are completely down. I cant get any information about why my paycheck that was disbursed is not available to me in my account. This is my paycheck not NFCUs to do with as they pleased. 

I have no over due payments and am not overdrawn. They simply have not posted my pay to me and will not tell me why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/19 I sent out a validation dispute to EXPERIAN, XXXX  XXXX XXXX for a collection account from XXXX DEPARTMENT XXXX XXXX XXXX. XXXX XXXX XXXX  EACH HAVE INVESTIGATED THIS ACCOUNT & REMOVED IT. EXPERIAN sent me a letter refusing to investigate this account AGAIN, unless i sent them further information to warrant the re-investigation for VALIDATION of this account. The only problem is I NEVER SENT OUT A PREVIOUS VALIDATION REQUEST!!! There was only XXXX validation request & that was on XX/XX/19. Therefore I am not understanding why they would not INVESTIGATE ( XXXX XXXX FED XXXX XXXX XXXX account. 

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 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is Several different ways that I am listed on all three credit Bureau. I would like this corrected. So to clarify my name, it should be XXXX XXXX XXXX DOB XX/XX/XXXX and address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am recently divorced and my maiden name has been granted back to me in my divorce decree. If the other personal info can be removed. This would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I bank with NFCU Navy Federal credit Union Today Is payday Friday XX/XX/19 my checks normally deposit at XXXX every Friday .. Today I have not seen my check .. navy federal claims the money has deposited its just cant be seen ( Via XXXX ) .. Which I feel is unprofessional this problem shouldve been posted on there website to inform everyone who banks with them.. I have bills to pay today which are now late and I have late fees.. navy federal did not handle this in a professional 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 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Ok so this morning i was set to receive two deposits one is from my job and the other is my tax refund. I call the customer service line to the line just to ringing with no answer or to be disconnected. I have bills due on every pay that i can not pay and incur late fees due to my funds not Being available like they are supposed to be. Its starting become a major headache wit navy Federal. They arent giving their members a head up or nothing out the outage. And keep replying with a scripted reply. These incidents are happening quite to often and Im sick of it now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I went to school and thought i was only borrowing what i needed and each time they mailed an check and said you borrowed extra and would not allow it to be returned as it was actually a grant that i would not owe for in the end, then i needed up owing XXXX for a degree, then they said oh do not worry do the IBR and it will reduce the debt and payments and 5 years and XXXX in payments later i now owe more ( XXXX ) they are total thieves and liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 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 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/19, Navy Federal Credit Union did not post direct deposit checks from neither irs tax refunds or payroll checks. there was never an email a text message or any kind of informational sent out directly to customers. Only those with a XXXX  account knew about it because they were responding to peoples questions about it. They have turned their phone lines off and even on XXXX the only answers given were we are working to fix it, no explanation or anything. There are people that have automatic bill payments set up because we are encouraged to do so by these institutions and then when we do so the money isnt there. Things like this causes overdraft fees, late payment fees, insufficient funds fees and could also begin to affect credit because some of the payments are for important things like mortgages and car loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I disputed Portfolio Recovery Associates, LLC account on all 3 of my credit reports in XX/XX/XXXX. I received a letter dated XX/XX/XXXX, which did not validate the alleged debt. ( Letter enclosed ) I sent another request for validation by certified mail on XX/XX/XXXX. Prior to XX/XX/XXXX, I did not receive a dunning letter as required by law. I was not given notice before/after of negative information being reported to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have 3 returned check fees reflecting on my account. Also my direct deposit didnt post in my Navy Federal Credit Union checking account. This is unacceptable and sets me back on all of the bills I planned to take care of today.

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