vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Earlier this year Navy Federal credit union did an unauthorized transfer from my checking account to an installment loan without notifying me. This resulted in checks that I previously written being returned for non-sufficient funds. Navy Federal then charged me a NSF returned check fee, when the reason there was not sufficient money available and the returned was because they took it upon themselves to make an unauthorized transfer out of my checking account without notifying me. Then Later they completed another unauthorized transfer from my checking account to a revolving line of credit as a payment. I did not authorize this transfer either and was again not notified. That and that unauthorized transfer over-drafted my checking account. Most recently Navy Federal yet again did an authorized advance from my line of credit to my checking account to cover the overdraft that they caused In the first place, and the bogus fees that also were a result of their bad business practices of transferring money between customers accounts without notification or authorization. The unauthorized draft that they did from my line of credit account put my line of credit over its credit limit of 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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
I have had problems of utility bills, inquiries on my credit report, data breaches, and unknown account placed on my report. I recently pull my report to find to unknown accounts in my name. I was denied a car loan and funding for a mortgage loan. I have called, and they said this debt belongs to me. I don't have a written contract or written permission from me to run my credit or a legal signed valid contract with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
My husband and I co-signed four student loans with my granddaughter to Sallie Mae, now Navient, in the amount of {$17000.00} with an initial 6 percent interest when my granddaughter began college as an XXXX year old. Now due to multiple interest increases by Sallie Mae and Navient this {$17000.00} loan is now {$32000.00}. Sallie Mae, now Navient have been harassing my daughter, my granddaughter and me for multiple years. They have not worked with us in the repayment of this loan, rather, the interest rises and rises. We need relief. My niece is now in her XXXX  and a XXXX XXXX. Other loans throughout her college years, in addition to this one to Sallie Mae and Navient now over {$60000.00} due to multiple and unfair interest increases. I am XXXX  years of age and my husband is deceased. Navient refused to consolidate the loans after multiple requests. These loans will never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My Name is XXXX XXXX XXXX and I'm the daughter of XXXX and XXXX XXXX. In the XX/XX/XXXX my family bought their first home with the home loan coming from Bank of America. Fast forward to the XX/XX/XXXX my Father XXXX XXXX was XXXX and tried in a XXXX XXXX and later XXXX to XXXX XXXX for a XXXX XXXX XXXX. My mother since has suffered two minor XXXX XXXX, diagnosed with XXXX XXXXXXXX XXXX, and has had XXXX XXXX placed into the XXXX of her XXXX and placed on XXXX XXXX unfortunately unable to work. I submitted a hard ship letter to Bank of America as well as worked on behalf of my parents for the last 4 years with XXXX submitting documents. Documents including paycheck stubs, Tax Forms, Budget forms, as well as entering into a re-modification program. We were indeed approved for the re-modification loan. We were approved for a trial mortgage and began moving forward. During the duration of the trial period all accounts of required funds were met and on time via cashiers check through the U.S. postal service. The last requirement needed from us was the signature of my father to reinstate the mortgage permanently. My father did not sign the documents but my mother was able to sign the last document. The bank told me moving forward not to send any more money and that the process would not move forward. the sale date of my family 's home is a week away. I am able to pay the mortgage and save it from foreclosure since working tirelessly through this re-modification process and for the past 4 years. from the age of XXXX. I writing this complaint as my last front for assistance and guidance in this matter. 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 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
As of Wednesday XX/XX/2018, JP Morgan Chase has closed all of my credit cards. This is the 3rd time this has happened and for no reason. I have never missed a payment and always paid my bill way ahead of the statement. My credit is 100 % perfect in payment history and always have had a healthy usage. I am a XXXX year old managing my credit to the best of my ability and have not done anything wrong. I am utterly confused as to why Chase is targeting me. They claim they tried to call me, but I have not received any phone calls since the previous complaint. I would love to speak to someone on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: KY

Complaint narrative:
I started XXXX College of XXXX in XX/XX/XXXX and XXXX   XX/XX/XXXX For an XXXX XXXX I'm repaying over {$50000.00}. I believe I was charged way to much for this type of degree. I can't afford the IBR, they are asking for and i have been locked in under XXXX XXXX for 25 plus years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
Unknown company, unknown debt. They claim I owe them through another company. I don't have a signed contract with this company, They have no authorization to run my credit. Never received any proof of a signed contract between me and this company

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 2018-10-04 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This XXXX XXXX has called me at least twice - the last time at XXXX XXXX. on XX/XX/2018 and leaves a message that says " get a paper and pen to write down this code ''. And then repeats it several times. Today, XX/XX/XXXX, I called the XXXX and asked about their calls. I told them that I don't have a XX/XX/XXXX and they asked if I had a XXXX XXXX, XXXX XXXX or XXXX card. I told him that i have a XXXX card and he assured me that was why they were calling. He wanted the credit card number and when I won't give it to him, he asked for my social security number and I also WOULD NOT give it to him and hung up. I then called XXXX with the number on the back of my XXXX card, and they said that they would make a note of my call and they were glad that I didn't give them any information. I assume that it was a scam.

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 2018-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
Midwest Recovery has reported to my Credit that I owe them XXXX from some place called XXXX  XXXX XXXX. This is not my debt and Midwest Recovery has not even contacted me they just placed on credit. This is the third time this company has done this and the other two were removed because they knew they were scamming me. This XXXX needs to stop with Midwest. They are THIEFS. And by the way online payday loans are illegal in NC. So how would I do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Payments Check Services, Inc.
State: NJ

Complaint narrative:
global check services used an invalid account # in XXXX on the XXXX online gaming site I nerver heard of them and they charged me fee 's three of them XXXX on XX/XX/2018 XXXX on XX/XX/2018 ,XXXX on XX/XX/2018 i had money in my account to cover the charges I RECEIVED three letters in XXXX tried to pay what i owe they charged off the account it affected my credit history they say tried contact me by phone they did not send me any more corespondence in XXXX a XXXXXXXX XXXX XXXXXXXX XXXX XXXX contacted me say i owe them XXXX i thought that may be a scam they called me XX/XX/2018 they offered me to pay XXXX i say no called them back an told them to send me a validation notice they said no agree to pay XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was a victim of a fake Cashiers Check scam. My bank ( Fifth Third ) failed to identify a fraudulent cashiers check I was given by a potential car buyer from craigslist. I cashed the check and recevied {$2400.00}. I started sending money back to the buyer when the sale fell through and sent {$700.00} to his " moving company '' ( XXXX to XXXX transfer XXXX to XXXX XXXX XXXX in XXXX georgia ) and I sent {$900.00} via XXXX to his XXXX XXXX  XXXX account assocaited with his email ( XXXX, routing # XXXX, account # XXXX ). Yesterday the check was flagged as a fruad and {$2400.00} was taken out of my Fifth Third account, leaving me out XXXX to this scammer. I talked to representatives of both Fifth Third ( my bank ) and XXXX  XXXX XXXX ( the scammers bank ) but I have been unable to get any money back from being defrauded and neither has been able to help me report this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AES/PHEAA
State: IA

Complaint narrative:
I applied for a IDR with XXXX XXXX over 3 months ago and on XX/XX/XXXX XXXX XXXX sent me a message saying that my score dropped 98 points due to late payments with them. I immediately contacted XXXX and they said that I didn't answer question 12 correct. I said that I had taxable income and I don't because I have not worked for 2 years. I thought child support counted as taxable income, but they never notified me that it was wrong. I am now in a 30 day forberence and I have refilled out the paperwork and sent it out yesterday. I am trying to move and need a XXXX credit score to do this. Help me please! XXXX had me on paperless billing and I only asked for actual paperwork in the mail. I am a visual person and I need to read things. I never received anything about this incorrect paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX I went to the emergency room for an XXXX that I had on my XXXX due to XXXX. When I received the bill a few weeks later I mailed them a {$10.00} check, and was never contacted after that. I was never sent another bill or called for the remaining balance, and had honestly forgotten about the bill completely. I am now ready to purchase my first home, and I went to check my credit score online to get an idea of where I stand. I noticed I had an open collections account with the amount of {$310.00} with XXXX XXXX XXXX that I was never made aware of, and the account had been open since XX/XX/XXXX. I attempted to email the company in regards to the account where they state they will respond in 1-2 business days, but I never heard back from them. I called them today on XX/XX/XXXX and found out it was from the XXXX XXXX XXXX  visit that I had in XX/XX/XXXX.  This has drastically affected my credit score to the point of possibly not being able to purchase a home. If I had known about the bill I would have paid it years ago, but I was never contacted by the original collector or the current collector about the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid 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: OH

Complaint narrative:
On XX/XX/XXXX I called in to Citi bank credit card customer service. I wanted to inquire about doing a credit line increase on my credit card. I ask specifically if I wanted to do this first if there was a hard inquire or soft. I was told it would be a soft inquire. 2nd I asked if this is something that I need to call in to have done or can I do online. I was told on line or calling in. I choose to go online and it told me that there would be no hard inquire pulled I went ahead and input my information and then I was told on the next screen that I would be notified of the decision. I later that day received an email saying it was approved. Now today XX/XX/XXXX I am getting alert stating that my XXXX  credit report was hit with a hard inquire from CB. I called to asked about this and was passed from person to person and then told that the inquire must have been a mistake and it would be stuck on 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 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: ID

Complaint narrative:
I have been a customer of Navy Federal Credit Union for 6 years. They continue to take advantage of veterans using unfair business practices and misleading information. 

I did a lot of research for getting a debt consolidation loan and collected my balances, income information, and various other documents in order to apply. 

When I applied online, I was not given the option to even provide this documentation and was automatically denied by their automated system. Usually with banks they will at least evaluate the situation in order to find the best solution. Instead I was just treated not like a person at all. 

After contacting the bank they refused to work with me, or hear my case out. 

I've had several issues with Navy Federal over the past 6 years and feel like they take advantage of veterans by advertising they specially cater to them when in reality they don't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I cant talk to Capital One on XX/XX/XXXX pertaining to my payment on XX/XX/XXXX theyre saying that my payment was returned to see if that the funds from my bank that is incorrect because number one when they got authorization on XX/XX/XXXX they received authorization code I spoke to a young lady and I asked her I said well you are processed my payment did you were did you not receive authorization code she said yes so she proceeded to go on she know what she was talking about so I asked her to give me till supervisor so when I asked him I said well you are processed my payment on the XXXX did you or did you not receive authorization code he told me that they did not receive authorization code so I asked him who was XXXX him a XXXX he was very rude very nasty and told me they were talking to him anymore I can hang up the phone I would just try to rectify So at this point I want to have a siccation shell be done and I want all phone calls to be poured that took place on today and XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp
State: OK

Complaint narrative:
I have been paying my federal student loans to a company I thought was helping me with student loan forgiveness. I was told if I made these XXXX monthly payments until the amount was paid, then my debt would be forgiven. I thought this was the same company as XXXX XXXX XXXX company, but when I called to confirm they said they never received my payments. I have been paying to the equit. service company since XX/XX/15 so over 3 years now. I spoke with a rep from XXXX XXXX and that's when she mentioned I was being scammed and that I needed to file a complaint to the state attorney and the federal government. This whole time, I thought I was paying towards my student loans and I was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX, XXXX @ XXXX XXXX legitimate business to check your credit .credit is not bring reviewed by a prospective lender .laon application number XXXX XXXX And XXXX declined by XXXX XXXX XXXX XXXX XXXX XXXX decision XXXX decision experian bankruptcy applicant XXXX approved credit investigation medical records {$26000.00} no treatment five hospitals district of columbia

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 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently received Experian credit report. The report indicates that I have a debt in collections. However, I have no knowledge about this debt nor do I know the name of the collection agency.

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 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
I applied for conventional loan with pinnacle bank they closed the rate at 4.375 on XX/XX/XXXX, and I  provided them with all paperwork till before closing date with 5 days before it was on XX/XX/XXXX they told me there is something changed when I met them they told me new rules will control your loan ( XXXX ) they said you will be refused from the conventional loan by the underwriter but we can give you in-house loan with rate 5 after buying another point.so I bought a point and the rate is 5 I had to do that because they twisted my arm and put me in a corner I am losing much money after the change the deal.the price of the house XXXX I paid 20 % percent my native language is XXXX, my closing date was on XX/XX/XXXX I have all paperwork to a proof my complaint. Thanks My phone number 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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: SC

Complaint narrative:
This company has a charge on my credit and it is wrong! they are stopping me from being able to lease another apartment and causing lots of stress.I tried to dispute because the online information said ask for proof and corection they continue to not do this! 1 they had mold and everyone had no choice but to move and would not have any fees but im sooo confused also on my credit report its not even reported like accurate???

The balance is wrong ..The high credit??? im confused and dates of acivity is all wrong .. this account has no reason to be reporting on my credit report regardless ... They make these crazy attempt to always say accurate how and can never send proof of all thAT HAS been asked for this is illegal and im just in shock that its allowed ..Every credit report they report something differnt so how in heaven name can it all be accurate????????????

Company response to consumer: Closed with explanation