vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Upon reviewing my recent credit report, I noticed that I had several collection accounts outstanding with Navy Federal Credit Union. I 've contacted NFCU on 2 separate occasions trying to verify the accuracy of the information provided by them on my consumer credit reports as being owed by me. I have not received any response to my goodwill letters and no action has ben taken to resolve the issues. The first goodwill letter was sent out and received by NFCU on XX/XX/XXXX the second was sent out and received XX/XX/XXXX. Please see attached for account numbers and balances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: Early Warning Services, LLC
State: OR

Complaint narrative:
On or about XXXX/XXXX/2016 XXXX XXXX XXXX incorrectly reported me to Early Warning Systems that XXXX closed my checking account for cause. This is wrong. I closed the account due to lost checks. XXXX did not suffer any monetary losses. I demand that this be removed from my Early Warning report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX Bank of America levied a {$12.00} service fee that was immediately deducted. They did the same thing 2 months earlier. This is generated from transferring $ savings from a conumers checking to their savings account -- early. Normally this trasfer occurs on the last day of the month. They do this early a couple times out of the year to catch you without enough funds, and assess an automatic insuficient funds fee. Yet on all other inuficient amounts the consumer is allowed time to bring their account balance up - to avoid this neative result. In this case, however, the bank is purposely attempt to extract money from their clients to recoup loss of funds for free acounts, and thereby boost their profits. 
I believe this is violation of federal fair banking law, which no one is making these institutions answer for. In my case, for instance, theyve {$24.00} from me through the technique of catching me off guard. There are way over a million consumers with free accounts. Consequently this results in excess of 24 million dollars a year the financial institutions are raking in through unfair practices. I brought it to their attention, and they refused to refund my money.

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 2018-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MO

Complaint narrative:
I have a student loan which was supposedly bought by XXXX XXXX XXXX ( " XXXX '' ). XXXX uses the service provider American Education Services to collect payments and deal with my loan. I have contacted AES multiple times, over the phone and in writing, requesting documentation proving that XXXX owns my loan and I have not received any such documentation. 

AES will not allow me to speak with XXXX myself and says all communication must go through AES. They refuse to provide any documentation showing that XXXX actually owns this loan. I believe XXXX either does not own the loan or does not have any documentation regarding my loan. 

I would like help getting documentation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Account : XXXXXXXXXXXX Sent some Litecoin ( symbol LTC ) to XXXX. 

It was received by Coinbase. I got an email : " Valued XXXX client, Your Litecoin deposit of XXXX LTC (  worth {$13000.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team " Went to Coinbase acct - no Litecoin. Says it was transferred to XXXX. 

Go to XXXX account - the LTC is not there. When you go to Account / LTC Account / Transfers - it shows up as " Pending ''. 

And that 's it. For 6 days already. 

Tickets submitted. Case # s : XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Today there was a hard inquiry from chase credit card and I did not authorize this. I know i did not do this because I have a low credit score and its no way I can receive any credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is refusing to apply the federal disaster declaration to my home mortgage. They are also refusing to send me a complete break down of my Mortgage, I made a payment of {$1500.00} that they received and cashed on XX-XX-2017 to bring my HARP loan current. They are refusing to actually post the payment and are holding it in un-applied funds. I paid there late fee and they still refuse to post this so they can XXXX more interest and fees out of hard working american. as they have never answered any of my complaint to CFPB complaints made in XX/XX/XXXX, XX/XX/XXXX, XXXX 2017 as well as the one made two weeks ago. Other than to ask the CFPB for more time to respond. they are trying to blame investor which is total XXXX as I owe a small piece for these financial mortgage instrument and I have not been asked if I want to comply with the Hurricane IRMA Federal Disaster declaration.Had i been asked I would have said yes. These people are low life worthless pond XXXX and deserve to been fined the maximum the law allows. They refuse to call me on an unrecorded line even though i have rep [ eatedly advised them to call me from an unrecorded line. Any recording they might have of my voice were made without consent as Florida requires written consent

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 2018-01-02 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: LA

Complaint narrative:
I am so sick of these credit bureaus ... I am frustrated they constantly violate the credit laws XXXX consumers reports yet nothing happens.. Experian is the worst of them all I 've sent in several letters including. Fraud affidavit proving I had been a victim of identity theft ..they did n't investigate.. XXXX and Experian both allowed fraudulent accounts to continue on my credit profile, Experian allowed XXXX XXXX XXXX XXXX XXXX to report the same account twice using different account numbers for the same repo .. Both have different open dates on accounts, last active dates and tons of inaccurate illegal information to report according to the federal credit law all bureaus must report 100 % accurate information if the information is accurate should n't it all be reporting the same in everything? They let fraud account stay on without investigation all they do is replied verified if you both verified the same account information how come the information your both reporting is the same ..I really XXXX off and will be obtaining an attorney I have kept records of my letters to these two bureaus.Something needs to be done about these two bureaus constantly breaking the laws and not being held accountable for their actions while causing harm to consumers credit worthiness .. I 've included a list of not accurate information, fraud accounts, illegal reporting and it will show you exactly what I 'm saying I 'm tired of theses companies someone needs to put some actions on them they XXXX .They are supposed to deleted outdated information.they want even remove the fraudulent outdated addresses on my credit profile, the only address should be reported is XXXX XXXX XXXX XXXX XXXX XXXX la XXXX I 've been here 8 years all other addresses are outdated and I asked them to remove them .. some never belonged to 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 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have three gift cards were hacked on the 2nd day I bought them, two were recovered, this is the third one. I havent heard from them for a long time for this one, please help me get my money back, thank you. 
Date of purchase : XXXX/XXXX/XXXX Card # XXXX Fraud charges : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Pending {$190.00} XXXX XXXX XXXX # XXXX XXXX Pending {$0.00}

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 monetary relief
Consumer complaint received 2018-01-02 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: CA

Complaint narrative:
I have tried correcting information with two separate companies Experian and XXXX.

XXXX corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for Experian, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe Experian is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.

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 2018-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
cra and hippa violation inaccurate information sent the po report to them with the case number with XXXX XXXX  equifax and XXXX taking more than 30 days to resolve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
in XXXX on XXXX XXXX on the corner of XXXX XXXX i think, can i ask you something chase banks used too print a new febit card on the spot if i lost mine so past time they like corporate law what coroorate its a bank? so they give me an XXXX XXXX yr old atm card but thing is, if theur printers print atm cards i dont think they get as a bank its still my XXXX money and if im im a store long story short can yiu ask XXXX   do i not look cia.gov cause no i know im not a chase private client, its ok i am with XXXX. my email XXXX  is XXXXXXXXXXXX so ond my buddies had the samr situation and they printed him 2 new debit cards in two days both in XXXX. intelligence identification protection act. im gon na change banks obviousky but instead og printig me a new debit like withh my friend goes we sent iy on XX/XX/XXXX si w/the holidsys XXXX thd holidays guy said hd special XXXX it two days to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: LoanHero, Inc
State: AZ

Complaint narrative:
I recently joined with a student loan debt relief company named XXXX XXXX XXXX XXXX. this company made many promises about settling with XXXX who I got my college loans. They said they could get the loans dismissed or settle for a really low amount. So I signed with them and in return I would have to pay a retainer of XXXX dollars. I only agreed to join with this company if they could get my mom off of my loan as a cosigner first. The reason why is they wanted me to default on my student loans and pay the retainer fee. This would not only hurt my credit but my moms which I refused to do. They promised that they could get her off and payments to XXXX would not began until that happened. Little to say they lied. Payments began getting deducted from my bank account immediately and 7 months later still no cosigners off and no settlement of course. Now I am trying to get a refund and I am trying to cancel this relationship with the company. The company XXXX is making this process really hard. They have denied my refund and they keep putting through hoops to terminate this relationship. They are hard to reach and they keep giving me the run around. Their suggestion to me what to just continue the relationship since I have already paid XXXX dollars to them. Right now I have a lawyer looking into it because I feel I am being scammed. This really breaks my heart because I owe so much in student loans already this is the last thing I needed. I came to them for relief not more stress. If you could help me I would be appreciative. Also, the company that debits my accounts is n't even XXXX, they had me make payments to another company named Loan Hero. The only way loan hero will discontinue charging me and take the debt I owe off of my credit report is with a phone call from XXXX who is not cooperating. All the documents I signed with the companies were online. Everytinme I click to review the documents they have disappeared. Ive requested the contracts and XXXX says they sent them XXXX XXXX  but every time I call for the past two weeks they are like they are on their way and have no way of tracking them.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Mobile deposit for {$700.00} USD made on XXXX XXXX, XXXX and confirmed immediate access to full funds. On XXXX XXXX, XXXX, a hold was retroactively placed on my deposit and no one at Citibank can provide a reason for clawback of funds. 

Mobile deposits have never been held in the past.

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 2018-01-02 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: LA

Complaint narrative:
I am so sick of these credit bureaus ... I am frustrated they constantly violate the credit laws XXXX consumers reports yet nothing happens.. XXXX is the worst of them all I 've sent in several letters including. Fraud affidavit proving I had been a victim of identity theft ..they did n't investigate.. Transunion and XXXX both allowed fraudulent accounts to continue on my credit profile, XXXX allowed XXXX XXXX XXXX XXXX XXXX to report the same account twice using different account numbers for the same repo .. Both have different open dates on accounts, last active dates and tons of inaccurate illegal information to report according to the federal credit law all bureaus must report 100 % accurate information if the information is accurate should n't it all be reporting the same in everything? They let fraud account stay on without investigation all they do is replied verified if you both verified the same account information how come the information your both reporting is the same ..I really XXXX off and will be obtaining an attorney I have kept records of my letters to these two bureaus.Something needs to be done about these two bureaus constantly breaking the laws and not being held accountable for their actions while causing harm to consumers credit worthiness .. I 've included a list of not accurate information, fraud accounts, illegal reporting and it will show you exactly what I 'm saying I 'm tired of theses companies someone needs to put some actions on them they XXXX .They are supposed to deleted outdated information.they want even remove the fraudulent outdated addresses on my credit profile, the only address should be reported is XXXX XXXX XXXX XXXX XXXX XXXX la XXXX I 've been here 8 years all other addresses are outdated and I asked them to remove them .. some never belonged to 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 2018-01-02 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to dispute LVNV Funding LLC account number # XXXX on all 3 of my credit reports.. The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: CA

Complaint narrative:
EXPERIAN keeps on reporting this item as a charge off- I never applied or received any money on this account- XXXX XXXX and XXXX XXXX This account is a fraud account - i called the companys several times and I get the same respond that its mine - I do not have any record of these items on my behalf

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 2018-01-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX. I signed a reaffirmation that same month and the copies were sent to Wells Fargo Dealer Services. Wells Fargo requested the documents with the wet signatures from my attorney, XXXX XXXX. They were sent inXX/XX/XXXX and were received by Wells Fargo. My bankruptcy was discharged in XXXX XXXX and I began to check my credit report for accuracy. I disputed my Wells Fargo account because it showed that it was closed. I did this twice and both times, nothing was updated. I called Wells Fargo in XXXX and they informed me they never received the wet signatures, so the loan was included in the bankruptcy. I immediately contacted my attorney who did some research and according to XX/XX/XXXXthey did receive the wet signatures, but someone ( it 's not listed who ) determined the documents were not the originals and did not have the wet signatures. My attorney is requesting the documents be sent back to us to prove they are not wet signatures, but I am lodging this complaint as well as I believe my attorney did send the correct documents and we need to know who decided it that the docs were not originals. I pay on my car every month and I should have my credit report reflecting the information correctly.

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 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
no data for XXXX thru XXXX..What happen between XXXX and 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