vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ashwood Financial Inc
State: GA

Complaint narrative:
Repeatedly called on my cellphone stating I owe on a credit card with XXXX. Informed associate I have never done business with XXXX and was then informed the debt belonged to another name. The other name happens to be my sister whom also has never done business with XXXX.

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX 's website to freeze credit does not have a button for placing freeze but only have buttons for lifting freeze. See attached file. The same is true for Experian. I believe they deliberately make the freeze very difficult for consumer to use.

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 — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am Power of Attorney for a Navy Federal Credit Union member who has been denied access to a savings and checking account. Navy Federal has rejected their own POA form completed per their request stating it does not comply with the state of Maryland statues. A second form was completed as directed by Navy Federal POA department which has also been rejected. The POA suggest that the agent goes to court and file for guardianship which is unnecessary. The principle has decided on the POA agent, signed the POA form and had it notarized and witnessed. The principle has been locked out of the account and can make no transactions. 

Navy Federal offered a settlement to pay off a previous debt on another account, but once the debt was satisfied the account was not placed back in good standing with a positive balance, but reflects a negative balance greater than 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 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I signed up for free credit reporting on XX/XX/2019 on the Transunion.ca website. I accidentally made two accounts because there website shows that my account was unsuccessfully made. In both accounts, I added my credit card information. A day after the creation of the account, I received two bills that are pending on my credit card, which are both {$19.00}. I tried calling them to cancel my account but I could not get a hold of them. Additionally, at the creation of my accounts, they are supposed to send me an email confirming the creation but they never did.

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
My wife and I tried many times but Experian credit freeze website always return " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered ''. We also called Experian 's freeze phone number but there are dozens of documents we are asked to mail to Experian : Experian simply do not want to freeze people 's credit.

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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've spent the last 2 months trying to fix the issues on my credit report due to identity theft issues. Transunion has failed to help in the matter. I have 99 credit inquires that is very disturbing when I contact transition they will not investigate it and say that inquires are factual data. They have given my credit report out without permissible purpose. I have even placed extended Identity fraud alert on my credit report to make sure that my credit is not viewed without my permission first. Transunion has constantly allowed my credit to be viewed. I even tried to dispute these credit inquiries online and they have blocked me from doing so. If you look at the attachments I have given you will see that it don't allow me to start a new investigation within transition dispute portal. Also I have included an attachment to show there is an fraud alert on my credit that Transunion is not adhering to. The only inquires I had authorized was the 4 last mortgage applications.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have tried to reach out to Santander Consumer many times regarding their willful negligence in violation with FDCPA AND FCRA and the loan they have failed to respond in compliance with the Fair Credit Reporting act and the FDCPA. 

The laws of the state of California and UCC 9.601- 9.607, 9.609 9.611-613,  9.615, 9.623, 9.627 ( b ) along with California Motor Vehicle Installment  Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. I must be permitted a certain time to cure and or redeem which is not available if the proper notices are not submitted. 

Satander Consumer USA never provided copies of the legal notices sent to me along with proof that the resale of the vehicle was completed in a commercially reasonable manner as required by law, in addition to a detailed and itemized calculation of the balance they claimed was due. 

Also, in accordance with the California Department of Revenue Repossession Title Requirements I NEVER received : 1. Copies of the written notice SANTANDER CONSUMER provided to all lienholders by first class mail of the intent to file for a repo title and 2. A copy of CALIFORNIA form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lien-holder. 
The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle and I did not receive this from Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
This is an old cell phone bill originally by XXXX, that occurred in XX/XX/2012 while I was in high school working a part-time job. I paid on it until my temporary job ended and it took awhile to get another part-time job. Due to limited income I was not able to continue to pay and XXXX turned the unpaid bill over to a collection company. This is now affecting my credit score and now affecting my ability to get a good job with a federal agency. I am willing to settle the account but I would like proof of the contract which I am not getting.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
A transaction in the amount of {$58.00} to XXXX XXXX goes thru every XX/XX/XXXX or XX/XX/XXXX month. First time I noticed back in XX/XX/XXXX or XX/XX/2018. I called my bank and let them knew the transactions were not authorized by me. Not only I wanted to dispute the transactions but I also wishes to stop these going forward. I never heard back from my bank afterward and I assumed it was taken care of. 
Recently I saw the transaction again, I called telephone banking, after being transferred to 4 different customer service rep, I was told that the transactions were not stopped because the previous case was denied due to out of 30 days time limit that I had to report any unauthorized transactions and the bank is unable to make stop payment just using the name and the amount. They need more information. Unless I change my account number, these transactions will continue to go thru and they are unable to do anything about it. Rep name 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 2019-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
All three 3 credit shows activity that's what was not me nor do I recognize all activity

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
Red Rock Financial Services at XXXX XXXX XXXX  XXXX XXXX, filed a Lien on my residence and would not provide a reason or any information for this grave legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
This is second time I have used your consumer portal to address this matter. The first time the debt was with a collection agency for the name of XXXX and I had it removed due to identity theft. Now almost a year later the debt has resurfaced with a new collection agency by the name of Amsher Collections. This account is apparently not mines and I wish to have it removed due to this inaccurate information.

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 — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today I want to dispute one fee with JPMorgan Chase Bank. 

When I log in to my checking account in JPMorgan Chase Bank, it was overdrawn. I have transferred {$120.00} to cover it. However, when I check my account today, they charged a fee, it was called INSUFFICIENT FUNDS, and it costs {$34.00}. 

But the important is, I did transfer enough money from another bank via XXXX with XXXX after I realized. 

According to the rules in Chase.com : https : //www.chase.com/personal/checking/overdraft-services/standard-overdraft-practice > You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. If you deposit a check, this assumes we do not place a hold and the check is not returned. Here are the cutoff times for some ways of making a deposit or transferring funds from another Chase account : > At a branch before it closes > At an ATM or when using the Transfer Money option on chase.com or Chase Mobile or using Chase QuickPay with XXXX before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ) Then I found the transferring transaction was done at XXXX XXXX Pacific Time, which is XXXX XXXX Eastern Time. It's based on the email and transaction detail. 

According to the rules about XXXX with XXXX on their website : https : //www.chase.com/personal/quickpay > If your recipients bank is a XXXX member and supports real-time payments, the money will usually be available a few minutes after you send it. If your recipients bank doesnt support real-time payments, the money should be available in 1 to 2 business days. 

Which means when I requested the transferring, it already credited to my account before XXXX XXXX Eastern Time ( XXXX XXXX Pacific Time ). Because XXXX XXXX supports real-time payments. 

If the money credited to my account in next day, which means it is not caused by me. They said it was credited to my account at XXXX XXXX  in next day. This is ridiculous. 

After I called their customer services, even transferred to the manager, they still did not give any resolution. 

XXXX XXXX delayed the transferring credited on purpose, just make sure they can have a reason to charge me an insufficient fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Michael & Associates, PC
State: CA

Complaint narrative:
I reported this to the FTC and to the Police. This debt was a result of FRAUD and identity theft. This company continues to harass me.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Michael & Associates, PC
State: CA

Complaint narrative:
This company ( Michael and Associates, PC ), They continue to harass me about an alleged debt that was a result of fraud and identity theft. I gave them a copy of a police report as well as a notarized and sworn statement. They still are attempting to file false claims after they got everything that they needed from me. This is illegal and against the FCRA and also the truth in lending act. They need to be stopped.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX  ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 )  XXXX XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXXl ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX )

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX  ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX XXXX  ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: KEYCORP
State: WA

Complaint narrative:
I went into the key bank in XXXX XXXX washington to cash a check then I was told there was a hold on my check, with they usually dont do since i never had a bad check or history of any bad checks since I started over a year ago with them. When I was told about the hold I asked to go elsewhere or work with another banker the banker then told me " I will not let them over ride my decision '' and continued to deposit my check anyway. Without permission and he continued to argue with me even after the other bankers said I usually get my checks cashed. I really do not tolarate discrimination of any kind and I feel as if he was being very rude and profiling me because I am young.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My home is currently in the foreclosure process. We went through mediation and I was offered a trial modification, I made all of the payments on time and continued making payments after the initial trial period. I was told I would receive a package in the mail when I successfully completed the trial payment plan but never told when to expect it only that it would arrive at some point after the 3 months were successfully completed and that I should continue making payments in the interim. I received the package late since the delivery service did not put it in my mail slot, it was mixed up with a neighbor 's mail. When I finally did receive it, a month later, I returned the completed documents within 24 hours. My modification was rejected stating they hadn't received my completed package. I appealed and was rejected now citing completely different reasons for the rejection. They claimed my income could not support the mortgage payments however I had been making the payments under the trial plan as agreed and continued doing so after the initial trial period. My income had in fact increased by 30 % from when I initially purchased the home. One of the contributing factors behind me falling behind on my payments was that they increased my payments by {$300.00} per month without any notice and when I called to see why my payments were increased they were unable to provide any reasoning. I am a single parent of XXXX so this created an undue hardship in conjunction with other unforeseen circumstances. I am able to pay my mortgage and would like to continue doing so but they seem intent on foreclosure.

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: Experian Information Solutions 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: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX holds the former VA Land Contract   on a home I have owned for 20 years. I am XXXX years old and now want to part with this property. I have had it up for sale for a few months and now have a CASH offer which would not only pay off my loan but provide some extra cash for my wife and myself during our retirement. When I went to get a payoff the company had the WRONG address as being the property under loan. Then when we went to close, they said it would take 2-3 weeks to provide a deed even after the payoff was received. They have literally just about lost this sale for us and I am extremely upset as I have been paying this company 7.5 % on this loan for years. What can I do?

Company response to consumer: Closed with explanation