vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
On XX/XX/2019, I sent Navy Federal Credit Union ( NFCU ) a written request for debt validation under the authority of Fair Debt Collection Practices Act, 15 USC 1692g, in connection with a debt collection letter I received from NFCU on XX/XX/2019. Today, XX/XX/2019, I received a letter from NFCU dated : XX/XX/2019 that states that they have reported my account to the major credit bureaus, despite their failure to validate the debt, or prove their claim. I have attached the letters as part of this complaint. 

Possible Intent : NFCU did not respond in good faith when I disputed a {$2000.00} charge on my credit card in connection with services that were not provided as promised/agreed. After unsuccessful attempts to address the problem directly with them including documentation of violations of the Fair Credit Billing Act by them, I filed a complaint with the CFPB. Again, their responses were not in good faith. Ultimately, the CFPB added my complaint to its Consumer Protection Database, shared it with the Federal Trade Commission, who added my complaint to their database for state and federal law enforcement agencies. After that, the CFPB directed me to contact XXXX XXXX, a consumer-protection investigator in DC 's Attorney General 's Office. Mr. XXXX asked me to again try to resolve the issue directly with NFCU. I wrote them letters, but again they did not respond in good faith. Rather they continued to fabricate accounts. Mindful of my interactions with NFCU, I think that it is probable NFCU illegally reported their bill for the checking account to the major credit bureaus to continue their pattern of attacks against me. Perhaps they believe that by attacking my credit worthiness, and sullying my reputation, others businesses and organizations will likewise attack me, or cheat me in my interactions with them. They may hope that I will be bullied into silence for fear of attacks from them and/or their accomplices, so they can dually avoid accountability for defrauding me of my right to recover the {$2000.00} payment, as well as deprive me of my rights that exist to guarantee that no one can treat me this way. This is a statement of a hypothesis that I have confidence in. To the extent that it is reasonable, I will share the evidence of my claim as appropriate. NFCU likely knows that their actions are illegal. However, hopefully by sharing this information with them, they will cease and desist, rather than continue their pattern of criminal conduct and unethical dealings. I have attached the documents that prove my claim in connection with their recent actions. I can also make available the documents that relate to my previous complaint, as well as other evidence that record my interactions with NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I opened a XXXX XXXX XXXX credit card and made a large order. The order never arrived and I was supposed to be given a full refund of the amount on the card -- meaning I had XXXX balance on the card. The company never charged the initial amount back and listed it as delinquent. However the charges on the account were not mine -- I had in writing their agreement to charge back the full balance of the card. The card was closed without my permission and sold to a debt collection agency and is listed in collection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: TN

Complaint narrative:
I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on my credit after it was sold a transferred to a new entity. Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I was looking at my credit report via the CHASE app and it indicates 11 delinquencies. 

I would like a break down of the 11 delinquencies as all my credit card payments are automatically paid via my bank account which is why I am unclear. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have tried Several Times through the Credit Bureau 's as well as through several letters l have sent directly to Conns Appliances Inc/ Conn Credit Corp ( See Attachment ) to get Conns Appliances to send  me the Documents required by Law to share to be what they claim l owe, as they are under Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information , and for which are responsible to furnish  to me or else Delete that on my credit reports. 

I called the Customer Agents on the phone numbers on my reports and letters l have sent have not been responded to for over 30 plus days and they could not validate the referenced accounts and hence, how is this possible to be reported to the Credit Bureaus without documentation proof with my signatures and all related supporting signed details l am to be furnished with they have violated FCRA 623 ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER, They have been unable to perform a reasonable investigation, unable to locate the necessary documents to investigate my dispute ( s ) ; then are required by the FCRA to remove the negative information from my credit reports, which also include complete removal of the account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have an account with coinbase LLC to trade crypto currency, I deposited {$300.00} into my wallet on XX/XX/XXXX and waited until it showed a balance before trading. I made a trade then noticed on on XX/XX/XXXX that not only was the {$300.00} with drawn from bank account but an additional {$350.00} had been withdrawn. I then contacted bank and had a stop placed on my account and contacted coinbase who took a day to get back to me and they said I had not had a balance of {$300.00} and thats why they took money from my account, so in total {$650.00} were withdrawn. My bank put back the {$350.00} into my account and I thought all was well but coinbase then put the situation into an investigation and locked me out of my account and I am still locked out as of today, I have nearly a dozen emailssent with no resposne other then we'll get back to you. 
Also the investigation was closed on XX/XX/XXXX. Their phone systems now hangs up on me when I call, no operators or representatives are available to speak to, so I am stuck and real angry and frustrated with them, I just want to close account and withdraw my {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: SC

Complaint narrative:
My DOB is wrong on my Equifax credit report and multiple previous addresses are listed that I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company is called Portfolio Recovery and they have been calling me on multiple internet numbers after I block them. I have told them countless times to stop calling and they are not. They are harassing me and Im tired of it. They are calling me at XXXX and as late as XXXX or later and all hours of the day. This is not acceptable!!! 

They have called me at least 30-60 times within the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: MO

Complaint narrative:
These are the addresses listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 
( 1 ) XXXX XXXX CT XXXX, TX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 4 ) XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
This problem is with Ally Bank where XXXX XXXX has two accounts : Regular IRA and XXXX XXXX CD with XXXX balance. By now it has been three months since he asked to sell one fund ( XXXX ) and transfer cash to a XXXX IRA after paying 15 % federal taxes. Finally funds were sold but transfer to XXXX account that cash currently at {$28000.00} has not been done. XXXX receives request to send a signed from ) so called " Direct Conversion Request '' ) again and again and nothing happens. By now we are tired and need you help.

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 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
I have been banking with key bank for over two years now and have XXXX accounts and my XXXX account my direct deposit goes in there! over the last several months key bank has decided to charge me a XXXX Atm withdrawl fee every month for over {$20.00}! each month it differs! i have contacted them numerous times in regards to these fees and have got no responses back! i want to know what these fees are for! i use one atm and thats the one at my work because my cafe does not accept debit cards and its cash only! i do get charged a dollar every time i do use the atm so why am i getting charged twice for each withdraw? this should be illegal, this is my money not theres! im sick of these hidden charges! i also would like to know why key bank offers their new customers money to sign up for a account but in the meantime their loyal customers that have been banking with them for a long time only are get money taken from them!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When I tried applying for a credit card I was denied because of a fraud alert that was placed on my Equifax account. My banker found a number that I could call and talk to a person to see what the problem was. Fearing that I might be a victim of identity theft I called. ( XXXX XXXX ). I called and the person said that I need to send documents ( SSN, State ID, proof of an address ) to a location in Georgia. I did and got a letter back about a week and a half, stating that I did not have an account with Equifax or I have no credit history ( I do ). So I called the same number again asking for an explanation. The person stated that there was another name attached to the account and that I needed to send the documents again. I did so by Fax and mail. I have not received anything back from them in the past two weeks. So I called again and ask to speak to a supervisor. The person tried doing a search for the documents that I had sent in the previous three times but was unable to find them. They told me that would put my account under investigation and try to find out what happened to the documents and they asked if I could resend them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have made several attempts online to order my free annual credit report from Equifax. Each time I received an error that my identity could not be verified. I would call them and went through several discussions with the representative regarding my report, and my identity was verified correctly. This has occurred several times since XX/XX/2019. I made another attempt approximately 5 days ago and the representative again said that I needed to submit my request in writing although I had correctly answered all challenge questions. I indicated I would report Equifax to the Federal Trade Commission for refusal to send my report and that they had not corrected any issues that prevented me from receiving my free credit report. She asked me to hold and returned in a few minutes and said that she would send me a free copy of my credit report. I went back online to report an error and the system wouldn't work. I called and she said they were updating their system. This has occurred more than once. It finally worked after I told them again I would report them to the FTC. 
I also noticed on the Equifax report I finally received that my current and former residential addresses were reversed, although this was supposedly corrected in a previous phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: AES/PHEAA
State: NJ

Complaint narrative:
NOTE : THIS IS NOT A DUPLICATE DISPUTE>>>>>>>>>>>>>>>>>>>>>>>>>> This loan servicer made erroneous adjustments on my loans and is refusing to fix the problems after my numerous attempts to resolve. In XX/XX/2018 they made an error and converted the payment deferment status into a repayment status on my loan # XXXX. This made the payments became due immediately instead of due in 4 years after my child graduated. 
I never asked for these adjustments and I never signed a contract waiver agreement to make changes to the loan. Additionally by XX/XX/2018 on my other loan # XXXX that is in repayment status, they removed without prior warning the Direct Debit Auto Payment plan then removed the .25 % reduced interest and increased the rate to 7 % higher. 
Full disclosure, due unforeseen financial circumstances by XX/XX/2018, I filed a chapter XXXX reorganization petition however these loans are not included and I have been paying these loans on time as agreed. This is an unresolved petition and should have bearing for the adjustments that's being made on the loans of removing the payment deferment plan or removing the Direct Debit Auto payment plan ; on the contrary, these are the types of options that should remain to help. Lastly to add more injury, even though I pay on time they are reporting to credit agencies that the account is in an adverse default status. 
I am trying to honor my payments contract agreements however this loan servicer is making it very difficult by making unwarranted adjustments and false credit reports that's causing unnecessary problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I opened a save deposit box with an amout of {$1500.00}, during the following years I continue to visit to the Deposit box making cash deposits for saving purpose. Never did i withdraw any funds from this box. My last deposit was about 3 years in the total of {$5000.00} giving the total balance in my deposit box of {$30000.00}. 
On XX/XX/XXXX I visit my regular bank were my deposit box was located and found the bank was closed with no notification. I contact Bank of America customer service XXXX line to find out how I could track where abouts of my deposit box. They explained to me that I would have to go to a branch in XXXX to get assitance. 
I finally was abe to make it to the branch being with out transportation. When I arrived, I was told they had to request for my deposit box which was in another state. They also gave me a notery and a notice showing me that they had broke my lock and open my Save deposit box with out my permission. 
After waiting a over a month. I received a call informing me they had received my missing items from my deposit box. 
When I returned to the branch to retrieve my items, all they gave me was 3 small envelopes and onXXXX large envelope with nothing in it, and they charged me a fee for this service which I don't understand why and was not explained to me, but i did see the fee on my bank statement. 
This has affected me, I have been depressed, stessed, and unable to sleep worried to what happen to my hard earn money. Worried about how a bank could let this happened. Me being my age I can't afford to start all over again. My husband is terminal ill and its difficult to financially support him and myself with only one income. 
think they did this because I am not able to properly read or communicated it english. 
Please help 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 monetary relief
Consumer complaint received 2019-07-10 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I went to a used car dealership on XX/XX/2019 at XXXX XXXX XXXX in XXXX XXXX to test out a XXXX on their lot. Met the salesman, test drove it and I loved it. After three hours of negotiating a contract I was able to get the deal and price I wanted. I signed numerous papers and was told my car would be ready in two days so they could detail it. 

Two days later I get a call from the manager telling me the car has numerous leaks and they wont sell it to me now, and that its being put up for auction. I told him my family member is a mechanic and Id like to have him look at it, knowing this already seemed fishy. He told me no and that their reputation stands by it. He said I can look at other cars on the lot and get one of those, I told him no, the Jeep was what I wanted and came for and that they should honor my contract or terminate it. 

He terminated it. Found out he sold the XXXX to another person. Now, I have all these inquiries on my credit report that I can't get a loan approved for it. Many of these inquiries I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Innovis
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.

Company response to consumer: Closed with explanation