vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Decieved by the one I loved and Trusted. 
Property owner since XXXX all updated ( {$55000.00} ), savings aprx {$15000.00} ; working ; Retirement, Stocks purchased XXXX ; vehicle ; no mortgages or loans. Married XXXX adding spouse to all. Became XXXX XXXX. Spouse handled took over all, including handing me an allowance. Spouse informed me stocks we're ate up in the system. I talked to bank to get info and was there was response from them. Now divorced XX/XX/XXXX. 6 months ago doing a transaction over due by exspouse I mentioned to the Financial Advisor about the stocks. He told me my exspouse had them in his personal account! There were more than these stocks that we're joint I have no access to. And recently found W2 a Severance pay from XXXX my employer. I never knew about. 
Discovered was 3 mortgages. I knew of only 1, but signature is on all. There is no account of what he did with this money. It was not used towards the property. I have found at least 5 revolving credit accounts that had contained my name ( bank would not cooperate ) and removed during separation. His personal broker works in the same bank as the Financial Advisor I Spoke with just a 6 months ago. ( He seemed very upset with this Broker ) I did find IRA 's, Retirement Funds, 401K 's, Stocks, Annuities and etc. 
I do not know the extent of all he has done other than abuse. All I had through my employer was used during marriage. 
He received all property and I received 15 % not counting what he has not shown at this bank/banks. I am XXXX, XXXX. At no time were my XXXX were ever mentioned due to neglegence. 
Please advise.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XXXX XXXX like most customers of Navy Federal Credit Union, the deposit of my paycheck with direct deposit was not available for some unknown reason. While Navy Fed worked to fix the issue, they stated on their official XXXX account that the money was posted but was not showing up, quite frankly we were told that we have invisible money. All the while automatic Bill pay, which they push for people to sign up for, was being declined or over drafted. It has been 8hrs since I should have received my direct deposit and I, like everyone else, work hard for the money we have earned. In doing so I should not be nervous about a glitch or something that is going to prevent me from paying my bills on time and then have to suffer overdraft fees due to a problem not of my own doing.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX OF XXXX XXXX ; XXXX OF ED/NAVIENT XXXX ; XXXX XXXX XXXX OF XXXX XXXX ; XXXX OF ED/NAVIENT XXXX ; DEPT OF ED/NAVIENT XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
As of today Friday XX/XX/2019 I still have not recieved my diect deposit with Navy Federal, there was no notice sent out to members only a message on social media. Last week, I also tried to reach out to Navy federal in reference to an issue on my account and there banking systems were down for several hours causing me to miss an important flight. Last but not least, I filed a dispsute for a merchant that charged me on the wrong day and I was given provisional credit along which was fine 2 months later the dispute was reversed and when I had no money navy federal took the money out. I have provided documents that state that the merchant did that in error and I still have not recieved my money back.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union not letting me acces my funds when I get paid direct deposit and its not letting me see nor touch my money because of problems they are having its shut down

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

Complaint narrative:
I bank with Navy Federal and my payroll direct deposit has not shown up in my account this morning. It has been reported that there are others experiencing the same issue. My wife actually had the same issue happen to her with Navy Federal a month or two ago. Navy federal has released a statement this morning saying that the funds are there but that we just can not see the deposits. That is not true ; the funds are not available. Their contact phone number is not working currently.

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

Complaint narrative:
Navy Federal Credit Union : Direct deposits were not posted and bank is not providing much information. This is the second time in 3 months that they held my money hostage. First time was 5 days before XXXX of XXXX and now XX/XX/XXXX! I have bills to pay and food to buy for my home and am unable to because the deposits were not posted to my account.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My home has passed the 80 % loan to value mark and I want the PMI payments to be removed from my mortgage with Wells Fargo. I called the lender and they gave me the run around. There is no reason for me to pay an additional {$220.00} a month on my mortgage. A full 25 % additional each month. I have 6 years of onetime payments. I want this PMI removed and not by going through a refinance. Please 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 explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Deposit not posted,24/7 phones not working, returned item fees charged, delayed communication from financial institute, communication received is sketchy at best

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I have already submitted multiple complaints about our problems with Citizen 's Bank but the bank 's answers are fraudulent and now in retaliation they increased the rate to 4.75 % without any notification at the time when the rates are falling and the Federal Reserve stopped to increase interest rates. Citizen 's bank made that increase in retaliation for our two latest complaints # # XXXX and XXXX. Their mathematical mistakes continues including computation of the total amount of payment made towards the reduction of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My deposit was scheduled for today at XXXX and hits my account every other Friday. Navy Federal Credit Union said there was a mix-up and funds should be available but they aren't. They cut their phones off and made a XXXX to let customers know of the issue. Over {$1000.00} was supposed to be deposited and did 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 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union apparently is having issues posting ANY deposits. 
I have direct deposit, my paycheck has not been posted to my account. It was due to post at XXXX. 
Instead of the company talking to customers, they disabled the phones and the online banking. 
UNACCEPTABLE!!!!!

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 paid
Company: USI Solutions Inc.
State: NJ

Complaint narrative:
Debt ( from around XXXX ) was settled on XX/XX/XXXX. I was contacted via mail in XX/XX/XXXX about this debt. This company, USI Solutions claimed they would sue me unless I could provide evidence of settlement. I emailed original settlement offer, with notes / payment confirmation code, as the original debt collector refused numerous requests to send me a satisfaction of debt / settlement letter. USI is still calling me and harassing me about a debt from 20 years ago that was settled 12 years ago. Most recently today, XX/XX/XXXX, at XXXX XXXX I recieved another phone call, but refused to even discuss the matter and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX2019-My paycheck did not show up in my account this morning. I am missing roughly 1,000 dollars. Tried contacting the bank, no help. Tried to call, phone lines were busy. The bank would not communicate with us about our paychecks. 
Also, it took about 20 minutes to get connected to the mobile app.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: 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: FL

Complaint narrative:
Equifax is completely disfunctional. I am not able to get my 'free ' annual credit report online. I can not check the status of a credit freeze on their website. 
On XXXX XXXX, 2019, I tried to get my free annual credit report from Equifax online. After providing all of the necessary information, I received a message that credit reports are not available online, and that I would need to print, fill-out, and mail an 'Annual Credit Report Request Form '. The form requires my SS number, DOB, full name and address, and directs me to send all of this vital information through the US Mail to an address labeled : Annual Credit Report Request Service! 
How insane is that? 
I am on a secure website which will not allow me to get my annual credit report, but I can send all of my information through the mail with a big red flag on it that says 'please steal my identity '? 
Equifax is a terrible company that puts every roadblock imaginable in front of the consumer. 
XXXX and XXXX are near-perfect. It is a startling contrast. 
Please, please force Equifax to either provide the services that they are required to provide to the consumer, or make them leave the market.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I filed a fraud claim with Suntrust Sunday on XX/XX/XXXX for a XXXX transfer I had initiated using the Suntrust app but suspected was fraudulent. Since the amount of the transfer was above the daily limit, the app gave a message that it would not be processed immediately. The recipient also informed me that they had not received the money, so I called Suntrust and asked them to put a stop on the payment which is how the claim was opened. 

On XX/XX/XXXX Suntrust issued a temporary credit for {$1500.00} to my account. 

On XX/XX/XXXX I received the email from Suntrust copied below stating that the transfer had not reached the destination and that the XXXX service had been cancelled on my account. 

On XX/XX/XXXX I received a call from Ms. XXXX XXXX from the Fraud department. I forwarded her the email I received on XX/XX/XXXX to her after answering a few questions about the claim. On XX/XX/XXXX I received an email saying that the claim was being denied and the {$1500.00} was going to be taken from my account on XX/XX/XXXX. 

Today I have spent 3 hours on the phone with both the Customer Service and Fraud department ( note that XXXX XXXX has not returned my calls ) trying to figure out where the money from the XXXX transaction that, per their email to me did not reach its destination is, was and when it would be returned to me. Not a single person could tell me where the money is. The only answer I got was that the claim had been denied. 

Email : SunTrust Bank XXXX logo Dear XXXX, We couldn't complete your payment to Key Key ( XXXX ). This money won't reach its destination. 

As a security precaution, we have suspended your XXXX account. This means you can't send or receive money with XXXX. Contact us at XXXX or XXXX to resolve the problem. 

Payment Details Confirmation Number : XXXX Amount {$1500.00} From SunTrust Bank, Checking, XXXX  To Key Key ( XXXX ) We apologize for any inconvenience this may have caused you. 

Sincerely, Customer Service This email was sent to 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 — Account status incorrect
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Radius Global Solutions is refusing to remove a delinquency from my account even thought the balance was paid directly to whom it was owed months ago. I have completed two disputes but they refuse to admit that the balance is paid. I have contacted the original company to whom the debt was owed and they say that they have informed Radius that the balance was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has had at least two dates in the recent past where direct deposits have not been properly posted, leaving members with little to no funds on dates that should have had a deposit. The dates that I know of are XX/XX/XXXX and XX/XX/XXXX. The credit union fails to issue any type of warning such as an email, message on their website, or banner in their app until many hours after customers have noticed the missed deposits, causing significant stress to members. NFCU 's phones always go down because of the issues, so members are left without funds and unaware of the problem until the credit union issues a notification hours later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refused to honor my request to place a security freeze on your personal credit report based on the information you entered. I entered everything they asked for. I think they are purposely being difficult so I'll buy their monitoring product.

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: FL

Complaint narrative:
XX/XX/2019 a hard inquiry was done without my authorization. The company shows up as XXXX/ XXXX  . It happened in XXXX, Florida. I saw this on the report provided by transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kelsting Group, Inc.
State: FL

Complaint narrative:
I have a medical charge from a Doctor ( XXXX XXXX ) in XXXX that billed me for services over 6 months after the date of service due to a negligent accounting error on his part ( date of service was XX/XX/XXXX bill received in XX/XX/XXXX ). I had relocated jobs at the time I received the bill from this doctor and my previous job 's employee insurance wouldn't cover this charge because the bill was sent over 6 months after the date of service. I tried to resolve this issue directly with the Doctor after I had moved to XXXX XXXX, This doctor then sent the bill to collections ( XXXX XXXX XXXX ) and I didn't receive notice of this in XXXX XXXX until the fall of XXXX. After disputing these charges I still paid the entire balance of {$1300.00} just to get this bill out of collections in XX/XX/XXXX. XXXX XXXX XXXX is still reporting to the credit bureaus that I have an outstanding balance of {$150.00}. I have not heard anything from this collection company since XX/XX/XXXX and want to know why they are still reporting a negative account on my credit. Also I believe the company submitting charges to me that I consider fraudulent on the part of the negligence of this Doctor 's accounting errors in the beginning.

Company response to consumer: Closed with non-monetary relief