vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have been a Navy Federal Credit Union member since I opened my first account in XXXX. The account was a checking account ending in XXXX. My spouse at the time was added as a joint owner. In XXXX we were divorced and he was removed from my account. I provided NFCU with the divorce agreement. A few months later money was taken out of my account using an ATM by my ex spouse. I went into NFCU and informed them of the withdrawal and they apologized and said it was an error but I was out the money. I did provide a copy of our divorce agreement again. As a result I opened another checking account and sparingly use the XXXX account and keep a minimal amount of money in it. 

On XX/XX/XXXX I was online and viewing my accounts and noticed XXXX was transferred to a credit card from my account ending in XXXX. I contacted NFCU about this and was told the money was transferred to my ex spouse - XXXX XXXX XXXX to his credit card to pay his minimum payment. I requested more information about this and was sent a document that listed all withdrawals from my account that went to XXXX XXXX XXXX XXXX credit card account with NFCU from XXXX totalling XXXX. I didnt notice these withdrawals sooner as I did not receive paper statements and when I would check online I did not see any suspicious withdrawals until XX/XX/XXXX. Money has not been taken out monthly or consistently, only when he did not make his minimum payment. as I mentioned I used this account sparingly, it was not my main account. 

I did request from NFCU to be reimbursed for the money taken from my account and they said it was not their error but mine for not addressing this sooner. So I asked for the XXXX taken on XX/XX/XXXX as I reported this to NFCU on XX/XX/XXXX but was told all they could do was to stop any further withdrawals. I have since closed this account. I was assured in XXXX after money was taken out of my account without my authorization this would not happen again. 

I was told the money taken out to cover the minimum NFCU credit card payment was set up in XXXX. I did not receive any documents showing the withdrawals prior to XX/XX/XXXX. I am not able to see this online. I did request more information about this situation and specifically have asked to be sent a copy of the document that I authorized money to be taken from my account to cover my ex spouses NFCU credit card. I have not received that document or any information as to how this was established. 

What I want : for NFCU to return to me all monies that was taken from my account and transferred to XXXX XXXX XXXX 's NFCU credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 notice was sent to Online Information Services to cease and desist reporting a fraudulent account on my consumer profile. Since that date, they have continued to call and harass me as well as continue to report on my consumer profile. They have provided no contract between myself and their company. They have not provided any proof that I have cause their company financial harm or loss in anyway. This company is attempting to commit fraud and other people should know about their illegal and harmful business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NJ

Complaint narrative:
I have a problem with acima credit since they are reporting an account to my credit report is fraudulent since someone stole my information and opened that account already with this is the 3rd claim and they asked me for a police report here I send it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Got a letter form mr cooper claiming that. they will no longer contact cause they were notified RECENTLY to cease and desist even though they have been told this many many times over and that is why i get sparse call from them not leaving messages or leaving four second blank messages EVER SINCE then they send the bogus letter like they finally were told PREPOSTEROUS!!!!! they don't honor their word cause i got another call from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
this company called me out of the blue and said i owed wells fargo {$490.00} from 2016. 

I am not aware of this debt nor has it ever appeared on my credit report. 

they say i have 48 hours to pay or they will take me to court and i'll have to pay thousands of dollars. 

they say they are XXXX XXXX 

they also send me an email which says it is from XXXX XXXX XXXX XXXX and came from the email address XXXX Phone : XXXX fax : XXXX when i googled them, only scams come up and neither XXXX nor XXXX XXXX appear anywhere else. 

they have my full social security number and name and address. they also provided me a wells fargo account number that i've never had and an email address i've never had. 

they refused to provide an address for their company and they couldn't provide a validation notice because they said they are a mediation firm and after 48 hours it would go to legal proceedings. 

i contacted wells fargo and they do not know anything about this. 

i'm concerned that they have my ssn. 

if it is real, i'll pay it, but they can't prove it is real and i don't know what to do as i don't want to owe thousands more as they threatened if i don't pay by tomorrow.

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 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In late XXXX of this year, I made an in person purchase at a retail store in California. I note that I'm in California because we have strict consumer protection laws. Including that should a merchant limit returns to less than 7 days, that their return policy must be on signs posted at the entrance and every cash register ( California Civil Code section 1723 ). Should they not post those signs I'm entitled to a full refund within 30 days. This store 's return policy was items must be returned within 5 days for store credit only. They did and do not have those signs posted and refused to accept my return ( which was approximately 2 days after I had made the purchase ). So I disputed the charge with my bank and informed them of exactly this. They have sided with the merchant who has violated state law and denied my claim.

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 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: CT

Complaint narrative:
Hello, I am an unsatisfied customer who I applied for a refinance loan in XX/XX/2021. All went well and I was approved until XX/XX/2021 when the loan officer XXXX XXXX called me in regards to my credit report where another report showed on my credit report in which I was paying and I told her that. I had already been approved by XXXX XXXX, Production Manager for the loan. Not understanding the problem since my credit score is almost XXXX but actually my biggest complaint is that I never heard from the company again in regards to being approved or denied. This is no way to handle customers and I am very upset with this result. I plan on reporting this to the XXXX XXXX to let other people who apply at this financial company how they take care of their customers. Not good customer service. I could have at least received a phone call or a letter in regards to my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SY has put a collection of {$12000.00} on my credit report on XX/XX/2018. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
NOTE : I previously submitted CFPB complaint # XXXX on XX/XX/2021. The Company, apparently in error, has responded to that complaint on XX/XX/2021 with the *exact* same response letter that they used to close a different case ( # XXXX ) on XX/XX/2021, even though the issues I raised on XX/XX/XXXX are completely different, and that letter is therefore in no way responsive to them. In fact, the very name of the document used to close both cases is the same, XXXX, XXXX XXXX XXXX XXXX. 

I must assume this was in error by Chase and not an intentional attempt to avoid responding to the CFPB complaint, and am therefore re-submitting the original detailed complaint below. 

I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. 

Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

Also, subsequent to my prior complaint ( CFPB complaint # XXXX ), several actions have been taken that greatly reduce my confidence in Chases process, procedures, and oversight in this matter. To be clear, this complaint pertains to entirely new issues, as Chase, in its recent interactions with me, has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
On XX/XX/2021 I realized my Bluebird by American Express account balance was depleted this is the account where my paycheck is direct deposited every pay. I logged onto my online account and noticed charges were made that werent mine I immediately called customer service and disputed the charges I was sent a declaration of fraud which I did complete and send back to American Express bluebird several weeks went by without funds in my account and I heard back thatThat the charges werent unauthorized and I would not be getting any restitution however the charges were unauthorized I did not make the charges and I am out money from my work paycheck and it has caused a major life struggle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to these Equifax on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. ( PLEASE SEE ATTACHED LETTERS SENT TO EQUIFAX, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Reach Financial LLC
State: VA

Complaint narrative:
Since XXXX, I had been paying XXXX XXXX XXXX monthly to help me pay off debt. On XX/XX/XXXX, I received a phone call from XXXX stating that since I was good about making payments, they recommended that I speak to Liberty Lending who would pay of my remaining debt and I would start paying them. 

After speaking with Liberty Lending, I pointed out that I didn't like the XXXX XXXX interest and I specifically asked that if I signed, if I could back out of this agreement. They have this on a recorded phone call. He told me the loan process would probably start XX/XX/XXXX or up to XXXX days since when we spoke and that I had XXXX  days to cancel. I was under the impression that I could cancel. 

After the phone call, over the course of a week, I discussed this opportunity with a family member and also my best friend. My best friend told me that they could lend me the remaining amount so I would not have to worry about the high interest. The following week, I called them to see about canceling the loan. They told me to call XXXX XXXX XXXX. XXXX XXXX XXXX said it was out of their hands and that the process had already started, meaning that they had already started paying my debt. They told me to call back Liberty Lending, which I did and they told me there was nothing I could do because the process had started. She said that within days ( not specified ) that the process would be finalized and I would get an email. I then asked for the loan agreement and it never got sent to me. 

This past week I got the finalized notice via email and I have been going back and forth between XXXX XXXX XXXX  and Liberty Lending trying to get answers as to why this happened so quickly and why it happened without my ability to cancel. I also expressed how upset I was that XXXX XXXX XXXX literally threw me to the sharks so I could pay almost XXXX extra on debt that I was trying to pay down. 

I never had a fighting chance to get out of this loan. I felt extremely pressure the first day I spoke to them and I should have listened to my instinct. They misled me and in my opinion were highly unethical to do this. Now, I am stuck paying an additional {XXXX}. XXXX where if I had stayed with XXXX XXXX XXXX, I would not have to pay that. This is not right, it's not ethical at all. This should not be legal but people get XXXX every day apparently. I should have been able to cancel the day I called to cancel, which was less than XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I made a purchase online through an ad on XXXX to buy a 799 pc tool set and a 12.5ft flexible Aluminum ladder. 

I received a 12pc tool set and some small pieces of plastic tied to strings I disputed the charge with Citibank noting the Product was not as described Citibank asked that I sign a letter and send them pictures of the product. I did so on XX/XX/XXXX via email. 

Citi removed the provisional credit on XX/XX/XXXX noting that the merchant sent a tracking number and the item was received. Citi requested that I sign another letter noting that the iem was not received. 

I spoke with a representative in late XX/XX/XXXX who noted that the letter was incorrect, they could see the pictures I sent were not of the product ordered and that they would resolve the issue. 

On XX/XX/XXXX I received another email noting that I had a document. The document was the same document noting that the merchant sent a tracking number for the product and my provisional credit was removed. 

I called Cit on XX/XX/XXXX and they said I had to sign the letter by XX/XX/XXXX or the dispute will be closed. I noted I can't sign the letter because I have receive a product but it was not as described. I noted that I was already told this would be resolved by the previous Rep and they said that was false. They recognized the letter is erroneous but " This is the process '' and I have to sign it. I spoke with a supervisor that said " This is the process '' and they will talk to the investigator to get a new letter out, but I have to sign by XX/XX/XXXX. I can't sign the letter since it is wrong so I get to wait for Citi to fix the error and sign a letter AGAIN saying the product is not as described. 

Citi makes disputes extremely difficult to avoid their federally required responsibility and passes fraud on to consumers.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation