vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2018 my checking account was fraudulently used. I did not know until my mother tried to use her card and found that the account had a freeze on it. My mother 's account was affected also because we shared accounts. We went into our local Navy Federal Credit Union to find out why and was told that no one can discuss anything about the account and that it was under investigation and was given a print out of my transactions. The print out showed how someone deposited over {$5000.00} into my account from another person 's account and then withdrawn at XXXX supermarket by way of money orders. The bank rep gave use a business card with a phone number and a name ( XXXX ) and said to call the security dept. only they will speak to you. This led to the worst experience ever. The person I spoke with would not give me any information and did not really know who XXXX was. I called, my mother called multiple times. The only thing they said is that security does not speak directly to anyone and that this investigation would take 15 days. I continued to call for the next 3 days trying to communicate with the bank. I told them that I'm a XXXX XXXX XXXX  and that my payroll check will be deposited into that account in a couple days and I needed that money for school. Again no one would speak to me. On XX/XX/2018 I tried to log on to my account and I could finally get into it and there it was over {$4500.00} in the NEGATIVE and they had applied my pay check to the negative. I called the bank and someone told me that the investigation was done and that I'm at fault. Every dime I worked for GONE! plus I owe them over {$4500.00} according to them. This is wrong. I had nothing to do with what happened. They never called to speak to me, they never interviewed me or mom ( whose account was also frozen ) they came up with a decision in 72 hours! Who did they talk too? wheres the video of the people purchasing the money orders? This could be an inside job. I don't deserve this. I'm only XXXX years old, I work and in college. I want my money BACK and account cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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 — Investigation took more than 30 days
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
I disputed the information that OneMain reported on my credit report. I sent a certified letter that they signed for on XX/XX/2018 requesting validation of the debt. After 30 days, I didn't receive a response. So, I sent a follow up certified letter on XX/XX/XXXX, signed for by them on XX/XX/2018. I still have not received a response from them but they updated my credit report. They changed my payment history and added in the remarks section " consumer disputes ''. They missed the 30 day timer allotted to them per the FCRA & FDCPA. They had 30 days to respond and it wasn't until after I sent a follow up letter that they made any adjustments to my credit report and they never sent me any communications. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: CITIBANK, N.A.
State: AR

Complaint narrative:
THERE ARE HARD INQUIRIES ON MY XXXX I AUTHORIZED XXXX INQUIRY ONLY DELETE FROM XXXX   TODAY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: Innovis
State: AR

Complaint narrative:
INNOVIS IS IGNORING COURT ORDERS AND XXXX XXXX XXXX  MUST BE DELETED TODAY.AND XXXX HARD INQUIRY ON XXXX  HAS BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: Innovis
State: AR

Complaint narrative:
INNOVIS IS IGNORING COURT ORDERS AND XXXX XXXX XXXX  MUST BE DELETED TODAY.AND XXXX  HARD INQUIRY ON XXXX HAS BE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: NC

Complaint narrative:
I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted XXXX, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) 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 2018-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
In 2009 I graduated with my XXXX XXXX in XXXX XXXX putting me at around {$42000.00} in student loan debt. I contacted my student loan servicer, Navient then Sallie Mae, via telephone regarding loan repayment plan and loan forgiveness as I qualify based on my employment. I asked specifically what I needed to do to initiate the 10 years of payments to qualify for loan forgiveness. The loan servicer stated that all I needed to do was start making payments and show proof of qualifying employment. The servicer reported that at ten years of active payments I just had to apply for loan forgiveness. I was informed the sliding scale payment option would be acceptable ( payments start out low then slowly increase as time goes by ). At no time did they state I needed to apply for the income driven repayment plan and had to switch my loan to a Direct Loan in order for the payments to qualify. All the while, anytime I changed jobs I submitted qualifying loan forgiveness employment proof to my loan servicer specifically showing my intentions to request loan forgiveness. Seven years later I contacted my loan servicer to submit updated proof of qualifying employment as I changed jobs, all the while actively making payments towards my loan in accordance to what my loan servicer had instructed. At that time I checked with Navient on what the process looked like for when I actually needed to apply for loan forgiveness. That was the first time I received information from my loan servicer that I had no qualifying payments, needed to switch to an income driven repayment plan, and switch my current federal loan to a Federal Direct Loan before I could start making qualifying payments. Seven years of responsible consistent payments were not counted towards loan forgiveness based on the misinformation provided to me by my loan servicer even though the amount I was paying monthly was similar to what loan forgiveness qualifying payments would have looked like. I attempted to reconcile this issue with Navient, as the company was aware of my intentions for loan forgiveness based on my initial request as well as ongoing submissions of proof of qualifying employment for loan forgiveness. Navient stated there is nothing can do and refused to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have sent Navient my very personal private information three times already and they still are charging me late fees and put me in forbearance instead of IBR Plan! The last ( fourth time ) I sent the requested personal info including pay stubs ; it was returned by the post office. Im getting nowhere with them, and Id also like to be included in the ILLINOIS CLASS ACTION SUIT AGAINST NAVIENT because I fit exactly into the reason of the lawsuit. Please help me ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please know that I was not late on this account. I wonder why Equifax, XXXX and XXXX report it as late XXXX/XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax dropped my credit score 79 points after having a collection removed from my credit report. I have submitted documents to them to show that I paid the collection agency and that XXXX should marked as paid. I have tried disputing with equifax and try put a comment that I was disputing on my credit report but the account has been paid in full and I feel dropping my credit score 79 points after paying a collection is not fair. I submitted documents to prove the account has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received written notice that I needed to provide additional financial information related to my checking account with due date of XXXX  XXXX. This information was previously provided to the bank. Without notice my account was frozen on or about XX/XX/2018. Several bills on autopay including : mortgage and utilities were not paid. In addition, checks written in XXXX were not paid with the checks stamped " froz ''. I received notice in email my FICO score has been lowered. I have had late fees and returned check fees applied. I have written on two occasions to the person I was informed was responsible and he has not responded nor addressed my concerns : XXXX XXXX at Citibank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
On XX/XX/2018 when i pulled my credit reports, i noticed a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. reporting an amount : { {$750.00} } owed. I do not recall this company. My account is on alert for fraud, and this may be another one of them. I didn't receive a 30 day notice, and I was not aware of this debt. Security Credit Services never sent a letter to me allowing me to dispute the debt in  question. In addition, this account was placed on my credit reports past the statue of limitations, per information on my credit reports. I have disputed this account with the collections bureau only to have it on my credit report as verified.On XX/XX/2018, I sent a debt validation request to security credit services. I requested security credit services to provide me with information regarding how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc. I did not receive any response. The account was then marked as verified with all three credit bureaus. I then sent a second debt validation request on XX/XX/2018 to security credit services, and have yet to receive any information regarding this account While they are not required under federal law to respond, if they don't respond with proper validation then they are required to cease all collection activity. Again, I have not receive a clarification on this debt. I have recently pulled my credit report to only see this same account listed, and updated. I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. I am requesting the creditor to remove this account from my credit reports ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I had been informed not by letter, not by phone not in any formal process at all but I have been informed that my credit line was getting decreased almost {$7000.00} {$6900.00} by email. I immediately gave American Express a call I asked them why they did not let me know ahead of time and they stated that they would be sending me a letter. I believe they should have informed me they were going to lower my credit limit prior to actually doing so. I am doing this complaint because I believe some of the actions and things that American Express are doing are illegal. When I spoke with the representative she informed me that if I pay {$3100.00} by XX/XX/XXXX American Express would agree to give me my credit limit back. Originally we had agreed that they would take over my credit limit that I had with the previous company and that agreement I was told I could pay the minimum payments no consequences and repercussions will be brought upon me for doing so. At this point that is exactly what is happening. Also, although the American Express representative expressed this information to me over the phone I gave them a call and I let them know I will pay you the {$3100.00} if you send me an agreement in writing that you will give me my credit back for sure it is a guarantee. The representative simply assured me did they would but said that they can not send it to me in writing which to me sounds strange and not trustworthy at all. I feel as though American Express has went back on their contract that we solidified in the beginning. It's unfortunate that they would give you a certain credit line can remove it from you without notice, & say if you give them a large amount of money they will give it back. This seems to me like bribing and threatening. American Express is making me pay them substantial amount of money under duress which is not fair or legal. In addition American Express lowered my credit limit at an important time in my life ... My credit score has dropped because they took it upon themselves to decrease my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please know that I was not late on this account. I wonder why XXXX, XXXX  and Transunion report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: NC

Complaint narrative:
Please know that I was not late on this account. I wonder why XXXX, Experian and XXXX report it as late XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
FAILING TO COMPLETE PROPER INVESTIGATION On XX/XX/2018. 
I received a letter from Equifax stated that they completed an Investigation into accounts I disputed. 
I requested ORIGINAL CONTRACT with my SIGNATURE for proof of VERIFICATION, for [ XXXX XXXX and XXXX XXXX ] Their claim was that the account were. VERIFIED, WITHOUT providing PROOF. 

I file a complaint here at CFPB. 
On XX/XX/2018, I received another letter like the one I complained about, stating the account was VERIFIED. 

The account in question has signature with another last name, not mine. The terms show as 8years, when on contract shows as 6years. 

If original contract was requested, the company would have notices this INACCURATE REPORTING. 

The other, XXXX XXXX, collection for XXXX XXXX, is result of identity theft, which report was filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
Opened account with special offer {$250.00} for opening account with XXXX $ and set 3 recurring payments within 60 days. Met all requirements but newer got {$250.00} bonus.

Multiple employees confirmed that I'm qualified for this promotion and for last 3 month keep saying that it's just a technical issue with account to be credited. First call I was promised 3 weeks  ETA, at next call another 3 weeks, and so on. Last call not even ETA promised, they have " no more new information for me at this time ''. According to special offer attached it supposed to be 91-100 days which is XX/XX/XXXX-XX/XX/2018 at most since I opened account in the beginning of XX/XX/2018. Now it is XX/XX/2018 and still no money, just excuses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CT

Complaint narrative:
I decided to refinance my student loans with Discover to save on some interest as I was getting a lower rate with another service provider. 
My loan was paid off at Discover on XX/XX/2018 and there was an excess payment of more than {$3000.00} on the account. 
One week later, on XX/XX/2018, I contacted Discover to find out about the status of my refund due to the overpayment. 
I talked to the customer service representative and her supervisor and I was told Discover has a right to hold onto the payment for upto 45 days. They are really busy with processing thousands of student loans so they can not verify the payments have been applied to my account accurately. In about 45 days, they will mail out a check which will take another 7-10 business days for me to get my money back. They have a right to hold onto my money ( they gave me an exact amount {$3300.00} ) as they look to verify all closing details. If they have the exact amount of refund owed, that means the payment have been posted already. I never had a late payment on my account and no payments have been missed ever on the student loan. But they still want to ensure that ' no extra unknown charge ' pops up on my account in this timeframe I think it is a really unfair practice that it takes them upto 45 days to post my payments accurately and they have a right to hold onto my money for that long. I am accruing interest on the refinanced loan while Discover decides to hold onto my money for close to two months and not doing their job in a timely manner.

Company response to consumer: Closed with explanation