vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX and it will be processed that day. Their is an approximate. 2-6 minute delay in their approval and you receiving the email. And their customer service also informed me that the approval time can take anywhere 20 minutes to 2 hours depending on how busy the bank is. By the impression your customer service gives it is clear that there is some give time in the processing time if you can submit a deposit at the very last second. This is not true. If you do not receive your approve before XXXX you will have to wait 24-48 business hours to get your check approved. No matter what time you submitted your deposit. All this is of course based of the bank time table and their app clock which you as a customer have no way of verify is correct nor do you get any sort of warning prior to depositing that it is close to their cut off time since this is a national bank that runs of EST but if you are n't in EST obviously XXXX EST would be a different time for you. So when I called and was informed their would be a two day hold on my check till tuesday I was upset and all I was told was the term and conditions were clear. Which they clearly are not since their own customer service team either 1 ) does not understand them or 2 ) is intentionally giving customers wrong information so that they will use their overdraft protection and the bank can charge a fee. Either way this huge disconnect in process time is an issue that is not clearly explained to customers and requires a lot of explanation. I have received multiple answers on the timeline of my claim. My check was approved sometime between XXXX EST and XXXXXXXX XXXX EST. No clear answer to that. The app says XXXX approved. One representatives said XXXX another said XXXX but the email was not sent till XXXX. the timeline process is horrendous and seems to benefit Navy Federal how they please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BANK O F AMERICA,   XXXX     2016, I ha d my wallet stolen in  XXXX   XXXX  NJ. Police report was filed and all institutions were notified and cards cancelled. On  XXXX / XXXX /   16 and   XXXX / XXXX /   16 th ere were  two fra udulent transactions in my Bank  of America  account. Each time {$1800.00} was withdrawn from my savings account from  2 different locations. I have never withdrawn any money from this account nor have I ever banked at either the   XXXX  or  XXXX  branch locations. I filed another Police report and notified Bank  of America. I have addressed the situation numerous times at my lo cal   XXXX    branch and  on the phone with  Bank of America . In  XXXX , my local branc h manager, admitted that the charges were fraudulent and added ba ck {$1800.00} to my account and stated he had to wait to add back the additional {$1800.00}. In  XXXX ,  Bank of America n otified me that the case was closed and they removed the {$1800.00} credit leaving me with a - {$3600.00} deficit. I have tried numerous times to get answers and have only been told the case is closed.  Bank of America  never contacted me and they never looked at the police report that was filed. I am happy to provide more information such as accounts, names, and police reports.

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 2017-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI

Complaint narrative:
ONEMAIN  XXXX   XXXX   XXXX   XXXX , TX  XXXX  This address sent me an email stating I was denied a loan. I did not apply for any type of loan. Someone else has used my personal information to apply for a loan. I did not provide my personal information nor did I give permission to use my personal information to  any one. I 'm in the process in repairing my credit. I have a very low credit score and I know myself I can not get a loan any where, so I do not apply for any types of loans until I get my credit score higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
B ank of America  is using  XXXX  for extortion, and on a frivolous debt that has not been validated, this has caused me SEVERE DAMAGES!! as i am currently in litigation with  XXXX   [   XXXX   XXXX  & gt ; agent ] for their reckless malicious criminal activity of blocking me from banking activity for at l east 2 1/2 years, preventing me from havin g a stock broker  account, costing me hundreds of thousands in lost profits, preventing me from selling a   XXXX   or two   o n  XXXX , preventing me from selling my   XXXX   online, preventing me from selling on an online auction website, and making my life miserable and causing me suffering of poverty  XXXX  Bank  of America  unlawfully breached my information to   XXXX   and this is a   XXXX   discrace, now there s 2  investigators names   XXXX   XXXX  i, and  XXXX   XXXX  & gt ; [ of which are liable in their private capacity unless they produce their bond or liability  carrier ], adding to the damages by committing crimes of 18 USC 241,   conspiracy against rights and using fictitious names and still can not produce VALIDATION OF ALLEGED DEBT or A VALID CURRENT CONTRACT!!! I h ave 2 statements from 2 bank s stating  XXXX  is making a bad report, and i will find the letters soon, Bank  of America told me 1 1/2 year ago they were using  XXXX  to report on this FRIVOLOUS DEBT , plus its right in their response letter they will use  XXXX  as a threat to me, heres just a few profits i lost, if i had  XXXX  $ to invest o n one stock did 1600 % in one da y i could have made  XXXX  $ and thats just one investment out of many i was prevented from investing because i was blocked from banking, Becaus e of Bank of America and their CRIMINAL EXTORTION RAQUETEERING FRIENDS!!!!! THESE ARE MISCREANT S!!!     XXXX   XXXX   NO GOOD SLIMEBAGS, I CAN SAY ANYTHING I WANT WHEN THERES PEOPLE WRECKING MY LIFE VIOLATING THE LAW AND MY RIGHTS!!! ROTTON  XXXX !!!       1.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,672 % GAINS!   2.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 348 % GAINS!    XXXX .  XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 364 % GAINS!    4.   XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 392 % TOTAL GAINS!    5.   XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,067 % GAINS!   6  XXXX   XXXX   : Alert at  XXXX . Hit highs of  XXXX  for up to 1,014 % GAINS!   7.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 618 % GAINS!

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I provided Equifax with police reports proving identity theft as well as an out out Court settlement with  XXXX  Bank  (  also known as  XXXX  ) where they agreed to remove all  XXXX  Bank accounts from my report. Equifax has partially complied with removal, then reinserted information. Furthermore, they continue to report fraudulent, illegal credit inquiries that do not fall under fair use. These must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As of   XXXX      XXXX  has sent the attached updated information to Equifax. This information was given to Equifax several times by myself and  XXXX  to update my account. And   XXXX   XXXX   XXXX   is still showing as well as unverfied inquiries as originally reported. As of today, Equifax has not done so along with the other complaints I have filed. A lawsuit will be appropriate according to my attorney for Equifax 's negligance on updating and removing wrong inaccurate information from an consumer 's report causing a negative impact on there credit worthiness and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On  XXXX   XXXX  I submitted a dispute to all   XXXX   CRAs. I have received the results from   XXXX   and Equifax, but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against   XXXX   XXXX    of Delaw ar e in Court. Each report is reporting a different date that the account is open, the h ighest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date . Dispite pr oviding each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt.   XXXX   XXXX    has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
Through a credit monitoring service I received notice of a collection account appearing on my credit report. On my credit report the account was reported by the collection agency  Medical Data Systems , Inc., h aving originated with  G  XXXX   XXXX   XXXX   Hospital.  XXXX  Hospital  had provided me a service in the Summer of   XXXX  .     I contacted the hospital and found that they and the collection agency both had an incorrect address on record.     My address is  XXXX   XXXX   XXXX   XXXX  in  XXXX , VA. They recorded  XXXX   XXXX   XXXX   XXXX . The first     XXXX     in my address was transposed to a  XXXX . I did not provide them with an incorrect address to my own home. Any mail sent to  XXXX   XXXX   XXXX  would have been returned to the sender.     I paid the bill immediately and received a receipt that memorializes the address error. It also has my name partially misspelled. I have included this receipt here, along with other documentation recording my correct address and name.     When I contac ted Medical Data Systems t  hey insisted that this was a valid debt and refused to remove it from my credit reports. Nothing  resulted from disputes I filed with the  XXXX ,  XXXX , and  XXXX . It now appears that the wrong address has been added to my credit reports.     I paid the bill as soon as I was made aware of it.     Prior to seeing the collection reported on my credit report, I received no notifications of the balance due.     I do n't think my credit should suffer because of a billing error.

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 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I did not have any procedures performed at  XXXX   XXXX  on  XX/XX/2016   . Furthermore, I never received a bill in the mail for this amount from any facilities. This collection is now on my credit report that I have no knowledge of.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax credit report reports  Federal Tax l iens. Equifax improperly and incorrectly reports these items. In   XXXX   XXXX   XXXX     the Department of th e Treasury-Internal Revenue Service  issued Forms  XXXX  Withdrawal of Filed Notice of Federal Tax Lien as relating to the  Federal Tax Liens  Equifax is reporting. These Forms  XXXX  have been filed with the  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Florida  XXXX . Equifax has repeatedly refused to correct their error . On three sep arate occasions I filed disputes with Equifax providing documentation to support my dispute. Both  XXXX  and  XXXX  immediately deleted these items from their reports upon receiving a single dispute. Equifax by continuing to knowingly, improperly and incorrectly report these items has harmed and continues to harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My US Department of Education accounts  XXXX  and  XXXX  are currently being rehabilitated by   XXXX   and are on an automatic payment schedule. I do n't know why they are being reported as collection accounts seeing as how all of my documents have been forwarded to the Department of Education and they are well aware of the loan rehabilitation, the account status is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My  XXXX  payment for the ford motor credit account was not late. the consumer reporting agency equifax False reported a late payment to ford motor credit. the payment is due on the  XXXX . I made the payment on Friday the  XXXX  which was a Friday, a holid ay (   XXXX   XXXX   ). o n sunday the  XXXX  equifax reported a 31 day late payment. there is no way that ford mortor credit reported a lated payment, they were closed for the holiday. The company also put on my account that it was already paid on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have received countless calls from  XXXX   XXXX   XXXX  for a name ( ca n't understand them maybe its  XXXX ? or something like that ) that I am not related do not care who ever it is. I have tried disconnecting my answering machine, returning their call to an ext. that NO would help me. Answering the call several times telling them that person is not me and telling them to quit harassing me. I would like to file harassment charges as this has been almost a year and several times per day. Now they found my cell number and home numb er I AM  FURIOUS CAN YOU PLEASE HELP STOP THIS HARASSMENT

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 2017-04-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
I was contacted by someone on  XXXX   XXXX  saying they were an account manager at  XXXX     XXXX    and that i can receive an cash refund which is entitled to me and is legal and legit, so that being said i shall receive the amount of {$6000.00} if i pay {$300.00} in the form of cash and send this amount to an agent and that i will receive the full amount by this person with an reference number in money gram form, i then sent {$300.00} in cash for pickup by said agent to send it to, i knew i was scammed when the transaction was not returned on my end and did not receive said money as promised and tried to call the number given back, a man called me saying that my money is on hold at my financial institute and that i will have to pay another added {$150.00} for a deposit to receive my cash refund and i received several other calls from this person the next 2 days asking for more money and he told me this is legit and legal and that i was assure i will get my money on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On  XXXX   XXXX ,  2017, I ca lled Navy Federal Credit Union about my federal income tax refund being deposited in the wrong account. They told me that since it was the wrong account, the funds would be rejected and sent back. I called back on  XXXX   XXXX  and  XXXX  and they said the same thing and would not further assist me. After a week of checking for the funds and not seeing them, I called Navy Federal Credit Union on  XXXX   XXXX ,  2017. T hey told me that I had to call the IRS or  XXXX   XXXX   XXXX   XXXX  to get my money. I called both and they told me Navy Federal Credit Union has to release the funds back to them and then they will be able to send me a paper check. I have been back and forward with Navy Federal Credit Union and  XXXX   XXXX   XXXX   XXXX  to get our funds. Finally, on  XXXX   XXXX ,   XXXX  , Navy Federal Credit Union was willing to tell me that I had to get  XXXX  &  XXXX   XXXX  to send them an Indemnity letter to release the funds. On  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   sent the letter at  XXXX  and at  XXXX  and it was denied, because the full amount was not available. I called Navy Federal Credit Union back on  XXXX   XXXX  and  XXXX  to see what I can do to get the funds released. They said they need  XXXX   XXXX   XXXX   XXXX  to send another letter when the full amount is available to be withdrawn.  XXXX  &  XXXX   XXXX  is refusing to send another letter stating the same amount for The  Federal Refund,   which was denied. Now I do not know what to do, because Navy Federal Credit Union has proof that the money belongs to  XXXX  and  XXXX   XXXX . I also have our state refund being deposited to the same account i n 5 to 7 busi ness days, which will pose the same issue. Any assistance in this matter will be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I owe my  XXXX  credit card from capital one {$300.00} and for a month they have been calling m e 5-7 tim es a day. I have asked them several times to stop calling me I will pay it when I can and not ev en ten minutes  later I will receive another call from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As of recent, I have been advised by Equifax that they have revoked my online access for disputes or access to my credit report. Unfortunately, I feel that this is retaliation from my previous disputes for Equifax not following the proper guidelines when it comes to handling disputes. I have been advised that my credit file is currently being handled by Consumer Affairs and they are the only ones who have access to my credit file. They have done unauthorized disputes and added unauthorized alerts to my credit file and I have been given a hard time when attempting to request them to remove the alert. They say that they have removed it but I have no proof yet. I also sent them documentation from a creditor  XXXX   XXXX   XXXX  to have the  XXXX  listings removed from my credit report and they have done another dispute that I did not ask to be done. Equifax alledges that they performed a re-investigation for the  XXXX  account  XXXX  that is still currently on my credit report. I sent them documentation from the company that the account was sold t o (   XXXX   XXXX   XXXX   )  as well  XXXX  advising that they sold the account. The account has been removed from all credit bureaus except Equifax. I feel that I am being treated unfairly and retaliated against since I made complaints against them. Each time I call I am given the run around and sometimes hung up on. I am told to ask for the department by name as they have no direct contact number. I have called during business hours and have not been able to get assistance. I have had representatives tell me there is no one else to speak with. I have been told things such as your file will be with consumer affairs indefinitely and that they ca n't provide any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Purchased a   XXXX    XXXX   XXXX . Went through a divorce. I could n't pay thet the amount of  XXXX  a month on  XXXX  income. They repo the vehicle, sold it a a auction ( which they sold it for way less than what we owed. Now, Ally financial recovery asset wants me to pay  XXXX . What a joke.

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 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS RELIABLE LENDING LLC
State: IL

Complaint narrative:
XXXX   XXXX   (    XXXX   ID  XXXX  ), called me with detailed information he somehow got from a credit check I had done in early  XXXX . I have turned down several of his calls and when I asked if he was associated with my lenders, he declined to answer. When I asked if he was trying to sell me something, he declined to answer. He is using high pressure tactics meant to confused people into giving their information.

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