vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I joined the United States XXXX in XX/XX/XXXX and was stationed in XXXX, Washington. I am from XXXX, Georgia. I XXXX to XXXX XX/XX/XXXX and did not return until XX/XX/XXXX. I was told this XXXX tax lien should not be on my credit report and it was wrongfully filed on my XXXX and Transunion credit reports. Please help me take both of these tax liens off my credit reports. I am trying to buy a house and every company is telling me they can not extend credit because of the tax lien.

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 2017-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK

Complaint narrative:
After I filed a complaint against them on this website, they put on my credit report that the account is now closed, which in turn lowered my credit score by XXXX points. They did not really close my account. I have made a payment to them after this account was supposedly closed and they said nothing about it. Also, if you look on the report, they closed it under 'One Main FI ' and reopened it under 'One Main '. It is the same company. They are just doing this as a retaliation for me filing a complaint with this bureau in regards to their harassing me. My current case number for the harassment is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Opened a checking/ savings account with Navy Federal Credit Union on XX/XX/2017. I have monthly credit monitoring and received an alert that Navy Federal Credit Union had pulled my credit report. I did not apply for credit card or a loan and did not give permission to Navy Fed to pull my credit. Called Navy Fed on XX/XX/2017 to ask why my credit was pulled. Customer service representative first said she was not sure why since there was not any credit or loan applications in my account. She put me on hold to further investigate, and when she returned, she told me that it was supposed to be read to me, it was on the disclosure agreement ( opened the account over the phone ), and Navy Federal was pulling credit reports to have the reports in their file if I apply for credit or loan in the future. No one informed that my credit was going to be pulled when I opened savings and checking account! I have closed my account with Navy Fed. Please investigate! Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Mortgage fraud perpetrated by ex husband have a letter from Wells Fargo regarding this incident, he also with this illegal mortgage filed a false tax lien using my social security number XX/XX/2016 and sabotaged my XXXX back payment and caused me to get evicted from my apartment XX/XX/2016.

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 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc.
State: CA

Complaint narrative:
Not only is the debt not mine, it 's not my husband 's either. 

My husband ( only party signing contract and his credit card only card tied to account ) had a 1 year XXXX for me and his son that expired in XX/XX/XXXX. The XXXX moved several miles from our home so my husband blocked the card from being charged in I believe XX/XX/XXXX. I get a collection letter dated XX/XX/XXXX from First Credit Services , Inc. XXXX NJ, XXXX. My husband emails the club ( attached ) XX/XX/XXXX. No response. I called the collection service XX/XX/XXXX to dispute and told them was not a party to any contract, it had expired in XX/XX/XXXX anyway, and I stated I was disputing it. Now today XX/XX/XXXX it shows up on my XXXX ( other possibly ) They do n't care, they wo n't do anything at all. Have been on phone with them 4 times ( 4th time today ) and asked where was the contract I asked you to get. Answer, we 'll see what we can do. XXXX. They 're a scam holding my credit report hostage now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: NE

Complaint narrative:
I attempted to use the card for an online purchase. Vendor rejected the transaction because my address did not match the address provided by the gift card company. While the transaction was rejected, funds were deducted from my account and not available to me. I phoned Omnicard and they confirmed the funds were in a pending status, unavailable to me, and would not be available for 6 days despite the fact the Omnicard also acknowledged the transaction was rejected ( immediately ). This process is designed to impede transactions, making it more likely that Omnicard benefits from their time-based fee structure, harming their customer in the process. In addition to filing this complaint, I will share my experience with my large employer ( XXXX employees ) and encourage them to discontinue their relationship with Blackhawk/Omnicard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On or about XX/XX/XXXX I purchased a piece of land from my brother-in-law that ajoined my property. When my brother-in-law received a loan modification on his mortgage his lender made a mistake and included the land I purchased in his new mortgage. I have been in the process of refinancing my mortgage since XX/XX/XXXX. My brother-in-laws lender has not granted the necessary release so that I may move forward on my refinance. This delay has already cost me an additional {$610.00} to extend my rate lock and I do not want to incur any additional expense through the fault of somebody else 's mistake. I will attach my email and contact information for my brother-in-laws lender Chase Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When I was married, I filed bankruptcy in XX/XX/XXXX It was a 5 year bankruptcy filed & during that time the Student Loan ( I took out at the time for my XXXX college student kids ) was put into forbearance. The bankruptcy was discharged in XX/XX/XXXX. During this time of forbearance the original loan of approximately $ XXXX had now been gathering interest so the total after the bankruptcy was now approximately {$18000.00}. Which was described in a letter to me from Navient. I did n't know who they were & why they had taken over the loan. I called them on the phone & I told them I wanted to refinance or do something to help me pay it as now I was divorced & could n't afford the payment of over $ XXXX a month I suddenly received XXXX weeks before it was due. They told me they do n't refinance federal loans & I had to pay the new amount now that my bankruptcy was discharged. I got divorced in XX/XX/XXXX I 'm on a limited income now & they did n't care. They said the only thing they could do is put me into a deferred loan now where I could pay them {$180.00} per month for 2 years so I could find another way to repay this. After these 2 years I 'm gon na now owe them {$260000.00}. When I 'm done paying them they expect to be paid {$45000.00}. I do n't understand how a federal loan is making all this interest yet not helping the public repay them. My XXXX kids have more loans they 're trying to pay back themselves. I 'm a co-signer on some of them. They harass me calling XXXX times a day to try to get my kids to pay their loans faster. They 've ruined my credit with all of this. My kids & I have XXXX loans we 're paying off just with Navient totaling {$70000.00} ; which does n't include the other student loans my kids are still paying to other companies. They also have tried to refinance with them & are going to put a claim into you also for this unfair student loan company. 

The American families are just trying to pay their bills & make ends meet living paycheck to paycheck. We need help!!! Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient would not let me defer my student loan and put me in default and I am on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, DOB XXXX. I received the letter from NationStar saying that they are accepting their errors about the missing payments and foreclosing the home ( see attach letter ). Even though, NationStar admitting their fault about foreclosing the property ; however, the foreclosure process is still active -- it has not been cancelled out the foreclosure proceedings -- the property is STILL in FORECLOSURE but put on hold. This is very frustrating for me since I am making all my payments ( from XX/XX/XXXX thru XXXX ) and foreclosure proceeding has not been cancelled. This is totally illegal and violating state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX was previously deleted due to fraud and now has been reinserted back to my Equifax credit file under a new account number but has the exact same account details. I have my credit report showing account deleted and now reinserted back to my file without any notification. Please remove from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed XXXX medical collections from XXXX. 
These collections were included in a chapter XXXX bankruptcy case. 
The collection agency said that the case was dismissed however they were referring to a case from XXXX. I filed Chapter XXXX in XXXX case # XXXX which was discharged. Equifax keeps the account showing as open. Also equifax does not show the bankruptcy case on my report. Case # XXXX. 
I would like the collection accounts removed or updated to show closed with {$XXXX} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage has dragged its feat and unnecessarily delaying the processing of XXXX XXXX ' application seeking to modify her FHA loan, thereby damaging XXXX and XXXX XXXX. 

Carrington has taken more than 6 months to evaluate this application with a seemingly qualified borrower, but has utterly failed to communicate and to consider this request for mortgage assistance in good faith. 

Carrington Mortgage has failed to live up to its covenenant of good faith and fair dealing by failing to consider and evaluate XXXX and XXXX XXXX for a loan modification for their FHA loan, thereby violating the FHA Mortgage Servicing guidelines. 

The subject property address is as follows : Property AddressXXXX XXXX XXXX XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/2017, my mother died.She had a saving account with PNC bank, in XXXX, Delaware, in her name only.Instead of setting up an estate account.PNC bank gave my sister a cahiers check and closed the account, even though the Register 's Oder list XXXX co-adminstrators, PNC allow one co-administrator to handle the transaction on the estate of my mother.I need copy of the cashier 's check.My sister made severval unauthorized transactions on my mother 's saving account after her death at XXXX in XXXX, Delaware.PNC should follow Federal and State banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We were approved for a HAMP permanent modification and then my father ( the only borrower ) passed away. Ocwen informed me that they would have to revoke the HAMP while they process the Loan Assumption to me. After Ocwen approved the assumption, they now are informing me that I will have to reapply even though HAMP has expired.

Company response to consumer: Closed
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently file a dispute with a collection agencies Experian claim that they removed the account from my credit file they failed to send me a updated copy of a credit report. I have the right per the FCRA LAWS TO RECIEVE THAT COPY FOR MY RECORDS AND SLICK AND DISHONEST IS I WOULD LIKE A UPDATED COPY OF MY REPORT ALSO NOTIFICATION THAT THE ACCOUNT WAS DELETED FOR MY RECORD

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 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was the victim of identity theft and provided the required documentation and it was added.

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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is wrong information in Experian Report XXXX Account # XXXX Wrong balance XXXX Account # XXXX Wrong balance Please update my credit report as soon as possible.

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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX has wrongfully placed an account in collections. XXXX has indicated that I owed {$1700.00} for water bills at XXXX. This is absolutely false. All of the bills were in good standing upon leaving. This company bulldogged and bullied me into leaving the property. They initiated an eviction on me when all of the rents were paid on time. Elite home management has placed this account in collection with National Credit Systems. I would like this account removed from collections immediately. Attached is full documentation that this account was paid in full. Additionally, XXXX kept my deposit. I would like to request my deposit be returned as I left the property in good standing and was NEVER late paying monthly rent. Please see all attached documentation. Furthermore, the claim that XXXX is stating I owe monies for a water bill is false. The amount started in XXXX of 2012. The account was never placed in my name and started with a balance of over {$700.00}! XXXX presented false documents to the court in order to have me evicted from the property. I 'm requesting that this is immediately removed from my credit report and handled outside of a credit reporting agency as these claims are false!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have has an account with Navy FCU for over 20 years. I have never missed a single credit card payment and often pay hundreds if not thousands over the minimum payment. This month an automatic payment was made, at the time it actually coverd the 2 % of the balance as a minimum payment. However, NavyFCU, as you know from last year 's lawsuit, uses many illegal ways to make more money. They rebalanced the account prior to the payment posting and the payment was XXXX short. Instead of any notice, Navy FCU froze the account for only XXXX and 5 days past due ( only XXXX due ). They provided no notice, nothing, even after I have NEVER missed a payment. When I called the " Manager '' hung up on me and was extremely rude. Additionally, even after a payment, the refused to unlock the account. They claim the system is automatic and Navy FCU has no control over anything. As you know they have EXTREMELY aggressive systems in place to lock down accounts and do nothing to resolve it. I would ask that you investigate them again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Request your assistance to get my Kohl 's charge account credited for an on-line order that was never received. 
XX/XX/2017 - Ordered a neckless from Kohl 's web site -- total cost {$1000.00} XX/XX/2017 - Received email from Kohl 's advising me that my order had shipped. Made several attempts in the next few days to track movement of my order, however no movement was showing on the shippers site. 
XX/XX/2017 - Contacted Kohl 's customer service to determine the status of my order. 
XXXX - Received an email from Kohl 's customer support ( XXXX ) stating : 'I have checked on the above mentioned order number and found out that the delivery is still being process. We are still hoping for the possibility for the package to be delivered. Please allow some time for the carrier to deliver your package on or before XX/XX/2017. If you still did not receive your package by that date, kindly contact us so we can further assist you. ' On or about XX/XX/2017 - Received XX/XX/2017 bill - Kohl 's billed me for the bracelet that I never received. Although I never received my item I was forced to make the minimum payment to avoid a hit on my credit report. 
XX/XX/2017 - Spoke with Kohl 's customer service to complain about being billed for an item I never received and requested my order be cancelled and my account credited for the purchase price. Was advised that my account would be credited. 
XXXX - Credit had not processed. Contacted Kohl 's customer service again, ( XXXX ) requesting to have my account credited. XXXX advised me that she would get my credit posted. I also asked to speak to a supervisor. I was forwarded to a voice mail and left a voice message requesting to be called back. Kohl 's never returned my call. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again and asked to speak with a supervisor. Spoke with XXXX about my issue and he assured me my account would be credited within 24 to 48 hours. 
XX/XX/2017 - Credit still not processed. Called Kohl 's customer service again, spoke with 1st line supervisor XXXX, to address my issue and to stress how upsetting it is to be billed for something that I never received. Also expressed concern that the XXXX bill will be issued in the next few days and Kohl 's would not only bill me for the non-delivered item, but charge me interest as well. I also asked to speak with his supervisor. He told me his supervisor was working other issues, but would definitely call me back with two hours. I never received a call-back.

Company response to consumer: Closed with monetary relief