vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I truly do not like filing this complaint against PenFed, overall they provide a great product and their representatives have always been respectful. However, their needs to be a policy change on how Balance transfers to Navy Federal Credit Union are handled. 
On XXXX/XXXX/2017 I took advantage of a promo to transfer balances at 0 % interest for 12 months. 
I transfered {$2700.00} to my Navy Federal credit Union account and provided all the correct information. However, the balance transfer was mailed to XXXX. Now XXXX separate reps. for Pended has informed me this is Penfed 's mistake and is will takes weeks or longer to receive the check back. 
My complaint : if Pended ; s recognizes this is their mistake, why are they not take responsibility. why is the {$2700.00} still on my account and deducted from my available credit. Why has n't PenFed simply stop payment? I am unable to reassure that balance transfer until the account is credited. 
Lastly, why are the balance being reported to the credit bureaus including the {$2700.00} balance transfer?

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: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Kohl 's Departme nt Stores co ntinually calls both my cell phone and my home phone to collect a debt that is not even mine. The debt belongs to my granddaughter and I have no idea where she is or how to contact her. I have asked them to stop calling me on  3 diff erent occasions. On the last call I spoke to a supervisor who said it would be taken care of. Yesterday I received yet another call from Kohl 's on my cell phone. If I do n't pick up, they hang up and call right back. Please make this stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested a credit line on Wells Fargo, when the statements came the name of the account was wrong I assumed it was not my account and should not pay, I asked the bank to stop sending receipts that were not mine, after 6 months I saw my credit score and then I realized that the account was really mine, but the name was wrong. I paid in full after I saw it but my credit score is damaged now.

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: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I  XXXX   XXXX  filled for bankruptcy  XXXX   XXXX   XXXX   discover  card cancelled account no problem they did not notify me when I called about card they told me I asked about cash back reward they said they would mail it to me now it is  XXXX  sent a demand letter 30 days late dated  XXXX   XXXX  still no reply my records indicate they owe me over 100 dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My mortgage was transferred from  XXXX  to Nationstar mortgage on  XXXX   XXXX  , 2017.   XXXX  says payments they receive from their former customers will be forwarded to Nationstar mortgage for 90 day s. Nationstar 's w eb site says that payments will only be forwarded for 60 days. Which is correct? Is this a way fo r Nationstar to i gnore customer payments sent from  XXXX ? Please clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX ,  XXXX   XXXX  SS :  XXXX  Attention : CFPB Reason : Dispute  XXXX   XXXX   XXXX  : Account Number  XXXX  - Derogatory Credit Reporting Item - Erroneous Account Balance of {$190.00} NO TRANSACTION OCCURRED. NO SUPPORTING DOCUMENTATION OR RECORD FROM  XXXX   XXXX   XXXX . NO RECORD OF SHIPMENT OR INVOICE OF ANY PRODUCT OR SERVICE FROM  XXXX .      XXXX   XXXX   XXXX  IS ACTING IN AN INSUBORDINATE FASHION AND REFUSES TO RESEARCH THE ACCOUNT OR PROVIDE EVIDENCE OF ACCOUNT BALANCE.      XXXX  OWES A CREDIT OF {$110.00} FOR  XXXX   XXXX   XXXX    XXXX   XXXX   UPGRADE FROM  XXXX  FOR ACCOUNT IN QUESTION.      XXXX   XXXX  SUPERVISORS  XXXX  AND  XXXX  IN ADDITION TO REPRESENTATIVES  XXXX  AND  XXXX  WERE INSUBORDINATE IN RESEARCHING THE INQUIRY OVER THE PHONE ON  XXXX / XXXX / XXXX . ALL REPRESENTATIVES WERE  XXXX  OR  XXXX  DISCRIMINATING AGAINST A  XXXX  MALE.     REMOVE DEROGATORY ITEM IMMEDIATELY. FLAG AS FRAUDULENT.

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 2017-04-19 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sortis Financial, Inc.
State: AZ

Complaint narrative:
In the process of selling my home, I discovered that a loan I thought had been discharged was actually being serviced by  ClearSpring Loan Services.  I had never received any correspondence from them in the nearly 10 years since I had m y 1st  mortgage modified. Regardless, I contacted them and they said I could settle at 50 % of the debt which came to around {$26000.00}. I raised this money within 2 days of contacting them and made arrangements and paid them. I am needing the lien released so that I can finish selling my home. It has been a month now and I still do not have the lien release. I call every single day and they tell me they ca n't give me any updates. They often telling me conflicting information such as the lien needs to be released by the original mortgage company,  XXXX . I called  XXXX  and they said they do not do the release, ClearSpring does it. It 's 100 % internal but then they will tell me they sent it to so me 3rd-party compan y to process and could take 90 days. I do n't have 90 days - I 'm trying to close on the sale of my house! I need this resolved ASAP. I have satisfied everything they asked of me and they are holding my title hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I took a private student loan on  XXXX   XXXX ,  XXXX . I was supposed to start paying the loan in  XXXX   XXXX . My mother was the co-signer on this loan and she included this loan in her bankruptcy in  XXXX   XXXX . In  XXXX   XXXX  my mother dismissed her bankruptcy and contacted  XXXX , the owner of the loan at the time, to ask them to re-affirm the loan so we could start making payments. We were told the loan had been charged off and there was no way to make payments on the loan. I never made any payment on this loan and it went delinquent in  XXXX   XXXX . Recently I was contacted ( 7 years lat er ) b y  XXXX  different collection companies trying to collect on this loan. I informed all three companies that the statutes of limitation in California is 4 years and I have no legal obligation to pay this debt. I have asked all  XXXX  companies to stop calling me, however I continue to receive collection notices and phone call to my cell phone, home phone, and my mother 's cell phone. The  XXXX  companies are :  1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  Phone number  XXXX . They are demanding payment of {$20000.00}  2 )   XXXX   XXXX   XXXX   ,   XXXX   XXXX .  XXXX   XXXX   XXXX , NY  XXXX  Phone number  XXXX . They are demanding {$16000.00}  3 ) U nknown company, received letter by mail with no Company address, Phone number  XXXX  Processing number  XXXX . They are demanding payment of {$19.00}.   I have copies of all three letters/notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
National Bank of Arizona charged my checking account {$33.00} for NSF fee for a " pending '' transaction. My account was never overdrawn as my payroll check was deposited before the item cleared my account. Even my online statement shows that my account was never overdrawn. I called the bank and they refused to reverse the NSF fee.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a mortgage w ith TD Bank. TD Bank  did not process the flood insurance from my condo in time, and then put a Bank  Placed Insurance  ( BPI ) to cover flood and increased my monthly payments from  XXXX  to  XXXX  to adjust for the BPI in the escrow account.     TD has since received and processed t he Insurance Declaration p age for the flood insurance, and they claim they have refunded the BPI to the escrow account, but after multiple attempts and request by Supervisors, their Escrow Department refuses to perform a new escrow analysis and adjust the monthly payments. They claim they do n't want to under-collect, but fail to realize their mistake with he BPI and now are in fact over-collecting. They refuse to correct this mistake and are continuously avoiding my request to perform a new escrow analysis.     They continue to collect more than {$150.00} a month in excess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is an address in which I have never lived at. The address is  XXXX   XXXX   XXXX   XXXX  CA  XXXX . I do n't know who listed that address in my credit report.

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 2017-04-20 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This account was paid in full and is in good standing on my credit report but it has  XXXX  duplicates of the same exact account still remains negative on my credit report showing that I owe when it 's paid in full and it 's effecting me making big biggest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Home Equity Line of Credit was set to expire in  XXXX   XXXX  &amp; increase payment from {$670.00} to {$1800.00} +. Requested information on a loan modification &amp; paid {$730.00} to get started. Submitted information including tax reports. My credit scores averaged  XXXX  and I have  0 m issed payments for any accounts in the last 7 years. My concern for being approved was debt to income. When I question the BOA modification ab out DTI h e said that " we can help most everyone. '' I then asked what the ratio was for DTI he responded that he did n't know or lied about not knowing. I asked another  Modification Specialist  the same question &amp; he said " only the underwriters know. " My income from Social Security is {$1400.00} &amp; rental income {$1700.00}.  XXXX   XXXX   XXXX  {$2400.00} &amp; BOA {$760.00}. The loan modification was denied on  XX/XX/XXXX  for insufficient income. After the denial I spoke with a different loan modification specialist and he was the first one who did n't lie. He said " there is nothing that can be done if the income is n't there. " The payment due on  XXXX  of {$730.00} was not made.   I spoke with a modification specialist who said I either pay the {$730.00} or it will be settled later. I was never told that if the modification was denied it would be reported to the credit bureau &amp; my FICO score could drop over  XXXX  points even after 7 years of  XXXX  late payments.   A  XXXX  denial letter from the  XXXX   XXXX ,  XXXX   XXXX  dated  XXXX  was received.   Since the case mgr. knows that a modification is not possible he is still still is requesting information to see if I qualify by  XXXX   XXXX ,  XXXX .   I received an appraisal report on  XXXX   XXXX  &amp; knew after researching BOA 's history, that this is the first step toward foreclosure. I am  XXXX   years old &amp;  have lived in this house for 29 years.   Out of fear, I made payments of :  XXXX  - {$690.00},  XXXX  - {$870.00},  XXXX  {$710.00}.   Payments are up to date.   Why is BOA continuing to drag it 's modification out if no other reason other than forcing a forecosure. I have read too many reports of applicants applying for a modification with good credit, current on loan being forced into foreclosure.

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 2017-04-19 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am constantly being bothered and harassed by a company called  XXXX   XXXX !!!! The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least two emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before  XXXX   XXXX .     I have received  36  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are c alled LVNV Funding

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: WV

Complaint narrative:
Try to make house payment and says that loan has been transfered to another company. I have no notification of this. Was a  Prime Lending  loan and now I have no clue who it belongs too.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R.M. Galicia, Inc.
State: OR

Complaint narrative:
I lost my wallet many years ago!   This is not my debt. I have reached out to dispute this Matter with the collection Agency, as well with the  XXXX  bureaus. I am doing what I can to fix this problem that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I 've submitted my request for my free annual credit report online, but I was denied it by the  XXXX  agencies. So I 've gotten in contact with them and I have submitted the paperwork they 've asked for and I 've received my free report from  XXXX  and  XXXX . But for some reason I have n't gotten it from TransUnion. I have filled out the form they 've given me at least  two t o three times when they kept requesting for more documentation. The last form I submitted to them, I 've given them the paperwork exactly as they informed me to do. It 's been almost a month now and no credit report yet from TransUion. I would appreciate it if someone could contact them to see why.

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 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I took out a loan and was told that there was no pre-pay penalty, the loan was for {$2600.00} at a rate of about 184 %, I paid near ly two thousand in one m onth and instead of them taking the face value, they took off the back end of the loan, charging me still  $  XXXX +  a month, when I should have been charged the interest on the remaining amount. The loan wash from CashnetUsa. Help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I contacted the national credit system a debt collection company many times, by phone and by letters. with this i asked to validate my account, then submitted a settlement offer to the company. when i made a call to the company i was spoken to very abusively and disrespected horribly, i was just trying to make an reasonable offer and settle me debt. I want someone to be aware of this company 's unprofessionalism

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Heloc with BofA at my personal residence fo r 10 y rs for  XXXX  per month. I never missed a payment. then it was set to reset to a fully amortizing loan and the payment would be  XXXX  per month. I was told I had options o f, 1. p ay it off.  2. s ee if I could re apply for th e Home equity  loan and keep it the same. I did and I was turned down. after 10 years of making payments and never having a late. Then I was told I could apply for a modification but they would not look at it if I was current. so I stopped payments for two months and applied. I was turned down. I then made the payments current and  six mon th later paid it off in full. Now I am trying to get a new loan and I have late payments on my otherwise perfect credit report and I can not get a loan. The ve ry lest BofA c an do is remove them. This all happened in 2016. the late payments are from  X/X/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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian did not send me validation of a debt they updated on my report in which I have no knowledge of. They told me to contact the creditor which is their job so they are trying to brush it off on me which is a violation of my rights. They seem to stall the process of my disputes. I am also not aware of any accounts with   XXXX   XXXX   XXXX   XXXX   and they are the only bureaus reporting this inaccurate information. They are reporting these as negative collection items on my report and are also reporting these as open. They also have different reporting fro m one year to  the next. This is clearly a major violation of the FCRA.     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX  and  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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX   XXXX  Inquiry  XX/XX/2017   .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to   XXXX   on the evening of  XX/XX/2017    to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what de als I may  qualify for and the applicable terms. He tried  XXXX  times to CONNECT with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an  XXXX  of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was becaus e no one fro m their end ever called or chatted with  XXXX  or myself. To date,  XX/XX/2017   , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the credit score that was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XX/XX/2017   . I expect for the inquiry to be deleted IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax keeps validating a fraudulent account that the vendor has specifically told them to remove per CFPB. See all attached.

Company response to consumer: Closed with explanation