vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
I returned from XXXX in XX/XX/XXXX, and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a XXXX from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from Discover that they had no record of the account and then refused to continue any investigation ; additional letters to Discover, which included copies of credit reports indicating the fraudulent account, have only resulted in their sending me a package with all statements from the fraudulent account. I have attempted to contact Discover over the phone, but they will not address the issue because I can not verify any information on the account. I have also sent Discover and the credit bureaus the missionary service letter indicating the dates of service and a service completion certificate, indicating that I was in XXXX when the accounts were opened and used. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts. A credit counselor informed me that it is more effective to only dispute one or two items per letter, and to focus on the greatest errors first. The current letters are only addressing my name, current address, and remaining credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
back in XXXX i refinanced my mortg with a company by the name of XXXX. this lasted about a year and i received a letter from XXXX saying they had bought my loan. this is also where the problems started. XXXX said i was deliquent from XXXX so i confrounted XXXX and finally thought the problem was solved. next about XXXX i received another letter from carrington mortg sayiny they had purchased my loan from XXXX. in XXXX i requested a payoff on my mortg and was told i was XXXX in arrears and a escrow bal of XXXX in the hole. i contacted carrington and was told i was preforeclosure unless i paid the deliquent amt. i researched my pmts with date ck number and amts and have forwarded this to XXXX and carrington. i am awaiting their response. this happened several months ago. sounds like i have been involved with predatory lendors. can you help. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MS

Complaint narrative:
Our home was completely destroyed by a XXXX. We had a reverse mortgage with Champion Mortgage. The lender cashed our insurance settlement check of {$210000.00} and we were given a loan payoff in XX/XX/XXXX of {$110000.00}. In XX/XX/XXXX, we did not receive our balance from the insurance check. Instead the lender gave us another payoff balance that was an additional $ XXXX by adding mortgage interest and mortgage insurance ( for a home they cashed a $ XXXX check ). We have been homeless since XX/XX/XXXX and can not buy another home because this lender is : 1 ) continuing to charge us interest and insurance each month even though the lender cashed a check to payoff the mortgage 2 ) lender will not process our loan payoff 3 ) lender has stolen our balance due from insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
One of my lenders, Navient, offers an additional Interest Rate Reduction Benefit on their loans that they claim I 'm not qualified for. They claim there are XXXX requirements to qualify for this particular interest rate reduction benefit : 1. Make 48 on-time payments. 
2. Create an online account before a grace period ends. 
3. Be set up for e-mail correspondence. 
When I initially called their customer service line to ask about this interest rate reduction benefit, I was told I was n't eligible for it because I was not set up for e-mail correspondence. The representative I spoke with agreed to follow up with me after doing some more research. 
I received a letter date XX/XX/XXXX that now says I am ineligible for this interest rate reduction benefit because Navient 's records indicate my payment for XX/XX/XXXX was not on time and I was disqualified, which is strange, since my payments did n't start until XX/XX/XXXX. I 've attached the export from Navient 's website of the disbursement and payment history over the life of my loan, as well as a photo of the letter Navient sent. 
Ultimately, I would like this interest rate reduction benefit applied and backdated to the life of the loan, as well as all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a credit card with Capital One and got behind on my payments, Capital One got a judgment lien on my home ( XX/XX/XXXX ) and tried to attach my wages, but I made a settlement with their collection attorney and sent the law firm the funds on XX/XX/XXXX. However, Capital One has not released the lien on my house, or signed a satisfaction of judgement. My house has since gone to foreclosure, and I have negotiated a 'quick sale ', to avoid foreclosure ... But I need this lien released I have a buyer and approval to sell my house, but title is now clouded by this Capital One lien. 
1. I called the Law Office ( XXXX -but their phone was disconnected, So I looked up the attorney, XXXX in the California Bar and got his phone number and called him. XXXX said he does n't work for Capital One anymore and to call Capital One 's, So I called Capital One customer service says that the account is closed and paid, but they also sold the loan to " XXXX '' ... So I phoned and faxed all the settlement information to a " XXXX at Capital On and to XXXX -with their case number & XXXX. On XX/XX/XXXX and again on XX/XX/XXXX and again on XX/XX/XXXX. 
I have n't received any response and I need to get proof to the XXXX county to get the lien released. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
on XX/XX/XXXX I made a deposit to my XXXX acct. at citizens
 bank for XXXX the teller made a mistake and wrote XXXX
I told her it was XXXX they made me come the next day 
so they could fix the mistake. They deposited XXXX into
my acct. I assumed all was good but 5 months later XX/XX/XXXX
they debit my acct for XXXX saying their was an encoding
era and they never received the funds from my deposit they 
then took what funds were in my acct. and said I owed the
balance. XX/XX/XXXX is when looked at my acct. online and was
beside myself. I lost a days wages a check bounced on me
and i could not pay my subcontractors. Their is something
seriously wrong with doing this 5 months later what if i could 
not contact the customer to be reimbursed the funds or he 
died. how would i be able to fix this without major implications 
to me and my family. I want something to be done about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Offer for short sale of property was submitted. Previous ATP had expired and we were working toward another ATP. No offer during the 1st ATP was close enough to bank value of home. 
Wells Fargo refused to review the offer until the " financial review '' was completed. Then Welles Fargo delayed ( intentionally ) by continually waiting long stretches of not returning messages, constantly changing " processors '', as many as 8 processors, underwriters have been on this file, each with a period of no communication. 
The worst was " XXXX '', who throughout this process failed to either return a phone call or email, in a timely manner, but mostly not at all. 
We sent an OTP and related paperwork to WF to continue with a short sale process on XX/XX/XXXX. We continued to work on this short sale, up until it was rejected in XX/XX/XXXX, for missing a document. Someone from WF Home Preservation Department called XXXX, on XX/XX/XXXX.and XXXX responded and faxed the documents. Since XXXX did not receive these documents, and I was unaware that the WF Team was calling the borrower, the file was rejected. I recent the same documents, by fax, on XX/XX/XXXX. After I found out what had happened, XXXX helped, and put in the request to be reactivated, on XX/XX/XXXX. 
Wells Fargo proceeded to change processors, and micro-examine all accounts, effectively delaying the review within days of the foreclosure sale. They even took two weeks, examining and rejecting a settlement statement from the HOA, finally at last stating that the standard settlement email, with letterhead, management company, and all parties copied, must now be a " formal '' letter on letterhead, and signed, ( note that offer has not been looked at ). 
Nothing had materially changed in the Borrower 's financial condition, and Wells Fargo knew it. 
We tried for weeks by emails and calls, to expedite the review, stating each time the impending foreclosure. WE WERE IGNORED, and when we were communicated, it was " on script '' nonsense. In XXXX, we took the fight to anyone who might listen. 
Suddenly, on XX/XX/XXXX ( sale date XX/XX/XXXX ), the offer was " reviewed '', and quickly rejected. We were told on Monday the news, and told to " get a higher offer '' WE were told " an ATP could NOT be issued, due to the " LOW OFFER '' and " TOO CLOSE TO FC SALE DATE. 
We were also told there is nothing anyone can do. 
Either Wells Fargo intentionally delayed this review, either to force it to foreclosure, or ( and also likely, considering their inability to assign and complete an easy review ) their lack of direction in this department.

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 2017-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I need assistance with an issue with Navy Federal Credit Union. I called in for a used vehicle loan on XX/XX/XXXX. In speaking with the representative he informed me that if I get a Late model used vehicle ( XX/XX/XXXX or younger ) that my interest rate would be lower ( 4.490 as indicated in the letter mailed on XX/XX/XXXX ). I purchased a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles. I checked my account on XX/XX/XXXX and noticed that my loam interested was listed double the quoted rate. I called in immediately to inquire. The representative that answered the phone told me that the miles had to be under XXXX. I responded that the miles are only XXXX, Then she said that it had to be a XX/XX/XXXX or younger. I explained to her that the representative told ne XX/XX/XXXX or younger. She put me on the phone with her supervisor XXXX. XXXX assured me that she would listen to the recording of the phone call and get back with me by later that day or Thursday ( XX/XX/XXXX ) by XXXX. I never heard back from her. I called again the following week. They explained that XXXX was out and they could not view it. I finally called back today XX/XX/XXXX and the representative told me that the tape was reviewed and a decision was made not to adjust the rate. I ask for a copy of the recording and she refused. The recording needs to be reviewed or by an independent non-bias party. This interest rate should be adjusted to what the representative told me. If that were the case, I could have accepted financing through the dealership of 4.5 %

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have bought {$16.00} and XXXX cents worth of merchandise from Kohls using Kohls charge on XX/XX/XXXX. As I did not get any statement for few days so I went online of XX/XX/XXXX and paid the balance on my account for same day as I learned in website that my due date is XX/XX/XXXX. But I do n't know if it was my or systems mistake that my payment got schedule for XX/XX/XXXX instead of XX/XX/XXXX same day. 

On XX/XX/XXXX I got a call from Kohls charge that I have XXXX dollars balance on my Kohl 's charge. I paid the balance and I learned that I have been reported 30 days delinquent. My complaint is that I did not get any notification that I am late or they did not get payment on time before reporting me late to bureau. I have an impeccable record of paying on time for last 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by navy federal and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XX/XX/XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with navy federal or go to court to vacat the judgement and now we are not able to pay our rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Student Debt Advisory Corp.
State: MD

Complaint narrative:
I called XXXX student loans which I was with originally. Since I had my student loan with XXXX since XX/XX/XXXX. I had three deferments showing hardship from being out of work and collecting government assistance. So XX/XX/XXXX I called XXXX because I received letter that I was due to start making payments. I called to let XXXX know that I would have to do another deferment because I 'm not working. I spoke to a women named XXXX. which just so happened to be a debt advisor she told me I should try the student loan forgiveness program where I make one-time payment of {$240.00} or so, and I would n't have to start making payments until I reach {$XXXX} a year. When I called I explained to her that I 'm calling XXXX XXXX to do deferment. My loan with XXXX is less than {$8000.00}, my loan was in good standing I only had one loan out, not like I had 4 loans out it was n't that serious for me to be switched to XXXX which my loan was increased by the way come to find out. I received a voicemail XX/XX/XXXX @ XXXX from a women named XXXX XXXX with Student debt advisor ( voicemail was unprofessional ) told me another payment was due if I did n't pay my account would be messed up. According to my knowledge it was a one-time payment and I did n't give her permission to automatically debit my bank card. XXXX insisted I look through disclaimer which she walked me through and sign and collect payment to get everything started, she also stated that they would most likely need a XXXX from XX/XX/XXXX showing what I made or if I did n't everything will have to be resubmitted if not returned in timely manner, which I failed to do because I felt like I was scammed. I was confused to who this XXXX person was and what are they, I have no knowledge when it comes to student 's loans which is why I wanted to stay with XXXX when I spoke to XXXX I thought she was affiliated with XXXX. If I did happen to call them by error, why did n't XXXX just say I had the wrong number and being that I am not working so that {$240.00} would n't have worked for you anyway if she knew her job and the peo0ple she would 've have determined that, I also understand people have a job to do and a quota to meet by playing people. I got scammed and I know from what I was told about their disclaimer which I was aware of is that they are their own company, they must be stopped they should 've not intervened. That loan that is open should now be disputed, because now everything is unclear to me. I was n't in debt to begin with nothing was pending or going into collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
We have a couple additional questions for Goldman Sachs to answer truthfully as long as Goldman Sachs answered all of the previous questions truthfully and under penalty of perjury. 
1st, Is Goldman Sachs a member of XXXX? 
2nd, Does Goldman Sachs have their own investor number? 
3rd, Does Goldman Sachs use other investor numbers for assets they purchase, such as our home that Goldman Sachs purchased from XXXX in XX/XX/2006? 
Thank you for your time

Company response to consumer: Closed with explanation
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: VA

Complaint narrative:
I remain extremely concerned that Experian fails to operate with integrity. I filed a complaint through your firm and Experian responded that they would follow up in 60 days. Experian issued a final report to me several weeks ago but have yet to update their response to your organization. I remain hopeful that filing another complaint will warrant immediate action. There are several XXXX accounts that are reporting on my credit report inaccurately. These accounts list that I filed a bankruptcy in XX/XX/2016 and XX/XX/2016 which false. I must assume that someone has compromised my identity and have opened these accounts without my consent. I have NEVER, EVER filed a bankruptcy in XX/XX/2016 or XX/XX/2016 or at any point in time in XX/XX/2016. Please delete these accounts from my file immediately. I am also requesting that Experian follows up with your organization in a timely manner. This inaccurate reporting is creating a significant financial strain and hardship. I believe that Experian is discriminating against me because of my ethnicity.

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 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: WA

Complaint narrative:
Two issues:
1. I did not receive the right to verify debt, and
2. Debt collector falsely reported XXXX accounts to credit reporting which has lowered my score.

I have asked them in writing, and via phone, to remedy this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to credit union in XX/XX/XXXX for a loan and was notified I had a serious delinquency of {$2700.00} from XXXX in XXXX, XXXX. Since I have never lived in XXXX, I disputed the account with Experian and contacted XXXX and was informed I needed to send an FTC report ( XXXX ). I went to the local police and prepared the proper forms. I provided a letter from my employer at the time, that I was working in XXXX, XXXX at the time this account was opened. The police confirmed the location I was living at the time in XXXX. I sent the report to XXXX XXXX, and they acknowledged this was not my account in XX/XX/XXXX. I went to get another loan from the same credit union in XX/XX/XXXX and the same delinquency was still on my account. I had to show them the letter from XX/XX/XXXX provided by XXXX XXXX, that this is not my account. I later applied for a mortgage in from XXXX XXXX in XX/XX/XXXX and it showed I had a serious delinquency ( XXXX XXXX ) and Experian is scheduled to remove this in XX/XX/XXXX. I am not understanding why this is still on my account and affecting my loans, credit score and interest rates because of this delinquency.

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