vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF HAWAII CORPORATION
State: AZ

Complaint narrative:
Dear CFPB, Reference ( ALLEGED ) Judgement # XXXX XXXX I owned a vacation rental property in the state of Hawaii, Island of XXXX of which Bank of Hawaii foreclosed and sold at the courthouse steps 3 years ago of which was represented to me as payment in full. To my surprise, the bank is now threatening to collect an " ALLEGED '' Deficiency Judgement -- - 4 years later in the amount of {$310000.00} I WAS NEVER CONTACTED BY BANK OF HAWAII AFTER THE FORECLOSED SALE! 

I request the CFPB to investigate this matter as I have NO record of any past " LEGAL Advance Notifications '' from the bank, inclusive, of a full accounting of how the foreclosed sales overages were legally applied at the time of foreclosure. Further, I request proof/verification if the bank was ever reimbursed for any perceived losses via ( LOAN LOSS RESERVE FUND )??? 

I request the Bank Of Hawaii to forward to me ALL appraisals that were by law ( LEGALLY ) required prior to the foreclosed sale to ensure proper credit back to the debtor was not an issue. 

With Regard to the ALLEGED Deficiency amount of {$310000.00}, please disclose exactly how the Bank intends to apply this amount???? Please provide a full accounting of the intended applications. 

I request CFPB to ask Bank Of Hawaii to disclose the Name of the Banks FULL TIME in House Fully Compliant Attorney, inclusive, of the attorneys " up to date licensing & certifications ''. Additionally, was the Banks Loan Officer fully compliant at the time of issuance of the original mortgage committal. Please provide me with a copy of the Original Loan Commitment To Fund.

Please disclose who the Banks Full Time Compliance Officer Is and if the banks compliance officer is fully up to date on ALL current licences & certifications??

Please issue the ( Original Mortgage Document ), inclusive, of ALL Proper Disclosures.

Lastly, please disclose as to whether the Bank had any advance knowledge of any potential ( CONFLICTS OF INTEREST ) with regard to the buyer of my property at the time of the foreclosure???

Please respond ASAP to this -- - ongoing process.

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax is reporting incorrectly the XXXX partial account number XXXX as ( 60 ) plus days past due. ( Please see page 18 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I came to know about the Hard inquiry on my credit score from XXXX XXXX XXXX XXXX on XX/XX/2018. It is wrong information. 

Secondly, I found another wrong Hard inquiry on my credit score from XXXX card service dated XX/XX/2018. 

Kindly remove both wrong information and increase my credit score accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
US BANK charged me Monthly Maintenance Fee on XX/XX/2019 due to I do not meet the monthly requirement. 

However, I join their " Because Youve Earned It '' in the early XXXX to avoid the fee charge. The application web page is : https : //www.usbank.com/bank-accounts/checking-accounts/credit-score-checking-account.html On their website, they claimed : Because You've Earned It members get a consumer Gold Checking Package with no monthly maintenance fee, full access to XXXX XXXX , and express delivery for replacement debit cards. 

Based on the statements, I got what ever I need after becoming a member. But, they said I have to covert my account into a gold checking account to get the benefits. However, the y did clearly and consistently make a clear statements in the whole website. Since I trust their statements, I thought I already got the benefits ( no monthly fee ). But, they charged me feee in the XXXX. 


They did not state things clearly and charged me the 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 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 I received a check from my employer for XXXX dollars. I deposited the check with Bank of America on the same day to receive a notice that my check will be held till XX/XX/2019. I called on XX/XX/2019 to ask if the funds can be released earlier as my employer messed up with my direct deposit and I needed funds for my car payments, rent, credit cards, medicine ( my wife just went through surgery ), and groceries. When I spoke to the representative on XX/XX/2019 at XXXX XXXX   EST, I was informed that any check or ACH payment from XX/XX/XXXX forward would go through without any fees since there is a pending check on hold and that when the check cleared it would just be reconciled when it cleared, this was all on a recorded line. I explained that I did not want them to go through if they were going to become non sufficient, I was informed I could process these payment without any issues however I would not be able to use my debit card. On XX/XX/2019 I checked my account and noticed all my ACH payments had gone through but with NSF fees. I called Bank of America to figure out why and to get these fees reversed and was explained that the representative provided me incorrect information on XX/XX/XXXX and that all my payments would be returned. This now makes me late on all my payment with accumulated fees from my creditors. I spoke to a manager and to no avail was completely turned down on Bank of America taking any accountability and allowing these payments to go through without any fees. I asked to have my check returned to me so I can cash it and was denied the right to my own funds as well!! At this point I either want my funds available as this is not a federal regulation and my payments to process with all fees refunded or I want my check returned to me, fees removed and my account closed immediately. I have never dealt with a bank holding my funds with no access to any money for my bills or food for this long. This needs to be fixed before further action continues.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Good afternoon I need to Filed a complaint on Equifax due to Negative reporting on two XXXX #  XXXX # XXXX I received a letter from Office of the President of XXXX after his investigation He found that XXXX is reporting to XXXX / Equifax and XXXX as closed by with 180 days delinquent with a balance of {$1800.00} But when I look at Equifax report dated XX/XX/19 however Equifax is showing a balance of XXXX how is this so?? and XXXX is saying XXXX this is inaccurate information and needs to be delete from my credit file. again I want to remind you this information is verified via the source see attached files! cfpb even have a copy of this! 

XXXX XXXX is reporting per the president office is reporting XXXX but However Equifax you are reporting XXXX again keep in mind this is written in black and white from the source Please delete these two accounts for erroneous reporting fcra clearly states that all information must report 100 % percent accurate! thank you also before I go you have hurt my ability to obtain anything with this Negative reporting Please delete these two account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On a rotating basis, I request my free annual credit reports from the 3 credit agencies every 4 months. I have no problems with XXXX and XXXX. For XXXX  and XXXX the online requests always work and I receive my free annual credit report without drama. Equifax on the other hand, fails every year. Every time I request my free annual credit report from Equifax the online request responds " Online Delivery Unavailable ''. I am 100 % certain that I answered the questions correctly. There was one question about a credit card I've had since the XXXX and the other questions had nothing to do with me. I answered accordingly. I am convinced that Equifax intentionally attempts to frustrate and deny the online requests because there is no money in it for them and they hope to force people to buy some of their products. The Consumer Financial Protection Bureau should take enforcement action against Equifax and force them to do what the law requires them to do - provide free annual credit reports when requested by consumers to do so. On XX/XX/2019, I sent Equifax a letter demanding they provide my free annual credit report. Enclosed with the letter was a copy of my Social Security Card and Texas Drivers ' License - the documentation that Equifax required. I've still not received my free annual credit report from Equifax. Equifax is flagrantly violating the law and inconveniencing consumers. Please force Equifax to immediately provide my free annual credit report as required by law. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX is sharing and reporting my information. As of XX/XX/2019 against my will. I have tried to reach out to the company but have not been able to opt out of the service. This company is confirming bankruptcies incorrectly with XXXX when case law doesnt allow these types of reports to be verified by 3rd parties. To my understanding, they must be verified by the original source. This company is not doing that and theres no way to opt out of the service. Many of their websites phone numbers do not work. So theres no way to contact them. Also they have emails on the website that are listed as a contact but are not valid emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I came to know about the Hard inquiry on my credit score from XXXX XXXX XXXX XXXX on XX/XX/2018. It is wrong information. 

Secondly, I found another wrong Hard inquiry on my credit score from Jpmcb card service dated XX/XX/2018. 

Kindly remove both wrong information and increase my credit score accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX I returned and insurance check of {$2000.00} to Wells Fargo as the representative instructioned. It was to reimburse them for a cancelled insurance which was canceled within 5 days. In XX/XX/XXXX my escrow had doubled. I contacted wellsfargo they said they never received the check. XXXX XXXX did an investigation and found the check that had been cashed on XX/XX/XXXX by Wells Fargo. XXXX stated they'd put it towards my principal and the rest towards an escrow as I didn't pay my payments. I have bank records that prove I paid my payment, if they did that why did not the whole amount go towards the principal. My house payment has gone up by XXXX XXXX dollars and I was told by corporate it had been more than 90 days and they couldn't do anything about it. Wellsfargo are the ones that told me to send the check into them. I am having a hard time finding in my documents anything but they applied anything to.

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 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
I can no longer login to my account online. I have spoken to a few representatives. I have not received a statement in almost a year. I can not see my E-statement online. I don't have my card number anymore. I don't have any statements. I can not login online. I have been bounced around and no one is able to help. How can I restore access online? I have been advised my account is restricted due to returned mail. Its probably due to not receiving a statement in almost a year.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have 2 more violations of the FCRA from Experian. I submitted a dispute on two accounts : XXXX/XXXX  and XXXX on XX/XX/2019. Experian notified me that they were in receipt of the disputes on XX/XX/2019. I was subsequently notified on XX/XX/2019 that the results of this dispute were ready. The date of last update shows that Experian did NOT conduct an investigation per 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681s-2. The dates of submission to the dates of " completed update '' show that Experian simply ran out of time to complete an actual investigation and simply put out old information that is inaccurate.

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 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
My student loans are with Navient Solutions , LLC . This company has forced me into forbearance in that the would not lower my monthly payments to a payment that I would fit me. On XX/XX/2019, the company approved a forbearance only because they denied me a deferment. The reason the company said they denied deferment was because " Your income is greater than the poverty level guideline for your state and family size. '' I would have never asked for a deferment or a forbearance if the monthly payments were at a payment that I could handle. In XXXX of XXXX, I emailed the company and told them that the monthly payments were too high, even after I applied for income base repayment. The company refused to deny payments in my best interest. Therefore, it pushed me to either defer my payments or apply for forbearance. 

I also had a loan with a school that was a for-profit school, XXXX   XXXX. This school is no longer open and credits were not transferable to any college. The college was not accredited.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello This complaint is against the credit reporting company Trans Union. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified Transunion with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX  XXXX XXXX. Trans Union never responded to my verify investigation request. 

I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told trans union that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Please investigate these compnaies because what they are doing is wrong

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 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have got a 30 day late from CapitalOne report on my credit report because I never received my statement on time, after finding out that I had owed them I quickly sent out {$75.00} check with the USPS postal service as a 2 day deliver with tracking number XXXX ( unfortunately usps does not keep tracking longer then 120 days ) but during this time CapitalOne did receive the mail because it showed with tracking it was delivered but for some reason they never applied the credit to my account. After finding this out I quickly paid them over the phone or online I don't remember exactly but it was paid eventually. now they have reported a 30 day late in my credit report which it causing me damages for applying other credit cards that give me higher interest rates do to late being reported. This problem was caused by a chain reaction 1st being not getting the statement then not receiving my check if I didnt have the 1st problem we wouldn't have this problem. I have requested tracking number of the statement with capitalone which they cant provide me. there is no proof that they sent me a statement so I can know what has happen. If they cant remove my 30 day late or so me proof from there end I was late because of my fault then they need to remove the 30 day negative report from my credit report, I have contact them many times only to get a canned response back that its verified and late from there end. Where is your proof its late? Cap1 for the payment late because they never sent me a statement to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have one open student loan with Navient. I send a payment every week to Navient with the loan number listed in the memo of the check. They apply the payment to 6 other loans that have been closed and sent to collections to be handled by a different company despite the fact that the loan number is listed on the check. I have not made a payment on the closed loans since XXXX but in my credit report it shows that I am paying monthly on them. I am not paying Navient at all for these loans. I have talked to them four times to have them correct this and apply the payments correctly and they will not. I have previously filed with the CFPB and they corrected it momentarily and then went back and did the exact same thing. I want all payments ever sent to Navient to be only applied to the open loan, and it corrected on my credit report for both the open and the closed loans. The last payment made to any closed loans was in XXXX and was sent to XXXX   XXXX, not Navient,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
Duplicate collection accounts from one collector show up on all three reporting agencies, XXXX, XXXX  and XXXX. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : R.S. Clark and Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report

Company response to consumer: Closed with explanation