vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Two accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the University of XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the University of XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the University of XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the University states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.

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 2017-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America put me in foreclosure says I owe {$9000.00}. After finally receiving the first 6 years loan history payments they did not pay my principal payments for the first five yearsyears, the promissory note reflects 7.130 interest rate at {$490.00} paymentspayment each month for 15 years. we received monthly statements in 99 that stated that we were only supposed to be charged {$9.00} per day for interest the interest rate of 7.130 comes out to {$10.00} a day then if you figure {$9.00} per day the interest rate should be 6.5. if you amortize 7.130 + interest your payment should be {$490.00}. We were overcharged on interest along with late fees and there 's are several payments that are not on the payment history they also applied to much to interest for multiple years breaking the usery lawlaw. This is a breach of contract and they have ruinedvour credit for years we want our money back timed XXXX compensated for credit damage and our title to our house cleaned there are many more servicing issues along with this but way to much to include.

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 2017-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited XXXX money orders on XX/XX/XXXX and XXXX money orders on XX/XX/XXXX. I was not notified of a hold on the first deposit until after I already deposited the money orders on XX/XX/XXXX. Apparently, Bank of America believes that one of the money orders from the XX/XX/XXXX deposit is uncollectible and as such has placed an extended hold on that money order, plus all XXXX money orders in the XX/XX/XXXX deposit for no apparent reason. I have attached all of the receipts that should be relevant to this issue. The bank branch has reviewed the physical copies of most of the items and has informed me that they are still unable to release the hold. The hold times are in clear violation of Regulation CC. The hold on the one money order from the XX/XX/XXXX deposit has been released as the hold was apparently set to expire at XXXX on XX/XX/XXXX. The bank has no reason to believe that any of the money orders deposited in the XX/XX/XXXX deposit are uncollectible. They are simply using the second deposit hold to extend the first deposit hold longer than what may be legally allowable if the first deposit was subject to an exception hold. Not only is this a clear violation of the Regulation, it effectively allows the bank to hold funds indefinitely as long as deposits to an account are being made.

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 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please remove the following account from my credit report the following accounts was disputed before and deleted from my Experian credit report.Upon checking my credit report again I received an alert that a collection was added to my credit. 
XXXX please see attachment In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. 
An explanation of how the amount owed was calculated. 
Copies of any agreements signed obligating you to pay for the debt. 
Provide copies or other verification of any judgment ( if applicable ). 
Prove that federal and state statue of limitations applicable to the debt have not expired. 
Identify who the original creditor of the debt was. 
Provide verification that the collection agency is licensed to collect in my state. 
Provide their license numbers and registered agent. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from 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 explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America has denied efforts to assist with a loan workout or modification of homeowners line of credit. Refuse to assist in refinancing or repayment plan, we have made several efforts to contact Bank of America to get needed assistance to stay in good standings. Instead of helping with other options or programs they consistently are harassing the elderly and are now threatening a XXXX year old senior citizen with 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 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA COMPASS BANK Online Banking App states if deposited before XXXX XXXX, that day is considered a " business day '' ... .4 business day hold ... i deposited my check at XXXX XXXX thru said banking app ... .CR states the deposit happened at XXXX XXXX ... .NOT CORRECT So Compass Bank says Friday is not considered a business day. 
Compass bank is holding my funds until Thursday XXXX. which is longer than 4 days. 
CR states that i was made aware of " terms may change '' when i opened the account. I was NOT made aware of said " caveat '' bc i 've had this account for years and the banking app only became available recently. 
Compass Bank CRs ca n't or wo n't tell me where my check is in this holding process and wo n't explain the holding process either. CR states Federal Regulations are at fault but i agreed to no such scenario. CR states there is nothing that can be done and will NOT give me a phone contact # to call the Compass Bank corporate office. ( which again is unethical as this institution holds my $ $ and will not give me the appropriate contact info i desire ) Online Banking App is misleading and Compass Bank practices are unethical to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refused to properly validate a tax lien on my credit file after 3 months of correspondence from me with affidavits and calls. They simply stated that they validated this lien with the states county and court. I asked them to validate the specifics and they have not. 
However, I spoke with both entities and they informed me that they had NO correspondence with credit bureaus. This is untrustworthy practices by Equifax.

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

Complaint narrative:
I am looking at my Equifax credit report. On all of my revolving accounts there is a note stating " Amount in high credit, is credit limit charge ''. Which is inaccurate information reporting to my Equifax credit report. All of the credit cards are at 10 % -30 % of limit and are paid down to XXXX balance by due date. Because of this noted statement on my report, it is affecting my score. Please remove this inaccurate statement. 


Revolving Account Number : XXXX XXXX Payment Responsibility : XXXX Authorized User Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : Monthly Payment : {$20.00} High/Limit : {$1400.00} {$1400.00} Account Status : XXXX Past Due Amount : {$0.00} {$0.00} Comments : XXXX Show Details XXXX Equifax XXXX XXXX Account Type : XXXX Account Number : XXXX XXXX XXXX Payment Responsibility : XXXX Date Opened : 03/2017 XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Amount : {$81.00} {$81.00} $ XXXX Monthly Payment : {$0.00} High/Limit : {$500.00} {$500.00} {$500.00} Account Status : XXXX Past Due Amount : {$0.00} {$0.00} {$0.00} Comments : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
This is regarding CFPB # 's XXXX and XXXX. I am attaching the first XXXX pages of the approved loan adjustment agreement ( Loan Modification Papers ) that I received from XXXX on Thursday XX/XX/XXXX. I had just wrote to you last Saturday, XX/XX/XXXX regarding another issue with Bayview loan not crediting my account where they have admitted fault on wrongfully foreclosing and adding a plethora of charges and fees to my loan regarding the wrongful foreclosure These have yet to be corrected and I have now asked 3 times to no avail. I received a call from a XXXX in the Customer Advocacy Team Department saying they were in receipt of the CFPB letter and assured me that 1 ) I would be receiving an answer on my loan modification, 2 ) the current foreclosure ( XXXX XXXX ) auction date of XX/XX/XXXX is ON HOLD, and 3 ) that I would receive a letter explaining the credit ( s ) to my account where Bayview 's errors from the wrongful foreclosure and any other fees/charges were put on my account and also regarding my NOE letter from XX/XX/XXXX. On Thursday XX/XX/XXXX, I received the loan modification papers from XXXX. I was approved. However, I was n't happy because NO credit of ANY TYPE is included to adjust the amount owed to Bayview. I called XXXX to let him know this. XXXX told me XXXX was unavailable and XXXX said XXXX only was letting me know that my letter from CFPB was received and if I had any other issues. I told her I need to talk to him regarding our conversation she said I have to talk to XXXX XXXX. I called XXXX to let him know the credits are not included on the loan modification papers. XXXX tells me I will have to write a letter to the Bankruptcy department but send to his attention regarding my credits not showing. I asked why do I have to write ANOTHER letter when I have been waiting since XX/XX/XXXX for these credits to appear and for Bayview to rectify this entire mess. I said I have written 3 letters regarding my credits as it is. I asked if I could please talk to the bankruptcy department. XXXX said he can not put me through to that department but that we have time and sarcastically ( as he usually is! ) said you said that XXXX said the foreclosure is on hold, did n't you? Why do n't you have XXXX call me ( this is the realtor that I was trying to see about selling my home that said he would help me with my loan modification to make sure it goes smooth, he would have to charge me XXXX and took a check for XXXX from me - all he has done is had me sign a paper stating I am allowing him to talk to XXXX XXXX and has called XXXX about three times - NOT HAPPY WITH " XXXX XXXX XXXX ''. continued on # XXXX of this form on " My Information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XX/XX/XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Equifax ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been in constant contact with CitiMortgage regarding a short sale of my home and have been working with a company that is assisting me. Following is a summary : We have direct communication with the negotiator and his name is XXXX XXXX. Previous offer was declined because it was only {$200000.00} and the Buyer cant increase the offer. The offer was terminated and we got a new cash offer from a new Buyer with {$220000.00} offer price. 


XXXX XXXX : New offer of {$220000.00} was sent to Citi Mortgage since they required this amount so that they will accept for the short sale. Offer sent together with Closing Disclosure and Buyer 's Proof of Funds. 

XXXX XXXX : He said that he didnt receive the Closing Disclosure so I sent it the same day together with the vacancy letter that he requested. 

XXXX XXXX : He said it was submitted to a closing negotiator and has 5-10 business days to review. 

XXXX XXXX : Email received from XXXX XXXX ( Liquidation Negotiator ). He asked some Buyer info and other documents which was provided the same day. 

The negotiator is out of office and will be back XXXX XXXX. If I call to the Point to Contact named XXXX XXXX, he will always refer me back to the negot ( R ) iator. He said once the file was endorsed to the negotiator he ca n't do something about it because the Negotiator will be the one who will move the file. 


XXXX XXXX : Below is the email from the negotiator : Good day! 
I appreciate your follow-up. This offer is with the investor at this time. No determination or request has been made yet. I will provide the determination to you as promptly as it is returned to me. Thank you for working with CitiMortgage. 
I follow up on this daily but they reply once every week that is why it was very slow. This was also escalated to FHA HUD via XXXX XXXX ( XXXXXXXXXXXX my information : Name : XXXX XXXX XXXX XXXX XXXX # XXXX Type of loan : FHA loan Lender : Citi Mortgage XXXX XXXX XXXX XXXX. XXXX MD XXXX Can you assist me so that the buyer will not get upset and not buy my house?

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 2017-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was contacted by Discover student loans in XX/XX/XXXX and was told that my in school deferment had expired and that I needed to reapply and that it would take approximately 4 weeks approve and to call back. I contacted Discover again in XX/XX/XXXX and was told I received misinformation but that I may have additional deferment time and that they needed to look into things further. During this time I was speaking to Discover daily and receiving different information every time I spoke to them. I informed Discover that I could not make payments for the full amount of XXXX dollars because I am in school completing my XXXX degree and my family was preparing for a move across the country because of my husbands military status. Finally in XX/XX/XXXX an account manager informed me that if I made payments of XXXX on XXXX of the month that I can have a rolling delinquency and my account would not go into collections status. Discover contacted me this week and told me that my loan was 92 days past due and that they had reported my account to both my and my co-signers credit reports. When I spoke to an account representative he informed me that he saw where the account manager had given me the information in XX/XX/XXXX and that he could see that I had been making the payments on the XXXX of the month since but that the information I was given by the account manager was not true. He also informed me that had my account not been placed in collections status that my co-signer could have been removed from my loan but that " they do n't like to tell people that '' and now it was to late to do. He also told me that because they purchased the loan from XXXX that they can not do anything for me and that their hands are tied.That they are not honoring the terms that they honor for their own loans but instead are sticking with the originally terms.I have received misinformation from Discover at every turn and honored the agreement that I was told would keep my account from reaching default status in XX/XX/XXXX but I am continuously being lied to and now it has seriously affected my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I receive XXXX income on the XXXX of ' each month. My XX/XX/XXXX XXXX payment was inadvertently sent to the incorrect PNC checking account. I notified my local XXXX office and my bank, PNC. I held a three-way call so we could resolve the matter. PNC was able to locate the funds which was being held in another customer 's account ( name withheld for privacy reasons ), however they only placed a hold on the customer 's account. PNC initially stated that they could transfer the funds to my account, but later explained that the government would need to re-call the funds and re-deposit the ACH ( Automated Clearing House ). However, PNC did not offer a " provisional credit '' which would have prevented additional fees and overdrafts to our account ( my spouse is an account holder as well ). PNC agreed to refund {$660.00} in fees charged to my account if I provided a letter from the government admitting fault. I was able to obtain this letter from the government and it was provided to PNC Bank immediately. However, a lead at PNC decided to rescind the verbal agreement and was only willing to credit my account approximately {$310.00}. XXXX called to notify me of the change in decision. Additionally, I was told that, as a bank, " PNC had to make money too. '' XXXX contacted me several days later and was also involved with the issue of not crediting the agreed upon amount. I recently spoke with XXXX who was extremely helpful and escalated the issue in a attempt to reach my desired resolution. The last conversation I had was with XXXX on XX/XX/XXXX, who only stated, " We are not going to be able to refund any further fees. '' There was no explanation except, " We already refunded fees. '' This is completely unacceptable since he ignored the purpose of my call and the outstanding problem. The major issue are the bank fees which are continuing to accumulate and we have now paid PNC over {$1000.00} in fees which should have been resolved from the beginning instead of compounding the problem. For example, my recent monthly deposit in the amount of {$1900.00} { XXXX was paid to PNC and only {$700.00} was paid to me }. This same issue began in XX/XX/XXXX and has continued through XX/XX/XXXX! PNC should review the way they handle their financial institution along with excessive fees they charge customer.

Company response to consumer: Closed with explanation