vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: CO

Complaint narrative:
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the 5 business day time frame of reporting the debt on XX/XX/2017. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, 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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I stated that numerous inquires and accounts that were on the report were not mine and I had no knowledge of these accounts and inquires, I was told that there was nothing that could be done and I would have to wait two years for the inquires to be taken off, or to call one by one and have them removed, I stated that i cant have an account removed when i did n't have one to begin with was told that there was still nothing to be done.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the following accounts with the CRA and they have come back verified and I them asked for a method of verification that was ignored. I am now providing proof that these accounts are not correct and that I have requested validation from the debt collector through this portal and that was answere through this portal. In Case number : XXXX with this agency XXXX refused to provide validation of the debt and the terms other then to say I owe them. If they refuse to provide this agency with the proper validation required by the FRCA how can the CRA get verification. All the accounts listed by XXXX on my credit report contains many inaccuracies that are hurting my credit report : since I have disputed them and the CRA has verified and I have requested a method of verication in writing demanding the name and phone number of the person they spoke with and what proof they received to verify this alleged debt and it was ignored I demand that all the XXXX accounts be removed at once from my report. Once again if this agency could not get verification of the debt how could th CRA per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
The Bank of America cleared a deposited check and I drew against it. At XXXX XX/XX/XXXX they paid a transaction for {$1000.00}. At XX/XX/XXXX they paid another transaction for {$24.00}. At about XX/XX/XXXX they declined a transaction and debited my account for the amount of the check. They say that even though they cleared the check, I am responsible for the bad check amount. In other words, they want it both ways. This is the absolutely worst bank practice, that penalizes the little guy for THEIR mistake. See attached.

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 2017-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tri-State Adjustments, Inc.
State: MN

Complaint narrative:
Tri-State Adjustment Inc. a collection agency located in Wisconsin is reporting a debt to the collection bureaus that is not mine. I have written them requesting them to validate this alleged debt to be mine and to remove this item that is being reported to both XXXX and XXXX credit reporting agencies. They only respond with continued threatening and harassment notices.

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute online through Experian in XXXX for late payments with XXXX XXXX. the dispute was resolved electronically as item remains the same. I then wrote a dispute letter directly to XXXX and received a response and letter stating the information they reported is wrong and they will update the late payments to current and paid as agreed. The letter was dated XXXX XXXX XXXX. I waited for the bearueas to be updated. XXXX and XXXX updated the account payments from late to current but not Experian. I called Experian today and spoke to XXXX and told him I received a letter for the corrections and that the updates needed to be done on my Experian report. He said I have to send a dispute and they handle it electronically. I advised him that I needed to send the letter to a physical person for them to verify the information so the late payments can be removed and he said no. he said I had to file another dispute. I told him that I do n't want an open dispute on my credit file and I had already disputed and received a response from XXXX. He refused to help me, He only gave me an address, I asked for a supervisor and he said for what because a supervisor wont help me and will tell me the same thing. I am not happy with the situation and I need this account to be updated and correted as the letter states from the lender. 
filing an electronic dispute will only yield a dispute comment placed on my credit file and will not fix the problem. Experian needs to accept the letter from the lender and verify the information just as if I were a mortgage company requesting a rapid rescore with valid documents. but instead I am treated like trash and my rights as a consumer have been violated. I asked for his complaint department and he said they wont do anything. I offered to send a copy of the letter for him to verify and he declined. he said it all had to be electronic. I would like a response and the XXXX XXXX late payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to be updated as current just like the letter shows it should be manually and not through filing another electronic dispute.

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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report my mortgage incorrectly resulting in me being denied refinancing even by the institution that currently holds my mortgage ( XXXX XXXX ). My current mortgage holder 's ( XXXX XXXX ) underwriting department indicated they are compelled to go by what is in my Credit Report although they have other supporting documentation. XXXX XXXX also provided me with a letter from their executive office confirming my claim that what Experian is reporting is NOT accurate. Experian keeps sending me cookie cutter response stating the " credit grantor has verified its accuracy ''. Its refers to the credit report. I not only submitted to Experian the letter from XXXX XXXX, but i also circled what was inaccurate on their credit report and referenced the letter. In addition, I pointed out that the negative according to their report status is due to drop off by XXXX XXXX anyway. 
Problem : XXXX XXXX I refinanced my home with my now ex. He took the refinance money which XXXX XXXX can confirm using bank statement and I provided copies of in Civil Court. In XXXX due to his shenanigans, foreclosure proceedings began. I pulled my home out of foreclosure and secured a loan modification with XXXX XXXX ( XXXX XXXX ) in my name only. In XXXX XXXX I was awarded a Quiet Title to my home and have been making payments on time without exception. 
Experian is report my mortgage as an individual account from XXXX XXXX until present which creditors are viewing as I was solely responsible for the foreclosure being initiated. 
XXXX XXXX 's letter clearly states that " ___ is the only one liable for this loan since the modification dated XXXX XXXX. I have enclosed the original Deed in Trust dated XXXX XXXX, XXXX, between ____ and ___ as joint mortgage holders. '' In addition, I provided Experian with a copy of their own credit report from XXXX XXXX, XXXX where they account was reporting by Experian as joint to further prove to them that what they are now reporting is NOT TRUE. The documents are there in their own data base along with XXXX letter generated from an executive in the president of XXXX XXXX 's executive office. 
Experian 's letter further states and I quote, " : we will not reinvestigate the same dispute again at this time. '' I take issue with this because it is clear Experian has chosen not to look at the evidence showing a preponderance of facts that their report is : misleading, biased, inaccurate and continues to adversely impact both my personal and business ability to become whole again and prosper. In fact, this is covert financial abuse.

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 2017-04-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I went to NFCU because I wanted to consolidate some major debt I had with some credit cards about a year ago, they gave me an super high Apr % which I have been struggling to maintain payments with. I reached out to my chain of command and was advised to reach out to them about using SCRA benefits which I qualify but they have denied me the opportunity to use that benefit. I reached out to all my other creditors with the same issue submitted my set of XXXX as requested and they were very helpful by placing me in the SCRA program which I have been able to manage payments. I hope something can be done to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
Sub : Reg. Account opening bonus {$350.00} Enquired and Verified several times with HSBC customer service through bank emails, phone calls and chat. I have been advised that the bonus promotion {$350.00} will be credited to my account by XX/XX/2017. So far it 's not credit yet on my checking account. Even discussed several times with customer service, the team is not knowledgable circling and not providing solution on my case. Hence, raising this complaint to resolve my issue : Few case history reference for the investigation : Checking Acct Inquiry ( XXXX ) Date : XX/XX/2017 We are pleased to inform you that our Online Processing Team has reviewed your request and confirmed that your account is eligible for the {$350.00} promotional offer. 
Your Checking Account should be credited with the {$350.00} by XX/XX/XXXX. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 Upon review, we notice that the {$350.00} Bonus is scheduled to be credited within the XX/XX/XXXX. 
Checking Acct Inquiry XXXX XXXX XXXX XX/XX/2017 : You will receive your {$350.00} bonus into your account within the next 7-10 business days. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Upon review, we notice that you have successfully set up two bills per month from your new HSBC Checking account via HSBC? s online Bill Pay for three consecutive months within 120 calendar days of your account opening. Please be informed that the last payment was initiated on XX/XX/2017. As such, you will automatically receive a {$350.00} welcome deposit into your account approximately within eight weeks from XX/XX/2017. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : We have submitted a case to have the status of your promotional deposit investigated. Please allow us some time to look into this. 
Now, I have been told that about the eligibility criteria investigation again, which was investigated and confirmed by customer representative in XX/XX/2017 itself. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Thank you for your patience while we researched your promotional deposit eligibility. 
Since the account open date was after the Fall cut off date we are reinvestigating your eligibility. Please wait until the next month 's results are out. You will receive the gift by XX/XX/XXXX if all the criteria are met. 
I have lost my patience and faith with HSBC and it 's poor customer service, hence I 'm raising this compliant. 
Please investigate and resolve my issue at the earliest. 
Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
XXXX XXXX of Bayview Loan Servicing , LLC, Customer Support called XXXX XXXX, ( mortgagor ), on XX/XX/XXXX @ about XXXX EST. XXXX XXXX 's call was in response to previous messages left by XXXX XXXX, inquiring as to why the XX/XX/XXXX & XX/XX/XXXX payments had not been posted. XXXX XXXX specifically told XXXX XXXX that her payments were being returned to her, as the home is going into foreclosure, as a result of a past due balance that Bayview Loan Servicing has NOT and can not verify the debt as being past due and owed. XXXX XXXX further stated that there are NO PAYMENTS on the account for the year XX/XX/XXXX-XX/XX/XXXX, which is totally false as XXXX XXXX have processed checks showing that each check was infact received and deposted by Bayview Loan Servicing , LLC & posted to the Loan Account number. However Bayview Loan Servicing has obviously misapplied these payments. On behalf of XXXX XXXX, I have previously sent RESPA letters requesting validation of this mysterious outstanding balance that Bayview Loan Servicing , LLC claim that is owed. To this date, Bayview Loan Servicing , LLC has NOT. To add insult to injury, XXXX XXXX further attempted to get XXXX XXXX to consider an UNNECESSARY Loan Modification for this unverified mysterious past due balance. As I was listening to the conversation via speaker phone, I asked XXXX XXXX/my mother to have XXXX XXXX Call my phone, as by Powers of Attorney I am authorized by XXXX XXXX and the POA has been received and acknowledged by Bayview Loan Servicing , LLC . Upon XXXX XXXX calling my phone, I immediately began a legal phone recording. XXXX XXXX immediately terminated the call. 
On or about XX/XX/XXXX, did in fact receive back ONLY XXXX of the checks. With a letter explaining that the XX/XX/XXXX payment was inadvertently dated XX/XX/XXXX by XXXX XXXX and there fore could not be deposited for the stale dating. XXXX XXXX then processed the payment for XX/XX/XXXX via phone with a customer service representative of Bayview Loan Servicing , LLC . 

XXXX XXXX maliciously and willfully misrepresented that the home was going into foreclosure, in an attempt to intimidate XXXX XXXX into agreeing to this unverified past due balance, and offered her two options. Pay the amount or Agree to a Loan Modification to include this mysterious past due balance. XXXX XXXX has intentionally and willfully violated the FDCPA, and other state federal consumer protection laws as well as banking laws. 

Bayview has in fact sent out a few Notices of Intent to Accelerate that are defective in that they all include a Past Due amount that is not past due at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I deposited a check for {$5000.00} on XX/XX/2017. It cleared my other bank on XX/XX/2017. Bank of America, however, sat on my funds for seven business days because they claimed that " check specific information '' indicated it was not collectible. This was a major inconvenience to me. I would like to know exactly what " check-specific information '' told them it was uncollectable under the Expedited Funds Availability Act. I await their response.

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 2017-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I paid the escrow shortage according to escrow analysis received from mortgage servicing company and payment was not applied correctly. Mortgage payment did not adjust to reflect the correct amount once escrow shortage was paid. Mortgage servicing company re-analysed my escrow account, causing my payment to increase above the amount listed in my ORIGINAL ESCROW ANALYSIS STATEMENT.

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 2017-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
One Main Financial is reporting to the credit bureaus that my loan was delinquent in XXXX and XXXX. This is not the case. I made my payments on time. I have brought this error to the attention of One Main and also disputed the pay history with XXXX, but One Main will not correct the reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Everything started from the following dates the Month of XXXX ; XX/XX/XXXX up until XX/XX/XXXX with me making cash deposits into NFCU ATM in XXXX, Maryland in XXXX XXXX County ATM Machine. I stick to the same patterns every month by depositing cash into NFCU atm 's. I thought cash post instantly regardless of the time of the cash deposit 's. For at least starting from XX/XX/XXXX my bills were getting paid by NFCU, No return fee 's for my paid items, etc. when I made these cash deposit 's. I have an agreement starting back from XX/XX/XXXX with XXXX they 'll deduct from my husband and I joint checking account every two weeks when I get paid they 'll deduct on my pay dates {$41.00}. I never had a problem until XX/XX/XXXX, NFCU just decided to start start charging me return item fee 's. I stuck with my same process by putting cash within our checking account. I requested an audit on my account from NFCU Starting back from XX/XX/XXXX until until now regarding " All '' deposit 's made into our account. I requested in written through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX office and NFCU Priority email box to complete an Audit on our account. I even spoke to XXXX XXXX on XX/XX/XXXX about requesting in writing an audit done on our account. As of yet I have n't received my information. I aso spoke to a supervisor through customer service on Tuesday, XX/XX/XXXX XXXX to make sure that my XXXX bill will be paid, if I did n't call to verify that my XXXX will be paid. NFCU would purposely returned that item and charge me a fee. The supervisor advised me that if a consumer makes a cash deposit through NFCU ATM before the XXXX cut-off time they will pay that item for you. I receiving mix signals from NFCU Employees saying different information regarding a consumer making cash deposits through the ATM machines. On, Tuesday XX/XX/XXXX, I purosley went into the NFCU XXXX Maryland branch around XXXX I asked the teller will my cash post to my account he said " Yes '' all cash depsoit 's post 's immediately going into the branches and using the NFCU Atm 's machines. So I feel that NFCU are performing unfair practices on consumer 's account 's so they can make money by purposely returning items to hit the consumer with {$29.00} fee ( s ). I do want my audit done regarding all deposit 's made starting from XX/XX/XXXX up until XX/XX/XXXX. I want them to return that {$29.00} back from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance. This is clear they did n't properly investigate my concerns.

Company response to consumer: Closed with explanation