vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have a HELOC line of credit at Bank of the West. I recently took an advance ( {$200000.00} ) against the line and paid it back over several payments. I made the payments at the branch. When I checked the posted date of the payments on my account they were over a week after I had made them at the branch ; 11 days for one and 8 for another. The deposits were made on XX/XX/XXXX and XX/XX/XXXXand not posted untilXX/XX/XXXX. I was charged interest for these days. 

I contacted the bank and they told me that the branch system and the loan processing systems were different systems and the posted date that the loan processing department used may not be the same as the date that the payment was made at the branch. They initially asked me to prove the deposit dates at the branch by giving them the receipt ; however, I do not keep those and most people don't either. They eventually were able to confirm with the branch on the deposit date correct the error. 

I have had this line of credit for several years and have taken many advances and payments. However, I did not keep track to make sure that they posted the payments correctly. I assumed since they were a bank, and everything was electronic these days, it would be done correctly. Because of this experience I asked them to audit all my payments to check posted date of the payment against the deposit date at the branch for the entire history of the line. They informed me they were not able to do this because they don't have the transaction record at the branch. I think it is absurd that they would not retain this record.

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 2018-03-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Violations of numerous Federal and State Laws and Agreements to include : The Dodd-Frank Act, Title 12 Chapter X 1003HOME MORTGAGE DISCLOSURE ( REGULATION C ), Title 12 Chapter X PART 1014MORTGAGE ACTS AND PRACTICESADVERTISING ( REGULATION N ), Title 12 Chapter X PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ), Title 12 Chapter X PART1026TRUTH IN LENDING ( REGULATION Z ), New York General Business Law 349, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, as well as breach of representations and warranties.

A propertys legal description identifies it and distinguishes it from any other property. An error in the legal description of record becomes an obvious title issue and has a significant effect on any applicable documented agreements. In this case, three recorded defective mortgages. As outlined in attached, the clear and convincing evidence provided illustrates that both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX lack of quality control procedures, due diligence, breach of representation and warranties, attention to detail, unethical business practices and non-compliance with relevant underwriting guidelines and applicable laws has rendered all three notes and mortgage agreements ( XXXX, XXXX, XXXX ) completely invalid and unenforceable. Both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX conduct is indicative of fraud on borrowers, fraud on investors and a fraud on the courts ; especially when wrongful notifications and summons for foreclosure are brought forth by both parties without having clear and convincing evidence of a bona fide security interest in a property. In several ways, both companies negligently originated, recorded, serviced, securitized and/or sold these significantly defective loans to the secondary market, which are predominantly and legally null and void. Their unconscionable and seemingly unethical actions have caused great stress and anguish upon my remaining family as we continue to grieve our parents loss and are forced to defend the loss of our childhood home. Knowing the debt was invalid and unenforceable ; XXXX continues to threaten our childhood home of nearly 50 years with foreclosure, without cause. New York General Business Law 349 strictly prohibits such evident and deceptive trade practices or acts that are being committed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Our proud, hard working, yet financially unsophisticated parents, fell victim to predatory lending and deceit. See attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On or around XX/XX/2015 I called to make a payment on my account at that time the representative from synchrony bank told me that I just needed to pay a XXXX dollar payment to bring my account balance current. I made a XXXX dollar payment, long and behold my account was still delinquent and then turn over to collections for charger off! I believe there was a communication/language barrier and this has been inaccurately reported! Had I known and been informed otherwise, I wouldve made a payment accordingly to keep my account current and not let it get delinquent. Now this is being reported as derogatory on 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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have contacted the credit bureaus TransUnion and XXXX about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 2018-03-22 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: CA

Complaint narrative:
Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX 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 2018-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I purchased my first home, I was then unmarried and it was under the name XXXX XXXX. During escrow I paid all the closing costs which included the back taxes on the property. 
wells Fargo sent me notification that I did NOT pay the back taxes. When I contacted them to correct this they continued to deny my substantiated claims. I KNOW they were paid by me for two reasons.

1. It said right there in the closing documents that the taxes were paid by me. 2. When I contacted the County of XXXX XXXX Tax assessor they told me that they got the payment via escrow check and that they received " zero funds from Wells Fargo and if they had they sent them back, due to those taxes being paid already '' For over a year I called Wells Fargo weekly to resolve this issue. I faxed them, emailed them and mailed them on SEVERAL Occasions ( which I have all documented all the relevant information regarding this issue. Every single time they gave me the runaround and insisted of discharging me the almost two thousand dollars. They even threatened to add XXXX a month to my mortgage beginning in XXXX to " satisfy the unpaid portion of taxes they paid on my behalf '' ( which of course they never paid because paid them ). 
I meticulously recorded each phone call and each instance I sent them the information. I had to refinance my home and call the XXXX XXXX XXXX  in order to get them to admit that they did not pay the back taxes on the property. 
While the XXXX XXXX XXXX made them pay me back those monies they tried to stea to pay me back for refinancing my house, which was XXXX. I feel they still owe me this money for refinancing because I would not have had to refinance had they listened to me to begin with. 
What they did was blatant theft. 
I will be happy to scan and email or copy and mail my entire file of this affair for this lawsuit if it will help. Please let me know. All of my contact information is on your included form and at the end of this letter. 
Sincerely, XXXX XXXX ( formerly XXXX XXXX ) ( XXXX ) XXXX-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 2018-03-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Checked my Equifax credit report and found inaccurate information that I wanted to dispute. I called the company that is filing the correct information and started getting things covered on that end and they're trying to take care of it, but I also wanted to submit a dispute with the credit reporting agency to make them aware from my end as well. However, they direct you to the website - https : //www.ai.equifax.com/ - to submit a report. This website does not load, just states " please wait for website to load '' and after 15 minutes in XXXX XXXX, XXXX, or XXXX, it did not load. There is no other way given to report a dispute. When a credit report can affect your ability to get a job, a place to live, or basically any aspect of life not being able to correct inaccuracies can have a devastating effect on people 's lives. I would like to report equifax for this issue, as well as would like to be contacted with another way to file the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: CA

Complaint narrative:
Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX 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 non-monetary relief
Consumer complaint received 2018-03-22 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: CA

Complaint narrative:
I believe Navient has a major issue with the way they are processing my payments. I have Auto-Pay set up, the payment then goes through my XXXX XXXX XXXX account/shows up as a charge in my bank account, then, fast forward a few days and I get a notice from Navient saying my " Payment Reversed '' and the loan is now delinquent. This has happened for several months now. I finally just got off the phone with both my bank and with Navient. Navient states that they have my correct Bank account number and routing number and are insisting that this is a problem with my bank. My bank shows no history of Navient trying to charge my account On XX/XX/XXXX, my loans came out of forbearance, ( Navient told me I should use forbearance rather than deferment ), knowing my account was set up for Auto-Pay prior to the forbearance, I left the account alone, knowing to be paid automatically through Auto-Pay.

On XX/XX/XXXX, I got an email from Navient stating a " FFELP 1st Delinquency Notice ''. However, my account was set up on Auto-Pay so this should not have happened. XX/XX/XXXX, I receive an email from Navient stating " Payment Not Processed '' on all of my loans connected to the Auto-Pay and also an email stating " FFELP 2nd Delinquency Notice ''.

At this point, XX/XX/XXXX I call Navient, speak to a representative and we decide to RE-ENROLL in Auto-Pay and the rep placed me on a 1 month forbearance resuming payments XX/XX/XXXX. XX/XX/XXXX, I receive and email from Navient approving my Auto-Pay enrollment success.

So, I sit back and wait thinking my payments will go through and I will be back on track with proper repayment status. XX/XX/XXXX, I get an email from Navient stating my " Auto-Pay Terminated ''. And at that point I made a DIRECT payment through my bank account that showed up in my bank account, which was then later " Reversed '' by Navient. XX/XX/XXXX, I RE-ENROLL for Auto-Pay a SECOND time and receive an email from Navient stating " Auto Debit Enrollment Approved ''. XX/XX/XXXX, I get an email from Navient " Payment Not Processed '' on ALL of my loans.

I just called Navient and they suggested I make a payment using my debit card over the phone, which I did. They insisted that it was an error on my bank or my part.

I am frustrated beyond belief. I am trying to honor my repayments and maintain a good standing but Navient is making it EXTREMELY difficult to repay my loans. I believe there is an error in their payment processing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: MS

Complaint narrative:
I filed for bankruptcy almost eight years ago and it was dismissed in XXXX of 2011. I have been asking all three bureaus to either remove the bankruptcy from my credit report or at the least show the updated information, that it was dismissed and remove the balance. They have refused to respond to my numerous letters and have not taken any action as far as I am aware. I have also sent them the discharge paperwork, which I will include here.

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ Data International In. Has called not only me but my husband as well. When we are at work, at night, or even when we are driving. We explain that we can not talk at the moment and that they can call us at a later time and we usually give them a time to call. They complaint and say comments like if you cant talk right now then why did you answer we respond saying that were at work at the moment and cant talk nor make any payments due to us not having our card on us. They respond saying so you go to work without your debt card? Does that mean you dont have your wallet? So youre driving without a license. That doesnt make any sense we respond saying we cant pay anything that day and to call us on Friday to see if we can negotiate anything they respond saying this is a one day offer. Youve had this since XX/XX/2017. If you dont pay this then its going to stay as delinquent on your credit and it wont come off. Unless you pay it now. And we continue saying how we can not pay it at the time and they can stop calling us and pushing us or they can call back when we can talk and pay. And theyll sigh and say whatever its just going to stay on your credit once they pushed me to call a family member and borrow the money from them or to get their credit cards. Once I reply that no one in my family has the money or credit cards they start to ask how we pay for stuff, or afford anything. When thats none of their business. They have called and harassed us for months and continue and wont leave us alone until we can call and pay them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: OH

Complaint narrative:
To preface this is about the tenth time this has happened. XXXX XXXX/Navient has mis-allocated my student loan payments, ( again ) making certain loans become past due. I have called them over and over to solve the problem. As a customer, this is extremely frustrating as I have fixed it so many times, yet it still continues to happen. I can not include dates because I get several phone calls/emails a week regarding the matter every time it happens. I also have no idea what actions can be taken by the company because they obviously don't pay attention to this mistake as it has happened over and over and not just for me. This company really needs to have some sort of protection against it. This is just the problem of the week and I seem to have problems all the time with them. This is the worst company I have ever dealt with yet no corrective action has taken place. I would love the single payment they take out of my bank account directly every month to be correctly allocated to each loan that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a charge off/foreclosure on my credit but it was never a charge off or foreclosure. I sold the house. They are reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, XXXX XXXX XXXX and Chase Home Finance. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}

Company response to consumer: Closed with explanation