vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I reached out to Bank of America on XX/XX/XXXX about deleting the escrow payment on my mortgage. That had misestimated payments for the year, and as a result, doubled my monthly escrow payment ( for property tax and insurance ) from {$800.00} to {$1600.00} per month. I requested to cancel, but they said that would not be possible because there was a escrow disbursement scheduled within 60 days. They told me to call back in XXXX once the disbursement had been made. 

I called back in on XX/XX/XXXX to again, delete my escrow account. They said the money had not been disbursed yet ( when it could have, and should have been disbursed at the beginning of the month ). Bank of America said I would have to call back to once the escrow payment was disbursed. 

I now called back on XX/XX/XXXX, and again, they have to file paperwork to escalate it internally, and said it would be approved or unapproved by XX/XX/XXXX. Which means I will be within 60 days of another disbursement, which means I won't be able to delete my escrow account. 

This is predatory business practices. Bank of America puts the 60 day rule in the escrow contract, fully knowing they will not make a good faith effort to delete escrow accounts, because it does not benefit them. Bank of America distributes the funds later in the month, implements a three week long approval process, so that the window to delete your escrow payment is so short, it's impossible to cancel this payment. 

There is also no contact number for the escrow department, which is convenient for Bank of America because if you can't reach the people who determine the outcome, there is no way to resolve the problem. 

Escrow is something I opted into out of convenience, only to later find out it's virtually impossible to cancel. It's wrong, it's no way to treat people, and I couldn't be more disappointed in how Bank of America treats their customers.

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 2021-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes several times to Experian/Equifax and Transunion and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX  XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX -NOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXX XXXXXXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979

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 2021-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted disputes several times to XXXX/Equifax and XXXX  and no one is responding ... There has to be some kind of law that helps us consumers out when we are submitting disputes to the credit bureaus. I want these items investigated and deleted from my credit report. Thank You, XXXX  XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERFIED ACCOUNT- UNVERIFIED ACCUNT XXXX XXXX XXXX -NOT MY ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXX XXXXXXXX - NOT MY ACCOUNT XXXX XXXX XXXX XXXXXXXX -NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XX/XX/1979

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: KY

Complaint narrative:
I've been receiving statements for over 9 years, from a Paper Error with XXXX XXXX XXXX XXXX Real time solutions apparently was the buyers of XXXX XXXX Debts while they were in Bankruptcy, My bank sent me a letter EXHIBIT ( 1 ) XX/XX/09 Stating my Mortgage payment was not being accepted from Auto pay, and they tried 2 times, So I called and the number was no longer in service, I didn't know at the time what was going on XXXX of XXXX, I receive a Summons for Court for Four closure on my Home of 40 plus years, I received no Notice of default, I wasn't even in delinquency for a forclousure. ( EXHIBIT 2 ) I had enough money to pay a bank ( Exhibit 3 ) if there was a error, I could of paid up the Mortgage payment if I had been informed of the Auto payment error. I finally saw on the News of a ROBO signing error from XXXX XXXX XXXX, ( EXHIBIT 4 ). and everyone involved was getting a Mortgage Forbearance, that was all good until I noticed they added on Attorneys fees and late payments, for an error that was not my fault. ( EXHIBIT 5 ). with that issue in mind, I opted out of the ROBO signed house mill and started looking for an Attorney, While tirelessly looking for an Attorney, my House was sent to the Commissionors office without me knowing about it and given to a Broker to sell ( Exhibit 6 ), I was notified by a friend who was a broker that my house was sold. I never found no evidence of a Auction ( Exhibit 6-1 ). I was then contacted by the alleged buyers and told I had to move, I begged them to stay and had to rent my STOLEN HOME for 9 months, until I decided to find a buyer to buy it for me until I can clear my Identity theft. I found a buyer and they bought my home so that my family and I could stay in our home. ( Exhibit 7 ) Which brings me to Part 2 ( Cover letter to Realtime Solutions ) ... I have been receiving bills from REAL TIME SOLUTIONS for over 9 years for my home that was Stolen by error and sold, ( Exhibit A-A1 ). I contacted RealTime solutions 2 times to stop billing me ( Mail Fraud ) Cease Decist from collecting on a bill That I don't owe due to The Breach of Contract with XXXX  ... .I need help with clearing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
Law Office of Brett M Borland, P.C. contacted me by phone, on XX/XX/ and claimed I owed a debt as originating from the apparment XXXX XXXX XXXX, whk I have never stayed out. They then contacted me by mail received XX/XX/ as to the price of said debt and the supposed contract included in a debt validation letter request. This gave me no notice of my rights as described in 15 U.S. Code 1692g ( a ) ( 3-5 ). 

I made a request for additional information within my rights and after two months have received. I requested they only contact me by mail and they ceased all communication claiming it was against company policy to communicate outside of the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NY

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: DE

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Payoff of my lease with US Bank was sent on XX/XX/XXXX to US Bank address listed on the written payoff statement. The payment was received by US bank on XX/XX/XXXX. The dealer has written confirmation of delivery and receipt of the payoff check. I have called several times to verify and confirm the payoff was revived and applied. each time I was told by the US bank customer service person that they have no record of receiving the payoff check. I believe they have intentionally stalled in applying the payment to my account. Costing me money and threatening my excellent credit standing. They are liars and committing fraud.

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 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have been contacting LOANCARE for 8 weeks requesting a 90 day forbearance. My loan is Fannie Mae owned and even the customer service representations at LOANCARE have verified that I am qualified for the 90 day extension. But they say a " team leader/supervisor '' in collections must issues the extension. I sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with all necessary info. and the request and that fact that they were not responding. I made calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX also explaining he situation and their lack of response. @ times i was told my issue had been " elevated " and 3 times I requested to speak with a " team leader/supervisor '' as I was told they were the only ones who could correct the issue. All 3 times they were supposed to call me back and each time I answered they disconnected before I was able to speak with anyone. The wait times on the phone run into hours and they NEVER respond to emails at ANY of their addresses. Their lack of ability to properly service my loan is causing me financial difficulty and is violation of the federal cares act as well as federal loan servicing standards.

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 2021-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: KY

Complaint narrative:
XXXX charged my husbands bank account twice after being informed that he passed away then charged me XXXX dollars for a charge back. Called the company informed them what they did was wrong they told me it was my banks fault. I called my bank they had no transactions like that other then denying the charge but never charged me a fee. 
XXXX failed to inform me that the insurance policy was canceled due to my husbands passing instead sent emails to my deceased husbands email which o had no access to. Sent me a letter 30 days later telling me that they are charging me XXXX dollars because I had no insurance for 30 days. Contacted the company yet again told them and they said it was the insurance companies fault and not theirs and that I was out of luck. 
XXXX filed for bankruptcy that doesnt include my house but I need a reaffirmation agreement and they refuse to provide me with one unless I refinance or affirm. I told them I would refinance they said I was not eligible because of bankruptcy and I said well let me reaffirm they told me it will take 9-12 months. They told my lawyer I need to assume the loan or surrender my house immediately. I have not missed any payments. Now they refuse to return or call myself or my bankruptcy attorney back. After several calls they just give me the run around and claim my loan is not found.

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 2021-07-26 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.

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 2021-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My identity was stolen in XXXX of XXXX by my ex wife boyfriend at the time. She had me falsely XXXX in XXXX and during that time her boyfriend had access to my phone, wallet, car and all my personal belongings. He gained access to my navy federal credit and debit cards and also my online banking. During this time he completely cleaned out my checking account until it was neg almost XXXX and ran my credit card up to over XXXX. Navy Federal is the lean holder to my mortgage and since this all happened I filed 2 fraud claims that Navy Federal has sided against me. I even submitted the police report along with FTC report regarding the identity theft of my accounts and they keep shutting me down and siding against me. 

Access number for account 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 2021-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America are stealing, lying crooks. 

I was approved for a Bank of America Cash Rewards Secured Credit Card On XX/XX/21. I sought to take advantage of a {$200.00} reward they offer ( https : //www.bankofamerica.com/credit-cards/products/cash-back-credit-card/ ) for spending {$1000.00} in the first 90 days. I was told multiple times that if I spent {$1000.00} on the card for them, I'd get {$200.00} in return. I spoke about this reward before, during, and after obtaining the credit card, with multiple sales and customer service people. I would not have chosen this credit card without the reward. I was even eventually told that I had satisfied the {$1000.00}, and could expect the {$200.00} in mid-XXXX. I was then told in mid-XXXX that the promotion had been erased from my account for some reason, and then they RE-ADDED it to my account, said I was applicable, and said I could expect it in mid-XXXX. 

Today, for the first time ever, now that I have given them what they wanted and spent {$1000.00}, I have been told that my card is not applicable for this promotion because mine is a secured card. I am looking right now and see nothing about exempting secured cards on the promotional site, nor did I see anything of that nature at the time, nor did anyone at BOA bring this up during my half dozen calls about my intention to receive it. And even if the promotional site did warn about " no secured cards '' ( which it does not ), they confirmed to me many, many, MANY times personally and verbally that we had a deal and I would received {$200.00}, which is its own free-standing promise. 

I explained all this today to a customer service rep, then to their manager XXXX, said I was going to file a claim here. They said they would feel ripped off too, said they understood that they lied to me, and then refused to do anything to help me. So here we are.

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 2021-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX! I have reached out to these dam credit companies multiple times and havent gotten XXXX back. These false reporting accounts on my credit report has hindered me from purchasing a car and soo much more. I ask that these accounts be removed immediately as this XXXX is literally XXXX up my life.

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 2021-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX! I have reached out to these dam credit companies multiple times and havent gotten XXXX back. These false reporting accounts on my credit report has hindered me from purchasing a car and soo much more. I ask that these accounts be removed immediately as this XXXX is literally XXXX up my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My name is XXXX XXXX, this morning a lady left a voice mail stating I used her credit card and please do not use her credit info. I never talked to this lady who called from ( XXXX  ) XXXX. Someone yesterday XX/XX/XXXX, tried to debit {$2000.00} from my bank account. Today I get a voice message from a unknown lady seems they must live somewhere in Pennsylvania, Who are these people?

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 2021-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation