vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
COVID-19 Deferment offer I have a 30 year mortgage with Bank of America acct # XXXX. 
This mortgage was funded in XXXX and I have never been late until covid-19 Beginning in XX/XX/XXXX I called Bank of America customer service and spoke to a XXXX in the call center to learn more about COVID-19 relief. At this point in time the customer service team was not thoroughly trained on what was being offered and the initial customer service rep did not even know the difference between forbearance and deferment!

I was referred to a supervisor ( XXXX ) in the Tennessee office who advised me to call back after she had more information. I called back after 24 hours and verified with supervisor that I would be given a true Deferment option after 90 days which would add 3 months onto the end of my 30 year term as opposed to asking for a balloon payment of 3 months mortgage or modification of my loan with all the interested added to my principle. I was very, very, very clear about this and the difference between the two. 

I also said that I probably would only need 2 months not 3 but was also advised too wait the full 3 months and build up any reserves I would need. Which further compounds a forbearance issue.

After, signing up for program over the phone ( which at no point did I agree to forbearance terms nor did I sign forbearance terms ) I did not make XX/XX/XXXX mortgage payment. 

After, a month I received a notice in the mail that I had a mortgage specialist assigned to me and that I was on the forbearance program! I tried multiple times to contact the specialist who never, ever called me back. I then called customer care again on XXXX and spoke to a ( XXXX  ) & ( XXXX  ). re-explaining that I was on a deferment and not a forbearance and they said the specialist would call me back! ( nobody called me back ) I called one last time on XX/XX/XXXX again reaching the same rep ( XXXX  ) who said she would transfer me to a supervisor but was disconnected during the transfer

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Summary : -No initial notice of delinquency was received as required by FCRA 623 7 ( A ) ( Notice to Consumer Required ) ; most certainly nothing was sent that was clear or conspicuous per FCRA 623 7. Creditor has not been able to provide any verification to support that it was sent.

- Dispute was not resolved within 30 days ; there were no extenuating circumstances that would allow for 15 day extension.

- When Experian was asked they were unable to provide a description of the procedure used to determine the accuracy and completeness of the information as required under FCRA 611.

- Creditor has not been able to to provide verification after reinvestigation as required by FCRA 623. 


Detail : I requested a dispute through Experian ( dispute report XXXX ) on XX/XX/2020 against a company called Contract Callers that's on my credit report showing collections against me. I supplied Experian with the information that this was incorrect. 

On XX/XX/2020 I received a message saying my dispute is complete ( 35 days after dispute was started. When logged in it says the dispute report was generated XX/XX/XXXX, 33 days after dispute pics below ). 

I reviewed the dispute and called Experian dispute support on XX/XX/2020. Experian told me to contact the collections agency which had already been done but they did not provide relief as required under FCRA. During the course of the call I was told the information was correct but when I asked the Experian representative about the procedure used to verify correctness they said they don't have any verification from the company that the collections action was accurate for the paid account or that the original creditor had provided any notification of delinquency as required under the FCRA. 

I was able to verify with them that no prior notice was given as required under the FCRA of a clear and conspicuous notice. As soon as a collections action against me was noticed I reached out to pay the account and clear the item up. The collections agency was very clear that if I made an immediate payment in full to them they would be able to remove this from my credit report. Years later it still remains on the account. 

Today, XX/XX/XXXX, I sat on hold for over an hour and fifteen minutes with Experian only to have them conveniently hang up while still on hold. Neither Experian or Contract Callers have responded or acted in accordance with the FCRA. I have told both parties that their actions, or lack of action, is against FCRA they respond as if nothing will happen by reporting it to the CFPB. 

Please help.

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Name is XXXX XXXX XXXX Date is XXXX XXXX And I Am The Only One Involved In This Complaint My Equifax Report Report Number XXXX And My FTC Report Number is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax ..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Name is XXXX XXXX Todays Date is XXXX XXXX And I Am The Only One Involved In This Complaint My Equifax Report Report Number XXXX And My FTC Report Number is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax ..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted 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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To whom it may concern : My name is XXXX XXXX.On XX/XX/2020 I mailed off a copy of my ID and SSN Card and dispute for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX n/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX {$1500.00} caprio partners collection from XXXX  hospital. I disputed via XXXX XXXX the account for about a year sin they opened the account on XX/XX/XXXX never been contacted by them. I called the hospital and they never submitted my account with an appeal letter they had my XXXX/ XXXX  insurance cards they failed to file within the year but 90 days passed and they send me to a collection agency and never billed or called me. Now I have this balance affecting my credit I also send an email to a supervisor there number is XXXX spoke to XXXX XXXX XX/XX/XXXX. They want me to pay for their mistake. I had insurance to cover my medical services. They failed to do their job and now they want to make me responsible. Please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I paid off my mortgage XX/XX/2020 with BECU. My escrow account balance has not been returned to me. I've made several calls with no resolution. I'm now being told they won't even cut a check until XX/XX/XXXX! They are required by law to return it within 30 days. XX/XX/XXXX will be 45 days, if they even send it out. It's illegal. It's my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXXXXXXXXXX {$3500.00} DEPTEDXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} XXXX {$160.00} XXXX {$910.00}

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XXXX of 2015, I had secured buyer for my home in XXXX XXXX, AR. When the bank refused to accept the buyer and their {$10000.00} down payment, I planned to continue to make payments until the home sold. I had never missed any payments on ANY loans I had ever had with this bank both while married and after divorce. Valued at {$250000.00} I was selling for {$170000.00}. The bank representative that I was dealing with ( male ) informed me that the bank would happily take over my loan. I asked if it would hurt my credit report and how it would be reported. The XXXX representative told me that it would just show that the bank had bought my house. I agreed as I believed what the representative told me. 2 months later when I attempted to secure a loan to purchase property in Oklahoma, I was informed that my credit rating had dropped drastically due to the negative reporting of a default real estate loan. I contacted XXXX  and the rep would not speak to me about what he had promised. He bold faced lied to me. I have since found out, that they sold my house for considerably more that what was the loan against it. I have reported this twice in the past and will continue to report until this is removed 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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted an affidavit and dispute forms, I have been ACCUSED of using a credit repair company. I am already battling with these INACCURATE items that were put on my credit report. These accounts were clearly opened while i was incarcerated. There was a security breach. I demand these fraudulent accounts be removed from my credit report within 30 days. I expect a response about my claim in 10 days. If I dont have a response in 10 days, i will be filing a complaint with The office of the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX Member 37 years AUTHENTICATION COMPLAINT XXXX usaa began DENYING MY PHONE ACCESS CLAIMING THEY COULD NOT AUTHENTICATE ME & ON LINE NO ACCESS * DEMANDING I RECOVER MY PROFILE with Drs License Claiming it is a Federal Legal Requirement. I have Refused & usaa resets is able to AUTHORIZE ME 3 Xs now ** WITHOUT DRs LICENSE.?? USAA BLOCKS ACCOUNTS  ACCESS WITH FRAUD PURPOSEFULLY. VERY UNFAIR LENDING!!! There was NO LEGAL REASON USAA NEEDED DRs LICENSE. USAA was Informed TO USE THE DRs LICENSE USED IN OPENING THIS ACCOUNT ** SUDDENLY I WAS ABLE TO BE AUTHORIZED ONCE AGAIN TODAY. 
I asked Kindly Note XX/XX/XXXX Letter USAA REVIEW OF FRAUD CLAIM Confirmed NO Fraudulent Activity on this Account ** WHY ARE THERE THOUSANDS OF DOLLARS IN REVERSED CREDITS.??? XXXX - XXXX IF NO FRAUD OCCURRED??? USAA REVERSES ALL MERCHANTS CREDITS FTC MADE MERCHANTS PAY XXXX - XXXX. USAA REP XXXX COULD Not Explain??? I requested the Drs License used to open this account & written signature. ( legal requirement to open  account ) be mailed to my home address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} XXXX {$160.00} XXXX {$910.00}

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXX {$3500.00} DEPTEDXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} EQUIFAXXXXX {$160.00} XXXX {$910.00}

Company response to consumer: Closed with explanation