vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America purchased our loan during the Countrywide Scandal back in XXXX. We financed with coutrywide in XXXX. 

Bank of America sold our loan to XXXX XXXX XXXX in XXXX as part of 91 % dumping of mortgage notes that is against the law. Bank of America can only legally sell of 51 % of notes. Our was one of those notes sold. 

As a result of the countrywide scandal, Bank of America ( aka BofA ) advised us we were to be part of the Bank of America  Debt Settlement Program which compensated homeowners for the subprime mortgage crisis. We tried numerous times via telephone and letters to speak to them about this and become part of the settlement. 

Shortly thereafter all mention of this program went away, NOTHING was found, even the number I had in my phone was no longer a valid number. It is as if this program was a fraud and never proceeded for any of the homeowners involved who lost their homes rather than being compensated as BofA told consumers they would be. 

XX/XX/XXXX a certified letter was sent and received by Bank of America, XX/XX/XXXX, stamped signature, unreadable, requesting the following which we have never received : 1 ) Original Promissory Note 2 ) Deed of Trust 3 ) All loan documents to include financed amounts, payment history, etc, transferred from Countrywide 4 ) All correspondence  regarding the Bank of America Debt Settlement Program for homeowners defrauded millions in this scandal. 

During this process, a government loan modification was done to transfer our loan to a conventional loan from the predatory adjustable loan countrywide signed us up for that was not clearly stated, hence the debt settlement program B of A offered to those homeowners defrauded for millions. 

This was never done, it went into another adjustable loan. Then the loan sold as part of the 91 % selloff of notes illegally to XXXX, which is a separate complaint.

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 2020-03-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$26000.00}, {$6100.00}, {$7600.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

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 2020-03-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$26000.00}, {$6100.00}, {$7600.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: TX

Complaint narrative:
ftc violations reported to the federal trade commission XXXX  XXXX master card  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  XXXX XXXX  XXXX  all inquires on the above XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Dept of Ed/Nelnet was sent a police report to remove the fraudulent accounts off of my credit report and this was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: TX

Complaint narrative:
ftc violations reported to the federal trade commission XXXX  XXXX master card XXXX  XXXX XXXX  XXXX  card XXXX  XXXX  XXXX credit card XXXX  XXXX  XXXX  XXXX XXXX  XXXX  all inquires on the above 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 2020-03-03 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: TX

Complaint narrative:
ftc violations reported to the federal trade commission XXXX  XXXX master card XXXX  XXXX XXXX XXXX  card XXXX XXXX  XXXX credit card XXXX XXXX  XXXX XXXX XXXX  fcu all inquires on the above 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 2020-03-03 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: CA

Complaint narrative:
I found out that there are two accounts from XXXX XXXX XXXX XXXX appearing on my credit report. One of the accounts was opened in XXXX for {$300.00} and the other one was opened in XXXX for {$4000.00}. I had no idea these accounts were in my credit history since I never really keep track of my credit but I got my credit ran because I applied for a loan and that's how I saw these accounts. I don't know who opened the or how someone else could have got ahold of my personal information to open these accounts. I did not get anything out of these accounts that were opened in my name. I never made any payments towards either of those accounts. I filed a police report and notified that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: MA

Complaint narrative:
Experian keeping my old ( 10 years old ) credit card that was unpaid due my hard time in college. A statute of limitation in Massachusetts Maxing all your dept on credit report up to 6 years General Laws Part III Title V Ch. 260-2. Please have them remove it because it damaging my score for life and violating my civil financial rights.

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
XXXX EQUIFAX XXXX  I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 EQUIFAX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 XXXX  ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 XXXX ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )

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

Complaint narrative:
I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
XXXX  XXXX EXPERIAN I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 XXXX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 XXXX ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 EXPERIAN ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
This morning, I received an email from Citi telling me they had closed my credit card account. No prior warning - no prior communication of any kind. 
I have had the card for 10 yrs with a spotless record of paying for charges in a timely fashion. 
I called Citi and informed them of what had happened and asked for an explanation. A customer service employee told me a letter had just been sent explaining the situation but he couldn't give any more information because of my privacy rights. I asked to speak to a supervisor. 
A supervisor pulled up the letter sent to me and told me my account had been closed for " non-usage '' and explained I had not used the card in at least 2 yrs. I countered that was probably true, I had several cards and I used each of them according to the scenario and I was sure, if he cared to look back, that there had been other 2 yr periods over the past 10 yrs when I had not used my Citi Card. I asked if I had ever signed any agreement or had been informed by Citi of their " use it or lose it '' policy. The supervisor told me no, they simply had the right to close my account at any time for any reason. 
As you know, this affects my credit rating negatively and I informed the supervisor of the same. I think it patently unfair that my credit rating will go down - which could affect future credit requests on my part - simply because Citi precipitously cancelled my account. Further, I find it patently unfair that Citi cancelled my account, although I have never missed or been late on a payment to them, without some sort of warning. 
I will never use Citi again - for anything - but I find their policy as practiced on me to be anti-consumer and one they should be forced to change or at the least modify.

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 2020-03-03 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: CA

Complaint narrative:
I found out that there are two accounts from XXXX XXXX XXXX XXXX appearing on my credit report. One of the accounts was opened in XXXX for {$300.00} and the other one was opened in XXXX for {$4000.00}. I had no idea these accounts were in my credit history since I never really keep track of my credit but I got my credit ran because I applied for a loan and that's how I saw these accounts. I don't know who opened the or how someone else could have got ahold of my personal information to open these accounts. I did not get anything out of these accounts that were opened in my name. I never made any payments towards either of those accounts. I filed a police report and notified that company.

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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My wife and I applied for a primary home refinance with Navy Federal Credit Union and were assigned a processor on XX/XX/XXXX. We were warned by Navy Federal Credit Union at the time of application that the volume was heavy and the average wait to close was about 82 days. We complied with all the required processing procedures in a timely manner, yet after waiting over 150 days, we still hadn't closed or got any formal resolution of our application. Still no formal response from Navy Federal to date. We finally received an email from a newly assigned Navy Federal Processor on XX/XX/XXXX stating that our application was " submitted to the Credit Committee as is '' and the date to have all items successfully received into the file was XX/XX/XXXX. " You are welcome to reapply in the future if you wish to proceed. Upon contacting the originator of this email we finally made phone contact with this processor. She told us that the application was incomplete. Asking her exactly was incomplete about it, she thinks that it was just incomplete due to poor communication between us and the processor. I can tell you we always responded to any request about this application in a quick thorough timely manner. Any lag time in anything was due to Navy Federal 's poor processing actions, not ours. We Have requested a formal written response as to why we haven't closed to date ( XX/XX/XXXX ). We got a voicemail from someone stating she was Navy Federal Supervisor XX/XX/XXXX which just stated " if you still desire further correspondence regarding the previous loan application her number is # # # # # # # # # #. Please give me a call if you want to reapply and there is no waiting period for you to satisfy ''. I have left 2 messages since this message was received and I have yet to get any response. In the mean time I have decided to initiate a loan with another company on XX/XX/XXXX. Perhaps our situation can help others in making a better decision when considering using Navy Federal Credit Union in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Debt was settled in small claims court case # XXXX in the county of XXXX XXXX on XX/XX/2019. Debt collector, Genesis aka Columbia Debt Recovery, has been continually harassing me via email regarding my debt, even though the small claims judgment has been ruled in my favor. I have sent them multiple copies of the small claims judgment that was mailed to me yet they continue to contact me in attempt to collect a debt I do not owe. In fact, the defendant in the small claims case, which is also the company that the debt collector is representing, owes me {$570.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: VA

Complaint narrative:
I submitted a Loan Discharge Application due to Unpaid Refund. The servicer Responded that my application met the criteria and never provided Original Account-Level Documentation with an account ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I previously submitted a complaint that I was unable to get my security freeze with Equifax lifted despite multiple efforts via my online Equifax account, telephone calls to their automated system and one call that finally landed a real person ( no previous calls did ) who admitted the system was down. Today I reached a live person who asked me 20 security questions, verified my identity and lifted the freeze temporarily. I have the pin number I was given when I first placed the freeze but she said the company doesn't use those anymore. Then she transferred me to technical support to get help over my inability to manage my freeze online. The agent, whose " purportedly only '' name was XXXX, asked me the same security questions and, after I gave her the exact same answers, she then claimed she couldn't verify my identity and refused to help me. I told her the last agent was able to and I also explained repeatedly that I could log into my Equifax online account, and get my credit info so I didn't need any of that, and I just wanted them to fix the link in my online account for " managing '' my freeze because the link doesn't work. I don't need the freeze lifted at the moment because the previous agent did it temporarily for me. But I want to be able to manage the freeze in the future. She refused to help me. What the heck am I supposed to do when I have problems like this in the future - when reaching a live human is almost impossible, their verification results are absolutely inconsistent, and all the automated things don't work? I foresee one coming because I just learned from the mortgage company that they may need to access my credit report again after 60 days, but I only lifted the freeze temporarily for 60 days. I should not have to go days and days fighting Equifax over getting this done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I tried to open a personal checking account online and they took my money ... BBT said the transfer didnt go thru ... but i check my debit card transfers and it show that it was deducted from my balance..

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 2020-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am a XXXX veteran at the rate of XXXX XXXX, XXXX  XXXX and live in the state of Florida. Loancare, A Service Company, purchased my loan from XXXX XXXX XXXX  in the fall of last year. I submitted my tax exemption paperwork to them on XX/XX/2020. When I submitted the required information ( which was confirmation from our County Tax Assessor stating I was in fact tax exempt on a permanent basis ), and the company ( Loancare ) is still taking the funds and depositing in an escrow account. They will not tell me when they will cease and they refuse to send me the money they have already withheld. I am at wits end ( as I am on a limited income and could sure use that extra XXXX plus dollars a month. I don't know where to turn or what to do.

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