vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Greetings! 

On XX/XX/2020 I was introduced and working with XXXX XXXX from the Bank of America from the Bank of America Mortgage Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I was offered a rate of 3.5 % 30 year fixed with 0 points. I completed my application in the Bank of America Mortgage Navigator and provided pertinent information. The rate was locked and loaded on XX/XX/2020 according to the loan officer XXXX XXXX. 

I was also assigned to a mortgage loan coordinator by the name of XXXX XXXX NMLS ID # XXXX. 

Subsequent to that my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX went through an appraisal/inspection for which I was billed {$630.00} in total. 

The loan was approved through an email from XXXX XXXX. 

However- after months of wrangling and chasing both XXXX and XXXX they either never responded to my emails/texts/calls or they would give me an update that BOA was working on the price books ( whatever that meant ). 

One fine day in XXXX I noticed that my loan application entirely disappeared from the Mortgage Navigator in the BOA website/portal. 

As always tried reaching out to BOA/XXXX to no avail. 

I am attaching the text messages between XXXX and me for your perusal and action. 

This unethical action from BOA has not only cost me monetary losses but also time and effort. 
Notwithstanding the fact that I could have gone with another lender and close my refi in 30-45 days and be paying a lower monthly installment. 

I am talking to other folks to determine what legal recourse I have ; this is a first step in that direction. 

Please feel free to reach out to me for any questions. 
This unethical behavior and extremely unprofessional act from Bank of America should not go unpunished. 

Thank you for looking into this. 

Regards 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 2020-08-31 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: CA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$320.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX  XXXX {$2200.00}

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 2020-08-31 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$320.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX  XXXX {$2200.00}

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 2020-08-31 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: GA

Complaint narrative:
InXX/XX/2020, I disputed the problems on my credit file with all 3 bureaus which I will be escalating to you today. I asked for the fake names as mistake in identity to be removed, wrong account reporting balances, accounts reported not mine and sought for validations. However, I was only pushed back all these agencies that they verified and valid with no proof. I also called them to see how and why they are doing this but to no avail. Now, i have no choice to have you intervene for me. why are they treating me likea number? I have now decided to show them what i need to be done based on the laws that protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/2020 I received a welcome letter from XXXX XXXX. That letter mentioned a new credit account opened in my name. However, I have not made any purchases of XXXX equipment nor applied for any financing with XXXX XXXX or any other financial institution in years. I attempted to call ( XXXX ) XXXX phone number, included in the letter, but could not get through. After automated greeting, my calls went to hold, where they remained for over two hours. I have made a few attempts, patiently waiting 2 2 hours on hold each time. On XX/XX/XXXX, I filed a police report for an identity theft case and opened a case on FTCs IdentityTheft.gov site. I have sent a US Certified Mail package to the XXXX XXXX Customer Service address, provided in the welcome package : TD Bank N.A. 
XXXX XXXX XXXX XXXX, NJ, XXXX XXXX Due to the problems with USPS Tracking system during the month of XXXX, I have sent another copy of the package to XXXX XXXX/TD Bank, once again asking them to close the fraudulent account and send me a written confirmation that I am not responsible for charges on this account. I have enclosed all documents available to me at the time to help XXXX XXXXTD Bank to investigate this case. First package was delivered to XXXX XXXX/TD Bank on XX/XX/2020, second copy was delivered on XX/XX/2020. 
I hoped that thanks to my prompt actions, XXXX XXXX/TD Bank could trace the shipping address of the online purchase that was financed in my name, and turn thieves into police custody. 
A week or so later I received a statement, showing an online purchase and financing of 3 ( three ) XXXX cell phones for the total amount {$4000.00}. 
It has been about 4 weeks, since XXXX XXXX/TD Bank received my letter and all supporting documents. For some reason I have not received any response from XXXX XXXX/TD Bank. Reaching their customer service over the phone is not possible. I spent hours and hours on hold trying to reach a representative, with no success. Today I received another statement, showing the original {$4000.00} balance and {$110.00} late fees, so apparently XXXX XXXX/TD Bank is not looking into this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: LA

Complaint narrative:
Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, Reference # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. CLIENT SERVICES, INC the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00}. CLIENT is in violation of Title 15 USC 16 SERVICES, INC 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. 7018 3090 0001 0743 8142. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: TX

Complaint narrative:
On XX/XX/2020, I went to XXXX XXXX XXXX located in XXXX  XXXX and requested a personal loan. The young lady asked me for my driver 's license so she could use the information for the application to pull my credit. Whole she was doing so, my wife called and told me not to do the loan. I got off the phone and informed the young lady that I do not wish to continue with the loan application process. She acknowledged what I said, said one moment, and scanned a copy of my driver 's license before giving it back to me. I asked her if my credit was going to be pulled, and she said no. When I left the bank, I started receiving emails alerting me of a change to my credit has been made. I have since called XXXX XXXX XXXX and asked for them to remove the hard inquiry and each time they said they can not.

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 2020-08-31 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX  XXXX  XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX   XXXX  XXXX  XXXX {$570.00} XXXX XXXX {$89.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$980.00} XXXX   XXXX {$1400.00}

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 2020-08-31 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX   XXXX XXXX XXXX {$570.00} XXXX XXXX {$89.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX  XXXX {$980.00} XXXX   XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX Equifax Data breach my information was leaked and someone used it to apply for credit and loans in my name ans as a result this stuff is one my credit reports.

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : Equifax, XXXX   and XXXX  :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with Equifax and XXXX  : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX XXXX  Data breach my information was leaked and someone used it to apply for credit and loans in my name ans as a result this stuff is one my credit reports.

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services.

In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : XXXX, Experian and XXXX  :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with XXXX  and XXXX  : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

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 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MCM has sent me a letter threatening to sue me for a creditor that I have never had. XXXX XXXX. Through out the letter they state that they are forwarding the matter to an attorney if I dont pay. From everything I have read this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
I paid off my car note in full however the account is still showing up as late on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Every month I am charged interest on a cash advance i already paid off. Capital one card ending XXXX. Ive called and ive been told my payments are not being applied to that interest. Why? Cant tell me .... when times are as hard as they are, capital on shouldn't be charging this interest, now a year total of XXXX dollars a month illegally charged plus the extra interest that has accumulated with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Approximately in late may I placed a freeze on my credit file with all three major major credit reporting Agencies due to a fraudulent filing for Unemployment benefits. I am attempting to refinance my home Mortgage so I wanted to unfreeze my credit files. I have been unable to get my file unfrozen from Experian. There appears no way possible to actually talk to a human being. I have sent them two letters per their instructions with the required information to verify my identity and I still have not heard from them. I am desperate to get my report unfrozen but do not know where else to turn.

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 2020-08-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For EXPERIAN 1. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX  Account Number : XXXX Please investigate and delete from my credit report For XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete 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