vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.

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 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a follow up to complaint # XXXX. 
On XXXX XXXX I submitted a complaint referenced above about Bank of America not following federal guidelines. Our area was hit by Hurricane Irma and declared a FEMA as eligible for individual assistance. 

Since this complaint I have been assigned three different XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX, XXXX XXXX and now XXXX XXXX ) I have stayed in contact with the these various contacts throughout the forbearance process. I have received numerous piles of forms from Bank of America and each time I call them they tell me to ignore the paperwork. 

On XXXX XXXX, XXXX at XXXX XXXX I contacted XXXX XXXX ( XXXX ) XXXX. During that call XXXX informed me that I will not need to pay the total amount due and that my payments during the forbearance period will be added to the end of my loan. This is in accordance with the federal guidelines. XXXX then informed me that I will resume my mortgage payments starting on XXXX XXXX and there will be no penalties and the loan will resume as normal. They did note that there may be an escrow adjustment in the near future but that the payment would remain the same. I requested that this be in writing. XXXX told me that the call is recorded and that my account reflects these approved changes. 

Bank of America produced a letter on XXXX XXXX that i received XXXX XXXX ( attached ). The letter clearly states that if I do not make the payment in the full amount owed during the forbearance that I will be assessed late fees and more than likely be reported to the credit agencies. 

I have no trust in XXXX XXXX XXXX and I they have never provided me with accurate information. I have made numerous phone calls and I have even stopped by my local branch office at XXXX XXXX and XXXX XXXX in XXXX, FL. 

The purpose of my complaint is to report that Bank of America is not providing consistent information and that they are still violating the federal guidelines for XXXX XXXX loans approved for individual assistance in area declared disaster area by FEMA.

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 2017-12-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I requested validation to XXXX XXXX, XXXX XXXX, as my right under the FCRA and they responded to me on XXXX/XXXX/XXXX a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XXXX/XXXX/XXXX and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ).  A letter was sent to XXXX on XXXX/XXXX/XXXX explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by XXXX on XXXX/XXXX/XXXX. I just received an email from XXXX today, XXXX/XXXX/XXXX, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to Transunion on XXXX/XXXX/XXXX requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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 — Problem with personal statement of dispute
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I requested validation to Collection Agency, XXXX XXXX, as my right under the FCRA and they responded to me on XX/XX/17 a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XX/XX/17 and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ). A letter was sent to XXXX on XX/XX/17 explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by XXXX on XX/XX/17. I just received an email from XXXX today, XX/XX/17, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XX/XX/17 requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
This is a short sale approval issue in which I am asking SLS which already approved my short sale and I have attached the documents, including the contract executed by myself and the borrower. Therefore, I do not need a third party approval as I do not want information about the borrower. I need someone to provide us the approved extention so that I can close on the loan. I have paid attorneys, appraisals, survey, town CO fees, etc. The bank will not allow me to close until I receive this document. The seller 's attorney nor the bank are responding. I need SLS to respond immediately before my loan is cancelled!!!! 

Since XX/XX/XXXX, we have been working with Specialized Loan Services ( SLS ) to purchase a home at XXXX XXXX XXXX XXXX, XXXX, NJ. This is a short sale that they approved. Unfortunately, the seller had a lien on the property that needed to clear before we can close on the loan. Waiting caused the short sale approval to expire, they provided an extention in XX/XX/XXXX and then in XX/XX/XXXX but then they also expired. The bank will not close unless that extension is active. At this time, we have the attorney, the appraisal, the credit report fee, the surveyor, the town with the CO fees, all accumulated and we can not get SLS to respond to us with the lien settled so that we can get a clear title. Nor, have they provided us another extension knowing that they are causing the hold for us to close. We have spoken to the seller, XXXX XXXX and he wants to sell the house. He no longer lives in NJ and has abandoned the home, which by the way the town is ready to put a lien because the property has been abandoned for more then 2 years. We have everything in place to close on the loan and move to the property. We need SLS to respond!!! We need to short sales extension and need a confirmation that the lien is cleared. The sellers attorney will not respond to anyone including my attorney as they claim they are not getting paid for closing on this house, The seller XXXX XXXX ( XXXX ) is anxious in getting the house sold but also finds that his hands are tied as he can not get answers from SLS. They are located at XXXX XXXX XXXX. XXXX XXXX, CO XXXX phone XXXX. The loan number is XXXX and the seller is XXXX XXXX. Please help us get a response and the documents needed so that we can close on this purchase. You can reach me at XXXX XXXX or XXXX XXXX. My email is XXXX. Your help is greatly appreciated!!

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 2017-12-11 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: PA

Complaint narrative:
On XX/X/17 I received the results of the disputed accounts on my TransUnion credit report. I have previously asked TransUnion for their method of verification for these accounts, but the only thing I continue to receive are " verified '' results. My requests for their method of verification have been ignored. In the case of XXXX XXXX ( acct # XXXX ), 2 of the 4 accounts were removed. I do not understand this, as these accounts have the same account number. Please provide the documentation used to verify the remaining 2 accounts. Also, XXXX XXXX XXXX ( acct # XXXX ) ; one of the accounts from this creditor was deleted, but the one remains. I am curious to know how 1 account was " verified '', but the other was not. I contacted XXXX XXXX XXXX XXXX for documents to verify the 2 accounts recently placed on my credit report. I have submitted the documentation to TransUnion provided by XXXX XXXX XXXX. It is my understanding, that according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, credit bureaus are required by federal law to verify through the physical verification of the original signed consumer contract. I have yet to receive a signed contract from any of the creditors shown below, whom I have personally contact to provide physical verification. Simply submitting a " statement '' is incomplete verification. I have attached all documents received by the creditors listed below. It appears the law has not been followed by TransUnion in regards to Section 609 of the FCRA. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XXXX XXXX XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Young America Holdings, LLC
State: NE

Complaint narrative:
A {$150.00} prepaid XXXX was issued from XXXX XXXX for signing on as a new customer in about XXXX XXXX. The card indicates it was issued from XXXX. 

The card was not used and shows an expiration date of XXXX. When the card was attempted to be used in early XXXX XXXX, it was denied as expired. 

I called the phone number on the card XXXX. They said that they no longer handle this card and referred me to XXXX XXXX. XXXX XXXX told me that it was true that they no longer work with XXXX, but that that there was nothing they could do, and that I had to work with XXXX. 

I found an e-mail address for XXXX - XXXXXXXXXXXX who I e-mailed the situation. They replied with a different phone number to call XXXX. I called that number, and based on the card number was referred back to the original number on the card referring to them as " Young America ''. The contact at XXXX said that it is called a sweep card and that at expiration all of the funds are removed from the card. I could not get an explanation of where the funds go. 

In another conversation with the original number listed on the card, I was again told that they " no longer work with XXXX XXXX, and that they transferred all of the information back to them '' Bottom line is that someone has the {$150.00} and it is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
XX/XX/2017 - I receive an alert from XXXX XXXX about this collection showing up on my credit report. I do not owe nor have I taken a loan out with XXXX XXXX XXXX XXXX of which Midwest Recovery Systems is trying to collect on. There has been no letters of any debt collection from XXXX XXXX XXXX. There is also no data in the fields on my credit report reflecting anything other than a balance owned and with an unknown open date. Review on the internet shows an increase in XXXX XXXX users receiving a collections account being posted from Midwest Recovery Systems for debts that are not theirs. XXXX XXXX XXXX XXXX would be violating the Indiana Code for Payday loans based on the amount they are claming is due. 

Citation : Ind. Code 24-4-4.5-7-101 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as $XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was $XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.

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 2017-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XX/XX/XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus

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 2017-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
After applying for a loan, my credit report stated that Capitalone had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.

Company response to consumer: Closed with explanation