vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-19 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: GA

Complaint narrative:
I have tried to have fraudulent information erased from my Transunion credit report without any luck and Im not able to dispute information on Transunions website. 
XXXX XXXX XXXX was removed from my XXXX 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 2020-01-19 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: CA

Complaint narrative:
I am referencing report # XXXX.from Experian I have over the last 5 months sent in a request for verification of information on my credit file. I have included a copy of my social security card number, Drivers license and Account statement from XXXX XXXX XXXX XXXX. 
I first asked for verification of my address ; they report 5 different addresses with 2 addresses in the state of XXXX which I have never resided. They also report 2 address where I currently live stating that I have lived in 2 different apartments when the correct one is unit XXXX. Both of these items are easily verifiable. I actually contacted the apartment management about the incorrect reporting and was told if they actually verified the information it would be reported correctly. They also claim that the address XXXX XXXX XXXX XXXX is tied to accounts I have with creditors that are being reported on my credit file which once again is incorrect since I actually verified their information to confirm they report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX which is my correct address. 
Experian is also reporting 3 variations of my name. Once again I provide copies of my social security card which states " XXXX XXXX XXXX also my drivers license states ' XXXX XXXX XXXX ' with my account with XXXX XXXX  XXXX XXXX stating the same name. 
I provided the documents they required after they stated they required such documents which I sent initially with each verification request that I have mailed to Experian. 
Lastly I asked for verification of a bankruptcy being reported on my credit file. I was told that the information was provided by XXXX XXXX which I contacted to be told that my credit file has been frozen since 2013 which is before the date the bankruptcy they are reporting was filed according to my credit file. 
Experian has investigated the XXXX account changing lates from 4 then after verification to 2 lates and once I requested they added 2 more lates to my credit file.

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 2020-01-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have tried to have fraudulent information erased from my XXXX  credit report without any luck and Im not able to dispute information on XXXX  website. 
Bank of America was removed from my XXXX 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 2020-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
last month made a payment bringing my total amount owed on my loans to {$160000.00}. Since that time my amount owed has increased to {$160000.00}. Navient has no information in any of the loan accounts documenting where that increase in the amount I owe came from. I have not taken any new loans from navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for citi bank credit cardXXXX " Citi Rewards+ ( SM ) Card '' at XX/XX/2019 and got approved at XX/XX/2019 XXXX Please see the attachment file ), I did not receive that credit card until now, the citi bank kept telling me " Citibank has received returned mail from the Post Office pertaining to your account. " However, I checked my address which is correct and I also received the debit card from citi bank successfully which means there is nothing wrong with my address. I made couple calls to citi bank credit card department, they kept telling me can not locate my account and just hang up on me. It has already been 5 months after I got approved of the application but I still haven't receive the card, I don't know 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
Consumer complaint received 2020-01-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -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 2020-01-19 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: First Data Corporation
State: MN

Complaint narrative:
The following account opening inquiries listed on my TeleCheck Consumer report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018 and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: OK

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( EXPERIAN, XXXX XXXX ). THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXX XXXXXXXX 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 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 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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2020-01-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -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 2020-01-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
Incorrect foreclosure reporting dates, and incorrect reporting of a late payment on an account that does not belong to me, Carrington mortgage services llc reporting to credit bureau, that I was late on a mortgage payment in XXXX, for a property I have'nt owned since XXXX, error still comming up on credit report in XXXX, I have the sheriff sale document, dated XX/XX/XXXX proof that, I could not have owned the property in XXXX, or XXXX, nor could I have been late on a property that idont own, when I contacted them about the issue they said there was nothing that they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: OK

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( XXXX, XXXX   TRANSUNION ). THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, OK 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 2020-01-19 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: OK

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( XXXX, EQUIFAX XXXX XXXX. THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Dear CFPB Mediator, I filed a complaint # XXXX on Bank of America credit card with regard to being tricked out of my card opening bonus of {$300.00} on XXXX. 
I received an email on XXXX from Regulatory Complaints Dept. of Bank of America, which says, Our Regulatory Complaints team has received correspondence on your behalf from the CFPB. I am your dedicated point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/XXXXto confirm that information. 
Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday through Friday, XXXX XXXX XXXX XXXX XXXX. Pacific. 
I called the number in the email 5 times during Monday through Friday, XXXX XXXX XXXX XXXX XXXX Pacific. Each and every single time, I was directed to a voicemail, and there is a warning message, saying the number belongs to a collector. 
This seems further trick on me. Im very sorry that Bank of America credit card uses a collector to deal with clients who file CFPB complaints against it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I filed a complaint already last year on XX/XX/XXXX with complaint # XXXX. Then I received a letter on my email on XX/XX/XXXX saying my complaint was closed because you couldnt contact me because you need more information. Im sorry but I just came back from vacation and couldnt reply to you. 

I would like you to please open that complaints again because its very important to me. Imagine XXXX  XXXX foreclosed on my house even though I filed for a bankruptcy protection agency in XXXX, NJ. I paid about {$77.00} first installment fee for a {$300.00} plus fee. The bank immediately informed the tenants to move away immediately because XXXX XXXX   foreclosed the house. They even changed the lock right away so one of my tenants who was on vacation couldnt go inside his apartment when he came back. His belongings were stuck in his apartment. The tenants were calling me to open up the apartment so they could get some clothings and other stuffs but I couldnt do anything because I didnt know who to call then. They locked the front door of the building so nobody couldnt go inside. What a terrible bank is it! 
I hope you could do something to help me get back my house. If you would go back to your file previously, I did asked for your help three times to help me ask the bank to give me a lower rate or do a modification on my mortgage. 
But the bank just ignored me until the sad part happened. Is there any chance to file a lawsuit against this horrible bank? Please let me know because right now Im poorer than a rat. 

Waiting for your reply. 

Thank you! 

PS One of your representatives I talk to last week when I received an email on XX/XX/XXXX regarding my complaint was closed said to file again this complaint separately. Because I filed four companies together in my last complaint # XXXX. 

One bank and three credit bureaus. 
So Ill file again 3 complaints regarding the credit bureaus. 

Thank you.

Company response to consumer: Closed with explanation