vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID

Complaint narrative:
We applied for COVID relief assistance in approximately XXXX of 2020, Lakeview placed our mortgage in forbearance and explained the repayment options we would have when it came out of forbearance. I should have known early on we would have issues, each person we spoke to gave us a different answer on the length of the forbearance and what would happen when it came out. As soon as we were able to start making payments again we contacted Lakeview to request the account be taken out of forbearance and requested they send the necessary paperwork to move the 3 skipped payments to the end of the mortgage term. That was in XXXX and we still have not received the papers to sign!! We get a different story every time we contact them. Several people told us to start making payments again even though we were waiting for papers, which we did. Then several other people told us to stop making payments because this was messing up their calculations on what should be moved to the end and the payments were holding up the paperwork. So we stopped making payments again. We have been calling for weeks and they keep saying the paperwork has been processed but it's just sitting there, no one can tell us what the hold up is or why they have not sent the paperwork for signatures. We have spent countless hours on the phone with people who don't really know what they are talking about, this has been an extremely frustrating process. And in the meantime they have started sending delinquency notices and pre-forclosure letters! When we call to ask about the notices they tell us these notices go out automatically and just ignore them. However, we are becoming very concerned!! They also told us many many times this would not affect credit scores or credit reporting, however I do not think this is what is actually happening. I tried to refinance another loan and was denied because of the status of this loan that is being reported to my credit!

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 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I used BOA debit card to make a purchase {$400.00} for XXXX intial deposition, but the BOA account was recorded as withdraw, so I was charged a fee of {$10.00}. BOA originally promised me that they would refund me after the bill was released, but then they said that the system could not be executed after the bill was released. I had the opportunity to cancel the transaction, but I did not execute it because I believed they would refund.

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 2020-10-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings ; I sent 5 rounds of letters to the credit bureaus such as XXXX, TransUnion and XXXX  but they dont ' investigate about my problem beacuse I have not recieve any letters of them.

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 2020-10-22 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: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
Report submitted by Sequium Asset Solution on behalf of XXXX XXXX about collection of a delinquent account that is not mine. Report submitted to both XXXX  and XXXX. 
No one contacted me about the 'debt ' before the report appeared. 
I have resided in my current residence since XXXX, bought and paid for. 
I have not lived in XXXX XXXX since the mid XXXX. 
The property noted was not built until XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: KY

Complaint narrative:
In XX/XX/2019, I attempted to open a utility account with XXXX XXXX XXXX. They told me because of my credit report, I would have to pay a big down payment in order to receive utilities. I had a roommate so she opened the account in her name. They sent me a letter dated XX/XX/2019, which stated that I had a bad mark on there and a utility debt owed to XXXX XXXX. I called XXXX XXXX to see who and what they were. They told me that I had a debt of {$94.00} for services that I had received in XXXX XXXX Florida. I explained to them that I did not live in XXXX XXXX Florida and someone must have opened the account with my name. The people used my name and Social security number to open the utility account. They did not pay the remaining balance of the debt. Now it is on my credit report. XXXX XXXX told me that the perpetrators also used my information to open an account in XXXX XXXX Florida. The perpetrators were living at an address at the active account and XXXX XXXX said that they would immediately turn the energy off. XXXX also gave me information to report the identity theft. I started the process of reporting the identity theft. Due to the holidays and then Covid 19, I forgot about the process. I found the papers in my drawer and started the process again. I called Online Information Services and they told me unless they have the police report, they can not remove the account from my credit report. I called the XXXX Kentucky Police Department and they told me to call the XXXX XXXX Police Department to make the report. XXXX XXXX told me that I needed to call the XXXX Police Department to file the report. I then asked to speak to the police chief at the XXXX Police Department. The chief department told me I needed to call the FBI to file the report. I went online and sent a report and I have not heard anything back since. I have XXXX XXXX and do not have the energy to continue this process. I called the online information services and they told me that until I get a report from the police department I would not be able to get this written off. How do I proceed from here.? No one is helping me file a report. Can your service help me to get a police report so that I can file this and get this taken off of my credit report. This is the only negative report that I have on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: DC

Complaint narrative:
I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Spring of 2016 I was victim of money fraud. An online fraud scam via dating site called XXXX. I checked with my bank, Chase, who confirmed this was legitimate and secure. Turns our after 4 wire transfers, I lost {$16000.00}. Everything I had saved. Chase claimed no responsibility and ignored any part of getting my money back or helping me. 
What can I do. I need help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
When the Coronavirus Pandemic began, the Governor closed both of my XXXX XXXX. I contacted Bank of America and worked out a series of two loan forbearance plans. I received confirmation in the mail for the forbearance. I recently called to let Bank of America know I am back on track and made monthly payments via electronic bill pay through XXXX. 
I was told by the BOA representatives they don't see the forbearance plans nor authorization for forbearance. I told them I had letters and emails to prove this was offered and accepted. They began telling me I needed to fill out a multiple document approval form ( s ). I reminded them I was not told this during the initial approval. Bank of America debt collectors are demanding payment in full on my primary Mortgage & HELOC immediately. They sent a packet to me via email that is secured and I am unable to open. Several others are reporting similar treatment from BOA. At one time during the conversation, the rep. Told me BOA had a transition and some of the data may have been lost?? She seemed very confused and uncertain. The second rep. From another dept. Was extremely rude and kind of told me off. 
I no longer feel comfortable with Bank of America or their associates. 
I have a XXXX year old son and XXXX years of age. Please help me. 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 2020-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants' Credit Guide Company
State: CO

Complaint narrative:
Original amount Hospital supplied to collections was for {$1200.00}, which was disputed for nearly a year with Hospital not providing documentation requested. Collections agency " Merchant '' began regular calls. A case was filed with the IL AG XX/XX/XXXX, and on XX/XX/XXXX the Hospital provided written notice that all charges/collections were dropped, with a {$0.00} balance. No further communications have occurred since resolving. 

Following resolution of the balance, I have received calls again from Merchant on following dates ( all XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each call rings once then is immediately directed to voice message, where Merchant informs they are collections and I need to call back. 

On XX/XX/XXXX, I finally called back and spoke with an individual. They looked up my number, informed me 3 people were listed ( I only recognized my name ). When they looked into my name, I was told that the calls must be an error on their part and my account has been resolved. I was also told they would ensure removal of me from the calling. 
As noted above, I received a call again XX/XX/XXXX which gives appearance nothing has changed in status.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
I '' m short selling the house, I have a signed contract and proof of funds but the mortgage company ( flagstar ) Keeps loosing the documents, delaying the process, due to this the documents will expire one day after their review is done so I will have no time to fix any issues. 

I found the following list of abuses by Flagstar on the CFPB website. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ - I'm having these same issues from your list.

Closed borrower applications due to its own excessive delays.

Delayed approving or denying borrower applications Failed to alert borrowers about incomplete applications Flagstar does not define what needs to be on the documents they request, so there is no way of knowing if you have met their requirements. Most of their customer service people can't find documents that are in their system so they tell you they are not there. But if you get someone who was trained properly ( 1 out of 4 ), they find all the documents ( same day ). The ones that can't find the documents lie about it and ask you to send them again. 

The CS people say they will call realtor about any issues but never do. They will tell you they did but realtor has no missed called or messages. The phone number they use should be from the 3rd party authorization form that the realtor filled out.

Clearly Flagstar is a predatory bank and/or grossly incompetent.

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 2020-10-22 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I attempted to resolve this issue with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) Ally Financial - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by COVID 19. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.

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 2020-10-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings ; I sent 5 rounds of letters to the credit bureaus such as Equifax, XXXX  and XXXX  but they dont ' investigate about my problem beacuse I have not recieve any letters of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Greetings ; I sent 5 rounds of letters to the credit bureaus such as XXXX, XXXX and Experian but they dont ' investigate about my problem beacuse I have not recieve any letters of them.

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 2020-10-22 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: DC

Complaint narrative:
I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies XXXX Transunion, XXXX, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: DC

Complaint narrative:
I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies XXXX XXXX Equifax, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Bank of America mortgage. I have already filed an existing complaint about them due to a double payment being taken from our account two times! 

Today I spoke to a customer representative who could clearly see the overpayment made, this time though, I was asked to submit copies of our BANK STATEMENT by Fax to PROVE too much was deducted from our account. 
I contacted Corporate on XXXX XXXX 2020 XXXX XXXX, who advised me by email that they were in the process of reversing the overpayment. 
That wasnt done. 

Now I have to find a fax machine, and send them personal information in the hope our details get to the right person. I have no way of getting an acknowledgement that it has arrived and they are dealing with it. 

I am shocked to have to do this but then again, its Bank of America.

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 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My mother passed away in XXXX, 2020. She did not have an " estate ''. I was not her personal representative. She did not have a personal representative for she had no assets and lived in a nursing home and was on XXXX. She did have an outstanding balance with a company called Care credit. She utilized Care credit services when she was still living independently and able to make decisions. When she started to become ill I did help out with monthly payments to Care credit however I am no longer able to continue doing that financially. I have been receiving multiple phone calls, multiple letters from this company. I have informed them in writing and by phone that I am not responsible for her debt and I had informed them that she does not have an estate .... I spoke to the estate department at care credit, they informed me that I would no longer be notified of any further contact through them. I even sent them a death certificateBut they continue to harass me. I would like to know how to proceed on this further. Thank you

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 2020-10-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
They are reporting inaccurate information on my credit report which is hurting me on getting credit. Equifax is stating that I was late with XXXX XXXX XXXX  XXXX on XX/XX/XXXX 30 days and XX/XX/XXXX 30 days. I was never late. I also exercised my right for FCRA, I have certified mail proof that they received my dispute on XX/XX/XXXX with a signature of XXXX XXXX.It has been more than 30 days, they must delete these inaccurate late reports from my payment history. 

I reached out to my state attorney who said this is a FCRA violation, I was advised to submit a complaint through CFPB, if it is not resolved they will intervene with legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: MI

Complaint narrative:
I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XXXX XXXX, 2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XXXX XXXX, 2020.

Company response to consumer: Closed with explanation