vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America credit card company closed our credit card in XXXX of XXXX because of delinquency. 

I do not have the statements from 10 years ago so I called and requested the statements from Bank of America. 

The representative told me she could see from " the notes '' that the account was closed and referred to their collection department on XX/XX/XXXX. 

She then referred me to the " recovery '' department who also told that the account was closed so long ago they don't have the statements any longer. The irony is almost too much. She reconfirmed the date Bank of America closed the account following past due balances, XX/XX/XXXX. 

She also directed me to a fax number to direct my complaint. It is XXXX. I don't know who that is or where that number goes? I've been give that number in the past and have sent a written statement similar to this. 

After Bank of America closed my account, I paid Bank of America when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency or Bank of America " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt, not the date of the original deliquency they are required to report. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX! It was not. 

I wrote Bank of America. I called Bank of America and the Collection Agency. They both blame the other telling me to call the other. I supplied all of this information to Bank of America who ironically is in full possession of the statements and the closing date. I hired a credit repair companies to address this. Still, Bank of America continues to confirm the re-aged date is accurate. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But Bank of America and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.

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 2020-09-19 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 {$14000.00}, {$23000.00}, {$8900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$8900.00} -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 2020-09-19 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 {$14000.00}, {$23000.00}, {$8900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$8900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Theres a few inaccurate accounts as well as personal info which need to be deleted immediately.

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 2020-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During Covid 19, Wells Fargo offered relief to consumers for up to six months with options on how to reconcile missed payments. I utilized three months ( XXXX, XXXX, and XXXX ) worth of loan relief. I called in the second week of XXXX to make sure I was taken off the loan relief, make a payment, and to request the balance be moved to the end of my loan. This required some notarized documents, which were received approximately XX/XX/2020. 

I payed my XXXX, XXXX, and XXXX payments. However, I was supposed to be contacted by a notary which did not happen until the second week of XXXX. While waiting on the notary, I had contacted the executive office and they explained I could use any notary I wanted so I found a notary and sent the documents off by XX/XX/XXXX, BEFORE the Wells Fargo notary ever contacted me. 

I have made my payments timely, completed all requirements asked of me but they are not applying my timely payments. They are taking the money and logging a past due amount for XXXX through XXXX. If they are taking my money, how am I past due? It took them a whole month to get me the papers, another month ro get the notary to contact me, and now I am going on a third month waiting to hear back from them while they hold my payments XXXX. There is no excuse for this. This pandemic is an extraordinary circumstance and they are taking advantage of people.

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 2020-09-19 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
On XX/XX/XXXX Transworld Systems Inc. closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX Transworld Systems Inc. placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from Transworld Systems was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, Transworld Systems constantly sent me a copy of bill from XXXX  XXXX XXXX  which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to Transworld Systems from XXXX, XXXX and XXXX stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from Transworld Systems Stating how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, Transworld Systems has again willfully violated the FRCA by not responding to my dispute. 

Transworld Systems Inc has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to Transworld Systems Inc. several times with all required documentation concerning this alleged debt. 

I have have asked Transworld Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. 

This is the Information that the credit bureaus are supposed to store in their database on every consumer. 

As well as 609 ( c ) ( E ) As of 09/18/2020 Transworld Systems Inc is still reporting all negative Information about this alleged debt to all three of my credit reports. XXXX, XXXX and XXXX.

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by Transworld Systems and the disputes that i have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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 {$14000.00}, {$23000.00}, {$8900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -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 2020-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
On XX/XX/20 I sent an email to ( XXXX ) that I was advised to do so by a representative. I advised that I have always used bill pay via my bank XXXX XXXX and never was received late fee until XX/XX/XXXX when the payment was sent out a day earlier ( XX/XX/20 ) than the payment in XX/XX/XXXX ( XX/XX/20 payment sent ).  I received a response on XX/XX/20 saying they aren't able to locate my account which I replied with all information they required ( full name, address, phone number, full account number and confirmed email. Received another email requesting more information and documents that didn't seem necessary for a simple late fee refund that shouldn't have been charged in the first place. I than replied asking for a supervisor to call me ASAP to discuss and hopefully resolve the issue via telephone and nothing, I called in to XXXX to speak to representative and phone call was disconnected. I than sent another email on XX/XX/20 requesting for a call since they disconnected my call the last time I called in trying to discuss the situation. Since than, I believe they have illegally took a portion of my normal payment to pay late fees and charged me another late fee because they took money from my normal payment that was paid in full and applied elsewhere/fees. They are charging additional illegal fees and not helping consumers even during a national pandemic. I finally got to a supervisor today XX/XX/20 explaining the situation and wasn't helpful asked to speak to a supervisor and said would forward a message but couldn't give me a name or telephone that i could be expecting a call. asked for his information to keep for my records and he advised he didn't have to give me that information and would pass the message along. Very rude and unethical procedures this company has shown. I have always paid my monthly payments on time and in full and have received the worst customer service in my life, I hope there is legal action taken against this company and they pay for there wrong doing. Also check the XXXX with same complaint, I wish I had read the reviews before accepting a loan with yamaha.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It took quite sometime to get a letter clearing the error from my credit report, that Bank of America submitted. They are still reporting my mortgage 90 days past due and Ive been unsuccessful getting to the bottom of this with the bank. The credit bureaus can only dispute it on my behalf but I am trying to get a mortgage and the past dues that are showing are preventing me from closing on my house. Im running out of time and cant reach anyone in Bank of America who can resolve this! 
This mortgage was paid off on XX/XX/XXXX. How am I 90 days past due in XX/XX/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 2020-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Consumer Complaint Synchrony Care Credit offered a promotional 0 percent interest rate on my XXXX XXXX. I used Care Credit to purchase XXXX XXXX in XX/XX/XXXX. The promotion was that there was no interest for a year, however when they billed me in XX/XX/XXXX they referenced a tiny piece of print and the word deferred interest at a rate of 26.99 %. The charge was exorbitant. When my son and I called to sort this out and reach an agreement two representatives, XXXX and XXXX were not helpful. When I asked XXXX to speak to someone else he asked, 'who? '. I asked if there was someone else and he told me that another rep would tell me the same thing. I asked if there was someone over him or if he was the XXXX if synchrony. He transferred me to XXXX who finally noted that old age and memory were part of the issue, however he said that the interest was contractually allowed so there would be no negotiation and the interest would stand.

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 2020-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MA

Complaint narrative:
I am trying to recast my loan with a {$100000.00} payment towards my loan principle. After several attempts starting on XX/XX/XXXX my request to recast has been unacknowledged. I have received several different instructions of information to submit to an email address when calling. There is no representative with United Wholesale Mortgage that I can speak with about my recast request. Only an email address with no response is available for recast requests. It is well over the processing time that I was told it would take for recasting. I believe my requests are intentionally being ignored to collect more interest from me and sell my loan before recasting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX I received a notice from Flagstar Bank dated XX/XX/XXXX indicating that they did not have proof of my homeowners insurance and that they would force place insurance related to my mortgage. 
Flagstar had recently ( XX/XX/XXXX ) bought the servicing of my mortgage from XXXX. I have maintained the contractually required homeowners insurance since the origination of this mortgage through XXXX. The servicing company 's shoddy recordkeeping and lack of adequate controls should not shift any burden to me to provide proof of insurance which is both currently in place and has been continuously in place since origination. 
I reject any accusation that insurance is not in place and further note that both XXXX and Flagstar have taken escrow payments as part of my monthly payment which are intended for both property taxes and homeowner insurance. They are responsible for paying both of these items. If they have not been doing so, they are effectively stealing from me by not using the escrow payments for the intended insurance and property tax purposes.

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 2020-09-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX credit card company closed our credit card in XX/XX/XXXX because of delinquency. 

I do not have the statements from 10 years ago so I called and requested the statements from XXXX XXXX XXXX. 

The representative told me she could see from " the notes '' that the account was closed and referred to their collection department on XX/XX/XXXX. 

She then referred me to the " recovery '' department who also told that the account was closed so long ago they don't have the statements any longer. The irony is almost too much. She reconfirmed the date XXXX XXXX XXXX closed the account following past due balances, XX/XX/XXXX. 

She also directed me to a fax number to direct my complaint. It is XXXX. I don't know who that is or where that number goes? I've been give that number in the past and have sent a written statement similar to this. 

After XXXX XXXX XXXX closed my account, I paid XXXX XXXX XXXX when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency or XXXX  XXXX XXXX " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt, not the date of the original deliquency they are required to report. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX! It was not. 

I wrote XXXX XXXX  XXXX. I called XXXX XXXX XXXX and the Collection Agency. They both blame the other telling me to call the other. I supplied all of this information to XXXX XXXX XXXX who ironically is in full possession of the statements and the closing date. I hired a credit repair companies to address this. Still, XXXX XXXX XXXX continues to confirm the re-aged date is accurate. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XX/XX/XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But XXXX XXXX XXXX and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.

Company response to consumer: Closed with explanation