vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have been trying to resolve a adledged debt on my credt report that was assigned to LVNV Funding LLC/Resurgentance. First I was never informed of the adledged debt before seeing it on my credit report. I then disputed it with all 3 credit beruaes, The only thing i got was  from the credit beruae saying verified. I then wrote two letters to LVNV themselves with no response. I then sent a certified letter that was returned to me. My issue is other than no communicate is that they are reaging the adledged debt by reporting the date it was assigned to them and not the correct dates that it was opened and went into collections. I did get through on the phone once and they were extremely rude swearing at me and threatening me if I didn't resolve the issue right that moment. Very unprofessional, noresponses, incorrect information. Companies like this should not be aloud in business. People due fall on hard times but when trying to deal with it should at least be treated with respect and communications. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-25 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-25 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: WA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the RELIABLE account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and  this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2019-09-25 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2019-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In the year 2014 I was suppose to receive an annual payment in the amount of XXXX on my Chase personal checking account instead it was receive to a wrong chase account that I had close for many years and on top of that they disburse a cashier 's check to an old address that I did no longer reside for 8 years. I sign a first affidavit and 30 days later didn't receive my cashier check due to the fact that paper work was not process whent in for the second affidavit to sign it was a major bank issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
THIS IS A FOLLOW UP COMPLAINT! Southwest credit systems MUST remove this collection from my credit report because XXXX has spelled my name INCORRECTLY and anything that is reported on my credit report must be 100 % correct and mine. If you Look up my previous compliant attached is a screenshot from a old bill from XXXX and you can see that my name XXXX XXXX XXXX is spelled incorrectly. XXXX has it spelled as XXXX which is wrong. How is that PROPER verification if you do not have the right spelling. Thats a direct violation of the FCRA and must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I utilized XXXX through Bank of America to send money to another B of A customer. This was a business transaction where I transferred {$500.00} for services. The individual received the money never completed services and can now not be reached. 
Bank of America tried reaching the scammer they could not and now refuse to do anything further. The scammer was also a Bank of America customer.

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 2019-09-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX XXXX XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a XXXX  XXXX XXXX situation. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion employee, XXXX XXXX, Senior Supervisor in the special handling department was the 4th person I spoke with on XX/XX/XXXX. I spoke with an agent in the disputes department, I spoke with her supervisor, I spoke with that supervisor 's supervisor, then she transferred me to XXXX who is her supervisor. 

Every single person told me they do not care what the law states about consumer reporting practices, that they only are required to comply with company policy. 

TransUnion is reporting an installment loan account by creditor XXXX XXXX, acct number XXXX. The creditor very accurately lists adverse information for this account and TransUnion classifies it as - " Condition Derogatory ''. The account was paid off and closed on XX/XX/XXXX, which is 9 years and 6 months ago. This violates federal law. 

In fact, TransUnion lists this account as a factor adversely impacting their computation of my credit score, and states that once this account is removed from my credit history, in time, my credit score will improve. 

My credit score from TransUnion, as a result of this error, is XXXX. In their explanation of the computation of this score, TransUnion states, " Based on your credit report data, this is a depiction of your credit worthiness. '' In comparison, my scores from XXXX and XXXX   are XXXX and XXXX respectively. Both XXXX and XXXX automatically removed this account at the 7 year anniversary without any request from me. More than 2 years later, TransUnion is still reporting this account in violation of Federal Law. 

The following code clearly states this account must be removed from my credit report. After 1 hour and 25 minutes on the phone, while still refusing to comply with the law, XXXX stated she was notating my account so that all other representatives would be advised NOT to remove this information under her direction, such that if I call back I will be refused for this same request, then she hung up on me. 

U.S. Code Title 15. COMMERCE AND TRADE Chapter 41. CONSUMER CREDIT PROTECTION Subchapter III. CREDIT REPORTING AGENCIES Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The debt ended up on my report so I called the company. They said that it was removed by the original creditor ( XXXX XXXX XXXX XXXX in XXXX XXXX, TX ). It shows paid on report but it should have never been there in the first place. I'm current and never even been late. I don't owe anything to the apartment or the collection company. I asked them to remove and give me written proof but they would not comply. I called the original creditor and they said they told the collection company to remove it and that's all they can do. 
National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll free : XXXX Account # XXXX Balance : {$150.00} Creditor : XXXX XXXX XXXX XXXX - XXXX Office XXXX XXXX XXXX. XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX , XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a Bank of America situation. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.

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 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
I have had my mortgage with McCue mortgage for 15 years without any issues and have had the same homeowners insurance company XXXX XXXX. My homeowners is escrowed with my mortgage and I am current and have been with my payments. My annual home owners of {$1300.00} was due in XX/XX/2019 to XXXX XXXX. I received a bill from XXXX XXXX stating XXXX was received and they would re bill the mortgagee. I also contacted the mortgagee and they confirmed it was taken care of. In XX/XX/XXXX I get a cancellation notice from the insurance company for non payment. When I called the insurance company I was told the check bounced. Once again the mortgagee told me everything was fine. Then next bill stated there was a correction of more charges, and got a cancellation notice and was cancelled by XXXX XXXX XX/XX/19 and I had to pay out of pocket {$280.00} to reinstate XX/XX/19while they research as we are back to square one and say they do not have payments. I have contacted the mortgagee and have been told that they received confirmation numbers so as far as they are concerned they are done. After repeated attempts to fix this Mc Cue is ignoring my concerns. They had to have been notified that my insurance was cancelled and they did not contact me about cancellation.

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 explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I made a payment that brought my account up to good standing almost two weeks ago. My account was still reported with miss payments and the incorrect balance. Why wasnt my account reported months ago, if and when it went delinquent? Why just now for multiple months, months later hmmm.. Security Finance is obviously not keeping up with there books on a day to day, not even week to week basis because my payment would have been credited to my account and the report file to the credit bureaus would have be correct. Since my account was in good standing at the time of the miss payments & incorrect remaining balance was reported it is false and incorrect information being reported, when the loan party apparently feels like reporting on its clients credit reports.

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 2019-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
FREEDOM MORTGAGE IS ATERRIBLE company I was suppose to refinance and close on XX/XX/2019 they told me not to pay in XX/XX/XXXX for the month of XX/XX/XXXX. I was working with XXXX XXXX my loan officer. So I didn't pay for XX/XX/XXXX. and then he calls me on XX/XX/XXXX and tells me to pay for XX/XX/XXXX or its going to be on my credit report and Then I  would have a late payment that would make it so I can not close/refinance. I have never done this before so I did not know the process just trusting my mortgage company. So I tried to speak with a supervisor or manager no one ever calls back. I get a new loan officer XXXX XXXX who calls me about closing in XX/XX/XXXX instead of anyone calling me back about the lies I was told. XXXX knows nothing about how his company is poorly handling my hardship and how I had to get more money to pay for XX/XX/XXXX mortgage even though I was told not to and I'm in a hardship and used that to pay my other bills. I even called and spoke with XXXX to make sure its okay to pay my other bills, he said yes these calls are recorded. I ended up paying the XX/XX/XXXX. payment and schedule to close in XX/XX/XXXX. Then the closers never showed up XX/XX/2019 XXXX. I called and got the run around. They reschedule for a few days later and the woman comes late to my house and closes. I then get a late fee letter and so I called and told them I closed they said there is nothing they can do. I spoke with a supervisor and so they said they will remove the late fees. I then get a call from XXXX saying the closer did not fill out all the documents and we need to close again and I will need to now pay XX/XX/XXXX and they sent my check back and I'll have to pay the mortgage and closing cost by Monday and that there is nothing that says they will wave any late charges. I asked for a manager and they said there customer service, loan officers, schedulers and ( Inspire ) the closing company are all different and I can call customer service if I want to complaint. I am now left with no closing. No money for XX/XX/XXXX mortgage and a check that is on hold because they reversed. I will now have this on my credit and can not refinance because this will be considered late mortgage and does not qualify with late payments.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've tried to apply for a credit card through XXXX on XX/XX/19 and XX/XX/19 and they tried pulling my credit report from Equifax and then told me that there is no credit history showing for me. I then tried to view my credit report with Equifax and there is no existing file for me. This is odd because I'm able to check my score on XXXX XXXX, XXXX, and XXXX perfectly fine with accurate information. But for some reason Equifax has no file for me. I now have 2 hard inquires on my account because I applied for 2 cards through XXXX and got rejected twice due to not having a credit history from Equifax. I've tried talking to Equifax customer service multiple times and they have not been able to locate my file. I called XXXX and asked if they have been reporting my credit to Equifax, and they said that they have been for 2 years now. I've sent in verification documents to Equifax on XX/XX/19 hoping that they can fix this issue, but I have little faith that they are going to resolve this issue peacefully. Would be greatly appreciated if this issue could be looked into and resolved ASAP. Thanks.

Company response to consumer: Closed with explanation