vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 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I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX I took out a mortgage with Bank of America ( BOA ). BOA failed to transfer my loan into the REMIC Trust called Banc of America Funding Corp. mortgage pass-through certificates Series 2006-A. According to the Pooling and Servicing Agreement that governs the Trust, my loan was to be sold to Banc of America Funding Corp. ( BOAFC ). BOAFC was then to act as the depositor of all loans into the Trust. This never happened with my loan. According to the promissory note that was endorsed in blank by BOA and then stamped to be credited to the Trust. According to the PSA and the Mortgage Loan Purchase Agreement affiliated with the Trust, BOA has violated the method of transferring my loan into the Trust. Now XXXX XXXX  as Trustee for the REMIC Trust is foreclosing on me and they are using fraudulent documents to show my loan is part of the Trust when it is impossible. My loan would have had to be transferred into the Trust back in XXXX of XXXX, and it never was.

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 2019-11-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 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: VA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
I recently submitted several complaints to XXXX & LexisNexis regarding a Chapter XXXX bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

My bankruptcy is scheduled to be deleted in XX/XX/2020. I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking LexisNexis & XXXX  to read the above law by the FCRA and delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: VA

Complaint narrative:
I did complain before and every time I asked for my credit report it is inconsistent with the report, first, my credit report says I owe XXXX {$700.00}, as I point out I'm current XXXX customer and XXXX never asked me for that bill, now my credit report change to I owe {$700.00} utility bill. I don't owe any utility bill, all our household bills pay by my husband. and my husband have an excellent credit score.

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 2019-11-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL THREE CREDIT BUREAU 'S ARE ALLOWING XXXX AND XXXX  TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. THIS INFORMATION WAS JUST UPDATED AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
ALL THREE CREDIT BUREAU 'S ARE ALLOWING SANTANDER AND XXXX TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX  EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. BOTH COMPANIES JUST UPDATED THEIR INFORMATION AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: NM

Complaint narrative:
In XX/XX/2019 I received an email from Veterans United Home Loans stating my file ( case ) was closed. I sent and email back that also went unanswered : What a horrible  service! I never talked to anyone. My messages were never answered. I never received a letter. What a waste of time. This company got my information and I got nothing. Asking this company to delete my information would not bring justice.

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 2019-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: PA

Complaint narrative:
I called company about paying off refrigerator in XX/XX/2019. Was not made aware that I have overpaid on this lease. My payments total XXXX, but my lease is for a little over XXXX. I went to the XXXX  outlet store in XXXX XXXX, pa which is now closed down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: IN

Complaint narrative:
The mortgage statement only lists one mortgage company ( AmeriCu Mortgage ) -  there are two mortgage companies affiliated with our mortgage loan ( AmeriCu Mortgage and Towne Mortgage ). 

XX/XX/XXXX - contacted AmeriCu today - they sent a statement two days ago stating we owed late fees of {$61.00} as listed on the statement. Upon reviewing our account online and speaking with the representative I was informed we are late because we make payments bi-weekly online. But, the Towne Mortgage and AmeriCu Mortgage ( they use the same online system ) allows for biweekly payments and I have been paying in this manner for years. The representative further stated that I ' can not ' make biweekly payments and that is why I owe them additional money, and that the XX/XX/XXXX had not been paid. Further review of my payments ( via their online system ) indicated they have been applying my mortgage payments to PRINCIPLE which makes it appear I am not payment the mortgage. The issue ; they online payment system breaks the payment up and allows for additional allocation to principal, which I tend to make payments towards principal each month ( from {$10.00} - {$50.00} ) but, never for hundreds of dollars. When I asked why the mortgage payments were NOT applied as I indicated on the payment system, the representative did not have a valid response and basically stated, again, that it was my fault for making biweekly payments - I asked to speak with a supervisor - the rep stated the supervisor was not in until XXXX XXXX. 
As stated on the call today, our payments are paid one month in advance ( in biweekly payments ). We are NOT late on our mortgage. 

My husband is a XXXX veteran. It is my opinion this mortgage company is attempting to take advantage of our funds and this VA mortgage. 

Representative name : XXXX Supervisor name provided : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing an account with XXXX XXXX for over the past year. The account in question has inaccurate information that the credit bureau has been reporting during that time frame and possibly longer since i found it on my credit report. The account is reporting a charge off each month and a balance of {$800.00} being owed to XXXX when the account has been sold to 3 different collection agencies over the past year and there should be a {$0.00} balance showing. These collection agencies are XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I deposited {$1200.00} into my BBVA compass checking account via atm cash disposit. After inserting the bills and following most of the prompts, the atm froze. After about 8 minutes it read that my transaction was canceled and returned my card. My money wasnt in my account nor was it returned by the atm. I then called bbva customer service and let them know my situation. I was told it would be 10 business days before I would receive my money back as thats how long the investigation would take. I called last week on the XXXX and was told they had until the XXXX to return my money or issue me a temporary credit but that if I wanted my funds sooner to speak to the investigation department. Once transferred, I was informed by a manager of the investigation department that there were only liaisons between the investigators and the customer and had no control of funds being released. She instructed me to contact the branch manager of the atm location and gave me their phone number. When I called the branch the manager then told me after looking into my file that they had the wrong address on file that they had on file XXXX XXXX XXXX XXXX XXXX, FL XXXX United States, instead of XXXX XXXX XXXX XXXX. She told me that was the correct address for the branch whos atm I used. This morning XXXX XXXX ) I went to call compass customer service once again as my money still has yet to be returned and they are closed on weekends. After being on hold over and hour and transferred to multiple people who did not know what they were talking about. I got back in contact with the dispute department and she informed me that the investigation was trying to close my dispute and they hadnt even selected an address for the Location and were going to just code the dispute for lack of proper information. Now they are trying to make me wait another 15 days for my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX took a few hundred dollars of tee time money from our golfers and were not supposed to ; we asked them to stop and send it to us and instead they did it again. We asked for it back and waited a couple weeks, then asked again. We finally got frustrated with the way they do business and went with a different golf software. They never sent the check. This began in XX/XX/XXXX. 

About 4 weeks later they contacted us asking for payment and we told them we have clearly not been using their software. They threatened us and we told them to cease and desist since they breached the agreement and we went with an honest software provider. They are a very dishonest company and so is the collections firm. 
the collections company stated : " Satisfactory arrangements have not been made to resolve this obligation to our client. As a construction and building material company, our client has specific remedies at its disposal to pursue satisfaction of the above referenced account. '' They are a tech company providing cloud based software solutions to the golf industry, they are lying and saying they are a " construction and building material company '' so they can utilize collection methods that would otherwise be illegal. This is fraud and a material fabrication. This are a couple of very dishonest companies and they should be investigated. I have heard a lot of other golf courses left XXXX  due to their dishonest business practices. Our lawyer is sending this collections firm a cease and desist. We would appreciate some help as what they are doing is definitely illegal. 

XX/XX/XXXX An email was sent to us requesting we pay {$4300.00} this is false, we have yet to receive a check back from them

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Approximately one year ago, I went on line to freeze my credit account at Equifax. 
I signed up and created an account just as I had for the other two credit bureaus. 
However, Equifax said that I could freeze my account at that time. 
I thought that was strange, but I let it pass and figured I would try again later. 
It was later that I heard about the data breach at Equifax, and thought maybe that was the reason for this. So I put doing the freeze on hold until today ( XX/XX/2019 ). 
I again, tried to put a freeze on my account, but the on-line system said I should call them. 
So I did. 
I spoke to someone and was told that based on the information I provided on signing up, I could not freeze my account on-line. When I ask why, I was told that they did not know, just that I could not use the on-line services. I then spoke to supervisor XXXX XXXX employee number XXXX ), and after going through the whole verification process and holding on again, she said the same thing. I could not use the on-line services, there was no way to correct the problem, and no one to talk to who could correct the problem. That was just the way it was and there was nothing they could do to fix it. 
So, I can not freeze my credit info at Equifax, and they offer no way to correct this problem. My credit is vulnerable ( especially with a company that already had a data breach ), and I am given no method to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
On XX/XX/2019 until the present, Zwicker and Associates has violated my rights. The following things happened.

( 1 ) Zwicker & Associates, PC, the company that is filing this claim has no consumer insurance license to collect in the state of North Carolina. According to the North Carolina statues 58-70-5, Zwicker & Associates must have a license in the state to collect. 
( 2 ) FDCPA rights has been violated under section 807 ( 2 ) XXXX XXXX has charge off this debt, and Zwicker & Associates now owns the debt, and this claim is filed incorrectly. Exhibit A shows that the debt has been charged off which means that XXXX XXXX has given up on collecting this debt. 
( 3 ) My FDCPA rights has been violated according to section 809 ( a ) 2-5, that they are required to send a notice of debt, and I never received a notice of debt or validation of debt. 

Zwicker and Associates is only licensed in 3 states and not North Carolina. This is a felony in the state of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
In XX/XX/XXXX I received a letter to appear in XXXX XXXX County Superior ( XXXX XXXX, Indiana ) court a motion initiated by Portfolio Recovery Services., LLC ( Plaintiff ). XXXX XXXX XXXX. XXXX, VA XXXX. 

Chronological summary : On XX/XX/XXXX, I received a certified mailing notifying me of debt from that was obtained from their company on XX/XX/XXXX. At such time I became aware of a fraudulent account opened in my name. I disputed the debt with both the debt collector and the credit bureaus. On XX/XX/XXXX I received a notice from the Portfolio that the acknowledged the dispute and requested with the consumer reporting agencies that the debt be listed as disputed. 

I received no further communication from the debt collector until XX/XX/XXXX. The debt collector filed a motion with the XXXX XXXX XXXX XXXX XXXX. I contacted the debt collector and informed them to cease court activity as the statute of limitations for court action for a debt in the state of Indiana was six years and the debt in question was from XX/XX/XXXX. 
I contacted the clerk of the Superior Court in XX/XX/XXXX and was informed that the plaintiff did not file the appropriate paperwork in time and that the court date was not scheduled. 
I received no notice to appear in Superior Court to dispute the debt. 
On XX/XX/XXXX, a default judgment was awarded in XXXX XXXX Superior Court Cause No. XXXX. 
I was not notified that a court hearing was scheduled and had no ability to defend my case that 1. the debt was disputed for fraudulent activity 2. the debt was past the legal statute of limitations in the state of Indiana.

This is a violation of the federal Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX FL, Out standing bill {$260.00} paid XX/XX/XXXX Shows up on credit report for collection XX/XX/XXXX I C systems inc. collection is only taking paper information by mail, for proof its paid, That was mailed out XX/XX/XXXX Today I called they have not received anything, 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 explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
ADVISED MY CREDIT CARD WOULD HAVE RESTRICTION LIFTED. CONTINUED TO HAVE AN ISSUE PAYING DUE TO ILLNESS, CALLED AN EXPLAINED MY SITUATION, ADVISED OFFER TO LIFT RESTRICTION ON CC WAS RECINDED- BUT WOULD BE PLACED BACK ON ACCOUNT IF PAYMENTS ARE MADE AND ACCOUNT UNDER LIMIT, CALLED XX/XX/19, ADVISED RESTRICTION STILL ON ACCOUNT

Company response to consumer: Closed with non-monetary relief