vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: FL

Complaint narrative:
My wife and I were discharged from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy Lawyer. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with Transunion and XXXX with XXXX ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and discharged in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. Transunion promptly deleted the entire account from my credit report. XXXX eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called Transunion and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!

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 2019-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Every time I try to get ahead on payments, they change the way their interest is allocated or say that I missed a payment even though I'm on auto debit. They have stretched out interest payments as long as they can always finding ways to not actually allocate my money to the principal of my loans. I have now probably paid a few thousand extra or will pay in interest because they can't just be straight forward and take money out and apply it to loans that are supposed to receive the money. Their system makes no sense and it seems they're just trying to keep the payments going for as long as possible to XXXX as much money out of me as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I have mortgage for my home with Freedom Mortgage. I pay this bill online with XXXX  XXXX XXXX bill paying service. I have been doing this for as long as I own the house ( approx. 10 years ) without one late payment.

Apparently Freedom Mortgage changed their mailing address again and since I automatically pay them through XXXX XXXX XXXX I was unaware that their address had changed. They said it was on a statement but I don't look that closely at a new address, just go online and paid it. It wasn't until I got the next month 's bill that I saw I owed for two months. That's when I called Freedom Mortgage and explained what had happened. The Rep was very nice, and explained to me about the address change and stayed on the phone with me until the new payment went through with their new address. A couple of days later I called Freedom to make sure they received it after verifying with XXXX  that it had gone out. Freedom said they received it but had already reported me to the Credit bureaus. I was very upset with them since this was my first late payment EVER. Which can be verified at any time with them. I called them and they told me that that's what they do and there's nothing else I can do about it. I am looking into changing my mortgage company. However, I'm asking for someone to please please look into this for me as I don't want my credit ruined. I've lost sleep over this and am hoping that someone can please help me

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 2019-03-27 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: AZ

Complaint narrative:
On XX/XX/2019, I sent proof by certified mail to Equifax to remove fraudulent information. I also included form 605b which requires them to block fraud accounts within 4 days. Equifax filed dispute on 1 of the accounts which caused me to call them and inquire why all the accounts were not blocked. They decided to dispute the other account and not block it and told me that I have to wait 30 days for the block which violates FCRA 605B. I want this information blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Multiple fraudulent accounts were opened in my name, XXXX and XXXX. I was able to close the XXXX but not the XXXX one right away. Person spent XXXX on the XXXX   card. Person apparently has all my information including social security number. Every time i try to report to XXXX or equifax, it says that it can not process my request. It is so difficult to solve these problems but so easy for other people to create them. My credit score has went down 30+ points due to this. Inquiries i did not authorize went through. I use the XXXX XXXX app and thought it would be easier, but this makes it more difficult. All companies are giving me the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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: MS

Complaint narrative:
Bank of America charging me annual fee after I closed my account with them in year 2014. Approx 6 months ago I applied for a land mortgage loan through XXXX XXXX, XXXX Mississippi. They ran credit report on me for the loan. I received information on the credit report that I own Bank of America {$69.00} for annual fee after I had paid up my account and closed the account. So, I called them about what was showing on my credit report ... the rep on the phone from Bank of America look up the information and saw where I had closed the account and information about the annual fee. After going over the information the rep from Bank of America stated that she would remove this in formation and wave the XXXX. 
I just applied for another loan with XXXX XXXX XXXX XXXX and they ran a credit report and found that Bank of America still had not removed the annual fee. So, I again called them to question why its not been removed and rep said that it can not be removed until I paid {$69.00} annual fee. I explained to the rep that I had called approx 6 months ago and it was suppose to be removed she said there was no record of this request ... so out frustration I paid the {$69.00}. I recently when to my XXXX XXXX XXXX XXXX account site and view my FICO score and show that it lower my FICO score 20 points this is unacceptable. I don't understand this problem especially after I paid my credit card off and closed the 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 monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt was settled and paif through XXXX XXXX and it still remains on my credit report. I would like it taken off of all 3 credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a Citi XXXX card and haven't used it for a few years. At that time, I had a balance of {$100.00} when Citi changed their web site and I couldn't get in to make a payment. I called them and they assured me that it was fixed and I could go online and set up a new account. This wasn't true. The site didn't allow me to set up a new one because the old # still existed in the system and you can't have 2 accounts with the same #. I was being charged late fees & couldn't fix the problem. This first time, I paid the $ $ to make a phone payment but, with all the other stresses I had at the time, I just stopped paying. Last week, I received a letter from Citi telling me that " at the time of my purchase, I was not credited for a promotion they had '' ( which I told them about years ago BTW and they told me I wasn't eligible. ) The letter I received stated that I was due a refund for {$400.00} that should have been credited to me years ago and this was credited to my account. I called Citi and was informed that I needed to call the XXXX office because everything about my account was with them. I called the XXXX office/funded by Citi and was informed that the {$400.00} was credited towards late and finance fees. I am thinking that if this {$400.00} was refunded for a promotion at the time of purchase, I wouldn't have even owed the {$100.00} so how is it legal that they took the refund and applied it to late fees and finance fees that I would have never had if that promotion was applied? I asked for a payment history so my attorney could take a look at it and they told me that they didn't even have that. They said the account was sold so they have no history on it any longer.

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 2019-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Asset Recovery Solutions, LLC
State: CO

Complaint narrative:
XXXX promised it would help obtain more desirable jobs and higher income to better their lives. 
XXXX targeted me, I couldn't afford to pay its high tuition out-of-pocket. Therefore they pressured and coerced me using aggressive tactics into several high fee, high interest private loans to cover the gap that I could never afford to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
TILA rescission has occurred on XX/XX/2017 and the encumbrance was eliminated and the debt was converted from one arising from a promissory note to one arising from a statute 15 use 1635. The debt then became subject to the statute of limitations for claims under TILA because the debt now arises under TILA. 
Since BANA has acknowledged in court and acquiesced to the TILA Rescission and the statute has run the debt is barred. Ignoring the TILA Rescission is warping the value of the bankruptcy estate as well as allowing secured status to unsecured creditors. 
The effect on the XXXX estate by virtue of 15 USC 1635 is that the original loan contract has been replaced by operation of law with a statutorily imposed new agreement, the terms of which are spelled out in the statute. 
This means that per the statute and REG Z, which must be read along with the statute, the note has been replaced by a new obligation and the mortgage has been eliminated by the express wording o f the statute " by operation o f law. '' The obligation to repay continues as an enforceable liability provided that the claimant satisfies the conditions precedent set forth in the statute, but that obligation is no longer secured for the express purposes o f allowing the borrower to seek new financing from which the obligation could be repaid. 

The parties claiming to be owners of the debt or claiming to be representatives o f the owner o f the debt failed to comply with their obligations under the new agreement. Hence any right to enforce the obligation became inchoate. That failure by the claimant was not in any way caused by the borrower. 
The obligation arises not from the original loan agreement anymore but from the statutorily imposed obligation that replaced the original loan agreement. The statute is part of the Federal Truth in Lending Act ( TILA ). Claims under TILA are barred by the statute of limitations contained within that act.

Hence the obligation is wrongfully treated as secured when it had been converted to unsecured obligation by the statute, and the obligation itself is now barred by the statute of limitations. 
The effect on the bankruptcy estate is obvious any claimants under the original loan agreement are moved from secured to unsecured and, since they no longer have the benefit o f the written instruments ( the void note and mortgage ) they must establish their claim by filing a proof of claim in which they establish ownership of the obligation and thereby establish that the they hold the risk of pecuniary loss, without whic

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 2019-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I was misled by XXXX XXXX  and my degree did not do what they said it would so I have submitted the information to the Dept of Education for XXXX XXXX over a year ago but Navient keeps harassing me for payment and charging me interest for a loan that is supposed to be forgiven. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: NY

Complaint narrative:
Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I made a transaction on XX/XX/19 to send money to my Mom in XXXX. In less than 24 hours, my mom told me that the reference number on transaction doenot match and she had not received the money. I called XXXX at least five different times in an hour alerting them that my receiver had not received the money. One agent said that the money has already been submit. But did not provide who, when and how somebody took it without proper identification. I argued that money I send was taken out by somebody. Agent advised me to call after 3 to 4 business days. I called after more than 7 days and they said they are in under investigation and will take 60days. They also promise to call me or via mail me.. but I havenot get any response from them neither get my {$300.00} money back. Whatever they promise to people to send money safe, secure and fast but now I believe this company is total scam and fraud. They take advantages of people hardworking money to enrich themselves. Therefore, I believe this is the best solution for me to complain/contact you ( financial bureo ) to help me through out this difficult time. I eagerly hoping you will find the solution and sort this problem as soon as possible. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
IhadlefttoliveinXXXXsinceXX/XX/2015andwhileIleftsomeonehadusedmyinformationandopenedcreditcards.
IamhereinUSAforavisitbutIstillwantmyfraudchargestoberemovedfrommycreditreport

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had left to live in XXXX since XX/XX/2015and while I left someone had used my information and opened credit cards. 
I am here in USA for a visit but I still want my fraud charges to 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 2019-03-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
TILA rescission has occurred on XX/XX/2017 and the encumbrance was eliminated and the debt was converted from one arising from a promissory note to one arising from a statute 15 use 1635. The debt then became subject to the statute of limitations for claims under TILA because the debt now arises under TILA. 
Since XXXX has acknowledged in court and acquiesced to the TILA Rescission and the statute has run the debt is barred. Ignoring the TILA Rescission is warping the value of the bankruptcy estate as well as allowing secured status to unsecured creditors.

The effect on the XXXX  estate by virtue of 15 USC 1635 is that the original loan contract has been replaced by operation of law with a statutorily imposed new agreement, the terms of which are spelled out in the statute.

This means that per the statute and REG Z, which must be read along with the statute, the note has been replaced by a new obligation and the mortgage has been eliminated by the express wording o f the statute " by operation o f law. '' The obligation to repay continues as an enforceable liability provided that the claimant satisfies the conditions precedent set forth in the statute, but that obligation is no longer secured for the express purposes o f allowing the borrower to seek new financing from which the obligation could be repaid. 

The parties claiming to be owners of the debt or claiming to be representatives o f the owner o f the debt failed to comply with their obligations under the new agreement. Hence any right to enforce the obligation became inchoate. That failure by the claimant was not in any way caused by the borrower. 
The obligation arises not from the original loan agreement anymore but from the statutorily imposed obligation that replaced the original loan agreement. The statute is part of the Federal Truth in Lending Act ( TILA ). Claims under TILA are barred by the statute of limitations contained within that act. 
Hence the obligation is wrongfully treated as secured when it had been converted to unsecured obligation by the statute, and the obligation itself is now barred by the statute of limitations. 
The effect on the bankruptcy estate is obvious any claimants under the original loan agreement are moved from secured to unsecured and, since they no longer have the benefit o f the written instruments ( the void note and mortgage ) they must establish their claim by filing a proof of claim in which they establish ownership of the obligation and thereby establish that the they hold the risk of pecuniary loss, without whic

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 2019-03-27 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: AZ

Complaint narrative:
On XX/XX/2019, I sent proof by certified mail to XXXX  to remove fraudulent information. I also included form 605b which requires them to block fraud accounts within 4 days. XXXX filed dispute on 1 of the accounts which caused me to call them and inquire why all the accounts were not blocked. They decided to dispute the other account and not block it and told me that I have to wait 30 days for the block which violates FCRA 605B. I want this information blocked 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 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
This debt was settled and paif through True Accord and it still remains on my credit report. I would like it taken off of all 3 credit reporting bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation