vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I obtained a mortgage of {$190000.00} from XXXX XXXX XXXX Mortgage XX/XX/XXXX with a PMI of {$100.00}. The ORIGINAL HOME VALUE was {$230000.00}. The mortgage was immediately sold XXXX and had it for 5 years. In XX/XX/XXXX I applied for a loan modification and got approved where my mortgage was now {$190000.00}. In XX/XX/XXXX my mortgage was again sold to Green Tree. Since XX/XX/XXXX I have continuously asked for my PMI to be removed but kept on being denied. This year XXXX XX/XX/XXXX XXXX my mortgage is at {$160000.00} I asked for the automatic termination as stated in the Homeowners Protection Act. I got the run around for months and after months of it, I finally received a letter XX/XX/XXXX that my PMI will be automatically terminated XX/XX/XXXX. It is now XXXX and I am still being charged a PMI and after numerous phone calls, faxes and requests, they are now stating that my PMI will be terminated XX/XX/XXXX!! XX/XX/XXXX I will reach 62 % of my LTV ratio. 
GreenTree ( Ditech now ) is NOT in compliance of the Homeowners Protection Act for the following reasons. 
1. Loan modification in XX/XX/XXXX did not include a new letter or contract for the PMI stating the terms, time of automatic cancellation or when my loan would reach 80 % LTV ratio. They are refusing to supply me with this type of letter. 
2. There was no new appraisal to calculate LTV ratio during loan modification. 
3. They are NOT using the original appraisal value to calculate LTV ratio to remove PMI. I do not know what value they are using because they did not do another appraisal on my home besides the original appraisal. I asked them for the appraisals that they have on file and they only gave me the original of {$230000.00}. 
4. Currently my LTV is XXXX % when using ORIGINAL HOME VALUE. 
5. They are not honoring they letter to remove PMI XX/XX/XXXX. 
6. Ditech is now requiring me to complete a customer-requested cancellation where I have to pay for another appraisal, but it is not necessary as this should be an automatic termination since my LTV is XXXX % and nowhere near 80 %!!!! 
7. Refuse to put anything in writing when asked for letters stating their position and explanation. 
8. Refuse to allow me to speak with anyone such as the escrow department other than customer service. Customer service ALWAYS states that they do not know or are unaware and will forward my information and someone will get back to me either by phone, email or mail. No one ever responds. 

GreenTree ( Ditech ) is NOT in compliance with the Homeowners Protection Act of XX/XX/XXXX and should be fined!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
XXXX and the early warning System are reporting derogatory information to XXXX Pertaining to frivilous debt that im not responsible for Im a victim of fraud and identity theft since XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the Perpertrators. XXXX XXXX WAS AUDITED IN XX/XX/XXXX BY THE Irs tax examiner for claiming fauld dependenr deductions. They also opened a checking account A Business Account with XXXX and a XXXX acct with XXXX XXXX bank then had me investigated by consumerinfo Credit collection Agencies are reporting incorrect information about my income Residential Address and XXXX XXXX XXXX is displaying incorrect information about my nane and sex. The division of the general service administration is reporting derogatory information about me. I was convicted of a crime but my civil liberties are restored. I am discriminated against in XXXX XXXX by federal entities because the assused me of a frivelous homicide which i would have been proven innocent if i had of appealed to the united states of nevada supreme court. Every since i came back to las vegas ive experienced nothing but casualties and theft of identity and fraud and more retaliation by the state of Nevada parol Commissioners. I am the owner of XXXX XXXX I was Audited in XX/XX/XXXX By XXXX XXXX Of The XXXX for over payment of funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have had a student loan with Navient student loan company since 2012. I have been in touch with this company several times. I realized after 2 years I was making double payments on this loan. I was mailing a payment and then they were taking the payment autopay every month. When I realized this I looked into it and they were charging me interest on both payments and not applying a payment directly to principal. When contacting the company I was hung up on several times and re routed to several people. I was basically told that is how it works because student loans are designed to be payed off within the payment plan originally chosen and that penalties were given if the loan was paid off before the desired payoff year. If I did n't get charged extra interest my loan would of been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
With out my Permission Ditech Financial issued Unauthorized Documents to my Bank & Funds from my Account was submitted to Ditech with out my Consent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under 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 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these acccounts nor did i use them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TranUnion is reporting inaccurate information in my credit file. 
The account name is XXXX XXXX Bank. I 've disputed this particular account with TransUnion and directly with the Creditor. It 's been over 45 days and I have not heard anything from original creditor. As far as TransUnion they are reporting inaccurate information. The balance should reflect XXXX because this particular account was written off by the original Creditor. Also since I directly disputed this account with TransUnion they are suppose to verify/ validate this account which they have not. According to FCRA TransUnion has 30 days in which to validate your dispute. It has to be noted in the " comment '' section which is has not. That 's a violation of the FCRA rule 601 ( XXXX ) ( a ).

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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion is reporting on my credit report with false information provided by XXXX XXXX for supposed creditor XXXX XXXX XXXX XXXX XXXX. This supposed unpaid medical bill showed up OVER 5 years after date of service. I have no outstanding medical debts with XXXX XXXX XXXX. I have had for over 20 years incredible medical insurance that has paid my medical bills. I have not received XXXX bill of a balance due and after having received nothing in OVER 5 years I find this debt to be fraudulent. I am not responsible for their faulty accounting records or inaccurately recording PAID debts. I want this immediately removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent this letter on XX/XX/XXXX, but I they have not responded yet.

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 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The account was discharged from my account XXXX 2011 please 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 2015-12-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I received a call from AdAstra Debt collection company regarding a payday loan I owe. I was threatened numerous times by a representative named XXXX. I asked XXXX to speak to another associate and he declined. XXXX stated he is the only XXXX I am able to speak to because he is handling the account. XXXX hung up, I called the company back hoping to speak to another associate. A representative name XXXX answered the phone and stated she was unable to assist that she would be transferring me to XXXX. I explained to XXXX that I was not comfortable speaking with XXXX and she still refused to assist me with simply taking a payment. XXXX advised me that unless I want the collection to be reported to the credit bureau then I better speak with XXXX. At this time I released the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a dispute regarding updating information on some delinquencies that were reported on my credit report by XXXX, that were later placed on forebearance for a date prior to the delinquencies to a date through the delinquencies pursuant to FCRA 623a2B, I submitted the updated information and requested that the delinquencies be removed and the credit reporting agency failed to update my information and remove the late payments abd failed to properly investigate and verify the information I submitted to support my dispute.

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 2015-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have an interest Chequing account with Ally Bank. The account number, routing number, my signature, home address, date of birth and other vital information was compromised. I called the bank ( also in writing via their secure message process XXXX to confirm that someone having the above information ( and more ) would be able to access the account and withdraw all the funds. The bank representative confirmed that this is the case. I accordingly requested that to prevent such from happening, that they open an identical account, transfer the funds from the compromised account to the identical account and close the compromised account, thus being proactive and preventing any possibility of the party involved carrying out the possible fraud, in this case, robbing me of all the funds in the account, with the ability to do it over and over indefinitely. 
They would not do it at the time I had them on the phone, saying they needed a few days to process the request. I knew that meant they would not do it and my suspicion was confirmed when I received a letter from them saying that because of my credit they could not do what I am asking. This is nonsense since I am not a new customer and I ALREADY have an account with them. All they have to do is as I have outlined herein and avoid the potential and highly likely fraud from happening. This has NOTHING to do with my credit. I already have an account with them and all I want is an identical account, but with a new account number, so the crooks can not steal the little money I have that I need to survive ( eat and pay bills and sometimes not even able to do that ). HELP! This is life and death for me and not a joke at any level. I am barely surviving and it would be catastrophic if one penny was stolen from me. In fact although I do not have or want Overdraft Protection, Ally Bank continually charges me Overdraft Fees of {$25.00} and that means my bills do not get paid and/or I have not money for food. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted a dispute to TransUnion regarding duplicate accounts on my credit report. 
XXXX is listed on my credit report twice. Please advise why the same information is on my account twice and lists the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I filed a CFPB. And I had a carloan account with XXXX XXXX XXXX XXXX that open in XX/XX/XXXX, however they reported that I was 30 days late on the last payment of the car. The 30 day late payment was removed when I filed a CFPB, however the 30 day late payment has been put back on my credit file.

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 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The company Transunion has failed to properly investigate inaccurate information on my credit report regarding the XXXX accounts reporting by XXXX XXXX and XXXX XXXX XXXX. My file number is XXXX. These accounts should be included in bankruptcy with a XXXX balance or deleted if not reported accurately since my filing of bankruptcy. I have attached supporting documents showing these accounts included in bankruptcy as the original creditor and the collection of the same 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 non-monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was never late in paying this account. It should be positive. Any negative history needs to be deleted as I always paid this account on time each month and it closed on a positive note ( Transferred to another company but completely paid off ).

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans union had a computer breach in their system that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result.This computer glitch which caused all of the inquiries on my credit report to be deleted, and my credit score increased.The very next week all of the inquiries were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XXXX but they refuse to fix their error in my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit file. I demand the following inquiries be removed immediately.1 ) XXXX ON XXXX, 2 ) XXXX ON XXXX, 3 ) XXXX ON XXXX, 4 ) XXXX ON XXXX, 5 ) XXXX ON XXXX, 6 ) XXXX ON XXXX, 7 ) XXXX ON XXXX, 8 ) XXXX ON XXXX, 9 ) XXXX ON XXXX, 10 ) XXXX ON XXXX, 11 ) XXXX ON XXXX, 12 ) XXXX ON XXXX ,13 ) XXXX ON XXXX, 14 ) XXXX ON XXXX, 15 ) XXXX ON XXXX, 16 ) XXXX ON XXXX, 17 ) XXXX ON XXXX, 18 ) XXXX ON XXXX, 19 ) XXXX ON XXXX, 20 ) XXXX ON XXXX, 21 ) XXXX ON XXXX, 22 ) XXXX ON XXXX, 23 ) XXXX ON XXXX, 24 ) XXXX ON XXXX, 25 ) XXXX ON XXXX, 26 ) XXXX ON XXXX, 27 ) XXXX ON XXXX, 28 ) XXXX ON XXXX, 29 ) XXXX ON XXXX, 30 ) XXXX ON XXXX, 31 ) XXXX ON XXXX THANKS, 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 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: National Commercial Services, Inc
State: AL

Complaint narrative:
Calling about an auto accident and claiming to have documentation that can affect my driving privileges. Will not leave his last name and states that he is with an insurance company but the number belongs to a collections company.

Company response to consumer: Closed
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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