vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to Experian regarding XXXX accounts that they continue to report incorrect information from them. I have provided proof to the creditors as well as, Experian. Still Experian continues to report this information alleging they have verified it despite the proof that I have provided them ( see attached ). This has prevented me for going forward with restore my credit. These accounts are reporting my Chapter XXXX BK filing incorrectly. My filing date was XXXX/XXXX/XXXX. They continue to report it as XXXX XXXX with past due amount. So and report that I have been delinquent for the past 3 months. This absolute false and is intentional. Prior to filing, XXXX/XXXX/XXXX I was never later not missed any payments, however, these creditor were notified at the time of filing and simply did not show up at the creditors meeting nor did file information with the courts to be included in the wage earner plan.

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 2016-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
Roundpointcontinue to contact us and failing to provide evidence and proof of steps taken showing how they calculated the amounts. I have documentation from assessor office of XXXX XXXX XXXX. Concerning property XXXX XXXX XXXX XXXX Louisiana XXXX qualify for special assessment, we also have documentation from fema confirming flood insurance is n't a requirement so it 's a little disturbing as to way this company is reporting incorrect information and another thing roundpoint states roundpoint paid XXXX county incorrect. This company is out just to capitalize of my husband and I and to manipulate the system for its own gain we are feed up. We are requesting that CFPB take corrective action thi matter have gone on a lil too long and a resolution is demand.

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 2015-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
I lost XXXX blank checks ( in my checkbook ) it was not stolen, but misplaced. I asked to have my checks stopped. there should not have been any fee on stopping a lost blank check, but I was charged for it. And in attempting to rectify the situation, service representative tried to put a hold on my account and close the account out, stating that it was policy to do so. 

It was averted, because I refused to give out my SS #, and problem was fixed finally by another rep in the supervisory role 2 hours later. 

However I wish to file a complaint for the service rep who deliberately mis-informed the customer and attempted retaliatory action in attempting to close the account when it was not needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
TCF Bank charged my account an overdraft fee totaling {$180.00} dollars. How can they charge an overdraft fee for each small purchase around {$5.00}. Is it not more reasonable to charge an overdraft fee to your account at midnight if you account is overdraft rather than charging {$35.00} on every small transaction that happened in the day. 
While it is a good idea to keep track of your current balance, TCF does not have a customer friendly services online and on their app. For instance, their website is so confusing and asks for multiple secret questions everytime I try to log on. 

I have checking accounts with other banks and when I go overdraft in the day, they send a notification to my email, and regardless of how many transactions I charge to my card they do n't charge the overdraft fee of {$35.00} to my account if I make sure I deposit cash into my checking account before the daily deadline around XXXX. 

I have to say that TCF Bank representatives were totally eager and indifferent about charging their customer {$84.00} dollars for going overdraft by {$10.00}. I was dismayed by their customer service and how they treat their customers with contempt. I have since closed my checking account with TCF Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
I submitted loss mitigation paperwork to my mortgage company in XX/XX/XXXX. I have n't been able to get a response to this paperwork and it is now XX/XX/XXXX. I am told my single point of contact is XXXX XXXX. I have n't heard from him at all via email which I have sent numerous emails or my calls. I was told a manager sent an email to the processors on XX/XX/XXXX and still no response. I followed up again today and was told thy were sending yet another follow up email and should call back on XX/XX/XXXX. Why is it t taking so long to get a decision. This is the second time Roundpoint has sat on paperwork for my home. I just need a decision made to finalize my loan terms or determine if I can stay in the home. The longer they sit on the paperwork the longer I fall behind. Loan Number 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 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: AZ

Complaint narrative:
My mortgage was sold to Seneca Mortgage and I had no idea until over XXXX days after the closing. I 've researched my consumer rights it and I should 've been notified XXXX days prior to this occurring not XXXX days after. At that point there was no XXXX payments due and the new mortgage company changed my due date to almost XXXX weeks different than my prior due date. I have also asked them to only call my cell phone and not my office phone XXXX times now and they still have n't called my cell phone and only call my office. By far the most frustrating situation I 've ever been a part of and from my research they did n't follow the guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: GA

Complaint narrative:
My mortgage servicer, Seneca Mortgage Servicing ( Seneca ), maintains an escrow account to pay certain expenses on my behalf, including property taxes. My county property taxes are due in XXXX installments, the first of which is due on XXXX XXXX of this year. I have emailed and called Seneca repeatedly to ensure they know the correct amount of taxes to pay, that there will be a 5 % fee for late payments, and that they will pay the taxes on time. I have asked whether, alternatively, I should pay the first installment and seek reimbursement from the escrow account. They have only responded once to my multiple emails, and the response was entirely unhelpful ( it just told me to mail my tax information to a XXXX XXXX in California, even though Seneca had already acknowledged receipt from me of updated tax information ). When I try calling on the weekends, Seneca informs me it 's closed. When I try calling on weekdays, I am disconnected by a " courtesy hangup. '' I just want to pay my property taxes, but it seems impossible to get Seneca to communicate with me. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: NY

Complaint narrative:
This complaint is an amended version of complaint # XXXX. I made this complaint without my notes, and I incorrectly represented that XXXX told me that HAMP did not apply because Key Bank did not accept TARP. That is what my housing counselor told me months ago ( and when I found out that Key Bank did accept TARP, drinking deeply of the TARP chalice and for a long period of time, I thought a complaint was therefore appropriate. ). What XXXX said in our XX/XX/2016 teleconference was that HAMP did not apply because the loan was a HELOC ( Home Equity Line of Credit ). As it turns out, this was also a misrepresentation that could be highly injurious to the estate, as I will explain. I have discovered other facts that indicate that Key Bank injuriously misrepresented the applicability of HAMP, a violation of New York State GBL 349, 350, and might be deemed " unfair, '' based on the three-part test used as a standard of law, for 15 U.S.C. 45 ( a ). I spoke with " XXXX '' in Key Bank 's Collections Department on XX/XX/2016. After consulting with someone ( putting me on hold ), she returned to the phone to tell me that the reason Key Bank did not accept HAMP was 1 ) the loan, a first-lien home equity loan, was not " government-backed '' and 2 ) the loan is a HELOC. After some questioning and explanation from me ( The loan is not, for example, an FHA or SBA loan, which is " government-backed '' or guaranteed, but I asked her to clarify if she meant that HAMP did not apply because the loan was not government or XXXX or XXXX-owned or that the loan was non-conforming. Once I explained the distinction, she was more precise and said that the loan was not government-owned. I then spoke to the Help Team at the U.S. Treasury 's Make Home Affordable program that sponsors HAMP for clarification. After putting me on hold ( probably talking to the supervisor, XXXX ), they clarified that banks that accepted TARP funds are not required to participate in the Make Home Affordable program ( and Key Bank does not participate ) and that a first-lien home equity loan, with principal repayments, as this originally HELOC loan is now and was at the time of default does qualify for HAMP. 

What this means is that, although Key Bank is not required to offer HAMP, XXXX erroneous reason that because the loan was originally a HELOC, it did not qualify for HAMP, is wrong. Two and a half months have been lost to me in which we could have had a participating HAMP lender refinance the loan or Key Bank could have sold the loan to XXXX or XXXX, who have comparable programs. Since Key Bank has sent an acceleration letter, their intent is to foreclose, and because of its misrepresentation, the borrower may not have time to take advantage of HAMP, which expires on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes from multiple fraudulent credit inquiries. I contacted TransUnion after to dispute the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Transunion once again removed from my credit report and history. 
I supplied Transunion with my original police report that was also stamped by XXXX PD personnel, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX # XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are inquiries on my credit that I need removed from my credit reports. I was led to believe that these inquiries would soft pull credit checks.

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 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing the late reporting on my credit file since XX/XX/XXXX. I informed Transunion that the late reportings from XX/XX/XXXX - XX/XX/XXXX was inaccurate and they stated that they verified information with XXXX XXXX XXXX. I contacted XXXX via dispute letter and asked them for proof of late payments and they have not sent me anything to date. They just sent a letter that states credit report is accurate. I am asking for your assistance in rectifying this matter. Because these inaccurate late reportings is hurting my chance of a new home purchase with the interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found the account active, about a week after it was opened, because I frequently check my credit report. I filed a case with XXXX, which was investigated for about a month ; and was denied any satisfaction. They claimed that the account was opened legitimately. At this time, I filed with the Consumer Finance Protection Bureau and placed the Fraud Alert on my account. 

I then filed a report with Transunion, because on XXXX, I was only allowed one 'dispute ' at a time. This was investigated for about a month ; and again, was found to be a " legitimate account ''. 

The account was eventually removed from my XXXX credit report ; but remains on my report from Transunion. Meanwhile, the charges on said account have gone from less than a hundred dollars - since my first dispute was filed with XXXX - to almost three hundred. 

As of today, I have also filed a claim at IdentityTheft.gov

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 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This item is reporting on my Trans Union credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX I believe this item is a collection account for XXXX . I had a account with them back in the day to boost my credit history at the time. This account was paid in full and closet. The original account has been removed off my TransUnion report and now this collection item is reporting on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX MUNICIPAL COURT ( XXXX ) Says i owe {$160.00} XXXX different times on my transunion report and i have not been in XXXX or had any XXXX or XXXX tickets but my id and ss card was stolen along with my car in XXXX of 2014 and i would like them to be removed from my credit report because i dont even know what they are for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
My name is XXXX XXXX XXXX. My ssn. is XXXX I have used the last names of XXXX, XXXX and XXXX.. I have lived in XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX. I I have notified both TransUnion and XXXX in writing in XX/XX/XXXX and XX/XX/2015, that fraud was on my Credit report. I have never lived in XXXX. My identity was stolen last summer, and student loans and my social security number were compromised. Also, I have asked them to remove the information that is over eight years old. They have done neither.

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 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A credit card was obtained using my details but with the SSN changed by one number and when I contacted XXXX I asked them the personal details and they told me that the SSN and it was wrong, they have now reported this as a delinquent payment and this is not my account XXXX Credit CardXX/XX/2015Open - XXXX Days XXXX Missed Payment $ XXXXXXXX % of Credit Limit*Account DetailsLast Reported XX/XX/2015Creditor Name FST PREMIERAccount Type Credit CardAccount Status OpenOpened Date XX/XX/2015Closed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XX/XX/2015Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks -- Payment History2015 OK OK OK OK OK 30XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX30 30-59 Days LateCredit Utilization* XXXX % Creditor Contact DetailsXXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXXSee something wrong? 
Learn more about how to dispute items on your credit report. 
XXXX XXXX RecommendationsFind a personal loan to consolidate high interest balances. 
Use less of your credit limit by transferring balances to a new card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed several times with TransUnion, provided them with my personal information and still nothing has been addressed. There are inquires listed which were not authorized and business inquires which should not be listed on my personal credit file. There are also XXXX which I do not use XXXX as this is not my name is it XXXX. Please help me resolve

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 2016-08-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have account on my credit profile from XXXX and XXXX on these accounts that on my credit the reporting agency is n't reporting accuracy on my profile.why is n't the credit bureau made to obey the laws their not above the laws they supposed to be governed by the laws If the fair credit reporting act 609 states that account should be 100 % accuracy why is these bureau allow to keep things on a person file that causing hardship in my life I been turn for employment due to the negative impact on my credit I feel I 'm being discriminated against due to in accurate information that being reported

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 2016-10-25 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 wrote Trans Union a letter on XXXX XXXX. In my letter, I identified several errors on my credit report that I would like them to investigate. Today is XXXX XXXX, I have received nothing back from Trans Union ; no response. They were supposed to respond within 30 days.

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