vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Forster & Garbus LLP representing XXXX XXXX XXXX XXXX violated NYS Banking Usury Laws by charging 25 % interest rate on an alleged debt. The authenticity of the contract along with other documentation provided to us is in question, especially when none of them shows the actual Bill of Sale or Assignment of the original lender on the contract " XXXX '' to XXXX XXXX XXXX ( XXXX ), XXXX with the account number XXXX. There is documentation showing the said account highest balance of {$7400.00} and on our credit report there is a judgment of almost {$17000.00}. We have requested an itemized description of all debits, credits, charges, including interest rates and attorney fees but we have not gotten any documentation showing how they arrived at the final sum or any paperwork with itemized deductions or credits, etc. from " XXXX. " More importantly, they have violated the FDCPA laws by1 ) Not ceasing all collecting activities upon request for verification of debt. 
2 ) Has failed to provide an explanation of debt3 ) XXXX XXXX, a customer service representative from Forster & Garbus LLP was extremely rude on the phone when asked to explain why collection activities were still going on and we have sent a validation letter4 ) The service provided or lack thereof, resulted in additional damages to our credit, personal income and health5 ) They never initially informed us that we had a right to dispute the debt6 ) unethical collection practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RESIDENTIAL HOME FUNDING CORP.
State: NJ

Complaint narrative:
A letter dated XXXX, XXXX XXXX, indicated that our buyer 's loan was denied because our property was deemed unserviceable through a loan backed by XXXX XXXX. The lender stated that based on documents received from the NJ XXXX Zoning Commission, the property could not be rebuilt to its current footprint if substantially destroyed. We suspected an error was made, as our loan on the property is currently serviced by Fannie Mae. 
We therefore consulted with the NJ XXXX Zoning Commission and obtained additional documentation indicating that the under-writer was incorrect ; a use variance granted when the property was originally zoned in 1985 made the issue around rebuilding not applicable to our residence. We received this information in writing from the NJ XXXX Zoning Commission on XXXX XXXX, which the buyer used as a basis for challenging the decline of the loan. 
A week later, we learned that the under-writer was seeking additional information from the Building Department of the XXXX of XXXX to indicate that the property could be rebuilt to its current density if substantially destroyed. Upon our request, the Mayor of XXXX, as well as XXXX XXXX ( Head of the Department ), consulted with the NJ XXXX Zoning Commission, and the Commission wrote an additional letter explicitly stating that the property is under its jurisdiction and that the property can be rebuilt to its current density if completely destroyed. This letter was forwarded to the under-writer on Friday, XXXX XXXX. 
On Monday, XXXX XXXX, we obtained an email from the under-writer, stating that the condo is still " not warrantable ... per the investor guidelines '' and that decision to decline remains. Our complaint is that we provided the exact documentation that the lender sought -- an explicit statement from the zoning authority that the condo could be rebuilt to its current density if substantially destroyed. The underwriter refuses to overturn the decision -- even with this additional documentation and without any explanation as to why the additional information is not satisfactory for the investor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Information Services has been reporting negative inaccurate information in my credit file. I 've been disputing with this company for over 2 years to get this information removed and they refuse. 
The XXXX accounts have me listed as an authorized user which I never authorized anyone to add me to their account. I have been a victim of identity theft which I have sent them copies of XXXX police reports and nothing has been done. They stated that the company ( XXXX XXXX XXXX XXXX ) verified that it belongs to me which in the report clearly states AUTHORIZED USER so how am I being held responsible/liable for someone else 's debt. Under the Fair Credit Reporting Act, if the debt ca n't be verified within 30 days, then it must be removed. The letters they have sent to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. Now I will be suing Equifax as well as XXXX XXXX XXXX XXXX for causing me damages such as denial of credit and increased insurance premiums. I have provided more than sufficient evidence to get these false accounts removed. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and XXXX XXXX XXXX XXXX for violation of the Fair Credit Reporting Act and Defamation. 
This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX CU Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Valentine and Kebartas, Inc.
State: MD

Complaint narrative:
Intercepting my taxes without validate the debt. I sent them a written request to prove I owe this money. They did not sent any documents that the money was issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: MA

Complaint narrative:
In XXXX XXXX my ex husband and I purchased a home. The mortgage was with XXXX XXXX XXXX and he was the only one on the Note. I was not used to secure the loan or added as a co-borrower. XX/XX/XXXX we modified the mortgage and again I was not used to secure the debt and they did not consider me financially responsible for the debt. In XX/XX/XXXX I believe the mortgage was sold to XXXX. We got divorced and the house was to be sold. I listed the house, XXXX was reporting it to my credit. During the process of selling the home it was discovered that I was not on the original Note and XXXX had been reporting it to my credit in error. They removed it from my credit report. XX/XX/XXXX the Mortgage was sold to Seneca Home Mortgage. I work for an attorney and we were helping my ex with the sale of the home. XX/XX/XXXX XXXX started to report the mortgage to my credit claiming that because we did the loan modification in XX/XX/XXXX it added me to the note when infact the modification did not change the terms of the original not and the note that was recorded with XXXX was the same note that they had when the home was first purchased which only had my ex husbands name on it. I have spoken to people at XXXX and XXXX and they have said I am not responsible. I did not sign or fill out the modification paperwork. I have written to Seneca and provided them with all the information I have from XXXX and XXXX and they are refusing to remove this debt from my credit. In the second letter I sent to them the basically responded saying that they will no longer entertain looking into the issue and as far as they are concerned I am responsible. I need help. I know I am not financially responsible for this loan and I want them to remove it from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK
State: NC

Complaint narrative:
Constant contact from Gateway One Lending to cellphone, employer, family, and friends. In one month contacted job over 50 times and left 32 voicemail on cellphone. Gateway has been advised previously on 2 occasions not to contact me anymore regarding debt, especially not at place of employment. On XXXX/XXXX/15, XXXX with Gateway told the receptionist at my job that he need the office manager to provide him my employment information so that he can Garnish my wages. He has repeatedly contacted my employer pretending to be someone other than a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have just received information from CFPB about a dispute I filed with the collection agency XXXX XXXX XXXX '. The response to my dispute is that the collection agency removed the erronious collections report BUT only from XXXX Credit Bureau, XXXX. The XXXX other Credit Bureau 's have not been contacted by this collection agency to remove these errors, XXXX and TransUnion - even after I acquainted this information on MY credit report to them XXXX times, which they agreed they reported in error. 
This has been an ongoing issue since XXXX/XXXX/2015 with many hours of work that I have done ( more than XXXX hours daily since XXXX/XXXX/2015 ) to correct this abusive and now malicious, incompetent reporting that has caused me a great deal of distress! ( XXXX credit Bureau informed me that my credit score dropped more than XXXX points because of this collection report! ). The collection agency XXXX XXXX XXXX ' have always agreed, each time that I have called and spoken with the secretary thru the manager, that it was a mistake and that they would correct it or have it removed from MY credit reports. This has NOT been done except the correction with XXXX and that was changed only because of myself filing my dispute. 
I have gone thru, in detail, the information with the FCRA and have found several discrepancies in the steps that are legally required for the collection agency XXXX XXXX XXXX ' should have adhered to with MY situation. They have illegally ignored or are very inept with any knowledge of the steps for credit reporting, removing the incorrect information, and many more innumerable legal required practices. I have discerned any and all steps I can legally attain because of their incompetent actions. I have the data that I acquired if needed. 
This is a very disconcerting situation with this collection agency XXXX XXXX XXXX ' and I am asking what steps, if possible, that you are capable of taking with their illegal practices of the FRCA?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
Roundpoint claims I have thousands of unpaid escrow and now they are foreclosing my home. They have been terrible to work with and have not been in contact with the township at all!

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 2016-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2016, I spoke to XXXX in the Late Stage Collections Dept. at Key Bank. I brought up the five following topics for discussion. He told me that his supervisor, XXXX, had the authority to address these topics and that she would call me " tomorrow, '' XX/XX/2016. The five subjects were : 1 ) Participation in the NYS Attorney General 's mediation program before the filing of a foreclosure action ; 2 ) my request for a stay of any legal action and forbearance of any legal process for some time for a stay of any legal action and forbearance of any legal process for some time, because 2 3/4 months had been " lost '' because of XXXX, Division Manager of Consumer Collections XXXX misrepresentation regarding the applicability of HAMP, and I had just received a loan modification application from XXXX on XX/XX/2016, and I needed to complete two tax returns as part of this application and would be without a car until at least XX/XX/2016 and would need some time to complete these tax returns and the application ; 3 ) sale of the loan to XXXX or XXXX to take advantage of loan modification and extension programs similar to HAMP and UP, since these programs expire on XX/XX/2016 ; 4 ) stay of the notice of acceleration letter ; 5 ) how we should handle adjustments to the loan account for counterclaims against Key Bank. 
I did not receive a phone call from XXXX on XX/XX/2016, as I had been promised by XXXX. I called on XX/XX/2016 and requested to speak to XXXX. I was told XXXX was unavailable to speak. I left a phone message for her to call me and, if I was not by the phone, to leave a message with the best time - or even better - a specific time I can reach her and I will call her at the time she specifies. I did not receive a phone call on XX/XX/2016 and have yet to receive a phone call from XXXX. The Wall Street Reform and Consumer Protection Act requires responsive communication from Key Bank. I will be sending a copy of this complaint to Key Bank Chairwoman and CEO XXXX and XXXX, Division Manager of Consumer Collections XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: TX

Complaint narrative:
Seneca Mortgage Servicing is infringing on my rights as a senior citizen ( over XXXX ) to pay my real estate taxes in accordance with Texas law section XXXX which allows taxes to be paid in XXXX equal amounts due XXXX, XXXX, XXXX and XXXX without penalty or interest. I 've been doing this for the last 14 years with no problem. On XXXX, I received a letter from Seneca regarding non payment of delinquent taxes even though I was on schedule and my taxes were being paid. They gave me 30 days to contact the office for resolution. I contacted their office on XXXX and they informed me that Seneca had already paid the taxes on XXXX and an escrow account had been set up. I 've made XXXX phone calls to the Seneca tax office and customer service with no resolution. 
This is an obviously ploy to unethically/illegally set up an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I will no longer expect anymore of your reviews of disputes from the accounts that I have asked you to send me the original signed documents on. You have violated every single request so if you do not mind please remove XXXX XXXX CLOSED XXXX XXXX CLOSED XXXX ACCOUNT AND ALL CREDIT INQUIRES

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 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either XXXX or TransUnion.

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 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted several disputes and letters to Transunion regarding inaccurate information they are reporting on my credit file for XXXX and XXXX XXXX XXXX Credit Card. I have sent them proof from my bank showing timely payment being made on both accounts going back to 2015 yet they have n't responded to any of my letters. The inaccurate information has caused my credit score to drop and I want it removed ASAP!

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 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted Transunion in regards to a Public record on file, ( Tax Lien XXXX County City Registry ), First letter i send in requesting to verified this file, I send my Copy of my social and License along with all my letters. They respond was that they need more information. I sent in a second letter, they respond was that this dispute looks suspicious, i responded to letter and preceded to send in a third letter and they respond was that the information im disputed information is not on file. I call to see if that would help instead of sending letters. They explain to my that the last letter saying that disputed information is not on file was a mistake. but the intended letter, show be that file was verified. I ask for the letter the representative stated that letter is populated ( not sure what it mean ) and cant be reprinted. I have all the proof i send then letter to verified this 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 explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Pacific Union Financial, LLC
State: IN

Complaint narrative:
I am in concern to a mortgage we were approved for but has yet to close. We applied for a Mortgage back in XXXX 2015. We were approved sent in all our financial information, had our appraisal, foundation inspection, final approval and had to have a rent survey of our area. We prepaid for all of our inspections as they requested. Our seller did all his part and our closing dates have been changed as they requested the same information over and over again. Now they have let the appraisal expired and are asking it be redone again and start over. How are they allowed to do it? They have delayed several times and sent SAME docs OVER AND OVER AGAIN WITH THE SAME INFORMATION JUST CHANGED THE DATES.to be signed with same information several times. We have had dates to closed promised, and always delayed with XXXX excuse or another. ALSO THEY TOLD US IN A EMAIL NOTHING WOULD EXPIRED IT WOULD JUST BE UPDATED IN NEW DOCUMENTS .. THIS IS XXXX ALREADY AND STILL NO CLOSING. Why are they allowed to do this to a home buyer who is committed and has done everything they have asked. Buying a home is a huge investment in your future. It has taken a toll on our health with the stress, and on the lenders side no consideration for the home buyer who has done all they have asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion received my certified request on XXXX XXXX, 2016. My formal written correspondence requested that Transunion provide physical verification of the original signed customer contract for the item XXXX Child Support Enforce as required by federal law according to the FCRA section 609 ( A ) ( 1 ) ( A ), Transunion is required to provide documentation of all accounts posted to my credit report upon request or the items need to be removed from my credit report immediately. On XXXX/XXXX/2016 Transunion provided an updated copy of my credit report saying the information has been updated, however the information has not changed. This item is not reporting accurately and needs to be removed immediately as this is causing credit to be denied. 
The tracking number is XXXX, if this matter is not resolved immediately I will have no other choice than to bring Transunion and XXXX XXXX to small claims court seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
Thank you, XXXX XXXX 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 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was being billed for yard waste/ refuse services at a residence I no longer owned /resided at and had requested service be discontinued. XXXX, the yard waste refuse company, continued to bill me and ultimately sent the bill to collections where it was identified as delinquent and impacted my credit score. I have attached all relevant documents to show this repeated error was entirely the fault 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 non-monetary relief
Consumer complaint received 2016-01-25 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:
There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation