vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Me and my wife filed bankruptcy. It was dismissed on XX/XX/XXXX. We recently have inquired about buying a house. We were told that XXXX and Transunion were reporting a bankruptcy with no discharge or dismiss date. So I disputed with XXXX and Transunion. XXXX updated are credit report within 5 days. With the dismissed/closed XX/XX/XXXX. Transunion came back several days latter with " contractually liable debt '' So I disputed it again, after calling customer service. This time faxing my dispute with the supporting doc. again. Transunion came back again with the same outcome. So the third time I contacted Trans. I asked to speak with a supervisor and was told that they would need to open another investigation. I have sent the doc. from the US Bankruptcy court twice to them, and the supervisor acknowledged that they had it but could not update the credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XXXX XXXX i called to inform them that things that were removed had been placed back on my credit report they said they would fix it and it is still not fixed this is for my transunion 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 explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I challenged this account because the date opened can not be correct. 
The response I received is : '' XXXX ErrorDispute ResultsIt looks like your dispute request has encountered XXXX or more errors. You can find the error codes below, along with a brief description. " There was no description or code as stated and so I called Transunion XXXX and an XXXX speaking lady told me that she would have to reissue the dispute and they would contact me back in 30 days. She said the error code was because of erroneous information I provided. I questioned what she meant by this. What was erroneous? She became infuriated. 
She stated again that I provided erroneous information. Her infuriation heightened I ended the call. 
XXXX has removed the deragatory information ( see copy ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On or just before XXXX/XXXX/2015 after reviewing my credit report on XXXX I disputed a judgement that was filed in error by the Georgia XXXX XXXX XXXX at the XXXX County Superior Court with Transunion. I reported to them that the information never went to judgement and was filed in error. However, after receiving my dispute letter they stated the item I dispute is frivolous and they will not reinvestigated unless I had court papers or a authentic letter that explains what information should be updated. On XXXX/XXXX/2015, I called and spoke to a representative who stated they would take this information off of my credit report unless I provided documentation of this being placed on my report in error. I then explained to her that the Ga XXXX specifically states on their website that they do not report to credit agencies and they will not provide information to them. Therefore based on these facts I ca n't get them to remove this incorrect information from my credit report. I also explained to the person I spoke with at Transunion and told her that I have a copy of my email correspondence with the auditor at the Ga XXXX which specifically states that the lein was filed in error and I was told that they would not investigate unless I get the information from the state Of Georgia which they will not get involved in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX credit card accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: NY

Complaint narrative:
I owed a company XXXX dollars which the balance is now down to XXXX. I missed some payments and did not answer calls. When I did answer I explained I can only pay a certain amount a month. I was threatened by legal action called pathetic by the operator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 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 hard credit inquiry appeared on my credit report from XXXX XXXX which was not mine. I have never banked with XXXX XXXX, and I have never applied for anything from XXXX XXXX. After further investigation, the credit inquiry appeared under a different name than mine. I then saw on my credit report that the other person 's name ( we share the same first name, but not last ) along with his addresses and phone numbers appeared on my Transunion credit report. I called Transunion, and they were able to remove his name, phone numbers, and addresses off of my credit report. They told me, however, they would be unable to remove the inquiry without a letter of denial from XXXX XXXX. When I called XXXX XXXX, they told me they were unable to provide me with a letter of denial since my name and SSN did not appear in their records ( which makes sense, since I have never applied for anything from them ever before ). After calling Transunion back and talking to a supervisor, they assured me there was nothing they could do about it, and I would just " need to wait the two years '', even though on their own credit report it acknowledges that the inquiry is not in my name and is not mine.

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 2016-10-14 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 a 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 inquires 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 explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My credit score with TransUnion was XXXX and then with no reason, TransUnion tanked it by XXXX points. The other XXXX credit reporting agency are showing my credit score to be XXXX and XXXX, respectively. TransUnion refuses to give me any reason for doing this. I want to know why they are destroying my life.

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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX County, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. Transunion still reports XXXX. XXXX still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have been making payments on my mortgage and instead of applying them to my principal/interest/payment, they put it in " unapplied funds. '' Numbers ( amounts ) and payment dates are not matching up with actual amounts and actual dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BTH Management
State: TX

Complaint narrative:
Plaza Services apparently purchased this debt from a payday lender. They have never attempted to contact me to collect this debt, so I never had an opportunity to dispute it before it showed up on my credit report. I do not have any outstanding balances with any payday loan companies. I have also submitted a letter to Plaza Services requesting validation under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
Ditech took down access to statements and online account access for 10 days. This is impacting my ability to refinance as I can not get my statements. I agreed to go paperless. What they did not disclose was a way to get access to my statements during the upgrade - I called and they could n't even fax them to me. If companies are to provide online statements they should keep them accessible online and not inaccessible for more than 48 hours. I want to know what the law is and am certain Ditech is not within the law. This disclosure I attached and they posted does n't tell you that consumers ca n't access copies of their mortgage statements for over 10 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Due to severe financial difficulties, I was in a loan modification process with Green Tree for 9 months ( XX/XX/XXXX - XX/XX/XXXX ) after completing numerous " Uniform Borrower Assistance Forms '' and was continuously rejected. The reason was always that documents were missing, which was not true and I have the documents to prove it. I should have qualified for a loan modification based on my income and financial circumstances. On XXXX XXXX, XXXX, after I received another rejection from Green Tree for a loan modification, I called Green Tree for a reinstatement amount since I was worried about loosing my home. I forwarded a cashier 's check in the amount quoted by Green Tree over the phone on XXXX XXXX, XXXX ( only 19 days after receiving the written rejection for a loan modification ) and have since then paid my " Regular Monthly Payment '' in accordance with Green Tree 's monthly billing statement. Despite these facts, Green Tree filed for foreclosure proceedings on XXXX XXXX, XXXX ( please note that the date is after the reinstatement amount was paid in full ) and added all kind of legal fees to my account without any kind of written statement, letter nor invoice. The mortgage document requires all notices to be in writing, which Green Tree did not do. I have even been accepted by XXXX XXXX XXXX XXXX on a pro bono basis since these actions by Green Tree are not legal, however, they are refusing to remove the charges from my account and are now threatening foreclosure again. I have an entire folder of correspondences between Green Tree and myself over this entire period and we seem to be going in circles at this time. It is very frustrating since Green Tree is a debt collector and not a mortgage company and it seems impossible to deal with them in a professional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I contacted Ditech, my current company, about refinancing my XXXX mortgage and the service rep that I was assigned to said I qualified for a XXXX refinance. And he stated that the only documentation that I would need would be a home owner 's insurance policy XXXX page. I currently have a 3.5 % interest rate with Ditech. I only owe 20 more years, and XXXX. They are quoting me a rate of XXXX, 30 year fixed, in which I have to buy down my rate??? ( which is higher than my current rate ) and tack on {$4400.00} in fees to save a measly {$110.00} a month and pay for 10 more years than I currently owe. This makes no sense. When I look online it says XXXX rates are XXXX percent not, XXXX percent. And on the XXXX website it says I should expect around 1.5 % in fees associated with the refinance, which would only be {$1700.00}, not {$4400.00}. I have sent them several emails asking why the rate is higher than posted rates ; I have asked why they are adding in {$4400.00} in costs, and they have not responded. I do n't think they should take advantage of homeowners in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I had a foreclosure in 2011 and this loan was a second on the the original mortgage that is still reporting as if it has a balance of XXXX and should have been part of the foreclosure or at least show a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech Financial is removing a portion of my extra princible payment and calculating it as interest. Since when is their interest on an additional interest payment towards any loan? my monthly payment is paid the same time every month, there should be not interest on additional principle paid separately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
I had and account with XXXX XXXX that was transferred to Green Tree. Since the transfer in XX/XX/XXXX, Green Tree has used unfair tactics to harass me. A day after I am late for a payment they call none stop from the beginning of the morning until late at night until the payment is made. At the end of XX/XX/2015, they left a message on my ex-husbands voicemail at this home. The message stated that they were taking me to court. They provided him with details of my account and provided him with a bogus court hearing number. They also left a threat on his voicemail stating they were coming to my job or house to serve me with a lawsuit. On XX/XX/XXXX, Green Tree sent a letter apologizing for an error on a bill sent on XXXX/XXXX/15 erroneously included information that I was in default. As a result, I have been receiving calls from other lenders asking if I was in default. This error was reported on my credit report and corrections must be made to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: 4M Collections, LLC
State: CA

Complaint narrative:
XXXX XXXX tire center is trying to collect on an account that was opened with my fathers social security number due to the fact that i did not qualify for credit because I had filed for XXXX Bankruptcy XX/XX/XXXX. Due to financial struggles and health issues my father was forced to file for bankruptcy in XX/XX/XXXX or XX/XX/XXXX to my knowledge. Ive received a book-load of receipts and invoices where my name is shown. Their collection agency has called and threatened the guy was very rude, telling me the collection was going to stay in my credit and he would make sure it did, after I asked for a copy of the application with my social, which they cant seem to provide. Also asked for a credit report where they had ran my credit, they cant seem to find that either. They do n't even have my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened my account with Regions bank back in XXXX 2015. This is n't my only bank account I currently have XXXX XXXX XXXX and XXXX XXXX. Regions seems to the be the only headache and this why since I opened my account more than 6 months ago I have encountered over XXXX $ in overdraft fees. Till today I have had ENOUGH of it. On XXXX/XXXX/2015 around XXXX my account had a balance of negative XXXX XXXX dollars and change. So I went to the bank and deposited {$40.00} my balance was {$3.00} today in the morning I made a payment to XXXX XXXX XXXX of {$200.00} when I go to the bank to deposit the money I see that I have {$210.00} in NSF. From transactions that happened back on FRIDAY it 's TUESDAY. And okay I understand merchants take blah blah blah days to withdraw money from your account. But in my account it shows that these transactions ( 6 of them places like XXXX, etc. ) where posted XXXX/XXXX/2015 and that NSF was charged XXXX/XXXX/2015. REALLY? REALLY? REALLY? when I went to the bank at XXXX on XXXX XXXX, 2015 and your supposedly cut off hours are XXXX? 

My receipt printed with a {$3.00} POSITIVE BALANCE! 

These NSF are completely unfair, your online application completely and utterly sucks. 

So basically what I am trying to say is how if I went to the bank on Monday at XXXX and have a balance of {$3.00} I wake up with a NSF of XXXX in less than XXXX hours with out any warning that my account may be come over drafted, or ONE at least WARN ONCE before charging 6 over drafted fees. Regions shows you that you XXXX dollars left but not the pending transactions, like in this case I went to XXXX Friday @ XXXX and this showed up sometime Tuesday XXXX XXXX, 2015. 

I have called regions multiple of times, I have gone to the branch and until today that I got really mad no one was giving me answers like the famous " Opt-In over draft protection '' or explaining to me that the balance that I see on my phone is n't the correct balance that their might be missing transactions. And your own employee said that they only had regions for payroll, because quote on quote " You people are a mess '' The way I see it is regions does n't try to protect their customers from overdraft they do n't fully discloses ways to help you or add an over draft protection.

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