vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
I am not sure how I got into a FHA loan, but I did. My current balance is approx. XXXX my house is valued well over a XXXX. I have a rate of 3.25 % and a PMI at {$570.00} a month. I have contacted my bank twice, the last time was XXXX XXXX, XXXX. I asked them when the PMI was to drop off and I told them I loved the 3.25 %, but was tempted to refinance. My XXXX score is above XXXX and I almost always pay extra to the principal. I got a generic response to my PMI removal inquiry on the same day as requested XXXX XXXX, XXXX. Later on XXXX XXXX, XXXX I received a date of XXXX/XXXX/XXXX as to when the PMI would fall off. It has not. Every time I call or attempt to contact the persons who handle the PMI program at the bank I am told to make contact via e-mail. I do this and keep getting the run around. I am at wits end. I will attach the e-mails that I have received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I submitted a debt validation to this company under the Texas Finance code Section XXXX which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent lease form and a claim form. It did n't include original date of non-payment with creditor, date debt was transferred from original creditor, and the Texas Surety bond information. Per Texas law, this is to be removed from my credit report immediately. 

Also this company threatened to garnish my wages and report me to an attorney which is not allowed in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There was something strange on my credit report so I called to find out what it was. There was a XXXX XXXX account showing up. I thought it was closed. I called back later. They deleted it. It is suppose to be on there for ten years. No one speaks English. My report is different than what they are reporting to XXXX XXXX and XXXX XXXX XXXX. I do n't know understand why inquiries effect the score. I have XXXX showing up the twice the same day. TransUnion had no answer.

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 2016-05-10 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: MI

Complaint narrative:
Trying to get free annual credit report, ca n't get past TransUnion 's annoying pages/ads for paid credit score, no link to go by it --

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 2016-07-07 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:
inquiries on my credit were removed and then re-added. 
I was not notified per the FCRA Section 611 law. 
these should 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 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a XXXX XXXX that has a DLA of 7 years still listed on my credit file. I feel this company has re aged this. If a proper investigation was completed this would have been removed. 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 2016-10-26 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:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, XXXX & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.

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 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is being reported incorrectly- It should be 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 non-monetary relief
Consumer complaint received 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a lien that shows up on XXXX, Transunion that has been paid for. 

All old deby from XXXX is paid as well but shows on transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Transunion credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX i disputed XXXX collection account and XXXX inquiries on my Transunion credit report on XXXX/XXXX/2016 i received a letter from Transunion dated XXXX/XXXX/2016 stating the investigation was complete and the collection account was verified but nothing was said about the inquires. I sent a follow up dispute on XXXX/XXXX/2016 stating I did not believe they investigated my dispute and my dispute must be investigated properly and completed within the original time frame. On XXXX/XXXX/2016 I received a letter from the collection agency dated XXXX/XXXX/2016 stating that they could not verify my account right now and they need more time to do so. Transunion violated my rights and falsely verified a collection account and completely ignored the inquiries i disputed with 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 2015-09-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I had a loan through XXXX student loan, and they transferred my loan to another company XXXX. I have never been late on this loan. I disputed this a year ago with Transunion and they never removed it from my credit report. It has been removed from they other XXXX credit reporting agencies. I would like this removed due to the fair credit act. Thank you for your help on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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:
TRANSUNION SHOWS COLLECTION ACCOUNT THAT BELONGS TO XXXX XXXX. I CALL THE BANK TO GET PROOF THAT ACCOUNT BELONGS TO ME AND THEY BOUNCE ME OFF TO SOME ONE MAN OPERATION WHERE YOU CAN ONLY LEAVE A MESSAGE. FINALLY MESSAGE GOT RETURNED, THEY SAID THEY SOLD IT TO ANOTHER COMPANY. I CALLED THAT COMPANY, AND THEY ARE BROKERS WHO SAID THAT WILL HAVE SOMEONE CALL ME BACK WHEN THEY WILL FIGURE OUT WHO THE NEW ACCOUNT OWNER WILL BE. IT ALL LOOKS LIKE A SCAM!! I ASKED XXXX TO GIVE ME PROOF OF ACCOUNT OWNERSHIP ( I SPOKE WITH XXXX ON XX/XX/2016 AROUND XXXX EST, CALLED AT XXXX XXXX XXXX, AND ASKED RECOVERY DEPT ) AND THEY REFUSED TO ASSIST. I SAID WILL COMPLAIN TO CFPB AND THEY DID NOT SEEM TO CARE 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 non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either one of them I paid {$150.00} for each bkpt the house XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM DISBARED. XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Arbor Residential Mortgage LLC
State: VA

Complaint narrative:
Seneca Mortgage Servicing was servicing my loan through XXXX 2016. My designated insurance company, XXXX, sent an invoice to Seneca in early XXXX to renew my policy by the end of XXXX 2016. Seneca refused to pay XXXX and the policy was subsequently cancelled for non-payment. Seneca force placed an insurance policy without sending me the policy or any information about the company. Per Seneca 's web site, they have their own insurance company and might have force placed my insurance for their financial benefit. Per the XXXX for 2016, they paid twice what I was paying to XXXX - {$1100.00} which must include a walls-out policy which I am not required to have for a condo. I have been calling Seneca on and off for months without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Roundpoint Mortgage has not handled the modification process in a timely manner. They take a very long time to review the information provided. Then they will request the information again as the previous documentation becomes outdated. Single point of contact will not return calls or get in touch with client in a timely manner. It took the XXXX XXXX about three months to be able to speak with him and multiple phone calls. Roundpoint keeps delaying the process and has not been actively trying to help out the borrower.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I am extremely and utterly furious in the way TCF Bank has been handling my case! I was trying to work out a plan in order to help me get back on track with my missed payments and they stated they would n't review my file unless it was 37 days prior to the sale date. My sale date was for XXXX XXXX, 2016, and I filed for Bankruptcy Chapter XXXX on XXXX XXXX, 2016 at XXXX XXXX. I submitted the documents to TCF Bank Bankruptcy department and confirmed the sale date was postponed. I then get contacted by a real estate agent that has an offer from a buyer willing to pay cash and he explained the short-sale process and the benefits of it. I was then told on XXXX XXXX, 2016 that I had a new sale date for XXXX XXXX, 2016! At that point I have no other options, but to let my house sell. XXXX XXXX from TCF Bank stated there 's no loss mitigation process that can get started because its less than 37 days that is required. THAT IS SO INFURIATING, because I just found out about this offer and now I cant even get that review because they put up another sale date right after I had filed for Bankruptcy! This is a perfect example of how unjust and lack of faith there is in our banking system. This is the vicious style TCF Bank enjoys to perform in order to keep my home and still make more money at the end. It 's banks like these the reason this country is considered greedy and malice! I had tremendous faith in our banking system and in TCF Bank. I thought these government programs were created to help distressed homeowners, but TCF Bank is only interest in how much more money they can get out of my property!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau Collection Services, Inc.
State: OH

Complaint narrative:
CBCS verbally has told the XXXX XXXX XXXX XXXX that I owe XXXX and CBCS tells the XXXX XXXX to tell me to call and make payment arrangements but they have not sent me a letter or any written communication that I can dispute. I have no idea what this amount is about. I asked the XXXX center and they said CBCS knows the dates of services and amount and what the charges are for supposedly but the XXXX XXXX will not help me at all. I tell XXXX XXXX I have received nothing from CBCS but CBCS tells XXXX XXXX that CBCS want me to call them and make payment arrangement or I can not see my doctor. I am not agreeing with this at all. I 've been going to this place for treatment for a long time. I had a balance of XXXX and all of the sudden I have a balance of XXXX. I have had no opportunities to see what this is about, why I am being accused of this amount other than I told XXXX in the billing department she was very rude to me and ever since I have been targeted of being bullied by this billing department. Why would I call CBCS when I have never received a letter from them but the XXXX XXXX said CBCS has this amount and that is where XXXX XXXX got this number. It 's ridiculous to me how I have never heard or seen this amount ever before. The XXXX XXXX has sent me to collection for an amount that was paid by insurance, then they said I owed it and so I payed it and then they also sent me to collections for the amount that had already been paid twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: MI

Complaint narrative:
I responded to an Internet banner ad for a {$300.00} bonus for opening a new Key Bank Checking Account. So, I did so online and deposited {$50.00}. But I did not receive a welcome packet and they closed my account ( Account XXXX ) after 10 days. When I called up, XXXX different departments said I had a ten year-old XXXX hit in the system. But that 's way past the limit for XXXX to be keeping it on a file ( not that it 's even mine ). I believe that Key Bank did not check with XXXX, but used their own histories that has data in it older than 10 years. I do not know where they got this flag from as I have never had an account with this banking company. And they said they would hold the deposit for 90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
MY MORTAGE HAD BEEN WITH XXXX XXXX XXXX. THEY WERE TAKEN OVER OR SHUT DOWN BY NCUA. THEY SENT MY MTGE TO CREDIT/COLLECTION MORTGAGE AGENCY CALLED ROUND POINT MORTGAGE. AS I WAS GOING THRU A HARDSHIP & AS MY INCOME HAD REDUCED BY SOME, THEY ASSISTED ME FOR A SHORT TIME. AS THEY ASSISTED, MY LOAN WAS NEVER BROUGHT CURRENT AS THEY STATED THEY WOULD DO. LAST YEAR & EARLIER THIS YEAR I APPLIED NUMBEROUS TIMES TO REQUEST FOR ASSISTANCE WITH THEM, HOWEVER THEY DELAYED & DENIED MY MODIFICATION/ASSISTANCE REQUEST AND WOUDL NOT ALLOW ME TO PAY ONTO MY ACCOUNT UNLESS I BROUGHT IT COMPLETELY UP TO DATE, SO TTHEREFORE MY MTGE CONTINUED TO GET FURTHER BEHIND. I CONTINUE TO GET RUN AROUND/ALWAYS DIFFERENT REPS HANDLING MY ACCOUNT. AND WHEN I ASK FOR A PAYOFF IN WRITING SEVERAL TIMES THIS YEAR THEY NEVER PROVIDED ( I ASKED FOR THEM TO PROVIDE IN EMAIL OR LETTER ) TO THIS DAY THEY STILL WOULD NOT PROVIDE. AS OF EARLIER THIS YEAR THEY ALSO INCREASED MY MTGE PAYMENT, FOR WHICH I FEEL IS NOT LEGAL TO DUE, WITHOUT MY ACKNOWLEDGEMENT. MY RATE WAS 2 % AT APROX {$640.00} PMT, AND HAS INCREASED TO {$1000.00} A MONTH, SO WOULD MAKE ME WAY OVER OBLIGATED AND/OR INTENTIONAL UNLAWFUL PRACTICE WITH THIS COLLECTION AGENCY!!

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 2016-07-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I submitted an online loan application on XXXX/XXXX/XXXX. After loading my bank account information for the loan proceeds and monthly payments, I could no longer access my account and finalize the loan terms. Repeated calls and email exchanges with their client services and VOC Manager XXXX XXXX resulted in no resolution. XXXX XXXX and the client services team constantly contradicted each other as to the cause of the issue. I was informed by client services that I had created XXXX accounts, # XXXX and # XXXX. The latter account is not mine, and I repeatedly told both XXXX XXXX and the client services team it was not. The latter account was even created with an email address that is clearly not mine. The email address contains the domain of a company I did n't even know existed, and currently operates out of the state of Tennessee. The most disturbing detail stated on the response by their client services on XXXX/XXXX/XXXX is my social security number is listed on the account that is not mine ( the email from client services is being accompanied with this complaint ). I informed client services and XXXX XXXX to delete all of my personal information as I would not conduct any business with them since they can not guarantee the would not conduct any business with them since they can not guarantee the confidentiality and safekeeping of my personal information. Surprisingly, I received an email from Prosper on XXXX/XXXX/XXXX stating their Privacy Policy XXXX. Clearly, my personal information has not been removed from their files. I am concerned about the possible access and or distribution of my personal information, as they did not perform their duty to keep it confidential from what I can see at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: OH

Complaint narrative:
Seneca Mortgage has messed up our home loan since XXXX XXXX the very first month and has taken almost two years to resolve a payment dispute of XXXX payments from XXXX and XXXX XXXX when the payment XXXX up from the first month took 9 months yo review and kept getting excuses snd put off even tho called for status constantly. Was told these were in a " suspense '' account. They still have not admitted this error and despite being sent numerous bank statements and electronic transaction information from XXXX Bank as well as us, they still claim we owe this and theres always another excuse or accusing us of not sending the correct info or that they need thisbor that permisdion. Anything to not fix this or take responsibility! Especially after receiving information from the bank. They also sent emails they claimed not to send and have tried to recall emails their staff realized was sent to us instead of internally talking about us and info that was being requested!! Totally unprofessional and complete liars! Now they are claiming payments were not made from XXXX to XXXX XXXX despite thevpayments being sent priority mail. They insinuated checks were returned that were cashed also! They have misasplied and have this account so messed up and then always get different answers, they lie, and are unprofessional. It should not be this hard or long to get this resolved and documentation regarding status of this account! This is unacceptable!!!!

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