vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
My house is newly built and only 6 months old. I requested my mortgage company to take off PMI as I paid off 80 % of my loan amount in XX/XX/XXXX. They requested for an appraisal. My house was bought as new construction in XX/XX/XXXX and since then I had no major/minor repairs/issues with my house. I also added a beautiful deck this XX/XX/XXXX. Now in XX/XX/XXXX the appraiser did the appraisal and got all wrong facts about the house in their report and provided a low estimation. My community is newly constructed and there are same type of houses that are being sold at higher price than mine and total home values are appreciating as community is building swimming pool, play ground, garden, etc..but I am not understanding how my house value goes down. I called Nationstar Mortgage to get details and they are blindly going by the incorrect appraisal report without even verifying the facts about my house. This is creating lot of trouble and they are asking ME to pay dawn another XXXX to take off PMI. I think this process is incorrect and there is something doubtful about how Nationstar is handling the PMI cancellation requests. The appraiser they are using or partnered with is not keen and is doing appraisals in favor of Nationstar and not as an independent appraiser.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
I was cheated by BB & T and the XXXX could not handle the case and I am asking your help. I had a previous case ( XXXX ) opened and was asked to open another case with updated information. 
My first savings account was from XXXX XXXX XXXX Bank opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to XXXX. I wanted to close my savings account and I had plenty of Money in the checking account. The teller at a XXXX Branch told me not to close the savings account because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. BBT did not mail me nor have sent me notification regarding monthly statements. I contacted XXXX, and their complain office for BB & T is in XXXX, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. 
Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. 
Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. 
Third the term " dormant '' is unfairly one way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. 
Please help. 

Attached are BBT 's response for the previous case. They have attached the statements, but it was not sent electronically nor have there any alerts regarding monthly statements sent to me. BBT does not want to take responsibility for their errors but refuses to refund charges from my hard earned savings account. 
BBT also responds that Bank has the power to change anything without notice.

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

Complaint narrative:
The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to Transunion. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports. 
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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 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Transunion shows XXXX hard credit inquiries dated XXXX XXXX 2016. I have not applied for any credit and am concerned that someone is trying to steal my identity.

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 2016-10-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
In XXXX I financed my house. The payment we agreed on in contract is {$1000.00} and {$20.00} extra towards principle as my mortgage monthly payment for 30 years fixed. The total loan amount is $ XXXX and 4 % APR. However in the last few months my mortgage monthly payment went up to {$1200.00} including the {$20.00} towards principal. So my mortgage payments went up about {$120.00}. 
I called my lender, PACIFIC UNION FINANCIAL, they said it 's because the property taxes went up in XX/XX/XXXX, which is right after I moved in to the house. However the increase in payment and the letter I received for the increase started around XX/XX/XXXX. 
My concern is that I agreed on a payment that I 'm I can afford and comfortable with. However I ended up paying more which is affecting me in a negative way and I am afraid I will fall behind soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified Transunion many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.

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 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed multiple times with Trans Union XXXX inquires that is not my and in the last respond by them they are telling me that an Inquire is when a company checks your credit not wanting to do any investigation. 
1. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX 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 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed and requested Validation with Trans Union that I never file bankruptcy in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and also contacted The Bankruptcy Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ally is a ripoff. My account was not showing for almost a year due to a total loss. when it did come back up it was wrong. Ally has token XXXX from me and this is only 36 months. I owe XXXX on a 72 month agreement.

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 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In a recent review of my credit reports I noticed XXXX XXXX XXXX had placed several 30-60 late payments marks on my credit reports resulting in negative tradelines and significantly lowering my credit score by XXXX points. Perplexed as to how XXXX was furnishing this information to the credit bureaus as I knew it to be incorrect, I contacted XXXX with my concerns re : the late payments. After speaking with several reps re : this matter, I was informed that XXXX had been applying miscellaneous fees and charges to my account offsetting my monthly payment and only applying partial payments to my account as if I was not making my monthly payments in full every month. I was also informed there had been missing payments in the past on my account resulting in more derogatory information being supplied to the credit bureaus. Infuriated by this new information, I explained to the reps that I had never been late nor had I missed any payments, and all my payments had been paid in full based on what was due in my monthly statement. I also explained that I had a trail of receipts in the form of emails, screenshots from my smart phone, and my bank statements showing these payments were made in full on time. I then inquired as to why this had never been brought to my attention in the numerous conversations I have had with XXXX reps in the past and no rep could explain to me what the problem was. This was XXXX of the many issues I have had with XXXX reps. Every time I have spoken with a rep it has been nothing but inconsistent, incorrect information. After speaking to the last XXXX reps XXXX ( XXXX ) in XXXX, XXXX, and XXXX ( XXXX ) in XXXX, XXXX and inquiring about the discrepancies with my account, I asked if there was a higher division or department where I could speak to someone directly since no one at the basic phone reps level could assist me further, I was told no, there was no one to speak to directly regarding my dispute on my account and issues regarding this matter and it would have to be escalated to customer care via mail only. I inquired once more to see if I could get a phone number or even a fax number and again there was nothing to be provided and I just have to mail in my concerns. I was beyond angry with this information. How could a company this big not have any direct contact information for matters of this nature. Credit is extremely important in this day and age and to not have any one or any department to directly assist with credit disputes is completely unacceptable. To date XXXX has placed XXXX late payments on my credit reports which has severely damaged my credit. At this time I am requesting XXXX to thoroughly go over my account, find where the mistakes were made, correct the mistakes, and update my credit reports with correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I traded in a truck, and the dealership delayed the payoff to Ally, therefore Ally, charged late fees and negatively reported to credit bureau.

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 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On my credit report it states that I have a magistrate court judgment in XXXX XXXX that is scheduled to continue on record until XX/XX/XXXX. I settled my civil claim on the XX/XX/XXXX. I have endured hardship from this being relevant on my credit report. I have unsuccessful to receive apartments, jobs, and finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I 'm a victim of identity theft and someone took my information and try opening up lots of accounts in my name. XXXX XXXX XXXX I have XXXX account with XXXX XXXX that I apply for on XXXX/XXXX/XXXX and I still have that account, next there 's XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I never apply for any account with this company.

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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
The information has not been updated on my account. My account says that I have a balance of XXXX dollars owed to XXXX on XXXX XXXX XXXX but I have a paper that shows that my balance owed to them is XXXX. My bill has been paid but yet it has not been showed as paid on your balances on my report.

Company public response: Company 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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been spending countless hours making phone calls and writing to Transunion credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was reported for greater than 7 years ( XX/XX/XXXX ) for a NY State paid tax lien and Transition continues to report this despite the fact that the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years. I have disputed this with Transunion and the item remains on my credit. It was originally reported XX/XX/XXXX and it is now XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 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:
TransUnion did not address my situation. None of the accounts have been verified nor validated. I have reached out to all of the creditors for them to send me a copy of the credit application with my signature on it stating that I applied for these cards and they could not produce the paperwork. In XX/XX/2011 i was a victim of identity theft due to loosing my personal information some time ago. I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( XXXX cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,

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 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit file that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted and sent Fraud Affidavits to Transunion with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Transunion have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX, XXXX, GA and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.

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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation