vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This company XXXX wanted to check my credit report and I did not give them permission to do that XXXX XXXX sent me an alarm email to let me know this was on my report with XXXX credit bureau and not XXXX. This is the name that made that inquire XXXX XXXX XXXX there phone number is XXXX XXXX XXXX XXXX XXXX, FL, XXXX. I did not give them permission to check my 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
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In XXXX XXXX I was aggressively contacted by Penny Mac Loan services, the originators of my mortgage, to refinance my mortgage with them to a lower interest rate. I dealt with XXXX XXXX, XXXX # XXXX California. He told me interest rates were at a historic low and I could refinance from a 4.1 % interest to a 3.5 % interest rate thus lowering my monthly mortgage payment. He also told me there would be no closing costs. 

I competed the refinance of my property because XXXX sold me on the lower interest rate. 

In XXXX of XXXX, I received a letter in the mail from PennyMac stating that my escrow account was overdrawn and I owed {$7300.00} to PennyMac to cover the cost of taxes. Penny Mac originally stated that the estimated taxes on my refinance were close to {$2000.00} and but now they are over {$5000.00}. When I reviewed my refinance, Penny Mac grossly underestimated my taxes in order to make it appear that I would have a lower payment. However, the estimate they used was not for a full tax year and they did not disclose to me how they came up with this number. I now owe them the escrow shortage and my payment is increasing {$300.00} per month. This is more than I was  originally paying before the refinance with the higher interest rate. 

I called PennyMac on XXXX/XXXX/XXXX to ask questions and explain that XXXX XXXX had mislead me. He knew the taxes were not accurate but he still used a underinflated number to make my payment appear low so he could receive his commission. 

In addition, I was told there would be no closing costs, something I asked about several times. Upon examination of the refinance, it looks like the closing costs were rolled into the loan amount which I am now paying interest on. 

This is clearly predatory loan practices considering that they did not disclose accurate information. As a consumer, I agreed to the {$2000.00} in property taxes and I trusted that XXXX was doing his due diligence to make sure my payments were accurate and correct. He was misleading on many levels and I should not be responsible for the {$7300.00} which is what the difference in taxes are from last year to this year. As a consumer, I was lead to believe that my taxes were a fair estimate and that there would be no closing costs to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
I have spent a year and a half, and XXXX complaints with CFPB, to try to get XXXX to restore online access to my account in full after they blocked me XXXX years ago when incorrectly listing my loan as in bankruptcy. They have paid minimal lip-service to my issues, lied to me repeatedly, and their constant delays in activity have cost me money. 

They promised continual contact with me until resolved. No one at XXXX has called me or made any attempt to follow up in 6 months. I am unable to look at any of my data online and must get statements mailed to me. I am unable to schedule XXXX XXXX payments a month. They ruined my credit rating ( that I was trying to restore ) with their inexplicable incorrect reporting of my home being in my bankruptcy. This reporting caused higher interest rates, inability to get credit, to be a co-signer on a family vehicle requiring my elderly mother to co-sign. They continued to add late charges to my account ( not credited until XXXX XXXX ) causing my account to be unavailable to be amortised promptly. That delay, after the credits were given bringing the loan to date, took multiple threats, complaints over XXXX months before my monthly loan amount was reduced ; this after being promised it would happen within weeks. 

I want my online access restored, or for them to delete that online account and reactivate it if necessary to get me what everyone else has. I want a credit applied to my principal equal to the amount of reduced monthly loan that XXXX had overcharged me for XXXX months. I want their heads on a pike, starting with the lying XXXX XXXX and his entire department of XXXX. I want my loan moved to another servicer without having to refinance. I am done playing nice and waiting. I have spent upwards of XXXX hours fighting with them, and all they do is lie. If you have any questions, you can ask XXXX XXXX at XXXX XXXX. She knows the whole story.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
I received a notice from Loan Depot, in which I was informed that they had already conducted a Mortgage Analysis on my house, and that I was eligible to apply for a special refinance program, that would allow me to borrow up to, and perhaps more, than the amount of my current loan, which is at 4.25 %, fixed for 30 years, conventional loan. It stated the new rate would be 3.125 %, w/ 3.788 % APR. So I KNEW that there would probably be points involved in the loan, but it stated that my new monthly payment would be {$450.00}, a little more than {$100.00} less than my current payment. I described my mortgage thoroughly, my XXXX XXXX was listed as exceptional. The " offer '' stated " no or low closing costs. '' which ended up being several XXXX dollars. It also said no hidden fees, and possible no appraisal or income verification. I knew that was misleading. But it was only as I was about to give him my credit card to start the process that I finally understood him well enough, that it was now 3.35 % [? APR ] and worst of all it was an XXXX ARM. He said there were limits on how much it could go up. He THOUGHT it was about 2 % /yr. I felt as though, if I had not been an attorney myself, though retired on XXXX for many years, he was trying to set me up for an action that could have easily bankrupted me or my heirs at some point, at least after 10 years. I FELT as though he was clearly being fraudulent with his explanation to me about this proposed transaction. I have his email, but will not include it unless you think that would be appropriate and safe. I would simply like to advise other people who may not have as much experience with mortgages or property law to be cautious if any one should decide to pursue a transaction with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have contacted on multiple occasions I have a settlement for XXXX with XXXX, XXXX  and XXXX. Transworld is trying to collect on the same debt but for XXXX they are reporting on me yet they do not have my account in their office. It 's with XXXX XXXX and XXXX when ever I call they say it 's not their problem call XXXX XXXX and XXXX and that their not reporting on me which they defiantly are.Transworld refuses to speak to me or solve the problem I have done multiple disputes and gotten no where.they are reporting to XXXX and refuse to fix it and I am tired of getting the run around by it 's not my fault talk to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Monday XXXX XXXX XXXX I noticed that equalfax had XXXX debts that where not mine XXXX for {$250.00} and XXXX for {$52.00} when I checked my free credit report from equalfax they had the XXXX wrong names and had changed my name from XXXX XXXX XXXX to XXXX XXXX and Vinyard-Helms They also have me had lived in Maryland and XXXX Missouri I have only lived in XXXX Mo and XXXX Ia and XXXX Missouri I called them immediately and the first woman that I talked to told me that I had to be a member to correct their mistake the second woman that I talked to told me that I had to fax copies of my driver 's license and social security card which I did she told me that it would be fixed by today but I just checked and it 's not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed  seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit 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 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
On XXXX I received an alert stated that a hard inquiry as been made on my credit report. Their should not have been any inquires because I have not applied for anything. However, there was a hard inquiry from Consumer Portfolio Services. I purchased a vehicle from them in XXXX of XXXX as a desperate buyer. The loan itself, I will file a different complaint. I disputed the inquiry with the credit bureau and they did n't remove it and I have attmepted to contact XXXX but it only takes me to their collections department. More recently I received a letter from their attorney for debt collection.The company operated with a XXXX mentality and I no longer want to be silent about their way of doing business. They had no right pulling my credit report. No right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My mortgage was sold to Roundpoint mortgage service in XXXX XXXX. I have had continuing issues with my ability to pay my mortgage through their automated service. I continually called from XXXX XXXX through XXXX XXXX to find out why I could not pay my mortgage online nor would the automated phone system verify my account. It took an average of 20 minutes per call to have a new representative each time research the issue. At some point I was told that my social security number was not correct. It was verified that the paperwork they had was correct, but someone had entered it into their system incorrectly. I was asked to submit a copy of my social security card to show proof even though the documentation they received was correct. During that six month period I also contacted their consumer ombudsman, I never received any calls or e-mails from the ombudsman, until roughly three months later, which was a letter saying they have received my grievance. To this day I have not received any follow-up. In XXXX of XXXX the issue was resolved and I was again able to pay online. In XXXX of XXXX the issue resurfaced. I called on at least three occasions, one in XXXX XXXX, and twice in XXXX XXXX. During the first call in XXXX XXXX I was told I will receive a flow-up call in 24 hours, which never happened. On the second call in XXXX ( after waiting 30 minutes to talk to a rep ) I was told a supervisor will call me back in 2 hours. I also was assured by the representative, that as a consumer advocate, she will ensure it was followed through on. She even sent an e-mail with her info. I never received a call, I did send a reply email to her on the following workday notifying her I did not receive a call. I never heard anything back from the consumer advocate after three days waiting. In the two years I have had to deal with this company ( which was not chosen by me ) I have called to report the same issue over 10 times with absolutely no resolution. Lastly the social security number incorrectly input into the system has now been linked to me on 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
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MIDCOUNTRY FINANCIAL CORP
State: SD

Complaint narrative:
Trying to collect on a old judgment from 14 years ago and have had no contact with me until XXXX XXXX sent me court papers with no court stamp or anything on it and said that they were garnishing my wages for a old judgment from XXXX in Wisconsin that I do n't remember I moved to South Dakota in XXXX and was not contacted until the XXXX of XXXX XXXX about this. 
The original amount was XXXX something according to the clerk of courts in XXXX Wisconsin and they got a judgment for XXXX I was not in Wisconsin I was in South Dakota I left them the collateral In there parking lot and they have added interest of XXXX to the amount so now it is XXXX. I asked for a copy of the file and the lady XXXX XXXX told me no I could not have as it was over XXXX pages. 
They have not sent XXXX letter to me In the past 14 years and they could have gotten my address and such right off the internet I XXXX myself and I found me and it is on file at the XXXX XXXX Courthouse And has been for years. 
These papers they sent are not legal were never filed in court yet they charged me XXXX for filing in court for garnishment there is not XXXX XXXX stamp on them and they were sent from an address in XXXX Wisconsin not from the court house but no heading on it just the address. 
XXXX tactic is what this was my address and such has been in the XXXX XXXX XXXX house for years they said they could not find me yet they say I was served with the judgment papers which would have had my address on them that was returned to them and I did do a complaint with the FTC also. 
Wait 14 years then add interest to the loan seems like a down right scam to me they could have found me they did now after 14 years not sure how they did that either. 
I have had numerous loans in South Dakota and not once has this debt showed up on my credit report if it had it would have been paid. 
XXXX XXXX told me it was undocketed so they never sent it to a credit reporting agency. I have her phone recording I record all of my phone calls. 
Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
This phone number has called several other times on different dates, XXXX. Today, XXXX/XXXX/XXXX, received the call again at XXXX am. Called ID reads " 84 Lumber XXXX '' I answer the call, person on other end asks if they could speak to a particular household member, I stated that was me. Person on calling end stated they were a debt collection service and gave the whole spiel about collecting a debt. I did not understand the name of the company that the calling female stated she was from. She tried pronouncing the name of the company again but in a way that was faced paced and still not understandable. I then asked female why does my caller ID read that she was calling from 84 Lumber XXXX She stated that " this number was given to us after they were no longer using it. '' At that point I disconnected the call. I am submitting my complaint today because if a legitimate collection agency is calling to collect a debt then, regardless of when they acquired a phone number, anyone 's called ID should read what company the call is coming from. When this call came in from this number before on other days, I did not answer the call because I knew that I did n't have any dealings with 84 Lumber and the caller did not ever leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Good afternoon, My name is XXXX XXXX my home equity loan is finance with XXXX XXXX XXXX loan number XXXX ). As a verification of mortgage indicates as well as a payment history illustrates, we forward our mortgage payments to XXXX XXXX from the XXXX to the XXXX of each month. XXXX XXXX has recently reveal the following : Example, if XXXX XXXX payment was received on XXXX XXXX, XXXX and XXXX XXXX payment is received on XXXX XXXX XXXX, according to XXXX XXXX the payment is considered thirty days late and XXXX XXXX reports to the credit bureaus the mortgage payment is thirty days late. We have attempted to resolve this matter with XXXX XXXX, However after speaking with several customers services agents and team leaders the situation continues to exist.

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 2017-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
Still repeatedly calling me after receiving notice to cease and desist

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