vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2015 I submitted a dispute with TransUnion. However, TransUnion refused to process my dispute and requested the following items, a copy of my Drivers License, Bank Statements, a Cancelled Check, Pay Stub, and a Utility bill. I communicated to TransUnion that I do n't provide that type of information to private corporations such as theirs. Yet, TransUnion never ask me for any of these items before they reported this information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HMSV Financial Services, Inc.
State: CT

Complaint narrative:
I applied for a home refinance through Connecticut Home mortgage. Connecticut Home mortgage merged under the Home Services Lending on XX/XX/XXXX. All my paper work and appraisals were done on time. The lender, XXXX, delayed the underwriting for over 3 weeks and now will not honor the rate lock. I need someone to resolve this. The mortgage company one month later wo n't issue a commitment letter or denial but I received a call that the will not honor the rate. I received a call from the Branch manager today, XXXX at Home services lending who recommended that I file a complaint with the CFPB to get the Bank to honor the rate lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have written countless emails and sent faxes requesting TransUnion to fix my address over the past 2 months. During a conversation on XXXX XXXX with, XXXX XXXX, I was told that the address was fixed but it still appears incorrectly and is preventing me from monitoring my credit with my preferred monitoring service. I have TransUnion monitoring service and it is incorrect in that service as well. My address should read : XXXX XXXX XXXX, XXXX, MD XXXX. Transition has address listed as : XXXX XXXX XXXX XXXX, XXXX, MD XXXX because I was forced to place numbers before the address in the online dispute form. Please fix the address so that it appears correctly for monitoring purposes with TransUnion, XXXX XXXX, XXXX, etc. 

I was told in writing by TransUnion that it was the law to allow anyone to pull my credit and I have no defense against random pulling of my credit report. I was notified in writing by TransUnion that my credit file is basically public record and anyone may pull the file without my permission or knowledge. TransUnion has their own interpretation of the legislation that governs credit files and the sometimes sensitive information it houses. I do not agree with anyone at anytime being allowed to pull my credit without my permission or knowledge nor is it legal or permissible under the FCRA. I am requesting again with for the XXXX XXXX inquiries to be removed from my credit report. Please see attached for supporting documentation from 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 2015-09-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
While trying to obtain a VA mortgage loan, I was unable to obtain the loan because of an error on my credit report. I filed for bankruptcy chapter XXXX and the banking financial was also included in the filing of lenders to file against in the bankruptcy. The bankruptcy chapter XXXX was filed in XX/XX/XXXX and was discharged XX/XX/XXXX. The credit report states, it 's was a judgment and not satisfied, but it was filed with the chapter XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I submitted a complaint with department previously ( Case number : XXXX ). My mortgage company, Nationstar, responded that they " needed more time to respond '' and then CFPB dropped the ball and there is nothing further in the file. The issues have not been resolved. The mortgage company has not granted the promised modification, even after asking me to sign, notarize, resend the documents, and send more payments- all of which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I received services on XXXX/XXXX/15 and this was a medical service that was paid for by my insurance company. I contacted XXXX XXXX and they assured me that I had no balance with them. The creditor AR Resources INC continues to try and collect on a debt that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I have been called and send letters that I missed my XXXX XXXX XXXX house payment. Yet they cash the check on XXXX XXXX and on XXXX plus called I have been treated very rude and nothing is being done to resolve my issue. I have faxed them the cancelled check and they still demand another check. The entire staff I have talked to XXXX and they will not listen and hang up or put me on 30 or more minutes hold. They are not trying to resolve my issue and I have paid and they are threathen me with bad credit and late payments even while they have process my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I made an electronic mortgage payment of {$13000.00} which included my monthly payment of {$580.00}. I stipulated the excess funds be applied to my principal balance. The payment was applied without an issue. 
On XX/XX/XXXX Nationstar withdrew the regularly scheduled monthly mortgage payment from my account, {$620.00} ( {$580.00} regular payment & {$30.00} applied to principal ). Later that day I made an electronic mortgage payment of {$12000.00} to Nastionstar Mortgage specifying the entire amount be applied to the principal balance. I received confirmation from Nationstar the payment was received on XX/XX/XXXX ( Confirmation # XXXX ). The payment would have left a balance of approximately {$800.00}. To date the {$12000.00} has not been applied to my principal balance despite 3 phone calls ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and one email ; XX/XX/XXXX. I have not received a response to my email. With each phone call I was assured the issue would be resolved in XXXX to XXXX hours. I requested an email response at the end of the XX/XX/XXXX phone call with Nationstar representative, XXXX, Badge # XXXX. He assured me I would receive an email response from his supervisor, I have not. 
Today, XX/XX/XXXX I spoke to supervisor XXXX XXXX, XXXX ext. XXXX. She explained the funds were not applied to my balance because the remaining balance was such that Nationstar typically contacts customers to ask them to submit the entire payoff amount. I have n't been able to get any sort of response from Nationstar much less a cold call asking for more money to payoff the loan. 
As an aside I must say each representative I spoke with was courteous and tried to be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
BBT ( Banking ) continues to charge overdraft fees. For example, they will have pending amounts that they already take the amount off of your available balance. Then when a charge goes through that is not pending, they charge you an overdraft fee. When you go to the ATM to put money in to cover the negative balance, they hold the amount, then, the next day, when the pending amounts go through, they charge you another fee before depositing the money you deposited the night before. 
They have changed the time you are allowed to deposit from XXXX to XXXX, and will make NONE of the money you deposit available to you until the next day. 
The fees are out of control. They began charging a fee is you download your statement to XXXX. We were unaware of this, so they charged a fee for THAT fee. 
Banks are OUT OF CONTROL!!!! I have even had a hold on CASH deposits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I have my mortgage currently with Nationstar Mortgage. In XX/XX/XXXX/XX/XX/XXXX, I was notified by Nationstar that my policy needed a floodi insurance policy attached and that if I did not provide proper documentation they would buy for me and charge me accordingly. XX/XX/XXXX, I faxed a policy overview of flood insurance my HOA had secured for its tenants and for which I paid for already. When I called the Nationstar customer service to confirm they received my fax, I was told I sent only XX/XX/XXXX-XX/XX/XXXX and then needed XX/XX/XXXX-XX/XX/XXXX as well. So I sent the requested proof to them in the same month. Skip forward to XX/XX/XXXX and I am told that my monthly premium is increasing XXXX dollars per month. I called the customer service because I was quite alarmed. The rep told me that it was Nationstar 's policy to hold 2 times the escrow amount in my escrow account for safekeeping. TWO TIMES. I told my friends and family this since I was upset and they told me that it was completely unreasonable and I should fight it. I called Nationstar again in XX/XX/XXXX to find out again why it was going up {$300.00}. The rep this time told me that I was misinformed and that they only withhold 2 MONTHS worth of escrow for safekeeping - fine, but still why the extra {$300.00} a month? After much searching we find out that they were withholding for flood insurance. The very same insurance I had provided proof I already had through my HOA. I told the rep that I had sent 2 faxes. The rep said he found the first one from XX/XX/XXXX-XX/XX/XXXX. I said I definitely sent a 2nd one for the current year and to check. He said that he found it but no one had updated the system to say that I had flood insurance and that Nationstar did not have to add it to my account. So I have been overcharged for someone 's mistake. And they told me they can fix the error but it will take 30 days to be corrected. So I asked technically for my next payment I will still have to pay the overcharged payment? They told me yes, but after the they reanalyze my escrow, my payment would most likely decrease since I have been overpaying.. I asked if they will reanalyze automatically when the money returns to my account. The rep, XXXX, told me that I would have to CALL THEM TO REMIND THEM BASICALLY TO THEIR JOB. Incredulous! 
I am now waiting for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jvs group
State: TX

Complaint narrative:
On XX/XX/XXXX I was contacted by representative XXXX of JVS Group stating that she was attempting to collect a {$470.00} debt incurred by me for medical services. I expressed to her that I had a XXXX balance with the medical provider that had been recently confirmed. I asked her for an itemized bill detailing the dates of service, patient names and amounts that she was attempting to collect for. She stated that she was unable to mail me this information but provided me with a list of dates and amounts that did not add up to the amount they said I owed. I immediately called the original debtor who checked in their archive system due to the oldest date of service originating in XX/XX/XXXX. They again confirmed that I had no outstanding balances other than an account sent to another collection agency that I make monthly payments towards. All other services had been paid for- not written off or otherwise sent to collections. 

After reviewing the matter, and fearful of aggressive collecting tactics that could destroy my credit, on XX/XX/XXXX I mailed a certified letter to JVS to formally dispute the validity of the debt. I expected a return notice that they had received my letter. It never appeared. Instead, on XX/XX/XXXX I checked the tracking number via USPS.com and learned that a notice was left at the address but no authorized recipient was available. So, I called XXXX XXXX listed on the collection letter from JVS. He was very unhelpful and advised me to mail my letter of dispute via regular postal mail or to give him my phone number so that he could research my complaint. Then, after I refused to give him my number ( which his office has since XXXX called it before ), he stated that I had several open collection accounts, he was a very busy man on his way to a meeting and unceremoniously transferred me to his voicemail! I left him a message with my name and my JVS account number and advised him to cease and desist all collection activity since I dispute his claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We have submitted paperwork for a loan modification to SPS. SPS will not work with us on a modification due to prejudice of supposed home value. Our home is in a nice area and SPS is overvaluing the home. Our home is now in foreclosure status. SPS wants the home back to sell. SPS has not been helping us in our time of need. The lender consistently had prejudice reagaring the home value. We have seen what the homes have been selling for and it is a lot less then what SPS is estimating. We have been charged excessive fees by SPS making it harder to get a loan modification. We were constantly being asked for the same documents over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I am a homeowner who had a fire on XX/XX/2016, complete rebuilding of my home, XXXX XXXX held my money, then later sold it to Nation Star Mortgage out of XXXX, we had an inspection 5 weeks ago and they will still NOT release our money to keep building. I am from XXXX and the weather conditions in the northeast could really hurt us if we do not get this finished, we were written up at that time being XXXX % done and we gave Nation Star everything they have asked EXCEPT the contractor 's license because in the state of Massachusetts the homeowner can be the contractor and sub contract everything out, they said flat out they will NOT release my money to me unless we hire a licensed contractor. In my opinion, this fraud, extortion, they have no right to hold MY money. They said it was their policy but they had no proof to show us, even if it was their policy the XXXX law states we do not need a license. XXXX who had our original mortgage when the house burned, had no problem releasing money to us. I do n't know how Nation Star can get away with this ... .we have lost time from work my husband put his job on hold to get this house done before the cold weather comes and NOW we have these people just hold our money just because they want to .... we are at our wits end and do n't know where to turn, please help. I have had XXXX since the fire, my husband probably will not have a job to go back to because we are now 8 weeks behind schedule and my children have been jeopardizing their jobs to try to call these people ( who customer service speaks hardly any English ) I have never been late for a mortgage payment. I have a high credit score and now they are forcing me to make bills that I should n't have to make now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to {$250.00}. a month or less. They tell me they ca n't do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I had XXXX XXXX loan and it was sold to NationStar Mortgage and they converted it to a non XXXX XXXX loan 40yr interest only, and I have been trying to refinance and no one will touch it because I am {$45000.00} upside down. I thought that if it was XXXX XXXX it had to stay that ' way even if it is sold to another financial company? HELP!!! Please. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Recently received calls from BB & T telling us that there are modification options available to us. We have submitted a complete modification package for review two times but have not received a confirmation of recept. According to the Bank 's lawyer nothing has been received. So we asked her for her fax number to send her a copy to see along with our prior fax confirmation records. The fax that she gave us would not accept our fax, we tried numerous times ( sent bank 's lawyer record of failed fax transmission ), so we sent her the documents via XXXX. She claimed she could mot see the Application in XXXX. So we asked for a second fax number as there was something wrong with the first, she then reveals that she gave us the wrong fax number. So we faxed off the application for about the seventh time for the day and asked for confirmation of receipt which she has not done. Nevertheless she has set a court hearing to ask the court for a sales date with full knowledge that a completed modification application has been submitted for review and she was in receipt of a copy for yourself to see.

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 2015-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XXXX/XXXX/15 I contacted quickenloans ( QL 'S ) for a HARP Refi and was told I was approved but needed to pay $ 400- {$500.00} for an app fee. I advised that I wanted to discuss my options with spouse before proceeding. After discussing and contacting my mortgage Lender I decided not to proceed with QuickenLoans. I called QL 's, the representative was very persistent and matched the GFE of my lender. Since my lender offered no costs upfront, application or appraisal fees as did QuickenLoans I called back to cancel. The representative ( XXXX XXXX ) tried to match the offer by reducing closing fees to compensate so I asked for GFE ( this was now the XXXX business day ). I was informed that I needed to pay the above referenced fee to proceed ( this fee was requested on the original conversation ). I contacted CFPB to learn my rights and promptly contacted the XXXX 's rep, he informed me that I misunderstood what he said ( this was the XXXX thing I questioned and got that response ) I stated that I no longer wanted to proceed because I was disappointed with the way they conduct business and could no longer trusted them. XXXX still continued to push as to why I will not let them same me money and at no time offered to send the GFE although it has now been 4 business days since the original conversation. He even stated that all he did was take my info which I disagree with because for our conversation I believe an application was taken because be ran our credit reports and spoke to my spouse to confirm application information. Further no disclosures were sent to me my way of mail or e-mail. For comparison my discussion with my Lender XXXX and QL 's have been the same and I have received countless e-mails and mailings with disclosures from XXXX and none from QL 's. XXXX further comparison, when I informed XXXX that I needed to discuss with my spouse before moving forward I was informed that they understood that I needed to make an informed decision and to get back to them as soon as possible if I wished to proceed ( P.S. I received a GFS within XXXX mins of the call with XXXX XXXX

Company response to consumer: Closed with explanation