vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I pulled up my credit report XXXX TransUnion, I pay XXXX a month so I can do this. My credit score was XXXX then. On XX/XX/XXXX I pull it up again and my credit score is XXXX. 
At XXXX I called Transunion to find out why my score was down XXXX points. I was asked '' which apatment number is yours? '' I OWN my house, since XX/XX/XXXX, I do not live in apartment. XXXX said I did and I would have to prove I own my house. I told them to look on report and it says my mortgage company. They said I had to get letter from mortgage company saying it is a house. Then they said I had a delenquent account from over four years ago and that would bring my score down. I told them it was from four and half years ago that should not have brought it down in the past few days. They refused to check on this. They also said I need to prove I own a home, with XXXX different mortgage companies because I refinaced it over a year ago. They also refuse to add a credit card that I have had for over 22 years now- -saying, after the bank even sent XXXX letters verifying this, that I do not have this account. I have wrtten about this charge card XXXX times, called XXXX times, bank has sent XXXX letters. 
I can not get them to understand a single thing. I still do not know why I lost XXXX points in just a few days. Nothing is past due except the account that is over XXXX years old. XXXX guy flat refuse to do anything ( talked to XXXX people including supervisor ) because it went back to " you live in apartment ''. Please help me here, please. TransUnion is the ONLY agency that has my credit all messed up. I finally ended the phone call at XXXX AM- -the whole time they would nto do XXXX thing except refuse to add credit card I have had 22 years and refused to know I own a home, that I do XXXX live in apartment- -which is stupid, it shows on my credit report of home mortgage. I need HELP, please. I have worked hard to get my credfit pass XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 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: WI

Complaint narrative:
I am trying to rent an apartment and the renter ran a credit report on me through Transunion and was unable to get any information. I also tried getting my free annual credit report though Transunion and XXXX and both would not give me any information. I was able to get my report using XXXX though.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been fighting with Transunion for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
a debt keeps appearing under my name which I do not have,

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 2016-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial blocked me from viewing past payments history online, to see if there 's any missed payments on the account.According to the [ EUTA ]. 
Electronic and Record Act I should be able to access and retrieve records / data online if I did business electronically with Ally via. eBill, email or any other type electronic transactions. Ally Financial used my personal authenticity [ username and password ].

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 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX account XXXX seems to be reporting the wrong date opened for the account and the credit account is reporting and re-aging serveral times on my Transunion report. It was a XXXX account XXXX which became a XXXX XXXX Account XXXX which became a XXXX Account .Its seems the same account is being reported XXXX different times on my report. XXXX XXXX is refusing to answer my complaint or change the re-aging or fully investigate. When accounts are duplicated they should be removed from my credit report. Requested a validation of debt also.

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: Credit card — 
Issue: Billing disputes — 
Company: KEYCORP
State: CO

Complaint narrative:
KeyBank is charging a {$51.00} interest charge on purchases despite the balance being paid in full prior to the monthly due date. Their printed statement states, " Paying Interest : ... We will not charge you interest on Purchases if you pay your entire balanace by the Due Date each month. '' The monthly statement from XXXX/XXXX/16 to XXXX/XXXX/16 includes a previous balance of {$7200.00} along with payments and other credits of {$7200.00}. When customer service was called, the representative indicated that they would not refund interest charges and indicated that interest in incurred daily. When I disagreed and told her that was true unless the balance was paid in full, she hung up on me. I called back upset and spoke with another representative. She indicated that there was nothing that she could do other than create a ticket number to have my account reviewed. I indicated that I did not want a ticket number and wanted to be transferred directly to someone who could review my account as I had recently called about another issue 3 times with no call back when issued a ticket number. The representative could offer no help other than a promise to call me back ( which has been made before ) and could not provide any information why an interest charge was being applied. I have a ticket number for the request but am not confident that the issue will be resolved given their past performance of not calling me back. The representative could offer no resolve on my previous ticket number either so they are clearly not looking into the issue reported in XXXX 2016, giving me no reason to believe they will look into this one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Bureau Collection Services, Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2016 I was contacted by a collection agency on behalf of XXXX XXXX XXXX regarding an electric bill which was due for payment on the XXXX of XXXX 2016. However, I never received any previous notification regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
My father passed XXXX XXXX, 2016 he had a home equity line of credit and insurance to pay it off purchased in the home equity. I spent 5 month trying to get a amortization schedule from bank providing the death certificate and the will to bank by XXXX XXXX if not sooner. took till XXXX XXXX, 2016 to receive this document. then payment was made by insurance company on XXXX/XXXX/2016 applied XXXX/XXXX/2016. was told that the funds would be transferred back to checking account and lien release would be provided in 10 business day. on XX/XX/XXXX i called as nothing occurred and now they claim all they have is death cert and nothing else. i provided this to branch in XX/XX/XXXX and to XXXXXXXXXXXX on XXXX XXXX, 2016. Resent XXXX XXXX, 2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
I have a settlement that I am paying off through Attorney XXXX at O & L Law Group XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: P&B Capital Group, LLC
State: MD

Complaint narrative:
Receive repeated calls from XXXX for some type of debt collection. Leaves very little information, seems to be a scam. Business is not licensed in the State of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
We have requested information from roundpoint concerning payment information this company has refused to follow legal documents and have added all types of additional fees and interest, we have sent in copies of documentation this company refuses to follow and know sent a default and intent to accelerate we have all receipts from making good faith monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
My wife and I have our mortgage through TCF Bank. Five years ago, we were offered a low interest payment, which would end in a balloon payment of {$160000.00}, due XX/XX/XXXX. They were never clear about what would happen on the balloon date, as we would not have that much money. Finally, they offered a reasonable new loan, effective XX/XX/XXXX Now, just one day before XX/XX/XXXX, we were told that our loan is on hold. I relied on their promises in good faith ; now, I fear they are trying to somehow trick us into a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
My mortgage company incorrectly reported my payment history as XXXX days late to all three credit bureaus. I am currently XXXX days late, not XXXX. I am requesting this information be corrected immediately. The entire reason for my payments that started falling behind was because Roundpoint did not pay our Homeowner 's Insurance despite it being escrowed. In order to avoid our policy not to lapse, we had to pay our of our pockets. Roundpoint took almost 2 months to rectify their mistake and reimburse us for the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I have become between 30-45 days late on my auto loan. Gateway one is attempting to collect the debt. I spoke with a supervisor, XXXX XXXX today who told me my only option was to pay {$470.00} today or my account would be out of his hands and reviewed for other action. I offered to make a payment dated for Friday XXXX a mere 3 days later and was told that is unacceptable. XXXX was vague and dismissive regarding what the next action would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing a complaint because Pro Collect Inc. is not licensed to collect debt in my state ( Texas ).

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 2016-11-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: NY

Complaint narrative:
First Niagara Bank was sold to Key Bank. On XX/XX/XXXX, the date of the transition, it took over 4 hours to gain access to my accounts online. On XX/XX/XXXX, Key Bank deducted my mortgage payment ( they call it 'auto deduct ' ) which I did not authorize. This caused an shortage in my acccount. Key then deducted funds from my savings account to partially cover the shortage. When I discovered the error, Key told me it would take 10-30 days to correct. I left work ( losing pay ) and went to a branch and demanded the error be corrected immediately. It was corrected the next day. The following week, Key again overdrew my account by making duplication payments to XXXX other accounts. Unfortunately, they did not reverse their unauthorized deduction from the savings account so I had no funds to rely upon while Key figured out how to correct the error. They then accused me of setting up something they call " Auto Deduct '' which I never used with either Key Bank or First Niagara. On XXXX/XXXX/16, I set up a bill payment for my mortgage with Key Bank and the funds were deducted. 
As of XXXX/XXXX/16, the payment has not been posted and Key Bank departments - Mortgage Servicing, Online Banking or the branch - can figure out why the payment is not posted. All departments acknowledge the withdrawal of the funds from my account, however, I receive daily calls about a late payment, and daily mailed notices with threats that my credit rating may be in jeopardy. This is not fair or right. I did not ask to be transferred to Key Bank and since being assigned to them, I have to check my account online at least 3 times per day to insure that the bank has not tampered with the account without my knowledge. Their lack of internal controls, their obvious inability to handle the transition of accounts from First Niagara and they accusatory behavior towards their customers should be dealt with. I am trying to go to another bank but refinancing my mortgage will cost me even more money. But I am at the point that I have no other choice. Can you help me get through to Key Bank and have them fix their errors?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: The Moore Law Group
State: CA

Complaint narrative:
Each year the XXXX and the law firm who is representing them harrassed me and file diffrent claim against my bank account, by phone call and last week by the involuntary lien which they put on my property. 
On XXXX XXXX. XXXX, I received a letter from The Moore Law Group, a professional Corporation who represent XXXX about payment agreement to make a {$25.00} monthly for XXXX payments by XXXX of each month every month. They sent me a contract to sign and Since then I have been paid the due amount on time, each month without even one day late. The XXXX and their representative never on XXXX served me or notified me, that involuntary lien were put on my house. About two days ago I received a letter from Registrar-Recorder/County Clerk, to notify me notice of involuntary lien which was renwed again against my house. What the XXXX and their firm did is a fraud, they never told me that the lien was put on my house in XXXX when they asked me to make monthly payment, they never told me that they will renew the lien.If I am making payments, why withourt my knowledge they have to go to the court and renew the lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: VA

Complaint narrative:
I had a car loan with First Niagra Bank. The loan was assumed by Key Bank and I received a letter from Key Bank dated XXXX XXXX, 2016, stating that as of XXXX XXXX, 2016 Key Bank would become the holder of my auto loan. 
I have made XXXX payments via phone to XXXX on this loan, on time and in accordance with the original terms and due date on the loan. Key Bank processed both payements and accepted my money. 
I was told on XXXX separate calls that I would be rfeceivign a statement in the mail within XXXXXXXX business days. I NEVER received anything from Key bank beyond the original letter mentioned above. I called once more, and was told that I do not get paper statements because I am set up for auto-pay. I can not log into the Key Bank online account access until I have an account number. I can not get an account nuber until I get a statement. XXXX calls, no answers. i believe this is the most incompetent bank I have ever encountered. 
need to register my car in Virginia ( having recently moved to Virginia ) and I am unable to do so until I have the loan acct inormation, which I can not get until I log into the online banking site, which I can not due until I receive my account number, which is on my statement, which I do not get because I am set up for auto-pay, which can not be collected because the bank where the payment is taken from has been closed. 
Worst Bank EVER!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: MD

Complaint narrative:
On Friday ( XXXX/XXXX/16 ) I went to a Key Bank location close an account on behalf of my deceased mother. I had all the appropriate legal documents to close the account. The nice Key Bank employee informed me they could not close the account because the " system '' was down. The Key Bank employee had no idea when the system would be functional again. I called today ( XXXX/XXXX/16 ) and Key Bank 's " system '' is STILL down! So I still can close the account. The Key Bank employee I spoke to today ( XXXX/XXXX/16 ) says they STILL have NO IDEA when the system will be functional. Almost unbelievable that the system would be down this long!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I received a voice message this morning on my home phone, XXXX, from ProCollect, Inc., XXXX, TX, a debt collection agency. The caller requested that I return their call at XXXX. I have not and will not do so. 

Alleged debt of {$120.00}, as noted in a letter from ProCollect on XXXX XXXX XXXX, is for repairs to purported damages to an apartment I shared with XXXX other occupants. I responded to ProCollect by letter dated XXXX XXXX XXXX that that I disputed the charges claimed by XXXX, the lessor. In my letter, I stated that some of the purported damages were noted as pre-existing on my move-in report ( which XXXX XXXX has failed to provide ), and I disputed the existence of others. I requested a move-in joint walk-through from XXXX when I occupied the premises on XXXX XXXX XXXX, and a move-out walk-through was also requested on XXXX XXXX XXXX. Both requests were denied. My XXXX roommate who was still in the apartment on XXXX XXXX also requested a move-out inspection on that date, and was also denied. Since there was no documented joint agreement on the premises ' condition at move-in, and refusal to do a joint inspection at move-out, XXXX unilateral claims as to damages are without merit. I also requested refund of my security deposit in the amount of {$100.00}.

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