vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
In 2013 my wife and I moved to XXXX to help our son with his XXXX children who was recently divorced. Because of his job requirements to travel often during this particular time frame we decided to rent our home for a few years or at least until they were old enough or until his travel requirements would change. A few months after we moved we got behind so we submitted a request to our lender for a hardship mortgage modification because of my wife losing her job and soon became XXXX from XXXX a year before. Making mortgage payments soon became a struggle. We soon became desperate and eventually heard about a company via a radio ad called XXXX XXXX out of XXXX Utah. Needless to say it was the biggest mistake I have done in my life. They painted a rosy picture of course and it sounded so promising. They inform not to make any Mortgage payments and not to contact anyone but them and they would do everything. All we had to do was pay m a money instead of making regular mortgage payments. we 're at the brink of losing our home. Both of us are over XXXX and our credit is about to be ruined over this. can someone please shed some light on this situation for us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions.
State: VA

Complaint narrative:
A company named XXXX keeps calling my phone and hanging up. 

XXXX XXXX XXXX XXXX After receiving 5-6 phone calls from them in a row, I called back. 

They claim to be collecting a debt for my wife, but they have no documentation, I see nothing on her credit report ... Any attempt to get them to prove she owes the debt are met with threats of lawsuits. 

We just bought a house, we have no collection, no judgements. 

I am tired of being harassed for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Business and Consumer Solutions.
State: AR

Complaint narrative:
I received a letter with the mailing address of FBCS , INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX - attached Letter XXXX XXXX XXXX XXXX is the principal agent for FBCS, INC. ; and I believe XXXX XXXX XXXX is XXXX in the same as FBCS , INC. 

In Letter A, there is an offer to settle an unverified DEBT at 75 % off with some company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX XXXX is acting as President and Chief Executive Officer of XXXX XXXX XXXX XXXX XXXX. ; and i believe XXXX XXXX is XXXX in the same as XXXX XXXX XXXX XXXX XXXX. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', XXXX XXXX XXXX XXXX attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter XXXX is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter XXXX. 

I believe Letter XXXX is an attempt to collect on an unverified DEBT sent through the XXXX XXXX, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My wife and I believe we were denied an equity loan based on our age. Here is the story. 
We bought a house in XXXX Michigan in XXXX of 2013 that had been foreclosed on by the XXXX. We paid the appraisal price of {$69000.00} for the house and financed {$55000.00} with XXXX. We put over {$30000.00} into the house completely remolding kitchen and bath ; replacing all cast galvanized water pipes with XXXX ; upgrading electrical ; new double steel insulted garage door ; installed covered patio ; restored outside sprinkler system ; new hot water tank ; all rooms were painted and the hard wood floors through the house were professionally refinished. Our house is now XXXX of the nicest in our subdivision and with a lot size of XXXX acre has the biggest yard. Comparable houses in our neighborhood which there are XXXX listed XXXX for {$110000.00} and the other for {$110000.00} neither have updated bath or kitchen. All to say our house would clearly appraise and sell for well over {$120000.00}. 
We recently decide to get a home equity loan with 5/3 Bank. After XXXX or more weeks of just XXXX more document after another we were finally approved pending an appraisal. When we first met with 5/3 loan officer the first thing i ask was if the appraisal would be a walk through not just a drive by. We were assure XXXX that it would be a walk through so 5/3 could see all of the improvements we had made to the house. After calling several time the loan officer said the appraisal came in at XXXX therefor we could n't get an equity loan. The loan officer said yes it was a full appraisal. This was not true and i informed her that i was there when a guy came by and took some out side pictures. I ask him if he was coming in and he said no he was paid {$25.00} to take picture and that was all. 5/3 has refused to preform an appraisal even though they had promised to preform XXXX. We believe it is 5/3 way of discriminating based on age.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
We have XXXX business products with Fifth Third Bank and recently I made two payments 8 days after the due date. The bank has hiked the rate up to 29.99 % on both accounts. I believe this has been done on discriminatory bases because we are a minority owned business. We are asking the bank reduce our rate back to previous afforable rates as before. Also, monitor Fifth Third to see if they are enacting predatory and discriminatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I responded to an offer I received from 5/3 bank back in XXXX of 2016, stating that new bank customers that opened new checking accounts would receive {$200.00}. I opened the account online and visited the local branch with the offer code and to finalize the account with a signature and deposit. The terms of the offer explained that in order to receive the {$200.00} I would have to have direct deposit from my employer and complete XXXX online bill payments. I have satisfied all conditions of this offer as of XXXX/XXXX/2016. I have not ever received the {$200.00} for this offer. I have called more than 20 times and I keep being given the run around. I even corresponded through their face book and social media group which finally did call me back and left me a message stating they would honor the offer and wanted me to call them back. This was more than 2 weeks ago and they have still not honored it. I have left more than XXXX voicemails and never get anyone to answer when I call the number they provided. They claimed that they spoke to me on XXXX and that the issue was resolved, but I never spoke to anyone and the issue is not resolved because they have still not honored the offer. I think this is extremely deceptive and coerced me into utilizing account features that I would not normally use to only not have them honor the {$200.00} bonus for completing the stipulations. I think this offer should be honored unless they can show that I have not completed the conditions and they should immediately deposit the {$200.00} into the account as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I signed up for a load and this loan was transferred to Freedom Mortgage in XXXX 2015. 

Freedom MortgageXXXX.XXXX XXXX, IN XXXX have made over the course of the loan 12 additional principal-only payments of which only 2 had been applied correctly at the first time. All other payments were distributed as additional regular payments, splitting them intoRegular principalInterestEscrow for TaxEscrow for Insuranceonly the remaining amount was added as additional principal payment. After I noticed this the first time I was calling Freedom Mortgage to get this fixed and ask to ensure that this will not happen again. Now, 11 payments later, the issue became even worst as they now splitted the payment into 2 times a regular payment, and only applied the remainder as additional principal. 
Every single time I had to call and had to have the payments being adjusted. 
My complaint is regarding the practice used. It seems to me that they are collecting on the overpaid escrow amounts interest until the customer realizes the wrong distribution. Given my loan being not that large, extrapolated across XXXX ( if not XXXX ) customers, the money embezzled from either the customer or the banks ( how ever one looks at it ) amounts to a considerable amount. 
Based on my experience with Freedom Mortgage it seems to be done on purpose to extract as much money from each customer as possible. 
I for my part are not willing to provide loans to my mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There is debt listed in collection on my credit report. 
I was unaware of this debt and have not received any bills or corespondence from the original company or the collection agency. How do I get this removed 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
Consumer complaint received 2016-04-11 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 got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX XXXX XXXX XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. XXXX XXXX XXXX XXXX/XXXX/2015 I would like to see a signed agreement to confirm my signature as I do not remember authorizing this inquiry.

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 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have disputed this with XXXX, XXXX and Trans Union several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are quite a few collections on my account that should have been removed by now but the initial date reported seems to change. I do n't believe that ; s legal and some of the accts have been charged off years ago and are now back on my credit report. These credit bureau 's are impossible to fight and seem to be able to get away with this type of stuff all the time. Please help if you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
We 're not able to agree on the amount owed. I do owe them money just not the amount they 're claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Delbert Services
State: TX

Complaint narrative:
lender charged my bank 2 days before agreement. Then charged XXXX times in one day, racking up insufficient funds fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, TransUnion, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.

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 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE STOP DENYING ME AN INVESTIGATION! 
I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Transunion regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to 20 inquiries on my credit report. PLEASE HELP ME!!!

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 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a Veteran and I was having a medical emergency so went to nearest hospital and I notified the staff I was a Veteran because they would have to go through the VA to get payment for my treatment or transfer me to the VA hospital when stable but they did not contact the VA and now have been trying to make me pay the bill have been fighting to get this of my credit report Trans Union but to no avail so want to file complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted transunion requesting XXXX be removed was placed twice XXXX diff companies same account.

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 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed. 
TRANSUNIONS credit files does not support latest credit scores. These scores continue to drop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filling this report because Transunion has completely failed to provide a proper investigation on the accounts they are reporting inaccurately. As well as provide proof of the accounts that they have supposly verified. Under FACTS XXXX XXXX XXXX XXXX - you must, " Promptly delete all information which can not be verified '' Please help me resolve this matter as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The XXXX # XXXX is older than 7 years why is this still listed? Please remove

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