vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Company keeps calling and harassing me even though I have made arrangements for my 1 month late payment. They also are leaving voicemail 's on my family 's house phone stating that " XXXX needs to call them back ASAP regarding a very serious debt ''. This company is now calling me and hanging up on me repeatedly throughout the day disturbing 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 explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I paid XXXX in 2008 in full please remove from 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 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX XXXX will not provide it to me and TransUnion will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither TransUnion nor XXXX XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! Thank you.

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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX I requested copies of my XXXX credit reports thru the annualcreditreport portal. I noticed that my Transunion report had a XXXX XXXX XXXX credit card account listed under " adverse accounts '' because of a late payment XX/XX/XXXX. I knew that I had never had a late payment on that account, so i submitted an online dispute with Transunion notifying them of the error. A few weeks later I recieved notice from Transunion stating that the information had been verified by XXXX XXXX XXXX and would remain as adverse on my credit report. Becaus I knew that i had never had a late payment, I called XXXX XXXX XXXX and spoke to a rep in their credit department. The XXXX XXXX XXXX XXXX confirmed that I had never had a late payment. I asked if they could send me a letter stating that the account was never late, and they did. After I received the letter from XXXX XXXX XXXX, I initiated another dispute with Transunion. This time I mailed the dispute, along with a copy of the letter from XXXX XXXX XXXX that said my account was never late. XX/XX/XXXX, I received a letter from Transunion with the Investigation Results from the latest dispute. They had removed the XXXX XXXX XXXX account from Adverse Accounts, removed the late payment, and listed the account under Satisfactory Accounts. I was satisfied with this and assumed the matter was finished. But recently when I requested a copy of my Transunion report, I noticed that the same XXXX XXXX XXXX adverse / late payment information had been reinserted into my file. I called Transunion dispute today, and they said they had no record of the information ever being removed. I would like for Transunion to remove the negative information from my report agian and to please not reinsert it. Also, if they do reinsert negative information that has been previously disputed / removed, i think Transunion should notify me in writing of the reinsertion. Otherwise my credit history is being damaged without my knowledge. Thanks for your help with this matter!

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 2015-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
On XXXX XXXX 2015 I received calls every XXXX minutes starting at XXXX relating to a debit for an employee. I asked them not to call anymore on a previous call, however these calls had no announce just a hang up. I called back to tell them again to stop calling this number and they told me they could only give me their mumbled name of AdAstra. After this request I started receiving calls every XXXX minutes. I called in again and XXXX stated they had several accounts with them and they could not get our number completely removed. Each time I called in and gave the number they only pulled XXXX employees so I know exactly what she was referring with this statement. She then said it was going to be XXXX hour before it was removed and that every time I called in it generated a call. I reminded her that I had asked not to be called over 15 days ago and again on Friday because of their dialer practices interfering with my business and I felt I was harassed. She blew that off and said well do n't call in. I want to point in I only called after the calls became excessive and again when I received a call after asking not to be called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am XXXX. I pay cash for everything and do not have credit cards as they cause me a great deal of anxiety if I have them. So I do not use them. I am being punished by other creditors for the information provided by credit reporting agencies for not carrying any revolving debt. I am paying more for insurance, car loans, and other debts due to these facts. I pay cash. The fact I do not need credit cards does not enter into this equation. 

I am being discriminated against due to the fact I do not use credit cards or revolving debt. If I am unsuccessful, then I will seek class action status and go from there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just checked my credit score on XXXX and my score on transunion has gone down again. There have been inquires added to my report which I do not understand as I have not applyed for credit. Some of these inquiries that were put on are from the year 2015 how is this possible? I am complaining because I am trying to obtain credit and I am very concious on paying my bills and keeping my credit report accurate. There are disputes I have pending with all XXXX credit reporting company 's however how does transunion add XXXX inquires on my report that they claim were done in the year 2015? this is affecting my score in a negative way and I am very upset how they get away with this information that I did not do.

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 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY ANY PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF 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 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to 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 explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The collection agency sent me several notices and I continouesly sent them reply that I had paid the bill in full before we move and I asked them to send me the supporting documents. 

Instead of sending me supporting documents they again send the notices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I notice that someone a bunch of inquiries was made on my credit reports without my consent. I have contacted the companies, but I want to ensure those inquiries get remove 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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has reported me as deceased to businesses who are considering giving me credit. This has been a problem for years. I did everything they required ; Social security forms, statements from social security administration, yet the problem continues. I believe someone is giving them the incorrect information, as I do n't have this problem with the other credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
We applied for a mortgage and were preapproved XX/XX/XXXX. All required documents including 2 years tax returns were submitted at that time. We put our house up for sale and got it under contract and made an offer on a house and got it under contract. The house we want to purchase is XXXX below the amount we were approved for. My Quicken Loans rep called me today to inform me that after looking at my returns more closely they would not be able to move forward with the loan. We are now going to be homeless. We have XXXX+ credit scores and have XXXX % to put down. This is wrong. These companies should not be allowed to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
XXXX XXXX My mortgage was transferred to Nationstar Mortage LLC from XXXX XXXX Co. 
I mailed my monthly payment to them as instructed with new loan number written on check. I also sent this payment certified mail. This payment was never applied to current loan account. Instead, payment was applied to an old loan account I had with company from XXXX. This old account has been closed. My XXXX payment is sitting in unapplied funds for old account, as I can view this when I login to my account. I have been calling trying to get this resolved. I made my XXXX payment, also certified mail, which was then applied for XXXX because they ca n't seem to move the funds from XXXX loan account to another for XXXX. I made another payment today ( XXXX/XXXX/XXXX ) on line to make account current and to avoid late fees and negative credit reporting. 
I have detailed notes from XXXX until now with the names of various " representatives '' I have spoken to. Every time I speak to one they respond with " I will submit a request and it takes XXXX to XXXX hours. '' I then call back for follow up and get the same response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: NY

Complaint narrative:
We are becoming victims of dual tracking while under review. 

On Thursday XX/XX/2016, obtained order from Federal Judge referring us to the mortgage modification and mediation program. We submitted a modification package. The bank 's lawyer XXXX is fully aware that it is against guidelines to have a sales date if a complete package is presented for review at least 37 days before the sales date. On Monday XX/XX/2016 she filed a motion in state court asking for a sales date. The bank is displaying unclean hands and no good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
're quicken loans. I had called them about rates and where I would stand at receiving the rates and if they did a credit check would it be a hard hit, they told me yes. They ask me my birth date and social security number and I gave it him a man named XXXX. I told him not to peruse it because I could n't afford the hard hit on my credit report. He said okay. After he and I hung up, he went and ran a credit check anyway. I was sent an alert via email from XXXX. I checked my credit report and saw that points were removed because of the credit check that they ran without my permission .I would like it to be removed thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
I refinanced my home with Quicken loans, VA financing. I had cash back to pay off credit card debt. XXXX check in the amount of {$4.00}, XXXX was made out to XXXX XXXX. I took the check to the XXXX XXXX, ID store and paid the bill at the customer service counter. We received a letter in the mail today informing us that Quicken loans recalled the check for unknown reasons. I am paying for this loan ; I work XXXX hours per week and my wife is on Social Security. I can not afford to ignore {$4500.00}! My mortgage is {$680.00} per month and I am considering not making a mortgage payment until my money is returned with along with a written apology letter! By the way, I have a {$25.00} service charge to pay XXXX due to Quicken XXXX up once again! Not to mention he fact that it took us 7 months to complete a VA refi with Quicken ( actually they should be called Slowen loans ) and we just closed on the loan less than 30 days ago! Then their check bounces? Give me a low grade break already! I have had nothing but problems from Quicken loans, I 'm a Veteran and I 'm not going to take it anymore. I plan to file a complaint with anyone who will listen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I moved XXXX in XXXX 2015. I had a contract on a house for {$560000.00}. I planned on putting 20 % down and obtaining a 80 % loan from XXXX XXXX. She informed me that I had XXXX late pays from BB & T on a HELOC loan I had with them on my house XXXX. I was livid because I knew I had on late pay in XXXX of 2015. The credit report showed XXXX late pays, XXXX in XXXX and XXXX in XXXX of 2015. I called XXXX XXXX and XXXX XXXX of BB & T to find what was happening. I was never able to get a definitive answer from either man. Only after numerous calls from XXXX XXXX of XXXX XXXX was I able to get a letter from XXXX XXXX ( letterenclosed ) .I was only able to get a first lien from XXXX XXXX for {$410000.00} at 4 1/2 % and a second lien from XXXX for {$38000.00} at 5 1/2 % because of the erroneous late pays turned in by BB % T. Now, 5 months after my closing, I went back to XXXX XXXX to obtain a new loan that would reflect the current loan market. What do I find. The new credit report she obtained had the same XXXX late pays from a year earlier. BB & T failed to do their due diligence and I was having to suffer the consequences again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage company lost 5 monthly mortgage checks of mine and ruined my credit score. 
I have sent them proof that I paid, by sending them cancelled/cashed checks, but have not gotten a reply from them since. 
Instead they sent me a statement, showing I failed to make 5 mortgage payments, which is incorrect as I mentioned. 
To top it all off, Nationstar just send me a notice of foreclosure. 
I have been paying my mortgage for 8 1/2 years, and have never been late, and I can prove it. 
I can not get hold of any person in charge at Nationstar Mortgage, that can stop this predatory and illegal foreclosure!! 
On top of that, they are now demanding a 50 % increase in my mortgage payments, even though I signed a fixed 15 year loan at 6 1/4 %. 
Reason given : I did not pay my mortgage for 5 months, therefore they demand that I open an escrow shortage account at monthly payments of {$750.00} instead {$470.00}, an increase of approx. 50 % in monthly payments. 
I do not want an escrow account, since I have been paying my taxes and insurance myself. 
Nationstar also refuses to refund {$950.00} in overpaid escrow fund charges. 
To put it in a nutshell : Nationstar owes me {$950.00} and I owe them nothing, since I 'm paid up with my mortgage payments. 
And now they want to foreclose - that got to be a cruel joke! 
This is a mortgage company from XXXX. 
PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
We found this house in 1996 for XXXX got switched to Nationstar and had to start paying our own insurance which they said they would do. We refinanced once because they told us it was in our best interest. Which we did but lost all the paper work in hurricane XXXX have tried many times to refi with the rates so low. Going thru bankrup got a bill for XXXX plus they are now saying we owe XXXX plus the XXXX on a XXXX year old loan for XXXX something somewhere is very wrong. Any advice or help would help us out the pressure and XXXX is horrible.

Company response to consumer: Closed
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
My husband and I applied for an FHA loan with XXXX XXXX. That certain bank does not do FHA loans in-house so they had to use quicken loans to process the loan. The bank also told us they do not order an appraiser unless we are approved for the loan because they will charge us and do n't want us to pay if we did n't get approved. Well an appraisal was ordered and the guy came out a week later. Come to find out we did n't get approved for the loan and they did n't charge us for the appraisal but we still should have the right to a copy of it. I hope you can help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Many banks ( XXXX XXXX XXXX XXXX - began XXXX - personal funds, XXXX XXXX - from personal deposits XXXX. XXXX - SSD deposits began in XXXX XXXX to current ', XXXX XXXX - XXXX personal check, BBT Bank deposits were via DoD, XXXX XXXX XXXX XXXX stolen funds from sale of personal fraud - sale of jewelry, XXXX XXXX XXXX , XXXX , XXXX ) other Banking Institutions have also been utilized, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX utilized since XXXX XXXX - utilized in XXXX County & XXXX , XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX ) These banks were utilized for depositing funds from work performed thru DoD, XXXX, XXXX, XXXX sale of XXXX, funds continued - in XXXX XXXX - located in XXXX, XXXX ( XXXX XXXX, XXXX XXXX - contract Admin, ). As the total accumulation is Insurmountable - began in XXXX ). The majority of funds, while deposited by me, they were stolen by XXXX XXXX XXXX - SS # XXXXwere depleted!!!! pp

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