vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX credit line and amount owed are too high..limit should be XXXX owed should be 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 non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc
State: TX

Complaint narrative:
I paid {$64.00} for cloth in XXXX using my Debit card, which i have receipt till now. 

After 2 months they send my personal account details and SSN and DOB to collection agency for charging debt which i never owed. Since last 4 years they added {$270.00} with some interest. They are keep sending mail and calling to me. I was not able to find what was the issues, XXXX / XXXX never helped me to resolve this issues. My credit history messed up because this fraud or some kind of illegal process by XXXX. 

I have chat history with XXXX customer support. I want to file case against XXXX / XXXX 

XXXX share my personal identity to XXXX different collector agency which is here below, 1. XXXX - call @ XXXX / fax @ XXXX / XXXX - XXXX XXXX. Northland group - please find attach document 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX | MO | XXXX Tel : XXXX Fax : XXXX Web : XXXX | Email : XXXXXXXXXXXX Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a collection note for medical that is not mine.Also I have never received any notification from a creditor. Please remove from my credit history, it is not my bill.

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 2015-04-22 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
Contacted Ad Astra at XXXX. A male answered the phone, took my name and then said " are you still receiving mail '' and disclosed my private address to a third party, then disclosed the details of when the loan was taken out. 
After contacting the same phone number and addressing my concern with the supervisor " XXXX '' she then attempted to deny the call ever happened with their office. 
This is a clear violation of my privacy rights, and because the call did occur XXXX is violating the deceptive practice 's of the FDCPA. 

I would request that the Consumer Protection Bureau please audit the phone records of this company. The company has XXXX complaints against them with the better business bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed several items on my credit report and they have not responded with proper proof or anything.

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 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX bank when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.

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 — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
An incorrect previous address is appearing on my credit report. I fear identity theft as a result of that.

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 reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Stop placing fraud alerts on credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/1962 SS # 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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My husband and I wrote a letter to Trans Union on XXXX XXXX, asking them to investigate errors on our credit report. Nearly two months have passed, and we have yet to hear back from them. We do n't know whey they are taking so long to respond to our request.

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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I wrote to Transunion in regards to an entry listed on my credit report which I have previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to the XXXX Bankruptcy court and they wrote me back stating that they do not verify any bankruptcy information to have put on credit reports. If I have a bankruptcy, then it should be on record at the BANKRUPTCY COURT and nowhere else that may be untrue and CAN NOT BE VERIFIED.How did they verify that the bankruptcy public record on my credit report is accurate if the XXXX Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases? Attached is a copy of the letter I received back from the XXXX Bankruptcy Court supporting my position. I want this inaccurate and unverified bankruptcy public record removed from my credit report file immediately because the public record is INCORRECT, INACCURATE AND UNVERIFIABLE since it could NOT have been verified since there is no way to verify it.

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 2017-01-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I returned a vehicle at the end of a lease agreement. The finance company is now claiming excessive wear of all XXXX tires, and they are now billing me for the cost of XXXX new tires. I dispute the objectiveness of their appraiser and the accuracy of the measurements. The tires were within reasonable wear, and I do n't owe them the cost of replacing the tires.

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 2016-12-01 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 am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

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 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given to me which is a violation and I am requesting that ALL inquiries be removed.

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 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have written documentation from XXXX University that account with them should not be reported as charge off and bad debt.. I sent that information to CFPB on XXXX/XXXX/2015 by mail to you, however I did n't put complaint number or mailing. If necessary I can resend information. Transunion can contact XXXX University directly or CFPB can contact XXXX University Financial Department. XXXX XXXX XXXX - Business Office/Financial Aid XXXX University XXXX XXXX XXXX. XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XXXX XXXX, 2015 at XXXX PDT I called Transunion 's credit fraud department to request a credit freeze on my account because of the recently announced XXXX cyber breach. I was given a file number, processed a credit freeze claim and issued them my personally selected PIN number. I was told by their representative that I would receive a written confirmation in the mail within XXXX to XXXX business days. Having not received that within that allotted timeframe I called today ( XXXX XXXX, 2015 at XXXX ) and was told by a Transunion representative that NO credit freeze had been applied on XXXX XXXX or any other date!!!! They completely XXXX this up and left me exposed to potential credit and I.D . theft for over XXXX weeks because of their incompetence and negligence. Besides wasting over XXXX minutes of time on hold, dropped calls, mis-directed transfers, and representatives that did not respond to my requests, I still have no satisfactory explanation why my request for a freeze was not processed in a timely manner, again exposing me to fraud. This is NOT acceptable and I would like an investigation launched and formal complaint filed against this company. After all, their core competency is CREDIT reporting, managing, monitoring, and they ca n't even do that properly. This company has shown blinding incompetence and neglect and they must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I pulled a tri-merged credit report and all the bureaus report a debt from XXXX XXXX XXXX collection company on behalf of XXXX for {$170.00}. I do not recognize this debt and want verification. I was unable to dispute this debt online directly with the bureaus. I tried to obtained a copy of my reports directly with each report agency and have not been successful.

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 card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have been a customer of this credit card company for about 2 years. I began with a credit line of about XXXX, I then requested an increase and was given a line of XXXX. Every one of my credit and loan accounts if in good standing, no account in default or missing payments. Periodically I review my accounts for changes in APR 's and I noticed that the available credit on this card was not what it used to be. I found that this bank lowered my credit line to XXXX without notifying me, putting my utilization ratio to about 95 %, causing irreparable damage to my credit score. When I called them, they claim they had " concerns '' about my account. I asked if the account was in default, and they said no. Their concern : my OTHER cards had high balances. Not that they were delinquent or in default, and this is immediately after the XXXX, when historically people use their cards the most. I believe this is an unfair practice, and it was only done for the credit card companys benefit. They refused to reinstate my original credit line so that my score was not impacted. I am planning to purchase a home in the next few months, and this will cost me a lot of money because of my credit score.

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 2016-08-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: PA

Complaint narrative:
On XXXX/XXXX/16 I received a collection notice from Credit Protection Association L.P. for {$400.00} service balance due to XXXX There is an additional collection fee of {$100.00} that is added on to the service balance. This is more than 25 % of the original balance and extremely high! I have not signed any contracts agreeing to pay for collection fees. The notice says to remit payment to XXXX XXXX even though the collection notice came from the collection agency. Why am I being billed for an additional {$100.00} collection fee if I 'm supposed to pay XXXX XXXX? A month later I received another bill from XXXX XXXX. So now I am confused as to who actually is the current creditor. The original notice also stated that the account would be reported to credit bureaus by XXXX/XXXX/16. On XXXX/XXXX/16, I received another notice stating it would be reported XXXX/XXXX/16. The inconsistent information that I 'm receiving from the creditor and collection agency leads me to believe that they are trying to defraud me.

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 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied for the HAMP with XXXX Bank. XXXX month into the " Trial Period '', my loan was sold to BSI Financial, which has been a nightmare from the start. My HAMP paperwork clearly states " The terms of your Trial Period Plan and your Modification Agreement will REQUIRE us to establish an Escrow Account if your loan does not already have one, and to set aside a portion of your new monthly payment in this escrow account for payment of PROPERTY TAXES, INSURANCE PREMIUMS and other required charges as they become due. I filed a complaint back in XXXX, after BSI stopped escrowing my Homeowners Insurance. Reference Complaint # XXXX. On XX/XX/XXXX BSI responded. Per BSI ( our records indicate that the REQUIRED Homeowners Insurance Escrow issue was corrected. This was an error and BSI apologizes for any distress this may have caused. ) Today when I went on my BSI website, I saw that it was no longer being escrowed. I called BSI Financial and was told that " they were no longer tracking my escrow and that Homeowners Insurance was to be paid by me. '' This is clearly not what my modification states. When I reach out to the HAMP website, it clearly states that Property taxes and Homeowners Insurance must be escrowed. I thought this was resolved back in XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
In XXXX 2014 our loan was sold to XXXX XXXX out of XXXX, OK. Shortly after purchasing the home, we put in over XXXX of updates and remodel costs. I wrote to the company and was told that I had to have the loan for TWO YEARS before the PMI could be removed. It has now been two years and I am trying to request an appraisal so that I can meet the loan to value amount of XXXX % that the company requires. I just got off the phone with their customer service, and they have told me that they can not tell me the price of the appraisal ( even though I have to use an appraiser in their system ). I have to submit a letter requesting an appraisal, and then be bound to pay for it, without knowing how much it will cost me. I was told a supervisor can call me within 48 hours. It appears to me that the company is making it very difficult to remove the PMI and not disclosing appraisal rates. In addition, this year they paid my home insurance LATE out of the escrow account which created problems with my insurance company. My request is that I be given a cost for the appraisal before I request one from the company. I do not believe that their practice of requiring a commitment without knowing the cost is ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
My name is XXXX XXXX my property address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Servicing Lender is BSI Financial Services. My loan number is XXXX. I am writing because I was approved for a trial modification and was supposed to make three trial payments commencing in XXXX XXXX, XXXX my last payment being in XXXX 2015. I have now completed all my payments and have yet to receive the permanent modification. My representative assigned to my case is XXXX XXXX phone number XXXX ext XXXX however, I have left him numerous messages and he is never available and never returns my calls. I have called their attorney and they have advised me that they do not know why I have n't received the permanent modification. I have continued to make my monthly payments however, I am concerned as I am still in foreclosure and the bank does not complete my modification nor give me a valid reason why it is still pending.

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 2016-08-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
I have a loan through a loan company and they have been calling my work place over and over again even after I asked them not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: PA

Complaint narrative:
I continue to have loan servicing problems with my mortgage company, BSI Financial Services. While my mortgages were originally refinanced with XXXX Mortgage, they were sold to BSI Financial in 2013. For almost XXXX years, I have spent countless hours on the phone with BSI Financial regarding loan payments not being processed/deposited when received, payments not being properly credited to my accounts, calls regarding late payments and late fees being applied, and insurance bills being unpaid. The latter was my most recent situation with BSI. Specifically, I received a letter from my property insurance company indicating that correspondence was returned by the post office. When I contacted BSI regarding this matter, they indicated that the insurance address had change, although neither I nor my insurance company were informed about this change. They asked that I have the insurance company contact them for the correct mailing information ; however, I demanded the information and called my insurance company to update their records. I also email a copy of the bill to their Customer Care office to expedite payment ( and included a copy of my real estate tax bill as well given a lack of confidence that they have paid this bill on-time ). While BSI Financial Services is quite adept at collecting debts from others, they are woefully inattentive to the debts associated with the mortgages for which they are responsible.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP
State: NC

Complaint narrative:
XXXX XXXX did not pay our home insurance, although the account is in escrow. We have been uninsured for 2 weeks, and ( if our insurance agent will let us be reinstated ) will not be insured again until after the weekend. 

This is the second problem we have had with our account in the 1st month since they bought the mortgage.

Company response to consumer: Closed with explanation