vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Item # XXXX - I was provided information by a Transunion alert that an unknown collection agency, Online in XXXX, was reporting an unknown debt for {$58.00}. In researching the line it shows that the creditor, XXXX XXXX XXXX, provided the collection in error. In fact, a check for {$87.00} was received from XXXX XXXX XXXX XX/XX/2016 for the error. The matter was closed and no balance was due. 
Item # XXXX - Transunion continues to provide accurate information in regards to a medical creditor from XXXX XXXX, NV, XXXX XXXX, XXXX. This collection agency was instructed by XXXX to stop collections and erroneous activities of this item line reported on my personal credit report. 
Transunion continues to provide this inaccurate information on my reports which has resulted in loss and harm.

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 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion has me stated as having an account with XXXX that is supposed to be deleted from my credit file. The account was closed on XXXX XXXX, yet Transunion claims that the last date of payment was in XXXX ... which is incorrect and not even possible. Why would anyone pay on a closed account? I spoke with a representative at XXXX Bank and they say the information is correct and they TOLD Transunion and they still have not deleted it. If the account in question was closed in XXXX XXXX, then the date of first deliquency had to me months before, meaning past seven years. On XXXX ( which is owned by Transunion ) they even state themselves the account was closed in 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 2017-01-02 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: FL

Complaint narrative:
I have requested my information several times in the past few months. I am unable to get my free annual and on transunion site, they do not allow a credit report without signing up for monitoring, which I believe is illegal. I have some errors on my credit profile and I want the ability to correct them online with transunion

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 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2016 I disputed inquiries on my credit report. TransUnion sent me an updated credit file dated XX/XX/2016 with XXXX inquiries still reporting that I disputed. I have not given permission to XXXX XXXX XXXX XXXX, or XXXX to pull my credit report and I do n't know what procedures were used to get my report. As of today XX/XX/2016 the inquiries are still being reported.

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 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE BEEN DENIED FOR A JOB BECAUSE OF INCORRECT INFORMATION ON MY CREDIT REPORT. I am not able to reach Transunion over the phone and not allowed to access my report online.I have disputed judgments that have been vacated, and I have documentation for a car loan that was dismissed in court. I want these items removed from my credit report 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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX admits in the attached letter that it has no evidence of any agreement with me, nor any sales receipts, nor any billing statements. It is using a spreadsheet underlying what it reports as 'verification ' of what it reports. At some point the burden has to shift to TransUnion that must realize if a creditor can not back up that an account belongs to a consumer, it must be deleted.

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 2015-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I was excited to get my car however I used my used car XXXX which was worth {$8000.00} as trade the people at the dealer called ally bank and ally bank XXXX additional monies that the car which I have should be paid off as of XXXX instead of XX/XX/XXXX this is unfair and I never received a receipt from themeach time a payment was taken from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union refused to delete an erroneous item from my credit report even though the public court documents show that the case was disposed. XXXX & XXXX deleted the error promptly. 
They have antiquated ways of receiving supporting documents ( mail and fax only as supposed to online upload ) and their customer service is horrendous. 
Make sure you do not have anything planned on the day you call them : ). It 's going to take forever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
All credit bureaus have removed an open account People 's energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned people 's energy in any disputes with any of the credit bureaus.

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 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent several letters to Transunion disputing inaccurate information for XXXX accounts providing documentation these were paid by insurance company ( medical accounts ), proof payment was not 30 days late, updating employment information, etc. and they will not respond. I have disputed online and via mail providing adequate proof and yet they issue no response at all.

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 2015-11-23 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:
My identity was stolen in early 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX Feel like TransUnion is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JDJ Investments, INC.
State: GA

Complaint narrative:
Insurance paid medical bills

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: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
I have my mortgage with 21st mortgage. So far these people have not followed by any of their own contract rules or by the law from my understanding of it. My mortgage is do on the first like everyone else is. but from the XXXX till the day I pay it, my wife and I get calls asking why we have n't paid yet, threats to take us to court to collect the payment and this is all before the XXXX before it is even late. We have never been 30 days late. The one time they argue we where was a XXXX up in their processing system and we where told they fixed it and noted on our account that it was their fault, but every month we still here how we where late and it our fault and that there are no notes on our account. Now this month we spoke to them ( several times and now again on the XXXX ) and said we wont be able to pay till the XXXX due to my wife being hospitalized and having to pay for her meds. They told us they did n't care and that we need to call all our family and friends and borrow the money and get it to them now and that they refuse to approve of a late payment. And now today XXXX XXXX ) at XXXX we have already received another call asking us where the money is and why the payment has n't been made. Now im not a rocket scientist, but when you call the night before and ask for money after all the banks have closed ( around XXXX ) and then call again the next morning before they open, where am I suppose to get this money from in the middle of the night. These people act more like loan sharks or the mob more than they do a mortgage company. My wife and I have had to put up with this behavior for almost a year now and are looking into refi with any other company that we can get in with, even if the rate is higher, just to get away from this kind of behavior. These people will lie and cheat you and do n't care about you or your family. They have also asked me what days I get paid, how much my check is, am I an XXXX and how I should n't be, how I should use my beer and drug money to pay them. The bad part is I have XXXX XXXX and XXXX make it worse and I have n't drank in 10+ years. But these people have told us ( with no prof XXXX way or the other ) that they fully believe we spending or mortgage on drugs and alcohol. The amount of pure crazy slander that comes out their mouths, is staggering. These people are nasty and mean and will say whatever they want. They do n't care what legal they only care what gets them their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I NOTIFIED PAYPOWER IN REGARDS TO A FRAUD/SCAM. THE COMPANY RECEIVED MY CARD NUMBER BECAUSE I WAS TOLD THAT IT WAS NEEDED INORDER TO PROCEED WITH A ORDER TO HAVE SOME PAPERS COMPLETED/TYPED AND PREPARED FOR SCHOOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
this is a follow up to this complaint XXXX we were never given the option to modify this loan. we were steered into a deed in lieu then were told that they would do a short sale and take care of all the liens on the property. they knew about the liens since XXXX of XXXX since that was when the initial title report was pulled. we were run around in circles and provided a short sale approval with XXXX liens. we assumed that the lender took care of this but to our dismay it was not. then we were told that once it got under contract that then the lender would work the liens out. i have correspondence going back to XX/XX/XXXX trying to work this out. if we could have modified this loan we would never have moved out but we were never given that option. we were told by the previous rep that it was all go ahead for the deed in lieu and we would be obtaining a deed in lieu. the current rep stated the the house was schedule to go to sheriffs sale on XX/XX/XXXX. we have n't had any correspondence with the lender since the buyer of the property withdrew. i dont understand how they could provide us a short sale approval with {$XXXX} in liens against the property when they knew for well over 8 months that liens were on the property and they stated they would work on them to get approval then turn around and say you cant get a deed in lieu due to liens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: DCN Holdings Inc.
State: AL

Complaint narrative:
Accounts Receivable ( XXXX ) has sent me communication regarding a debt that is not owed to XXXX ( XXXX ). I retained legal representation and the creditor ( XXXX ) and Accounts Receivable were sent a cease and desist from Attorney XXXX. I want Accounts Receivable to no longer contact me by any and/or ALL communication tactics. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I purchased a gift card from a department store. The card was stolen from my car. I reported the card stolen on that same day and was able to stop the thief from using the remaining {$35.00} of the original {$50.00} limit. The issuing company is Blackhawk Network. They have done absolutely nothing to resolve this issue. I faxed all documentation to them on XX/XX/2016. I called numerous times to check on the status and was told it was still being worked on??? They also claimed to have tried calling me. If so, they left no message. I am certain this was a lie!! Today I received a letter from them stating I had not sent them requested information and they would not be taking any further action. I am attaching all documentation to show proof I submitted the claim form along with the receipt of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I am continually getting automated calls asking for a person by the name of XXXX XXXX. She does not live/work here and they call numerous times a day with no way to stop the calling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: PA

Complaint narrative:
we had a mortgage with XXXX. we had gotten behind because my husband was out of work for a year. I started a loan modification with XXXX and before it could be completed my loan was sold to BSI this XXXX. After speaking with them they advised me that I would have to reapply for a modification with them which we did. this was back in XXXX 2015. I sent BSI all the necessary paperwork just to receive XXXX letters from them claiming they could n't move forward with the modification until they received recent paystubs and bank statements. I sent new XXXX even though what they had was still current. since then 6 months has gone by without any word from them. I email them and get no reply. I recently contacted someone other than my CSR and heard from him claiming he would forward my email to my CSR. That was two weeks ago and still no word. In the meantime I was told no payments would be accepted on my mortagage until it was modified. I now owe over {$20000.00}. XXXX is my loan number with BSI.

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 2016-06-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
Went to a XXXX shop for a XXXX test. Gave my insurance info and requested an upfront statement of charges. Based on this charge statement and my health insurance info ( I work XXXX so I understand the billing guidelines, etc. ) I paid the full amount I owed including meeting my deductible. Several weeks after service, I received a bill for an additional {$310.00}, which I disputed with the creditor. After no response from them, I have now been repeatedly contacted by a collection agency who has since included this collection on all XXXX of my credit reports, even following my report to them that they were attempting to collect a fraudulent debt. 

This is hurting my credit score and I have no recourse other than filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
BSI Financial bought my mortgage from another company. ever since they have stated that I have not made payments.

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: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Medical Management, Inc.
State: NY

Complaint narrative:
The collection company, financial recoveries, claims that they sent me the verification letter after they talked to me, but the fact is that 1 ) I did not remembered that they ever contacted me and 2 ) I never received the verification letter. I do n't know this debt until the landlord told me I have a collection record in my credit report. 

The reason I did not receive is might be they send to my old address. It 's their mistake in their job that fails to verify my information before they sending out the document. The key thing is that they put this information into my credit report without sending me the verification letter, nor notifying me that this debt has not been paid by the insurance yet.

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 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: OH

Complaint narrative:
XXXX sold my mortgage to BSI 8 months ago. I was working on a loan modification with XXXX before they sold my mortgage which was quite time consuming. Then the nightmare of switching companies began. I never received anything from BSI until XX/XX/XXXX. They gave no real information just sent a generic letter saying send money thru XXXX XXXX. I immediately thought this is a scam. After a lot of work on my part I was able to talk to someone at BSI about my loan and XXXX XXXX is who I spoke with and she sent out information. She told me how they were going to help me modification will be speedy process. 

Now it is XX/XX/XXXX and I send all the paperwork in to her and then she tells me I need to send more or it will be rejected by XX/XX/2015 I send everything in before that date and they have it. I get a call saying it is be reviewed by the investors and I will know in 30 days. I hear nothing from them so I call my point of contact XXXX XXXX who tells me I never sent the paperwork in. I tell her I did and received a call. She tells me I am wrong then places me on hold. When she returns she states I was correct and she has the information and will send me out a form confirming she has it. I told her your date will be past the due date and she stated it was just to confirm she had everything from me. On XXXX XXXX I received a call from a seperate department telling me my payment was late and my request was declined. I told the person I was talking to that I had no notification of this and she said XXXX is going to mail it out to you. On Monday XXXX XXXX there was a XXXX envelope with the letter inside and another one saying I will be charge a late fee for my mortgage. My payment was not late and I called leaving a very nasty message. XXXX XXXX called me at XXXX stating she was wrong to send that and that my account has never been late verbally but nothing in writing. I was told I have until XXXX XXXX to dispute their finding. I think it is funny that they give you a week but never do what they promise. They said no because they are using Gross Income and not our Net Income. 

We just want our payment lowered so we can buy food to eat really the XXXX payment has our DTI at XXXX % but they are using the Gross Income of XXXX % to say we are fine. This is not the case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation