vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
I have a personal loan with One Main Financial in the XXXX, NJ location. I have asked them in the past ( request sent and verbalized to XXXX at the XXXX, NJ location in XX/XX/XXXX to refrain from calling me at work as I can not receive personal calls ). During this time XXXX assured me my work number had been removed from the account and I 'd no longer be contacted. Recently I missed my XXXX XXXX XXXX payment and informed XXXX and XXXX with One Main Financial that I would be out of work on temporary XXXX XX/XX/XXXX. XXXX stated he would notate my account. Yesterday XXXX called my cell phone from XXXX. She called my work # from the same phone number mentioned but did n't say anything. And then placed another call to my work number again leaving another message. I called XXXX back after being notified by my coworker a bill collector named XXXX called from One Main Financial. I was also forwarded the voicemail. I called XXXX with my husband on the line. I asked why did she call my work number when XXXX was informed in XX/XX/XXXX/XX/XX/XXXX to remove my work number. She replied, I just left a message stating her name and number. I told that was not true that she did mention the name of the company and this is how it was confirmed as a personal matter - not work related. XXXX replied, oh yes I did call but I do n't see where your work number was removed/flagged. After discussing the status XXXX said there was a flag on my account but it was done incorrectly. I explained XXXX was previously notified of this and my simple request was not being adhered to and it 's off putting. I explained to XXXX XXXX did n't have any money to make a payment as I 'm waiting for my XXXX payments. She stated she needed a payment because I had to be out of work for 30 days and not eligible for the insurance I pay for instances such as mine- temporary XXXX. She also stated she did n't want this to go into another month because she did n't want to go into what will happen. I felt threatened and even more XXXX while trying to recover from XXXX. I explained I would be out of work for a minimum of 8-10 weeks. Said she would make some paperwork out to me but I needed to pay at least {$260.00}. I have XXXX XXXX medical conditions and do not need additional XXXX. I was embarrassed as now my personal business has been exposed by this happening. It truly needs to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I have signed up with XXXX XXXX XXXX due to financial hardship. One creditor has called my job twice for me and was told that we not accept personal calls and to please not call back. Same creditor called my wife at work and she told them the same thing. Since XX/XX/XXXX this creditor has called my cell phone 14 times. I spoke with XXXX and they faxed a notice of harassment document to them due to them calling my job. I am not sure anything can be done but I use my cell phone for my job and I ca n't have it ringing while I am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Residential Mortgage Services Holdings, Inc.
State: PA

Complaint narrative:
I have been trying to go to settlement for over a month. It was scheduled again today, and now the mortgage company says they are not ready AGAIN!!! The people at Residential Mortgage Services ( NMLS # XXXX ) in XXXX, PA seem to be completely inept. I 'm beginning to wonder if they are even a licensed mortgage company. This has moved well beyond ridiculous now, and I have inconvenienced and cost many people through this whole process. I am the seller in the transaction and need to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: Simple Solutions Credit & Debt Consulting Inc.
State: MD

Complaint narrative:
I paid {$800.00} to XXXX, CEO, XXXX Simple Solutions Credit XXXX , AZ XXXX I paid this back in XXXX and XXXX made a bunch of promises over the phone about XXXX major issues on my credit report and they were not legitimate or correct filings on my report. They did not get anything removed and refused to refund my money. 

XXXX also offers others a chance to open their own credit repair business for {$3500.00} or more and she ca n't even repair credit herself. 

I want my money back 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 2015-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Tal Lewis Incorporated
State: CA

Complaint narrative:
I have been constantly been getting annoying phone calls from a debt collection agency over a debt that is XXXX years old. I tried to reach a settlement with the collection agency in which they replied that they would get back to me with a response. One of the representatives then proceeded to daily harass my family members stating that they where going to arrest my mother, garnish my aunts social security benefits. I contacted the debt collection agency and asked them to please stop calling my family members and if they had any further questions to contact me either by phone or email, i received no calls from them but they continue to harass and intimidate my aunt. I called the agency again and told them that i would make payments as previously discuss i just wanted in writing what we had agreed on the amount of settlement and the monthly payments that would then follow. Still i heard no response from the agency they continued to intimidate my aunt about my debt. The problem is this agency wont accept payment if it is not cash and they ignore the fact that i am requesting written notice of the settlement amount we had agreed on. I also dislike how they continue to badger my aunt about them garnishing her social security benefits, and telling her they have a lawyer. My aunt is XXXX XXXX woman whose only income is her social security benefits, she is ill and does not need a collection agency aggravating her daily with threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Choice Recovery, Inc.
State: NC

Complaint narrative:
this account is fraudulent someone got this from my identity being stolen yet choice recovery has reported it to the credit bureaus and also has it in their records to collect ... i have a police report and a id theft affidavit that has been notarized concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have XXXX ( XXXX ) addresses on my Credit Report that I have never, in my life, lived at. 
In fact, I have never lived in the State of Nevada at all and, it has been well over 30 years since I even drove through that state. 
The address are ; XXXX XXXX XXXX XXXX XXXX , NV XXXX and, XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, NV XXXX Please help me resolve this.

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 2016-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: GA

Complaint narrative:
I pulled my credit report from XXXX and XXXX XXXX and an unauthorized entry from AD ASTRA RECOVERY SERV. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. AD ASTRA has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. This entry must be DELETED from my credit file.

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: WA

Complaint narrative:
While checking my credit report, I noticed TransUnion has telephone numbers listed that I demand be removed from my credit file. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called TranUnion ( XXXX option XXXX then XXXX ) on XXXX/XXXX/16 and spoke to a XXXX in the consumer relation department at XXXX in regards to all my inquiries being removed and added back on. XXXX stated to me that I need to talk to the creditors who reported the inquiry. I explained that I already did and I also explained that I sent TranUnion a copy of the correspondence and explained that I was a victim of fraud and he sees the alert on my account and still refused to help me. The previous advisor removed the inquiries because of the fraud and now it 's back on there. Please help they do n't care about the consumer and the damage this has done to my credit profile.

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 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have received a few credit card applications in my XXXX year old 's name XX/XX/XXXX, what do I do? My purse was stolen from my vehicle XXXX including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU

Complaint narrative:
Transunion sent me a Fraud Alert / Security freeze application asking if I would like to place a security freeze on my credit file. My response is no. I do not want a security freeze on my credit file. I did not complete nor submit a credit freeze application. Transunion then placed a security freeze on my credit report without my consent and now my potential creditors are unable to access my Transunion credit file. This blocks my ability to purchase a house, to purchase a car, and my ability to obtain general credit. Transunion then further lowered my credit score to XXXX although I have only XXXX active credit account and no lawful negative accounts. The XXXX account being reported is PAYED AS AGREED and has never been late. My credit score should be a XXXX. Please assist at unfreezing my Transunion credit file and lifting my credit score! I did not request a credit report security freeze. Unlock immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have several items on my Transunion and XXXX report the were previously deleted and have since be added to my report again along with inquiries. I am aware that Transunion had a glitch in their system that violated the rights of their consumers under Secion XXXX. As a result my credit score is suffering and I have been gravely effected. No notice was ever given that these previously deleted items or inquiries were being placed on my credit report again and I am requesting that ALL previously deleted inquiries and previously deleted creditors 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 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
had requested Transunion to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should 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 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am trying to get my free annual credit report but when asked the questions I am asked questions that do not apply to me. Questions that are asking about mortgage loans and car loans I have not applied for, bank accounts I have no knowledge of. I am worried that my credit is being affected by someone other than myself. I wish to know how I can review my credit report. 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 non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXNCXXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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:
On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX. After not receiving a response, I sent my letter of concern to TransUnion addressing my concern. XXXX responded on after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this 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 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had a balance on XXXX XXXX and set up a payment plan and completed the plan on time and XXXX out the balance. The information reported to the credit reporting agencies is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 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:
XXXX XXXX XXXX XXXX a balance of {$1700.00}. This is not for me, it is for a XXXX my deceased husband owned. A lady came to my home about XXXX years ago and questioned me and I explained the same to her. From what I understood this amount is for parts purchased for the business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This tax lien on my credit report was filed in error and the amount on the lien is also incorrect. Please ask Transunion to delete this lien from my credit reports ASAP.

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 2016-07-17 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:
This case was proven to be one that involves the theft of my identity. The original creditor states that they instructed the major consumer reporting agencies to delete all reference to this account from my credit file and I would like assistance from the CFPB to ensure this is completed.

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 2016-09-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank was charging me interest at a penalty rate when the account should never have been in penalty status. No payments had been missed. I was making payments weekly of {$200.00} which was more than the minimum due however the system would show it as late. Even still after 1 year of the penalty rate they still charged it past the time allowed per the terms. I never was notified of the penalty rate and realized the interest rate when I was checking the statement as I noticed since the card had very little use and should be at a lower principal balance because of payments being made are well above the minimum due. They have " cured '' the account now after further investigation with the interest rate and even the representatives have said they ca n't understand why it went to penalty pricing as it should not have. When I asked for a credit for the interest calculation for the error they have done I am getting no where and they are laughing at me. Also the penalty pricing was placed during a time that I reported fraud to them and requested a credit for it. They put the account in penalty APR when the fraud happened and never should have happened.

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 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went down to the courthouse to verify information concerning a bankruptcy found on my report. The information is not mine. The name is the same, but the social and address is not mine.

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 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An address was updated that is not mine. It is from a scam loan servicing company that I am trying to stop payment for. They promised to give me student Loan relief but I received a letter from federal loan servicing and they have not recieved any payment from them or me. I have stopped these payments through my bank account. And I am in process of trying to get ahold of them to try and get my money back. I have no further dealings with them as I am now paying off my student loan directly through the government website. I would like this information taken off 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