vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-08 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:
Trans union 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 which is also a violation and I am requesting that ALL inquires listed bellow be REMOVED XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as XXXX inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..

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 2017-04-01 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:
Transunion is reporting an incorrect account on my credit report, and it putting an halt on me obtaining certain employment. The alleged debt does n't belong to me, and since Transunion is reporting it, it continues to make my life difficult.

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently was turned down for credit based on Transunion not updating and deleting my XXXX Chapter XXXX bankruptcy from XX/XX/2010. I filed with my then attorney while living in XXXX, MD during my treatment for XXXX XXXX and was on unpaid medical leave thus filing for Bankruptcy. I have contacted Transunion numerous times to correct other erroneous details on my credit report and every credit reporting agency except them has taken my request seriously and rectified the situation. I belong to a financial support group and it 's ironic that all of us have the same issues with only Transunion not abiding by regulations and laws for consumers. Thank You in advance for your assistance.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent XXXX letters, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.

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 2016-10-10 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Manhattan Beach Venture, LLC
State: PA

Complaint narrative:
I am a 2014 graduate of a XXXX program with over XXXX worth of student loans. Naturally, I was looking for some debt relief or a solution to improve my financial situation. My mom sent me a facebook article about 'debt relief ' which led my to the " Student loan relief department '' ( I use this title very lightly ) based out of XXXX , California . I talked to a representative for a decent period of time via phone and before I knew it I was locked into a $ XXXX/month service ( they fill out your paperwork for the PAYE government loan forgiveness program ) before even thinking about what I signed/read ( my lender has made me aware of that I am able to do myself for free ). I attempted to cancel the service when I was made aware ( by fed loan servicing, my lender ) that I am able to complete the 10 minute process myself when I was made aware by " Student Loan relief Department '' that 'it was too late and the work was already done ', I could not turn back. I was also initially told that I owe {$800.00} up front or {$1200.00} over 3 years ( with interest included ) to only find out that I owe {$1200.00} PLUS interest accrued over the three year period. This company has misled me about many things on the initial phone call as well as over time through email and follow up calls. They denied my request to end our business relationship ( which was a scam in the first place ) and now are virtually unreachable via phone. My lender ( XXXX ) has directed me to the FTC and XXXX to report this and states that these are scam companies. Now I am stuck paying {$1200.00} PLUS interest further putting me into debt due to being misled and misinformed. Please help me! I am willing to do what ever is necessary to help other new grads avoid falling into this trap as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I made a settlement agreement with XXXX. I made all payments per the settlement agreement except for about the last seven when XXXX stopped depositing my payments. 

Per the letter I have attached, even though XXXX XXXX stated that they would deposit my post-dated check on XX/XX/2016, they did not. Furthermore, they did not return my calls when I specifically left over a dozen messages for them to call me so that I could pay them. Even after they sent me a Notice of Default, also attached, and I specifically called the number they stated and left a message, I did not receive a return call. The only time I was contacted was in later months when their new attorneys, XXXX, called, telling me that I now had to pay the full balance rather than the settlement balance. They told me that they would not recognize the settlement I had previously made with the old attorneys and that I would have to pay over three times the settlement amount. 

XXXX then went to court and got a judgment against me. I was not given the opportunity to go to court to defend myself. I only received the " Notice of Entry and Docketing of Judgment '' ( please also see attached ). 

I do not believe this is right or legal. I do not believe that a company can agree to a settlement, stop taking payments, and then go back to the court to get the full amount. I believe they have to abide by the settlement agreement they made. 

P.S. I had worked well with the old attorneys and had less than seven payments left before everything would have been paid off. Additionally, the old attorneys had said that they would take offers to further reduce my total amount due if I were willing to make one last larger payment. I was all set to make an offer when this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: MD

Complaint narrative:
Date of {$1700.00} Loan XX/XX/2017 Today, I called XXXX at the XXXX , Va. location to confirm my payoff amount of {$790.00}. However, XXXX stated a payoff amount of {$1100.00} ( as of today ) ... ..plus an additional $ XXXX in interest. These amounts I dispute. My payments are as follows : XXXX Money orders dated XX/XX/2017 XXXX for {$500.00} & XXXX for {$150.00} totaling {$650.00}. 
XXXX Money orders dated XX/XX/2017 XXXX for {$150.00} & XXXX for {$100.00}. 
XXXX Money order dated XX/XX/2017 for {$35.00}. 

Total payments as of today, {$940.00} on a {$1700.00} loan..but still owe over {$1100.00}. 

The agreement indicates ... .. " Prepayments. You may prepay in whole or part at any time the amount due under this loan agreement and will not incur any additional charges, fee or penalty. However, we will refund the finance charges we have earned if at any time prior to close of business on thr business day immediately following the date of this loan agreement, you prepay to us in cash the amount financed ( principal ) in full satisfaction of your obligations under this loan agreement. '' It is not my fault their payment machine was down so I had to mail payment in therefore processing was delayed resulting in additional charges, penalities and fees. 

So far, based on their calculations, I have paid {$330.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient claims that I have used 48 months of in-school deferments and I have n't been in school for a full 48 months yet. I have had financial hardships while XXXX children and placing education on hold, periodically. Navient is harassing my co-signer who have been trying to pay the loan. I am currently seeking employment, however, I have no job. I have asked Navient if I can pay $ XXXX/month, but they refuse to accept my payments. Again, at this time I can only afford {$50.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I applied for a student loan while I was in school. I paid interest on said loans almost the entire time that I was in school. Now I am unable to paid anything on my student loans due to loss of employment and my spouse is working on getting his XXXX. The loan was made through XXXX which now navient. They have since sent my to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC
State: ID

Complaint narrative:
I received a call from XXXX this person left a voicemail stating I had an outstanding debt with XXXX. He provided my birth date and the last XXXX of my SSI number. He said I needed to return the call or he would be taking legal action with the State of Idaho. 

His exact words were " Summons for the state of Idaho for theft of services-check fraud. You can contact the party directly to clear this up '' and left the number above. 

That same day about XXXX minutes after I received this call my mother received a call. He told my mother his name was XXXX XXXX with the Idaho XXXX and that he was looking for me. He went on to say that I had a warrant out for my arrest and that it would be embarrassing if he had to pick me up at work. He gave my mother and name and number ( number listed above ) and told her I could resolve this by contacting that number. 

I called the warrants department in Idaho. I do not have a warrant out for my arrest. Also I did take a loan from XXXX several years ago. To my knowledge this was included in my bankruptcy. Regardless, this company is threatening and falsely representing itself. 

When you call the number above they refuse to provide any information about the so called officer or " the account '' but want you to settle by giving them a debit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
I moved from XXXX to XXXX because I needed to get away from my XXXX husband and moved in with my brother. I had lived on my own and had Dish service when I left my husband. I could n't use XXXX as my brother already had his house set up with another vendor. I sent all the equipment back and then they sent me a bill for XXXX. They said I did n't return all the equiptment as well as I had a long term contract. I explained that I had no way to use it where I was but they sent me to collection. On XX/XX/2017 I called the collection company and spoke to a young lady and negotiated an end to the problem. She said that if I paid the XXXX that would take care of it. She said that the equipment they were charging for was the piece on the roof and I was n't expected to go on the roof and get it. 
When the next report came in from the credit bureau they now have me in there with NEW collection for XXXX and still have active collection in there for XXXX, I am buying a home and the lender says I need all this off my report and I '' m trying to get it off but getting no where after I negotiated with them in good faith and was told it would be a done deal. 
I am asking to have them ALL taken off the credit report AND to have my {$650.00} back. I expect that I 'm going to have to pay them more money to get this done and it 's not correct nor fair. I could n't use the program and it 's wrong to charge someone especially a senior citizen on social security for service they ca n't use when they need to move in with a relative. 
Please help me Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: IMC Capital, LLC
State: IA

Complaint narrative:
XXXX at XXXX XXXX XXXX XXXX has sent an UNSOLICITED card in our name and our business name with a ridiculously high line of credit. This is illegal. We will be contacting them, however this practice must be stopped immediately.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Recovery Group
State: KY

Complaint narrative:
Contacted my husband and my parents threatening to present me with legal documents and arrest. 

I told them I had no knowledge of the account and they were unwilling to provide me anything other than the amount. Would n't give me an address or name of company.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Upon checking my yearly credit report, I noticed XXXX collection accounts that were being reported by Commonwealth Financial Systems. I sent a letter to Commonwealth Financial advising them I have no knowledge of these alleged debts and I would like to be able to validate them. I received a letter back stating they were n't able to locate an account based on the information I provided in my letter. I was able to locate account numbers for these debts on my credit report so I sent them another letter listing those account numbers, in response. 10 days after I sent my second letter ( including account numbers ) I received a letter from this collection agency attempting to collect payment on these alleged debts. The letter I received states that these accounts have been placed with this agency and I would need to notify their office within 30 days if I would like to dispute the validity of these debts otherwise they will assume these debts are valid. Before I saw these collections listed on my credit report I had never heard of Commonwealth Financial Systems and I had never had any communications with them. At this point, it has been well over 30 days since I sent my first letter requesting validation on these alleged debts and to this day I have not received anything to validate them ; however, they have started sending me letters attempting to collect on these debts and that only started after I asked for validation. I have no information on these debts other than what is reporting on my credit report and even though I have n't been allowed to verify these debts are valid they are still reporting and damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
As a victim of identity theft, I disputed various items on my credit report in XXXX, including XXXX. The investigation returned with no changes. I contacted XXXX regarding the account on my credit report, and was sent documentation verifying the account was a XXXX balance, and closed since XXXX 2016 by having been sold to XXXX. I had opened the XXXX account right before leaving to serve my mission for my grandmother to always have money for groceries and food ; the information on the account was stolen or changed as well - including my name and the address I had on the account. The initial dispute and investigation returned no changes and the account information was not updated, including the high balance and the open status. XXXX provided me with the information that was sent to each of the credit reporting agencies in XXXX and XXXX - clearly indicating that the account was sold and had a XXXX balance, and verified that it was never requested by TransUnion as part of the dispute. TransUnion did not properly request, update or use the information. My grandmother indicated she never used the account ; I have tried multiple times to obtain the statements from XXXX and XXXX to see where the balances came from and what they were - but since the accounts are both XXXX balance and now closed, it is n't vital. What is vital is an investigation into TransUnion 's dispute practices to discover why the initial dispute in XXXX did not result in the correct changes - updating the XXXX account from open to closed and the high balance to 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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. Bankruptcy Chapter XXXX 2. XXXX XXXX XXXX Late Over 120 Days 3. XXXX XXXX XXXX Collection 4. XXXX XXXX XXXX XXXX Collection 5. XXXX XXXX XXXX Collection 6. XXXX XXXX XXXX Collection XXXX Inquiries : Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XX/XX/XXXX Personal Services Not Medical XXXX XX/XX/XXXX Banking. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 2017-03-29 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:
I 've initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. XXXX keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing us today.

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