vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-19 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Elite Student Solutions
State: TX

Complaint narrative:
I was making payments to this company in relations to my student debt and I had found out that this company I had been paying has not been putting it into my loans. 
I got a call from XXXX, my primary student loan provider, and it came to my attention that there was no payments being made to my loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I signed up for transunion and XXXX credit monitoring services. I disputed all negative items on my report and many were updated and removed. I also had bankruptcy from 2008 fall of my report during my membership. All of these positive changes in my credit file had me elated. However, my score on all my reports nevertheless decreased. In XXXX case over XXXX points. I am not sure if this is a marketing scheme to keep customer enrolled in membership programs to improve their scores. However, it seem quite suspicious that negative items can be removed from a report and a credit score can significantly drop. These agencies are up to something designed to sell their credit monitoring products and keep customer enrolled after purchase. 

thank youXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have written the credit reporting agenecies Transunion and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX MANAGEMENT that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX XXXX and Transunion ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCS Financial, Inc.
State: WA

Complaint narrative:
DCS Financial placed a garnishment on my personal banking account without notification in the amount of {$180.00} and resulting in additional fees in the amount of {$120.00} closing out my account. Washington State law states that this amount should not be removed if under {$500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They have an XXXX account on my credit report that is more than 10 years old. the account was opened in 2006. i have sent a request to delete more than 4 times and also sent a copy of the payoff letter. they continue to claim it as a charge off but it should have been deleted 2 years ago.

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 2015-07-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Delbert Services
State: NJ

Complaint narrative:
westersky gave the loan to cashcall with gave the loan to delbert servicei have been get threateding phone call XXXX that is calling from XXXX group ( XXXX ) XXXX say that i need to contact or my lawery because some serious allegations was filed. she has been call me employment and cell phone and know they started to call me husband. they told me husband that this call on the behalf of delbert service. and left him the same message. this lady has called for XXXX weeks straight. know i am getting threating calls for a XXXX states a file was giving to her and that i need to contact there office and that is is only notify me and that i have till XXXX XXXX and that XXXX XXXX XXXX bewteen XXXX and XXXX they are going to me place of employement or home. and top take that i been served

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
WHAT IS THE XXXX LAW THAT SAYS XXXX CAN CONTINUE TO ADD MONEYS TO A CLOSED ACCT.? IT STARTED AT $ XXXX I OWED, REFUSED TO PAY BECAUSE THEY SOLD ME A DEFECTIVE COMFORTER, THEN ACCT. WAS CLOSED, MY CREDIT REPORT THEN HAS $ XXXX NOT PAID, THEN WENT TO $ XXXX NOT PAID, NOW IT 'S $ XXXX WHEN DOES THIS XXXX STOP? WHEN DOES XXXX GET REPRIMANDED, FOR THE LIES, UNTRUTH OF AMOUNTS ON MY CREDIT REPORT? I AM NOT PAYING WHAT I DO NOT OWE!! XXXX/XXXX/16 NEXT WEEK IT WILL BE EVEN HIGHER OF WHAT THEY ARE TRYING TO RIP-ME OFF FOR!!!!!!!!!!!!!!!!!!!!

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 2015-09-18 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:
I originally submitted a request online at www.transunion.com to dispute a collection account on my credit report by XXXX XXXX, XXXX : XXXX XXXX. I was made aware of this collection account by a voice message left by XXXX XXXX in regards to collecting the debt. I contacted them by phone & informed them that I have never had an account with XXXX and that I never authorized anyone else to open an account in my name. I notified them that I was a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. This debt is not mine. I was never informed of my rights as a victim of identity theft. Instead I was told that since this was a fraudulent account, he did n't expect for me to pay the full {$860.00} and that he could go as low as {$350.00}. I was informed that XXXX XXXX buys XXXX & XXXX of these accounts & that they buy these papers to make money. They told me that if I dispute this with Tranunion, Transunion would send the dispute to them & ask if they will remove it from my credit & that they will say " no '' because they want the money. This is exactly what happened & Transunion closed my dispute stating it was verified. I do n't understand how Transunion claims to verify disputes by sending them to the collection agency & allowing the collection agency to have the final say. XXXX XXXX does not have any info regarding this debt except for my name using my Maiden name as the last name and my SS #. Also, per XXXX XXXX, this account was opened in XX/XX/XXXX. I 'm not sure how they were able to add this to my credit report with the Account Opening Date of XXXX. XXXX XXXX has called me a few more times still trying to collect the debt. They were also using scare tactics stating that they were going to submit this debt to the other XXXX credit reporting agencies even though they are aware that this is a fraudulent debt/account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I LEGALLY resumed my maiden last name on XX/XX/2014, since then I notified all my creditors to change my last name from XXXX to XXXX, I have the deed ' for my house changed, my vehicles, US passport, ALL documents and creditors have been changed including XXXX and XXXX. Well the issue is against Trans Union, they have told me over and over that they can not change my primary last name to XXXX because they claimed that my creditors are reporting me under the old last name. I have confronted ALL my creditors 3 times, and none of them are reporting me with the old last name. 
All I want is for Trans Union to report my legal name correctly, it is impossible to deal with them ... .How come XXXX and XXXX do not have the same issue? 
I find it illegal that Trans Union will not speak to me unless I give them my old last name. 
I need this rectify 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 2016-11-26 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:
Unable to get a credit score or report because all of the ph # they day are associated with me are not, asks my mthly auto payment from purchase in XXXX & I 've never bought a car, asks about mortar from XXXX and I 've never bought a house or had a mortage, no score and no report and all associated cities and numbers are not associated with me whatsoever.

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 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following delinquencies was reported which decreased my XXXX score. This debt was ordered to be the sole responsibility of my Ex husband by a court majesty. However, I am constantly receiving calls and it continues to be entered against my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I can not get transunion to properly investigate and remove inaccurate information on my credit report.

Company public response: Company 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: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am a victim of what is being called Synthetic Fraud ; where the perpetrator uses my Name and DOB but another SSN. These items are blended into my report and reporting on me. I 've been disputing this for over 3 years with Transunion and they finally were at the final phases of completing with the disputes until they ran Maintenance, which was to eliminate all the accounts with the different SSN but they added all the accounts that had been removed over the years with the dispute process. I 've called on several occasions to the Fraud department and they 're very rude and not helpful. They essentially want to start the dispute process over again rather than blocking these accounts from my credit profile. I am days away from a mortgage and because of their actions on XXXX/XXXX/2015 ; I am in jeopardy of being homeless next Wednesday XXXX/XXXX/2015 if these items are n't removed. I 've provided a police report, a copy of my SSN Card and I 'm still receiving no urgency to remove these items. This complaint is my last resort to force their hand to actually handle this situation manually and remove these items from my report. I 've verbally spoken to each of the creditors in question and provided documentation and validated these accounts are not mine but they move on their own timeline. Time is of the essence and I do n't feel I should be penalized for being a victim in this scenario. Pleas help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to get a credit report on-line and went directly to the web site of Transunion, thinking I was asking for my once a year free report. I was filling out a form when it disappeared and I thought an error had occurred and I would try again another time, or that I 'd receive my credit report in the mail. ( I did not realize this was an on-line report. ) I did NOT receive ANYTHING from Transunion - no credit report, no confirmation of any 'service, ' and no confirmation of any charges. Upon receiving my credit card bill, a {$1.00} charge ( on XXXX/XXXX/16 ) and a {$19.00} charge ( on XXXX/XXXX/16 ) showed up. When I called Transunion to ask about these charges, the C S Rep informed me I had signed up for a credit monitoring service and the {$1.00} was for the sign up, and the {$19.00} was an on-going monthly charge. I asked why I would do that since I knew I could get one report a year, free, from each of the XXXX agencies. I informed her that I had received no confirmation of signing up for any service, nor had I received confirmation of any charges to me. She said she could cancel the monthly service, but that she could n't refund the charges already made. She also told me I should have gone to XXXX for my free report, but I told her I did n't know that. I told her I would deny the charges, but then decided I should also file a report to explain what happened. I 'm XXXX years young - I certainly do n't need my credit monitored at my age!

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 monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
We began working with Quicken Loans on XX/XX/2016 on an offer to refinance our home with cash out, with an interest rate of 3.75 %. We paid a {$500.00} initial deposit to Quicken Loans on XX/XX/2016, based on the advice of the lending XXXX that we could receive a refund through the point of getting an appraisal. A conservative estimate of the home value used for the offer was {$240000.00}. Quicken Loans used their sister company XXXX to obtain an appraisal by XXXX of XXXX. The appraisal came back on XX/XX/XXXX with a home value of {$230000.00}. The loan offer went from {$190000.00} to {$180000.00}. The XXXX changed. We raised concerns about the significant errors in the appraisal. A revised appraisal was issued on XX/XX/XXXX correcting some of the errors but not all of them and not changing the appraised value of {$230000.00}. We continued to have conversations with XXXX XXXX representatives to request proper corrections to the appraisal. We submitted documentation of our concerns. The appraisal was revised again on XX/XX/XXXX, but again not accounting for all of the previous errors and not changing the appraised value of {$230000.00}. We requested a full refund of the {$500.00} for the appraisal or that Quicken Loans obtain another appraisal at its expense. Quicken Loans has refused both of our requests, and urged us to move forward with financing based on the {$230000.00} appraisal. We declined. Not only is Quicken Loans refusing to return our deposit, but we have now lost the opportunity for a lower interest rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I filed a lawsuit against Nationstar Mortgage , LLC, hereinafter referred to as Nationstar, my servicer, and my original lender for various causes of action. I have been fighting them for at least the past three years but more so this past year. My fight has gone on deaths ' ears with the California Judges and they keep dismissing my case for reasons they go against the actual laws, more specifically California Homeowners Bill of Rights. Presently, I have a Motion for Reconsideration that is scheduled for XXXX XXXX, 2015. The new facts that I have presented in my Motion for Reconsideration involves a Notice of Rescission. On XXXX XXXX, 2015, I sent a Notice of XXXX to Nationstar. They received the Notice of Rescission on XXXX XXXX, 2015. Under the Federal Truth In Lending Act, my debt obligation, the promissory note and the deed of trust were canceled immediately, by operation of law. Under the statute, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Also under the Act, Nationstar had 20 days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Nationstar is now in violation of the law, and they are blatantly disregarding my loan rescission rights. I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Thursday, XXXX XXXX, 2015 and that they forward me a release and a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Nationstar continues to ignore the law and that they are in violation of a Federal Act. Their actions are unacceptable. I request the CFPB take some kind of disciplinary action against Nationstar for their blatant disregard for the law. I am hoping with your interaction, Nationstar will choose to abide by the Act and take the necessary steps that is required of them by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I would like to make a complaint about Nationstar mortgage. They purchased my mortgage from Nationwide mortgage in XXXX 2011 and immediately claimed that I was not making my payments. I never missed a payment. They claimed this until the end of 2011, even though I made every payment that year through electronic transfer. My lawyer told them that we could prove payment, but they did not was to hear it. They started the foreclosure process in XXXX 2011. My lawyer worked with the mortgage company directly and even worked out a short sale with them until they got a lawyer involved who told us that no short sale will be allowed and my lawyer had to stop all contact with Nationstar directly. For the next 2.5 years we tried to get this situation resolved but to no avail. The lawyer did not care about the proof of payment and kept telling my lawyer he never received the proof even though it was sent to him multiple times in several different ways ( the same happened with Nationstar when we send them documentation showing proof of payment ). Our lawyer then told us to try to get a government refi loan and claim bankruptcy, so we did. We filed all the paperwork for the new mortgage, had a specialist help us fill out all the paperwork ( he even told us that we should be approved ), but Nationstar denied the loan application saying that it was n't applicable for this situation. We even told them once again about never missing a payment and that this whole situations was started because of a mistake on their end, but they denied any claims we made ( even with the proof ). Now we are going to lose our home due to nothing we have done wrong, my lawyer has washed his hands of the situation saying that he ca n't work with this company, that they are the worst company he has ever had to work with. So please help us, we really do not know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
1.5 years into my home loan modification, never late on a payment, Nationstar Mortgage is threatening to reverse the modification and take me to court if I do not sign new documents. They said they had to modify the documents as they made an error and ca n't file it XXXX

Company response to consumer: Closed with explanation