vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If XXXX can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number 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 non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
On XX/XX/XXXX, I pulled a copy of my credit report from TransUnion. There was an account for XXXX / XXXX contained therein. On XX/XX/XXXX, I wrote to TransUnion disputing said alleged account and asked for validation. 

TransUnion failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to TransUnion requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has TransUnion marked my credit report as being " disputed '' ; although, TransUnion continues to report said item.

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 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Liberty Holdings, LLC
State: CO

Complaint narrative:
I received a judgement of a garnishment that I am not aware of what for. I was not notified of a lawsuit and do not recognize this company 's right to sue me at this time. I need evidence stating what the lawsuit entailed and the original debt that they are claiming.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Bronstein & Weiss Arbitration
State: FL

Complaint narrative:
not sure what the debt is for have n't talked to any XXXX someone named XXXX XXXX is calling my cell phone and family members threatening me and my family members that a citation will be issued and served. he states I can stop the process if I pay restitution. the company he says he is calling from is wise law offices? 
but when return phone calls it goes to a answer machine ph # he leaves is XXXX ex XXXX calls from XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MI

Complaint narrative:
I attempted to apply for a lower payment plan. When I submitted all of the paperwork required, my payment increased. When I complained to someone that I could not afford the prior payment, let alone the one that they were requiring me now to pay, they stated there was nothing they could do. I have now been deferring my loans for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nudelman, Klemm & Golub, P.C.
State: NJ

Complaint narrative:
I am not really sure who to complain about. I was delinquent on 2 XXXX cards. On XX/XX/2014, I came to a settlement, in court, with a law firm Nudelman, Klemm, and Golub. This law frim claimed that they were representing XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX, attempting to collect. I looked at my credit report and saw that both XXXX AND XXXX were listed as companys that I owed. When I contacted XXXX, they told me that they sold my debt to XXXX. Why am I paying Nudelman, Klemm, and Golub? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX? If so, this is fraud.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Silvermine Ventures, LLC
State: NY

Complaint narrative:
I contact a mortgage broker who works for Thoroughbred Mortage. I needed to obtain a mortgage quickly and we discussed my situation and he said he could get it done within the next couple of weeks. He asked me what type of rate I was looking for and I told him XXXX XXXX with XXXX points. he looked at his offerings and said he could do that. We began all the paperwork, went through underwriting and then they suddenly sent me an updated disclosure that suddenly had XXXX of a point for my rate. I called him and asked him what had happened and he told me that he had not locked the rate in and unfortunately that rate was no longer available. Now he has me over a barrel because I need this to close. I think it was deceptive and dishonest. Is there anything I can do?

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Comerica
State: MI

Complaint narrative:
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Pacific Financial Group (Closed)
State: CA

Complaint narrative:
I wish to remain anonymous. Recently, I found out that ththe Loan Officer I am working with does not have aNMLS number. I searched on NMLS Consumer Accessbut her name does not exist on the database. I didfurther investigation and found out that she hascriminal history and was incarcerated because offinancial fraud. I find this very concerning. 
Her name XXXX XXXX and she advertises her company asPacific Financial XXXX XXXX XXXX # XXXX, CA XXXX request that you look into this serious matter andrequire her to obtain NMLS number if she is to workon loans. This is very concerning to us consumers. 
Please feel free to email me XXXXXXXXXXXX. Thank you for yourhelp in advance.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
ERC has continued to contact me regarding a XXXX IPhone that was returned to XXXX when my husband and I decided to combine cell phone plans. We have informed ERC twice about this issue and asked them to verify with XXXX that the phone was returned to them. XXXX has never sent us a statement regarding the cell phone and we are currently XXXX customers now and if we owed a balance then XXXX would have informed us before service could be established. My husband contacted ERC on my behalf to obtain dispute information on XX/XX/2017 at XXXX. He spoke with XXXX who refused to provide her employer identification number for a reference and also failed to provide any dispute information also.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Ma'am, I mailed in a Multiple Inquiry Removal Letter on XXXX 2017 by certified mail in order to dispute information in regards to XXXX hard inquiries that were being reported on my TransUnion credit report. They received the letter at XXXX on XXXX 2017 and they completed the request on XXXX, 2017 ( 2 days ). 

The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a record of companies that obtained your credit information '' etc .... " If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. My wife and I plan to purchasing a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
I have included ALL supporting documentation.

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 2015-08-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I made a trade for virtual currency in the ammount of {$90.00} XXXX from my XXXX ) to XXXX XXXX XXXX I received confirmation emails from XXXX parties telling me that my funds had been successfully sent from XXXX and received XXXX. Within less than XXXX hours I found several rewiews about XXXX warning people that this site was a SCAM! I imediately contacted Skrill and explained to them the situation. I received an email confirmation that they had received my inquiry and would take care of it as soon as possible. I also contacted XXXX several times and received NO respose. 

It has now been XXXX week and I have heard NOTHING else from XXXX or XXXX. I sent a follow up email to XXXX today XXXX XXXX XXXX, 2015 ) in regard to to same inquiry. 

What can be done about the {$90.00} XXXX that have lost? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
This account does not belong to me. Have made several attempts to have this removed. At the time of debt I was underage to have even entered into contract. I was told that I was XXXX and could give verbal consent for someone to open a account in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Facts : 1. I had a Wells Fargo bank account, and it was closed it in XX/XX/XXXX. 
2. When I closed the account, I was affirmed that I did not own the bank anything and I was free to go. 
3. On XX/XX/XXXX I received a letter from a third party debt collection company. The company has my SSN, address, phone number and everything else. The company claimed that I own the bank about {$120.00}. 
4. When I called Wells Fargo on XX/XX/XXXX to double check everything, their banks transferred me from department A to department B, and then to department C. And department C tried to transfer me back to department B. And finally they told me I had to go to a local branch. 

My complaints : 1. I am wondering if it 's legal for Wells Fargo to share my private information with another company? 
2. Why did Wells Fargo wait for 2 years to notice me? How possible did they tell me free to go and close my account, and then found out I actually own them some fees and overdraft? 
3. I am not satisfied with their customer service of transferring me back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Trans Union credit Report has too many inquiries in my report. So of them stems from the same company and has the same time.. Trans Union and their Customer Service Representative would not help and take care of the negative inquiries reporting to my credit report I want these inquiries to be delete from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
I received a bill from Nationwide Recovery Systems out of XXXX, TX around XX/XX/XXXX, Stating I owed XXXX XXXX money in the amount of XXXX the woman I spoke to at Nationwide Recovery was more than nice, the trouble I am having is from XXXX . after speaking to nationwide recovery I was given the account number accociated with my name, My name is nowhere in their system, is what I was told multiple times everytime I asked for a supervisor they were " out to lunch ''. After calling lincare 3 times I finally got to talk to a supervisor who informed me the account number that was sent to the debt collector was from the year XX/XX/XXXX, I was XXXX years old year in the year XX/XX/XXXX. I 'm trying to purchase a home and do not need this on my credit score. Ive explained this to lincare multiple times but they are n't getting anything done. Its been almost 4 weeks that I have been stressed out about this and I need it resolved asap, I have stayed in touch with nationwide recovery and they have been great. I need to have this resolved, this is a 17 year old account. I was informed yesterday after attempting to contact the supervisor for lincare 6 times since last Friday that someone was looking into the archives to find the file, if it is in the archives how could it be sent to a debt collector on XX/XX/XXXX? I would appreciate it if you could help me resolve this matter quickly, I did n't want to leave a bad review but this is my credit their affecting not theirs. thanks for the help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
On XX/XX/2017I sent money to XXXX.Western Union.didnot delivered my money as I was promised.when I called WU they hung up on me.then somebody called me about an hour later I complained to him and asked him what the problem and what is the holed up.He said he will call me back in ten minutes.no body called. On Thursday XX/XX/XXXX.I called WU to inquire about hold up, they asked for my ID and someone will call me in about three hours.no body called.this is not the 1time.this the XXXX time I get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Liberty Holdings, LLC
State: CO

Complaint narrative:
Liberty Aquisitions in XXXX XXXX somehow sent a court order to my employer to garnish my wages. Says debtor is XXXX XXXX and XXXX XXXX, Last known address is XXXX XXXX. Judgment entered XXXX XXXX XXXX. My name is XXXX XXXX but there are probably XXXX XXXX XXXX 's in the country. I do n't know who XXXX XXXX is, I have never lived in XXXXXXXX, I moved to XXXX XXXX from XXXX in XXXX XXXX, not XXXX. This is Crazy. How can they garnish my wages because I have the same name?? I called and they said my social does not show up anywhere. I have nothing on my credit report. Have n't been sued, have n't been notified, just a court ordered garnishment. Do n't know what to do. Ca n't believe collection agencies can do this to anyone. it 's just crazy.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian make wrong record in my report, I have disputed them, but they dont give me proper investigation XXXX - # XXXX : XXXX XXXX mistakenly taken me out of the deferment and reported me as XXXX late for over 121 days.

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 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My legal name is different than my AKA name and i am having issues connecting with the credit reporting companies to make the correction. All my credit is in the AKA name and i need Transunion, XXXX and XXXX to make corrections to my name and address

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Transunion ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX/XXXX ; XXXX/XXXX Also FALSE INQUIRIES should be Removed as well. Here are the following inquiries : XXXX/XXXX ; XXXX/XXXX ; XXXX XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to It that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!

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 2017-03-29 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. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? No clue even after calling their fraud department. 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 me and my husband 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
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In regards to Case number:XXXX Please remove the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation