vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
***This is not a duplicate***This case is pertaining the harm NationStar has caused by not securing my account as requested, Yet the lack of support to clear the harm that they allowed by a lack of security on my account. 

I have provided evidence ( which were provided to me by NationStar ) that there were fraud activities caused on this account, yet NationStar response with a generic response that they performed an " investigation '' and that the fraud activities on this account did not accord. They provided the evidence on the XXXX documents that they provided. There are also other evidence, but NationStar refuses to provide those documents to me. Yet, NationStar refuses to clear the harm by removing the negative delinquents remarks on my credit file caused out of fraud activities. It is repetitive their routine of doing an investigation and providing the same responses without looking into their investigation. Yet the damages are still not cleared. 

This has caused harm to me. 

Attached are : -A forfeit letter written by my tenant XXXX XXXX XXXX The number on this letter is XXXX XXXX 's cell phone number and it was faxed from her job. This letter was not written by me nor did I grant authorization to my account to no one. Someone pretending to be me, writing a letter as if she was me is Identity Theft and considered as Fraud. This document was given to me by NationStar and it 's on their archives. 
- A loan modification. This was done by XXXX XXXX as well by contacting the " Making Home Affordable '' department at NationStar. This was done with NationStar lack of security which allowed someone other than me to make a modification to my loan. If you reference page XXXX, This was fax by XXXX XXXX from her place of work. Again, forfeiting my signature and pretending to be me is Fraud. This document was also given to me by NationStar and it 's on their archives. 
-Federal Trade Commission Identity Theft-XXXX County Police Department reportDue to a lack of security, NationStar allowed someone to gain authorization and compromise my account and cause harm to me and my credit. She was able to change my contact information to her contact information and then go delinquent on the account. 

This was done without my awareness or consent, and it 's now causing harm to me and my credit. Fraud Activities were caused on my account and I need the harm caused removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Pacific Union Financial, LLC
State: MN

Complaint narrative:
We have been trying to get a mortgage loan closed since XXXX. We applied and were approoved bavk then. The problem is the mortgage company wo n't close the loan. They keep asking for the same info over and over again only to wait too long to close so we have to do it again. The mortgage brokers are XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. The bank is Pacific Union Financial XXXX XXXX XXXX We have resubmitted all the required info several times. A month back I reported them to the XXXX and that seemed to help, but then this week they promissed to close yesterday ( tuesday ) but did n't so now we have to resubmit everything again and wait for another closing day. I 've lost a lot of revenue from my job because I 've had to miss work so many days waiting to close only to not get it done. As I said, this has been going on since XXXX and it is my understanding that it should only take XXXX4 weeks.

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 2016-03-04 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:
I purchased a home in XXXX XXXX, XXXX ; and at that time I had a score of XXXX ; since closing on my home I have had multiple request for my report pulled without my permission. I notified the credit agencies to put a hold on my accounts and to delete all the inquiries on my file. XXXX ; put a freeze on my file and an alert and said they would notified the other XXXX companies to do the same. However, neither of the agencies are taking the effort to remove all the unauthorized inquiries on my credit file. The only response I get is that they will remain on there for 2 years. 
From the time of the close on my home to XXXX XXXX to XXXX XXXX I had a total of XXXX inquiries on my credit file ; that is unheard of and my credit score dropped to now XXXX i am now seeking you help with getting these agencies to remove all inquires from my file from the time of XXXX XXXX, XXXX to 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 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans-union has not made any attempt to update my credit report ( which was in doubt ONLY because the hospital had the wrong address for my daughter ). I first filed a dispute on XXXX XXXX when the debt was cleared. They refuse to acknowledge the initial dispute and are causing financial harm to my family by inattention to basic service of credit reporting. Then they try to sell me products at every turn. Shamefull

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 2016-09-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Discovery Systems, LLC
State: CO

Complaint narrative:
First, the debt collector alluded to the fact he was associated with my XXXX loan providers. I turns out, he is freelance. 

Second, he offered a {$75.00} a month payment plan. He wanted me to see if I could get {$2500.00} to pay the whole thing off. If not, I would do the monthly payment. He wanted a little down, so we agreed on {$25.00}, which I paid, and received a receipt for. A week later, the day I was supposed to call him back, they pulled {$710.00} out of my account with out notice and without a receipt. This transaction was never discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have XXXX tax liens on my credit report that do not belong their. I owned a business with employees from XXXX called XXXX in XXXX WI. Upon the end of XX/XX/XXXX I was bought out by the new and current owner XXXX XXXX. XXXX assumed the same name and the business is still called XXXX to this day and is located at the same address. I sent everything in to close any ownership I had with this business. These XXXX liens were put against me in XX/XX/XXXX for back payment of estimated taxes. I was never made aware of this because:1. I never should have gotten them as I was not part of that business anymore2. The notices went to the business address which I was not apart of anymoreOnce I saw these on my record I took immediate action to show proof that the liens were incorrect against me. This was cleared up because it never should have existed. If it should not have existed it should also not exist on my credit report. I am seeing this on my Transunion report under docket number XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
my name is XXXX XXXX I have never lived on XXXX XXXX in ohio my ex husband married a girl that lived there her name is XXXX not me XXXX

Company public response: Company 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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have credit card with XXXXBank and I owe XXXX on it. The online banking offers customers a way to check their credit score by clicking on and signing into to a link to the Transunion Credit Score Check. It is showing I owe {$330.00}. I have attempted to have XXXX Bank remove the charges because the last credit card rep at XXXX Bank, XXXX, whom I spoke with earlier this week, confirmed that I owe XXXX on all my cards. XXXX suggested I go to " XXXXBank Tech Support '' and since then, I have been unable to actually reach a " tech support '' person by phone, I have written to them as well. I have received no response assuring me that they have confirmed the information that I owe nothing and have had no assurance that " tech support '' has done anything on my behalf or is working to have the {$330.00}. bogus balance removed. Please advise.

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 2016-08-23 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 claims as frivolous, yet in CFPB XXXX they have a letter from XXXX dated XXXX/XXXX/2016 where they explain they are sending the account statements because of FEDERAL RESERVE INVESTIGATORY CONTACT ON XXXX/XXXX/2016. 
The evidence of creditor fraud in muliple illegal charges on XXXX ACCOUNT ... ... XXXX WAS NOT RECEIVED BY ME UNTIL AFTER XX/XX/2016.The evidence is legally substantiated by the CFPB and Federal Reserve yet TRANSUNION NOW KNOWINGLY AND WILLFULLY REFUSE TO ACKNOWLEGE THIS MATERIAL WHICH IS NOT FRIVOLOUS TO XXXX, XXXX, THE CFPB, THE FEDERAL RESERVE ... ..ONLY FRIVOLOUS TO TRANSUNION AN UNETHICAL, LAW VIOLATING COMPANY.

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 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Requested to have inquires 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 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime.

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: CA

Complaint narrative:
TransUnion Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX has been sent a notorized fraud affidavit. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX of my credit cards are getting different information from this company. Each credit card company has given me a different XXXX score.

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 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed an inaccurate negative record appearing on my credit report with TransUnion, XXXX, and XXXX. It was reported by XXXX XXXX XXXX. I also filed a complaint against XXXX XXXX XXXX with CFPB. XXXX responded and advised that they had submitted for deletion of the record and provided a reference number - " AUD deletion, control # XXXX '' The record was deleted from all XXXX reports. On yesterday, however, I received a notification that TransUnion had reinserted the exact same negative account 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 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
account 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 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My complaint is with the Emergency Room Hospitals in XXXX Florida. I went to the ER and was admitted, bills were submitted to XXXX and paid. However, a doctor in the ER did not submit his billing until a year later and due to my move, 2 years later ( this week ) it was on my report. XXXX was contacted and they never received the bill. This has happen numerous times and now its on the report. In addition, TransUnion put it on their report XXXX and now I am denied housing. XXXX is going to pay as soon as they contact the hospital. This is unjust to the consumer/patient when you provide the information and all these doctors you have no knowledge of bill years later!!! I was at XXXX XXXX Hospital in XXXX, FL. XXXX XXXX XXXX Hospital also billed separately but I was still located at the same address and was able to resolve it with XXXX. Finally, on the report it states I have another name of XXXX XXXX This is not my name and never have I used this name. I want it removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 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: CA

Complaint narrative:
To Whom It May Concern, It seems the last XXXX times I 've tried to get my free credit report through XXXX from each of the credit reporting agencies ( ie TransUnion, XXXX and XXXX ), they were never able to process my request 'at this time. ' I 've even tried sending on of them ( ca n't remember which XXXX ) a written request and have never heard back from them. The only reason I tried the XXXX time was because of a notice from a medical provider that their patient medical data files had been improperly accessed by an outside hack and that I should contact either of the XXXX credit reporting agencies or subscribe to an ID management company to monitor my and my family 's credit free for 12 months. ( Why not forever since they mishandled my family 's sensitive personal information? ) Why are n't the XXXX credit reporting agencies processing my requests as they should according to the law in this situation? This is very frustrating and the major credit reporting agencies should be more responsive to the law 's requirements and provide consumers their 'free ' credit report with no hassles or hoops to jump through.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ashton & Weinberg, Inc.
State: TX

Complaint narrative:
Rude and agressive man called asking how we plan to pay the {$700.00} Dls that we owe to XXXX XXXX. Relentless even after we explained : We did make a purchase at XXXX XXXX, and paid the entire amount with XXXX XXXX XXXX at the time of purchase. We DO NOT HAVE A XXXX XXXX account. He refused to answer how he got our purchase information. We hang up while he was yelling. Unfortunately do not remember the man 's name, but said he was with Ashton and Weinberger. My phone ID shows this info : Ashton & Weinber, XXXX, XXXX, XXXX XXXX. 
I found on the Web several complains of the same phone number and Ashton & Weinberg using the same rude, aggressive tactics, claiming non exiting debts to harass people, just as the experience that we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX, I had ( XXXX ) medical accounts in the amount of {$47.00}, {$40.00}, & {$330.00}. I called the collection agency and they agreed to settle for {$330.00} which was successfully debited from my checking account on XX/XX/XXXX. After the verbal agreement, I followed up in writing and requested that the collection agency provide there agreement to delete the accounts from my credit report in writing. I never received the letter, but I spoke with XXXX XXXX from the collection agency and was told they would have the accounts removed from my credit report.I called today ( XX/XX/XXXX ) and spoke with XXXX XXXX. He began to yell & scream at me because I asked how much longer is this suppose to take because I was initially told it takes 5-14 days. To date those accounts are still reflected on my credit report. I 've held my end of the contract but, they are taking their time fulfilling our agreement. I feel like I should n't have to be talked down to because I called to inquire about our agreement.

Company response to consumer: Closed
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I paid the debt and submitted a dispute with the credit bureaus. I was told by the collection company that by submitting the dispute, they would have to re-open the debt. The reported the debt unpaid AFTER i paid it. This was XXXX. I reported them to cfpb and they immediately updated my credit file in all three bureaus to paid, this was in XX/XX/XXXX. Today, i checked my XXXX credit report and the balance was again {$310.00}!! This is pure retaliatory. They should be punished

Company response to consumer: Closed with explanation