vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This credit reporting bureau is reporting incorrect information under a Capital One credit card that was closed many years ago ( opened in XX/XX/XXXX ). This is old credit card is still displayed on my credit file showing XXXX 30 day late payments. XXXX late is displayed in XX/XX/XXXX and the other is displayed in XX/XX/XXXX. I wrote a letter asking Transunion to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late 's old, not verifiable and no longer on record and that the credit bureaus will remove the accounts completely. But they have yet to do this. I am suffering financially because of these false reporting and this falsely delinquent account.

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 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion is refusing to work and operate as a neutral party. They have not demanded the debtor to provide accurate information of debts. Debt collectors are basically making statements with no proof. The account I am complaining of states closed and paid by collateral of the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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:
U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXX, GA XXXXTrans UnionXXXXXXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am trying to get a report for/ my indemnity thief report. I need for the police report and the district attorney office. I have been out of the county from XX/XX/XXXX to XX/XX/XXXX. I have given the company everything they asked for. I still ca n't get a report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX ( approximate ) I called Ally to request a change of date for my car payment. This was granted, they requested I pay an initial {$38.00} asap. ( letter dated XX/XX/XXXX ) Pmt posted before XX/XX/XXXX. Second letter instructed : Account Details Upon Finalizing the Extension-Including the scheduled payment originally due XX/XX/XXXX and all scheduled payments originally due on a monthly basis thereafter, all remaining scheduledpayments have been extended by '10 days. As a result, a scheduled payment of {$380.00} will be due XX/XX/XXXX and the remaining scheduled payments of {$380.00} each will be due on a monthly basis beginning XX/XX/XXXX. XXXX scheduled payments will be extended. The amount extended is equal to $ XXXXXXXXTo finalize vour extension. vou must pay the MINIMUM AMOUNT REQUIRED TO FINALIZE YOUR EXTENSION. As stated above this was completed. I have XXXX letters with these instructions, which I followed precisely. 

XX/XX/XXXX paid {$38.00} per letter dated XX/XX/XXXX must pay min payment to finalize your extension. New due date XX/XX/XXXX with amount due {$340.00} ( paid {$38.00} on XXXX ) and {$340.00} on XXXX paid 9 days late ( from XXXX ) = {$380.00} FOR XX/XX/XXXX PAYMENT = CURRENT and UP TO DATE. 

Per Ally Website payment historyXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtAll payment are accounted for according to Thier website. 
I called several times to dispute error. They refused to correct. I disputed with Experian they refused to correct after XXXX disputes. 

please help to correct this error it is effecting my credit and ability to refinance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I have addresses listed on my Trans Union Credit Report I have never resided at. The following addresses do n't belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN 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 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE NOTE : THIS IS NOT A DUPLICATE COMPLAINT****** Per Trans Union explanation of closure to remove/delete XXXX original Creditor XXXX XXXX this was included in this complaint and part of resolution this account was removed. I called Trans Union and talked to supervisor XXXX XXXX which informed me the XXXX XXXX XXXX was still on my credit report and not XXXX. This confusion which the supervisor XXXX XXXX refused to understand this is the same account and told me that I must follow the same again procedure of filing a dispute or contact the in creditor in writing to get XXXX for XXXX XXXX XXXX for XXXX to delete this dispute. I repeatedly gave XXXX XXXX XXXX the CFPB case number XXXX and tried to explain that XXXX XXXX XXXX XXXX was the same account on my complaint with CFPB. Sadly, to say XXXX XXXX XXXX still did not understand, yet assisted I follow his procedure by writing to creditor and filing another dispute. Supervisor XXXX XXXX XXXX ignore and refused to investigate my CFPB case ( XXXX ) where this matter could have simply resolved. However, supervisor XXXX XXXX XXXX admit that he is aware of the CFPB complaint, but took no action to investigate my complaint. Therefore, Trans Union did not honor their response to resolve this dispute. I would like for Higher Management to investigate this matter and please remove this error from my credit report and send hard copy of my credit report with the correction. 
Please see attachment Trans Union docx. ( XXXX ) Thank You 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 non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I see that TransUnion is reporting wrong information on my credit report. It has to do with a XXXX line of credit.

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 2015-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I completed my tax return using XXXX online service. On the last page, there 's an inquiry as to how I 'd like to receive my funds. It also advertised a quicker way to receive my funds by receiving it on a debit prepaid card, PayPower. This prepaid visa card is powered XXXX. I went with this option. 

The XXXX deposited {$9.00}, XXXX into my account with these people and I have yet to receive my funds. PayPower claims that they 've returned the money to the XXXX. The XXXX confirmed that XXXX received the funds on my behalf and has cashed it. PayPower confirmed receipt of said funds ; however, they continue to claim that they 've returned the funds to the XXXX, which is not true. 

I 'm working with XXXX XXXX, a XXXX XXXX Advocate who can confirm that the XXXX has not received the funds. She can be reached at : XXXXPayPower can be reached at : XXXX can be reached at : XXXX 've been getting the " run-around '' since XXXX XXXX, 2015. The XXXX deposited the funds on XXXX XXXX, 2015. 

PayPower was not satisfied with all my attempts to prove my identity. They claimed that they returned the money to the XXXX on XXXX XXXX, 2015. 

Since then, it 's been a back and forth and no real answers. 
I 've been evicted from my home. I was homeless with my children. This has devastated my life in ways I did n't think possible. 

I believe I am a victim of fraud. Please look into this and help me recover my due funds. 

Thanks a million.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I am XXXX years old, in the last 5 years I have had XXXX. I have XXXX, the list goes on. I recently applied with BSI Financial for a modification review and they just informed me that the investor said they are unable to help because not enough time to review my modification package. I informed the agent of my health issues and how it took me some time to get my documents together and they did not care. The agent at BSI informed me that they are not giving me any options to foreclosure. I begged and pleaded with them and my cries went unanswered, I know my day is coming I just want to die in the comfort of my own house. In a few months I would qualify for a reverse mortgage if I do n't die before then. Please do n't let this bank and heartless investor kick me out to the streets to die alone homeless. I simply ask that they postpone and review the package that I sent in to them. They did not even bother to ask me about my financial situation or anything, they are violating my CA Homeowners Bill of Rights. Please do not let them violate CA laws and further slap in the face with the way they are discriminating against me for my XXXX and Age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
BSI Financial was the servicier of my loan after XXXX XXXX XXXX sold it tothem in XX/XX/XXXX, when I first spoke with my negotiator I told her I wanted to keep my home and since it was in default at that time, she told me it was not an option and I needed to sell my home, I was never given a chance to save my home from BSI. They would allow me to sell it but not keep it, I put on market but could not sale, they also referred agents but could not sale, but they would not even take my financial information would not send me a workout packet only told me to sale. I got a new negotiator and we would email each other, I have an email in which I ask him why was I not given an opportunity to save my home he just said it was unfortunate. I still have that email. My husband bought this home in XX/XX/XXXX and passed away in XX/XX/XXXX, my namw was not on the loan but I was left with power of attorney he signed in XX/XX/XXXX, I sent that to bank along with his death certificate and was told they would allow me to sell but no workout was given. My home has now gone to sale as of XX/XX/XXXX and went back to bank, they sent out a relocation manager asking me when would I be moving out. As of yet there has not been a unlawful detainer filed but I am sure once they are aware of this complaint they will rush and do it. I just wanted an opportunity to keep my home and I was not given that chance, I have all emails from the negotiator and I. They could never answer my question and that was if you will allow me to sale it why would you not allow me to keep it all i wanted was a chance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
i took a loan out from XXXX. i became unemployed we agreed to make XXXX installments bi-weekly. they than came back and offered me a XXXX installment with deferred until XXXX/XXXX/2015. i agreed but could not open the file to e-sign. i sent an email agreeing to the terms. and they took my XXXX but loan.me said because i did not sign they were going to take another XXXX out of my checking account. i ran down to the bank closed my accounts and reopened. this was a verbal agreement which was followed up by an email agreement. this agreement became binding at the point they took my 300.00 dollars. 

they constantly call me even after i have asked them not to. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
My loan was sold from XXXX to BSI mortgage and they have added {$10000.00} in fees to my account and will not remove them. I have sold my home and it is closing XXXX/XXXX/15 I need help to make them reduce the fees and follow the loan contract I have in force. XXXX XXXX XXXX or XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I have just received notice today from our payroll dept. that Nelson and Kennard filed a lawsuit against me and have won a judgement against me to garnish my wages. I am going thru a divorce and have half my GROSS wages withheld for CURRENT child/spousal support. How can I stop this? When was the hearing????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: 21ST MORTGAGE CORP.
State: KY

Complaint narrative:
I filed a application with the former manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Communities for a simple mobile home loan. My daughter and I receive monthly Social Security XXXX Income for multiple XXXX conditions we have. I put a down payment for {$4200.00} dollars for the mobile home and was approved on XXXX XXXX, 2014. The former manager XXXX XXXX, put my daughter and I in a rental home and said it would take a couple weeks to get our home ready. She told me that she did it for people who were approved for a home loan. I decided to move everything in a storage unit so I did n't have to move everything XXXX. Two weeks later I found out that she was no longer working here. In XX/XX/XXXX I met the new manager XXXX XXXX and found out that my money was stolen that the police were able to get back. She also stole from other residents and the company. The company knew she was a XXXX when they hired her. XXXX the second manager tried to help get me and my daughter in our home but quit XX/XX/XXXX. The gas appliances were changed out to electric without asking my permission to do so along with other issues that has happened. There is a XXXX manager here now and things have gotten worse. My daughter and I are still living in the rental home that we were put in almost a year ago. Now they are trying to evict us. I went to court this morning with the attorney that is representing current and former residents that have filed a lawsuit against XXXX, XXXX for same issues. There attorney for XXXX, XXXX called my lawyer last night and dropped the eviction against me. I want my money back and start living a normal life again and forget this bad nightmare that I have been through the past year. Theses crooks use their money to destroy other peoples lifes and need to be stopped and put out of business. I do n't know where I go from here but I refuse to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I currently am behind in my mortgage payments and have submitted an application to be considered for a loan modification. I have provided all documents requested to be considered for assistance but I have a foreclosure sale scheduled on XXXX/XXXX/15. My mortgage company is saying they dont have enough time to complete the review and that my home will go to sale. I need help getting this sale date postponed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: GA

Complaint narrative:
The Collection agency sent me a notice they were collecting on behalf of a creditor, I responded within 30 days with the request to validate the debt. The Collection agency never responded in violation of the fair credit reporting act, and continued on a monthly basis to send me Billings. I requested that validation of the debt three more times in the past year and the company has never responded. They accessed my credit report through the XXXX bureaus and additionally they placed a collection notice on my credit in spite of the fact that they never responded and validated the debt. At this time I have filed a civil action against the collection Agency for violation of the fair credit reporting act for accessing my credit without permissible purpose and also for placing invalidated information on my credit bureau report which has caused my score to drop substantially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate an alleged debt:XXXX Signed credit application between myself and the original creditorXXXX. Copies of all signed vouchers from the date account opened until defaultXXXX. Copies of all statements from the date account opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreement that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contract Franklin Collection Service, Inc.purchased the alleged debtXXXX. If the alleged debt was purchased, provide a copy of an agreement between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtXXXX.Provide proof that Franklin Collection Service XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claim is now considered invalid and all collection efforts must be stopped and the account must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claim, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debt must be removed from their account immediately, and it also must be removed from all credit reporting agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: VA

Complaint narrative:
I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. 
and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. 
MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation