vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My concerns are the Inquiries that is on my credit report. I am not concern with the bill you see because I taken care of that already. As you can see I sent them a detail report of the Inquiries on my credit report in which I have no clue why they are on my credit report. This is my complaint against TransUnion. In which I wrote to them all asking to remove the inquiries that I did n't not authorize with no one verbally, electronically, or written to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union - Should be removed with bankruptcy discharge XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX REV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast Past Due : XX/XX/XXXX90+ Days : XX/XX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XX/XX/XXXX XXXX REV RevXXXX XX/XX/XXXX C XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX230 Days : XX/XX/XXXX60 Days : XX/XX/XXXX90+ Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is a medical bill that was taken care of XXXX and they ( XXXX ) are charging me again!!! 
It should not be on here. 
ThanksXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Norwich Commercial Group, Inc.
State: CT

Complaint narrative:
I started with Norcom Mortgage when I bought my house & they are either doing bad business or very unorganized. They A ) have sold me back and forth from there XXXX, XXXX branch & their XXXX branch.. & currently sold me to a company. B ) My town taxes are with my monthly mortgage & they did n't pay them till I got a bill from the town so payments were late, that happened XXXX. They didnt pay my home insurance through XXXX which is within the mortgage, & this past yr XXXX sent me info in the mail saying they were not being paid so they dropped me. Come to find out they were paying through XXXX which I havent been with for a while. I think they should be audited..I dont know how many other clients they are messing with their money & credit. Everything has been paid but late, my last straw was them now not transferring over my last payment to new Mortgage Company & getting letters in the mail saying I could be penalized.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX = i disputed the account balance which was {$160.00} as reported and then I challenged it because the actual balance is {$15.00}. I can not understand how the balance went down and the credit utilization from XXXX XXXX to XXXX XXXX. My score dropped XXXX points even though my balance went down. SEE PAGE XXXX OF THE ATTACHMENT.

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 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion credit agency is a FRAUD! I was notified by " XXXX '' ( my XXXX card ) that they were boosting my APR from 9.99 % to 16.99 % based on a credit report from TransUnion ( see copy of XXXX XXXX letter ). A 7 % boost!!! It listed multiple delinquencies. I 've not been delinquent on ANY payments. A XXXX account was closed when a public fiduciary seized my account - not my fault ( and it 's being disputed in court ). I have XXXX credit cards and have made ALL payments without ANY delay or late payment ( for more than 25 years ). 
XXXX listed the TransUnion agency. I went there to find out why my report was incorrect. Their report stated my credit score was higher than I thought and there were NO account delinquencies. NO 'lack of recent installment loan info ( do n't HAVE ANY installment loans ). 
After logging out of the TransUnion site, I discovered I have signed up for their 'service ' and there was a {$1.00} charge ( though the XXXX XXXX letter states it 's a free service ) PLUS I had subscribed ( I DID NOT!!! ) to their 'service ' and would be charged {$17.00} per month - charged to my credit card. 
I am forwarding a copy of past complaints I found doing a XXXX search on this fraudulent 'sham ' of a company. I stopped at XXXX pages. I have no idea how many pages of info followed ; though I 'm sure I only scratched the surface on those I copy/pasted. 
This company should be shut down and people should be going to PRISON!!! This is pure consumer fraud!!! 
I 've cancelled and shredded my credit card so they ca n't 'soak ' me for {$17.00} per month. I 've had to go through a lot of aggravation because of these scammers. I would like to see them exposed and jailed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with ARS 33-1361. Pursuant to ARS 33-1321 XXXX d ), the XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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: CA

Complaint narrative:
I paid Trans Union credit reporting agency to provide me with credit reports and credit scores for all XXXX reporting bureaus, but got a vague report and speculated credit score. I checked my credit score through XXXX website to find a completely different number. When I spoke with a supervisor ( Name XXXX ) he told me they calculate the score for all XXXX companies in their own way and that I agreed to some writing about it. They have the actual XXXX logo on top of the credit score with a different number than XXXX actually reports. This is misadvertisement. I did not receive what they advertise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I contacted TRans Union and did an online dispute because they are reporting that I missed XXXX mortage payments. I have not missed payments, my mortgage payments are LATE. a big difference from missed payments. If I truly missed XXXX payments my house would be foreclosed upon. I contacted them twice and they told me both times they are reporting correctly and the information has been verified by my mortgage company, XXXX. I contacted XXXX and they said they are not reporting it as Missed payments, just late payments. I ca n't get Trans Union to update or correct this. I have attached the email from Transuion showing the results of their investigation or the XXXX time and it still shows XXXX missed paymnts on the mortgage. I attached my most recent XXXX statement.As you can see payments have been made and I am missing on payment for XXXX 2015 which actually is sitting in unapplied funds. Nothing on this shows I am XXXX payments behind as trans union is reporting and wont ' fix.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I received an email from XXXX XXXX on XX/XX/XXXX indicating I have an account in collection. To my surprise, I see that my credit score has dropped over XXXX points for an account in collection for XXXX measly dollars that was apparently opened on XX/XX/XXXX. I have no idea what this company is or what this collection is for. This needs to be removed from my credit report IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I did not file for bankruptcy. I went on to XXXX and got the documents that was filed and it does n't have my name nor does it have my correct address. This is not mine. They keep verifying that this is mine but it 's 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 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My landlord took me to court for non payment of rent and late fees to evict me. I went to court and testified that he refused to fix my cooking stove as the reason why I had not paid the rent. I was ordered by the judge to pay back rent and all late fees assessed. the eviction was withdrawn and all back rent and fees were paid. Eight months later when lease renewal came landlord asked me if I would like to move. I said yes and did so because he was refusing to repair AC. I have discovered that he has submitted to my credit report that he evicted me and I owe him money. which is not so..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I get an account with my credit report who still show open but was paid and supposed to be closed. I want all XXXX credits bureaus to make sure this account show paid in full and closed it 's under a tax lien who was released XXXX, XXXX, 2014.

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 2016-06-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

Under federal law, I could hire an attorney to sue them at no cost to me and ask for {$1000.00} in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
On or around XX/XX/2015, I was notified by mail that XXXX XXXX XXXX was selling my mortgage to Carrington Mortgage Services ( CMS ). Since XX/XX/2015 I have been UNABLE TO MAKE ANY ADDITIONAL PRINCIPAL PAYMENTS TO THIS ACCOUNT. The prior history shows that I have always paid {$800.00} per month for a monthly loan payment of {$760.00}. It may not seem like much but {$36.00} extra each month adds up over the life of a mortgage. 
I have contacted Carrington numerous times with NO RESOLUTION. I pay on time, each month. I do n't think this is legal. When my loan originated, there was a no prepay clause. They assumed the loan, they should be required to HONOR the terms, just as I am expected to pay according to the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Armada Corp.
State: NV

Complaint narrative:
Collection agency in question has failed to respond to debt verification via telephone and written correspondence. Agency has informed me that they will continue to asses fees onto original amount due ; although I have not heard from agency in over one month. Their practices seem to be very predatory ; I would like some form of explanation and clarity and complete removal from my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
Loancare did not respond to my request to remove PMI in a timely manner, thus charging me additional months of PMI. I submitted the request on XX/XX/XXXX and received an automated email with confirmation and that I would receive a response in 10 business days. I did not hear a response and XXXX, I contacted customer service. When I finally got in touch with a representative, she confirmed that the request was pending, our conversation was cut short because the call was disconnected ( she hung up on me ) and I did not receive a call back. Due tot he amount of time it took to get through the automated system and to a person, I could n't spend 30 minutes trying to call back. I assumed that since the agent had confirmed the request was there, it would be removed. On XX/XX/XXXX, I called back and reached an agent who told me that they will not remove PMI until they have 12 months of payment history. This was not disclosed when I opened the loan. I asked to speak to a manager and was told all are busy. I could get a call back in 24-48 hours. The whole operation seems designed to not allow you to talk to anyone. Trying to contact customer service is frustrating - their automated phone system seems designed to make it very difficult to route to an actual representative. If you enter in XXXX invalid options, the system hangs up on 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 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My old complaint number, against Carrington Mortgage Services is XXXX. 
This is a brand-new complaint against Carrington M. S., same Account Number XXXX. 
Item 1. Statement Dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, charging late penalty of {$17.00} plus two months mortgage of {$520.00} each month, total {$1000.00}. 
This amount was paid through XXXX XXXX XXXX on XXXX/XXXX/15. 

Item 2. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15. 
I DO NOT KNOW IF cfpb IS RESPONSIBLE FOR THIS MIRACLE. 
No payment was required for the month of XXXX 2015, and the penalty {$17.00} was used to pay down the principal. 
XXXX XXXX I got sick and was not at home. I asked my daughter to pay {$520.00} on XXXX of each month beginning XX/XX/XXXX. 
Item 3A. Letter dated XXXX/XXXX/2015, stating XXXX/XXXX/2015 payment of {$520.00} was not received and late charge of {$17.00} was assessed. ( This scan at end of list ). 
Item 3. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, for {$520.00} plus {$17.00} plus {$520.00}. Payment of {$520.00} was made on XXXX/XXXX/2015. 
Item 4. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, $ XXXX {$17.00} plus {$520.00} plus {$17.00}, grand total {$1000.00}. 
Item 5. Statement dated XXXX/XXXX/15, for payment due date XXXX/XXXX/15, asking for {$1000.00}. 
It is clear to see that by creating a subterfuge of a " NO PAYMENT MONTH '' a charge of {$17.00} could be imposed " EACH '' month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
They have been calling for 4 years now for someone who does not have this number and has never lived here. I do not know them and I have constantly told them they have the wrong number but they keep calling. They can find out who owns this number and that person has never had this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
So I have had a loan from Infiniti Financial since XXXX XXXX. I have been making my payments through the bill matrix system since that time. There are times when I make the payment using the bill matrix online and the payment does not process all the way through but I get a confirmation number. Usually I have to call back because I notice my Payment does n't post in my bank account. Well this last time in XXXX I made the payment on Friday XXXX XXXX XXXX at XXXX. I figured the payment had n't posted because they do n't process payment on the weekend or on holidays which it was president 's day on Monday. I got a call from them saying my payment did n't post and that I am now 31 days late so they have reported my account Late to the credit bureaus. I should not be reported late to my credit report as it was a system error that occurs quite often when I do it. It is incorrect for them to report me late when it is their system that is causing the issue and I have never been 30 days late on anything ever and they are refusing to remove late When it is their systems fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: HI

Complaint narrative:
For the past 2 day I recieved a phone call at XXXX XXXX and the next day I recieved a call at XXXX XXXX

Company response to consumer: Closed with non-monetary relief