vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I received credit information regarding a background screening results for pre-employment. XXXX Mortgage XXXX has placed on my credit report that I have a XXXX lien mortgage agreement with them. XXXX indicates on my credit report that I opened an account with them on XXXX/XXXX/XXXX. I DID NOT sign a XXXX lien mortgage agreement with them. According to XXXX I have a XXXX lien mortgage that totaled {$90000.00} and I have a balance of {$62000.00} and I owe a past due amount of {$28000.00}. On my credit report XXXX indicates that in the prior 15 months I was 120 days late XXXX times. ( Due the math ). XXXX indicates on my credit report that I signed a XXXX lien mortgage to pay them {$680.00} for 120 months ( 10 yrs ). According to the credit report, I stopped making payments from XXXX XXXX so as a result it looks like I have made regular payments of {$680.00} for the past 12 yrs ( XXXX/XXXX/XXXX ) which totals my payments to XXXX to be {$99000.00}. Which I haveNOT. XXXX reports on my credit report that I stopped making payments as of XXXX XXXX. Since this was my last payment with XXXX I would like to review any payment records and my cancelled checks up to XXXX XXXX. According to XXXX as of XXXX/XXXX/XXXX I am 120 days past due. I had a XXXX lien mortgage with XXXX in XXXX on XXXX address and I had a XXXX lien mortgage with XXXX XXXX in XXXX on another address. XXXX resulted in foreclosures in XXXX and XXXX. In my opinion, I believe XXXX XXXX would not have allowed me to purchase another home in XXXX with a XXXX lien mortgage on my credit report with XXXX. At the time of that XXXX purchase I had a credit score of XXXX. Please investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
When I was XXXX, I had to go on XXXX leave. I called Navient to tell them I had a XXXX and had to go without pay for 20 weeks. They told me they would put my account in forbearance until I could return to work after XX/XX/XXXX. When I called them months later they said my account was past due and I could again, apply for forbearance due to financial hardship and it would show that I was paid up to date. at that time, I set up for automatic withdraw as my sign in on their website never seemed to work. Fast forward a few months, I landed a new job and decided now is the time to buy a house. However, that 's when I found out that Navient reported my account as default on all XXXX small loans for 5 months causing so much damage to my credit that I can no longer buy a home. I wrote them a letter explaining this and they refused to help me. I 've called several times and they refused to help me. They have refused to let me speak to a student loan advocate as well. I also filed a complaint to the Omsbudman that was of no help because they did not seem to understand that I was told one thing and another thing happened. What really upsets me is that I 've never paid on my student loan until XX/XX/XXXX. I always go in forbearance due to the fact that I was a single working mom. When I went in forbearance all those years, my payment history is shown as paid. Again, I never paid on my student loan since I graduated in XX/XX/XXXX until XX/XX/XXXX! And not until this last time did they ruin my credit. I am now making enough money to pay my loans and buy a home for my family. I have no paperwork of these transactions because they do not provide me with any- EVER! It is recorded answers. I wrote a letter of good will practically begging them to investigate and stick to what they told me. They sent me a generic canned letter saying my payments were missed. Nothing was written about what they agreed to do. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to TransUnion and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2017-02-28 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: FL

Complaint narrative:
I became aware someone stole my identity and was opening credit cards I did n't apply for in my name. I called Transunion and placed a fraud alert on my credit file. I then tried to obtain a copy of my credit report from Transunion ( through the " www.annualcreditreport.com '' website ). Transunion has blocked or " masked, '' as they say, my social security number, and will not allow me to access my credit report. After numerous hours on the phone with Transunion phone reps, they acknowledge the problem but Transunion refuses to correct it despite my numerous requests. As I have explained to them, I need to check the credit report to make sure there is no other unauthorized activity. All the Transunion reps have done is transfer me back and forth among three numbers ( XXXX, XXXX, and XXXX ) but none of them have helped me access my credit report or provided a solution to Transunion 's acknowledge problem. I am out of options with Transunion. Maybe the FTC can get them to do something before my credit is ruined? Maybe they 'll listen to the federal government, they sure do n't give a darn about consumers. Thanks for any help you can provide.

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XXXX 2016 all my inquiries was removed from my credit report when I reviewed my report today the have reappeared. I was never giving proper documentation that they was reinsert.

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 2016-04-19 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:
On XXXX XXXX, 2016, TransUnion Credit Reporting Agency lowered my credit score by XXXX points because I paid off XXXX ( XXXX ) creditors as promised and according to the payment schedule established. The payments I made were final payments. TransUnion found fault with this and penalized me by lowering my credit score. Their action will cost me higher fees for credit. I did not receive any satisfaction over the phone. I filed a complaint with the XXXX ( case number above ) and TransUnion responded to the XXXX and sent me a copy of their response. TransUnion did not address my complaint, instead, they informed the XXXX of the hundreds of scoring models they use to reach a conclusion. I then submitted a complaint to Congressman XXXX XXXX ' office and they were not able to help. Consumers are expected to pay their bills on time. This is the American way. I should not have to suffer penalty when I pay my bills as promised. TransUnion must restore the damage they did to my credit score when they lowered it after I paid off XXXX of my bills. When TransUnion opinions that by paying off bills that consumers reduce available credit, they have to consider that car notes and furniture credit have a termination date. Paying them off should earn consumers praise rather than penalty.

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 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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: NY

Complaint narrative:
I am a victim of identity theft, however I can not see what my social security number has been used for as I can not access my own credit report. I discovered that I was a victim though a background check that my employer conducted. 
I can not file a Identity Theft report at identitytheft.gov because I can not get my credit report. The only option available to me is to send an application by mail, which is time consuming considering the pressing nature of my situation.

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 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a second letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Please help me alleviate this collection 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 non-monetary relief
Consumer complaint received 2015-11-06 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:
XXXX - XXXX - XXXX XXXX, 2015 - Open - $ XXXXXXXXPlease validate and verify the account by providing the necessary information or removed from my credit bureau : A copy of the signed contract or other documents that provide evidence of the relevant consumer 's liability for the debt in question. 
Copies of all, or the last XXXX ( whichever is fewer ), account statements. 
All account numbers used by the bank ( and, if appropriate, its predecessors ) to identify the debt at issue. 
An itemized account of all amounts claimed to be owed in connection with the debt to be sold, including loan principal, interest, and all fees. 
The name of the issuing bank and, if appropriate, the store or brand name. 
The date, source, and amount of the debtor 's last payment and the dates of default and amount owed. 
Information about all unresolved disputes and fraud claims made by the debtor. Information about collection efforts ( both internal and third-party efforts, such as by law firms ) made through the date of sale. 
The debtor 's name, address, and Social Security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Husband & Wife We have done a refiance on our home to lower our interest rate through XXXX mortgage but we can not get the loan closed because on XXXX XXXX, 2007 we took out a second mortgage through Green Tree mortgage in the amount of {$55000.00} and on XXXX XXXX, 2007 this mortgage was recorded twice in the same day showing two mortgage instead of XXXX XXXX mortgage and my wife and I have contacted green tree to have this done and all we are getting is the run around every thing that they have asked us to do paper work wise we have done but no one will get back to us we have left messages and still no response from Green Tree so any help that you give us will be appreciated I am living on a fix income and need the help also I am XXXX and trying to get my affairs in order so my wife will not have to suffer when I am gone. I have had XXXX I do not know what green tree reason for doing us like this but it is not right they are the one who recorded these two loans. 

Thank you XXXX XXXX XXXX XXXX Ps. Greentree account # is XXXX and my contact # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
No heath care bill is owed to anyone, this is false and no verification was ever provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: PA

Complaint narrative:
i requested all XXXX reports from XXXX website, XXXX & XXXX provided access to their reports but Trans Union did not. Trans union stated I would need to apply for it via U.S. mail & would receive it in 2 to 3 weeks so I did and waited for my report to come, instead of a report Trans Union sent me a form asking for everything but my DNA. Now it 's been a few weeks and I still do n't have my report. Trans Union is making what should be a simple process very difficult and time consuming.

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 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.

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 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have a cellphone contract with XXXX XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I changed my contract from a personal account to a corporate XXXX. When XXXX XXXX XXXX XXXX made this change, they inform me that I will continue making my payments under the new corporate bill. I started to receive and pay my new bills. Months after I received a new statement under my personal account information. I decided before making any payments to require information about. Then waiting for the XXXX XXXX XXXX XXXX response, I received a letter from a collection agency requesting the debt payment. In this moment, I fill out my XXXX dispute with Transunion, but I feel I do n't receive a fair result. Weeks after, XXXX XXXX XXXX XXXX explain to me that the charges under my personal account are originated from a prorated. In this moment I understand clearly where the charges are coming from and I process the debt payment. After pay my debt I dispute my account once again because XXXX XXXX XXXX XXXX failed in notify me where my charges are coming from. XXXX XXXX XXXX XXXX never accept their fail to me and also to Transunion. Today, I have this account in my Credit Report with a payment status " Collection/Charge-Off '' and remarked as " Charged off as bad debt Profit and loss write-off ''. I need Consumer Financial Protection Bureau to verify this because I think it is unfair that I have these bad marks in my Credit Report because XXXX XXXX XXXX XXXX do not bill this charges clearly and failed in notify me. I submit for your consideration XXXX copies of my account info as appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX Account showing up as a collection account is not mine. Possible fraudulent 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 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX has a collection on my file that is outside the statute of limitations as provided by federal law. I have enclosed a copy of the Trans Union file that shows that the last payment I made on the account was XXXX. I disputed this in XXXX and Trans Union violated federal law by leaving this on the file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Coastline Financial Resources, LLC
State: TX

Complaint narrative:
XXXX contacted my husband, my sister, and myself and told us that I had done something illegal and criminal and that they are going to serve me with papers and sue me. They advised that they are a litigation firm and that they are going to start legal proceedings. They have been advised to cease contacting my family and my self and they have contacted my family XXXX other times after they were advised of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX account # XXXX has agreed via the XXXX to remove account with all he credit bureaus. XXXX and XXXX have removed the account on XXXX/XXXX/15. I need Transunion to remove account immediately so I can close escrow. Please remove midland from my Transunion report immediately. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX my father XXXX XXXX and I filed a case against Citibank and you did not properly investigate. Case # XXXX. I was in contact with the FTC and I was advised to call back to speak with an arbitrator which you do not have. The also stated you should be able to provide to me what proof Citibank provided to prove that I called in and changed the extraction date of the payment. Also how did you reach your conclusion? And what proof did they produce to you. This case needs to be opened again Citibank breached our contract. I make the payments for my father and we are both Veterans of the XXXX. Please let me know when the case has been reopened. I will wait to hear from your agency. I now have proof from my statement copies. My bankXXXX XXXX

Company response to consumer: Closed with explanation