vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
Thus far I have paid XXXX in fees and XXXX in interest with a payoff of over XXXX dollars. I borrowed a total of XXXX on a XXXX loan. only XXXX % of my payments are going towards my payoff-the remaining monies are being applied to Fees and interest. WIth what I have already paid, plus the XXXX ( payoff balance ), my total payoff will be approximately XXXX. However, If I do not pay the payoff and just keep making the bi-weekly payments, It will take me at least two years ( and several thousands of dollars ) to be anywhere close to paying this off. After looking over my statements and seeing how there was no dent being made in my balance, I started doing some research and found out that many of these companies are not licensed to provide loans in some states. After calling the DLLR for the state of Maryland today, i was told that Moneykey is one of those said companies that should not be providing loans in this state. I was advised to file a complaint and close my bank account. 

XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX fees interest XXXX XXXX XXXX XXXX in fees YTD and XXXX in interest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc.
State: FL

Complaint narrative:
My mortgage company ( ClearSpring Loan Services ) uses a third party ( National Tax Search ) to track property taxes owed. My taxes are due in XX/XX/XXXX. I paid then in XX/XX/XXXX for a discount. I received notice of " delinquent taxes '' in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They say they will pay and start an " impound account '' to collect. This has been ongoing for 4 years. Every year, from XX/XX/XXXX to XX/XX/XXXX of the following year, I call to get this corrected and it continues. They say " Ignore the notices '' and they will contact the third party, but it continues.

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 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Mountain West Financial, LLC
State: CA

Complaint narrative:
Rec 'd a notice on my door that had my mortgage name on it. It said to call number. I called number and got Mt West Financial. My mortgage company is XXXX so I hung up and called XXXX. XXXX said my account was in good standing and said that Mountain West Financial is an affiliated company with them. So, I called XXXX, the number on the card and proceeded to try to confirm information. They kept asking for more. I did give them the last XXXX of my son 's ss # ( I am an authorized caller on account ) and now I am worried that this is not a real company but a scam. I told them that I would not give anymore information and that if they needed information they should write a formal letter. 
I am afraid I gave them too much as it is. I called XXXX again to confirm that Mt West is affiliated and this time the CSR said " No ''. I would like to request that the information that Mt West Financial ( at XXXX ) obtained from us be expunged from their records due to the fact that I believe that information was extracted under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: AK

Complaint narrative:
AD ASTRA REC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AD ASTRA REC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AD ASTRA REC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have disputed to Transunion XXXX different times to get off inquiries, that are on my credit report, that I never gave permission to be on there. The response I got from Transunion each time was only within 2-4 days and came back as legitimate. There is NO WAY they could have investigated anything within that time frame. It even says that the credit companies have 30 days to dispute, my disputing of inquiries. So how can it be done within 2-4 days total each time!? They are not doing anything about them. Its unfair that I have so many inquiries that I would have never allowed through to my credit report. 
XXXX makes disputes way to confusing to even try to being there also. 
Another car company did this exact same thing to me in 2013. 
Thank you for your time with this matter. 
XXXX XXXX

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: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting negative, inaccurate and unauthorized inquires on my credit report and have refused to correct and remove them. I written Experian letters and spoke with them by phone informing them of my concerns. I told them that the inquires reported on my credit profile seems to have come from their pre-approved credit offers mailing lists. I requested that these inquires be removed from my credit report and to remove my name from their mailing list. I told them that I did not give my authorization to any of the companies they are listing below : XXXX XXXX ID No. : XXXX XXXX XXXX, XXXX Credit/Kearny XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Bank ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX INC ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX XXXX, Apr XXXX, XXXX XXXX ; ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX XXXX, ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX ID XXXX. : XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX bank NA ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX explain to Experian that I did apply for a car loan in XXXX, XXXX with XXXX XXXX XXXX XXXX, which is not being reported by Experian, but none of the above mention companies had my permission to run my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion reinserted XXXX accounts that was not verified nor validated. I contacted XXXX and XXXX Both these accounts where removed : XXXX was removed XXXX, XXXX, XXXX and XXXX I assume bought the XXXX account and TransUnion put that account back on my credit when they took it of on XXXX XXXX, XXXX. I checked my credit and both are back on my credit as of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX both accounts were put back on my credit. These accounts were not verified nor validated. Transunion did not verify there method of verification meaning who they actually spoke to or the documentation they have to support there verification. E-Oscar is not valid verification. I asked for validation from both collection agencies and got no response with in the 30 days allotted nor after the 30 days. This information need to be deleted asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
For the XXXX time in three years credit reporting agencies have fraudulently reported information on my credit report that is inaccurate or erroneous. The first occurrence was in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) who inverted XXXX digits of my SS # and added the persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by XXXXIn XX/XX/XXXX TransUnion made the identical error by inverting XXXX digits of my SS # and added the same persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by TransUnionMy Complaint is against the credit reporting agency TransUnion for negligence on their part with not confirming the information they report is factual. Transunion 's negligence resulted in my credit score declining by over XXXX points and a credit card account being closed for poor credit. This cost me personally and professionally by having to spend to date XXXX hours to dispute and attempt to correct and have this this avoidable and erroneous information removed from my credit report. This matter is still not completely resolved with Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion. refuses to remove previously deleted itms from my credit report. XXXX XXXX and XXXX remain in the negative accounts portion of my credit report. depite numerious attempts to dispute the inaccracies and chapter XXXX bankruptcy proof provided to trans union. transunion has refused to place ginnys and XXXX XXXX in closed accounts. Transunion also refuses to to place student loans ( US department of education, XXXX, and XXXX in accounts in good standing. defferment and/or forberrance documentation was submitted in numerious dispute attempts previously.

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 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX File No. XXXX ATTN : Legal Department Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ XXXX ACT OF 1996 ], to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, XXXX XXXX XXXX ) ACCT. BAL : {$140.00} 2. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX ) ACCT. BAL : {$670.00} 3. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX ) ACCT. BAL : 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 2015-03-19 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: TN

Complaint narrative:
i attempted to obtain a free annual credit report from the XXXX reporting services via the website : XXXX. No problem with XXXX. XXXX required a written application be mailed to them and Transunion steered me to a new page or website where I was not allowed to proceed without subscribing to a service which required me to pay an initial fee of {$1.00} for the report ( {$0.00} for my " score '' ) and further agreeing to and paying a recurring charge of approximately {$18.00}. It is my belief that I am entitled under the law to a FREE credit report. why is TransUnion being permitted to violate the law with this deceptive practice? Please remedy this violation and require them to send me a free credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have XXXX inquiry analysis that were not requested by me. XXXX on XXXX/XXXX/2016, XXXX XXXX on XXXX/XXXX/2016, and XXXX XXXX XXXX XXXX XXXX onXX/XX/2016

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 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
this started about a month ago, when i first paid my credit card for {$100.00} for unknown reasons the payment was declined and i have to file a dispute with my bank before the i can get my money .again on the XXXX i made a payment of {$100.00} and i was notified by them that the payment return again i went to my bank and filed a dispute and until now i havent gotten the money on my account yet my due date is the XXXX th of the month and for now we are not on the XXXX of the month i just do n't know what is this.it look like is a scam credit card, also my credit report is not accurate i never filed a bankruptcy but i do n't know why credit report is showing like a filed one i want my report to be accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have sent Trans Union numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and remove 1 account that does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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: NY

Complaint narrative:
I visited the web site " XXXX '' to secure the XXXX free credit reports that are to be available each year. I had not secured any free credit reports over the last XXXX years or more. I followed all their instructions to get the reports on line. I filled out their forms and provided all the information requested. After a few seconds I was advised that my reports could not be prepared and suggested I order the reports by phone. There was no explanation as to why the forms were not available. As a result I will have to go through this process again and will have to wait for the reports to be sent to me. If they had conveyed the nature of the problem I could have reacted and solved the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX, I disputed a report of a tax lien that was reported on my Transunion report by XXXX. My credit report of XXXX XXXX, XXXX, file number XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report as of XXXX XXXX, XXXX file XXXX. FCRA 611, Procedure in case of disputed accuracy [ XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted the credit bureau in reference to some unauthorized and uninitiated inquiries in my credit file. They advised me to contact the creditor, if I did not contact them in order to establish a relationship initially why should I have to contact them to have it removed. The credit bureau broke the law by allowing false information to be reported in my file. So they need to contact them to have it removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. The XXXX inquiry is mine but should only be in my file 1 time it looks to be duplicated. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 twice this inquiry is duplicated multiple times, XXXX is authorized. 
XXXX XX/XX/2016 XXXX XX/XX/2016 Sincerely, XXXX XXXX XXXX

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