vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 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:
A card authorized to my mother by my fathers credit card was falsly reported on my credit report. Per XXXX XXXX ( XXXX/XXXX/2017 ), they do not have my ss # on file for this cc or for it to show up on my credit report only the shared name of my mother.

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 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Transunion here are the detail of the hard pull inquiries which were not authorized : 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 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

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 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX ) paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.

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 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my Transunion credit on XXXX/XXXX/2015 I found there to be 6 Derogatory items ( XXXX, XXXX XXXX, XXXX, XXXX XXXX 2 XXXX ) AND 5 Inquiries ( XXXX ) that I know nothing of. I did not apply for credit with these companies and I did not receive credit from these collections. I disputed these items with Transunion, then proceeded to contact these companies to dispute these items as well as request information on these debt through certified mail. These companies did not respond at all. It has been more than 30 days so I sent Transunion a package with copies of all my letters of dispute to these companies as well as a request to remove these items from my file. Transunion has ignored my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted a request to review a Federal Tax Lien on my credit report. All other credit reporting agencies have removed this from my credit report except TransUnion. I called the XXXX and received a release document, and asked that TransUnion follow up and remove this information. They claimed to have done an investigation, and " VERIFIED '' the information as good, no change. This is wrong. I am attaching documents to show that this tax lien was released in XXXX of 2015. TransUnion REFUSES to remove this from my credit report, and I am filing a complaint against them for failing to do so. TransUnion should have been able to verify as easily as I did with the XXXX, and I do n't believe they verified anything at all, they took the entire 30 days to come back and tell me it was verified. They ought to be sanctioned ... ..

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 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart I have attached as a word document, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I made a purchase at XXXX XXXX in late XXXX ( {$61.00} ) ; just received my statement with a XXXX XXXX due date and XXXX XXXX has submitted a negative report to the credit agency TransUnion for non-payment. Their site is down until XXXX/XXXX/15 ; no one answers the phone and I 'm cutting up the card and closing the account. I want the negative report off my credit summary. XXXX XXXX has a serious problem and they are hiding something from the consumer.

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: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Coastline Financial Resources, LLC
State: TX

Complaint narrative:
Coastline and Associates called me on my work phone to tell me they are going to serve because I am being sue for a credit card I owe back in 2007. The guy was mean, rude and threatening to garnish 25 % of my pay. Their number is XXXX. I was upset that they were threatening to come to my work let alone call my work phone. I told the gentleman I have to look into it. He got upset saying I need to pay the amount now or they will start working on garnishing my wage. This is not legal by any means. So I hung up on him. He then proceed to call me 5 times from an unknown number. Please help me stop them from harassing me at work. This is not right.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 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: IN

Complaint narrative:
I sent off for my annual credit report about a month ago, and no repond back.i made preparation to file Bankruptcy, but was delayed by XXXX, XXXX, and Transunion that had set me back with my Bankruptcy case that been filed.

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 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
yesterday i received an alert that I had XXXX. I called the number that was attached to the alert and the number is not in service. I XXXX the company and tried to call the customer service number but i was unable to get a representative since the only way to speak to someone was to put in an account number. I called trans union and asked to speak with a special fraud agent in the united states. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no less )

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 2016-12-19 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
After almost 3 years of sending money to my in-laws through western union I am now being denied access to the service without explanation. Since XXXX Western Union will not allow me to send money any longer. I have contacted them several times and they say they are not allowed to tell me why my account has been closed, why my receipt history been deleted, or why I am no longer allowed to send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I received a call from XXXX then I picked it up, a guy named XXXX XXXX told me that he worked for XXXX for grant money. Then XXXX told me that I was qualified for XXXX $ I was excited then he asked me for all of my information including my social number.I gave him all of my info than he transferred to a different number which is XXXX they asked me to send a XXXX $ fee than I could have XXXX {$.00} They have more numbers which are XXXX, XXXX, and XXXX. If those numbers call you do n't pick up and block the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
I was sent a check in the mail to get cashed to pay bills for someone. The check was accepted through my bank til 3 days later it came back as a fraud check. I did not realized that the check was a fraud check until after I withdrawal the money and sent it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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:
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX almost XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. now that Im an adult I was turned down for credit because of a utility bill that was put on my report back then before I was XXXX. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and dont sell XXXX or anything like that my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.

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 2015-12-15 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I rec 'd phone call from this company called XXXX @ phone # ( XXXX ) XXXX regarding cash loan payment from cash central. They are the 3rd party. I have paid portion of the loan and now, different company is calling me representing Cash Central. They 're trying to scare me to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: DE

Complaint narrative:
I SENT MONEY TO XXXX SUCCESSFULLY FOR THE PAST EIGHT MONTHS BUT WAS STOPPED FOR CONFLICTING REASONS GIVEN BY PHONE. I HAD TO SPEAK WITH OVER XXXX DIFFERENT PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: DC

Complaint narrative:
I was scammed out of {$200.00} by a person who claimed that he sell me a part for my dirt bike. 
I sent him the money via Western Union Transfer and now he is not answering his phone or returning any of my texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
I filled a claim with Charles Schawb bank regarding fraud on my bank account in XXXX. There are over XXXX worth of charges to XXXX on my account with I did not make or authorize. The claim has been denied and upon notification from the bank I was provided with a document from XXXX which shows all of the charges on my card. That document shows, that my card was manually entered on all transactions except one ( which the card was swiped ) There is a name on the room that is not mine and the signature is not mine. These are fraud charges and need your help in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Upon my divorce back in XX/XX/XXXX, my ex-husband relinquished all rights to the home/mortage we acquired together in XX/XX/XXXX. Since then I am the sole owner and responsible party for payments and related financial obligations. I have kept my mortgage current and have requested my lender to remove my ex-husband 's name from the loan on several occasions. The last time I was asked to submit the request in writing which I did in XXXX XXXX. The lender send me an acknowledgment on XXXX XXXX but will not take action. I have kept calling to inquire on the status of my request and no one can give me any guidance. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was selling jewelry online from XXXX list to get caught up on my bill '' s. 
A buyer sent to me {$1500.00} dollar '' s which i deposited in People '' s United Bank. 
In XXXX after the check cleared, i was told to forward the money by XXXX XXXX. 
I was told to keep {$100.00} dollars for the price of the jewelry.after the money was wired by XXXX XXXX, after i went to my bank to with draw my money from my XXXX check and the bank stole my XXXX check which left me with nothing.I am a XXXX patient, i have to have XXXX and also XXXX four times a day. 
I ca n't pay my rent, gas and electric and also i cant even by food for my service dog. 
The banking XXXX office Social Security and the police officer all told me that people '' s united bank would work with me so i can afford my living expense '' s this month. 
They refused to help in anyway.After the bank cleared a bad check they confiscated my XXXX check, the bank manager XXXX XXXX was willing to help but she said corp office refused.I have other XXXX beside the XXXX and i cant get any of my prescriptions. 
Most likely will be in the hospital due to XXXX.I am broke and need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
XXXX and Bayview Loan Servicing have refused to provide my itemized and complete loan history on my current mortgage as required by the Real Estate Procedures Act 12 U.S.C 2605e as I have requested several times in writing and verbally. XXXX also called my insurance company ( XXXX XXXX ) and told them I no longer owned my home and returned the check to XXXX that XXXX XXXX paid for my condo insurance for the year. XXXX then placed " force placed '' insurance on my townhouse without my permission or consent. XXXX, to date, will not give the amount or itemization of the fees associated with there force placed coverage. The lender has scheduled XXXX separate sheriff sales while my loan was under modification review. In addition, never received 14 days notice of any of for any of the sale dates. In fact, the sale that was scheduled for XX/XX/XXXX was changed on XX/XX/XXXX and lender paperwork was not submitted until XX/XX/XXXX to postpone sale. The date was changed to XX/XX/XXXX. I received verbal knowledge of this through my HRA contact. Bayview also reported to the modification underwriters that I did not complete all the documents they requested. I did and I have proof. As a result, the underwriters denied ( apparently ) my modification. This denial was verbally told to my HRA contact and not provided in writing. As of this date ( XX/XX/XXXX ), I have a sale date of ( which is the third one ) for XXXX. The asset manager for Bayview has not responded in a timely matter during this process and often says he " has not received documents '' to his attorneys and underwriters, which his not true. I have proof of the email submissions with dates and times. I believe the lender has target my property for profit and have not followed the laws regarding my FHA backed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MD

Complaint narrative:
The debt was paid in full to company XXXX, not to a collection company yet they continue to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I demand to see verifiable proof an original consumer contract with my signature on it .I have sent 4 letters ask them to remove this unverified account. I never lived at that address or had services there. I disputes the 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 2015-09-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
American Credit Acceptance has repeatedly contacted me at my work phone number even after I had asked them XXXX to not contact me at that number

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC
State: MN

Complaint narrative:
I recently received a debt collection letter for a debt through XXXX. I have not had an active XXXX Account since 2007. I contacted XXXX about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former XXXX account holders. It appears it is a collection scam. https : XXXX So I am filing a complaint before they try and hurt my credit.

Company response to consumer: Closed with explanation