vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : File No. XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, TX ( XXXX ) ACCT BAL : {$31000.00}. This account has been sold and closed. Please delete. 
2. ACCT NAME : XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$8500.00}. This account was charged off. Please delete. 
3. ACCT. NAME : XXXX XXXX XXXX XXXX ( XXXX ) ACCT BAL : {$2400.00}. This account was charged off. Please delete.

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 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have this collection on my report from Transunion and only Transunion its not mine. I sent them a letter asking for proof or some sort of account information. They sent back a letter saying verified. no proof given at all. Just XXXX work Verified. How? Who? They dont want to say, Please delete it asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Partners Financial Services Inc
State: OH

Complaint narrative:
First, I attempted to contact a technical college called XXXX XXXX XXXX XXXX XXXX that I attended for a short time in 2013 due to a debt appearing on my credit report. I have found that the company/college has since gone out of business. 

Next, I attempted to contact the collection agency listed on my credit report which is Partners Financial XXXX XXXX XXXX Fenton MO XXXX ( XXXX ) XXXX. While speaking to the agent about this debt, I asaked how I could contact the intended payor from their account trying they were trying to collect for. 

What then happened the agent was rude stating that I already contected this charge. The agent abruptly stated that since I attended the college, I owe the debt. 

When I asked who they were going to give my money to since the company they are collecting for is defunct, stated " The XXXX XXXX XXXX XXXX ... '' I asked again how are you going to give money to a company that no longer exists? 

I then asked for the information of who the debt was being collected on the behalf of and the individual would not provide me the information and then I was put on hold and no one returned. I then called back and was then transferred to a mail box. 

In conclusion, I believe that the debt was being collected fraudulently. Second I believe that I have no recourse with the entity that states I owe this debt because it is now out of business. The agency attempting to collect the debt may be a forgery and or scam because the lack of transparency. 

This agency has attempted to call me numerous times in order to attempt to collect on a bill that I believe they are illegally attempting to collect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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:
I spoke to the representative XX/XX/XXXX when they promised to remove the items XXXX and XXXX since it unverified and not mine. They removed all of the other names and addresses but forgot to remove the XXXX wrong items on my credit report that have yet to be verified. The representative on XX/XX/2016 made a smart comment about my XXXX and how its my problem to fix when it should of been removed as promised as of XX/XX/XXXX when I spoke to the first representative that added the fraud alert and went over my credit report and help me with my situation in getting what was accurate on my report.Very disappointed on how consumers are treated by you guys customer service. Especially to a XXXX veteran.

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 2017-02-07 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:
The credit agency put wrong information on my credit report I never had XXXX. I called and wrote letters but they still have not removed information 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 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I subscrib0ed to XXXX about 12 years ago telling them I could to have a CONTRACT because I would need to put it on vacation every winter because I live in AZ during the winter. I was told it was no problem. The first winter I did that they accused me of early termination and charged me {$500.00} I refused to pay it and disputed this charge. Nothing has changed. They keep sending it to different collection agencies all these years. This has been an adverse affect on my credit report and it still is showing up as a collection action. How many years do they have a right to do this? Once 7 years was gone, that should have been the end of it. I am not paying them anything for their false charges. Besides all of the above, each year the amount changes. first it was {$500.00}, then it was XXXX, now the last I saw from a new collection action was {$140.00}. They are getting nothing from me. Please make the agency correct this and get this blemish off of my record. Thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is violating the FCRA, ( SECTION 1681 i of 15 U.S.Code ) .Attached exhibit A says Transunion may add 15 days to the 30 day investigation period if the credit agency receives additional information from me during the 30 day period that is relevant to the investigation.Transunion did not receive any RELEVANT INFORMATION FROM ME DURING THE 30 DAY PERIOD.Exhibit B, a transunion response to the CFPB ADMITS that they exceeded 30 days, yet they mistakenly say '' I ADDED INFORMATION ON XXXX/XXXX/2016 '' WITHOUT IDENTIFYING IT.ON PHONE CALLS REGARDING THIS ISSUE TO TRANSUNION FRAUD AND SPECIAL SERVICES DEPARTMENTS, THEY SAY I STARTED ANOTHER INVESTIGATION ON XXXX/XXXX/16 BY PHONE BUT THIS OTHER INVESTIGATION HAS NO RELEVANCE TO THE FIRST PREMIER AND XXXX INVESTIGATIONS BEGUN TOGETHER ON XX/XX/2016.I DID ANOTHER INVESTIGATION BY PHONE ON XXXX/XXXX/2016 ON A TAX LIEN.EXHIBIT C is my phone log of both telephone calls to XXXX AT XXXX XXXX XXXX, TRANSUNIONS TELEPHONE LINE FOR DISPUTES.Exhibit D is the results of investigation and the new credit report created on XX/XX/2016.IT IS NOW UNLAWFUL FOR TRANSUNION TO REPORT THIS ACCOUNT for their own errors in economies of scale, computer errors or for whatever reason.MY RIGHTS ARE PROTECTED BY LAW BY THE FCRA AND THE CFPB WILL ENFORCE THAT LAW.SUFFICIENT EVIDENCE HAS BEEN SUPPLIED HERE TO PROVE THAT TRANSUNION HAS VIOLATED THE FCRA AND LIED TO ME AND THE CFPB IN CFPB XXXX ACCOUNT XXXX # XXXX MUST BE IMMEDIATELY DELETED ON THE NEXT UPDATE UPON RECEIPT OF THIS INFORMATION.

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 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX performed an-unauthorized inquiry on my credit. The inquiry was performed as prescreening and does not impact my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my XXXX link went to transunion then to changes and found these inquiries that was added to my report that I did not apply for than it was removed, I never got a notification from transunion of these inquiries happening

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 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX account in collections since 2008 for balance of XXXX. XXXX collections provided the account number and directed me to XXXX. The XXXX XXXX XXXX representative researched the issue contacted the collections agency and provided the following diagnosis : the spelling of the my first name and Social Security Number, do not match those listed on the account. XXXX XXXX XXXX will notify the collections agency of its error and remove my information from its records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested for at least the last XXXX years, a detailed explanation of how Midland Credit Management arrived at the balance they allege I owe! They REFUSE to supply me with this information, yet expect me to pay almost {$3000.00} for this alleged debt. I do n't know anyone that will go to the grocery store, or XXXX, for example without getting a detailed, line by line item explanation of what they owe. This leads me to doubt the validity of the bill. If they ca n't prove it, they need to remove it!! I consider this to be inaccurate information that is being reported to the credit bureaus. I appealed this travesty to all XXXX credit bureas ; TransUnion deleted it from my files. I feel it is only fair that the other XXXX do the same immediately and permanently. The representative I spoke with earlier today actually told me that they have never received any requests from me!!! Thank goodness the conversation was recorded. I have EVERY piece of correspondence to AND from them. What a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC is refusing to accept Qualified Written Requests ( " QWR '' ) under Section 6 of RESPA. 

HSBC sent me a notice that it had transferred the administration of my loan to XXXX, and that any QWR was to be mailed to an address of XXXX. A copy of the notice is attached. 

I wrote HSBC a QWR in XXXX XXXX. I mailed it and faxed it. I also filed a complaint with the CFPB. My XXXX tax payments were in arrears, although I had paid for them through my escrow account. 

I received a letter back from HSBC in XXXX XXXX, stating that the bank got my CFPB complaint, and my fax to its service center. However, HSBC claimed it did not receive a copy of my letter to the address it specified for QWR 's ( XXXX XXXX XXXX ). That is a DIFFERENT address from the notice they had sent to me before. They discussed my issues from CFPB, but said they would " not consider [ my letter ] to be a QWR as defined in Section 6 of RESPA. '' A copy of HSBC 's letter is attached. 

I sent HSBC another QWR in XXXX XXXX, and again filed a complaint with the CFPB. My taxes had still not been paid from my escrow account, and my house was now in foreclosure. I sent the letter to the XXXX XXXX XXXX address HSBC had said it designated for QWR 's. A copy of the certified mail receipt is attached. 

Yet, I received a response letter from HSBC in XXXX XXXX, AGAIN stating that they had not gotten it at the proper address and that they would therefore " not consider it to be a QWR as defined in Section XXXX of RESPA. '' A copy of HSBC 's letter is attached. 

I want to know that my letters from XXXX XXXX and XXXX XXXX are each QWR 's. I want confirmation that the XXXX XXXX letter in particular was received by the proper unit designated to receive it. I also want an explanation why a CFPB complaint or a complaint to any HSBC service center does not get treated as a QWR under law. I do not want HSBC acting as if it can selectively ignore RESPA by denying complaints QWR status. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
The complaint has XXXX parts : 1. My reward program was frozen without any notice until i called american express. I was not be able to use any points when I needed. The loss need to be compensated. ( I have at least XXXX available points for use at that time even after point readjustment. ) 2. The sign-up bonus of my platinum card from american express was retracted some time later after program being frozen, although I got confirmed messages from XXXX representatives before - the points I earned will not be retracted. I did meet the requirement stated in the T & C - " spending XXXX within three month after opening the account ''. 
American express posted the sign-up bonus and froze the account silently after I met the spending requirement. Then after three months ( the time window for meeting the spending requirement ), they suddenly claimed that i did not meet the minimum spending and retracted the points. The reason they might give is that there was XXXX return which brings down the spending quantity. However, the return happened after the account was closed. It was legitimate and was not done deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I originally made arrangements XX/XX/2016 to pay off a medical debt purchased by Transworld Systems , Inc. and the balance of {$120.00} was paid in full on XX/XX/XXXX and deducted from my XXXX account on XX/XX/2016. Since then, I have contacted this company 4 times within XX/XX/XXXX -XX/XX/2016, requesting a letter of " paid in full '' without success ; however, I 've been verbally told repeatedly since then that my account was paid in full and that my letter was in the mail and this information would also be sent to the XXXX major credit bureaus. I spoke with another representative today XXXX XXXX XXXX XXXX and she promised me that she would fax the PIF letter to me and I still have n't received it. She also ( along with XXXX other representatives ) informed me that this information would be updated and sent to the XXXX major credit bureaus ; however, after disputing the amount last month ; I received notification today that TSI reported to them that I still have a debt in the amount of {$120.00}. This is unfair as they received my payment more than 30 days ago and refuse to send me confirmation. I have verified my address multiple times and they continue to tell me that they sent out a letter but every time I call back ; they tell me that a letter was never sent and they will expedite it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Last week my wife, XXXX, submitted a complaint and that case number is XXXX. Yesterday we were notified that American Express could not respond to that complaint because the primary card holder, me, or an authorized representative was not the complainant. However, my wife is my authorized representative and American Express has been negotiating with XXXX for several years. At best, American Express not recognizing my wife as my authorized representative is disingenuous and an act calculated to make a legitimate complaint against their unfair credit practices more difficult. 
By submitting this complain, I am adopting every and all statements made in case number XXXX. 
American Express told us we would have our traditional XXXX and our points reinstated once we fulfilled our repayment agreement. AmEx expressly stated : as an inducement for your successful completion of the repayment agreement, we will reinstate your traditional green card and return all membership points. Every conversation with AmEx was recorded AND AmEx acknowledges the terms are in the notes in our file. We paid AmEx in full at 0 % interest because of their promises. We incurred charges in excess of {$2000.00} for interest charged on other obligations because of the inducement made by AmEx. Now AmEx has taken the position that the traditional XXXX is not going to be reinstated because of our poor XXXX score. AmEx never told us that there was any condition to the reinstatement of the card other than the successful completion of the repayment agreement. Because I know my XXXX score is poor, I would never have entered into the repayment agreement with AmEx with the terms we did -- -- I would have paid more on my high interest cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flatonia Investments, LLC
State: DC

Complaint narrative:
In XX/XX/XXXX I filed a complaint ( case # XXXX XXXX against Envoy Mortgage. The exact same thing happen this year in XX/XX/XXXX. I ( again ) had to call XXXX who indicated Envoy would have received documentation 45 days before the date of expiration of the master HOA policy so there is no reason they need to send me these letters every year. Further, none of the other mortgage holders for units in my building have this problem. So somehow Envoy is doing something that is not industry standard/mandated by the CFPB otherwise why are they they only one harassing the mortgage holder for verifications they have already been sent? Please stop harassing me every year. Please get Envoy to stop sending me harassing letters asking for information XXXX has already sent them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have attempted to contact this debt collection agency via the web and by phone XXXX times in the last XXXX days and can never reach a soul ... .. when I try to go online to access the debt acct they say is mine it always redirects and then crashes. Is this even a real debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for the XXXX XXXX platinum card two months ago. I applied through a public link and it was said that once I spent {$3000.00} in the first 3 months, I will get XXXX membership rewards points. I spent a lot and in rush on normal shopping and eating to meet the requirement. I just got my points today and I would like to transfer them to a highly time sensitive airline ticket. However, they not only did not allow me to transfer the points but also freeze my whole membership rewards account. I was really frustrated as they promised me to have this XXXX points offer. I applied basically because I would like to use the points for the recent travel. My whole travel plan got destroyed. I paid {$450.00} for the upfront annual fee but received this kind of service and even froze my membership rewards account. I need a resoluton to unfreeze my account and compensate for the inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have XXXX primary forms of Health Insurance and was told XXXX XXXX XXXX XXXX XXXX XXXX accepted and would process my claims thru each of the health insurance companies. I have contacted XXXX XXXX several times and received XXXX cooperation from administration. All Items and equipment was returned and no longer deal with this provider. I have found a medical provider that has accepted my XXXX and XXXX as full payment! Please contact me if you have any questions. Thank you.

Company response to consumer: Closed with explanation