vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom It May Concern : I am in receipt of your letter stating that the XXXX XXXX XXXX XXXX XXXX was updated and verify and the dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc.
State: IL

Complaint narrative:
Clearsprings Loan Servicing, Did A Loan Modification due to a personal financial hardship. I made my 6 Loan Mod payments from XXXX 2015 thru XXXX 2015. And then I continued to make on time payments. 
On XXXX of 2015 Clearsprings Loan Servicing, Transferred servicing to XXXX XXXX XXXX. They transferred the loan with a Escrow deficit of {$750.00}. The loan mod should have brought all elements of the loan current. Now, Clearsprings Loan Servicing, is doubling my escrow payment adding a financial burden to my loan payment. 
Clearsprings Loan Servicing should be is responsible for correcting their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Solomon and Solomon, P.C.
State: ME

Complaint narrative:
I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
On XX/XX/2016 I went in to pay auto loan payment. I pay {$470.00} each month I pay XXXX because I wanted to catch up on 1 late payment and pay a payment coming due on XX/XX/2016. I informed teller that this money is to cover 2 payment. I got a call from bank telling me I had not paid payet for XX/XX/2016. I informed worker XXXX that made payment on XX/XX/2016. She tells me I was behind 2 payments so payments went to XX/XX/2016 and XX/XX/2016. I requested payment query, because I knew I was only behind one payment. I also went branch for print out, but they told me it could be printed out. 
On XX/XX/2016 I finally received print out via US mail. 
Print our confirms my thoughts of bank applying my payments incorrectly, and that I was only behind 1 payment as I thought. I called customer service, they told me I had to go I bto branch. Bank has lied, told me they could n't fx, and have given me the run around. The transaction they performed keeps me behind and I can be charged {$47.00} each month. I finally was able to pay 2 months so I would not charged {$47.00} late fees each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WAFD BANK
State: WA

Complaint narrative:
I took out a construction loan to be converted into fixed rate mortgage loan in XXXX XXXX. In XXXX XXXX, I received a letter from Washington Federal that my mortgage rate will be a fixed at 4.875 % for 30 years with a 1 % pre-payment penalty provision prior to XXXX XXXX. I sent them a letter explaining that I was offered, in open market, a 30-year-fixed-rate of 3.75 % -- and with XXXX-fees-or-costs. 
When I signed the initial papers in XX/XX/XXXX I was told that the bank would be able to match market-rates for fixed-rate-mortgage in the future. But the bank refused to match the new rate, despite their initial verbal promises. I was left with a choice of paying nearly 1 % higher rate to Washington Federal for next 30 years to save the 1 % penalty, or paying 1 % penalty and saving 1 % yearly for next XXXX years, by refinancing elsewhere. The decision had to be immediate because the rates can change rapidly. 
I had to pay 1 % penalty to Washington Federal to get a 1 % lower fixed-rate for XXXX years. This was completely unnecessary if they had followed through on their initial promise that they would match market rates for fixed rate mortgage to avoid refinancing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2016 I made a wire transfer for {$3700.00} for goods purchased through XXXX through my Business Checking account at Capital One. After 14 days, the funds never made it to the recipient. I had Capital One initiate a trace on the funds and XXXX XXXX, from Capital One Branch in XXXX, Texas ( Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ) told me that she did not know what happened to the funds. I made multiple attempts to resolve this issue with her, and Capital One customer service with no resolution. Finally, I contacted the XXXX and filed a complaint. They told me that I requested to cancel the transfer on XX/XX/XXXX ( I did ) and then requested to recall that cancellation the same day ( I did not ). The beneficiary has not received the funds and it has been over 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid-Atlantic Consumer Services
State: OH

Complaint narrative:
Mi-Atlantic Consumer Services keeps contacting me and family members to collect debt on which I have paid already. They have threatened to contact my human resource department as well. Even when I talked to them on the phone and told them I do not feel comfortable sharing information over the phone, they seemed to get mad at me. I even double checked my credit to make sure this was not on my credit and that I indeed paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2015 we became aware of problem with our bank account. We were in the process of moving during this time and found that our account that had more than {$2500.00} in it had been seized. According to the documents that our bank provided us two weeks later, there was a summons of garnishment issued to them by Magistrate Court in XXXX County Georgia.The attorney listed on the summons was McCullough, Payne & Hann in XXXX, GA. I am unfamiliar with the Plaintiff who was listed as XXXX XXXX/XXXX XXXX XXXX We also have never lived in XXXX County so I 'm unsure as to why this was filed there. The garnishment seized funds in a joint account so I am unsure who they were trying to garnish, myself or my husband. Bottom line is this company has taken all of the money that we had to our names and I would like some answers as to why our bank, without having proper definite information that this is even our debt, attached the garnishment without confirmation of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: MN

Complaint narrative:
I previously had a vehicle loan with United Auto Credit. I had fallen behind and had my car repossessed. I understand that, and am not disputing that. What I am upset about is the way they are going about trying to get the money that is still owed, according to them. I am now getting emails, with no indication of the mini-miranda, not even verifying that it is me and saying amounts I owe. Very unprofessional and honestly I 'm glad I still have that email. If not, who knows who that info could have gone to.

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 2016-05-19 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 final bill for XXXX was paid directly to them, not a collect agency yet they continue to report to the credit bureaus as if I did. My final bill never reached me since I moved once my mail was routed properly, I was able to pay the bill as soon as I received it. The collection never even contacted me to begin with, they just showed up on my reports. That is not what the law states and they are breaking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I have repeatidly disputed account number XXXX with the credit reporting bureaus about Ad Astra Recovery Services and their aggressive and frightening collection tactics. I have asked doth bureaus to investigate and validate this debt that I have paid in full with XXXX XXXX and delete it from my account. I do NOT owe Ad astra anything and they have recently been calling my cellphone at late hours and leaving voice messages with a machine regarding this supposed debt that I know i do not owe them. Please investigate their aggressive and illegal attempts at taking money i do not owe them. they have not even provided any valid evidence nor have they communicated properly with me regarding my disputes and request for them to stop contacting me, especially with automated systems. They are so embarrassing and annoying. They need to delete their account from my credit reports immediately or I will contact an attorney. This is my last warning to them. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: MA

Complaint narrative:
I have applied and issued a credit card two months ago with XXXX XXXX and until now my credit score runs as " no score available ''. My old address is even still being used by Transunion and XXXX when running my credit scores. Not having a credit score is making my life a nightmare here. When calling them, each of Transunion and XXXX would tell me that the update reporting has to be done by my bank facility which I then call and am being told they had already done the reporting. I am lost in the middle.

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 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX will not give me my credit report or score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have XXXX hard hits on my credit report that I 'm not making

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 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 am a victim of Identity Theft and asked for an Identity Theft Block under FCRA 605B and Transunion deleted the accounts but not the inquiries. They said the reason was that I did n't identity them properly, so I am doing so here so there is a record of it. 

Unauthorized inquiries : XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 If for any reason they have an excuse not to delete them, I DEMAND to see the following : Permissable Purpose ( Pursuant Section 609 FCRA ) Verbal or Written Authorization ( Pursuant Section 609 FCRA ) and their detailed procedure for investigation ( Pursuant 611 FCRA ) Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
the credit bureau reinserted XXXX back into my file after deleting it one week prior.

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 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I noticed XXXX hard pulls on my credit, I first sent letters to each creditor that had pulled my credit and NONE were able to provide justification for the inquiries. I then disputed with TransUnion via letter on XX/XX/XXXX, I received a notice that the investigation had begun on XX/XX/XXXX. After failing to receive evidence of the validity of the pulls, I sent a letter via certified mail on XXXX requesting that the pulls be removed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). TransUnion responded stating that the investigation was started ( the same generic form letter I received on XX/XX/XXXX. I then filed a complaint with CFPB on XX/XX/XXXX. TransUnion responded with the same generic response and told me to contact the creditors directly ( I ALREADY DID!! ) PLEASE enforce the Fair Credit Reporting Act and force TransUnion to remove these unauthorized inquiries. I am also filing a complaint with the FTC.

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

Complaint narrative:
There has been a judgment on my credit report from XXXX XXXX that I 've always assumed was mine since I originally had a XXXX XXXX Card. I 'm in the process of buying a house and pulled my credit report and there was another collection from XXXX XXXX. I called the collection company and verified that was actually my account and paid it. I then called the company in charge of the judgment and found out that the social security number does not match my name. I contacted XXXX XXXX who admitted that the account was fraudulent and that they will have it removed but it 's still on my credit report. I 've always indicated that I 've only had XXXX XXXX XXXX account so I would like them to clear this up and take this off 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 2016-06-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: RR Resource-Recovery
State: NY

Complaint narrative:
I checked my credit report today and found a collection item reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX.for a small balance medical debt. I called the phone number provided : XXXX and was greeted by a man named XXXX. He asked me for my SSN # to which I obliged. He immediately said " you owe $ XXXX, what is the card you would like to use? '' to which I responded : " is this call recorded '', XXXX answered, " no ''. I asked XXXX what is the debt for and he advised it was for a medical debt ; however, he did not say who the original creditor was. I provided my credit card number to XXXX and he ran the payment and gave me a confirmation #. I asked XXXX if he was a debt collector to which he replied yes, so I asked him why did he not state the original creditor name, to which he replied that he is not required to. I then asked XXXX for his last name and he replied that he does not want to provide his last name. I told him he is required to provide his full name, and he replied that he will not because his office services " local accounts ''. I proceeded to ask XXXX why he failed to read me my miranda rights as required by the FDCPA to which he angrily and loudly responded : " I 'm transferring you to my supervisor '' and he transferred me to a voicemail for a woman. I left a voicemail. 

XXXX violated the FDCPA multiple times during our interaction : 1 ) Section 807 - False or misleading representations. XXXX did not disclose that he was a debt collector collecting a debt. This is false representation and deceptive means to collect a debt. 

2 ) Section 807 - False or misleading representations. XXXX did not disclose that he is a debt collector, and that his communication was an attempt to collect a debt, and that information obtained would be used for that purpose. 

3 ) Section 807 - False or misleading representations. The company is reporting debt to the XXXX major Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) using the business name " Law Office of XXXX XXXX XXXX XXXX '' ; however, the company 's true entity name is " RESOURCE RECOVERY ''. Resource Recovery is not now, and has never been, an attorney or had the capacity to act in a way similar to an attorney. This is False and Misleading representation by definition and unfair collections practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view 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 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is not doing a proper dispute investigation for 2 tax liens that are reporting on my credit report. The information has been verified and deleted from the other 2 credit reporting agency 's which is XXXX. ( they deleted them ). However transunion keeps telling me that the information is correct and has been verified. This is wrong because I did Not have 2 tax liens to begin with. It was only 1 tax lien which was paid in full. I had contacted the XXXX clerks office and it was agreed this information will be deleted from my reports. Transunion still has not deleted them and it is causing a hardship in me obtaining substatial credit as it is affecting my credit score in a negative way.

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 2015-08-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I completed and returned the complaint form and they said they did n't receive it so I tried to call and could n't get a live administrator on the phone .My Name is XXXX XXXX and I can be reached at XXXX I would like to speak with someone about my participation complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 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:
After reviewing my credit report I found that this item was fraudulently placed on my credit during my time of XXXX. The Account is : XXXX XXXX XXXX amount {$4700.00}

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 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Ageny will not permit me, as a paying customer of theirs, to utilize the online dispute process for which I am paying a premium to use. 

" Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone. ''

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