vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
I have started this process in XXXX XXXX and as I write this letter there has not been any resolution. My husband passed in XXXX of XXXX. He tried for a modification and he died before any resolution. So, I lost my job in XXXX XXXX, and been trying to keep up, but found it difficult and started the process XXXX of XXXX of modification and assumption which customer service representative stated I could apply for, and I find myself hitting the same brick walls.. In fact, today I received a letter from the mortgage company threatening to foreclose on my property ( demanding all monies due on the home ). Although, the customer service representatives are telling me and have been saying that I am applying for modification, not to worry. Every time I have called there has been a problem with what was sent, even though it is actually what was asked. In the beginning I did not call on a regular basis because I thought that the mortgage company was working on my file. The customer service representatives told me it could take a couple of months. But as time progressed I became concerned and begin to call and found out that no one was working on my file because the documents I sent had expired. One particular incident stands out to me :. So when I called to get an update, the customer service agent I spoke to this time stated that my P & L was not signed, so this is why no one has looked at your file.I was told that my P & L statement was n't accepted because I did not sign and date it. I had called at least XXXX times prior and no on ever told me that this was a problem. In fact, I had to send another P & L because customer service stated the last one was outdated and still no one stated that I needed to sign and date. Are you kidding me!!! And this has been the story until today. I am attaching a portion of the correspondence that has been sent to me during the process of apply for an modification. I think my documents should be reviewed in a timely manner and someone assigned to my account should send me an update on a weekly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Why is Equifax allowed to claim that accounts are mine when the company 's claim they have not told Equifax this and Equifax refuses to send the information sent to them by these companies. No wonder most credit reports have errors, it is like Equifax is a daycare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and I have unauthorized and fraudulent credit and collection accounts, and inquiries listed on my Equifax credit report. The following credit and collection accounts, and inquiries are fraudulent, unauthorized and do n't belong to me : 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 and XXXX XXXX., XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is carrying XXXX ( XXXX ) derogatory items and list them as open and unpaid. All my items have been paid quite sometime ago. These items, if they were mine, they need to be updated to show settled. Paid. Closed. etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my Transunion report, XXXX account and XXXX inquiries were removed and reinserted into my credit file on XX/XX/XXXX. I was not notified of the reinsertion within 5 business days as required. I have spoken with the Transunion special handling department on XX/XX/2017. Id would rather not have to file a lawsuit against the credit bureau to get this corrected.

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 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SIERRA PACIFIC MORTGAGE
State: TN

Complaint narrative:
Unethical and discriminatory lending criteria.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am re submit my complaint with Capital one Bank I have not had a Capital one Bank card. I had request copy of validation debit and the only thing I have receive statement and payment made at gram money for this o account. Until now I have never receive any paperwork or statement from this Company, My personal information has been used without my permission. I had send over multiple police and letter and fill out affidavit. I also send copy from my back account showing when I dispute an unauthorized transaction from this company. I I am sending all my paperwork also to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX was a joint automotive loan account with my ex-husband that he has missed XXXX payments since we have divorced. He has failed to remove my name from his financing, thus affecting my credit. How do I get my name off his loan info? It was ordered by our divorce decree that he take over full responsibility on the loan, yet he has not removed me from the title or loan documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: MI

Complaint narrative:
Sallie Mae called me XXXX times yesterday. I answered the phone each time and there was no on on the other end of the line. I called the number back and spoke with someone who claimed I owed an amount of {$25.00} and some change. I advised them that they had called me XXXX times in one day and the supervisor advised it was an automated system and shows they only contacted me XXXX times. After I ended the phone call because the supervisor and rep both told me there was nothing they could do about the phone calls until the bill was paid, I paid the bill online. The amount it showed I owed online was greater than what I was told on the phone, but I paid it all anyway. I received XXXX more phone calls after the payment was made last night. Again, no one was on the other end of the line. Today, I received XXXX more phone calls from the same number and no one was on the line. I tried to call them back, but ca n't speak with anyone because their office is closed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I have a fraudulent hard inquiry on my Transunion credit report from XXXX XXXX XXXX. I have had no dealings with this company nor did I authorize any credit inquiries on my behalf.

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 2016-11-19 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:
I previously disputed with Transunion inaccurate reporting of my XXXX account. XXXX accounts were opened on the same day and they switch reporting showing a credit limit/account number change in lieu of reporting XXXX individually. I have XXXX XXXX accounts and they will report XXXX out of the XXXX alternating between the XXXX with a current limit of XXXX and the other with a current limit of XXXX, these are XXXX distinctly different accounts.

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 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. TransUnion, specifically, is reporting late payments that i know to be incorrect and in XXXX TRANSUNION, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with TransUnion : XXXX How are you verifying these account when both you and XXXX are reporting different lates?? Tell me that?! I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX How are you verifying these account when both you and XXXX are reporting different lates?? Tell me that?! I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
We have a loan with ally auto. We have missed XXXX payments due to some unfortunate events. I called them and made payment arrangements I paid XXXX last week and XXXX next week on XXXX XXXX 2015. They accepted and said the calls would stop. During that phone call the lady stated that ally can reposes the car without sending a letter or informing us because they already sent a letter XXXX. So the lady stated the calls would stop. Made the XXXX payment and next week as i stated the rest of the payment ally keeps callings us nonstop XXXX times a day or more. We tell them we made an arrangement ally says they want payment now. They keep calling and harassing and saying they want the payment now when I have an arrangement that is notated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.

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 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group
State: PA

Complaint narrative:
This company, Premier Portfolio Group, has been calling my cell phone and now my work phone for months! They leave a recording saying that I passed a bad check with my name and SSN on it. That absolutely did not happen, I have nearly perfect credit and pay all my bills through my bank so this makes no sense. I have already reported them to the FTC and to my work, both advised me to ignore it but it 's driving me insane! They are obviously scammers and need to be shut down. The internet is full of similar reports about this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
1. My current emplyer and has been for the last 8 years is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. There are addresses listed that I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have told this company before that I have no inquiries made since XXXX last year and this was when I purchased my home. I should have XXXX inquiries currently other than XXXX one time. I also show that there is an account that I am not even the account holder on that shows negative. I have told them before that it is not mine and they still leave this account on my 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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
several years ago I was admitted to XXXX XXXX in XXXX. There was a balance which was sent to collections at that time. since then, the same balance is listed by more than XXXX collection agency and keeps being renewed although this was I believe 2009.

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 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Transunion was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.

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 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
customer service refuses to help me with the negative inquiries

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 2015-10-23 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 have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently disputed the accounts with both XXXX credit and XXXX billing due to the companies reporting on my credit XXXX. TransUnion, did not provide me with the dispute information that was returned by the creditors after the 30 days timeframe. After the allotted 30days to report info from these companies, TransUnion still allowed them to updated information to my credit. The beginning balances and account numbers are the same on each account, this is considered duplicate reporting. These companies have also, failed to provided my with documentation stating where the balance is coming from. This company has also, reported information multiple time within a month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
the social security number is wrong on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was calling regarding the data loss that took place also known as " inquiry issue ''. I had to call 3 different times. The first time I spoke to some lady and she hung up on me and I decided I would not call until Tuesday. I called just a little while ago and was hung up on by XXXX and then had to call a 2nd time and spoke with XXXX. I kindly asked XXXX to take the inquiries off my credit report and he refused to and instead told me to write letters and maybe hopefully someone will do something. I do n't appreciate that these major credit reporters XXXX over the working class. They expect us to continue getting loans and they continue to make money off of people that have low credit scores just continues to destroy the american public. In this case I should start charging transunion for every month that goes by and my hard inquiries are not removed I should charge interest on that because I know for a fact that if I am " late '' on a payment I know the bank will definitely charge me interest without a problem and expect me to pay for it.

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 2015-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliant Capital Management LLC
State: IA

Complaint narrative:
Pre-legal department of ACM keeps calling me asking for someone I know. It is a robotic call. The person they ask for does n't live in my home, but has put me down as a reference without my knowledge. I have no idea who this company is or what this is about. It is not my debt! I 've asked them XXXX to stop calling me ( XXXX/XXXX/15 at XXXX central time and XXXX/XXXX/15 at XXXX ). When I contact them they are rude ( over talking, raising their voices, asking me if I would loan ... money ) and say they 've taken me off their list, but they continue to call. This constitutes harassment in my book. I want them to stop calling!

Company response to consumer: Closed with explanation