vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Ad Astra Recovery Services has been calling outside of appropriate hours. 

XXXX called me on XXXX XXXX, 2016 at XXXX XXXX ; this is verifiable on my XXXX phone records. 

Also, I am a resident of California, and they violated the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have mixed files on my credit report. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Legal Item 4 ) Bankruptcy

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 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please see complaint # XXXX for a more detailed explanation. I am submitting this to formally file a complaint for Transunion. On XXXX XXXX, 2015 I accessed the Transunion web site to obtain a free copy of my credit report. I agreed to be charged {$1.00} for the report even though it should be provided for free. On XXXX XXXX, 2015 I was charged {$17.00} by Transunion. I contacted them to discover that I had apparently signed up for their credit monitoring service. I asked them to cancel it immediately and to reverse the charges. They did not reverse the charge but I am disputing the charge through my credit card company. Transunion engages in highly deceptive practices and consumers should be wary of accessing their web sit and certainly their services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This company said they would delete on numerous calls from numerous phone numbers but did n't, and they seem to be the type of company who does n't honor their own word since they did not take responsibility and delete as they said they would ( go figure ). Even with them not honoring their word, their are not reporting correctly. The balance for this account still shows {$310.00} dollars and as an active collection account on my credit profile. That was the balance when I made my settlement payment, and if we 're going to talk about accurate balances, it should show, in the least, a {$150.00} balance. With that said, it should reflect as a paid settlement with a XXXX balance. This is with XXXX XXXX XXXX and XXXX XXXX. I wrote a much longer complaint but my web page was somehow redirected to the previous page right before hitting the submit button. I blame it on my unsteady fingers, but I took the time to write another smaller complaint because this is not fair to me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit factors mentioned include finance loans, loan applications..Neither has ever transpired

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have disputed XXXX collections on my account multiple times and requested how this debt was verified and who they had spoken with etc. The only response I got from the credit bureau was that it had been investigated and found to be accurate with no description of how it was verified despite my repeated requests. For XXXX account, I even had emails from the company stating that it was to be removed, however, the credit bureau continued to refuse to remove stating that it was not sufficient proof that it should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have several accounts that were investigated and removed from my TransUnion Credit report. The problem I am encountering at this present time is item that was remove are appear back on my report. 
XXXX. XXXX XXXX XXXX. BRCLYSBANKDE XXXX. XXXX XXXX XXXX XXXX My recent credit score went down XXXX point this week.

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 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was informed by mail that my car loans financed by Ally was increased because of my XXXX background. I received XXXX letters ( packets ) in the mail about a class action lawsuit that is being persued against Ally, stating that I may receive compensation for their unlawful practice. There is a time limit ( XXXX ) that must be met. I 've sent the forms, and about 3 weeks later, I received a post card from Ally Settlement Administrator stating that they did not receive the forms. I have called XXXX times, and was told that I would be receiving another packet to fill out and send. To this day, XXXX/XXXX/15, I have yet to get it. What do I need to do? This has been ongoing since XXXX. I have the dates, times, and the persons ' names from when I 've called. Seems to me that they are letting the time lapse. Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called and spoke to representatives on numerous occasions and advised of my only name and address that should be on credit report. They said they were unable to do that. XXXX and XXXX had no problems updating the information. ( license attached ) They also will not remove XXXX hard inquires from " XXXX '' despite emailing and faxing a letter from XXXX stating they did pull any hard inquires. ( letter attached )

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 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
" This is not a duplicate '' I filed a complaint with the CFPB on Attorney General and XXXX XXXX XXXX XXXX, after disputing the debt collection practices by the Attorney General and XXXX XXXX XXXX it was agreed that the debt be written off due to improper collections. On XXXX/XXXX/14 at XXXX the XXXX XXXX the dispute to XXXX XXXX XXXX XXXX XXXX the dispute. On that same day XXXX XXXX XXXX reported XXXX of those collections on my Transunion Credit Report. For months this has affected my credit and other litigations with in my processes. On XXXX/XXXX/15 I spoke with the Attorney General XXXX XXXX XXXX about the credit reporting, he stated that it had been written off. I had mentioned to him about the XXXX fair credit reporting act violation that were placed on my Transunion credit report. He stated that the Attorney General has nothing to do with those reports that it was XXXX XXXX XXXX I then asked if XXXX XXXX was n't hired by the Attorney General as a third party to collect on the debt. Thanked him for his time and then called XXXX XXXX XXXX XXXX to question the Fair debt collection practice and the Fair credit Reporting Act. I spoke with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, stated that " they were written off on XXXX/XXXX/14. After giving XXXX XXXX XXXX to correct the issue I had to file a dispute with the Transunion Credit reporting Agency, after investigations the Transunion Credit Reporting Agency removed the false reports from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

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 2016-09-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Glass Mountain Capital, LLC
State: IL

Complaint narrative:
All these people care about is getting that {$400.00}!!!!!!!!! What I told them is irrelavant!!!!!! My spouse and I are struggling as it is with things!!!!! We do not need anymore XXXX added onto what we have going on!!!!! And I ai n't responsible for a XXXX THING!!!!! These people gave this account to a XXXX collection agency!!!!!! We 're sick of this XXXX!!!!! For real!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
BEFORE THERE BECAME A BALANCE I ATTEMPTED TO WORK WITH XXXX TO GET THE BALANCE PAID. THEY WERE UNWILLING TO WORK WITH ME. I HAVE EVEN REPORTED THE CUSTOMER SERVICE AND THE HANGING UP ON ME. LONG WAITS ON NUMEROUS SITES AS WELL AS HERE.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to have them removed because they causing me financial and emotional distress because of their derogative nature.

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 2017-03-05 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:
They re-inserted XXXX inquiries that had been previously deleted and old debt

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 2016-07-06 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:
INQUIRIES WERE REMOVED AND LATER RE-INSERTED WITHOUT NOTICE OR EXPLANATION. 

XXXX XXXX -- -XX/XX/XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/XX/XXXX. 
XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
All these inquiries are past twenty four 24 months should be deleted : XXXX CARD XX/XX/XXXXThe folowing were included in past identity theft complaints issues. 
XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX CARD XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a VICTIM of their " inquiry issue ''. back in XXXX my inquires were all deleted off my report, I called that day and transunion verified its right and okay, a few weeks later these inquiries appeared right back on my report, no notice from transunion, nothing i called again and i was speaking with a rude CS and told me they will remain on too bad now this is n't fair, they were removed and should stay off i have proof of it, removed was XXXX XXXX, XXXX XXXX, XXXX again, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( which did n't come back ) all the others came back and has hurt my score for mortgage, after transunion removed them, then did n't notify me of placing them back on i wouild like my already removed injuries back off, as in XXXX they assured me they would stay off

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 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I continuously speak to XXXX and still no response from Executive Offices. Another request with no response. Please advise. I am a very frustrated consumer. I paid of a Ally Financial Auto early due to the mileage. Over {$5000.00}. It was turned in to XXXX XXXX in XXXX, XXXX There is a {$150.00} charge Ally claiming the Lessee, ( me ) cracked the drivers seat plastic part. I did not crack the seat. I am a very small woman and wrote a letter to your Executive Offices as instructed by XXXX. Ally Executive Offices signed for the certified letter XXXX/XXXX/XXXX. To date no correspondence pertaining XXXX to my letter. 

Your representatives keep calling on a daily basis claiming never to receive any information from the Executive Offices and demand payment. 

Please assist it getting a frustrated consumer that did not incur this dollar amount closed on this Lease Account. 

The XXXX of being told this small dollar amount will go to collections and the numerous amount of calls each day needs to end. 

We are good consumers working with you and want to have the account closed. 

Please advise. This is my second email request. 

Regards, XXXX XXXX XXXX On XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX. XXXX XXXXXXXXXXXX XXXX wrote : Begin forwarded message : From : " XXXX XXXX. XXXX ; XXXXXXXXXXXX XXXX Date : XXXX XXXX, XXXX at XXXX XXXX EST To : XXXXXXXXXXXX Subject : Complaint To whom it may concern, I am a frustrated consumer and getting no help with a {$160.00} charge. 

I was told to write to executive offices and Ally has signed for it on XXXX/XXXX/XXXX and I keep getting calls and calls. 

What is next to dispute a small dollar amount. Calls start very early and go late at night. 

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 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Disputed account is well beyond the 7 year statute of limitation for being on a credit report but still remains.

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 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX AND AOriginal creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative came to my house and sold me a vision security contract. 
Their representative wrote on the contract that I would get1. Lower rate than my current provider2. One month free3. XXXX ( {$50.00} ) referral for my neighbor ( see attached ) When I did not get them, I faxed a desire to cancel ( see attached ) Complained to the BBB XXXX see attached ) Never were reimbursed for overlapping fees for XXXX security companies, as they advised the BBBComplained to the State of Utah XXXX see attached ) They never cancelled the contract and still holds me for the debt of the contract as if I had not paid for the entire XXXX year term!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2300.00}.

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 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I would like the late status for the rating to be removed from XX/XX/2010 as 30 days. So that my account truely reflects what it should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are numerous credit inquiries that are showing up on my credit report that were previously off of my credit. The representative told me that she did n't believe I was apart of the clitch that happened with their systems. I tried to explain to the representative that these inquiries were off and have been placed on my credit report and in some cases I am seeing the same creditor on their twice. These inquiries are really hurting my credit score and I am in desperate need of a resolution.

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 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It 's been almost 7 years that I paid off the amount of {$1400.00} and I 'm tired of contacting TransUnion about this error in my credit to be remove. I just want XXXX to remove this negative item in my credit because it 's hurting me to get a credit card or loan.

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 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Sale of vehicle repossessed never documented with transfer of ownership to relieve debt of monies owed affecting credit bureau information and negative credit worthiness. 

Ally failed to update consumer information after numerous requests to update sale of vehicle and update consumer file on accounts ( Joint ) creating negative information in credit bureaus affecting credit worthiness. 

XXXX XXXX Vin number XXXX ownership change never reflectedXX/XX/XXXX ownership change. Title XXXX. XXXX/XXXX/XXXX vehicle was in excellent condition in XXXX, hence the vehicle still being driven nine years later. 
Ally never updated their records when the vehicle was repossessed and then resold to reflect monies paid from sale of the vehicle. 

Numerous complaints are on the Internet of how Ally failed to account for sale of vehicles on accounts for many individuals affecting credit worthiness and collection amounts placed in credit bureaus without resolve. Nor do they respond to complaints or itemize charges for outstanding monies owed in the amount of {$3600.00} or show transfer of vehicles updated in real time when they occur. 

Ally provides one letter with total amount owed without explanation of charges or updates sale of vehicle ownership information leaving the financial burden on individuals affected by their lack of follow through or accounting of records on consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation