vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I contacted Transunion requesting that information on my credit report be updated to show the correct status. The accounts listed below were all included in my bankruptcy in XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX. These were the only accounts that I asked Transunion to update to show included in Bankruptcy. Transunion went in and updated all of that information as requested, sent me an email stating that your request is complete and XXXX month later, after the request was complete I received an email from XXXX XXXX indicating that Transunion had removed XXXX more accounts from my credit file. The XXXX that they removed were XXXX Account # XXXX which was opened XXXX, pay status : Paid or Paying as Agreed and XXXX Account # XXXX which was a joint account opened in XXXX Pay Status : Paid or Paying as Agreed. Prior to Transunion removing these XXXX positive accounts from my credit report my credit score was XXXX. After they removed these accounts my score has fallen down to a XXXX. I have contacted Transunion XXXX concerning this matter and have asked them to correct their error but they simply refuse to do so. I was told by XXXX of Transunion Reps that I had asked that those XXXX items be removed from my account and when I told them I had not and if they had proof could they send me proof that I had indeed disputed those XXXX items I was told by the rep that they could not send out that information even though it was supposedly on the letter that I sent them and during my XXXX call asking Transunion to fix the errors I was told that if I wanted proof that I would have to get a court order for them to send me a copy of the letter showing that I disputed those XXXX items. I never disputed those XXXX items because they were reporting correctly and I would not have had a reason to do so. They simply removed positive information from my credit file, demolished my credit score that was finally improving after many years of it being poor and then to add insult to injury the rep that I spoke with along with the supervisor said there was nothing they could do and if I wanted those items to be included in my credit file again I needed to contact the creditor and she hung the phone up in my face.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17 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: TX

Complaint narrative:
MY ACCOUNTS ARE ALL LOCKED DOWN AND SAYING THAT I HAVE BEEN MARRIED AND ALSO HAVE A NEW HOUSE I AM RENTING OUT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is unfortunate that this will now be the third complaint against this CRA with the CFPB. Basically, per the CRA credit report several accounts were supposed to have been PURGED as of XXXX 2016. This has already been completed by XXXX, however, TransUnion is confused and naively believes that they have to " verify with the data furnisher ''. Per CFPB complaint XXXX the CRA was supposed to delete XXXX accounts and XXXX collection account per the FCRA- SEVEN YEAR REPORTING EXPIRATION.

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 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Victim of identity theft.Theft purpatraitor destroyed my credit running up a bunch of bogus accounts .reported to credirmt reporting agency and have a difficult time getting items removed that do not belong to me.they also have wrong names there is a XXXX XXXX XXXX And a XXXX XXXX And XXXX XXXX XXXX of these are mine name.XXXX XXXX no middle name or intial.please remove from my account. Thank u

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 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:
Transunion added, previously deleted inquiries from my credit report. A couple of weeks later, those same deleted inquires were placed back in my file. I spoke with several representatives that in fact advised that they had experienced a glitch in the system and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promise.

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 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not checked my credit report in a very long time. I was wondering why I was unable to open up a bank account, so I ordered a new credit report and noticed a lot of items on there that were not mine. I believe I am a victim of Identity Theft and would like you to please look into this because it is simply affecting my credit score. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Bank charged me an overdraft fee on a debit card. 
1. Sufficient funds are on deposit. Ally delays all deposits for several days. I do not know why - and frankly, I do not care why. They have MY money. 
2. If there are not sufficient funds for a debit card purchase, they should decline the transaction. This is law. The FACT remains - I have sufficient funds on deposit. 
3. If someone came into my home and stole from me, I could shoot them. 
I DEMAND MY MONEY RETURNED IN FULL. 
Further, I request a {$35.00} fee for theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently began to receive calls from collection agencies for accounts that I never opened. I reviewed my free credit report, and found several accounts, including student loans that I never applied for. I have initiated an investigation, and added a fraud alert.

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 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I disputed an " Adverse Account '' with Transunion multiple times in reference to an old account which is : XXXX Bank, a revolving credit card account which I included in my Chapter XXXX Bankruptcy filed on : XXXX XXXX, XXXX. XXXX stated they did not XXXX I filed for bankruptcy until XXXX in which they then closed the account. 

I submitted a letter to XXXX regarding the closing date which they admitted was in error, and should have been in XXXX not XXXX, but have not responded to my letters, or have submitted this correction to Transunion, so Transunion can delete this account from my file. 

Transunion stated that by me continuing to dispute this information was frivolous, and that they were reporting this information correctly with the Fair Credit Reporting Bureau. Transunion is reporting this information with " account included in bankruptcy under " Pay Status '', and Chapter XXXX Bankruptcy under " Remarks. '' Transunion removed the Chapter XXXX Bankruptcy from my file, but not the XXXX account, which should have been removed in XXXX XXXX, XXXX. 

Transunion has the removal date as : XXXX XXXX, XXXX, not XXXX XXXX, XXXX, which would make this account 9 years old. 

I am requesting that Transunion update, and remove this account immediately from my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have been trying to get loan modification assistance thru Wells Fargo for over 10 months now. Each time I submit documentation for review they continue to request the same information over and over again and claim they do n't have it. I recently reached out to them on XXXX XXXX 2016 and spoke to : XXXX XXXX in the REENTRY DEPT XXXX where he requested documents for review. He stated upon receiving the documents as long as they were uploaded and received 8 days prior to my foreclosure scheduled date of XXXX/XXXX/2016 they would postpone. 
I submitted 100 % of requested documents but after faxing them in on XXXX XXXX 2016, they stated they all documents requested were not received. The initial list of documents they requested on XXXX XXXX changed so when I recently called them the list of documents changed and stated the file was incomplete, I feel they purposely added more documents in their notes so that my file would be incomplete. 
I have requested a reinstatement quote over 30 days ago and have yet to receive it. Documents where faxed to Fax # XXXX In addition to this issue each time I am denied they fail to provide me with letters stating why and do not give me the opportunity to appeal their decision, when I do ask for copies of the letters they state they were mailed but yet I do not receive them.

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 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I noticed an incorrect item when I received free credit report from Transunion. I contacted data provider ( XXXX XXXX ) immediately and data provider resolved the issue after reviewing the facts. Data provider notified me that data provider will take care of notifying to credit reporting agencies including Transunion. I called Data provider to verify and confirm that they have notified credit reporting agencies and data provider confirmed that all data has been updated with credit reporting agencies. I did not get any notification or revised free credit report from Transunion even after filing dispute with them. But another credit reporting agency, XXXX resolved the issue as soon as data provider resolved the issue. 

Transunion did not take any action on this even after I disputed this specific item online using their website XXXX 
1. I expected notification or revised free credit report from Transunion after incorrect information has been corrected. This did not happen. 
2. I expected an email notification from Transunion after I disputed this item. There is no notification from Transunion. 
3. I am checking the status online daily few times and do n't see any kind of update except that their target date is sometime in XXXX. 

When data provider and another credit reporting agency XXXX XXXX XXXX confirmed that they resolved these issues, why is Transunion not taking any action and why are they ignoring my requests or service provider updates? 

I hope practices of these credit reporting agencies will be reviewed and their standards will be improved to ensure that customer information is kept up-to-date with data providers. There is no need to waste consumers time for data synchronization issues between credit reporting agencies and data providers. I am hoping that Transunion will review data from data provider and take prompt action on this matter. It is really frustrating consumer experience dealing with issues like these that should have never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
Hello, Ill try and make this short and sweet ... 
I have been diligently trying to get back money from my mortgage company for overages that I have paid the last 3 years. Bayview loan servicing has been collecting too much money for my escrow since XX/XX/2014, when they purchased my loan. I am a XXXX veteran who is tax exempt, I have the documentation from the county to prove this. EVERY TIME I call Bayview, I am pushed off to the next department with a different answer and a different resolution ; none of which has gotten me anywhere. I 'm XXXX. I do n't have the time, the resources or the patient for this treatment. I have asked a gal from my local credit union to help because Bayview has pushed me off time and time again, that its going to put me in the hospital. XXXX, my local banker has advised me to contact you to see if you can help. She has tried to fax, to upload, and to call when told to follow up the past 2 and a half weeks. She has had no luck. The last service representative she talked with, even hung up on her. She has been requesting an " escrow analysis '' of every transaction to date since they took over the account in XX/XX/2014. 
I want to know where my money has gone, why they have n't adjusted my payment to reflect the fact that I do not have to pay taxes. I want to know why this company pushes me off, I want to know why they wont help me. I just want the statement and I just want my money. Why as the " professionals '' will they not help? I pay my mortgage every month, on time. I have for the past 3 years while they have had my loan. I hope you can help me, I hope someone will hear my cry for help and make sure that this company does n't treat anyone else like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Y'all do n't have my address some one gave a fake address for me which is not mines mine is XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please contact me and correct this issue thanks in advance for your time. ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have several accounts at ALLY BANK. Ally Bank does not have a relationship with XXXX, but that program was able to access data from some but not all of my accounts. I reported this data breach to Ally but they were unconcerned, even though they could not explain why XXXX of my several accounts were accessible..

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 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on two payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?

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 2017-02-26 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 recently checked my credit report with Transunion on the XXXX of this month. I noticed that a few inquiries were removed as well as a account for XXXX. I checked back today and I see that those same items was reinserted back on my report with them notifying me via mail within the five day according to the FCRA. The dates on all these accounts was changed to reflect current dates which is also not legal. XXXX changed there name when they was added back onto my credit file.

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 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Account # XXXX with XXXX is showing late XXXX, and XXXX even though I paid them off on XX/XX/XXXX. I spoke to the manager at XXXX XXXX and the problem has not been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 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 currently have XXXX accounts with XXXX XXXX XXXX XXXX. I had recently seach out to the creditor concerning multiple account listed on my Trana Union Report and they stated the other accounts with be removed in XXXX - 45 days. While just viewed my reports again after the conversation with XXXX XXXX XXXX XXXX and the XXXX accounts that were supposed to be removed are still appearing on my reports.

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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting a debt they say I owe but refuse to provide me with any supporting documentation. They have violated the Fair Debt and Collections Practice and refuse to remove the information from 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 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, XXXX, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.

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: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A dispute with XXXX XXXX XXXX was made regarding derogatory information reported. 
CFPF File Number XXXX resulted in XXXX issuing a letter dated XXXX XXXX, 2016 wherein they stated that XXXX removed the trade line from all credit report effective XXXX XXXX, 2016. 

The derogatory information is still being reflected by TransUnion. I visited the US Office of Personnel Management account I have and found that as of XXXX XXXX, 2016 the derogatory information is still reported by TransUnion. This is negatively impacting the mortgage rates I am currently being quoted.

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