vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I bought a vehicle long time ago in XX/XX/XXXX I was almost payed off in XX/XX/XXXX until it was illegally towed away by a tow truck company, and my car was not repoed by current car company. The car was resold, and any debt incurred should be billed to towing company who stole the vehicle from me years ago. This was a loss to me, and my insurance company could not help me. Police was involved, and as the XXXX vet they just allowed it, and I had to get a lift from the cops just to get home way across town, and it was barely 30 days after I graduated from college where I was still on food stamps. This was a damage as well as a loss I am not responsible for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
for three months TransUnion has not been able to give me credit score

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 monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
I have disputed a debt with XXXX XXXX on my credit. The date of original debt is listed as XX/XX/XXXX, however the date of the original debt goes back to XX/XX/XXXX. I have filed multiple disputes with Transunion and they verify that the social security number is mine but not the date. The original creditor XXXX XXXX no longer has my file as it is more than 7 years old. XXXX XXXX will not respond to requests to give dates of original file or remove the file even though it has been reaged and is against FCRA rules.

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 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My wife and I are separating and we want to remove my name off her vehicle lease with Ally Financial ; however, Ally wants to impose a {$590.00} fee to do so, albeit this fee or disclosure is not in writing anywhere in the contract. I mentioned this to customer support at Ally and they stated, " yes, it is not in the contract you signed. '' Since this is not in the contract that both parties agreed to, this is clearly a non-enforceable policy. I find this a breach of their own contract and an illegal attempt to collect money. My ex-wife can qualify on her own and does not need me as a guarantor. The lessee will remain the same with the removal of my name. No one is being added to the lease. I do not see how they can impose this fee.

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 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I filed bankruptcy in 2007 it is still showing on 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 2016-01-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am trying to dispute information on my credit report with TransUnion but they are not asking for my documentation. TransUnion investigation results are listed this is a joint account verified, NO change. This company is collecting for XXXX at XXXX XXXX apartments, whose management company is XXXX XXXX XXXX, who have done nothing but lose payments and over charge residence at this property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is reporting wrong information in my credit report they are reporting and account that does not belong to me is from a collection company that is probably braking tha law also by reporting wrong information on people 's files to see if they can damage their credit without actually investigating if the account belongs to that particular consumer. 
The name of this collection company That I have never hear of is MONTEREY collection svc.

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 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Fair collections and out have reported inaccurate information to transunion, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but transunion refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and XXXX ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected 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 2016-09-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I woke up to a collection call from Ally financial at XXXX in my time and they left me a voicemail. My understanding is they are only allowed to call after 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 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted my dispute to Transunion with all of the required identity verification. I received a letter from them dated XX/XX/2015 informing me that they would not conduct an investigation because I provided incorrect proof of address but I did not as you will see from the attached documentation that was notarized. I want Transunion to stop stalling and do what they are required by law to do under the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report was given to a company and marked as a hard inquiry on multiple separate occasions when the creditor had not bearing or rights or permission to have full access of my credit report. I ask that these be removed from my credit report as I did not authorize access to a full credit report to be obtained by the following companies! 
XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 2016-10-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My parents ( XXXX and XXXX XXXX ) had a reverse mortgage on their property at XXXX XXXX XXXX XXXX XXXX XXXX. This reverse mortgage was recorded with the City of XXXX from XX/XX/XXXX-XX/XX/XXXX. My father passed away XX/XX/XXXX. My mother repaid the mortgage on XX/XX/XXXX. My sister and I want to put the property in our Mom 's name. Due to doing a title search. There is still an outstanding lien. The Financial Freedom Company has not completed the process of submission to the City of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Did n't verify collection, no contract, no signuture

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 2016-12-05 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I contacted ad Astra initially to verify the debt via certified mail. They did not give me any paperwork stating that the debt was verified as mine and the collection went on my credit report without verification. Months later the money I owed was automatically withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter from XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something TransUnion did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with TransUnion that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.

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 — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an address on my report for XXXX XXXX in XXXX, Texas. I have never lived in or rented a place in XXXX, Texas. I was in the military and XXXX, Texas. I have been living at my current address since XX/XX/2000. As an XXXX in the XXXX with a house note and XXXX children I did not have the money to pay for XXXX residences + care for my children and household here. XXXX is also outside of the travel area I would have had to put in for passes to travel that far. Between my children 's school attendance and my duties working at XXXX XXXX XXXX which meant that I seldom off both Sat and Sun which would have left me with no time to travel to and from XXXX even if I wanted to. I have tried to contact the address but was told that the property had changed hands many time and they could not verify any information on the person they rented to. I know that there is/was a XXXX XXXX listed in the XXXX area but it is not nor has it ever been me. I would like to have this address removed 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 non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I took a loan out for a car and realize that the payments where too much for me to make. Asked company to reduce the payments and the company refused, forcing a possible default on the loan and a repossing of the car. ALLY FINANCIAL.

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 2017-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK
State: AZ

Complaint narrative:
I opened an account with First Bank. I opened initially with a direct deposit of usd XXXX to learn how this bank operates. i found that this bank is not transparent how they handle the overdrafts/direct deposit. My direct deposits should be on the XXXX & XXXX and in some cases 2 days prior is in the system. However, when i had a pending transaction the bank only credit my direct deposit after they processes the overdraft charges. This happens several times, I received direct deposit in XXXX banks and when my money was available with the other bank, First Bank did n't put the money in my account, until they charged the overdraft. 
When i was overdraft i asked them to send me an email so in that case i can go to the bank but they were n't consistent .in some cases they sent a note via mail. The post mail is not actomatic and can take couple of days. However, I received several days after. 
Last thing that I found was ... .they deactivated my card without calling/sending via mail or email a note. I had a balance of XXXX in XXXX/XXXX and Usd XXXX in XXXX and a payment of XXXX should be paid in XXXX/XXXX. The company sent me a letter telling me that because the payment did n't go through they will cancel the warranty. They do n't follow any rules or regulation that the banks need to follow. I felt treated unfair as a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Inquiries were removed from my transunion credit file and added back. 
There was no 5 day notice given to me the consumer. This is a violation on FCRA Section XXXX. Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I paid to receive my credit report and score from the XXXX bureaus from the Transunion website. They charged me {$1.00} for setting up an account in order to view this information. I saw no warning or disclaimer saying I would have to cancel a subscription in 7 days or be charged a subscription fee of {$17.00}. After a week I was automatically charged {$17.00} for a subscription that I was unaware of. It 's abusive and deceptive practice to automatically charge someone 's credit card in this manner. There should have been a more clear option to sign up and pay for the subscription separately. Per the customer service representative, the disclosure was given when I gave them my credit card number initially, but this was not very clear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to the XXXX dealorship to shop for a car in 2014 and they sent my information to multiple lenders. Now my credit report has several hard inquiries. I later learned that this takes up to two years to come off your credit. I am trying to rebuild my credit and this issue did not help my score at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please See Case Numbers:XXXXXXXX is collecting a debt on behalf of XXXX XXXX. This in my opinion is a fraudulent attempt to collect a debt that is not owed to XXXX XXXX. This obligation was satisfied by signing over ownership to XXXX at which time they sold the car and kept the proceeds. At the time, I did n't realize that XXXX will attempt to collect XXXX after keeping the proceeds from the sale I made a written complaint to Trans Union asking to verify the debt from XXXX. Trans Union claimed in writing that the debt was verified and will remain on my report. I called XXXX and they stated that they did not verify the debt and do not make any attempt to verify the debt. If XXXX claims the money is owed, then that is sufficient validation for them. XXXX has already removed this Claim from XXXX as XXXX could not prove that any money was owed to XXXX or them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX. I applied for my credit report on line from Annual Credit Report.com. I filled out all of the information sheets. XXXX and Trans Union wanted a questionnaire filled out of personal info I should known. I filed the form out and XXXX refused to give me my on line report XXXX wanted me to write in for the report. I fill they are discriminating and would like to file charges. Please follow up so I 'll know what to do how to file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I am a XXXX Veteran. On XXXX XXXX, XXXX I had Total XXXX to repair an issue I 've had since I was XXXX to XXXX in XXXX. Before my XXXX, I contact Ally Financial to work out an arrangement so that I would not go delinquent on my car loan. I was not given any options to prevent this from happening. As I was unable to work and I had to wait for the VA to approve my Temporary total XXXX for my XXXX, I was unable to make a payment. I contacted them again once I was able to make a payment and was then able to make a payment arrangement, however, because of Ally 's unwillingness to help before that point, my credit score took a XXXX point hit. I am in the process of trying to purchase a house and with this late and the hit to my score, I am unable to use my VA 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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You have XXXX XXXX listed twice on XXXX/XXXX/15 ... you penalize me for inquiries and the count them twice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
i have asked them repeatedly to correct information on a loan with rise financial this loan was paid and on the credit report it says i still owe then they have not updated this account since XX/XX/2016 this is affecting my credit score and loans to get this needs to be deleted this loan was paid in XX/XX/2016

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 2016-04-07 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: FL

Complaint narrative:
I sent a letter to Transunion outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.

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