vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This is a fraudulent account. This needs thorough investigation and the assailants convicted. I need this inaccuracy removed immediately. Multiple 'Demand for Verification docs as well as direct Credit agencyy contact has been to no avail and the Sheriff 's Dept can not do anything about it. TransUnion is a laughing joke of white privielge that never fixes their f ups either.

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 2015-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
I have used Ally as my primary checking account for receiving my direct deposits, paying bills, and using a debit card. This month my mortgage payment to XXXX XXXX XXXX was scheduled to be received by the bank by the XXXX. On the XXXX I was assessed a late fee of almost {$40.00} because my payment had not been received. I contacted Ally bank to ask about why the payment had not been received and was told " We do n't know why it is n't there '', " It hasnt cleared your account '', and " It should have made it on time ''. When I asked if I could cancel that initial check since I have no idea where it is, or if it ever did get sent so that I could ensure I could pay my mortgage over the phone or through XXXX XXXX XXXX 's website instead and not having to worry about needing enough funds to cover when the initial check cleared I was told that there was a {$15.00} check cancellation fee unless I waited until at least 10 days past the anticipated received by date. So now I am stuck with a {$40.00} late fee, a late payment on my mortgage and credit history, and a fee to cancel the initial check that still has n't made it to the bank, which leaves me with no way to pay my mortgage currently until I wait out the ten days, cancel the check, and finish transferring all of my money out of Ally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been unable to reach Trans Union to cancel my membership. They keep charging me {$17.00} a month because they do n't offer an option to cancel auto-pay, but you ca n't reach anyone by phone. 
The website provides only a toll free number to call, but you never get a live person. I have called the number posted on their website ( XXXX ) four times.The hold times ranged from 18 minutes to 43 minutes but I could never reach a representative. The " Click here to cancel '' link is broken, and they do n't provide a chat or email option. 
This seems like deceptive business practices.

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 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my request to investigate, verify and remove XXXX account from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In XXXX, i signed an agreement to be a coowner on a auto loan with someone. The original lender was XXXX Bank. They are now Ally Bank. I 've paid this car note on time XXXX the term period which ended in XXXX. The primary borrower on this loan made an agreement to keep the leased vehicle and convert it into a loan with only the primary borrower on it. This agreement was made when the company was XXXX. This request was not honored and the vechile was returned to Ally Bank. Without my knowledge or consent, the primary borrower made an agreement with Ally bank concerning the surplus charges that were owed. I did not agree with this nor was i advised or asked to sign anything concerning this. I made the required payments in which i was obligated to pay. Never a late payment or bad history. This is on my credit report and it should not be, I never agreed to anything concerning the unpaid amount or surcharges. My name should be removed from this debt since the primary borrower has agreed to pay this debt. The agreement did not involve me.

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 2015-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I would like to request an investigation into the practices of Ad aAstra. I have repeatedly asked them to remove their account from my credit report as it is not valid an they simply refuse and are putting me through loops. I do not require any further action against this account that has been placed against me for years. It is amazing to me how they continue to deny deny deny ever harassing me via telephone, they are refusing to acknowledge my dispute of these accounts fro the past XXXX months, they are refusing to accept the fact that I am aware that they break laws that affect consumers ' lives and they do not care! I am not going to go forth with any more communication with this company. I have files every necessary document and I have forwarded everything through the XXXX credit reporting burrows asking them to forwards my findings and my dispute to this company. I have also filed a dispute via fax and mail with Ad Astra and have NEVER heard back from them after they kept verifying the inaccurate an fraudulent accounts to me over and over again and never ever telling any of the bureaus why, how and when these were verified or how they were accurate. I do not understand how and why they continue to make me relive this nightmare and this horrible account under my name. I am a new graduate I am trying to get my life back together and I have run out of options and this company is trying to shut me up shut me down and push me into a corner over an account that was never opened by me. I have to start my life and they are holding me back. I have been denied credit cards from XXXX, XXXX and a car loan because of this collection! I am so appalled at their practices and I will absolute take this case as far as I can go. I am certain I am not the only XXXX in this situation. And please DO NOT deny the fact that you use robotic machines to leave message after I refused to pick up your phone calls. You are certainly guilty of that and in my state, of California, that is not something you are allowed to do. And thank XXXX for this website an their twitter account, or else how would i know!?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ 76.00XXXX XXXX $ XXXXXXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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:
I asked for a XXXX, XXXX, be removed as it is too old, from 2006, and the credit agency just added " new '' information that was already there. I want this removed as it has been 10 years! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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:
I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my seventys and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all three credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not received any correspondence from either XXXX or TransUnion during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I have been disputing my personal information to TransUnion. XXXX sent a copy of my XXXX and ss # with my correct name since XXXX 2016. Everytime I talk to them they claim that ca n't change my name because I have account in my maiden name XXXX. However that 's not my legal name and I refuse to let them keep disrespecting me. When they send me mail they say XXXX XXXX XXXX. That is not my legal name and they should respect that. Why do the government allow the credit bureaus to do what they want. I 'm going to file a law suit for wrongful use of my name if TransUnion ca n't get it right. I know the law is that if my legal name is XXXX XXXX XXXX TransUnion suppose to honor my name and stop discriminating and disrespecting who I am. I want my mail and my credit report to display who I am. Thankyou

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 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion lists a {$300.00} claim under collection by XXXX XXXX XXXX ( XXXX ). 
This is listed incorrectly as I paid it in full and XXXX is aware of this. Obviously, my credit score is lower with Transunion than it should be and I need this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
To whom it may concern, To those that follow the markets you might know that XXXX interest rates will rise over the next few years. But if you 're not aware of financial trends, a 1 year adjustable mortgage might sound tempting but it is utterly foolish since such a mortgage will only get more expensive over the next few years. Hence my surprise when XXXX sent me offer to swap my 30 year fixed rate mortgage for a 1 year adjustable mortgage based on the XXXX. Are we going to get into the same mess that brought ruin to both XXXX XXXX and XXXX XXXX XXXX years ago? Why is XXXX offering products that they know are not in the best interests of consumers? Please ask XXXX why they think this is a good offer? Why are they not offering me a 30 year fixed mortgage refinance?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I signed up for a credit reporting service with TransUnion for a XXXX dollar charge. Later I learned they were charging me {$17.00} a month. I have stopped the charge but they will not refund {$35.00} charged to my credit card account. I did not know there was a recurring charge when I signed up. 

I am a college student and just starting to use a credit card. If TransUnion had disclosed the monthly charge, I would not have signed up. It is not worth it to me. I believe this is unfair and deceptive. 

Will you help get my money back and have TransUnion stop taking advantage of people? 

XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: World Acceptance Corporation
State: NM

Complaint narrative:
XXXX from World Finance ( XXXX - XXXX ) shared my private information and conversation that I had with her with XXXX at XXXX XXXX ( XXXX ). I have payday loan accounts at both places. 
I had told XXXX that the next month or two were going to be rough but that things would smooth out eventually ; and that I would be late on my payments. I told XXXX that my Nephew gave me a XXXX dollars to pay on my loan but that he could not afford to pay the late fee. 
XXXX then sent over a person to my home to harass me for the {$15.00} dollar late payment. And they called me often. 
During the next day or so XXXX from XXXX XXXX here in XXXX NM called me ( though I was not late on that payment ) mentioned World Finance and harassed me & gt ; telling me that they did not set up a loan with my Nephew but with myself. XXXX from XXXX XXXX could not have known any what she mentioned to me with out having had a conversation with XXXX at World finance. 
It is true that I am having a difficult time right now making my payments. I am an older widow ( XXXX years old ) and XXXX on a fixed income. 
There is also no way to negotiate with these payday lone companies. I have offered to make smaller payments to catch up ; which they have refused. And that is obvious considering the fact that XXXX from World Finance sent a person to my home to collect the {$15.00} late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following is always a deciding factor when apply for or requesting increase line of credit. 
" Too Many Serious Derogatory Items '' I filed bankruptcy and was granted 6 years ago XX/XX/2017. There are no other derogatory items listed to be considered too many serious items. My credit report shows a good credit history and excellent payment history.

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 2016-12-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RMB, Inc.
State: FL

Complaint narrative:
through my own investigation I found the Original Debt is from XXXX claiming I had a balance due of {$1300.00} not covered by my medical insurance from my child 's hospitalization on XX/XX/XXXX. I am Still disputing billing practices by the hospital and medical coverage. 

The debt collector RMB INC not only has failed to respond to certified DEBT VERIFICATION requests. They have changed the activity date to " re-age '' the account. The latest date list the account active as of XX/XX/XXXX. I have only communicated with RMB INC once when I sent a debt verification request. I have not had any other communication with the original creditor or debt collector since XXXX. 

in reference to the debt verification RMB INC has not provided me with a response for the following requested information : 1. What the money they say I owe is for ; 2. Explain and show me how they calculated what they say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Prove that they are in the same State and County where this allege debt was incurred ; 8. Show me that they are licensed to collect in my state ; 9. Provide me their license numbers and Registered Agent. 
These questions should be answered also : 10. Who is the current owner of this alleged debt? 
11. Who is the original creditor for this alleged debt? 
12. If RMB INC is the current owner : a. When was it purchased? 
b. Who was it purchased from? 
13. Have you assigned the alleged debt to another entity for collection? If so, who? 
14. If B INC has sold or otherwise transferred this alleged debt, to whom was it sold and when? 
15. Proof of last day of activity

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of Identity Theft, and I am trying to dispute inaccurate items 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 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have inquiries on my credit report that do not belong to me- 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 explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a XXXX Fraud Alerts email on XXXX XXXX, 2015 asking if I had made a purchase for my XXXX XXXX account in Florida that day. I contacted the bank, they stopped the payment and issued me a new credit card. I changed my passwords and upped my security. Two months later, when using XXXX XXXX again, I noticed another person 's name and number on my account. I contacted XXXX and they advised me to file a police report. I went to the XXXX Police Dept and filed an identity theft case on XXXX/XXXX/15. They advised me to run a credit report and see if my credit was affected. When I ran the report on Experian, I noticed a XXXX credit card open in my name with a balance of over {$4000.00}. Only the first XXXX numbers of the account were visible and I do not recognize them. I called XXXX Fraud hotline yesterday to inquire and they informed me this is connected to an account that is either closed, purged, or deleted. I told them that I have never closed an account with a balance on it, and furthermore, the recent transactions on this credit report item indicate that there are monthly payments being made, and the balance has XXXX risen and fallen during different months between XXXX and XXXX of this year. I am concerned that there is an apparently active account in my name that XXXX is denying its existence. I do n't know if this is a rogue banker, a computer error, or a systematic problem similar to what XXXX recently discovered and filed against 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 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had a credit card account that charged off, and I later paid it via the collection company. It was XXXX early XX/XX/XXXX. Experian erroneously reported XXXX day late status for XXXX and XXXX, on the original old/closed tradeline XXXX XXXX XXXX ). This caused my score to dip nearly XXXX points. I disputed this XXXX times. XXXX in writing, XXXX online. Each time to no avail. I want the account to show paid/closed, and with no new negative information in XX/XX/XXXX as this account charged off in XX/XX/XXXX. The XXXX months of late payments in XX/XX/XXXX need to be removed. ( see attached dispute letters detailing the status and history )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief