vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a CFPB complaint XXXX and the complaint was improperly responded to. The outcome simply states they will re-investigate. TRANSUNION 's lack of proper investigation is the reason for this dispute. 

I have submitted two disputes regarding the same item on my credit report. Account Name : XXXX XXXX XXXX- Collection Account- Alleged Account Balance : {$4000.00}. Both investigations failed to provide verification as I requested per my legal rights to do so, with the final investigation results being provided today. I have no knowledge of this account or debt. Research indicates the agency is a property management company, yet the debt is clearly listed as a medical debt on my credit report. This is ILLEGAL to make misrepresentation in order to list items on a credit report!! I have submitted disputes outlining this error, lack of knowledge of this debt or whom it belongs to. TransUnion claims it belongs to me, but provides no verification in the form of any such contract indicating I owe any funds to this entity. Under Section 611 ( 5 ) ( A ) of the FCRA CRA 's are required to promptly DELETE all information which can not be verified. If this has been verified, I want the name of the person providing the verification as well as their contact information and a copy of any evidence or contract with my signature as this does not exist. I am a victim of fraud and TransUnion is not protecting me according to my legal rights as a consumer. I fully intend to seek damages through legal counsel if TransUnion does not rectify this issue by deleting this damaging item from my report immediately. The law is very clear as to civil liability and the legal remedies available to me. This is most likely a result of TransUnion 's use of automated software ( XXXX ), which has incorrectly tied me to this debt or item on my credit report. 

PLEASE EXPLAIN HOW A RENTAL COMPANY CAN LIST DEBT AS MEDICAL DEBT ON MY CREDIT REPORT AND SUPPOSEDLY VALIDATE THIS. THIS IS IMPOSSIBLE. 

I am aware of civil and legal remedies. If this dispute is not rectified immediately, I will file a complaint with the XXXX and hire a lawyer.

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 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX XXXX was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.

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 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX Bank was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.

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 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion aNd XXXX are again reporting that XXXX XXXX XXXX XXXX has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. Trans ion and XXXX are either culpable negligent in carrying this listing or are being intentionally vindictive. As for XXXX XXXX XXXX, XXXX actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently XXXX recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. XXXX had known that the difference in the lease tit claimed 1 had been, in fact, paid dinn2017own by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. XXXX isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, XXXX gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof XXXX, with the the virtual assistance of rtraansunion and XXXX ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.

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 2019-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
First Greentree LLC were not honest and lied about not receiving payment and so on. By the time they filled for bankruptcy they ran a deferred balance of {$62000.00}. Penalties and interest. They are not being honest and I have proof of dates and filling for a loan modification Second Diteck took over the mortgage They just changed there name. They also have not been honest. I have not received the balance of my insurance money due to Hurricane Erma.  They send me letters every week like I have not sent them anything. Its not true. I have faxed this to them in XXXX and sent them emails with everything they have asked for. Once again they are charging me with late fees and so on.. They also didn't pay my insurance company. They took it apon them selves to Sell me a Diteck insurance. When I had followed up with my carrier she told me it was not paid and they thought I went with someone else. I pay insurance and taxes each month to put in escrow. 
During the payments from the insurance company they applied it to my mortgage and Diteck told me I sent it to the wrong place. That was not true. I put 3 checks in the same envelope and mailed it to the same address. It took many calls and finally a conference call with my insurance company. 
If you call they are all the same. Debit collectors and do anything to no be of servicing there accounts. You cant find a supervisor to speak to.. It is frustrating. 
They have held this {$2200.00} check for over 2 years and in the mean time I asked them to apply it to my mortgage. I want penalties and interest on that money. Or they can back out the dishonest penalties and interest they have run up on my mortgage. 
Diteck also has filled for bankruptcy as of XXXX.2019. 
I really want everyone to know how dishonest both companies are. Changing your name and using the same tactics should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my second written request to remove an account that was opened fraudulently, your company has previouly removed this account but now you are riposting it again by FCRA you can not report an account you previously removed without a written note an proper verification of this account section 604 and 609 a b, I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from 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 2019-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
On the afternoon of XX/XX/2019, a representative of Kofford  Law  came to my house and spoke with my mother-in-law who was babysitting  my children about a supposed Complaint that was being filed against myself and my wife. My wife and I were both at work at the time. The representative, who identified himself as " XXXX XXXX   '', after attempting to leave paperwork with my mother-in-law left a large packet of private debt and medical information on my front porch. The packet was not sealed in an envelope or any other container to seal the information and keep it confidential. The packet contained amounts due, interest rates, our account numbers with our doctor 's office, photocopies of medical contracts, allegations of breach of contracts, as well as information about a supposed lawsuit that was to follow if we did not respond to them. The paperwork was made to appear as though it were coming from the XXXX District Court of Utah, yet was also addressed as coming from the law firm in question. 

On, or around, the XXXX of XXXX a representative of Kofford  Law  called my wife and aggressively threatened to sue her if she did not give her our credit card information so they could bill us for the supposed debt. 

The practices of this firm are in gross violation of the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i have told them to cease and dissist all calls, but they still call and this debt was not mine

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 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I opened this account with XXXX XXXX XXXX, and for 1 year paid on time, my credit was hacked and fraudulent charges were made, I disputed with them and they ignored, even filled out their fraud documents to no reply or correction, they just ran up adds fees and penalty, totally corrupted my account, I even requested it be closed in XXXX of 2015 ... they are reporting invalid and inaccurate info to credit bureaus ...

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 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
the account was opened in my name by someone i dont know and yet im being called after me telling them to cease and dismiss calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: GA

Complaint narrative:
VW credit, audi financial intentionally destroyed my credit. The payment may be late but due to unexpected, unforeseen emergency and have been unable to pay current but make sure account doesn't go over 30 day. Payment is paid every month by the same date as reps has mentioned that if paid by 3rd, payment will not report derogatory. Therefore, I make all efforts that payments are paid monthly and by the 3rd. These conversations with the Audi, VW reps were recorded.

VW credit, Auti financial does not attend to serve me accurately as a customer and should correct this inaccurate reporting immediately. VW credit, Audi reported me derogatorily to all credit reporting agencies and I paid by 3rd as I did prior months, however reported this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
On XX/XX/2019 at XXXX I went to Western Union agent at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX, to send money to my wife who lives in XXXX XXXX as I do every two weeks. Cashier by the name of XXXX was at the customer service counter, I gave her my information, drivers license, my phone number and name of the recipient. I informed her that the information is in my profile which she can pull up on the computer by my phone number. She insisted that my wife 's name was not on the list of recipients I have previously sent money to which I disputed since I had just sent her money two weeks ago and have done so for the last three years. She ( cashier ) responded that I should not argue with her or she will not serve me! She then asked me for my social security number, where I work, what I do for a living and where I was born? As you can tell these are the type of questions which are personal and can be easily used to steal individual 's identity. Of course I could have refused to provide the information and used online service to send money, but the online service for Western Union is  outrageously expensive and most of the time it doesn't work due to technical problems, which by the way they were having technical problems at that time. When I returned home I called Western Union at XXXX to find out if this type of questioning was a new requirement? I was told that it's not, but that each agent may implement their own rules for security purposes. Which I translated to mean that any Western Union can discriminate against anyone as they see fit!! I have been a customer of Western Union for over 30 years and to be treated such I found appalling to say the least. Am sure Western Union feels that they have monopolized money transfer industry, but there have been giant companies in this world who though they were too dominant to fail but as the world changes so will the competition and who knows Western Union may find their way out unless they change their ways. In case anyone wants to get more information from me, my name is XXXX XXXX and I can be reached at ( XXXX ) XXXX or email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
XXXX  aNd XXXX are again reporting that Toyota motor credit Corp. has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and XXXX  are either culpable negligent in carrying this listing or are being intentionally vindictive. As for Toyota credit Corp, s actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently Toyota recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. Toyota had known that the difference in the lease tit claimed 1 had been, in fact, paid XXXX by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. Toyota isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, Toyota gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof toyota, with the the virtual assistance of XXXX and XXXX ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX aNd Equifax are again reporting that XXXX XXXX XXXX XXXX has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and Equifax are either culpable negligent in carrying this listing or are being intentionally vindictive. As for XXXX XXXX XXXX, XXXX actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently XXXX recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. XXXX had known that the difference in the lease tit claimed 1 had been, in fact, paid dinnXXXXown by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. XXXX isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, XXXX gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof XXXX, with the the virtual assistance of XXXX  and Equifax ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
my XXXX  account was paid in full XX/XX/2018, XXXX placed me in collections/late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I told them that I ran into health issues and can not pay at the moment at all. Each representative still tried to force me into payments that I let them know I can not pay at all due to being XXXX and sick constantly. 
Was talked to rudely and asked about type of health problems that has nothing to do with payment and was told it was people with bigger issues that can pay still. I asked them not to contact me anymore because it was harassment being theyre calling 3 times daily and I specifically said I cant pay at the moment. I was contacted on Saturday while in church and asked representatives not to call and said it was very inconvenient. They called back twice from unknown numbers while I was still in service and left messages within an hour of me saying Im in church and not to call. Also Sundays, on XXXX XXXX I was sick in bed and couldnt be with my family but my phone kept ringing from unknown and blocked numbers and it was always XXXX XXXX. Constant harassing phone calls after I asked not to be contacted and arguing representatives when I am sick and unable to defend myself. Im sick daily and any communication Ive had with the representatives, my day ends up worse. Most days I cant get out of bed but if I speak with them, Im worse and cant keep anything down due to XXXX   XXXX and XXXX. Stress aggravates these XXXX. Im unable to eat any kind of food and have been on Boost ONLY for 3 years now and I try hard to eliminate stress so I can keep down the Boost and avoid another feeding tube. Ive had my doctors track my weight and I was doing well until they started harassing me and now Im looking at another possible feeding tube.

Company response to consumer: Closed with non-monetary relief