vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A glitch occurred within the Trans Union system that violated the rights of their consumers under section 6.11. As a result, I have been exceedingly effected and my credit score is suffering as a result of this Trans Union glitch. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. Please see inquires below. 

XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Department and variety stores - non specific Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Thank you, 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 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
there is someone elses name on my transunion credit report. the names XXXX XXXX is not mine nor do I know this person. My name is XXXX XXXX and always has veen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion XXXX ; Account Number ( XXXX ), Name ( XXXX Hospital ), Amount ( {$340.00} ) -- -- This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with.

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 2015-08-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I requested a XXXX month deferment on XXXX/XXXX/15 because I was in between jobs and was going to receive a short check. I paid the {$99.00} that was required to activate the extension on XXXX, and received a letter shortly after stating the extension was approved & my next payment is n't due until XXXX. I started receving collections calls a few days after regarding the unpaid amount. I explained my extension & was told a request/followup will be sent to the extension dpt & my account should reflect accordingly. Well, that did n't happend & I kept receiving calls ( about XXXX in one month ). Up until today XXXX I have called XXXX times to get this matter resolved & each time I get the response " we will send this to the ext dpt for review '' It is now OVER a month after I initially requested the extension, and my bill is due today & the extension is STILL not reflected even after XXXX different requests have been submitted. I spoke with a supervisor today, XXXX, who says the system thought the extension was for XXXX & not XXXX & that 's why the letter had my next due date for XXXX but everytime I spoke with a rep they seemed to know my extension request was for XXXX. She said she will also send a followup, and I asked for something in writing that reflects the correct dates my payments are due. I do n't have a problem paying the amount due in XXXX but I do n't think it is fair since ally did n't get it right the first time, and I should n't be penalized for a " system error '' when going off the due date I have in writing from the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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:
I logged in to check my transunion credit report on XXXX XXXX and all of my inquiries were deleted, upon checking my credit report again on XXXX XXXX i see the inquiries have been added back to my report without my knowledge and has caused my score to drop.

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 2015-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Auto Financial called my cell and house phone numerous times after XXXX. I have asked them to stop but it has continued. Also when they call during regular business hours its a robocall and no one picks up the phone so I get multiple calls a day with nobody picking up the phone which is disruptive and bothersome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ad Astra Recovery Services Inc
State: GA

Complaint narrative:
I paid for this debt in full for the amount of {$1300.00} to a XXXX XXXX law firm who is allegedly associated with Ad Astra Recovery Svs In. I asked for a receipt for the amount I paid and was told they do n't give receipts. I call the company several times before I even paid the debt and no one would assist me in resolving the matter. I want a receipt for my money paid mailed to me asap and this item removed from my credit report. I do n't even live in XXXX I live in XXXX and I was n't even suppose to receive a loan if I was n't a resident of the state XXXX. I do not have a XXXX Id or DL, I was temporarily working a XXXX job there over a year ago. I have paid this debt and I want my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing the accuracy on the status of my item. It is showing as late where in fact I paid my bill on time and it should show as 'current. ' There was never any late payments prior either. I am requesting that the CRA adjust my payment status to 'current. '

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 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion re- inserted a previously deleted unknown public record account on my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to 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 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:
XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuse to delete the item from our credit report despite many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the first delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX. I am attaching a credit report from TransUnion dated XXXX XXXX XXXX in which they list the XXXX late payments made in XXXX XXXX and XXXX, XXXX, XXXX XXXX. I am also attaching a follow up credit report dated XXXX XXXX in which they suddenly make the XXXX and XXXX delinquencies " disappear '' and use the XXXX delinquency as our seven year date. I am also attaching paperwork that proves our payment history as well as XXXX and XXXX sending us default notices in XXXX and XXXX of XXXX. I am also attaching a copy of the paperwork I most recently filed with Transunion disputing this issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
The student loan was initiated in XXXX separate years XXXX & XXXX Repayment started in XXXX Their are XXXX separate loans, same account number.. Problem.. Company constantly applies both payments to XXXX loan.. another XXXX school loan taken out in XX/XX/XXXX..different amount : same account number.. Payments of initial loan, often is applied to later loan.. @ XXXX loans paid monthly by check : third loan paid for on line ... Results of this? .. referral to collection agencies, letters ( XXXX in XXXX alone ) .. drop in credit score. Have attempted to correct problem Numerous times ( @ XXXX, yes XXXX ) with ZERO success

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
In XXXX XXXX I leased a XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. The lease was financed through Ally ( formerly XXXX ). I made my payment every month and did not have XXXX late payment from XXXX. I XXXX and purchased a XXXX XXXX XXXX in XXXX XXXX. I received a letter from Ally XXXX XXXX stating I owed money on my previous XXXX for a sum of over {$1100.00}. I then received a statement stating I only owed a balance of {$540.00}. I contacted Ally and set up payment arrangements to take care of balance. I agreed to pay {$100.00} monthly payments. My XXXX payment was made in XXXX. My XXXX payment was made in XXXX. My XXXX payment was not made because I received a letter from Ally on XXXX XXXX, XXXX which advised me that my balance was paid and my debt was satisfied. My father also being a Co - signer received the same letter as I did. I stopped making the payments. Due to the letter I received I felt that my obligation had been satisfied. In XXXX XXXX, Ally sent me another statement advising me that I still owed an additional {$300.00}. Because of the letter I received from Ally I disputed this amount for several months. Ultimately, I paid the {$300.00} and Ally proceeded to report my account as a charge off to the credit bureau negatively affecting my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 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:
I have credit inquiries on my Transunion report that were previously removed and now have reappeared. I would like them to be removed permanently as soon as possible.

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 2016-06-10 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:
TransUnion is not accurately scoring me. I have done several disputes and the score keeps dropping. Something is wrong. 
My debt to income ratio is low, same job for 31 years, no mortgage, paid off high debt, very good salary - yet my score is hooverting around XXXX?????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma, LLC
State: CA

Complaint narrative:
it shows i applied for many credit cards which i did n't.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
Hello, i am the victim of identity theft. Several debit card accounts were opened in my name, from XXXX and Suntrust. i have never applied for accounts to those banks, I live in the midwest, those banks are elsewhere. I have contacted both companies, there are now fraud alerts on my name. My question is how could this happen, I believe there needs to be much better security questions on the front end, before cards are issued and accounts opened. PLEASE do something about this, my life is being impacted in a very negative way.

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 2015-08-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: MD

Complaint narrative:
My name is XXXX XXXX and I attended XXXX XXXX for undergrad for which I needed the loan. I have been trying to get my loan back current however I cant make the payments the lender is requiring. I have contacted them several time to see what other options they could offer me but they have stated that there is nothing else they are able to do and that I have to make the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: LA

Complaint narrative:
Issue : Unfair Debt Collecting and Reporting practices by Fed Loan Servicing is prejudicing my ability to buy a house XXXX LA flood. Specifically- there is a difference between the information I can access about my four ( 4 ) student loans on the Fed Loan Servicing website- which shows a bill- pay this amount by this day and no days delinquent- and Fed Loan Servicing 's reporting to the credit reporting agencies- continuing to show it as past due and delinquent. I paid the amount demanded to bring account current- via the website- and am making monthly payments and they are not being reflected my credit report or score. 

Chronology : loans were in default, XX/XX/2016- fed loan said going to transfer to collection agency. Present- still not transferred and no timeline to transfer. 

XX/XX/2016, I paid amount to bring all accounts current via the website. I have paid the requested amount of the pay this amount by this date listed every month. 

Present : the website for fed loan reflect 0 days delinquent. However, Fed loan is reporting it more than 180 days delinquent to the credit companies. 

The website does not provide account numbers, or my name asssociated with the payments- it only shows there are four loans and the amounts of each. I asked Fed Loan for a verification letter and was repeatedly told that : 1. the loans were in litigation status, 2. I had to wait for the loans to be transferred elsewhere to address it, 3. the Department of Educations does not have these loans, I have paid all of the loans with the Department of Education XXXX 

Further, they report that I still have to pay the loan because it is due, which I am paying, but will not report that I am paying the installments because they categorized it as deliquent ... even though I paid the inflated amount to bring the account current and they have accepted all payments. 

The problem with Fed loan 's response is that they will not let me speak to the credit department, the reporting department, or anyone who can make any decisions. There is a complete difference between what the website reflects on my accounts and what they are reporting to XXXX and there is no way for me to remedy or address. I filed disputes with the credit companies, submitted proof to Fed loan servicing and am told- even if i paid every month forever on the website- it would be reported as delinquent to the credit agencies as past due 180 days every month forever until this is paid in full. 

The call center supervisor said they are allowed to do this by and FSA law- when asked what law, she did not have one to cite. I asked for the legal department, she would not let me speak to anyone there, i asked for a manager or supervisor, she would not let me speak to anyone else. I asked for the credit department and she advised they wo n't speak to me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: WI

Complaint narrative:
I applied for the Forgiveness Loan Program on XXXX/XXXX/14, I was given an acceptance letter from FedLoan Servicing. I contacted them today, spoke with four different customer service reps and no one is doing their jobs. They are too busy asking for social security numbers over the phone. I need the letter now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA

Complaint narrative:
On XXXX/XXXX/2015 I contacted a creditor in regards to a {$1.00} past due bill and was informed that do to the amount owed, the account was closed out ; however, the debt collection agency has failed to remove this {$1.00} debt from my credit report - showing a derogatory remark.

Company response to consumer: Closed
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Credit Karma, LLC
State: NH

Complaint narrative:
this case number was told by your office to me on the phone to go thru FTC. I did that but called FTC today and they told me this should be handled by your office. My complaint number with your office is XXXX and the complaint # with FTC is XXXX. This was a complaint to say : CREDITKARMA that reports what they say they get from the XXXX credit reporting agencies of XXXX and XXXX is NOT correct. XXXX DOES NOT have one of the collections that is showing in CREDITKARMA which brings my report number down with them. What I see is an error reporting from Credit Karma. I contacted them and told me they get their information from XXXX. I called XXXX and they do not show this collection on my report. So XXXX will NOT do anything because it is not on my report and Credit Karma will not remove it unless XXXX tells them to do so. THIS IS RIDICULOUS. I want this off my credit report with CREDITKARMA which is on my collection section of the report with XXXX XXXX XXXX. This does n't even show an amount because it is an account that was filed in BANKRUPTCY. This should say closed or not even show in my collections as they have it on my credit report for XXXX on Credit Karma. This was discharged and these people never showed to the creditors meeting if they wanted their funds. This is no longer my responsibility and should be removed. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2012 Open I should NOT be the one to be running around to get my report corrected with XXXX and Credit Karma because neither one is doing anything. This is XXXX and has been going since way before XX/XX/XXXX and I am not having XXXX because of this frustation. Please have someone correct this immediately. Thanks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation