vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-05 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:
Excessive amounts of past debits on my credit history that are n't mine. I 'm receiving collection attempts via phone and mail for debits that are n't mine ; debits are decade old.

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 2015-12-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
So, this is the fourth complaint about USAA. They keep putting adjustments on my account and i have proof. then I write to them and file a dispute that they " lose '' and now they have turned me into collections. so, they lied and said they did n't adjust my account for XXXX. And that i lied about them, so I will upload that credit card adjustment. MONTHS after a dispute was closed they added a {$500.00} charge to my account and though I have told them, they are charging late fees and finance charges over and over and telling me that I owe this money without proof. they adjusted my account for XXXX dollars and it was not a purchase. they are charging late fees and finance charges and have turned me into collections. they are saying they gave me this money and I have asked for proof. When I asked why they put XXXX back on my other card, they instantly lied and said they did n't do it. I am attaching both adjustments. The XXXX was removed. They XXXX was not. They keep lying about it. I want proof of why they keep adding money to my card which is not purchases and i do not owe MONTHS after a dispute is closed. Please help me, I have filed over XXXX disputes with the company that they claim to lose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX for XXXX dollars account is closed and confirmed by a company representative. Paid off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
1st Merit closed my direct deposit checking account and sent it to collections for unpaid overdraft charges. The USPS sent 2 direct deposit payments to the closed account totaling XXXX. 1st Merit seized the funds directly for an obligation totaling XXXX instead of properly following Michigan debt collection law or establish a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion had errors in education and employer, and locked me out when trying to update for my " protection ''.

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 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC
State: WA

Complaint narrative:
Have you had complaints submitted on Pacific Union Financial in XXXX TX? 
I am a XXXX representing XXXX and XXXX XXXX on this FHA ShortSale that Pacific Union Financial had agreed to participate on a short sale 18 months ago. 
We had submitted XXXX offers with the best XXXX on XXXX XXXX, 2015 " All Cash '' offer. 
FHA Mtg Letter XXXX still required an appraisal by an FHA certified appraiser. 
They did order an FHA appraisal on this last offer. They kept changing Short sale negotiating specialist 's and losing documents. Two months ago XXXX XXXX supervisorrequest the borrowers financial statements to see if they qualified for a Loan Modificationwhich they offer XXXX and XXXX a $ XXXX monthly payment reductions. 
Since the borrowers did not accept this loan modification, the lender is proceeding withtheir foreclosure. The borrowers speak limited XXXX, so I had to assist them on all ofthis. Can you assist on this or will you pass this to HUD/FHA to follow up on this issue. 
I will be glad to provide all the documentation that I have if needed. 
I have attached copies of the last XXXX emails form Pacific Union, I requested the namesand contact information of the supervisors, but never received them. 
Thank you for you help on this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are hospital bills from a hospital in XXXX state dated from XXXX XXXX, but I moved out of XXXX state to XXXX on XXXX XXXX, XXXX, and I have not visited the hospital in question since around XX/XX/XXXX. I was robbed of my wallet XX/XX/XXXX, around XX/XX/XXXX or XX/XX/XXXX I believe, and it contained my original birth certificate as well as XXXX of my children 's original birth certificates, and my original issue Social Security card and my children 's SS cards. I believe my information had been used for fraudulent things and I would like help recovering my credit and fixing the fraud on my report, as well as a FULL credit report detailing all the ways my information has been used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed with all XXXX credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX rep XXXX. I was told by XXXX agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX XXXX as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit report is showing the name XXXX XXXX XXXX and that is either my brother or my father, as my father is a XXXX and my brother is a XXXX so their names should not be reflected on my account.

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 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRSTBANK
State: AZ

Complaint narrative:
I tried to open the checking account with 1st Bank aka https : //www.efirstbank.com which was offering me {$200.00} for the new accounts after meeting certain conditions. I provided all the information and also the funding information ( from another account ) to fund this. Then i submit the application over internet. But next day i received the call that as per XXXX report - i am denied opening a new account. I was asked to check with them ( XXXX ). Why they are not letting me open the checking account at the fist place?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was a victim of identity theft and requested that TransUnion place a security freeze on my consumer credit report. I sent TransUnion my request along with documentation of my identity and status as a victim of identity theft that satisfied the statutory requirements of my state of residence, Nevada. TransUnion would not place the security freeze on my report, stating that my documentation was insufficient. TransUnion was and still is incorrect in their assertion, as in my previous complaint, it was clearly outlined what the statutory requirements were to be considered a victim of identity theft in the State of Nevada and all documentation submitted to TransUnion complied with Nevada Revised Statutes for having a security freeze placed on my consumer credit report. Furthermore, as a victim of identity theft, TransUnion is barred from charging me a fee to place the security freeze, to temporarily lift the security freeze, or to remove the security freeze. However, when I attempt to temporarily lift the security freeze from my TransUnion report, TransUnion is requiring I pay a {$10.00} fee, in violation of Nevada Revised Statutes. 

TransUnion only complied with the law requiring them to place the security freeze because of a CFPB complaint. However, TransUnion is still violating Nevada Law by attempting to charge me a {$10.00} fee to have the security freeze temporarily removed. 

As I have stated to TransUnion and in my CFPB complaint, my documentation fully complies with the requirements of the laws of the State of Nevada. TransUnion has yet to respond directly to my messages and complaints, or to point out which Nevada Revised Statute with which my previously submitted documentation fails to comply.

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 2015-06-24 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Delbert Services
State: VA

Complaint narrative:
I received a call at my office from XXXX and I told her not to call my office. She told me she was calling about a pay day loan and I said I did not have XXXX and that I have received calls about this for 2 years now. She said she would send me an email with the verification of the loan and what she sent me was nothing that could verify anything. I told her to stop calling me and she has called my cell phone and now has another man calling my cell phone threatening to put me in jail tomorrow. I have never had a loan with the company she states and says instead of owing XXXX I now owe XXXX but they will settle for XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX , XXXX, changed account numbers on previously discharged accounts and is now reporting the fraudulent accounts as current with outstanding balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have XXXX major problems going on right now and its across all XXXX bureaus. 
# 1 reinsertion of previously deleted items without required notification within 5 business days pursuant to section 611 # 2 " verification '' of information without providing the documentation that I requested that proves that these accounts belong to me - XXXX V TRANSUNION states in no uncertain language that once I notify them that their results are wrong, they have to go beyond the original source of information to ascertain that the info they are receiving is correct. Congress also states that to be able to verify this information they actually have to have firsthand knowledge which means that they have to have the docs. 
# 3 Multiple accounts keep getting passed around from company to company and are also reporting multiple times concurrently which is illegal - only the company that actually holds the account can report it! 

Here is the body of my disputes to TransUnion : ** I want to know how the same collection accounts are being reported by different collection agencies as well as being deleted and the reinserted and then reported by a different one and then passed to another? How do accounts go from XXXX = XXXX UNKNOWN MEDICAL = XXXX = XXXX UNKNOWN MEDICAL XXXX XXXX XXXX XXXX? How is this even legal??? ** Only the company that actually holds the account can report the account and not even one of them has been verified! 

This XXXX XXXX XXXX account is showing a balance that is the wrong amount and you also have a date opened that is different than what the other XXXX bureaus are reporting! So how are you verifying this account? By someone saying that they see my name a screen? Seriously?? 

XXXX XXXX is also being reported as XXXX XXXX XXXX XXXX ( XXXX and TransUnion ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

XXXX XXXX is also being reported as XXXX XXXX ( on XXXX ) and UNKNOWN MEDICAL XXXX ( multiple times! ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

You added XXXX XXXX XXXX XXXX as 60 days late and # 1 I was not 30 days late and # 2 I 'm sending proof that you are reporting this wrong! XXXX has 30 days x3, XXXX has 60 days and TransUnion has 30 days and all XXXX have different open dates! Fix this immediately! 

I 've already stated that I do n't know what XXXX XXXX is nor XXXX XXXX XXXX! Where 's the documentation that proves that this accounts belongs to me!?? 

You 're reporting XXXX XXXX XXXX XXXX ( which by the way is unknown ) and XXXX XXXX is reporting the same account - they are XXXX different collection agencies and only the account holder can report the account! This needs to be removed 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 non-monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am asking for a copy of the proceedings from your local court. If they can produce records that you filed for bankruptcy, If they can not find a match, ask them to issue an order to have the filing removed from your report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
no they will not let me dispute these matters on line. I tried receiving my credit reports and they would not give them to me. I seen it on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Nearly 2 months ago ( XXXX XXXX ) I submitted a complaint against Ally Financial regarding my auto lease and nothing has been done. No one has contacted me regarding resolving the matter. In fact the opposite, I received another paper statement threatening that my account go to collections which would negatively affect my credit. In over 2 years I have not missed a payment and they now are saying I owe money that I do not and are assessing me late fees. At this point, this is harassment and I am seriously considering legal action against them. I would expect the CFPB to assist and to this point nothing. 

The issue is that I got the vehicle in NY and per my lease agreement and confirmation from the dealership, taxes were included into the lease payment. Because I moved, Ally is now saying I have to pay taxes that were already paid on the vehicle. Their customer service is inept. I called and spoke to someone in a foreign country ( XXXX or the XXXX ) for over half and hour. That person was clueless. I gave specific instructions and information and no one ever followed up. I called back a week later for a status update and that person was even more clueless and said that no one had done anything that they were supposed to do ( based on my instructions or what they said they would do ). I submitted a complaint and nothing has happened ever since. 

I will sue whomever I have to, to protect myself and my rights. I take this matter very seriously and expect the same level of importance be given to the matter that I am giving. I expect quick resolution.

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 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have XXXX student loans with the same isssue. ( XXXX ) Transunion reported a 90 day late payment on XX/XX/XXXX. ( this is not possible as payments for XX/XX/XXXX and XX/XX/XXXX reported as On time. This is an error on my report that is negatively affecting my credit worthiness.

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 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have incorrect info on my credit report with address and I also have inquries that are 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 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE
State: CA

Complaint narrative:
Three months ago we secured a {$100000.00}, fixed rate mortgage from Sierra Pacific Mortgage Co. in XXXX XXXX. The credit scrutiny we received was unbelievable. It was a full time job providing all the proof and letters and photocopies of bank statements and drivers licenses. After a full month of this intense documentation we got our loan and were presented with a pile of documents to sign that was about XXXX inches tall. It is ridiculous to think anyone could possible read and understand all of the documents that were presented to us that day. We were shocked to find that two weeks later Sierra Pacific had sold our loan to XXXX XXXX in XXXX and two weeks after that XXXX sold the loan to XXXX XXXX in XXXX. WE HAVE ONLY HAD THE PROPERTY FOR THREE MONTHS AND WE ARE ON OUR THIRD LENDER. I would like to know if there is a limit to this loan selling. Each time this happens we have to send more documentation to have the payments " auto deducted '' from our checking, Meanwhile all of our credit information is travelling from company to company all across the United States, I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: MO

Complaint narrative:
I had weather related damage to my house. I filed an insurance claim and received a check from the insurance company payable to myself, my wife and the mortgage company. I endorsed the insurance check and sent it to the mortgage company. Had part of the repairs completed by one contractor, the rest will be completed by a second contractor. The mortgage company is requiring I hire one of their inspectors to validate the work is completed on the first part before they will release the funds. They have advised me I must hire their inspector on the second part to inspect at approximately XXXX % and again when the is is at least XXXX % complete. Each inspection is a cost they will reduce my repayment by. The cost for each inspection is only {$37.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation