vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX and I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are wrong, since the only names I have ever used are XXXX XXXX, at birth and XXXX XXXX. I have also never lived at : XXXX XXXX XXXX XXXX XXXX XXXX. This address belongs to my sister, XXXX XXXX. I presently live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and before that I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXX, XXXX, some of those addresses belong to my sister, not me. 

I am contacting you so that you may correct these errors and to make you aware of the fact that you are linking my financial records with my sister 's, XXXX XXXX, and my mother 's, XXXX XXXX. When we look at each others financial records we can see that we all share addresses and accounts that belong to one another. I have never had a XXXX XXXX credit card, but my sister, XXXX XXXX has. I need my financial account separated from that of my family, because of these errors, when I request a change of address, my families mail is also redirected, as it seems we are all the same person. I have provided documentation to prove my name and addresses, along with my mother and sisters information so that we may be separated from one another. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We leased a vehicle with ALLY Bank, that was mistake # XXXX. Here is what happened. My wife drives our XXXX children to school every morning and uses the XXXX lane. And according to the US Department of Transportation Federal Highway Administration, children count as passengers. Apparently one morning, a police officer must not have been able to see the children in the car, and instead of pulling my wife over ( and realizing there were XXXX people in the car ), he just took down the plate number and sent a summons. 

Here is where the problem begins ... .because it is a leased vehicle, the summons went to ALLY Bank, not to me. So we had no idea this happened. Months go buy and I get a letter in the mail from ALLYthat I owe the summons amount and that they are about to pay it for me. So I immediately call them and tell them not to pay the summons becuase we need to fight this because we never touch the XXXX lanes where we live except to go to school with the kids in the car. 

Fast forward a month or so and I get a bill saying that I owe ALLY for the summons and I called again and said what about us fighting this? ... we definitely didnt break any rules and this is when Ally 's horrendous customer service kicked in. I must have called and spoken XXXX different people and every one of them had a different answer with the last volatile person telling me that it is too bad, you have to pay it because we paid it for you. Again, I repeatedly told them not to pay and to fight it. It isnt even about the money, it 's the prinicpal of the thing. 

So because ALLY Bank is lazy and no one on their end wanted to do their job, I am stuck with a fee that I should n't have to pay but they threaten to go to a collections agency to mess up my credit. This is unfair and shouldnt be how people are treated. Obvioulsy this bank lost a customer for life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Coastline Financial Resources, LLC
State: NC

Complaint narrative:
We got a call from a California number ( XXXX ), stating that they had process papers to serve on my wife. The person on the phone refused to give any information, but gave a number where we could get information on the case, and a XXXX digit " case number. '' The company he advised that we call is Coastline & Associates, and the number is XXXX. 

When my wife called that number, the person refused to give any information about the supposed debt until my wife gave him personal information. When she refused, he terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have XXXX medical bills on transunion and XXXX progressive accounts all in collections that were ALL removed and now they are back on my report. I do n't owe progressive anything and I have medicade so the medical bills should have been billed to medicade not me. Also transunion and XXXX do not show all of my good accounts and refuse to add them. XXXX has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with XXXX and transunion to fix my reports. I want to buy a house and this is making it impossible. Can you please help 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 non-monetary relief
Consumer complaint received 2017-01-20 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 have a 30 day late payment reported on my Transunion credit report from a company called XXXX ( account number : XXXX ) from XX/XX/2015. I personally called XXXX and they acknowledged the mistake but said that they could n't get the credit bureaus to remove them and that I needed to contact the credit bureaus and start an investigation. I did just that. Transunion sent me a letter stating that the 30 day late payment has been verified. How is this possible when XXXX knows it was a mistake? To me this was a lazy investigation.

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 2015-03-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Ally Bank did not follow their published commitment of processing a domestic wire transfer request received by XXXX XXXX that same business day. Instead it took 3 business days and multiple phone calls to Ally Bank in order to process the request. 
To compound the issue, Ally Bank never proactively contacted me that there was an issue, it was only through repeated calling that I found out things were blocked waiting on some new verification action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX/XXXX/16 XXXX/XXXX XXXX XXXX, NJ 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 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
hi my correct is FIRST NAME : XXXX LAST NAME IS : XXXX i do not have midle name XXXX i have been contact all credit bruea but they never correct the information can you help me to resolve this please thank you very much

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 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Today, XXXX/XXXX/2016, at about XXXX XXXX, I opened an account with TransUnion - mysmartmove.com - and used the service to evaluate a potential renter. shortly after completing the on-line process, I started getting a repeated automated email that has continued all afternoon and even now is sending to my email. I told the customer service people at the contact number, twice that I was getting unwanted repetitive emails and I sent them emails through their " contact us '' email. I just got XXXX more of these harassing emails. This is part of the email : From Subject Received Size Categories TransUnion SmartMove Recommendation ready for SmartMove Application # XXXX XXXX XXXX XXXX PLEASE. I do n't want these emails and I ca n't get anyone to stop them. XXXX XXXX - XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TRANSUNION HAD A COMPUTER GLITCH!!!!! Where all my inquires were removed from my credit report. TransUnion noticed this so called error and put them back on my report. THAT 'S AGAINST THE LAW Without written notification before it 's added back. SO I CALLED THEM XXXX AND ASKED TO SPEAK WITH THE SPECIAL HANDLING 'S DEPARTMENT. I told them that my inquires were removed and suddenly reappeared, I was not notified in writing that these things would be added back to my credit report AND THIS IS AGAINST THE LAW- YOUR COMPANY HAS BROKEN THE LAW!!!!!!!!! PER FRCA SECTION 611.

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 2015-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My mortgage account with XXXX has been PAID IN FULL and closed. XXXX letters confirming payment IN FULL have been issued by XXXX, which have been sent to the credit bureaus by registered mail and internet. Telephone requests to correct the credit files and indicate that the account has been PAID IN FULL have been made to the credit bureau XXXX. 
TransUnion is reporting as follows in regards to the XXXX account : REMARKS : Account information disputed by consumer. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
XXXX party that denied credit told me by telephone that the report from the XXXX could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people I have contacted at TransUnion recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires the Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015 there is no date of last payment, there was not a payment made on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 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:
XXXX has inserted false information on my Experian credit report that is false. They claim I owe for classes I never attempted. It is an old account from 2010 and I have tried numerous times to have them correct the information. Their claim is that I was signed up for the classes and thus owe them. I never attempted the classes and thus the fees are illegal. Information needs 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 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian 's policy states that " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first XXXX missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late. '' I had a student loan which became late XXXX XXXX, XXXX. It has since been charged off. Given experian 's policies this account should have been removed from my credit report in XXXX. However, Experian refuses as of this time, XXXX XXXX, to follow the law and its own policies and will not remove this 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 explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I tried to close my Paypal account. PAYPAL said no that they want me to verify my bank accounts and credit accounts first and several other personal pieces of information. I owe this company no money and therefore I should be able to close my account when I WANT TO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
In XXXX 2015 Wells Fargo Dealer Services issued a 10 day pay-off statement for a car loan that was traded-in to a small dealer. The loan payments were being made via the internet until I moved to another state and could no longer access the on-line WFDS account. I contacted them several times to explain the log-in issue with no resolution. I made the payments in person at the local bank. After accepting the pay-off WFDS refuses to release the lien ; they want more fees totaling approx. {$240.00}. When I question what the fees are for ; no one can tell me. I 've passed around to numerous people who refuse to give an Ext. Spoke to the local Branch Manager of WF who was not able to get anywhere with WFDS. I was told more than 2 weeks ago that the issue would be escalated to a Supervisor and have never heard back from anyone. The title is sitting at the local County office and the car can not be re-sold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I purchased a XXXX in XX/XX/XXXX at a monthly payment of {$500.00} due on the XXXX of each month. Due to a lay-off, I fell late with XXXX payment, but immediately brought the note current when I found another job about XXXX weeks later. As a result of being off for that length of time, I could no longer make the payments exactly on the due date, but make them every single month in full. The creditor MEI Finance/MEI Auto/Midpoint Auto ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) has decided to consistently call me no less than XXXX - XXXX per day. They call my job, they call my relatives telling them they will repo my car if I do n't call them by a certain date and time, this is after I have requested they stop calling both my job, family, and friends, and to stop calling me more than once per day. 
Again, I make my payment in full every month, never going past XXXX days late, but because I can not pay exactly on the XXXX, and they have no " grace periods '' according to them, they begin with the daily/hourly incessant and constant phone harassment and threats, and I would like it to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I am disputing account number XXXX with Southwest Credit System because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Southwest Credit System to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase double drafted mortgage payment even after confirming twice that this in fact would not occur. I had Chase pause my automatic payment for XXXX/XXXX/XXXX so that I could make the payment XXXX/XXXX/XXXX. After confirming with them twice that I would not be double drafted, both the XXXX/XXXX/XXXX transaction was drafted and the XXXX/XXXX/XXXX transaction was drafted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc
State: NM

Complaint narrative:
I was notified of XXXX {$150.00} medical debts filed on my credit report by Transfinancial Companies. I made several attempts to pay the bill to Transfinancial. I could not complete the payment as the employee refused to stop yelling across the phone, despite notifying her of my XXXX and repeatedly asking her to help me. I paid {$300.00} on XXXX XXXX, 2015 directly to XXXX XXXX XXXX Hospital since Transfinancial was incapable of receiving payment. 

I made complaints to XXXX XXXX XXXX Hospital business office regarding the conduct of their sub-contractor, collection agency. 

As of today, Transfinancial has failed to report both accounts paid in full. They are maliciously not reporting accurate information on my credit report. I feel that this is in retaliation for the complaints made to XXXX XXXX XXXX Hospital. 

This is also in connection with, but separate from, another complaint I filed with Consumer Finance Protection today in regards to Transfinancial Companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I open an account with XXXX with medical protection however, I was not able to pay because of medical issues. After a period of time I paid off the account in full thinking I was covered from bad credit reporting however, I was told my account was sold as a bad debit. I disputed the account with Equifax because it stated that I was charge off XXXX balance however, in my dispute I request that they change the reporting to paid charge off! they refused. I do try to pay all my bills even charge off ones. This is causing me points on my credit score for no good reasons. I personally believe they sold my account to keep from paying for medical protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
Harvard Collection Services , Inc. has placed a medical bill on my credit in the amount of {$2600.00} from XXXX/XXXX/2010. They admit that the bill is NOT mine and that it belongs to my daughter now almost XXXX. They even verified the address of the person who the bill belongs to which is an address that I 've never lived at. In addition before this was placed on my credit I never received any other correspondence regarding this debt. No opportunity to dispute this debt or challenge it 's validity. The only thing they say they can do is offer me a settlement for the balance. I asked them why they 're offering ME the settlement when the debt does n't belong to me. I was told it would be best to just pay it, because it will not go away - although it still will not be removed from my credit, it will just show as paid. I do n't owe this debt and have been penalized via credit for a debt that is n't mine.

Company response to consumer: Closed with explanation