vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
When I applied for the care credit at the dental office, they did not inform me that there is a 6 months dead line and after that if I did n't pay the balance, I would have to pay a high interest rate@26.99 %. Everything was done online and I was never given a brochure or contract to read my terms. I called the care credit and they said it was up to the dental office to give me the term months on how long to pay. which that did not happen. I am unable to pay the {$410.00} that care credit is asking me to pay before the promotional expiration date. which is by XXXX/XXXX/2015. I would greatly appreciate if someone could please help me out on this. I feel this is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion on line to get a free credit report .i paid {$1.00} for this andgave my credit card info. I was offered " free '' credit monitoring.come to find out II was charged $ {$17.00} for the " free '' credit monitoring.this is deceptive.

Company public response: Company 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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested a credit report, trans-union report has information that does not belong to me. XXXX and XXXX reports could not be accessed because the security questions I answered had information that was not submitted by me. Addresses and XXXX of the XXXX phone numbers added in 2008 were not associated to me. My name and identity were used unknown to me by someone else.

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 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had an account listed on my credit report as not being paid for a radiology group. I just found out that the bill was paid in XXXX and it should not have been on my credit report as unpaid. The XXXX XXXX called the credit bureau in regards to this account having already been reported as paid and to take the charge off. I believe this has caused me to incur higher interest rates than if it had not been on my credit report. How can I go about changing this to look like it was n't just paid but should have never been on the report 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 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Initially I disputed items on my credit report, which came back as verified. I believe the investigation is questionable.

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 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion is reporting false information regarding my payment status with XXXX XXXX XXXX XXXX.I have never been late on any payment with XXXX. This false report is hendering my ability to move forward with my financial health. I have filed disputes with Transunion regarding the removal of this false information. Transunion had removed these negative items but recently began re-reporting them. Please help?

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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed this account time and time again submitting undisputable proof and only receiving the same results. This account is in violation of being deleted then place back on my report by changing the dates on the file. They are also only verifying the name and address with the grantor they are not taking into consideration the proof I have attached which shows that they made errors. The proof also show that the foreclosure was stopped by the courts and reconciled. Every account on my credit file is paid as agreed this account has hurt me tremendously.

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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. As the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.

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 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
Application for pre-approval started on XX/XX/2016..I was approved and loan application was started with AmeriSave. A few weeks later I received disclosure and I noticed a figure of {$2500.00} " other income '' was shown.I explained at the time I want due to inherit stock but I did not have it in my possession yet.Underwriter has delayed processing and asked about this other income.Loan officer went back and " faked '' my income from Social Security to satisfy underwriter.Meanwhile I have submitted bank statements, tax returns, documents 2 and 3 times.These are shuffled back and forth between 2 officers and the underwriter..Closing was set for XXXX XXXX and has not happened.Has been delayed because they did not request HOA documents from condo assoc.I had to call and request that they be sent. They informed me they never received a request from AmeriSave.Loan application has been bogged down and delayed because they do not provide detailed info of what they need.As of XXXX XXXX they should have all the documents they need to move on to closing.It is not happening.Loan officer left on vacation and the other one no longer answers e-mails.Title co. and real estate agent try every day to get an update and get this loan to closing without anymore delays.All request are ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please note that Transunion did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from Transunion, and XXXX, I never received any confirmation from XXXX on the status of the 7 year fraud alert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I filed a complain with Transunion about removing an old student loan account ( Ohio XXXX University ) from my report ( file number XXXX ). The result of the dispute came back with " new information '' instead resulting in dropping my transunion XXXX score by XXXX points. Transunion and the creditor claimed that the account " First delinquency date was XXXX XXXX '' but the is not accurate as I have never made a payment on this loan since origination. Loan origination date was " XXXX XXXX '' and this has passed the 7 years as of " XXXX XXXX. '' Thus the " the negative information '' should be dropped from my Transunion report. 
Furthermore, Transunion claimed it is up to the creditor ( Ohio XXXX University ) to remove the negative information from my credit file. However, it does not make sense since the same complain was file with XXXX and XXXX removed the information from my " XXXX credit file. '' Finally, I requested explanation from Transunion as to why my score dropped, they can not explain why my score dropped XXXX points after this dispute ( No other recent activity happen in my recent financial history ). Then Transunion is asking me to show proof that I never made payment on this student loan so they can remove it from my file - But I told them that I have no way to prove it and that Ohio XXXX surely has no record of payment made by me. 

Note : The same dispute to romve " ohio state XXXX. loan '' was filed with XXXX ( file # XXXX ) and they removed the account from my XXXX credit file. 

Thank you so much for looking into it.

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 2016-03-30 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:
After Transunion deleted the illegal XXXX CONNECTED TO A XXXX XXXX from XXXX, which i have NO BUSINESS WITH, they inserted now an account that I assume was associated with it, they refuse to block the account and as such I have asked them too without any response. Why would you block a fraudulent inq then allow the account to appear. XXXX and XXXX both did not allow such account to appear. In the enhanced Inq section of my hard copy report it listed the information as XXXX XXXX, " SYNTHETIC FRAUD '', I want this account blocked ASAP.I have filed a complaint with the FTC, ID Theft Center, Privacy Rights, and CFPB prior. Transunion refuses as always to assist victims in there XXXX rights, further I have filed numerous police reports and XXXX INSPECTOR REPORTS. The account is numbered XXXX and listed as 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 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years not XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all three bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, Transunion, and XXXX via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and 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 2015-09-27 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have XXXX Bank of America credit cards. On XXXX/XXXX/2015 Bank of America showed online that I had a roughly {$3000.00} dollar balance on credit card # XXXX. I, in fact, had a {$3000.00} dollar balance on credit card # XXXX. I paid {$3000.00} to credit card # XXXX. This resulted in a - {$2900.00} credit on credit card # XXXX. On XXXX/XXXX/2015 Bank of America showed online that I still had a roughly {$2000.00} dollar balance on credit card # XXXX. I again paid {$2000.00} to credit card # XXXX. This resulted in a - {$4200.00} on credit card # XXXX. On XXXX/XXXX/2015 I attempted to shift {$3000.00} of then then - {$4100.00} credit back to my regular checking account with Bank of America via the online transfer. I was charged a {$150.00} fee for this. At the time, I had a - {$4100.00} credit on the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Transunion just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them.

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 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX - I am REPEATEDLY solicited weekly to turn in my XX/XX/XXXX leased XXXX, and guaranteed a full service package if I leave that lease early AND enter into a new lease of a XX/XX/XXXX XXXX with XXXX. I get into contract and leave the XX/XX/XXXX at the dealership. 

XX/XX/XXXX - XXXX were to payoff the previous lease. 

XX/XX/XXXX - Late Notice from Chase. I double pay both, concerned the new lease payment was not properly applied. 

XX/XX/XXXX - Another late payment notice. I contact Chase, they tell me XXXX Dealership has not paid the car off. 

XX/XX/XXXX - I get Delinquent notice from California Department Motor Vehicles, that the XX/XX/XXXX XXXX ( turned in XX/XX/XXXX ) is overdue. XXXX has still has not paid off the car, nor legally reported the auto registration as agreed in new contract, and my law. 

XX/XX/XXXX - XXXX ASSURES me they are : taking care of the payments, making sure my credit report is corrected, paying off the vehicle fixing the registration. 

9 MONTHS LATER XX/XX/XXXX - I check my credit and the vehicle still shows OPEN and unpaid. 

XX/XX/XXXX - I have several excruciating conversations with both Chase and XXXX. They promise to update the account as paid in full. 

XX/XX/XXXX - XX/XX/XXXX XXXX Credit Report shows the account reported 60 days overdue XX/XX/XXXX - XX/XX/XXXX XXXXCredit Report shows the account reported 30 days overdue XXXX and Chase are completely incompetent. I am looking to join a class action lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Back in XXXX I contacted Transunion, XXXX and XXXX and advised them that the there were excessive inquiries on my credit report that I knew nothing about and did not authorized, Fraud alert was put on my credit file and Transunion deleted XXXX of the inquires then they put them back on my credit file. XXXX deleted about XXXX of the inquiries and left XXXX on my credit file and XXXX also deleted XXXX of the inquiries and left XXXX on my credit file. My credit file had Fraud Alert and I am still showing new inquiries on my credit file from all XXXX credit Bureaus, which is Fraud. How can this be when I had my credit files documented with fraud alert regarding unauthorized inquiries and neither credit bureau can show me proof where I authorized or gave permission for my credit to be pulled.

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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has incorrectly stated I owed money to this doctor, which was never true. Please contact both parties to review and have them remove all from my damaged credit file : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( 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 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i disputed court information in my credit report with Trans Union credit Burea on XXXX/XXXX/2016 did not hear from them until XXXX/XXXX/2016 the took longer than 30days

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