vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB ( yey! ) brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account should be deleted from my Experian credit report.

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian will not remove the account # XXXX ( XXXX ) off my credit report as I have disputed this account a number of times. There is a mistake here and I need it corrected. Please have team to prove PROOF of the debt as it has impacting my credit score and causing high interest rates.

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 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have no knowledge of this account and it does not belong to me. This is a fraudulent report on my credit report.

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 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I got an alert today from XXXX about a collections account. 
I logged on to XXXX to get the information. The company name is XXXX for XXXX Illinois. Address XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address

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 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted TransUnion after receiving documentation from XXXX that they have removed their listing from my credit file after their investigation. XXXX is the owner of the XXXX/XXXX Account. I contacted Transunion and advised them of this and provided documentation and requested that the XXXX/XXXX account be removed from my credit file. When XXXX/XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. I then spoke with the Special Handling department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX but they are refusing to remove XXXX/XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing as I was told by XXXX a special handling supervisor on a recorded line that that was sufficient and he could get it taken care of in a day and then later did not remove it. This account is too old to be going through all this confusion.

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 2016-09-29 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:
I recently reviewed my credit report and notice several incorrect information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the allege debt validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt sent me forged documents ), XXXX XXXX XXXX ( never validated the allege debt has not responded to any notices ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor has the company added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau but I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent XXXX, Transunion, and XXXX notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.

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 2016-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
in XXXX we feel behind by 2 months on our mortgage, and we offered to pay extra each week to catch it up over 3 months, Ocwen refused to allow us to do that, they said we had to pay the full 2 months at once or we could n't pay it. Now they are withholding {$400.00} of our escrow payments which was to cover our flood insurance, which for an unknown reason FEMA decided we are no longer in a flood plain, so they are refused to pay it. They keep lying and tell us they tried to call, we have caller ID and not 1 call came in, they continuously harass us if our payment is n't in by XXXX, even though I have called and said it would be paid by x date. They try to tell me yesterday ( XXXX ) that I was not authorized to discuss our loan, but I hung up and called back and was told that I am, this has happened on numerous occasions over the last few years. These are the ones that are fresh in my mind, but they never listen, always rude and never want to work with you if you do have an issue. They just want to undermine you so they can work to repose your home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On several occasions I have send a request for Credit Report along with a copy of new address, Gov, I.D . Copy of Bill, Copy of letter with address from the V.A. They keep sending me the same letter as if they had not received it all. I send the last copy regristered and i recieved the same old froam back. It 's been years going through this. But they keep giving out low score 's which I have not used credit in years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit union, XXXX, reported late for XX/XX/XXXX 2014. I contacted them and they said they 're not reporting late to the credit reporting agencies. I disputed it with the CRA 's and received a letter from XXXX stating I was not late. I sent in that letter to Transunion ( to be specific ). My credit report was updated to show no lates. A XXXX months later it showed up late again, I disputed it again- it was deleted. I checked my credit this month and it 's showing up late again. I called Transunion to get it straitened out and they are trying to get me to dispute it which will take me another XXXX days- I refused. I 'm filing a complaint because my credit should not be harmed for all these XXXX because they keep letter something pop up late on my report which was proven, at least XXXX it was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I took out a car loan. I filed chaper XXXX in 2010 but I reaffirmed my Car note with Gmac/ally and paid the note They r still reporting on the credit report that the note Was discharged. It was not. I have a reaffirmation agreement with Them that I honored and completed. I have written them. I have Worked witg the credit bureaus. No avail. They r still listing that The car note was discharged. It was not. It was paid. My stars It has been So long ago that I dont even have the car anymore. I sold it with a lien release Why do they continue to lie?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX continues to sell to collection agencies Been 15 years since I had dealings with XXXX not my debt opened by someone else keep trying to collect removed 2 years ago now back active on my credit when checked ....

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 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have dispute a civil judgement XXXX times with transunion letting them know that this was discharged through bankruptcy in XX/XX/XXXX. They sent me a updated report showing the new informations that it was discharged then on XX/XX/XXXX I recieved a new report saying that the civil judgment was reinstated and I don ' know why. I need them to correct my report to show this debt was discharged through bankruptcy. from what I have been reading I think they are violating the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My debt to income ratio is grossly incorrect. Most of the debt is mortgage debt and does n't account for rental income. With rental income included, my debt to income ratio should improve dramatically.

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 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A satellite company has been harassing us for XXXX years accusing us of not returning their equipment. We did return the equipment and we were in contact with them as we did so. They sent us the boxes and forms to use to return said equipment. Emails were sent to us saying the equipment was received and they are dated! On our last phone conversation we told them to please remove the " negative '' item from our credit report. We even sent them the emails indicating receipt of the equipment. They have asked for and we did send copies of our correspondence. We got no reply and then after a XXXX of months, another debt collector begins calling and harassing us for payment. I do n't know how many times we have to do this, but this negative continues to show on our credit report. In the meantime, I have purchased a home, a new truck and a motorcycle and have had to present proof and documentation to the lenders in each instance. We have asked them again to remove this negative in the last month but have received no word from them. They demand proof and when we supply it, they ignore us. I want this blight removed and I have gotten no satisfaction from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am XXXX and I opened an a prepaid internet hotspot account with XXXX as evidenced by the attachments. I did not voluntarily apply for credit. I specifically requested a prepaid account with no credit check. The first bill, attached, shows that XXXX requires payment in advance as I requested. This first prepaid bill was paid as evidenced by the payment receipt that is also attached hereto. However, XXXX did not supply the agreed upon XXXX of high speed internet service that I paid for as agreed. Instead, XXXX failed to suspend or " cut-off '' the high speed internet service once the XXXX allotment was consumed as its sales representative told me would happen. I was wearing a replica hat for the XXXX XXXX ship my brother served in, the XXXX XXXX XXXX and a gentleman in the store questioned me about whether I had served on that ship. Therefore, the second bill was for over {$500.00}. XXXX then terminated the internet account and I was not able to connect to the internet. However, XXXX continued to add the {$80.00} agreed upon monthly charges to my account until it reached over {$700.00}. Finally, XXXX hired a debt collection firm to collect this debt and report this debt to the credit bureaus. As a result, my credit score has decreased significantly and such derogatory item in my credit reports caused XXXX XXXX Bank to not pre-qualify me for a veteran 's VA Guaranteed Mortgage.

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 2015-10-29 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I hired a law firm to help me with some issues on my credit report. There is currently an account that is showing on my credit report that is an auto repossession from XXXX and is still showing up as an unpaid and owed balance. This account is very old and has been hurting my credit and has been preventing me from opening any other accounts with any other company. My attorney has advised that this account is past the Statute of Limitations and should be updated to report no balance currently owed. My attorney stated that they are violating the Fair Debt Collection Practices Act because after the Statute of Limitations has passed they are no longer supposed to be reporting to the Credit Bureaus as an owed balance because it is a misrepresentation of debt. On XXXX my attorney 's office sent them a letter stating that this account is past the Statute of Limitations as of XXXX because she said that auto repossessions are 4 years. On XXXX my attorney 's office called to see what their response was to the letter to update this account, and they refused to acknowledge that the account is past the Statute of Limitations. They refused to acknowledge that they should update my account and would continue to report it to the Credit Bureaus as an unpaid balance. On XXXX my attorney 's office sent out another request stating that it should be updated and they have yet to respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2016 I noticed that previously deleted inquiries on my credit report that were deleted had reappeared and were given new dates to expire.

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 2015-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have been a banking customer with Ally for several years. Recently I got an alert that there was XXXX overdraft fees charged to my account. I chatted in only to receive rude customer service with no solution. I was told in chat ( record available ) that I would not be charged any more fees due to the account being fixed. To my surprise a XXXX fee was now charged with no regard. Contacted Ally again ... .No help at all. I am not sure what has changed with Ally but refusing to opt out of overdraft clearly shows that Ally is trying to hide something.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed this negative entry on my transunion credit report twice. It does not belong to me. I am pretty sure it belonged to my father whose name was also XXXX XXXX. He is deceased so I ca n't verify with him. XXXX removed it because they verified it was n't valid, however Transunion will not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- XXXX XXXX XXXX {$730.00} High Balance {$730.00} Remarks Account information disputed by consumer, meets FCRA requirements

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 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The item is not mine. Company has n't deleted item after I provided proof.

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 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, XXXX, and Transunion credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for 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 explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief