vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Under the terms of a time share contract with XXXX XXXX XXXX, XXXX XXXX XXXX, a XXXX time share company, my husband, XXXX XXXX, and I with the help of our attorney exercised our rights under the contract, cancelled it and returned ownership of the time share to the company. A USA time share company which books and exchanges time share units. Without permission or any right, XXXX billed us for services relating to the time share unit which we no longer own. We disputed directly with that company and its debt collecting agent, XXXX XXXX XXXX , XXXX of XXXX, NC that no monies were owed. However, XXXX XXXX XXXX reported XXXX different debts on our credit reports as if these were our obligations. XX/XX/2015, we disputed with the CRA 's and XXXX and XXXX deleted these accounts. However, Transunion continues to wrongfully report these obligations. Many people have complained to the XXXX and online that XXXX. is engaging in fraud and a scam and trying through a collection agency, to get money paid when no money is due. Because my computer is not working, I am filing this complaint through my attorney 's computer.

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 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, Transunion removed XXXX credit inquiries from my account causing my credit score to increase. Shortly afterwards, they added the inquiries back, causing my score to decrease lower than it was initially. I need these credit inquiries removed completely due to their error and damage to 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 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and I have sent numerous police reports to Trans Union in regards to unauthorized and fraudulent accounts listed on my Trans Union credit report. The unauthorized accounts is still listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX and 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 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called to have unauthorized hard inquiries removed from my Transunion report. The rep verified the inquiries were on my report, but said that even though the XXXX inquiries were made within 30 days, Transunion views these inquiries as XXXX whole inquiry. He said I would still have to wait for these inquiries 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 2016-08-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I entered into a lease agreement for a 2014 Chevy Equinox. The sales tax, among other fees were rolled into the lease agreement. In XX/XX/XXXX, I moved to Massachusetts from NY, the state I leased the vehicle in. Ally, the lender, sent me a statement saying that my monthly payment is going up because of the MA sales tax. I called Ally and spoke to someone that was in a foreign country that had no idea of what she was talking about. She was reading from a script and not answering the questions I was asking her, nor was she addressing or responding to what I was saying with any coherence. I told her that the sales tax was rolled into the payment and that it is listed in the lease agreement. She said she would have to check with the taxation department at Ally. I told her to call me back when she found out. Over a week has passed and no one has contacted me. I have since spoken with the original car dealership and they again confirmed that the tax was rolled into the monthly payments. I 've tried reaching out to Ally multiple times and each time I 'm met with incompetent people that barely speak English and who get beligerent when I ask to speak to someone in the United States and bury me on hold for over 30 minutes to speak to a supervisor, as was the case today. They do n't do what you ask and have terrible attitudes. However incompetent customer service there is, my main complaint is that they are trying to rob me. The additional monthly charge is not valid and no one there is available or willing to speak to me about 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 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to " verify '' the accounts I disputed. Being that they have gone past the 30-day mark and CAN NOT verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information in which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

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 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified Transunion that I am a victim of identity theft. The following accounts do not belong to me and I need your assistance in getting this matter resolved and these items removed from my credit file. 

1. XXXX 2. XXXX 3. XXXX 4. 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 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been fighting to get a ga tax lien I paid off since XXXX. It was suppose to come off this XXXX but it is still showing and I can not put in another investigation because they said its been verfied.

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: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
they said I payed my bill before there billing cycle was over, so the payment was used as a extra payment for the month. the following month no bill. when I recived my bill for the following month it had late fees on it. I called them and spoke with a supervisor, they said that was how it works per contract. this happened before and the fixed it. so later that month I did a refinance on my home and my bank took the equity to pay bills off, contacted all the people I owed and recived payoff amounts. what they gave them was what I owed. now the say I owe a late fee and a extra 20-30 dollars more than the pay off. what can I do. thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I was offered {$200.00} in sign on bonus if I spend {$1000.00} in the first 3 months. I did so, and yet did not get any rewards so I called them up and they informed me that the terms indicated that I actually had to spend {$1500.00}. I am 100 % sure TD has messed up here. They are saying that in their day the spend amount indicated is {$1500.00}. 

I distinctly remember when applying online it was {$1000.00}. It is a very click bait and also very bait and switch

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I request your kind attention on my below mentioned case and please reply and let me know how can I proceed further so as to approve my application for Refinance : Quote : Since ( around ) 6 or 7 years I have a Mortgage Loan for my Primary home at XXXX, New York with TD Bank and the interest rate is 6.9 % which is very high, hence I try to Refinance the same loan, hence, I submitted application for Refinance the said loan at the same TD Bank, and upon run my credit history by TD Bank they got my highest credit score is XXXX, however, TD Bank declined my refinance application, the reason they said " '' the problem is debt with income ratio '' '' '' ''. 
FYI : as per 2014 my tax return documents my income is {$74000.00} and debt is around {$54000.00} plus I have liquid cash of {$100000.00} in my XXXX Fund Account ( like XXXX ) plus cash value of around {$70000.00} available from my whole Life insurance coverage from XXXX and XXXX XXXX XXXX XXXX which I showed in my application also TD Bank did n't ask me the Tax return documents or any related documentsand without seeing the required documents from my side HOW THEY DECLINED MY REFINANCE APPLICATION? 
From the above, I strongly doubt that the TD Bank declined my application because now I pay interest of 7 % to TD Bank and if they refinance now the rate must have reduced to around 4 % that will be the lose for TD Bank and that may be the reason to decline my application to refinance. FYI : Am a XXXX RETIRED employee with having the income of Pension and XXXX too and so far with very diffcult and without any default I am paying my monthly mortgage payment regularly without interrruption. therefore, please hlep in the subject matter so as to approve my refinance application. 
In view of the above, please let me know how to proceed further so as to get refinance. 
Expecting your valuable advise soonSincereXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I had an account with XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. While having this loan I was called at least XXXX times a day, they would call my job and everyone of my references. The interest rate went from 29 % to 110 %. I could n't understand this at all and I do n't think thats legal. I had to finally file bankruptcy to get them to stop harassing me. my payments went from XXXX to XXXX a month. How am i suppose to ever pay this off. 
My name is XXXX XXXX My telephone number is XXXX Thank you for listenng

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I recieved a letter From Express Recovery Services, a collection company. XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX regarding a debt that had previously been discharged in a Bankruptcy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-10-28 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: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Collection agency charging interst rate on judgement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC
State: GA

Complaint narrative:
On Saturday XXXX/XXXX/2015 I immediately returned a call from a representative by the name of XXXX. The call back was received by office manager XXXX XXXX. I gave him as requested an updated status of my past due account. I advised him I spoke to his representative XXXX on Monday concerning this same issue. On Tuesday XXXX/XXXX/15 I received at voice message from XXXX to contact him ... XXXX minutes later an out of state family member receives a call from XXXX trying to reach me. Upon my contacting the office the representative, XXXX advises that outside references are contacted when they have had no contact with borrower. The office has been in contact with me weekly. I find this tactic harassing. There is no reason to contact anyone outside of myself concerning this debt. XXXX advised me they would not give details of the call, but anyone who receives a call from a stranger being advised to have the member contact them know its about a debt. The attempt to embarrass me in order to collect is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone stole my identity. They have my social security, date of birth, address, etc. are trying to open credit cards under my name via the Internet. Not in person. Believe it was an internal employee from XXXX for that I do not make purchases on the Internet or give my personal information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, my debit card and pin was compromised and I had {$300.00} withdrawn from my account without my knowledge and I was also charged {$170.00} in overdraft fees ( {$35.00} x 5 over the course of 24 hours ). I have reason to believe that it was compromised at a TD Bank ATM. On XXXX XXXX, money was taken out from a TD Bank location in XXXX less than an hour after I made a withdraw in XXXX. TD had flagged the account for fraud activity but never contacted me in any way. The card used also did not have a security chip while the XXXX issues to me did. After a 2 week investigation, TD Bank refunded the {$300.00} that was withdrawn and {$70.00} in overdraft fees. But because they had posted the overdraft fees before the fraud transactions, they are giving me a hard time returning the other {$100.00} that they charged me for this fraud transaction. They have promised me to return the money the following day twice but I have yet to receive any kind of credit for it. They are holding my money hostage, but still charging me monthly fees all because of their practice of placing some transactions before others rather than in the order in which they occurred in order to charge overdraft fees and collect money. This has been a nightmare and I am forced to be on hold for XXXX60 min anytime I call customer service. I even went to the branch manager and he brushed me off and told me I would have it tomorrow but nothing ever came. TD Bank should be barred from pursuing this practice against consumers! Transactions should be placed in the correct order that they were made, not how TD feels whats best for them. As of now, I was charged {$100.00} in overdraft fees on an account that had over {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: MI

Complaint narrative:
I can not get a statement nor could I get a payment mailing address until after the first payment was due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Am Having a Problem with TD Bank charging me several Overdraft fee the problem started XXXX/XXXX/2015 There was a checked that was deposit into my account For The Amount {$34.00} and the checked was return due because they where no funds on the account so first TD Bank charges me and over draft fee {$100.00} wish posted on XXXX/XXXX/2015 and then they charge me another overdraft for {$35.00} Dollars on the account due beacuse of the check was not valid and they where no funds on the account am really fustrated of this scam td bank i been paying then overdraft fee for each transaction and they are not willing to cover or ajust the overdraft fee of {$35.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NE PROCESSING LLC
State: PA

Complaint narrative:
On Friday, XX/XX/2015. I received a phone call at my place of employment from an extremely rude gentleman from NE Processing. He told me he needed to get " my defense statement '' because my file was going further, whatever that means. I told him I was at work and he could not call me there. I hung up. He then called my cell phone and my home phone leaving the same threatening message about a " substantial lawsuit against me ''. I have no idea what this is for. It sounds like a scam to me. He never explained what he was collecting for. He just threatened me with a lawsuit and criminal charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has mishandled numerous disputes filed pursuant to the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am a cosigner for my daughter, got hurt at work and XXXX. I had called and pleaded to work something out, filed bankruptcy, to no answer or help from Naviant. The most frustrating part was each time I/we called we would get a different answer, or a possible way to postpone payments.One said I could get off cosigner list if I filed bankruptcy. I was told It was taken care of.only to get calls again after bankruptcy was done. I still am not sure what actually happened. I do know Naviant didnt object to courts during the time frame before case was done.This has cause so much XXXX to me, I can never regain my XXXX.I would love nothing better than to have income to help my daughter pay these off. I just ca n't since injury on job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had a business agreement with a lawyer. I signed a fee agreement for {$2000.00} and gave them my debit card number and the agreement was to call them every Friday and authorize a {$200.00} payment. I did that every week until the entire fee was paid. A XXXX after our relationship ended, the lawyers office debited another {$400.00} and then sent me a text stating that they did this. This was an unauthorized transaction and I immediately stated this to the secretary. I asked her to reverse the debit charge and in turn she sent me another fee agreement and told me she would reverse the charge if I signed the new fee agreement for another {$3000.00} of which I did not owe. I asked her for a detail of the charges that she was telling me I still owed the attorney and she never provided me with anything. I sent the attorneys office a letter and again asked that they provide me with an accounting of the fees and return my {$400.00}, They never responded. I contacted TD bank and told them I wanted to dispute the unauthorized charge and they told me I had to wait until the debit posted to my account. I waited until it posted and called the bank back and they put the dispute in. TD bank never contacted me for any type of investigation and then I received a letter from TD bank stating that the charge wa valid. I again went into the TD bank branch and explained to them that this was an unauthorized charge and I wanted to dispute this charge because as far as I wwas concerned, the secretary at the attorneys office took my {$400.00} and would n't provide me with any accounting and this was an unauthorized charge and the bank told me we are sorry but there is nothing we can do for you. I explained that I am your customer and you are supposed to protect me and my money and you allowed this business to take my {$400.00} AND THEN WHEN I ASKED TO DISPUTE IT, YOU TELL ME THERE NOTHING YOU CAN DO FOR ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
U. BANK XXXX SERVICES AND COLLECTION AGENCIES KEEP SKIP TRACING XXXX XXXX REGARDUNG ACCCT # XXXX ( LAST XXXX ). XXXX AT ( XXXX ) XXXX X XXXX. THESE ARE VIOLATIONS OF TCPA AND FDCPA. AND MUST STOP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation