vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
In the XXXX week or XXXX of XX/XX/XXXX, collection agency, XXXX MAILED me court papers which said on the XXXX page to contact them and resolve prior to court date. And, make payment arrangements. I did. I am a XXXX Veteran. I was in recovery from hospitalization and I did not have a wheelchair to be in court. This is why I made PRIOR ARRANGEMENTS according to court papers mailed to me. I called the phone number and was in contact with someone at collection agency who set up the agreement for my file # and sent the contract for me to sign. I sent signed contract back along with payment and paid according to contract. XXXX of the medical bills was from 9 YEARS AGO IN XX/XX/XXXX while the other few were medical bills from 1 YEAR AGO OR 1 MONTH AGO and were medical bills not even sent to me because BANNER HEALTH took over XXXX XXXX XXXX and their computers were letting everyone 's medical bills in the community slip to local collection agencies. I did not know for 3 years my AGREEMENT/CONTRACT/PAYMENT/AND PAID IN FULL VERIFICATION FROM WAKEFIELD was XXXX and the XXXX XXXX XXXX XXXX were e-filing a judgment that showed an amount less than a satisfied Agreement/Contract/Payment with overpayment of {$75.00} never reimbursed by this collection agency. Injustice and lies to a court were done by this collection agency.

Company response to consumer: Closed
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Account have been in my credit report more than 11 years is legal to have this in my credit report for this long please remove creditor 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 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have an issue with my Transunion credit report. 
I am trying to understand my credit rating, ever few months it takes a dip of about XXXX points for no reason that I can see. I have a monitoring system and it shows no changes as far as opening new accounts or credit inquiries. As a matter of fact several inquiries have fallen off with time. With several more to come this month. Yet my score continues to fluctuate. I went from a XXXX in XX/XX/XXXX to XXXX in XXXX by my XXXX report. I am curious as to why? It also did the same thing last XX/XX/XXXX thru XX/XX/XXXX. It went from a XXXX to a XXXX. Why? And back up to the XXXX in XX/XX/XXXX. 
Also during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$250.00} on XXXX {$260.00} on XXXX {$150.00} on XXXXXXXXBut it shows up as a payment of {$41.00} for the monthAlso during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$100.00} on XXXX {$300.00} on XXXX {$270.00} on XXXXXXXXBut again it shows up as a payment of {$41.00} for the monthXXXX XXXX says they have reported the correct amounts. 
All my bills show on time payments. 

Please explainThank youXXXX XXXX Mo. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 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 a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my husband 's report, others just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the credit reporting agency that removed them previously.

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 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX and XXXX XXXX did a construction job for XXXX XXXX XXXX. Because, they did not pay there unemployment taxes and XXXX XXXX owner of XXXX XXXX was my husband at that time and signed a contract with XXXX XXXX the unemployment taxes was in his company name. Because Texas is a community property state and both of us had closed accounts they reopen my account and put the unemployed taxes on my account and put a freeze on my bank account and it was sent to the Credit Bureaus. I have manage to get it taken off XXXX and XXXX. But, I ca n't get it off XXXX. I faxed them the same documentation almost XXXX months ago, they sent me out another report but not the dispute for the for the taxes. I called and the representative found the faxed documentation but they had not investigated it. I asked her if she wanted me to upload more documentation and she said no. I told her that I had received documentation from IRS, because I did the Injury spouse form and she told me that they did not need anymore documentation. The reason why XXXX put the unpaid taxes on my account is because when they sent the results of the hearing they put on the top of the letter XXXX XXXX XXXX XXXX d/b/a XXXX XXXX, but XXXX started XXXX in XXXX, we was not married at that time. His assume name is in XXXX XXXX d/b/a as XXXX XXXX, XXXX XXXX took full responsibility for the taxes not XXXX XXXX. Why would I call for a hearing knowing that this was a XXXX XXXX. We was not married when he start his business, we were married in XX/XX/XXXX. But it was put on my credit file as a Individual not Joint. If you look at the account number, they are totally different and if they really investigate they would know that, XXXX XXXX Assume name was acquired in XX/XX/XXXX or XX/XX/XXXX. My assume name was acquired in XX/XX/XXXX I am going back to college but because of this I ca n't get a private student loan. If Texas was following there own rules and the Federal government XXXX XXXX is not responsible, he only paid the employees wages, he did not paid for the material or equipment, and the other company told them where and what time to be at work. By the Sub-Contractors laws State and Federal, XXXX XXXX is responsible for the wages. and this was a Federal Contracting Job. But, one of the representative from the XXXX told XXXX XXXX of XXXX XXXX how to avoid paying the social and medicare taxes. The third party ( XXXX XXXX ) did not even call in. I have all of my documentations, plus XXXX has them. You can contact me at XXXX, email address : XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had a car loan opened XX/XX/XXXX with XXXX XXXX and paid off in XX/XX/XXXX. I had a excellent payment history with XXXX paid as agreed and never late. I recently check my credit reports online and XXXX XXXX is reporting my old account with various negative remarks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The debt collector verbally agreed and submitted for removal in XX/XX/2015. As of this request they have not been removed by the credit reporting agencies. I have requested and received and have attached a copy of the removal request from the debt collector. The debt collector is XXXX XXXX XXXX and there are XXXX " Clients '' 1. XXXX XXXX XXXX XXXX. 2. XXXX XXXX XXXX 3. XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I CALLED AND SPOKE WITH A REPRESENTATIVE FROM XXXX XXXX XXXX, XXXX XXXX, AND XXXX TO DISCUSS THE ( XXXX ) 30 DAY LATE REPORTED TO THE ( XXXX ) CREDIT BUREAUS. I WAS OFFERED A PAY AND DELETE AFTER FULL BALANCE WAS PAID OFF FROM THE XXXX XXXX. XXXX STATED THEY WOULD TAKE CARE OF IT AFTER REVIEWING MY HISTORY OF SEVERAL YEARS IN GOOD STANDING. XXXX XXXX OFFERED TO DELETE AFTER EXPLAINING THE XXXX THAT CAUSED THE LATE. I CONTACTED BOTH COMPANIES AFTER PAYOFF AND THEY STATED THERE WERE NO NOTES OF ANY CONVERSATION AND DID NOT REMOVE NEGATIVE REPORTING.SEVERALH UNSUCCESSFUL DISPUTES WERE MADE THROUGHOUT THE YEARS. I REQUESTED INFORMATION OF CONTACT PERSONS THAT I PROVIDED WITH NAMES, DATES, AND TIMES I SPOKE TO EACH COMPANY REPRESENTATIVES. THE CREDIT BUREAU NEVER REPLIED WITH ANY RESPONSE TO THE CONTACT PERSON AND HAVE DISREGARDED ALL REQUESTS MADE CONCERNING MY ISSUES. I DO N'T THINK THE CREDIT BUREAUS INVESTIGATED THE CONTACTS THAT I PROVIDED. THEY INFORMED ME THEY DO NOT GIVE CONTACT NAMES TO CONSUMERS AND THEY WOULD SUBMIT THE DISPUTE INFORMATION ELECTRONICALLY. THE BUREAUS HAVE FAILED TO REMOVE OR DELETE THESE ACCOUNTS. PLEASE HELP ME IN CORRECTING THESE ISSUES.

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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my XXXX insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however XXXX Transunion believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me XXXX and hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
We had a HELOC ( Home Equity LOC ) with a company called " Specialized Loan Servicing '' ( SLS ) for ten years, which was paid off in full per their terms ( ten years maturity ) XXXX 2015. Our new lender and myself were in constant contact with representatives from SLS on the pending closing of our new mortgage. SLS was informed that the closing might happen a couple of days beyond XXXX/XXXX/15 due to additional paperwork required, but they understood, and stated it would not be a problem as they had their guarantee that the loan would be paid off. We paid this company for 10 years on time every month ( never late )! And I just received my credit report for XXXX/XXXX/15 and noticed my credit score had dropped about XXXX points ... .what! I have consistently held a credit score above XXXX and this company marked our last payment as late, which affected my great credit! I called them today and was told that I could sent a formal complaint ( by fax ), which I would get a response in 30-60 days! I am NEVER late on my bills and need them to remove this late payment, which was posted to my credit in error! Please help as this is the worst company I have had to deal with!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
a little while ago I pulled my credit reports and noticed a collection from ad astra on behalf of XXXX. I tried disputing the charge and a week later i got a letter from them trying to settle.I am not about to settle anything i do n't owe!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a XXXX Bank account that does not belong on the report, XXXX has agreed for removal and the reporting agency keeps saying verified, this is wrong information on my name and it hurts me to the bottom. 
I have included a copy of my report as well the letter from XXXX bank showing the account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 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 supplied the credit reporting Agency documentation from Police department and the Bank which I was victim of Identity Fraud. Proof was sent by certified mail, fax and email. 
XXXX first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department XXXX investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The balance on my XXXX XXXX XXXX account was settled and should now be at a XXXX balance.

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 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove all disputed items. 
Americas Servicing Co XXXX XXXX XXXX Also I have requested removal of the extended fraud alert 3 times. It still is on my 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 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Several names on report are not mine!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Account Discovery Systems, LLC
State: CA

Complaint narrative:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX had reported a late payment by mistake last XXXX or XXXX of 2016. They have worked with me and they can show I was on an in-school deferment during this period and should not have had a late payment on my credit report. XXXX and XXXX do not show this delinquent payment and they have corrected my credit report. Transunion REFUSES TO MAKE THE CORRECTION! They also refused to talk to the XXXX supervisor on XXXX on a conference call so he could verify the correction from his company. Transunion is purposely and intentionally damaging my credit report and they have caused me to have a higher interest rate on my car payment and I have been refused credit and a mortgage due to this intentional act that I want corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
XXXX accounts were opened under my name without my authorization. When I inquired about the accounts with the bank, the bank presented me with an authorization card with a signature purporting to be mine. I never signed the document they presented. I have been waiting for the results of their internal investigation for over two months and have not received any information from the bank as to who forged my signature or why those accounts were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Portfolio with supporting documentation and received an unacceptable response from them. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor. I have attached a copy of my credit report showing where Portfolio has inserted a multiple tradelines in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Portfolio Recovery certified return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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: FL

Complaint narrative:
In my most recent Transunion Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Transunion to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.

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 2016-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Submited online dispute as well as called Transunion about this issue. This is the 4th attempt thst I have made to have them remove inaccurate information. It has been requested to remove the inaccurate previous addressses. Every address except my current one has been requested to be removed. Transunion keeps telling me they will remove them but do not. I just removed my credit report and yet again the inaccurate previous addresses are not 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 non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
After my accident, my gap insurance paid off my Ally auto loan. About three months afterwards Ally called me saying I owed in the ball park of {$250.00}. With no hesitation to pay, the representative said he could put it on a 6 month payment plan, what he failed to mention is it was already late. No documentation of me owing them till a month after that phone call. However I made a payment the day of the phone call through their app which went from a {$0.00} balance to that amount. To pay it off earlier then 6 months I made XXXX deposits {$50.00} the day of and {$100.00} the following day. The next month I paid the remaining balance. Now, XXXX rolls around and my Loan Agent calls me, declared that I had to late payment markings on my credit report. XXXX for XXXX and XXXX for XXXX. I called ALLY, they wanted {$29.00} " late payment charge '' for an account that was paid off on XXXX in full. I called them being transferred department to department, manager to manager with no resolution. Their case that I repeatedly got is I did n't pay my car payment on time. My assumption is the original payment schedule was never changed and the agreement with their representative that was made never got processed. Which brings me back to square XXXX, GAP insurance pays the remainder of the bill. Yet I still owed? In resolution because of all of this I now have to bad markings on my credit report for an account that i was always XXXX car payments ahead on. with no resolution in sight and {$60.00} in late fees that should have never be occurred.

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