vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have an account with XXXX XXXX, Account # XXXX. The balance is XXXX. Transunion continually fails to reflect same. Make the balance XXXX please. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
transunion, for this entire day would not allow disputes over the phone or online. 
i am disputing XXXX, acct XXXX as paid, mult. innacurracies including dofd is not listed.

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 2016-12-09 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Hello - I write this in the hopes it helps others. 
We have had several CD 's with Ally Bank dating back to XXXX, totaling approximately $ XXXX. Recently, we asked Ally to deposit $ XXXX out of maturing CDs into our XXXX XXXX XXXX account. These funds are needed for our beginning retirement XXXX XXXX, XXXX, so the funds are important to us. Today was the first day a deposit would be received. Much to our surprise, instead of depositing {$7400.00} into our XXXX checking account, they withdrew {$7400.00} from our checking account ( without authorization I might add ), overdrawing our account by {$5900.00}! I am appalled and shocked such a mistake would take place. 
In calling Ally Bank today, they acknowledged the mistake, but clearly did not understand nor have a sense of urgency to fix it. This is no small error. The representative on the phone stated they could wire the funds back to the account, but we would be charged a wire fee of {$20.00}, and need to set up a wire transfer in our own account. Really? They make the mistake, overdraw our account thousands of dollars, and we pay a fee and have to go through a laborious process to get our own money back?? 
Let me get this straight. I was originally supposed to be deposited {$7400.00}, now I am out a total of {$14000.00} as funds were inadvertently debited in error. 
At the time of this writing, I am still speaking to a supervisor. I 've been on and off hold XXXX to 12 times as we research, change profiles, update profiles, research some more, try to figure out how to wire ... XXXX Now I am being told the transaction is " in limbo ''. After two hours of being on the phone, I have had to set up a wire transfer myself, and told " we will waive the {$20.00} fee due to the error ''. Apparently, this XXXX dollar company does n't have a clearing account to swiftly right a wrong. The onus is on the consumer. 
At the end of the day, the measly amount we get for interest is n't worth the stress and angst this has caused us. We are through with Ally Bank.

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 monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested the credit bureau according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ) provide a physical copy of the original document in which they failed to do thereby violating federal law.

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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My husband and I paid all our rent on time & gave notice before we moved out. We had a walk through and did not owe any money for any damages. We did however forget to ask for our security before we left the state. Months laterthe company that owned the apartment sold the complex and we were somehow charged with owing them more than our monthly rent. We found out about the debt while being denied an apartment. I did all I could to resolve the matter. We contacted XXXX and they said they had no record of us owing anything. We contacted the creditor that owns the debt, ncc business services, and they told us they could n't help us, so we disputed the claims on all XXXX credit bureaus. We have been able to get the debt off our other credit reports but transunion " will not '' remove this inaccurate data from our reports. This has caused us to lose future housing and get higher interest rates by lowering our credit scores. Now we 're out even more than a lost security deposit.

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 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Ex spouse received property in the divorce settlement. Divorce proceedings give the account in question 100 % to my ex as well as the mortgage. Told this to XXXX XXXX as XXXX our names are on the note, but they did not care. Ex spouse is in the middle of a refi with XXXX XXXX mortgage. This action should have stopped them from ever placing a late payment on my credit. Since the ex is in the middle of the refi, he did not pay the monthly amount due, again not my fault, especially since I was not even aware of the situation in the first place. XXXX XXXX Mortgage erronously placed a late payment on my credit rather than the ex spouses credit. I contacted XXXX XXXX and they could care less. They have confirmed the paperwork has been approved and is awaiting my exes signature ( 2-3 weeks they said ) and this mortgage will be his and his alone. I would love to file a dispute with XXXX XXXX if someone could tell me how. Please see page of the attached divorce stipulated judgement granting my ex this property and not me. The account in question is XXXX XXXX Home Equity Loan balance of {$63000.00} on XXXX XXXX XXXX. Please see the attached Stipulated Judgement Page XXXX Item XXXX, Page XXXX, Item XXXX and Page XXXX the last paragraph on page XXXX going onto page XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My wife and I hold account number XXXX with Ally Bank. We 've been with them for a few years now, but we no longer need the account and are trying to close it. Before we close it we need to empty it. On three occasions, we requested a transfer of the balance to our Credit Union. This occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the first two occasions, the bank reported that the transaction was refused by the Credit Union ( ACH Return ). I talked to the Credit Union and they said they had no record of any transfer ( bear in mind that we have transferred funds back and forth many times before without a problem ). This last time, there is no record showing that any transfer was initiated. None. I had sent them an email about this matter the day I initiated the transfer : " Once again I am attempting to transfer my balance, {$3.00} to my account at XXXX XXXX XXXX XXXX. I have tried this twice before. Each time you list it as ACH Returned. I have talked with XXXX XXXX and they claim to know nothing about this. As stated, I am trying again. If it does not succeed this time I will be reporting you to the Feds. GROK? '' It seems to me they are playing a game with me. 
I have today initiated yet another transfer, and this time I took a " screen shot '' so that I would have a record of having initiated 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 non-monetary relief
Consumer complaint received 2015-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had noticed items on my credit report that was sent to collections and an immediate red flag popped up and I said that this is n't me. I disupted the items for removal and nothing was done to resolve this issue.

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 — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX I closed a secured credit card with XXXX XXXX that was in excellent standing. XXXX XXXX XXXX, I checked my Transunion credit report and my score had dropped XXXX points from XXXX to XXXX overnight and the only change to the report is that it now shows I closed a secured credit card in which I used to build my credit by an initial deposit of {$300.00} to maximizing it to {$5000.00}. My issue is that from the time I opened the card I never saw the alleged benefit of having a secured credit card other than from my own efforts, not even by XXXX points, ( ie on-time payments, and paid interest, etc. ) but closing it lowered it XXXX points???? I am a XXXX Veteran over 30 % in the process of building a home and securing a mortgage that I am due to close in XXXX XXXX and the impact of this can present an undue hardship for me. I have worked extremely hard to re-build my credit. My reports show that I have an 18 % credit card utilization, {$48000.00} unused credit, and 100 % payment history. However, the derogatory marks, age of credit history, total accounts, and hard inquiries all vary between the XXXX credit agencies, which is something that I 'm always challenging without a resolve. The only change that is consistent on all XXXX reports is the closing of the secured XXXX XXXX card which was supposed to help the consumer, but has caused me more harm. After contacting Transunion, they did send a free copy of my credit report, but that does n't undo the damage to my credit score dropping from XXXX to XXXX overnight. I have been penalized for closing a secured credit card account that I was supposed to benefit from, but instead has damaged my credit considerably. If having a secured card is a good thing to help consumers build credit, then once that has been accomplished or no longer needed at the discretion of the consumer, then if the card remained in good standing ; reasonably, closing the card should raise your score XXXX points, not lower 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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has been told by both XXXX and the collection department for XXXX correct information and yet a year later for XXXX and 4 months later from XXXX, nothing has been amended on my credit report. They are still showing on the FICO pull a serious delinquency and collection from XXXX and their collection agency. That should be showing from 2011 as the delinquency, not as of recent. It 's been corrected on XXXX over a year ago but TransUnion has either been slow to the finish line or refusing to correct the items. From XXXX it is still showing the balances are too high and that is incorrect as well. I 'm utilizing and have been for over 4 months, less than 5 % of my total credit. XXXX sent TransUnion a secondary notice of XXXX balance when I complained last month.

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: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Today Ally financial sent and order to XXXX XXXX repose my XXXX Chrysler 300 it was parked in my Mom 's Garage. The tow truck backed into the garage to put the vehicle on the hook and my Mom was standing behind the car in the garage and he continued to back up, my mom could have been hurt. I still have not received correspondence regarding my account or their intention to pick the vehicle up. Every since I got this vehicle Ally has been verbal abusive with their collection practices and very hard to work with. I have been unemployed several time but I still have made efforts to make my payments.

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 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
According to XXXX XXXX was removed from my Transunion credit between XX/XX/2017. I checked out my Transunion credit report online this morning and the collection item is reporting once again.

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 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong to 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 2015-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened an account at Citizens Bank ( XXXX ) in XX/XX/XXXX. The account was opened as a XXXX account ' - and I had discussed with the bank representative that I was opening a business account but would not be transacting with the account immediately. Due to family XXXX, my focus was redirected from the business. I did n't interact with the account again until this past month - only to see that the bank had begun charging a dormant fee in XX/XX/XXXX ... with continued charges until this past month ( nearly a year and a half ) - and never XXXX sent me a letter, by mail, to notify me of the issue. If their system flags inactivity and imposes a charge ... they can send a letter! That would have been more respectable customer service, alerting me to the potential issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07 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:
I have repeatedly disputed issues with my credit bureau reports ( XXXX, Transunion, and XXXX ) and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all three agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e XXXX property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.

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 2016-02-27 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:
My credit report is a mixed file. It contains the address, employer, credit accounts and other information of someone in my family with the same/similar name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WAFD BANK
State: WA

Complaint narrative:
A year or so before the 2008 real-estate collapse my wife and I plus my sister and her husband signed on as partners in a land development loan for a residential subdivision located XXXX WA. in a small town " XXXX Washington '' as additional guarantors. We had hired a local multimillion dollar land developer to manage the project and finance the loan under a joint venture agreement in our project. The project was then constructed under the loan however the building lot values suddenly collapsed and the project went into default. The original bank that issued our loan also collapsed shortly thereafter and our account was taken over by Washington Federal Bank XXXX WA. who then began to be very aggressive in collection demands and hired a very aggressive legal firm to process the collections. At this point the banks legal firm took over and arranged the banks position and the bank took over the real-estate lots and sold them at about out 50 % of former value. After the lot sell off the Bank immediately sued the joint venture to collect the short fall of the loan balance. This is the point where a collusion was arranged between the banks legal firm and our financial partner to literally join together in a legal manipulation to defraud my family and shift most of the loan debt away from our wealthy project manager to our family. To repeat : The bank paid their attorney to join with our partners attorney in a direct legal maneuver to defraud my family our right to hold the wealthy developer in the land loan contract to pay his fair share of the dept. This claim can be documented by my own records and the records in the State records. Basically the " banks attorney '' literally assisted and actively worked for our partners attorney to process file and get approval of a small change in WA State law that allowed them to put a XXXX line down the center of WA State that allows legal advantages on legal proceedings to people on the XXXX XXXX of WA over people on the XXXX of WA State. This was done to accomplish one important goal : they were then able to release our financial partner of his debt responsibility and pay only a very small payment. Why? because our financial, partner had too many outstanding loans and needed assistance to spread out his loan portfolio to avoid bankruptcy. The consequences to my family? The bank forced my entire family file chapter XXXX bankruptcy, loose our life savings, I have to come out of retirement and go back to full time work, and the XXXX my sister. I am XXXX years old, a XXXX XXXX Vet, a registered XXXX, and I am living on SS and a few hours of XXXX per month. The bank still has a {$1.00} XXXX mortgage lean on my {$120000.00} farm I have no money to fight off these crooks. 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 2016-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
I deposited an amount into my checking account to cover my monthly home equity line of credit payment withdrawal on the day it comes out of the account. The payment was bounced back and I received {$100.00} in fees directly related to this. The amount I deposited was only {$380.00} to cover the payment and that is almost a third of that. The realistic amount I should have to pay should be around {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
A representative from United Auto Credit contacted family members and my place of work not only harassing them but also being rude. I let them know before hand what was going on with me and my car. Today XXXX/XXXX/2015 was the last straw, my manager called to let me know that an representative contacted the store asking her personal questions and was being very rude. She also stated that they gave her personal information about me. It is causing problems with my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Corporation of America
State: CA

Complaint narrative:
I had request a verification of the debt and the creditor has not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
My car payment was due XX/XX/XXXX, I 'm a little behind right now nothing major, three weeks, some unexpected issues came up.., but they started calling me XX/XX/XXXX ... They call everyday, all day long. Ive asked them repeadily to STOP calling my job, but they keep doing it ... And it 's at least three times a day ... The late payment is n't even considered a problem for my credit until XX/XX/XXXX!! Today it 's XX/XX/XXXX!!! 
I just want them to stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief