vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
We are current customers of Pacific Union Financial and had previously done a purchase and refi with them. XXXX XXXX we wanted to take advantage of lowering our rate. We started the process then and are now as of XXXX XXXX XXXX still in this refi process. Our file has been passed around numerous times. It took them 1 month to review and sign off our appraisal. I emailed a processor and it took almost 3 weeks to get a call back from the company at which point we found out the processor no longer worked there. And amid all of this we keep getting charge rate extensions for something that is not our fault. If the company would have been doing their job and following up on customers files when a processor quit our loan would have been closed in XXXX or XXXX with our rate at XXXX and no discount points. Now we are in XXXX XXXX, rates have worsened and the company is passing on all of the rate extensions on to us. This was not our fault. The company should cover this and credit us as they are the ones who have been dragging their feet closing a simple refinance. Loan started with XXXX XXXX on XXXX/XXXX/XXXX. We got a processor assigned XXXX/XXXX/XXXX not sure why it took a month for that. Appraisal was done XXXX/XXXX/XXXX but not signed off until XXXX, almost another 30 days. Then the processor XXXX was no longer with the company as of XXXX. XXXX/XXXX/XXXX was the last email we received from her and then we received an email from another processor XXXX/XXXX/XXXX, almost another month. This is very frustrating and not how a customer should be treated. All we want to do is close the loan with the terms they promised us when we started this process. All of their delays are now making us have to come in with an outrageous amount for closing costs because they keep charging us extensions for their terrible service. This is unethical and not a best practice for a mortgage company. They are adding the extension that now total up to {$9100.00} for discount points due to their own errors and delays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: NJ

Complaint narrative:
Transunion has refused to provide either the required free credit report or to provide even after I paid online for the report. Phone calls are routed to a call center in another country and they simple will hang up or transfer you back to another person in the same call center.

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 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed to Transunion about wrong information in my credit report, But I did n't receive feedback from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last XXXX years and this is impacting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I 've been waiting since XXXX XXXX for the state of XXXX to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a XXXX resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I 've been getting called multiple times a day after I paid XXXX $ XX/XX/2016 saying that was the past due amount to clear my account. apparently I still owe XXXX $ an have basically being harassed about this after I was told the XXXX would bring me up to the date of my next payment which is XXXX XXXX 2016. I 've also told these people of my situation multiple times. I 'm on XXXX leave an have been having problems with the State since my paper work keeps having problems or getting lost. I also have a good payment history and this has never happened with me before and they have n't helped me in anyway to come to a solution.

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 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have received a notice stating that I was placed in collections for an account at a XXXX. I have never been to a XXXX ever. I contacted the company and there is no account information at all which would make sense as I have never even been there. Please resolve this as quickly as you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have made numerous attempts to TransUnion to have the account XXXX XXXX XXXX ( account # XXXX ) removed from my credit report, and each time, I have been informed, this account has been verified, and there is no change to my report, in other words, the negative information will remain. I have also made numerous attempts to contact XXXX XXXX XXXX ( certified return receipt XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX class mail and telephonically ), and I have yet to receive any response in any form of communication from this company. I find it remarkable, TransUnion is able to gain verifiable, satisfactory and legal communication with XXXX XXXX XXXX, and I the person they claim has the debt, can not. 
According to the Federal Credit Reporting Act, TransUnion has a responsibility to report accurate information. It has been and continues to be my position that TransUnion is reporting inaccurate information. I have also sent you ( TransUnion ) several letters ( certified return receipt, first class mail and facsimile ) asking for your methods of verification and you have failed to respond. 
According to paperwork received from XXXX XXXX XXXX XXXX account # XXXX XXXX they are a debt collection agency, who purchased the account from XXXX XXXX XXXX the original owner of the debt ). Based on my TU credit report, XXXX XXXX is no longer reporting the debt because I did not owe the debt, and the delinquency date had expired, however TU has allowed the collection agency to continue reporting the debt and the debt has become extended passed the original delinquency date. 
I have also written via XXXX class mail, certified receipts ( which I can provide tracking numbers and signatures upon request ), and facsimile, asking TU to provide me with their method of validation, to which I have received no response. 
I would like TransUnion to discontinue reporting erroneous information on my credit report, and remove the account XXXX XXXX XXXX immediately. I would also would like to know their method of verification as outlined in the attached letters. I am attaching XXXX XXXX XXXX XXXX letters XXXX of which were received by TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Received free credit report from Transunion XXXX. Paid {$1.00} by credit card to get XXXX score. They took credit card and began billing me for credit monitoring which I had not requested. Very difficult to cancel program with no refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion refused to give me my free credit report. They claimed I had already received one in the previous 12 months. I have " requested '' it - first online - then by certified mail - with a letter explaining I had NOT received their credit report and if they HAD issued one in the previous year it would indicate identity theft. Still they refused and mailed me letter saying I could receive my credit report if I pay the amount of {$11.00}. I did receive my free credit reports from XXXX and XXXX no problem.

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 2016-12-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I had a lease terminate with Ally Financial. I did not believe that I owed them anything but agreed to pay them {$50.00} a month. They put the account in charge off even though I continue to pay. This act lowered my credit score by over XXXX points. They are wrong to do this.

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 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX was never on my past credit reports ( XXXX/XXXX/XXXX # # # # XXXX, XXXX/XXXX/XXXX # # # # ; or XXXX/XXXX/XXXX # # # # XXXX, until after my bankruptcy in XXXX, and approximately a year later XXXX report it being included in my bankruptcy already confirmed by a judge, I never signed any documents for any recent open account noted XXXX/XXXX/XXXX credit bureau in XXXX. Approximately 8 years ago, I order a small item and returned it to them. No account was opened. In XXXX it is now noted and was reported on my credit as included in my bankruptcy which brought my credit score down XXXX points. I contacted XXXX and they noted they did not include me in any bankruptcy but it is still reporting on my credit report. My attorney did not submit, there was no reason. Also, the law requires that a bankruptcy be filed every XXXX to 10 years and Transunion credit bureaur are reporting it more than once which are duplicates of just XXXX in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
did not request credit increase from XXXX XXXX dept store and it has damaged my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia Dept of Revenue showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting my mortgage payments as being delinquent on my credit report for during the period we were modifying the loan with the loan originator - Bank XXXX is the servicing agent and they were instructed that during the modification period we were not required to make payments yet they still reported our payments as being not made. I have repeatedly addressed this with them - I have spoken with XXXX Mortgage who owns our mortgage and they instructed us that they informed Bank XXXX not to report any late payments on our credit report since they did not require the customer to pay during the modification period. We had a previous modification that took over 6 to 7 months and that was not a problem with any reporting but for what ever reason this last modification is showing up on our report as non payment during the modification - if that was the case I would have continued to make the payment because previously to the modification, all payments were made on time. Bank XXXX has refused to fix this mistake and now it 's becoming a major issue because we are trying to apply for other funding and its affecting the results due to this mistake.

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 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Normally I have a security freeze placed on my credit report through Trans Union. On XXXX XXXX, I made an online application to lift the credit freeze on that day through XXXX XXXX because I had applied for a new credit card. This cost me {$5.00}. 
The credit card called me the next day saying that they could not process the application because my credit report was still frozen. That evening I called Trans Union and they assured me that the freeze has been lifted on the date I requested. I explained that the credit card company informed me of the contrary. In addition, Trans Union also informed me that I had completely removed the freeze on the card, and in order to replace the freeze, I would have to pay another {$5.00} fee. I assured them that this was not true, I had not permanently lifted the freeze and that I had only requested the freeze be lifted long enough for the credit card company to process my application. 
In the meantime, on XXXX XXXX, the credit card company once again called me saying they could not process my application because there was still a freeze on my credit report. 
So in the end, I could not have my credit card application processed AND I am being forced to pay an extra {$5.00} to put a freeze back onto my credit report, freeze that I never permanently lifted.

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 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, in which I have not received a response from TransUnion. I then sent by certified mail on XXXX XXXX, 2016 requesting deletion of all disputed accounts from my credit report according to FCRA Section 611 ( a ) ( 5 ). TransUnion failed to verify within the 30 day time period and send due notice to myself as to such findings.

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 2015-06-25 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Delbert Services
State: NY

Complaint narrative:
I never received the loan and the customer service agent was could not find the loan information in the computer database, but then another customer service agent was able to find the loan in the computer but said that I had to fill out another application, but the loan information showed up on my XXXX report. When I tried to retrieve the loan the customer service agent said the loan information was not in the computer. He did not have any information on the loan and said that I just have to start the process over, but when I called back at another time, another agent saw the loan in the computer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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 reported to them twice now that my job history and addresses are wrong and want them removed. They 're still on there. I just looked again today. I see all these California addresses. That is a relative. NOT ME. Please remove!!! I have never even been there or used those addresses. I never worked at XXXX either. And that XXXX number I have never seen it. I wanted that removed and the XXXX number is my ex in laws phone number. Please remove it too. the XXXX was disconnected when I got a cell phone approximately 10 years ago but they wo n't remove it either. I would prefer my number not be on there at all. I just had to file a complaint because someplace called me stating they were a debt collector and was threatening me with jail. Long story short the XXXX said they pull your credit report and get your number and enough facts from your report that they call and harass you. So please remove my number too 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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive initiated several disputes with transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX & unknown medical collections are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous.I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a derogatory collection item in the amount of {$470.00} that appears on my credit report. I contacted the collection agency, XXXX XXXX, who reported the item to the credit bureau, in an effort to resolve the mistake ; they were unable to locate any account for me with my Social and all my identity information. They looked XXXX and the gentlemen I spoke with advised they have no account with my identity information and said they would delete the collection item.Since then, I ask them to remove the deragoatory entry from my credit repor and they said they would, Since then I have asked XXXX XXXX XXXX additional times for them to correct their error and all XXXX times they said they would.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
i requested a report from transunion and was sent to their site and was instructed to try their product and could cancel at any time as i understood at no cost when i call to cancel i was told there would be a XXXX charge to my credit card i hope that someone will contact the company and stop this from happening again i was supposed to get a XXXX report this is a complete ripoff thank you

Company response to consumer: Closed with monetary relief