vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: POPULAR BANK
State: NY

Complaint narrative:
I called Banco Popular on XX/XX/XXXX to make the payment for XX/XX/XXXX, which was due on XXXX XXXX but I usually like to pay earlier. When I did, they told me I owe for XX/XX/XXXX. I said, " No I do n't '' and they said " Yes you do. '' I said, " Is this going to be back like the past? I 'm going to call the bank and ask them to show you proof that I paid in XX/XX/XXXX. I paid on XXXX XXXX and Banco Popular withdrew it on XXXX XXXX. '' I got the statement and faxed it to them, and they said they did n't get the fax, although I had received a verification receipt. I said, " So you 're lying '' and he asked me to send it to him again. I sent another one right then. When he got it, I called and he says to me, " Yes, I 'm looking at it but we 're not going to accept it. We want your whole statement because we want to see how much money you have in your account. '' I said, " No, I 'm sorry, that 's my personal business. '' I called the Attorney General 's Office and they told me that I was right to do what I did and they can not force me to send them the documents like that. I am in collections for payments I am making.

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 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
Debt has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union must follow provisions of the Fair Credit Reporting Act ( FCRA ). It must follow FTC regulations where applicable. On XXXX XXXX, XXXX, I called Trans Union to request that they remove XXXX hard inquiries that appear on my report. Specifically, I requested that they remove XXXX XXXX ( XXXX XXXX, XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I also asked that they remove a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). Both XXXX XXXX and XXXX XXXX were not aware and not willing to provide additional information. However, Trans Union placed the obligation on me, the consumer. The representative at Trans Union stated that a consumer must document why an inquiry is wrong. In other words, a business entity that conducts a hard credit pull is not obligated to document why that was done. In cases where such a hard pull is erroneous ( for whatever reason ) it is simply not possible for a consumer to document how that occurred. In fact, it is not possible. My understanding of federal consumer protection regulations is that all three Credit Reporting bureaus must investigate a matter and must remove erroneous information. The consumer, pursuant to federal rules, is not defenseless and it is not correct to state to a consumer that Trans Union " can not remove or investigate an erroneous matter. '' Please assist.

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 2016-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: FCI Lender Services Inc.
State: AZ

Complaint narrative:
I contacted FCI Lender Services on XXXX XXXX by phone and spoke with a XXXX XXXX at Extension XXXX who informed me that I FCI Lender Services provides the negotiations for Loan Modifications and that I needed to put together the package of information and send it to them via fax or mail. I submitted my loan modification application and completed their questionnaire on XXXX XXXX, 2016 via fax and also by USPS with receipt requested delivered on XXXX XXXX, 2016 and signed by a XXXX XXXX. Today is XXXX XXXX, 2016 and I have not received any response to those my Loan Modification request or acknowledgement of such. Additionally, I called again on XXXX XXXX, 2016 and left another message with the general information Voice Mail for FCI Lender Services Inc which has also gone unanswered. I am filing this complaint as I have not received any response to my application.

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 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: POPULAR BANK
State: NJ

Complaint narrative:
on XXXX/XXXX/2016 I used the ATM machine to deposit cash something happened that the only deposit credited to my account was {$680.00}. {$1200.00} was credited to another account, the transaction between the receipts attached are only 3 mins apart. I asked my bank to help me solve the issue but the branch manager 's reply was " you picked up another ATM receipt trying to get credit for money that is not yours ''.

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 2017-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XXXX sent a charge to a debt collections agency instead of contacting me directly. 

I attempted to pay my last XXXX bill after I rolled my phone number back to my parents ' family plan in XX/XX/XXXX. However, there was no charge listed on my account, which I checked online in late XX/XX/XXXX. However, T-Mobile still listed me as missing my last month 's worth of service and charged me, unbeknownst to me. They sent my account to a collections agency a few months later. 

XXXX never notified me of the charge. They said they sent it to my old address, which was my work address. My work forwarded all mail to me. XXXX said they called me. XXXX on the XXXX executive team said that XXXX had called me and left voicemails. I checked the date range where she said XXXX had called, and there were no voicemails from any XXXX numbers ( which XXXX said XXXX would have used to call me ). So there was no notice on my online account, no notice through phone calls, and no notice through written mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: CHECK INTO CASH INC.
State: AZ

Complaint narrative:
I got a car loan for my XXXX toyota tundra, i had paid off the entire loan on XXXX XXXX, XXXX. I went to the MVD to get my title back into my name to learn that the company 'Check into cash ' had not given me my title back and still had a hold. I 've contacted them numerous times through visiting them in person and calling. I 've been unsuccessful in getting my title back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ESCALLATE, LLC
State: NY

Complaint narrative:
They sent my debt to another collector and I paid them but they still have me in collections but I have no account with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
I am filing a complaint against State Collection Services, XXXX XXXX XXXX XXXX, XXXX wi, phone XXXX. State Collection Services placed a derogatory item on my credit report XX/XX/XXXX.I have never received any correspondence, bills, notices, phone calls, or any other attempt to reach me before this action took place. I called State Collection Services and they informed me that it was for a medical bill, from XX/XX/XXXX. They could not verify the details. I have been at the same address for XXXX, same phone for at least 10yrs, and nothing was sent to me regarding this Item. I have requested Validation of the Claim from both the Collection company and XXXX. The action of affecting my credit rating without making a reasonable attempt to make any contact seems at the very least inappropriate and at its worst- likely unlawful. In speaking with the representative from State Collection Services, I was able to learn that the claim is a medical claim, but they could not provide any further documentation. They would have to request that information. It seems that to put an item on a credit report without a satisfactory attempt to reach me and without having the details of the claim, should be brought to your attention. thank your

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Student Services
State: MN

Complaint narrative:
I was contacted by Student Services ( XXXX XXXX, CA XXXX XXXX www.StudentServices.help, back in XX/XX/XXXX. They were telling me that if I started making payments to them instead of XXXX, that they would continue to make payments on behalf of me and I would be a part of a program that essentially lets me make payments based on my income for 10 years, and after that, anything that 's left over, gets written off. It seemed sort of suspicious to me at the time, but I was doing okay financially and continued making payments to XXXX and Student Services with the thought that I would pay down my principal. After about two years of making payments, I became " unqualified '' because I no longer have an income, so I stopped making payments to Student Services and continued with XXXX ... after some time, I thought I better make sure that these payments I made, actually went towards my XXXX. It turns out the funds were never applied. I 've been in contact with a gentlemen at Student Services who is willing to give me a partial credit of {$1700.00} but not the full amount I paid overtime ( {$3500.00} ). I have a history of e-mails from these people, I have contact with someone still, and I have additional records. I would like to get everything I paid them returned and I would like them to be noticed as a fraudulent company. So my problem is not with Government loans, but a company pretending to work with the Government and stealing money from college graduates just trying to pay back their student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It is something on my report from XXXX that I know nothing about. I have not applied for anything from XXXX. It is a hard dispute. I do n't want any card from them. Do n't know what they are doing on my credit report. It was done from XX/XX/XXXX - XX/XX/XXXX. Thank you for your attention in this matter.

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 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX added an account to my credit file with Trans union on XX/XX/XXXX which caused a drop in my credit score. This same account was removed from my file on XX/XX/XXXX under the name ( XXXX XXXX ) then reinserted between XX/XX/XXXX and XX/XX/XXXX. 
The account was then removed for a second time XX/XX/XXXX. I am asking that this account be investigated thoroughly and be permanently removed from all XXXX credit bureaus.

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 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX is reporting a collection for a timeshare that has been paid off for years. I never stayed there, paid all my maintenance fees up to the time I told the company they could have it back and sell it to someone else!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently pulled my annual credit reports and I noticed that an account ( XXXX 's XXXX ) is listed as an adverse account because of XX/XX/XXXX late payments. The late payments are for XX/XX/XXXX and XX/XX/XXXX with the remaining payments being paid in full starting XX/XX/XXXX. I believe this is quite disingenuous for TransUnion to claim that this account is " adverse '' when it 's been paid in full for over the last XXXX years. I know this has had a negative impact on my score and believe this should be corrected immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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:
After reviewing my credit score and report, I am looking that there some information inquiries and accts added to my report after this was deleted before XX/XX/2016. This is impacting my financial and health situation. not sure why this information is in my credit report after been deleted.

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 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to correct the errors through TransUnion Online Dispute site, but the site does not function properly and I am getting nowhere. There does not appear to be other any way to contact them. They are including my ex-husbands information as mine.

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. 
You can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted Transunion and XXXX regarding to let them know that my XXXX account has been completely removed from my credit report. This is an account that was paid on time for over one year, and each payment was reported by the utility company. When the account was removed from those credit report agencies my credit score dropped about XXXXpoints, so I called both of them to ask why this happened. They told me to call the gas company and find out what happened. I called the gas company and they told me to call the credit bureau because they never asked for anything to be removed from my credit report. This has never happened to me before, and it has affected my ability to obtain a new apartment because of the drop in my credit score. I would like to know what I can do about 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 2016-09-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Following Ally Bank 's instructions from a phone call, I downloaded and completed their PDF form to add my wife as an account owner to XXXX savings accounts. Following the form 's instructions, I submitted it to Ally Bank 's online Secure Messaging system on XXXX XXXX. There was no change to the ownership status on XXXX XXXX, so I submitted reply to the original Secure Message. Ally 's reply on XXXX XXXX was to provide them with already-submitted account information in the form of account numbers. I provided this on XXXX XXXX. Ally then told me to submit paperwork, neglecting to see the original PDF submission. On XXXX XXXX, I replied to have them check their original records because they have this already on file. 

This is the second instance of Ally " losing '' forms that they give instructions to submit online via their Secure Messaging format. I do this because I prefer to send documentation that is encrypted with my username and password rather than fax. Secure Messages leave a paper trail. My first trouble with this was when I was trying to add my wife to a checking account. This second time shows an utter ignorance of this Secure Messaging platform they set up and suggest we use. 

It has now been over two months and my wife still does not see the savings accounts I wanted to join us as newlyweds.

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 2016-10-15 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 XXXX tax lien via the state of Georgia on my TransUnion credit report. I have attached documents that provide proof that the following should be deleted from 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 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX are reporting a debt that does not belong to me. Please handle and remove from 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: CT

Complaint narrative:
I have several inquiries on my transunion credit report that are inaccurate.

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX ( Alabama XXXX XXXX XXXX, XXXX. Removed the amount of {$580.00} for my account and added back on. I have disputed this and nothing was done. I have not received anything by mail or telephone stating I owe any thing. This should 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 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX account that started as a debt to XXXX XXXX and has been sold again and again to different agencies. This XXXX account pops up several times in my credit report with Transunion. I have started the dispute process in XXXX and still not resolved. Although it has been removed under the name of XXXX, it pops back up under XXXX Court Public Record. There playing games now. 
Again, This account was recently removed from public record but still listed under collections. I had Transunion remove the error in collections but then they added it back on under the name XXXX Court in Public records. PLease 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 non-monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA 405. They are not reporting information XXXX % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting XXXX % accurated dated and verifiable.

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