vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has continued to report an inaccurate and unverified tax lien and bankruptcy without verification to support it. I have sent in notarized dispute letter after dispute letter with response from TransUnion response ; Tax Lien ( XXXX County Clerk - XXXX ) ( The County Recorder of Courts ) and Bankruptcy ( Texas Fedreal Court-XXXX ) ( The Bankruptcy Courts ) has been verified, which is not true because The County Recorder of Courts and The Bankruptcy Courts does not verify credit information. TransUnion will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Courts and The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am trying to get the old inquiries off my credit so that I can see an improvement in my score. Can you please remove them for me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.

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 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.

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 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted 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 2018-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Have been attempting to obtain my title from Ally Finance for over one month, company claims to have mailed document and I still have not received. I have called weekly and receive no help from company, every time I call I receive a different explanation. One person says it has been mailed, another says it is sill processing.

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 2018-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have a mortgage loan with XXXX XXXX XXXX as the lender some time ago i was informed by the bank that my loan will be transfer to a new servicer at a certain date, to ocwen loan servicing, over a long period of time i herad nothing from the bank or the servicer i did try to make communication with the servier for over two years but was told that they had not receive any authorization from the bank as yet pertaining to my account, that went on for almost three years, finally they said they will Create an account for me and process a mortgage modification plan for me which they did and giving me a payment in the area of {$1400.00} .per month which i started to pay but when i tried to make a second payment my payment was refused on the grounds that my account was ivalid. and the payment i made will go in escrow, I made a QWR.of which they responded without any clear explination or to explain if they had authorihy to collect payments from me they eventually transfer the created account to another servicer who has it now i think the bank has violated certain laws by collecting mortgage payment without proper authorithy i am not sure if they have any authorithy to make any transfer.

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 2018-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc.
State: ID

Complaint narrative:
The company is Santander consumer. I was not able to make payments with the title loan back in XX/XX/XXXX. I tried to make arrangement to get back on track. The only option was to pay over {$2000.00} in ten days or give them the van. I gave them the van. A man came and picked up the car. They did not have to tow just drive away with a full tank of gas. I was told they would sale the van in a month  and get a statement if anything else was owed. I did not hear a thing for years. In XX/XX/XXXX they called my husband. Not me who was the only one on the loan. At first he kept telling them he didn't do this loan. After time we figured out who they were. We asked for a full report for we did not get one three years ago. This loan is not on his credit report. When we finally got the paper work it was confusing. By the time they sold the car the principal balance was {$1.00}. But a misc. Fees of {$330.00}. When asked what those fees were, anyone we talked to in the company refused to tell us what the misc fees are. We told them that if they can't explain the fees then why would we pay them for nothing and we could pay them the {$1.00}. They said no you have to pay the fees. When asked them how we can get this solved they just said pay and now they are charging more. On my credit report it now says I owe {$780.00}. This company waited for over 3 years to tell me I owe them for fees that wont or cant explain and now they just call and call and still refuse to work with us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted 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 non-monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have an AMEX Platinum card and was sent an application for a Gold card which included a XXXX   mileage reward. When I applied I told AMEX ( XX/XX/XXXX ) I thought I once had a Gold card, but AMEX assured me I was eligible. I met the spending requirement and in XX/XX/XXXX not seeing the miles, questioned Amex. The company said the miles would be posted. When the miles did not turn up in XX/XX/XXXX, I called again and was told I was not eligible because I once had a Gold card. I made every effort to clarify my position and believe AMEX owes me the mileage reward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened credit charge account with XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I made a purchase with XXXX XXXX XXXX XXXX in the amount of XXXX and received promotional rate with 0 APR for 12 months. They offered me deferred interest for 12 months if I paid my purchases in full by the end.. My promotional purchase expired on XX/XX/XXXX. By that time I paid my balance by 50 percent and my ending balance was XXXX. On XX/XX/XXXX XXXX XXXX   charged me deferred interest to my original balance of purchase in the amount of XXXX. I was not aware that creditor charges interest to the original balance of my purchase regardless what amount has been paid off. They charged me 29.99 percent APR which is ridiculously high and almost doubled my ending balance. As of XX/XX/XXXX my new balance was XXXX. I contacted XXXX XXXX and asked them to reduce my deferred interest since half of original balance has been paid already by the end of promotional rate. They advised me that if I pay my balance within 30 days, then the deferred interest will be removed. I made two additional payments during billing period to reduce my ending balance as much as possible. However creditor applied only one of my payments to my XX/XX/XXXX statement and charged me additional interest in the amount of XXXX. I contacted XXXX XXXX again and asked them why they did not apply my 2nd payment to my statement. They stated because the statement was generated before they received my 2nd payment. They did this in purpose in order to charge me more interest. This is deceptive billing practice from XXXX XXXX and they stated they are unable to adjust interest since they have to follow Federal regulations and I signed a legal contract with them. I feel that XXXX XXXX disrespects their customers and they charge a high interest after promotional rate expired because of their deceptive billing practices and deferred interest policy.

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 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS  these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was charged an overdraft fee for a purchase of {$210.00} initiated on XX/XX/XXXX and posted XX/XX/XXXX. On Tuesday, I also received via direct deposit my tax refund of {$2800.00}. On XX/XX/XXXX I initiated a transaction for {$2000.00}, which posted on XX/XX/XXXX on that same day i was paid around 1,000 dollars. On both  occasions I was assessed an overdraft fee for pending charges and during both times those funds from my transactions was not held/removed from my account on the Citibank app. So when i went to look at my account before i made another transaction I thought I had more money in my account than was actually there. During that week I had pending credits that would cover any " overdraft ''. Citibank charged me two overdraft fees for pending purchases ignoring the pending credits that was on my account.

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 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Just by creating an account I was automatically subscribed and billed to a {$19.00} fee for a useless service.

These are the steps shown on the screen during account creation. There is no mentioning of a fee or any order button at any point in time.

Step 1 Tell us about yourself Step 2 Create your account Step 3 Verify your identity I tried to get help from the customer service and they said they can't help me with a refund. 

Here is the link to the form : XXXX XXXX XXXX XXXX XXXX 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