vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I relocated to the XXXX area for work and rented a small apartment for XXXX months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX by XXXX in XX/XX/XXXX, XXXX years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XX/XX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX The same account that I had paid in XX/XX/XXXX of the previous year. I had contacted the company and was told that the account had a zero balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account XXXX months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a zero balance. I inquired as to why I was told by XXXX of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made in XX/XX/XXXX and remove this negative mark on my 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 explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I had a legal name change in XXXX and another legal name change in XXXX with a divorce back to my former name. I want the credit report to be in my current legal name and show the other name from XXXX as an also known as name. I have spend 2 years trying to get TransUnion to correct my name on my credit report. The only accounts I have have been reporting my credit in my current and correct name. TransUnion says they can not change my name, but I have to have the creditors report it to them. All the open accounts have reported as my current legal name, yet TransUnion continues to insist on refusing to have my current legal name as the primary name on their credit report and continue to use at the AKA name as primary. I am concerned that other persons with my former name at my former address may have the opportunity for identity thief. I do not want an old AKA name as the primary name. TransUnion continues to refuse to correct my personal information saying it is the responsibility of my creditors.

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 2015-05-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: ME

Complaint narrative:
My mortgage company went from XXXX to XXXX XXXX XXXX to Green tree and has been nothing but Inconsistent communication. As I have tried to establish some form of reasonable payment I have been tossed around like trash. If I was given different deadlines and always tried to reach them, leaving messages asked for a return call. It never happened. My payments were anywhere from XXXX down to XXXX and XXXX with ARM of XXXX % interest. This has been all over the place from the start, My home has been underwater for some time now, My husband and I have even walked from the home after filling Bankrupsy back in XXXX and returned after a year and half when given false hope the bank would work with us, not to mention the company that they had monitoring our home when we left, appeared to have taken all the copper piping. When Green Tree sends you paperwork, often you will recieve several copies from basic mail, XXXX, Certified. With messages to call, or will have unidentified people walking around your house snapping pictures and leaving notes on your door to URGENT! call Green Tree, and when you do, end up leaving messages with no return. I do n't want to loose my home, but this company is not really there to help. This process has taken my trust, my money, my serenity, with no desire to help ones that need it most.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to the bankruptcy of the company I worked for I defaulted on my agreement with the IRS. The IRS put a lien on my property. A few days later my credit score dropped more than XXXX point. We spent the last few years cleaning up the problems and the IRS removed the lien and the credit reporting agency, Trans Union removed the record but my credit score did n't go up an iota. It is a one way street looks like. I know that it took an act of congress even to get to the point of them removing the record, but if the score is n't changed than they are showing a finger to the lawmakers and indirectly to you. 
Please investigate the matter. If you need more information I am more than happy to provide it. I do n't think I am the only one with this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to the personal finance section of XXXX for a soft Credit check to see if I could possibly qualify for a loan, but I never ask for credit to be check and now I am receiving letter from different company with refusals. which inturn goes on my credit report. my problem is I did ask for 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 2016-07-26 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:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$150.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This Credit Reporting Agencies information on the credit report for XXXX XXXX XXXX is incorrect and I demand be corrected immediately! 
Re : [ XXXX ] Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House Joint Resolution 192 of the United States Congress, passed in Congress assembled on XX/XX/1933. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Trans Union. 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY UCC 11 FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I also sent out a letter to the clerk of XXXX XXXX requesting the method of verification of the validity of the bankruptcy. They responded that they do not report to any Credit Bureau. Credit reporting agencies verify records through a third party database such as XXXX and some even verify through other creditors. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the XXXX office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA XXXX. False or misleading representations [ XXXX XXXX XXXX ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2016-09-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I was sent a statement from my car loan company after an accident ( XXXX XXXX ) and subsequent payoff that I was cleared of payments till XXXX XXXX. A few months later they started sending me bills again. They stated that it was an error on their part and I should have been getting charged the whole time because the insurance did n't cover the whole cost of what was owed on the car. They originally applied the amount my insurance paid them to my bills which covered " x '' amounts of payments leaving me cleared till XXXX. They then decided I was to either pay them the remaining amount or continue with my regularly monthly payments. In the mean time I sourced a new vehicle based on my budget and the statement that they gave me stated I was cleared till XXXX. I complied and started making the payments on XXXX vehicles now even though I felt this was unfair practice. I had a rough month and made a late payment on the last day possible via their statement. Their policy says if the payment is submitted before XXXX it would be counted as that day, I made it @ XXXX which means I was clear. They then posted to my credit report that I was over 30 days past due, based on the fact that it was due XX/XX/XXXX and they did n't receive it till XX/XX/XXXX. I talked to them on the phone, they refused to admit their error until I persisted and gave them my confirmation number proving my case. They still have yet to work with me or offer to pull the hit on my credit report. Multiple times I feel I was treated unfairly by XXXX XXXX and I attempted to work with them and they would not even make the correction after admitting their own error

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 2017-01-11 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 the same account on my credit report three times, XXXX are regular account the other was just added as a public record yesterday but shows a date of XXXX. This information is wrong this is XXXX account which should be paid in full. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed XXXX Missed Payment {$1400.00} The public record listed below Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems XXXX Other XXXX XXXX, XXXX Closed {$0.00} This account below is fraud. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$4100.00} The XXXX accounts below is not mines. 
XXXX Auto XXXX XXXX, XXXX Open - Collection/Charge-Off {$3000.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1000.00}

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 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently pulled my credit report and have found errors on the report. I have contacted the company several times through letters and phone calls to no avail. The FCRA states that the only permissible purpose for pulling credit is a ) a firm offer of credit b ) insurance c ) eployment d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. I have also requested that they update my address to my current address and they have not complied.

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 2015-10-05 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:
My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to Trans Union, XXXX, and XXXX. They did not do a thorough investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I paid my auto loan on the website and received an email to my personal account with an alert stating that it was suspicious. I will like to know if a third party is receiving my payment.

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 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These items XXXX XXXX Bank is reporting are inaccurate. Report states last payment was XXXX XXXX, but it was in XXXX. They report major delinquency was first reported in XXXX, but it was XXXX. Also amount owing wrong. They say {$390.00}, but account nearly paid off. I requested from them proof of the information they are reporting under the Fair Debt Collection and they never responded.

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 2015-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: IL

Complaint narrative:
CALLING ALL FAMILY MEMBERS, WORK, CELL AND HOME IN VIOLATION OF TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Corp Solutions Inc.
State: MD

Complaint narrative:
filed complaint XX/XX/XXXX # XXXX that this is debt is not mine.received letter dated XX/XX/XXXX offering discount settlement.never shopped at store listed. ss # listed on debt is not mine

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I took out a loan in XX/XX/XXXX for {$15000.00}. I recently called back on the XX/XX/XXXX for a pay off qoute in which I paid. I never received a letter stating that the loan was paid in full, when I called about this I was told that I own more money. When I ask how much is still owed ot ask for an explination., I am told to call XXXX at XXXX but no one ever answers. This practive is simple extortion and a volation of the Fair Credit and Lending act. I also had to report this loan company before for turning mr into collections when the loan was NOT in default.

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