vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion has fail to provided me with dispute results on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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 has ignored my pleas to them about being a victim of identity theft. They have not deleted the items that I have provided them a police report for. They are ignoring my consumer rights. I expect fraudulent items to be deleted not play games about filing out forms to have a " fraud alert '' on my credit which does ZERO to get these fraudulent items off my report and does NOT stop identity thieves from stealing my identity. I will get a freeze once TU gets off their hands and does their jobs!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Hi, I originally spoke with a manager XXXX XXXX at AD Astra Recovery Services and made an arrangement to pay off my debt ( XXXX ) in exchange for them removing the debt. So I paid off the debt {$310.00}, but they are refusing to remove them from credit reports. When I paid the debt I sent a letter ( below ) with a cashier check and in the memo line of the check I wrote ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ). They cashed the cashier check on XXXX/XXXX/15. But again they will not remove it, they say I did n't pay it in time. 

( This is a copy of the letter I sent Ad Astra Recovery Services minus my name, account number and address ) XXXXAD ASTRA Recovery ServicesXXXX XXXX XXXX XXXX XXXX XXXX . XXXX, KS XXXXAc XXXX To whom it may concern, ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ) To whom it may concern, As per my conversation with your customer service representative, I am following through with my pledge to settle this debt in exchange for its removal from my credit report. Henceforth, I am attaching a check for $ XXXXto pay off the referenced account under the condition that the account will be removed in entirety from all the credit bureaus your company has reported this account to. 

If the implied conditions to delete or not verify are not acceptable to you, please kindly return my check. In the event that you cash this check and not remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office and proceed with filing suit. 

Truly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I believe that my Lender has wrongfully foreclosed on my property. My loan was audited, and it was determined that it fell under the predatory loan. Although we hired an Attorney to fight the foreclosure, in the end the Lender was able to get a foreclosure Judgement. I believe that the Lender did not have the original note. Additionally, we made several request for a loan modification, and was told that we did not qualify for Hamp because our loan was a private investor loan. ( investor being XXXX XXXX ) The Lender forced placed insurance which is 5 times more that what we were paying on the original loan. which makes it very hard to afford any type of payment. I am hoping that something can be done to help us keep our home. We have gross income of {$8600.00}, per month, our home is worth approx. XXXX, our loan amount is currently at {$560000.00}. Please help, we have a sale date of XXXX XXXX 2015. We have exhausted every avenue and do n't know where to turn to. We would consider any offer from the lender to remedy the situation rather than foreclose. Please HELP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
XXXX reported on my Transunion Credit Report on the following dates : XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I did not inquire any information regarding this company. These are XXXX hard inquiries.

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 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Name is misspelled

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested validation of bankruptcy reference # XXXX, # XXXX, and # XXXX on my credit report from Transunion and Transunion sent me a letter stating that they verified the public records through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Transunion Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Transunion has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After terminating service with trash collector they are trying to collect a payment in advance. Years of monthly service and payments, the payment of 3 months in advance was demanded, therefor service was terminated. Now this has been sold to a collection agency a year or more later. Documents destroyed due to frustration with vendor.

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: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRSTBANK
State: MN

Complaint narrative:
My debit card was used fraudently. Over {$380.00} was used at a local XXXX. 
I called them and reported the activity. CSR filled out a fraud report. 
They mailed me out another debit card. Then blocked the debit card saying the fraud report was bogus. They also would not let me close the checking account. 
They refuse to remove from my credit report saying the dispute is too old. I should just just pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have made all payments on time to XXXX XXXX XXXX. However, this month when reported my credit score dropped XXXX points as a result of late payment. When reviewing the payment history, all sections are in good standing, however, it says I am 39-50 days late in that section as well. I am current with all payments, I have NOT missed or been late on a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My business has declined in the last two months, XXXX of my business accounts have been overdrawn for a couple weeks I spoke to a banker over the phone and explained my situation to them and gave them a date when I can bring the account current. My other business account with them had only {$1400.00} they withdrew money out of that account and put the money in the account that is negative, now both accounts are negative. All the money the business had was pulled out. Not only will I start being charged for the account that was already but now I have XXXX accounts negative. I understand they can offset an account but how can they offset the account and bring both accounts in the negative?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I returned my leased XXXX. XXXX to the dealer 1 day before the lease expired. The car was in perfect condition inside and out with only XXXX miles. It received a minor fender bender ( dent ) in the left rear fender which I had repaired. It was a excellent repair job and the only repair on the car. Several days after I returned it I received a bill from Ally Financial ( the lessor ) for a charge of {$580.00} for excessive wear. They claimed I owed ; {$120.00} for previous repair, front bumper previous repair {$140.00}, right fender dented {$160.00}, and fender left {$110.00} grind M?. All of these charges are completely false as the car was in pristine condition and no other repairs had ever been made and there were no other dents that I was aware of. This padding of the bill is just plain fraud in my opinion and these people should not be able to get away with it. I could expect to pay for a simple inspection charge but to lie about this " excessive damage '' is a complete fabrication. They even claimed that the car was dirty inside when it was immaculate. I called the dealer to complain but he was no help and I called Ally Financial and registered a complaint with them and they even called me back, but they said they would get back to me and that is where we left it. Of course, in their statement they said how pleased they were to have my business but if I did n't pay promptly they would report me to the credit reporting agency if I " fail to fulfill the terms of the obligation ''.

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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I report to Transunion about an inquire that was made from XXXX XXXX every three months, This was made by error in my name. I already received a letter from Transunion and also tell them to lock my credit, but this month again was a credit inquire for the same place. i dont know what to do.

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 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name has never been XXXX not have I ever lived on XXXX XXXX XXXX, TX XXXX I will print my credit report and view all of it to determine whether any of what is reported is n't mine. 

thanksXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have desperately been trying to put an initial fraud alert on my credit file. I keep getting alerts from banks, email providers, everyone really, saying someone is trying to log in to my accounts from XXXX. I obviouslly want to put a fraud alert on my file. I go and try to do it online, submit all my information, and am told they are unable to assist me online and i should call for more information. Wehn I call, if I use the automated self service, they tell me they are unable to assist me over the phone and to file online. If I choose an option that seems like it would get me a live person, i am put on hold until the call auto disconnects. Meanwhile, someone is going to log in to my accounts and steal all my money and I am NOT being protected by these companies.

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 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i called the credit card company and they are showing this account closed. i went through a debt resolution company. i had a settlement with this company which was honored. the balance they forgave is showing on the credit report and it is showing open account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports all have freezes applied. However, in speaking to a company with which I applied for credit, I was informed that TransUnion does not have a freeze on my report. And, that the the information on my report was partially the reason my application for credit was denied. This is a blatant violation of my right to protect my credit history from inaccurate information being released. This breech has caused me to lose credit and I demand that the freeze be reapplied to my report. And, that TransUnion be made to pay punitive damages for this breech! 

The documents ( s ) proving my claim have already been submitted via this portal.

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

Complaint narrative:
On both my transunion and XXXX report XXXX has my account listed as charged off or repossesed. My car was stolen and I have the police report to prove it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I wrote to Ally Bank on XXXX XXXX to provide me account verification letter. Made few follows ups by email and chat. Since last 3 days - i have made four phone calls. In all spent close to 3.5 hours for this but have got nothing from them except plain assurances. Today morning - i was told that i will be getting it within 3 hours. nothing happened. Then called them during evening - they said may be tomorrow. Good amount of hold/wait time and inconvenience. I know ally is web bank - but these kind of stuff - it 's very difficult to deal with this bank. Has it been any bank with branch-this could be done in less than 30 minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the Credit reporting agencies have not followed the law. Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. 
Blocking Bad Credit Information from Credit ReportsThe law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: VA

Complaint narrative:
I received a letter in the mail that showed that I might be eligible to lower my house payment, so I contacted the number on the letter and spoke to an agent, XXXX XXXX on XXXX. I initially wanted to roll XXXX loans into XXXX, essentially having XXXX big payment but unfortunately I was unable to do so and XXXX advised me to use the payment from XXXX and XXXX towards my car loan. ( He told me that he would be able to close on my house by XXXX and my XXXX and XXXX payment would be rolled pretty much to the end of my loan. ) After sending all the requested documentation, I was under the impression that everything was handled and taken care of. I was advised by XXXX to stop my monthly payment in XXXX. XXXX I started to get calls from Pacific Union regarding my account. I called XXXX and he said to ignore them, that they were just needing my husband 's information to close on my account ( to show his proof of income. ) I sent him the documentation within hours of him requesting it and went on about my business. XXXX rolls around and I answered a call from Pacific Union. I told the representative that I am refinancing my house and it all should 've been taken care of. I called XXXX and he said that he was unable to close due to some issues ( HE DID NOT BOTHER TO CALL TO TELL ME THIS ) and he said not to worry he is going to fix this. The next day, XXXX calls me back and tells me to make my XXXX house payment. It was already after the XXXX. I do not have that money because I was under the impression that I was able to skip my XXXX CONSECUTIVE HOUSE PAYMENTS so I do not have the money needed. He said that he is going to try to close my house by the end of the week. Since XXXX XXXX he has not called to update me nor inform me as to what is going on with my account. I am now two months behind on my house payment, in a financial hardship, physically stressed out over this whole situation and very upset with the service I have received. I am currently XXXX and have a lot on my plate at work so to have someone tell me that they were going to take care of me and have that all been a lie, it is really upsetting. I am seeking guidance in this situation. I want someone to please explain how XXXX XXXX is able to mess customers credit up by essentially painting a picture and having it all be false hope. I made XXXX consecutive payments and am trying to repair my credit and now I have to scramble to see how I am able to come up with some money to pay towards my house until I get paid again in XXXX. I tried reaching a Supervisor in the loan department and have been unsuccessful and the only number that anyone seems to have is XXXX XXXX 's voicemail number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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:
THERE ARE SEVERAL CREDIT INQUIRES XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED

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