vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
When I got my report I saw, under Adverse Accounts, " XXXX XXXX XXXX, '' collecting for XXXX XXXX XXXX XXXX in XXXX WI. I had told XXXX XXXX and then XXXX that I do not owe this money because neither I or anyone acting in my behalf ( my husband being with me ) gave my permission for the ambulance transportation and when I asked for their pertinent documents the driver provided, as " proof '' that I did, a fraudulent receipt signed only by him, which is against Medicare rules. I disputed the adverse report with TransUnion, the only credit agency who gave me a free report, and they issued a " research '' report that my compliant was frivolous without speaking with me or asking for my proof. This is contrary to the new statute saying they must get my side of a complaint about an adverse credit report. The attached papers describe the incident in detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute to Transunion XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.

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 2015-04-28 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:
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX Credit XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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 just gotten a investigation completed as of XXXX XXXX from trans union, I have noticed reinserted a previous deleted account from XXXX and also notice several other negative during any accounts, especially the XXXX first premier accounts, who always report negative information or incorrect and wok with the bureaus in the disputes by basically automatically verifying information with out really during any true reporting, So again I these accounts do not belong there and is not my duty to provide things to them but for them to verify there inaccuracies, and sometimes consumers dont keep records that old or have other documents to send to them if the accounts were never reporting right at all.Also as the previous dispute, the report contains a outrageous amount of inquiries that I have no way to dispute as I should by law. I ask that investigate this entire list of inquiries, cause there is at least XXXX to XXXX fraudulent or unauthorized use of my report being sold or view by companies that dont have record of the inquiries, or Transunion is selling or providing them reports in error or directly to make money.

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 2016-03-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
i purchase a vehicle from ally financial the total of the car {$9300.00} without taxes and interest added so after everything was added i finance {$10000.00} for the car it self and then it was {$2500.00} added for finance charges for the 48 month loan which brought my debt to {$13000.00}. paying {$280.00} a month for 24 months which totals the {$13000.00} ... now my issue is that my car got totals 19 months in have the loan.. so the insurance only paid off {$6600.00} the blue book value.. and after what i paid i got a bill in XXXX XXXX saying i owe them XXXX balance and at that time i was told my next payment was n't due until XXXX XXXX because they calculated the payments as advance payments.. but they did issue another bill in XXXX fixing the error saying my next bill was due in XXXX XXXX for {$280.00} prior before that on XXXX XXXX XXXX i start paying them {$15.00} a week just to be paying towards the bill so now i have paid about {$200.00} towards that bill, so i call in so they could subtracts what i had paid so far but they act like they had n't got any payment from me, so i kept paying up until XX/XX/XXXX because they would never acknowledge my payment so i stop paying them after reading my contract say my payments could be cheaper if my car got paid off early, so i inquire about that, but they would n't give me no information on that ... my contract charge me {$2500.00} for 48 months so if i paid it off in less then 24 month i should n't have to paid the full interest, they should 've have gave me a paid balance subtracting some of the interest, how can they still charge me for the 48 months interest when the car is almost paid off plus they where charging me a daily interest as well they said, i have all my receipt could you please inform me if they can continued to charge me for the full interest if i paid them off early, plus they have not subtract what i been paying weekly, i sent then a copy of my bank statement showing what they where taking out my account.. please help they are robbing customer taking extra interest from customer ...

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries 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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars XX/XX/XXXX and XXXX of XXXX dollar XX/XX/XXXX experian is reporting this and transunion and I mailed them statements if proof of payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Transunion. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.

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 2016-05-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I have regular appointments with the Hospital XXXX. I 've been a regular patient for 9 years for a XXXX XXXX that required the XXXX in XXXX XXXX. In XXXX XXXX, XXXX XXXX and XXXX XXXX, I had follow up appointments to check the status of the XXXX. Apparently, my insurance company denied the XXXX claim on each of these appointments. I was n't aware that these bills were not settled because I never received a bill from the hospital. Recently I was contacted by a debt collector for the balance on these XXXX claims. When I called the hospital, the claim they have mailed bills to my address to which I never responded ; however, they verified that for some reason each of those bills was returned undelivered by the post office. Immediately upon finding out about these unpaid debts, I contacted my insurance company which is in the process of resubmitting the claims in order to settle the debt. In the mean time, I 've had this debt collection company calling and sending me invoices in the mail for a bill that will be covered by my health insurance. I 've told them multiple times that my insurance company is handling the debt, but they still insist on contacting me. My wife and I have exemplary credit. In fact, I pride myself on how good my credit is and I 'm in the process of refinancing my mortgage and now I 'm afraid that I 'll have this debt collector listed on my credit report for the next 7.5 years for a debt that should have never even hit collections if the hospital had figured out how to get a bill to my house so I could contact my insurance company. They did n't even attempt to call or email me. They just sent it right to collections. Funny how the the debt collectors bill arrived in my mail box but nothing from the hospital. When I contacted to hospital, they told me they have to correct address on file so I should contact the USPS. I 've lived at this address for 5 years and all my mail comes to this address. I want for this debt collection company to stop contacting me and I 'd like for any negative entry of this debt to be removed from my credit report. I 've attached documentation showing the bill I 've been receiving from the debt collector. I 've also attached documentation for the reprocessing of XXXX of the XXXX claims showing that XXXX of the debts has been settled. I 'm still waiting for the explanation of benefits for the other XXXX once the claims are reprocessed.

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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear Transunion, I recently received a copy of my credit reports. The credit reports showed payment history of 5 missed payments from the US Department of ED. I contacted the US Department of ED and they were unable to verify the information. I was told by the US Department of ED was not in charge of my Loan, it was XXXX ( XXXX ). I immediately contacted XXXX and they were unable to verify the information. This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. Because of this information on my credit report, I have been wrongfully denied credit recently for a home loan which was highly embarrassing and has negatively impacted my lifestyle. 
I called transunion on XXXX XXXX at XXXX and recorded the conversation. I was told by XXXX employees that they do not control the informations that creditors sent them. It was not Transunion job to verify if the informations are accurate or not. I indicated that the phone number listed for the creditor was a non working number and requested more informations to help him verify the informations but was denied. I was offered to put a dispute on the account as a resolution. I informed the rep that it was not helping me because this inaccurate informations are impacting my life. 
The following information needs to be verified and deleted from my credit report as soon as possible : U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX Please delete the above information as quickly as possible. 
Sincerely, 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 2016-07-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The company is calling my job harassing my co-workers. I have asked them to only call my personal phone number, but they are ignoring my request. The item is already on my credit and I am unable to pay it at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon reviewing my Transunion Credit Report, on XXXX/XXXX/16 ; it was reported that a new collection was added to my report from XXXX XXXX XXXX XXXX XXXX. XXXX. This same account was reported to be removed from my Transunion Credit Report on XXXX/XXXX/2016. On the report from XXXX/XXXX/16 it states the Debt Collector as XXXX XXXX XXXX and the Original Creditor as XXXX XXXX XXXX XXXX XXXX, XXXX, it states balance owed as {$0.00}.

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 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The relationship between a customer and the bank it 's based on longtime trust, client 's record and routinely transactions. We have been loyal customers with Wachovia and ever since the transition to Wells Fargo. The bimonthly payroll it is already a tradition of several years. Two branches in particular we 're accustomed to are XXXX branch and XXXX XXXX, both in FL. Never had any significant issues. On XXXX XXXX, 2016 when doing our routinely transaction, the branch manager at the XXXX XXXX location she refused to perform the usual transaction. Our checking balance as usual, the same payroll check, nothing out of the ordinary. Additionally, when trying to understand why this manager would refuse to perform the transaction, she addressed us with an irritated attitude that was far from professional and has forced us to avoid this branch in the future, perhaps even transfer our business to a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to 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 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a tax lien on my Transunion credit report maintain under my social security number reported by the XXXX XXXX Recorder 's Office. I have contacted the XXXX XXXX Recorders Office, and I do n't have a Judgement legal item. The recorders office stated to me that they do not provide information to credit reporting agencies, nor do they ever validate a public record due to Privacy Laws. On XXXX/XXXX/16 I received a letter from the Recorder Office advising to contact the credit reporting agency Transunion and indicate on my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 and XXXX/XXXX/16 I sent Transunion a certified letter asking them how did they validate or verified this public record entry with the XXXX XXXX Recorder Office and to please permanently delete this Public Record immediately. In my letter I stated according to the Federal Credit Reporting Act ; Section 6099 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through physical verification of the original signed consumer contract-any and all accounts/ public information you post on a credit report otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I also sent them a copy of the letter from the XXXX XXXX Recorders Office telling me to indicate in my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 I received a letter from Transunion indicating the tax lien has been verified on XXXX/XXXX/16 I wrote another letter to Transunion asking to please provide the name, address, and telephone number of each person contacted at the XXXX XXXX Recorder Office and I formally requested a copy of any documents provided by the Recorder 's office bearing my signature. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The Transunion letter also stated " You may contact the company that reports the information to us and dispute it directly with them. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly '' I have already done my research with the XXXX XXXX Recorder 's Office I have already given Transunion a copy of there response.

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: NY

Complaint narrative:
I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to Trans Union with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I periodically monitor my credit report activity and I notice XXXX XXXX listed on my Trans- union report. I have disputed this item on several occasions but the debt collector appears to sell this account. On XX/XX/XXXX a company named XXXX XXXX attempted to collect {$540.00} for XXXX, On XXXX/XXXX/XXXX XXXX, {$430.00}, on XXXX/XXXX/XXXX XXXX {$430.00} Too many times have these companies have showed up on my report. I have sent them a validations letter they remove account and later put it back onto report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus mortgage asked for proof of flood insurance. Sent it as requested but kept getting letters saying they did not receive it.Ending up sending it XXXX times and following up with a phone call. Finally they acknowledged they received it. then a month later they took money out of escrow to purchase flood insurance that i already proved I had.Numerous calls to resolve this have resulted in being put on hold forever, being told they would investigate and call me back which they never do, or saying its been fixed which it has n't I am on a fixed income and need the money back in escrow to pay taxes which are due in a few months. They are causing a severe emotional and financial harddship over such a simple thing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in all my personal information to equifax with proof of who I was and address and they have n't sent me my credit report so I can see what 's on my credit. I put a fraud alert out too cause some of the dealership was letting me know some thing that was listed on my report when they check my credit. I told them that someone had been using my credit

Company response to consumer: Closed with explanation