vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Transition has an address on my credit report in XXXX Missouri. I have never lived there. I do n't know if this will make a difference, but should be corrected. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I disputed a collection items reported by XXXX XXXX. Transunion has continued to report it ; however, has not provided an evidence that the account is mine. They have changed removed it twice and then changed the around twice. I have even showed them where I wrote to XXXX XXXX and the letter was returned back to me saying it was a bad address. I have reported this account three times and the only thing that has changed has been the dollar amount but no documents on why nor copies of signatures from the collection agency.

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 2015-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: VA

Complaint narrative:
I spoke to Gatewayone lending on XXXX to remove the recurring payment from my loan since I had setup billpay with my bank. Gatewayone lending assured me several times on the phone I was not automatic payment from my checking. I mentioned the website said the word " recurring '', the person on the phone said that they do not even have my checking account information on file. 

On XXXX I noticed that my checking account was lower then usual. So I did some digging and found out that on XXXX and XXXX Gatewayone had stolen amounts equal to my auto loan payment from my checking account. I called Gatewayone lending and asked about my recurring payment, they told me again I do not have XXXX and that they see in their system that I called in XX/XX/XXXX. Their system had notes about me wanting to cancel my recurring payment, and their notes said I did not have recurring payment setup. I informed the agent on the phone that I would like to know why my checking account shows they have been taking money from me then. They put me on a hold and came back saying they were sorry and would like proof they took my money. I told them I want the money back in my account in the same time frame it took them to steal it from me ( payment was due on the XXXX, they had the money out of my account by the XXXX, so XXXX days ). They told me that was not possible and that they require I provide a copy of my bank statement to prove they stole from me ( even though the person on the phone admitted that they see the amounts posted on my loan ). I informed the representive that I have been recording them ( they have an automatic message that says I may be recorded, so turn about is fair play ), they were fine with the recording. 

I contacted my bank to put a stop payment on all the fraud done by Gatewayone lending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I can no longer access my XXXX account. I had nearly XXXX points prior to making the conversion to the XXXX card and was actively participating in auctions on the website. Was told by a rep via email that a product conversion cancelled my points. I was not aware of that upon making the conversion and would like the opportunity to use my points.

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 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My correct address is XXXX. XXXX XXXX, XXXX, WI XXXX. The incorrect address on my credit report that should be removed is XXXX. XXXX XXXX, XXXX, WI 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 non-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: AL

Complaint narrative:
I contacted Transunion XX/XX/2012 about removing XXXX tax liens from my credit report. I was a victim of identity theft and a business was opened in my name. The business then failed to pay State Sales Tax resulting in tax liens filed against me. I was told I had to provide a police report which I have multiple times to get these removed from my credit report. XXXX was able to remove them with no issue YEARS ago from my credit report. Every time I speak with Transunion I am told the exact same story, that the documents have not been received and they 're unable to remove anything without them. Despite multiple faxed copies, that show as being received by the fax receipt and mailing multiple copies including certified copies, the company still claims they have not gotten the needed information from me. The company refuses to provide me with a direct contact or direct email address of where I can send this information. This issue has been on going for FOUR years doing damage to my credit and is not expected to be removed for another 2-3 years. This is completely unacceptable. I have sent in the requested documents multiple times only for them to be " not received ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Premier Portfolio Group
State: LA

Complaint narrative:
They constantly call saying I they are attempting to collect a debt from XXXX XXXX XXXX from 2011. They say I applied online and received the money into my checking account at XXXX. I have NEVER had an account at XXXX and I have NEVER applied for an online loan or received one. I have never received any letter or legal items and I ask them for a verification of debt they say they send it and I have NEVER received anything from them. They say I have 24hrs to return the call and pay before legal action is taken but I cant even get a proof of debt. AND ... They are very rude and constantly try to use threatening tactics to get my money but I know the laws, I know my rights and they are not getting a XXXX thing from me! They are SCAMMERS!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both XXXX and Transunion on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from XXXX and {$17.00} from Transunion were chargedto my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
XXXX has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
Transunion is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been trying since last year to obtain my credit report online from Transunion. I have disputed the issue several times to Transunion and i was told that there is not an error on their part. But it is! My file has some sort of block on it that will not allow me my credit file online unless i PAY for it. I 'm attaching again a copy of the error message i have been getting since last year. every time i call they can not give me any information as to why my file is blocked for myself to view

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 2016-11-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
We received a letter dated XXXX XXXX, 2016 from SPS Select Portfolio Servicing. The letter ( attached ) stated erroneously that SPS is the mortgage servicer of their referenced account. It identified a new Relationship Manager as XXXX XXXX. This complaint is to reject the letter and to report the letter as improper communication due to the following : On XXXX XXXX, 2016 a complaint was submitted as # XXXX to the CFPB because SPS illegally threatened legal action. The SPS response was disputed. SPS was informed that we refuse to pay the alleged debt in a letter dated XXXX XXXX, 2016. We specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved. 
FDCPA 15 USC 1692 ( c ) CEASING COMMUNICATION -- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
Again we specifically demand that SPS cease communication with us and that the account be terminated. There is no loan to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, I am writing this complaint with regards to a Balance transfer I did from my Capital One Credit Card account to XXXX XXXX XXXX Credit Card account on XXXX XXXX, 2015. I put the account number of my XXXX XXXX XXXX 's account and submitted the transfer. After 10 days when the funds were not showing on my XXXX XXXX XXXX 's account, I called the Capital one for the status and they confirmed me that funds have already been sent out. After further investigation, it was found that the funds were actually sent to XXXX XXXX instead of XXXX XXXX XXXX. They put my XXXX XXXX XXXX 's account number but sent it to the wrong address to XXXX 's and I do not have any account with XXXX 's. We then had a conference call first which was between me, Capital One and XXXX XXXX XXXX and they, XXXX XXXX XXXX, confirmed that the account number was right which I requested for Balance Transfer but they have not received any payment or funds. Then we had another conference call which was between me, Capital One and XXXX and representative from XXXX confirmed that I do not have any account with them, so they can not find any payment or funds. 
Later Capital One started investigation and as per them, they requested XXXX to return the funds from there missing file. This was done on XXXX XXXX, 2015. 
Yesterday, XXXX XXXX, 2015, when I called Capital One for an update, they told me that they have not received any funds back from XXXX and also they can not guarantee to refund my money if XXXX do n't reply them. 
I provided the correct Bank Information and Capital One erroneously wired/transferred funds to the wrong Bank. I have not received any funds, it was their error, yet they will not correct my account balance on the original credit card unless XXXX refunds. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This company continues to report incorrect information on my credit report. This account was XXXX and no longer can report on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
After a complaint has been investigated with Trans Union, it is impossible to obtain the free updated report they are required to provide. When you go to the website which offers a " Free report '' you can only proceed if you agree to be charged {$11.00}.

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 explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIERRA PACIFIC MORTGAGE
State: NV

Complaint narrative:
In XX/XX/XXXX, I received a written Annual Escrow Account Disclosure Statement dated XXXX XXXX, 2015 from XXXX XXXX Mortgage explaining that I had too much money in my escrow reserve account. The letter included their Check # XXXX dated XXXX XXXX, 2015 in the amount of {$210.00} with my name as the Payee. I attempted to cash that check on XXXX XXXX, 2015 at a branch of XXXX XXXX XXXX where I have several accounts. After 30 minutes and several phone calls, the XXXX representative advised me that Sierra Pacific REFUSED to honor the check -- the XXXX representative told me that Check XXXX was no good and I had to contact Sierra Pacific to get the issue resolved. I immediately called Sierra Pacific at XXXX and spoke to their representative. She told me that Sierra Pacific was aware of the problem, that there were several accounts with the same issue, and that Sierra Pacific would immediately issue a new check and mail it to me on Friday, XXXX XXXX and I would receive it by Tuesday, XXXX XXXX. On Friday, XXXX XXXX, I again contacted Sierra Pacific at XXXX and spoke to another representative and I learned that NOTHING had been done. I requested to speak to a supervisor and my call was placed on hold -- I remained on hold for 40 minutes. I called back and spoke to a representative named " XXXX '' and she also placed me on hold waiting for a supervisor. I learned that customers requesting to speak to a supervisor were simply put on hold and the majority of those calls were not ever picked up. I was able to convince XXXX to give me their Fax phone number and she also allowed me to leave a Voicemail message in the supervisor mail box. The Voicemail message stated that it belonged to a supervisor named XXXX. I left an informative message in that mailbox. Also, on XXXX XXXX, I faxed my letter to Sierra Pacific Mortgage to their Fax number at XXXX and requested my replacement check to be mailed immediately. I have verification that the Fax was delivered successfully. I have not received the check .. I have not been contacted by any representative of Sierra Pacific Mortgage. This insulting lack of customer service is unacceptable. I want the replacement check in the amount of {$210.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I had XXXX collections show up on my transunion report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent transunion a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from transunion yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has Midlands sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that Midlands got my validation letter. A copy of that validation letter. A copy of the letter that was sent to transunion and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated

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 2016-09-20 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:
On XX/XX/2016 I had all my inquires deleted. And when I logged back in today they are all back. This caused my score to go down.

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 2015-04-29 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 have disputed several items on my credit report that are the result of someone using my information for XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have a phone through XXXX XXXX and have had cable at my address for several years in my wife 's name. I have disputed these items several times and called XXXX XXXX XXXX etc. and they have removed these due to fraud. Yet a collection agency still is trying to collect for all of these. I want them removed ... .or proof of my drivers lisence used with my picture on it. All of the phone companies and cable company do not require photo id ... .and these are not mine. I want proof this is me, or remove them immediately. What ID was used to open these accounts???? Also XXXX XXXX XXXX?? There is not even a XXXX XXXX XXXX in the state of Washington ... .I have never lived anywhere but here and this account is fraud. What information was used to open these accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX I checked my credit report and all of my inquries were gone. I logged in today and they are back and my score went down,

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 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX from my credit report!!!!! I never applied to XXXX DO NOT OPEN A FRUAD ALERT!!!! 

You must remove payment plan from XXXX there is no payment plain account is closed I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved 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