vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Pacific Union Financial, LLC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and I am current customer of Pacific Union Mortgage. I refinanced my mortgage with them in XXXX of XXXX. I have made my payments with them on time since then and In XXXX of XXXX and I being told, that my mortgage payment will increase over {$800.00} dollars due to an escrow issue. After researching this and calling Pacific Union in XXXX XXXX of XXXX, the CSR rep at Pacific Union discovered this was a mistake by Pacific and the title company for completing excluding the school taxes and that they would reach out to the Title company to get payment from them. The guy said he could clearly see this was overlooked by both Pacific and Title and not to worry. It will be handled accordingly. He said this would be resolved in 30 days. I call back 30 days later and the CSR rep tells me this is my problem now and I should have caught this upfront!! How do you tell a customer his payment is going to increase over XXXX dollars??! Now either the title company or the Pacific Union needs to be held accountable for this mistake. They created this issue and now they need to resolve it! I ca n't afford an {$800.00} dollar payment increase! HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Yes, created a dispute with Transunion, but no dispute number or response. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across XXXX such plan with a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Transunion to correct this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have REPEATEDLY complained to Transunion and even placed a fraud alert on my account. They continue releasing my credit report without my authorization or these people meeting the fair use requirement. They refuse to remove these inquiries. They are as follows. 
I am disputing the following inquiries on my TransUnion Report FILE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : 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 2016-08-31 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:
The credit report agency is reporting inaccurate information on my credit report all XXXX bureaus.. ( ..trans union, XXXX, XXXX ) passed the statue of limitations in the state of california ... .some of the items being report are 14years old why????? statue of limitations is 7 years .... theses items has been laying dormant on my reports for 14 years really..please remove immedately and send me an updated copy reflecting the changes ... thanks in advance

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 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally continues to contact my cell phone asking for information on a relative. They have contacted all of the cell phone numbers in my plan and continue to do so after have been asked several times to cease communication.

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 2016-06-24 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:
This account was opened, used and paid off by an old room mate that had stolid my ID. I have asked for it to be removed because of fraud, but they will not help me. I filed with Federal trade commissions Id theft web site last year.

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 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account shows an address that I have never used before and believe im a victim of credit card fraud

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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX to make a payment for XX/XX/XXXX and XX/XX/XXXX. This is BEFORE the 30 day mark. The gentleman read off his disclaimer and thanked me for my payment. On the XXXX, I contacted XXXX XXXX again wanting to know if they were going to take my payment out of my account. She replied, " If you made a payment we 'll get it. '' I told her that I had made a payment and I was calling to let them know that a payment was made and it 's not reflecting on my bank account. She repeated her initial statement and I ended the call. On XX/XX/XXXX, I called to make a payment and the balance was higher than the month before. He told me that the check was returned for insufficient funds. That was a complete and utter lie. After reviewing my bank statement, there was n't a NSF credit due to trying to process a payment from XXXX XXXX. Finally, after speaking to a gentleman, he stated that " I was correct. It was n't for insufficient funds. '' Of course, I knew that. He told me that he was going to dispute the 30 and 60 days late on my report. It was removed and then mysteriously re-added. After going around and around with them they simply refused to admit that the error was on them not me. Especially, since they did n't attempt to deduct the funds from my account. They already have my banking information stored without my permission, so I did n't have to provide them with anything.Therefore, I should n't be penalized for it. I could n't see if I did n't have the funds availablity, but they simply did n't attempt to retrieve the monies. They have tanked my scores XXXX points due to no fault of my own and I am down right livid and the issue needs to be resolved.

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 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There was a coding error with a Doctors visit ( XX/XX/XXXX ) which was resolved with XXXX XXXX billing Dept. XXXX XXXX picked up the collection. In a 3 way phone conversation ( XXXX billing, XXXX and XXXX XXXX XXXX, XXXX XXXX Billing Dept. told XXXX XXXX that they were not the collection company authorized to make collection and that there is a XXXX balance on the XXXX XXXX Account. XXXX XXXX Billing Dept. Forwarded a two year billing history to me, which was sent to XXXX, XXXX, and Trans Union credit reporting agencies. All XXXX Reporting agencies did not acknowledge the reporting documents in the investigation. Because XXXX is the only agency that has a telephone number to resolve issues. I made a reinvestigation with XXXX only ( ref # XXXX ) XXXX at XXXX stated that there were no notes regarding the billing history in their investigation. I am convinced that All XXXX agencies took the same lack of investigation. 
In addition to the lack of investigation, XXXX XXXX was requested to send an itemized account regarding this issue in XX/XX/XXXX and has not been delivered to this date XX/XX/XXXXIn conclusion, I am not apposed to paying a debit that I owe. I do not feel that a persons credit should suffer as a result of a wrongful case management.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans union is reporting unpaid medical bills for which were paid via NC XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I arranged for a transfer of money from my Ally checking account into my father-in-law 's checking account on XX/XX/2016 and have a printed confirmation of the transaction. The transaction was arranged for through the " pay people '' application on the Ally on line web site. The transfer did not take place and despite numerous inquiries to Ally Bank I have been unable to ascertain A : the status of the transfer, B : the reason for the failure for the transfer, C : how to re-enable the transfer, or D : any information on how to contact anyone to resolve the problem.

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 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX. On XXXX and XXXX, I wrote to TransUnion advising them of the unauthorized inquiry. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

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 2016-08-30 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:
This is not my account never had wireless phone in that company before it is not me someone else is using my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I applied to a loan. Transunion inform the bank that my automobile was placed for collection because I did not paid on time. I went to XXXX Bank in XXXX XXXX to claim that the information was a mistake. In XXXX 2015 I paid the car loan completed and today I have the title of my car. The Bank blame TransUnion or the computer. Then I called TransUnion and they blame the bank. Meanwhile, I need the make a loan and because of this situation now I have to paid 12 % of interest instead of 4 % due to the error on my credit report. Someone has to paid this mistake. I am very disappointed with both XXXX Bank and TransUnion Credit Report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for XXXX years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX or in XXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same XXXX name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: FL

Complaint narrative:
I have sent several letters requesting reports as well as trying to dispute letters. I have not received any reply from any of the 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 non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had a XXXX XXXX Account opened in XXXX and the last time used my account before I close it was XXXX XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. How I check out my credit reports in XXXX of this year and XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Reviewed my credit alerts and notice that Transunion removed inquiries from my report and then reinserted them back on my report. I called to Transunion to resolve this situation and they did not want to resolve. My rights were violated under FCRA while I was not notified of any reinsertion of deleted items. I spoke with XXXX reps XXXX saying he was the supervisor named XXXX and he would not provide me the name of the rep I spoke to prior. All I wanted was for them to correct their mistake and remove the inquiries that should not have been reinserted without notification.

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 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Originally XXXX XXXX reported a balance of XXXX on a credit card that was paid in full and closed, and now it is still being reported by XXXX XXXX and by Transunion, XXXX, and XXXX, as closed but with a balance and that is incorrect it should report closed with a XXXX balance on all XXXX credit reporting agencies. and no one is doing anything to get this issue corrected. IT IS HURTING MY INCOME TO DEBT RATIO AND MY CREDIT SCORE. 
SEE ATTACHMENTS : THEY CONTAIN TRANSUNION RECORD AND XXXX XXXX RECORD.

Company public response: Company 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 — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and TRANSSUION has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX not mine, No proof of debt- Please be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have requested proof of how the following accounts were verified : 1. XXXX XXXX XXXX.-Account # : XXXX 2. XXXX XXXX # : XXXX ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation