vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I 've been monitoring my credit report online for years. I check my report everyday. On XXXX/XXXX/XXXX, I receive an email stated a new account has been added to my credit report. I check my account and notice the information that is being reported stated that the account was first reported in XXXX XXXX by XXXX XXXX XXXX XXXX Needless to say, this is my first time seeing this account on my report as perviously stated, I check my account everyday. I called and was transferred to different departments. With no solution. I am requesting this account to be deleted because it was not there a week ago or even in XXXX. How was this account verified to be placed on my credit report? Was it deleted then reinserted? Who verified this account? How was the account verified? Is transunion or XXXX XXXX XXXX able to provide me with an orginal contract that I signed with the orginal creditor? I just feel like my rights were violated. I receive a call last week from a lady claiming to work for this company and asking for my mom and stated she needed to deliver some papers to me and then a week later, I get an email about a new account on my credit report. Is this the legal way to verify a debt? Either way, I never received any notification of it. And its bad practice. Like I said before, I check my account every single day and i know what is on my account and this was not there in XXXX. I need to move and its preventing from renting I have a XXXX mth old baby and i have up until the XXXX to move. And has become an issue at this 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 2016-07-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XXXX, 2016, I received a voicemail from Capital One Fraud Department asking me to call right away since they believed they had detected " suspicious activity on XXXX of my credit card accounts. '' Over four months later, I continue to be billed for fees and interest on a closed account that Capital One agreed had been used fraudulently via identity theft, and that we had XXXX liability to pay. Capital One assured me that I ( and my husband, whose name was also on the account ) would not have our credit scores affected, and yet Capital One continues to report that we are " past due '' for money we do n't owe ( that they agreed was stolen via identify theft in the first place ) ; they refuse to help correct our credit score. Capital One keeps " finding '' additional charges on our account when I call them to inquire why they keep billing us for a closed account with a {$0.00} balance ; they refuse to send us anything in writing, so we have never seen the charges we are meant to dispute ; we also sent Capital One a registered letter under the Fair Credit Billing Act ( FCBA ) and by law they were required to reply in writing within 30 days ( they did n't ) and to cease attempting to collect money ( they have n't ). What began as a " simple '' theft of {$15.00} has turned into a 4+ month nightmare of repeated calls, repeated billings for money we do n't owe, XXXX perfect credit scores lowered without any of this being our fault, no apologies, and no end in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have previously dispute so many creditors on my credit report .... 

I would love for all of the fraudulent student loan reports to be moved. 

please contact me at XXXXXXXXXXXX to go over each one ...

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 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX Services is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disputed a public record ( tax lien ) that I received letters from the state that they lien was paid and told to forward said letter to the CRAs for withdrawal from my credit report. Instead, I received a letter saying that it would not be removed. In addition to the letter, another lien that never existed populated onto my credit report.

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 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Equifax, Trans Union and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.

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 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX 2015 I visited a XXXX to be treated for an illness. My health insurance was billed, and they covered the visit ( I only paid a copay ). In XXXX 2015, I visited the same XXXX location to treat a XXXX XXXX with the belief that they accepted my insurance because they had accepted the same policy in XXXX of the same year. Sometime after my visit, I received a bill for {$250.00} in the mail for the 5 minute office visit to XXXX. I did n't understand why I was covered in XXXX, but not in XXXX. I called my healthcare provider, and they told me that in XXXX that had made a mistake, that XXXX was out of my network, but they caught it in XXXX, so they billed me in full for the visit. I believe that this was very misleading on their part -- since they covered my XXXX visit, it led me to believe XXXX was in-network. I contested this claim to my healthcare provider through their internal review system to no avail. I then submitted my objection to my state 's insurance review board, but I never got a response from them on the matter. I then contacted XXXX and went through their internal review process in an attempt to get the bill reduced as it seemed an exorbitant amount to pay for a 5 minute office visit, but they too denied my dispute. While going through this process to fight what I thought was an unfair ruling by my healthcare provider and XXXX, my {$250.00} bill went into collection. I have since paid off the {$250.00} bill from collection in full ; however, after obtaining a credit report, it has come to my attention that, since the medical bill went into collection, it is negatively affecting my credit score by up to XXXX points. I believe this is patently unfair. I have spent years since I graduated college to build up my credit score in order to buy a car, save for a home, etc., only for my credit score to be adversely impacted by, what I believe, was my healthcare providers initial mistake of misleading me into thinking my insurance was accepted at a healthcare provider due to their previously covering my visit to the same location. I would like to see this medical bill removed from my credit history in order to restore the good credit I had been building up over years.

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 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, IL XXXX REPORTED XXXX ( XXXX ) DELINQUENT ACCOUNTS AS A WAGE EARNER PLAN STATUS ON XXXX/XXXX/XXXX ; BOTH OF WHICH ARE THE SAME ACCOUNT. THEY HAVE THE SAME ACCOUNT NUMBER AND CREDIT HISTORY DATA. THE PERSONAL UNSECURED LOAN WAS OPENED ON XXXX/XXXX/XXXX AND CLOSED ON XXXX/XXXX/XXXX AS A CHAPTER XXXX BANKRUPTCY. I CONTACTED THE CORPORATE OFFICE ON XXXX/XXXX/XXXX, HOWEVER THE REPRESENTATIVE STATED SHE COULD NOT PROVIDE ASSISTANCE AND TRANSFERRED THE CALL TO A LOCAL NORMAL, IL BRANCH. I SPOKE WITH THE BRANCH MANAGER ( XXXX ), WHO STATED HE DOES NOT KNOW WHY HEIGHTS REPORTED THE ACCOUNT SINCE THEY HAVE COURT NOTICE THAT THE ACCOUNT WAS INCLUDED IN A CHAPTER XXXX DISCHARGED BANKRUPTCY. THE ACCOUNT WAS INITIALLY CODED AS A CHAPTER XXXX WAGE EARNER PLAN, BUT IT WAS LATER AMENDED TO A CHAPTER XXXX BANKRUPTCY, WHICH THE COMPANY RECEIVED OFFICIAL NOTICE IN XXXX. A REVIEW OF MY CREDIT REPORT SHOWS THAT HEIGHTS FINANCAL SERVICES PREVIOUSLY REPORTED THIS ACCOUNT AS A CHAPTER XXXX IN XXXX, BUT AS OF XXXX, THE ACCOUNT INFORMATION WAS CHANGED TO SHOW PAYMENT STATUS AS WAGE EARNER PLAN. ALSO, THE ACCOUNT IS REPORTED AS DELINQUENT BECAUSE NO PAYMENT IS BEING RECEIVED. THERE HAS BEEN NO PAYMENTS ON THIS ACCOUNT SINCE XXXX WHEN IT WAS CONVERTED TO A CHAPTER XXXX. IT IS NOT A WAGE EARNER PAYMENT STATUS, THUS NO PAYMENT IS REQUIRED AND THERE IS NO DELINQUENCY. I HAVE ATTACHED DOCUMENTATION SUPPORTING MY CLAIM THAT XXXX XXXX SERVICES IS AWARE OF THE CHAPTER XXXX DISCHARGED BASED ON THE FACT THAT IT WAS REPORTED ON MY XXXX TRANS UNION CREDIT REPORT. IT IS UNCLEAR WHY MY ACCOUNT HAS CHANGED STATUS AFTER SIX YEARS OF ACCURATE CREDIT REPORTING. I AM INCONVENIENCED BY THIS INACCURACY. IT HAS NEGATIVELY IMPACTED MY CREDIT REPORT, AS WELL AS, MY CREDIT SCORE. I WAS DENIED A CREDIT CARD BASED ON THE INACCURACY OF XXXX XXXX SERVICES.

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 2015-09-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have been leasing a XXXX Chevrolet Volt through Ally Auto XXXX a division of Ally Bank XXXX. The is reaching maturity and I was investigating an extension for 1-3 months while I waited for my XXXX Volt to arrive, which has suffered from production delays. When I contacted Ally to get an extension, I was told the monthly payment would increase by over 50 % and there would be no additional mileage allowance. I have leased several cars in the past and never experienced this kind of behavior. In the past, the other finance companies simply extended the lease on a month-by-month basis at the same monthly payment offered under the terms of the lease contract, and they included additional miles based on XXXX of the annual mileage allowance as specified in the lease contract. Ally is doing none of this. 
Ally Bank used to be XXXX XXXX, a division of XXXX, before getting spun off in the early XXXX 's. It was announced earlier this year that XXXX is going to move their leasing programs back in-house with a new XXXX XXXX division. Is it possible Ally is penalizing XXXX customers for this change? 
Regardless, I have found their behavior to be highly questionable. Beyond the issues listed above in attempting to get an extension, Ally also took the extra step of deleting all online access to my account after the final lease payment was made, despite the fact I still have possession of the vehicle. I lost all access to my payment history and account details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. But Transunion has failed to give me investigation result.

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 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I finally sit down and saw that my interest rate was high on my loan for the car that i 'm purchasing. Its a XXXX valued at XXXX when I finalized everything it came out as XXXX finance charges. Well I was thinking that was might step for that yr and amount and now I got a letter saying that they was sued and had to pay XXXX payment on the loan because of discrimination well I do n't believe it was color but I do believe it was unfair practices on their behalf. I think I could have gotten lower interest rate compared to someone with the same credit the difference was I already had a car loan out already. The company is called ALLY ....

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

Complaint narrative:
I have been disputing these items for over 6 months and they have yet to prove to me the validity of these items in regards to their completeness, verifiability, and their accurateness. 

XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

US DEPT VETS XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's XXXX accurate. Remove it from my credit report immediately please. 

USDOE/XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records. 

XXXX XXXX XXXX Under the FCRA , I request a full investigation on the responsibility and the amount of this collection. Please remove this collection for FCRA violations because I do not believe it is accurate.

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 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The situation is how I have complaint about a company named XXXX XXXX XXXX violated the Fair Credit Reporting Act, and they responded back saying they would delete any trade line with all the credit agencies. So far, they have done just that with XXXX and XXXX, but Trans Union have not deleted the item yet. I do n't understand why. I have proof of my investigation by CFPB. I have a complaint with TransUnion because I had written them a letter about an entry with a company named XXXX XXXX. My letter is dated XX/XX/XXXX-XX/XX/XXXX and TransUnion have violated the FCRA. They were suppose to get information from the company XXXX XXXX a contract or something that is bearing my signature informing them that the account is mine. They have not responded to my letter and it 's past the 30 days mark. Trans Union have provided the statement of disputed by consumer in the statement entry on my credit report. I want the company name XXXX XXXX to be deleted immediately along with XXXX XXXX company to be deleted. Trans Union will be able to see the prove to delete this item XXXX XXXX XXXX from my report immediately. My next letter to Trans Union is a letter about going to go to a small claim court in my city, and state, if I do n't get a response to this. I have written to XXXX and XXXX the same letter about investigating XXXX XXXX and they all have responded back saying it 's still pending or they will need more time. Trans Union have not responded at all to my letter pertaining to this company-XXXX XXXX. I want Trans Union to delete XXXX because Trans Union have violated the FCRA law and I want XXXX Finance to be deleted because they were suppose to have Trans Union to delete the entry. They have not deleted the entry yet while XXXX and XXXX have already deleted the entry. 
In summary, Trans Union have violated the fcra law by not providing the Disputed by consumer statement onto my credit report within the XXXX XXXX account. Trans Union also have not deleted the XXXX XXXX XXXX entry from my credit report which they are suppose to do after they have reported to them to do so. Also I have a letter that I have written to XXXX XXXX that I disputed the account and wanted them to show proof that the account belong to me by obtaining a contract with my signature, they never responded back, and I have proof of my letter to them to proof to Trans Union XXXX XXXX also broke the FCRA law as well.

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 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
# XXXX XXXX is reported as a closed collection account and marked as a derogatory after claiming an adequate investigation. It is not. It has been told to Trans union that this an account resolved and originated from ID theft. The negative impacts our standing for housing and other attempts at normal living

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am currently in the process with Wells Fargo for a mortgage. 
I told Wells Fargo that some of the information is inaccurate on the report and all items are at a {$0.00} balance but not reflected on the report they have. I asked them to re-pull an updated report, they are telling me that they are not allowed to update my report unless it expired. This will cause me to have a much higher interest rate. 
According to UDAAP this is also highly discriminatory as numerous other Wells Fargo customers normally update their credit reports to reflect updated and more accurate information. If they thought the updated information was negative they would immediately update it. Since the information is positive they are discriminating against me so they can charge a higher rate.

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 2016-06-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied for a loan on XXXX/XXXX/XXXX. ( Navy FCU ) .I called to get my status and was told I was turned down. They suggested I apply for a credit card ( NFCU/XXXX ). I did so so. They did not tell me they would pull my credit again. Again I was turned down and was told by the person on the phone to apply for a loan consolidation. I did so and was not told they would pull my credit. Why should they? They had done it on XXXX/XXXX/XXXX. I ended up with XXXX hard pulls and no one had told me that I would get XXXX other pulls : XXXX XXXX, XXXX, and XXXX I called on XXXX XXXX. On XXXX XXXX, XXXX I spoke to XXXX about the XXXX hard pulls. He said the notes the notes confirmed that I had given my permission XXXX times. I said I did not recall ever confirming XXXX hard pulls. He said he would check the tapes and get back to me. On XXXX XXXX, I called and spoke to XXXX who said XXXX told him he had referred the matter to the inquiries Dept. I waited and then called again to get an update and spoke to XXXX. She said the tapes showed I had agreed to hard pull credit checking. I said I did not remember doing so and to send me hard copies of the tapes. She said I would need a subpoena. I believe she is lying. 
Why would I agree to XXXX hard pulls 3 days in a row?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
hi my name is XXXX ive never had a loan with wells fargo. at the time they said i open the loan i didnt even have drivers lic .my drivers lic have been suspended since XX/XX/1996 in the state of ga im a victim of idenity theft i have written letters no results .so now i resulted into filing bk because i have my kid in college please can some one help thanx 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