vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: WI

Complaint narrative:
We worked with a GREAT mortgage person to secure a mortgage loan in XXXX with PUF. We have been ON XXXX & XXXX & on our monthly payment for 11 months and are still current as I write this complaint/statement. For some reason since about XXXX of XXXX, we have been getting " collection calls '' EVERY month. XXXX is going in with this company? Did they get a new head of the AR department, that sees it fit to " harass '' their customers? They answer the phone with the standard statement " this is an attempt to collect a debt, any info will be used for that purpose ''. What a GREAT customer service approach!!! Again I have had a half dozen mortgage loans & NEVER have been late & NEVER had this kind of service or better description, HARASSMENT! I have to go to my account EVERY month & make sure that all my deposits were made, as ell as my online bills posted. I have had my account compromised more than one time by the online thieves. So needless to say this cause unnecessary STRESS, when I get a " collection '' call, for a mortgage that is & always has been CURRENT! I asked the CS gal if they would call me for the next 30 years, EVERY month, if not paid on the XXXX, ( which they give you until the XXXX each month to pay ) she said yes probably, but I could set up auto-pay to avoid their calls. I had to remove my husbands phone number from the database as they were calling him at WORK! Talk about unneeded added STRESS! I have had been hung up on in previous months, because the rep who answered the phone when I returned the call did not have XXXX as his first language & he could not understand me. On another occasion, the " collection person '' who left me a message did not hang up her phone after leaving the message, so I got a 45 minute voice mail. This is the worst CS I have ever received, only second to XXXX XXXX XXXX who is rumored to be going out of business here. What upsets me even MORE is the fact these companies who loan us money or offer services OWN us through the credit bureaus. They can report anything they want ( as they PAY, and are the credit bureaus CUSTOMER ) and there is NO real verification process. Then our credit worthiness is determined by a FLAWED system/number AND the XXXX NEVER match. Because the harassment policy of XXXX, I will NOT be recommending them to anyone! If they do NOT CHANGE this harassment " collections '' policy to STOP stressing good customers, I will be reporting them further & I WILL change my phone number with them.

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 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
please removed from credit report affecting my credit score

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 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent this information to Trans Union I have asked them to update there files according to the document however it is still reporting on my credit file. I do n't want a dispute opened I just want the account removed please

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 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home!

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 2016-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
There is an unknown account listed which I have disputed and requested validation which came back to me in the mail. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I financed a vehicle thru Ally financial entering a retail installment contract on XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau and U.S Department of Justice investigate Ally 's auto financing business. And Based on the investigation the government agencies claimed Allys pricing and automobile dealer compensation system resulted in minorities ( to whom I am an XXXX ) paying higher interest rates than XXXX customers. 

Ally did not admit to these allegations but agreed to enter a settlement with the government agencies in XXXX XXXX. 

In XXXX XXXX and XXXX XXXX Ally financial reported my account 30 days late and 60 days late to the XXXX major credit bureaus XXXX, XXXX, and XXXX. 

This not only hurt my credit but also financially as ally was allegedly charging me a higher interest than XXXX. So when I finally refinanced the above vehicle loan with my local credit union XXXX XXXX. I owed more on the vehicle than if Ally would have charged me at a lower interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
This call was regarding the issue back in XXXX when I found out that Transunion had a glitch in there system that deleted all inquiries. By law they are suppose to notify customers about reinserting information on there reports and to date I have not received any notification. I call to ask to have my inquiries removed and they were giving me the XXXX degree and I still was n't successful.

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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account was taken over by XXXX. Credit history showed account in good standing from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XX/XX/XXXX, and account showed current in XX/XX/XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.

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 2017-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: MS

Complaint narrative:
This was n't me who applied for the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Incorrect Address i never lived at XXXX XXXX XXXX XXXX XXXX XXXX Michigan it is the Address of my Son who has the same Name

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 2017-01-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
NEVER RECEIVED MY CHECK REFERENCE ID XXXX CHECK NO. XXXX AMOUNT {$550.00} FROM : ALLY AUTO FINANCE SETTLEMENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
For the last 6 years, there has been someone changing the first name of XXXX to an intentional XXXX which is a slapping insult on me as a federally protected birth titled person. When it was corrected, at a later time then it was discovered again which makes it intentionally suspicious. However, last year in my state, I made an appeal to my State Atty General ( XXXX. XXXX ) for help. They thought it was taken care of when they had them call me in 2014. We were told by XXXX Trans Union that it was being sent in this way from some company consistently and that they had to correct. The State A G office this year got a second call from me stating that I had received a doc XX/XX/XXXX where Trans Union XXXX when my history was under a red alert for a 90-day period of time, and the name and address was correct. By XXXX XXXX companies sent a new account out due to the fact I placed a new alert on for another 90-days. This was photographed on my cell phone showing that Trans Union started this up all over again. The State A G told us that it was not an outside influence doing it but someone inside doing it for all that time. Now that I have photos, it shows a spiteful abuse of my first name. I am tired of whoever the person is XXXX with my personal government information because they think it is undetectable and fun. I would like the government to arrest and sort out all the people worthy of prosecution and make a XXXX determination on those who are worthy of the XXXX facility. Six years of trashing me as a dignity of this state, OR any other non-titled person is worth a house cleaning party effective immediately by the XXXX. As well, I expect a full shut down by the XXXX XXXX XXXX who will confiscate computers where they are and work on information from that angle. Dot your i 's and cross your t 's. Docs can be sent from my phone at XXXX XXXX XXXX if you want to try that. Otherwise please wait for a certified letter with the copy in it. This will be mailed out the first week of XXXX hopefully. 
Thank you very much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
In XXXX XXXX, my lease for a XXXX XXXX XXXX had been completed. In lieu of returning the vehicle to Ally, the lease holder, I traded-in my leased vehicle to the dealership when I purchased my new vehicle. The vehicle was never returned to Ally but they have filed a collection against me and my ex-husband for excess mileage fees. Had the vehicle been returned to them, they would be entitled to these fees but since the vehicle was purchased by the dealership where I purchased my new vehicle, they are not. Section XXXX of the XXXX XXXX Agreement ( Excess Mileage Charge ) clearly states, " There is no excess mileage charge if you buy the vehicle ''. Since only XXXX outcomes are possible at lease end - purchase or return the vehicle - and the vehicle was purchased, Ally is not due these fees. 

NOTE : My new vehicle purchase was financed with Ally Financial 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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An account listed as XXXX on my credit report is extremely old and I have attempted to dispute that it because it is well past 7 years old and is not supposed to be reported to my credit file any longer because there has been absolutely no activity since XXXX 2008. I have disputed its acuracy and I have asked for it to be removed with certified mail various times. This account has kept my credit down and is affecting me very negatoivey. I have not recieved any adequate repsonse from Transunion and they keep sending me generic answers and do not verify the facts that I am expressing to them. Pkease, investogate this fro me. This account is devasttaing my life and is not legally allowed to be on my file anymore. Why are they keeping it on my file illegally? They have not verifed the dates that I have asked them to correct in order to see that this account has had no activuty n over 7 years. Please help me, someone. I have no options left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed an inaccurate XXXX account with Trans-Union multiple times but they failed to investigate the dispute because of mismatching addresses. This caused many XXXX as I tried verifying my address multiple times to no avail. I decided to contact XXXX and they said they could n't find the account in their database. With that in mind, the XXXX representative named XXXX said that she will contact all XXXX credit bureaus to get the account removed. Today I ordered my Trans-union report and the inaccurate account is still reporting for more than a year ; since I started disputing the account. This is frustrating because XXXX and XXXX are not reporting this account.

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from 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 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed this item several times with the credit reporting agency. I have advised them that this is not my account. I did not conduct any business with this company. The creditor is XXXX XXXX XXXX with an open date of XXXX/XXXX/16. The balance amount is {$240.00}.

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion keeping putting wrong information on my credit report. I have call and dispute this informatin over and over i have ask them to send me copy of the verification procedures they keep sending letter back saying the same thing over again they arent verifiy the 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 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to 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 non-monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I filed a dispute letter with TransUnion on XX/XX/XXXX regarding 7 unauthorized inquiries into my credit. I received a response from the company on XX/XX/XXXX that an investigation was being conducted. I sent a follow-up letter via certified mail on XX/XX/XXXX after 30 days had lapsed and I still had not received the results of the investigation. It is now XX/XX/XXXX and I still have not received the results of the investigation as to these 7 unauthorized hard pulls on my credit.

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 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is still showing a federal tax lien on my credit report which was removed and withdrawn by the Internal Revenue Service on XXXX. The other XXXX main credit bureaus properly removed this from my 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 non-monetary relief
Consumer complaint received 2015-11-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Financial is reporting our car loan as 30 days delinquent for XXXX 2015 ; this is an error as we bought a new vehicle during this period of time and refinanced this loan as part of the new vehicle loan ; the approval for the new loan extended beyond the due date for the old loan, but, of course we did not pay because the new financing was still in the approval process ; we were informed by an agent at Ally Financial that this would NOT affect our credit ; however, we now find that Ally Financial is reporting to both my husband and my credit report that we were 30 days late on the old loan for XXXX 2015, in spite of what they previously told us! 
We have disputed this erroneous reporting both with the credit reporting agencies and directly with Ally Financial and Ally Financial arrogantly refuses to change it ; this erroneous reporting is hurting our credit but Ally Financial obviously does not care! We have been approved for the new car loan and have faithfully made our payments ; further, we have been faithful customers of Ally Financial for some time and have consistently made our payments on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief