vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MIDCOUNTRY FINANCIAL CORP
State: MO

Complaint narrative:
This business has called me at my employer repeatedly and on a daily basis.

Company response to consumer: Closed
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have called TransUnion to correct my personal credit file, I called customer service and stated that they have incorrect address that is on my credit report and as well a company I never worked for that I want removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit inquiries were all removed from my credit report which caused a small impact to my credit score positively when they were added back for whatever reason it caused a huge dip in my score and this was done without prior written notification per FRCA section 611 all items must be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I disputed a tax lien that is invalid and inaccurately reported to my account and Transunion has failed to answer me, respond or send me any descriptions and procedures which I have requested and I have run out of patience as this has caused me tremendous stress and loss. I have sent them many request by mail to correct this and they have refused to cooperate. They are illegally reporting a tax lien under # XXXX. I have spoken to the agents who were very aggressive and rude to me, they have denied me any information on how they keep verifying this inaccuracy which was pulled off of my credit report by the State and has since been refunded to me. They are not properly doing their job in secrecy verified or investigating this item, which has left me unable to obtain credit and explain to my mortgage lender attempting to refinance my home. I begged and pleaded on the phone and by mail for them to discuss with me why they have not responded and who had verified this and they failed to provide me with an answer and the agent transferred me to their supervisors who hung up the phone one me while i was speaking to him last week. I have no options left. I have called the state department of recordings an they have informed me that there has not been any attempts made on my name to verify anything, nor are those liens on file with their offices, What is going on with this company? They have to understand what a nuisance this has been to me, and I fear that they do not want to admit any mistakes or take responsibility for the disputes I am raising against them. I will file a complaint with the XXXX as well to inform individuals who are suffering like me to fight this and contact attorney if they are able to. I can not believe how much they have ignored me and blindly verified fake listings with providing me any descriptions and procedures to go along with their results.

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: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested that the XXXX credit reporting companys take off the reporting bankruptcy. I first filed on XXXX XXXX XXXX, but did not go on with it.It was dismissed But they keep reporting it like it still has happened. Also the same thing happened on XXXX XXXX. XXXX has reported XXXX different bankruptcy when none of them should be reporting at all. 
I have sent the XXXX companys copys of the dismissal letters but they seem to just keep reporting the same. I have been looking to get a home for my family, but cant because this is on my report.I also have multiple inquiries on my report that I would like to be removed, because of the bad reporting. please make them take this of my report. 
thank you for your support XXXX XXXX XXXX vet.

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 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion and XXXX are reporting XXXX as an open collection item. I have clearly settled this, and this should be removed immediately. XXXX, the item is from an OLD debt.

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 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
there is a collection account on my credit report from XX/XX/XXXX it was open from the XXXX account nubmber # XXXX there have not been no activity on this account and 30 years into i dispute it in XX/XX/XXXX the account is to old to stay on report you can call me at XXXX i can talk to you more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe I am a victim of fraud, the inquiries do not belong to me.

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 2016-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I wish that i could mark all of those boxes XX/XX/XXXX while at XXXX mph, my XXXX Chrysler 300 failed and died suddenly, power steering, brakes, lights, everything inoperable, 1. ) XXXX-REFUSED MY CLAIM ALTHOUGH I WAS FULLY COVERED and HAD A COLLISION. 
2. ) CAR WAS TOWED TO XXXX XXXX, XXXX in XXXX, Dealer charged me {$600.00} in repairs, ( {$250.00} replace starter, ) ( {$350.00} in engine inspection labor ) 3 ) XXXX XXXX denies my warranty claiming that the engine died due to gross negligence on my part. They based that solely on a 1 month gap where I could not accoung for oil change receipts. 
4 ) XXXX put the remaining balance of the vehicle owed on my new loan, promised XXXX in rebates for buying a new car. XXXX also used rebates and freebes from manufacturers XXXX, " fix '' chrystler XXXX. 
5 ) I had came in with a XXXX loan approval from MILES program, XXXX pulled a fast one, a bait and switch on contracts, I NEVER PHYSICALLY SIGNED ANYTHING. I set up the madatory alloyment on his computer, and I shook his hand. 
He failed to add GAP and I had to pay {$480.00} cash from my own personal money. he kept the license, title and registration as collateral un y il I had enough a month later. 

I only found out that ally was my lean holder 2 years later when allotments stopped. 
the Chrysler 300 was under a safety recall get o r electronic key failure consistent with my story and I was fooled to think it was the engine by a CHRYSLER mechanic specialist. 
XXXX doubled the purchase price, jacked upp the interests, and made the 300 disappear before I could even ask for it. 
its almost 4 years {$26000.00} was ticket price - {$7000.00} " rebates '' {$1000.00} military discount 48months {$530.00} = {$25000.00} ( original agreement ) 72monthsx $ XXXX= {$38000.00} ( Ally 's cut????? ) refuse to provide " contract '' or statements dealer lost it I never signed it, but Ally reposessed when I got suspicious, and ruined my credit. stole my personal property, and sold at the auction the within 12 hours of repossession. NEVER recieved any mail, or documents please please help, theres so much more, I will explain it all, i hsve recordings, emails, and a compilation of deceit for all XXXX of them ... ... 
they cant get away with this, I am a XXXX veteran

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 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I contacted TransUnion in 2014 regarding a student loan reports of 90-days late - although it says US Dept of Education/Direct Loan Service System on XXXX late reports, the DOE stated that it was not from them, rather another entity ( some prior loan servicer XXXX, out of NY state ), that they no longer use. Presently and when reported, XXXX/XXXX was/is handling my loan servicing. I asked them for help and they were not able to provide any further assistance either. 
The credit bureaus will NOT remove, even though there is no evidence regarding this report or incident. I was never served with any notes about late payments either ( which I never had, as my loans were under forbearance or in-school deferment, per the DOEs policies. ) Also, these loans are marked as closed, which they are n't and were n't. I never had my loans serviced by this entity either. Again, there are XXXX ( XXXX ) reports that are inaccurate. 
XXXX had this same dispute with them, and have removed it - confirmation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently attempted to dispute inquiries on my credit report by phone and keep getting the run-arounds. After finally reaching someone they said they can be deleted since I am a victim of identity theft but said that I had to speak to the fraud/identity theft department ... After calling I was hung up on after waiting 20 minutes on hold. 

I have attached the inquiries that I am disputing as a result of identity theft. I have also attached a copy of my police 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 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car. 
Dealer discount price was subject to a loan with Ally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have a security freez and i am a fraud victim and I have XXXX Showing on my transunion report and XXXX and XXXX and I dont do any of these companys and i do not own any one any money and they are contacting me and threating me to go to court and sue me and garnshise my wages from me. Please help me my email is XXXXXXXXXXXX how do i report these that are threathen me and cussing at me and telling me they are going to hurt me.

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 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
this not my info. # XXXX please remove from all XXXX reports

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 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old.

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: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i was recently denied credit and i want to start a dispute online using Transunion website. The site keeps denying me access saying that my URL is incorrect. I tried using multiple computers and it seems Transunion has a block on my 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 2015-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I went online to the Bank of America online banking to view my mortgage account. On my Summary account page it shows double the amount that it should. Today XXXX as mentioned my online banking accouunt shows XXXX identical mortgages and a zero balance for my Principal Forgiveness mortgage. No on has been able to explain why my online banking page shows XXXX mortgages or why that page shows a balance of XXXX dollars. I have spoken to XXXX representatives in XXXX different departmments and no on has answered my question. BOA was forced into the Principal Forgiveness Program apparenetly due to unsavory practices. I wonder is this another? XXXX associate at BOA stated that my present mortgage balance was XXXX dollars. Another associate stated that my mortgage balance was XXXX dollars, yet online shows XXXX dolllars. I am a XXXX veteran and I unfortunantely suffer from XXXX and I get VERY VERY upset when professsional ethics are in question. Especially wjhen the representativess can not clarify nor rectify THE ( IR XXXX mistakes. Any help will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I regularly monitor my credit report and a company XXXX XXXX XXXX appeared on my report alleging I owe them a total of {$700.00}. I called company to inquire about item on my report I ask where did they obtain my information from and what company did you work with in order to obtain my info because this does not belong to me. After speaking to the representative the out right said I owed this money. I sent a validation letter to this company during XXXX -2015 & XXXX -2015 and yet to hear a response back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is in reference to File # XXXX. XXXX XXXX XXXX has reported an eviction in the amount of {$4700.00} In the month of XX/XX/XXXX. Also a public record from XXXX County Circuit Court In the amount of {$1100.00} both are from the same original creditor ( THE RESERVE AT XXXX XXXX APARTMENTS ) both have been reported on credit report. On XX/XX/XXXX I contacted Transunion @ XXXX I spoke with agent from XXXX by the name of XXXX. I told XXXX that I wanted to dispute some accounts that are being reported inaccurately and I asked about the difference in the amounts for the XXXX XXXX XXXX XXXX Account. I questioned the Amount of {$4700.00} which i have no knowledge of and how could Transunion allow such a huge amount to be reported on credit file without legal and proper doccumentation. I was advised by XXXX that i could dispute both items. Upon my disputes i requested for validation of debt and a billing statement with the list of charges from the collection agency. The court order was only for {$1100.00} where did they get {$4700.00} from? I called back on XX/XX/XXXX to do a follow up of the disputes on that day I spoke with an agent in the special handling department by the name of XXXX, i asked had there been any response back yet and she stated that she did not see any accounts being disputed at that time. I told XXXX XXXX that could not be possible because on XX/XX/XXXX, i also gave her the agents name and the file number that wsa given to me on that day. XXXX XXXX place another dispute on both items again and she stated that she could call XXXX XXXX XXXX to see if that would speed things up. The response was from a collection agent by the name of XXXX XXXX, she responded that this debt was verified and consumer needs to pay the debt. I recently had a tenant screening done my application was denied for having a Public record And eviction on credit report with XXXX different amounts appeared to leasing management as seperate evictions. 

I have no knowledge of this agency an the amount that is being reported on my consumer files. I have no contract with this Third Party Collection Agency. They are in violation to my consumer rights. If this continue to remain on my consumer file, further actions WILL be taken! PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT PERMANATELY.

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 2016-01-17 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:
Have tried several times to get my credit report to dispute inaccurate information but company refuses to provide online access.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
My loan was flagged for bankruptcy. I called Union Pacific and was told I could not fix the problem since I had filed for bankruptcy in XXXX. I live in XXXX, XXXX and my mortgage with the company is for a home in XXXX. I had to call numerous times and finally was transferred to XXXX XXXX the bankruptcy representative. He did some research and stated that I had filed for bankruptcy in XXXX. I informed him that was impossible and may be a case of identity fraud. After doing research XXXX found out that there was an individual with the same name and same last XXXX numbers on social. However when he researched looked for the birthdate and whole XXXX digit social it was different. XXXX promised the issue would be resolved and I would never hear of the issue again. It has been a several months and It has showed up on my credit report the last time I checked. I can not log into my Pacific Union account as it is still flagged as having bankruptcy. Pacific union should have verified all the information before flagging me as

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I did not have a charge account with XXXX Card that began with Charge Account No. XXXX back in XXXX XXXX, 2014 They have violated my rights and stated that I had a balance of {$3400.00}. They marred my excellent credit. I have faxed and repeatedly called them but they will not address this situation with me. Would you kindly escalate this matter. 
Regards, XXXX XXXX XXXX email : XXXXXXXXXXXX

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 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a eviction/ judgment on my credit report. I was living with my mother when she was evicted from the property, I never signed the lease. When she received her keys at lease signing I was not there I was only a occupant living with her mother at the time. I have a XXXX yr old and are struggling to find a apartment because of the eviction on my credit report I am asking for help to have it removed. I never had a apartment of my own

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