vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed the late pay indicated on my credit profile, that transunion updated on XX/XX/2016, still showing it was late, but I have a letter from XXXX dated XX/XX/2016 stating it was in deferment and not late. This indicates that Transunion did not investigate the issue reported to 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 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I filed bankruptcy, chapter XXXX, and was discharged in XXXX of this year. A XXXX Credit Card is showing on my transunion report as closed with a {$970.00} balance and is not showing discharged as it should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am filing a complaint about Transunion, because they failed to provide me with the documents that they have on file, with which they used to verify and validate accounts which I have disputed. 
After 30 days TRANSUNION responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be verified. '' Please help with resolution to this problem. Thanks.

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 2016-10-04 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: NV

Complaint narrative:
Two years ago I got my social security number. I went to XXXX XXXX XXXX Bank to open an account and I found out that I had already had a very good credit history. The bank employee gave me a copy of the transaction from XXXX specifying that she can not give me the name because of confidentiality. I told to her that it was impossible because I came to XXXX in XXXX and I just got my social number, and she sent me back to the social security XXXX to clarify the situation. There, they told me that it is a brand new number and I should be able to use it. So, I went back to the bank, I explained the situation and they opened an account for me. Also, I asked for credit score to XXXX and the other XXXX companies accredited by government but I could not get any. The answer was that : The social security number I gave them does not much the identification information in their database. I submitted all the information that they asked for, but they could not issue a credit report for me. In addition, I called the Social Security fraud line and reported my problem. 
As I 'm still studying and not working I did not apply for a credit or credit card in the last two years. However, today when I called to be co-applicant on gas and energy accounts with my husband, the lady on the phone told me that there is a problem with my personal information and I have to send a copy of my ID to confirm my identity. 
After this, I tried to get an annual online report but the answer was : Based on the information that you provided, we can not find a matching credit file. 
Finally, I called the Consumer Protect Bureau and I was advised to fill the complaint online in order to fix my 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 non-monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I am having Ally checking account and I was using the Bill Pay service of it to pay for XXXX XXXX. I made the payment and as per Ally it has " paid '' status. In fact i made the same payment XXXX. But after 3 months I come to know that XXXX has sent it to collections. When i talked to Collections agency they told me that payment were not successful. Now XXXX put {$6.00} as late fees. I finally paid the amount plus late fees. Sent an email to ally last week and also talking to their customer service. Upon talking to Ally Customer Service they are saying that payment went thru. I do n't know who is telling the lie - XXXX or Ally? End of the day - multiple payments has been made from my account and I end up paying late fees and deal with Collections agency also. Last time when i spoke to XXXX Customer service they told me that payment did n't went thru.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion refuses to remove a public record from my report in accordance with NYS GBL 380-J ( F ) ( iii ). TransUnion states " we do not follow part of the law '' and does not differentiate between a paid tax lien and a paid sales tax lien. Despite the later is to be removed withing 30 days, the former remaining for 7 years. 
TransUnion refuses to verify this information with the original creditor ( NYS ). 
*see attachment

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have closed accounts on my credit report that need to come off : U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) Trans Union previously deleted items were added onto my credit report without prior written notification. According to FRCA Section 611. All items must be removed. They are listed on Trans Union and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my account on XXXX XXXX and all my inquires were deleted and now I just checked it again and they are all back on.

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to the fact that my situation does n't have a check box above to best describe my problem. I will have to explain it this way to you if you do n't mind. I have XXXX account on my TransUnion credit report that are outdated. They are seven years old and someone re-aged the debt as well That is against the Fair Credit Reporting Act you ca n't re-aged old debts. The accounts goes as followed : XXXX Account # XXXX this account was open XXXX This account was open in XXXX and re-open in the XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX If you look at the credit report open dates you see two dates one at the top and another one right under it.

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 2017-02-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: CO

Complaint narrative:
I needed a car and knew that my credit was not good, and saw an ad for second chance dealer. XXXX. XXXX XX/XX/XXXX XXXX Approx XXXX miles {$9200.00} Purchased XX/XX/XXXX I put {$1000.00} to lessen the blow. XXXX puts XXXX in good condition XXXX {$2600.00}. I was essentially upside down before I got out the door. 
Original financing was done by XXXX. Always had trouble getting through to them via phone if I needed anything. Had my payments directly ACH from my account. My payments were {$260.00} per month. This is like payday loan type interest/terms. 
I moved in XX/XX/XXXX. So my rent increased since before I had a roommate, and now in a one bedroom on my own. I changed jobs in XX/XX/XXXX with slightly better income but the increased living expense pretty much negated that. 
In XX/XX/XXXX did some paperwork to change my payment from Bi weekly to monthly but apparently XXXX never did this. On XX/XX/XXXX a regular bi weekly payment was not taken out as usual. 
A week later I got a packet from a company called American Credit Acceptance. They had taken over my loan. I had no previous warning from XXXX that this would be happening. I was not notified about American Credit acceptance until a week AFTER XX/XX/XXXX 
I do not feel they should be able to do this ( just take over my loan ) without any prior notification. I never signed any paperwork or agreed to anything with American Credit Acceptance. They specifically state there is no opportunity to " negotiate '' the terms of the loan. I have made my payments to American Credit Acceptance so far. 
However, I am struggling with this amount and the ever rising cost of living here in the XXXX XXXX. I am stuck with a car that needs major work I can not afford ( the original " warranty '' was worthless ) due to the high payments. It is old and high mileage. 
I feel that all XXXX companies involved - XXXX, XXXX and American Credit Acceptance use predatory sub prime lending tactics similar and hurt the those who can ( literally ) least afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Mid-Atlantic Consumer Services
State: NV

Complaint narrative:
I keep getting calls from this debt collector, stating that they are taking me to court and have been " trying to serve a summons '' for a debt we do n't even owe to XXXX XXXX. I called XXXX XXXX and they have no record of us owing any $ $ - since we closed our account with them in 2009. Caller said she was XXXX XXXX and that a court summons would be served between XXXX today - no court summons was served. Said we had to call XXXX and reference XXXX or they would freeze our bank account. She called my place of employment. How she got that #, I have no idea. Internet search shows this is a scam. I do not want these people calling me. If they have proper paperwork, they should send in the XXXX. 

Also received calls from XXXX " XXXX XXXX '' and XXXX X XXXX " XXXX XXXX '' - all saying they are " trying to serve a summons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
I opened a checking account with First Merit Bank because there was a flyer that was sent to my home stating that I could receive {$150.00} worth of credits to my account if I followed certain procedures for opening an account. The procedures are in {$25.00} increments. I have ( 1 ) opened a checking account with Mobile Banking ( 2 ) enrolled int he merit rewards program and ( 3 ) I do participate in the direct deposit program to the account. Since I have opened this account I have been receiving fees of {$35.00} stating that I have had many overdrafts. I have discussed with the bank that I have a tight budget and call and go on-line constantly but they always seem to place the blame on the merchant and hold money for 2 to 3 days knowing that the purchase was made when I had the money in my account. I have been charged almost {$300.00} in overdraft fees in 3 months since I opened the checking account. I have not seen the {$150.00} activation reward in my account nor do I merit all of the fees that First Merit has charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America
State: NM

Complaint narrative:
On XX/XX/2015, my PCP sent me for an XXXX. Because I am XXXX and on a fixed income, I checked my copy of the XXXX Medicare Benefits Summary of Benefits ( under Sect XXXX XXXX, and I inquired about the cost of this with XXXX Customer Service, the XXXX Hospital, and the office where the XXXX was performed. They said no fees. I now have XXXX rounds of bills, XXXX unanswered " grievance & appeals '' to XXXX XXXX, and a 30 day notice from a collection agency. For the 3rd time, I gathered up my letters, their letters, the bills, etc. I will upload these which will explain details. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
XXXX from Cash One called and left a message on my phone indicating that my payment had returned and to call them back to avoid late fees on the account. They gave their hours of operation and ended the phone call. She called from phone number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC
State: NJ

Complaint narrative:
This agency which has less than a stellar reputation on the internet is calling me from unavailable numbers. This scam related agency decides to initiate phones calls without any disclosure verification of any debt via the US mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
My car was stolen and the company stated my account would be closed. I had insurance why is this company now reporting I have a charged off account and owe {$16000.00} and I 'm past due. Please help me this is not right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX I attempted to get my credit report online. I do this every 4 months with a different credit agency in order to catch any problem, and was always able to get the information online. Imagine my surprise when I was refused an online report and was told I must submit XXXX forms of id. I did just as they requested and sent the proper forms, copied on XXXX blank page. Today I received a form letter from " Equifax Information Services '' that stated that the forms were not adequate and to send additional forms. I know the forms were proper with one from each category. I believe they are purposely delaying sending the requested information to avoid fulfilling Federal Regulations..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This debt was incurred by my ex-husband by living in an apartment where we both lived when we were together. The debt is only in my name shared with a previous roommate 's. I have supporting evidence that my ex and I were legally separated when this debt was incurred. 

When going to visit the property management company, I was told to leave the office because they could n't help me. I was embarrassed and treated very poorly. This debt does not belong to me and they did not give me a chance to resolve this with them. Instead, it was sent to collections under my name instead of my ex-husband 's. 

I lived in this apartment with another roommate before my then-husband moved in with me. My roommate moved out at the same time. Now her ( ex-roommate ) and I are being charged each for the FULL amount instead of half each. We also each received an offer for resolution claiming we only have to pay 50 % of the debt. But if we were to accept it, we 'd still be paying the full amount together. The property management company is completely unprofessional and dishonest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have a collection from National Credit Systems reporting on my XXXX and XXXX credit report. I have disputed this account on several occasions on the grounds that I have no knowledge of the debt and request a full debt validation on this account. I have requested over XXXX debt validations on this account in the last 8 months with no debt validation being received. This is XXXX separate violations through the FDCPA. The first violation being that they are continuing to report negative information on my credit report that is inaccurate and XXXX they are well over their 30 days allowed to send requested proof to myself as a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation
State: ID

Complaint narrative:
My parents are receiving repeated phone calls from a company called Penn Credit at XXXX. The call is automated and says it is in regards to a debt. There is an option to press a number to indicate a incorrect phone number, which my parents have done several times and the phone calls are continuing several times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I purchased a home in XX/XX/XXXX with a cash purchase with a settlement from a accident. I lost my husband and XXXX. In about XX/XX/XXXX I got a loan from America General for about XXXX and it grew to XXXX 7 years. Not sure how the loan grew because I was under Doctors care and taking strong pain medication. Made payments on time but never saw the debt reducing. Then I lost my sister who was helping me pay bills and in and out of the hospital myself for months at a time. So I got my niece involved and starting asking for documents to show how the loan grew once it was brought by Springleaf Financial. We was told that all paperwork was in the archives and no one never got back to us after being told they would collect the information. Then months later debt was brought by another company, then another company which now XXXX XXXX XXXX has it, since XX/XX/XXXX. Now I 'm dealing with trying to keep my home from Foreclosure for the amount of XXXX. I really do n't clearly understand how the loan grew to be so large, not sure if the medication caused me not to remember, but I do n't recall borrowing up to XXXX.At the time I was n't sure of what kind of loan I had. Then Springleaf never got the requested paperwork that I ask the branch manager to get for me. I do recall going back a couple of times for small loans never no more than XXXX at a time. But I 'm not absolutely sure that I borrowed up to XXXX. And all the years Ive paid on it, it never decreased. I 'm on a fixed income receiving my XXXX and my late husband '' s. I get a total of XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
Springleaf Financial Services is overcharging my account with interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Collection Management Company
State: PA

Complaint narrative:
I disputed this account via XXXX and the creditor removed it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have requested several times validation of this debt listed and still nothing has been received. Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation