vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS had requested an additional 45 days to respond basis for the denial of the credits for Tier 2 and/or the Tier 1 denial based on all sources of income, but yet, SLS sent me a modification package due to be signed, filed and entered by XX/XX/2016, which is days before the time they requested to evaluate. 
Please be aware that my loan was a predatory loan approved based on my excellent credit score, originated by XXXX then transferred to XXXX and now SLS. 
The lack of interest from XXXX XXXX and XXXX to evaluate my case and modify, resulted in years of unpaid mortgage payments, which SLS is now adding as 1 final balloon payment to be made at the end of the term, including their attorney fees, after my last mortgage payment is made in 30 years. ( Loan mod. package attached. ) My wish is for SLS to re-examine the loan mod for either further credits on the Tier 2 or a principal reduction and credits consistent with the Tier 1 guidelines, the servicer and the lender will permit the evaluation without compromising the existing agreement. 
Thank you.

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 2015-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
This is a follow up to CFPB Case number : XXXX. I have recently the house in that case at XXXX XXXX XXXX, XXXX, XXXX XXXX. I overpaid the lien holders, XXXX XXXX/SLS, by approximately {$300000.00} and they ignored my written inquiries during the closing process to settle the matter. I only received {$25000.00} at the time of closing and am expected to pay estimated taxes of between {$160000.00} to {$200000.00} to the State of XXXX next year after consulting my accountant. The original loan amount was {$520000.00}, and they walked off with XXXX. I expect to declare chapter XXXX as a result of their usury, predatory lending and blatant fraud. I should have walked away from the property and let it be sold at sheriff sale, then I would not be facing bankruptcy and excessive taxes for monies XXXX and SLS took from me. If it were to be sold at sheriff sale, they would have received less than the $ XXXX, instead, they walked off with, after taxes and insurances, more than $ XXXX of predatory interest and excessive fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 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: Metro Collection Service Inc.
State: AZ

Complaint narrative:
I received a letter from a XXXX XXXX claiming to represent Metro Collection Service, Inc. It is claiming that I owe a debt to an apartment complex I have n't lived in for four ( 4 ) years. I received this same letter 6 months after I moved out that apartment complex and disputed it then. I never heard anything after the dispute. I have never once heard from the management company claiming I owe a debt. I have also called the apartment complex, now under new management, and they seemed confused as to why I would be receiving this so many years later.

Company response to consumer: Closed
Consumer complaint received 2015-10-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I noticed that my credit score was negatively impacted when I was in process of refinancing my mortgage. This was a result of an oversight on my part for missing my XXXX 2015 car payment to Honda Financial Services. When I did realize the oversight I immediately paid XXXX 's and XXXX 's payment. I feel that Honda Financial Services did not pursue all avenues of making me aware of the situation and did not inform me of the negative impact of this oversight would have on my credit score. I did not receive any written documentation to inform of my missed payment nor were any voicemail messages left on my telephones ( home/cell ). I did call Honda Financials Services once I realized this negative impact and was instructed by the customer service representative that there is nothing they could do to reverse the negative rating. Again I strongly believe Honda Financial Services should have been more proactive to avoid this negative impact to my credit score especially when I have the means to pay. To this date I have not missed another payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CA

Complaint narrative:
American Adjustment Bureau is collecting a debt for XXXX creditor, XXXX XXXX XXXX. What they 've done is created XXXX individual collection accounts for XXXX creditor to create the appearance of many negative debt data points. All accounts started by AAB on XXXX/XXXX/2010, with XXXX additional XXXX on XXXX/XXXX/2010. Original debt was re-aged by AAB from original debt. Contacted XXXX, requesting verification and consolidating the accounts under XXXX record, but was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have notice the creditor have listed a negative that is placed for collection that is affecting my credit, I have reach out to all XXXX bureaus to have to have the item remove, please investigate the concerns so I can restore my livelihood

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
submitted a letter disputing wrong information, transition would not delete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This company ( XXXX XXXX ) that has a collection out on me {$410.00} failed to submit balance to my XXXX XXXX company, I do not owe this to them!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX Bank sent me an XXXX for {$2400.00} a credit card account back in 2014. I added it to my tax return and I thought they would update the balance with the credit bureaus. However I looked at my credit report today and it is still reporting a balance of {$2400.00}. This negative reporting is hindering my credit report and score and I would appreciate it if you investigated this account with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I got a copy of my annual credit report. Upon reviewing it, I noticed XXXX tax liens that show paid and satisfied. I contacted TransUnion via certified letter, asking them to remove these items since they report as as, also I did n't recognize these tax liens and were unaware of them, or having them on my credit report. For all I know, they are not even mine. This was XXXX 2016 when I sent the certified letter to the Credit Bureau. Upon their " Investigation '', they removed XXXX paid tax lien, but refuse to remove the other XXXX, stating that the information is verified. How are they able to " verify '' this information? I wrote the XXXX XXXX XXXX XXXX and receive a letter from them that they do not report information to the credit bureaus. So, how were TransUnion able to accurately verify this information. I even sent them a copy of the letter that the Circuit Court sent me, stating that they do not report to the credit bureaus and their suggestion was to contact the credit bureaus to have the information deleted. It 's like " pulling teeth '' with Transunion. Why was it ok to delete XXXX paid tax lien, but leave the other XXXX paid tax liens on my report. I am convinced that they have no clue, that they do n't actually verify anything legally and are just being a " pain in the XXXX to consumers. I want this information deleted permanently from my credit reports. These credit agencies are full of disgruntled, unhappy, overworked employees who I do n't believe give a XXXX about the damage they do to consumers and their 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 non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last XXXX years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We leased a XXXX Jeep Grand Cherokee through Ally Financial on XXXX XXXX, XXXX. We were told by the Finance Manager at the dealership to sign the Lessee 's Affidavit of Primary Non Income Producing Vehicle Use. He would complete and submit this along with all other necessary paperwork to Ally Financial. All appeared to go through because the vehicle was " funded '' by Ally and we received our payment schedule. We received a letter dated XXXX XXXX, XXXX that we owed {$670.00} ( XXXX Country Property Taxes - {$330.00} and XXXX XXXX XXXX Property Taxes - {$340.00} ) for XX/XX/XXXX and because we failed to file another affidavit by XXXX XXXX, XXXX, we would owe this amount for XX/XX/XXXX as well ( for a total of {$1300.00} ). This vehicle is not nor has it ever been a commercial or income producing vehicle. We completed a XXXX affidavit ( on or about XXXX/XXXX/XXXX according to Ally records ) because we were told the first affidavit was not completed completely by the dealership, XXXX XXXX XXXX XXXX XXXX. This is the XXXX vehicle we have leased for personal use and this is the first time we have been billed for property taxes. And we are being told that we have to pay this even though we did as we were required at the time of the initial lease. We have provided all of the necessary documentation and these charges are erroneous and flawed. We have written Ally ( return, receipt requested mail ) demanding these charges, current and future, be removed from our Ally account immediately We believe the error lies between Ally Financial and XXXX XXXX XXXX but we are told by Ally that we must pay - no exception.

Company public response: Company 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 — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a credit inquiry on my credit report for XXXX dated XXXX XXXX, 2016. I was notified by XXXX XXXX about the inquiry so I immediately called XXXX on XXXX XXXX, 2016 and told them this was fraudulent. I checked my credit XXXX/XXXX/2016 and I have inquires on my report for both XXXX XXXX and XXXX XXXX, 2016. I was told they would do a review and remove from my credit report but instead I have another inquiry on there for the day ( XXXX XXXX ) that I reported it as fraudulent. Can you please help me to understand why this has not been corrected?

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 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This complaint is about the temporary lifting of a Security Freeze at TransUnion. In XX/XX/XXXX I established a security freeze at all XXXX bureaus. They have never been lifted. I have been very physically XXXX for over 3 years and require XXXX care. I especially need help to deal with matters such as this. In XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX CO destroyed 100 % of my home and belongings. Now my husband and I are trying to start rebuilding and as such need to obtain a construction loan. Using XXXX and XXXX web sites my husband was easily able to temporarily lift using my PINs for a date range starting now their freezes. The same attempt at TransUnion failed with a " system error ''. My husband has spent over XXXX hours on the phone over 2 days with more than XXXX different TransUnion people trying to get this fixed. Agents he reached were in XXXX and told him they ca n't fix the problem. They repeatedly attempted to transfer him to a " Special Handling Supervisor in the USA '' and it only sends him to a dial tone. He has gone thru this at least 5 times today. Each time he has to start all over with each agent with a litany of authentication and problem description. Finally he reached XXXX ( she said she was a USA Special Handling Supervisor ). She too could not solve the problem but could send some kind of paper document ( she said she had to print it ) to a " Maintenance Dept '' and that they will take 7 to 10 business days to figure out what is wrong and " hopefully '' fix the problem. This is no assurance that the problem will even be fixed nor will they tell us so in a timely manner. In the mean time we are stuck. When congress allowed the credit bureaus to create the Security Freeze process it was in response in part to the bureau abuses. Taxpayers and congress were promised that this would solve problems and be processed timely. Well, we needed to temporarily lift the Security Freeze NOW and TransUnion and their broken system that allowed a problem to get into my FROZEN credit file in the first place CAN NOT in a timely fashion make this happen. TransUnion has made it impossible for taxpayers to reach them in effective ways and also people who can timely fix problems with their system. They advertise and have sold a bill of goods to everyone that managing Security Freezes and Thaws could be done instantly on the web. This is clearly not so with TransUnion. This is causing delays at a critical time while we are already overwhelmed with problems. I repeat, TransUnion 's system will not allow us to temporarily lift a Security Freeze even though I have my proper PIN. You regulators need to take a closer look at TransUnion and why all of this is happening. Consumers are helpless to fix this and TU thwarts consumer 's efforts at every step.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am REQUESTING that Trans Union address the information that they are recording on my credit. 
public record XXXX provide information showing this account date file and stautes is correct information. Delete information XXXX / provide validate of this account with last date of payment and when this account went into collection on my credit report it states no payment history so who can it be a valid open collection / delete information XXXX Collection account XXXX no payment history to complete that fact of it being a collection account when did this account go into collection Trans union is not reporting a full accurate account detail / DELETE VIOLATION OF THE FCRA XXXX reporting unverified information verify when this XXXXaccount was open and placed for collection. Trans Union DElete information Violating THE FCRA XXXX DELETE ACCOUNT NUMBERS XXXX XXXX OUTDATED ACCOUNT OPEN 1987 DELETE REMOVE ADDRESS LISTED XXXX GA 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 non-monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
my credit report has a charge which is not mine, listed under a person with a wrong date of birth, as per the Transunion representative I spoke with. He did not help me, states I need to send them a letter with this info on it, They made the mistake! This needs to be removed 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 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:
2 weeks ago I called Transunion to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report. 

The inquiries in question are : 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 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I signed up for XXXX XXXX XXXX received modem via the mail- upon installation, the equipment was inoperable. Contacted XXXX, and they sent out a technician who could not fix the issue. Never had working service- became dissatisfied with the company and switch to XXXX . XXXX billed me for the month I had no internet service. Contacted a representative from the company who indicated that they would resolve the issue. Upon reviewing my credit report, discovered that not only was it, was not resolved, it posted as a derogatory 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 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX XXXX was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has my birthday wrong. 
And, I have a new employer that I would like added on. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XXXXXX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

I have attached both of our IDS and my credit report

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