vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have been trying to get a modification and keep getting the runaround. Now I have a foreclosure sale for next month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I submitted a claim for this previously but attached the incorrect document. I am filing this claim because of an error on my Transunion Credit Report however on my previously submitted claim I mistakenly attached my XXXX Credit Report as documentation. This is an updated claim with the correct document attached this time. Sorry for the inconvenience. 

It shows that my XXXX XXXX account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate information still in 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 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile 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 My ID via drivers license is attached

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 2017-03-22 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:
My legal name is not reported on XXXX and it will not let me update my information, yet I have had the name for over 10 years ; There are employers reported I have no knowledge of and accounts opened that I also have no knowledge of. I can not receive any of the XXXX credit reports because I am unable to verify my identity because the information I have found reported to XXXX does not belong to me. My monthly income is not accurate either.

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 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My divorce several years ago left me financially devastated ( custody dispute, illness & more ) and I still am not recovered. I had to sell my house after never missing a payment for years. 

Only I owned the house before, during and after divorce. No one could explain why the credit union called in my mortgage. I sold it after spending lots to upgrade it for sale and have lived in apartments with no hope of buying a home again. I have taught high school history for 25 years in rural NYS. 

I found out via creditkarma that there was a public record of a lien against my house for an unknown judgement against my ex-husband. He had paid it and a year ago I sent proof to the credit companies that it was paid. 

It now shows that it was paid, but I understand that public record on my credit history seriously damages my score. Because my ex-husband never owned the house, I believe this item never should have been on my record. 

I believe this information caused me to lose my house and now ca n't get a credit card, and pay outrageous interest rate for an old car XXXX XXXX XXXX ) and insurance. 

I have other problems with credit cards from that same era for which I am starting to declare chapter XXXX bankruptcy XXXX massive rate hikes and insane fees from XX/XX/XXXX + " sewer service '' notices XXXX. 

Any steps at improving my situation will help tremendously. I have custody of my XXXX year old daughter and deal with health problems ( recently had a XXXX, but have recovered miraculously so can return to work XXXX. 
TRANSUNIONex-husband : XXXX XXXX XXXX Tax Lien XX/XX/XXXX Paid $ XXXXPublic Record DetailsReference Number XXXXDate Filed XXXX XXXX, XXXX XX/XX/XXXXStatus PaidAmount $ XXXXClassification LienType Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX ( XXXX ) XXXXI am : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a dispute with transunion credit reporting agency of a judgement on my file docket # XXXX, i disputed the inaccurate information and wants the item deleted, on XXXX/XXXX/2015, transunion sent me investigation results stated that the item is verified, on XXXX/XXXX/2015, i contacted XXXX representative, their attorney XXXX, i spoke to a rep named XXXX XXXX, who indicated the case is settled and i do not owe this judgement, i want transunion to delete the inaccurate information it is reporting on my file which is causing me financial distress, i believe unverifiable and inaccurate information should not be put on a consumer 's credit report without due investigation and research of the account. im therefore demanding the appropriate action of deletion be done immediately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
GMAC vehicle lease turned in date of XXXX XXXXGMAC company is absorbed by Ally. 
Credit Bureau never reflected lease termination when dealer sold vehicle to new owner as a sale vehicle. 
Credit Bureaus shown I owe {$9200.00} as of XX/XX/XXXX. Negative derogatory remarks for outstanding amount owed. 
Ally would never correct information to reflect positive account. 

Vehicle was purchased as a sale by new owner XX/XX/XXXX for XXXX paid over {$900.00} in sales tax in XXXX XXXX County where vehicle was returned. 

Same owner who purchased the vehicle XX/XX/XXXX currently still owns the vehicle. 

All transactions took place in XXXX Fl. 

The sale occurred before the credit bureaus were notified I owe remaining balance as of XX/XX/XXXX. 

GMAC went out of business Ally took over their obligations. 

No one at Ally will talk to me to resolve this issue in the last seven years. 

Florida Vehicle Title number XXXX sale date XXXX for vin number XXXX for XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

Anyone who runs the vin can see this same information of the current owner name and address who paid XXXX and over {$900.00}! in taxes. 

Clearly Ally never updated GMAC records as GMAC went out of business. 

I am left to carry the financial burden and negative credit bureau mis information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 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: FL

Complaint narrative:
I applied over the phone to get my yearly free credit report from all XXXX reporting agencies. All three sent back a letter, stating that I would need to send a copy of current Driver 's License, a copy of a Bank statement and Utility bill. I sent this info out and received my credit report from XXXX and XXXX. I then called Transunion to ask about the delay and was told that they were unable to read the copies I sent out. I had copies for myself and had no problem reading them. I then sent out XXXX copies of Driver 's License and Bank statement ( which were copied in color ). I was told this time that the Driver 's License could not be accepted because I had it longer 2 months. Which make not sense at all! So now I am left unable to get my report from Transunion.

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 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After disputing the information with the credit report agency left me with no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was convicted of XXXX in XXXX in XXXX XXXXXXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX Court did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In reviewing my credit reports from the XXXX major credit agencies, I see a creditor reporting an account that violates the HIPAA Law. I requested a total deletion under the FCRA. According to the Federal Credit Reporting Act, their duty as a creditor is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or myself as the consumer. I would like to thank you in advance for upholding the law as dictated by the FCRA and removing this account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX I have disputed this medical account with the reporting collection agency and they provided me with medical summary charges in which they violated HIPPA law. If needed I have proof to provide.

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 2015-06-16 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:
XXXX XXXX has a collection against ( {$580.00} ) me but I have never had a XXXX XXXX account. It states the account was opened in XX/XX/XXXX, closed in XX/XX/XXXX, and went to collections in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Bank uses criminal thuggish tactics in an attempt to collect payments because I fell behind in my car payments. Their tactics have caused me and my mother unreasonable harm. For example, last week on Monday XXXX XXXX, 2015, at XXXX XXXX, an agent of Ally Bank, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, repeatedly called my mother 's home. In Particular, one person who called, identified herself as XXXX XXXX, she pretended to be a law enforcement officer by stating that " she was with the investigation unit. '' She also disclosed that she was trying to reach me because they wanted me to turn in the car implying that it was a criminal violation to owe money on a car loan. That is bad, because it appears to be a violation of my consumer protection rights and a UDAAP. It is certainly an unfair practice that puts the bank and its depositors at risk because of possibility of claims and damage to their reputation - especially if XXXX XXXX takes interest. 
As I said, that was bad, but it was not as bad as it gets. Later that night or rather in the middle of the night at XXXX XXXX the next morning, another agent of Ally Bank, XXXX XXXX XXXX of XXXX XXXX, actually came to my mother 's house. He pounded on her door and woke her up in the middle of the night! 
Imagine this : she looks out the window and sees someone with a flashlight in her side yard and backyard - and then actually pounding on the door in the middle of the night. She opened the door to a man in a uniform with stripes on his pants who identified himself as from the " XXXX Investigative unit! '' saying he was looking for XXXX XXXX. She said " for what? '' he repeated the question and then said he was looking for XXXX 's XXXX XXXX. My mother told him she was calling the local police. She then came back to the front door with her phone in her hand and asked for his name and rank, He handed her a paper and said " You are served!!! '' She was scared to death, he appeared to be armed, but as she said she was calling the police he quickly left. He tore down the street out of town and went back to XXXX, XXXX where we believe that operation is located. My mother was confused and did not call the police. She then looked at the paper he gave her and then she read that It only said " Sorry I missed you. '' I have the paper for you to review. But their tactics made her believe it was a legal process. Again, what government agency allows people to pretend to be law enforcement and knock on peoples ' doors in the middle of the night? 
Finally, I tried to catch up on arrears because of this intimidation and then they told me that they would not take the back payments that I had to pay the balance in full plus additional charges for their thugs. My account with Ally is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not live at XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX My name has never been XXXX XXXX XXXX XXXX is my middle name. 
I have not used 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 non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion is falsely advertising that they will sell you your XXXX-bureau credit report and score for {$9.00}. Once you sign up, pay the {$9.00}, and log in, you are required to pay another {$29.00} for the services advertised. I have attached a picture. Both my husband and I fell victim to this fraudulent advertising, but we caught it right away and were able to cancel. The customer service agent who took our call said that it was " never advertised '' that this service was included in the {$9.00} initial price and that it was a separate service entirely. As you can see from the attached documentation this is clearly a lie - the advertising on both the splash page and the sigh-up page claim the reports & scores are included in the {$9.00} initial cost and there is no mention anywhere of the " seperate service '' or " additional cost ''. I would like to report them so no one else falls victim to this deceptive advertising. It 's such a shame that this should come from one of the main credit bureaus that people are inclined to trust!

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 2015-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
All the credit agencies reported a disputed phone bill with XXXX XXXX XXXX as current even though it was from 1998. This caused my credit score to fall from XXXX to XXXX and prevented me from leasing a car at a price I could afford. The collection agency for XXXX XXXX XXXX called XXXX did this to force me to pay this old bill that was a billing error. They should not be allowed to falsify information and the credit reporting agencies should be responsible for making sure information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I BEGAN to prepare HELOC applications, with XXXX and XXXX, XXXX 2016. I have a XXXX HELOC and am in the pay off stage ; and I 've paid off my mortgage with XXXX. I have been a XXXX customer for 35 years. Both XXXX and XXXX pre-approved me for HELOCs. 
At the very same time that I began to apply for XXXX and XXXX HELOCs, to compare offers, I began to receive credit cards, and requests for additional aplication information, from several banks. I placed a fraud alert with all XXXX credit reporting agencies, filed an FTC report, and I 'm speaking to the banks and non-financial companies offering cars or requesting additional information directly with the non-financial companies alerting them that this was identity theft, all the cards and applications were fraudulent, and asked them remove any hard inquiries that appeared on my credit 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 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have never lived in Utah. There is a Utah address listed on 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 2016-10-19 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:
I worked on my credit report. I had collection deleted from my TransUnion, XXXX And XXXX. I had XXXX collections that was removed and deleted. But the credit agencies reinserted them again.Pursuant to sub paragraph ( A ) the information may not be reinserted in the by the consumer reporting agency. Unless the person who furnishes the information is complete and accurate. Notice to Consumer, If and any information that has deleted from a consumer file pursuant to subpar graph A is reinserted in the file the consumer of reporting agency shall notify the consumer of the reinsertion in writing No later than ( 5 ) business day after the reverting or if authorized by the consumer for that purpose, By any other means available to the agency. I was n't provided in writing about the reinsertion..

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 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is the second time in the past 6 months that TransUnion is not reporting the correct balance of my student loan. TransUnion is claiming that XXXX is not submitting the correct balance and XXXX is claiming that the fault is with TransUnion. Need assistance resolving because this is negatively impacting my credit score for the second time this year. Both institutions are passing the blame and the customer service is is appalling.

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 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Saw runs of my credit not authorized by me

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