vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Mountain West Financial, LLC
State: CA

Complaint narrative:
We are selling our home. We have been in escrow since XXXX XXXX, 2015. It is now XXXX XXXX, 2015. The Lender, Mountain West Financial has been Telling us for the last 7 weeks that the loan will close this week, every week. It still has yet to close. We are now living in our trailer, forced to make not only mortgage, but rent for our trailer. We want them to finish the file, but keep getting the run around on it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX about XXXX inquires on my Transunion credit report on XXXX XXXX. I was told that they would contact Transunion removing the fraudulent inquiries. They have not. Then when I contacted them again, they directed me to Transunion in which they directed me back to XXXX. I am entitled to have these fraudulent inquiries removed XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015

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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2007, my name was listed second on a loan with XXXX to allow my former spouse to purchase her vehicle under the XXXX Employee Program. After numerous late payments by HER, it was sold and the proceeds above the loan balance were refunded to her. Despite the fact that I made NONE of the late payments, no " repossession '' was done from me, and I did not receive any of the sale profits, TRANSUNION refuses to delete this account from my file.

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 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
you have an address on XXXX in XXXX texas and i have never lived in XXXX texas there is also an account for time warner cable on my report and i havent had XXXX i have lived in XXXX texas for about 2 yrs now and was XXXX for almost a yr prior to that and they do not have XXXX in XXXX also it says it was opened in 2014 that is impossible since i have lived in XXXX during that yr and can prove it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.

Complaint narrative:
On XX/XX/2016 the above documents, XXXX pages total, were mailed to Chief Financial Officer, XXXX XXXX XXXX to Ally Financial XXXX XXXX XXXX, XXXX XXXX. These documents. minus XXXX pages, were stamped Accept for Value, they were also endorsed with my XXXX File # XXXX XXXX Treasury Account #. These documents minus the XXXX stamped pages, XXXX pages total, were returned on XX/XX/2016 in the return letter sent by XXXX XXXX, XXXX XXXX Ally Financial. A XXXX of justice has taken place : 1. Full Disclosure ( I was not told that I was actually creating the credit with my signature ) 2. Equal Consideration ( they brought nothing of value to the table and so have nothing to lose ) 3. Lawful Terms and Conditions ( was actually based on fraud ), and 4. The signatures of both parties ( corporations ca n't sign because they have no Right or Mind to contract since they are soul-less legal fictions, and no third party can sign a contract on their behalf ) ***DULY NOTED : ITEMS XXXX-XXXX WERE NOT RETURNED BY XXXX XXXX , FRAUD INVESTIGATOR FOR ALLY FINANCIAL XXXX XXXX XXXX, XXXX XXXX IN A CORRESPONDENCE DATED XX/XX/2016 AND RECEIVED ON XX/XX/2016. THESE DOCUMENTS WERE MAILED TO ALLY FINANCIAL ON XXXX/XXXX/2016 TO CHIEF FINANCIAL OFFICER, ALLY FINANCIAL 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 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted several disputes to Trans Union credit bureau regarding incorrect information regarding a collection item on my report - XXXX. This is NOT my account. I have been insured with XXXX for over 6 years. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An address in XXXX is on my report and I have never resided nor used an address in that state! I have only resided in XXXX XXXX and XXXX since I was 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 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i do not accept the answer they gave and wish to dispute their answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XXXX ''. It is now XXXX, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.

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 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I disputed a Tax Lien from the XXXX registry of deeds XX/XX/2016 via certified mail to Transunion. I sent 2 to 3 letters stating that i knew nothing of this Public record I recieved the results of the investigation XX/XX/XXXX ( see attached ) from Transunion stating the entry was verified. I immediately called the XXXX Registry of deeds at the number Transunion provided me in the correspondence. I asked about this lien and they knew nothing of it i then called the IRS and asked if they had verified or validated anything with the Credit bureau. I do n't owe the IRS or any state entity any money, nor do i have any Liens connected to my name or residence. Transunion is violating the FCRA by not providing proof of documentation they did n't mark my credit report " disputed by consume '', and ive given them numerous opportunites to correct error. This public record is hurting my score and my financial life.

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 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I disputed XXXX accounts as inaccurate/incomplete with specificity as to what wasinaccurate/ incomplete.on XX/XX/XXXX the investigation was completed with '' new information '' ( documents XXXX & XXXX ) .Both accounts are delinquent charge-offs and do not supply the basic '' date of first delinquency '', as required by FCRA.BOTH do not include the amount of lastpayment and other incomplete inaccurate info. ( documents XXXX XXXX ) .The creditors do not specify these items to completely report because it would then be calculable that both creditors charged penalty fees in excess of those allowable by the XX/XX/XXXX CREDIT CARD ACTwhich was fully implemented just prior to the opening of both accounts.I believe both creditors do not want to be paid ... ..because in writing off excessive illegal fees they make more moneythan if I would pay only the charges allowed by law ... ..so they earn more defrauding the tax authorities and the public.TRANSUNION should have deleted both accounts but they do notbecause the creditors are their customers and pay them to collude.TRANSUNION ISNOT ALLOWED TO REPORT INCOMPLETE /INACCURATE INFORMATION afterinvestigation, especially obvious, on the face of the record items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been identified as XXXX XXXX. I have never used this name. My name is 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 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
On XXXX/XXXX/15 my credit score went from XXXX to XXXX due to my credit report showing " a derogatory public record or collection filed. '' I have not been sent anything legally certified in the mail nor have I ever received a judgment from any court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
A collection company by the name of XXXX XXXX XXXX ( a XXXX Collection Agency ) appears on my credit reports. They have also sent a letter to me. I live in XXXX. Based on XXXX State Laws, a collection agency MUST be registered with the XXXX to perform ANY type of collections process UNLESS they are the ORIGINAL CREDITOR. They are reporting an account THEY OPENED with an account number THEY ISSUED, without my consent, or permission ... which gives an appearance it is a new/revolving credit account opened this year. The credit bureaus have an obligation to COMPLETELY REMOVE these XXXX XXXX XXXX entries because of the gross deceptiveness of their practices.

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 2016-10-06 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:
I see where Transunion reinserted a previously deleted information on my credit report. This is for XXXX account number XXXX. I disputed this with Transunion and nothing was done. This appeared after the glitch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had originally disputed with XXXX about incorrect items on my credit report that were in collections on XX/XX/XXXX. Transunion had a completion date stating XX/XX/XXXX. I did n't receive an email until XX/XX/XXXX that my investigation was complete. First, since I received the results on XX/XX/XXXX instead of XX/XX/XXXX, I was improperly notified and that these items should immediately be eliminated from my credit report. Second, when I had reported Transunion to the CFPB, Transunion stated a second investigation would take place but never was. The results that arrived the XX/XX/XXXX were the only results provided to me to which they concluded the only investigation. I show on the results they also supplied with had a open investigation on XX/XX/XXXX with a blank investigation results. How can transunion respond back to the CFPB stating that both investigations were already completed when they ended their investigation on XX/XX/XXXX and did n't even start the one for XX/XX/XXXX. As stated previously, my credit report was falsely investigated by Transunion and I want those collection items deleted from my report. In addition, ever since I have started reporting this bureau, I have been receiving unwanted emails at all times throughout the day and in the middle of the night disturbing my family. As noticed online, I see Transunion has a reputation of offering deals to consumers without their knowledge and consent and these offers I 'm reviving as well which is concerning to me. I have one simple request with 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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There is incorrect personal information on my credit report. Incorrect variations of my name are showing on the Transunion report as well as an address that I have never lived.

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 2015-06-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
ALLY BANK HAS LYED ABOUT THE REPOSSIONS OF MY XXXX XXXX XXXX, WE GAVE CAR BACK IN XXXX XXXX, CAR WAS TOTALLY NOT RUNNING, XXXX XXXX DEALER, XXXX NEW JERSEY WAS TOLD TO GIVE CAR TOO BANK, WAS UNABLE TOO REPAIR, CAR COULD NOT BE STARTED, PROGRAMS IN THE MAJOR RUNNING SYSTEM NEEDS TOO BE TOTALLY UPGRADED. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER, OR BANK! 
WE NOTIFIED THE STATE ATTORNEYS OFFICE, CONSUMER PROTECTION AGENCY, NEW JERSEY AND ALSO THE LEMON LAW. 
COMPLAINTS WERE SENT TOO CONSUMER PROTECTION AGENCY, ALSO TOO ALL CREDIT BUREAUS IN XXXX, XXXXTHIS WAS A BAIT AN SWITCH TACTED BY XXXX NJ. 
THEY 'VE DESTROYED MY CREDIT, ALSO LYED TOO THE CREDT BUREAU ABOUT ME VOLUNTARY REPOSSESSION, THEY SAID HEY REPOED VEHICLE IS A MAJOR LYE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i recently received a letter from Transunion on XX/XX/2017 stating that the investigation of the dispute of credit error item had completed, and the item of error has been successfully deleted or removed from my credit report. So i checked my credit report online and the item was cleared then but somehow on XX/XX/2017 the item of error reappear on my credit report again as i recheck my credit online religiously. i have been discussed this matter with the credit grantor and it was settled in an agreement. In my humble request for the credit report agency to investigate what is happening with this matter and provide a best solution in regard of this item of error.

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 2016-11-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My car was repossessed in XXXX 2016. When I called Ally to find out how much it would cost to have the car returned to me, I was told that it would cost {$1500.00}, and specifically told that this included the XXXX payment, and applied as follows : XXXX thru XXXX payment - $ XXXX XXXX payment 377.81+ Late fee XXXX {$1500.00}. Ally now says that I 'm late on my XXXX payment because they applied {$400.00} to the Redemption Center. I 'm complaining because it was never disclosed to me about the Redemption Center fee, and because I did not follow the instructions to have the money wired to them, but rather mailed a cashier 's check instead to the usual payment location, instead of to the Redemption Center.

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 monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was part of the Trans Union glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response.

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 2016-01-04 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:
XXXX credit card on my report is not mine. The account is my ex-husband 's and I had no legal responsibility to this credit card. He has paid the credit card with a agreed upon settlement amount however this card is showing on my credit report. I have made several unsuccessful attempts to resolve this, XXXX has repeatedly told me that I am not responsible but wo n't provide me with a letter or promise to remove the negative info. They state that they are not trying to collect the debt from me and it is a closed matter, however it is reflecting negatively on my report. Please help me resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 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:
Trans Union Credit Reporting Bureau had a glitch in their credit reporting system that violated the rights of consumers under section 6.11. By Trans Union deleting and reinserting information, I have been gravely affected and my credit score has suffered significantly. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed immediately.

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 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has sent the same letter 2 times to all credit agencies to inform them to take the mortgage off my credit as derogatory. The first letter was sent in XXXX and the second was sent in XXXX. XXXX is the only one that has done this. The others have not and it is hindering us getting another home loan. It has been well over the 90 days they say it can take to fix this. We are now approaching 180 days. XXXX the amount of time they say it could take.ni am fed up with this and want this fixed NOW!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX XXXX and their researched found there to be no loan of any type in my name with their company. I then sent all XXXX reporting agencies that information they still are reporting XXXX accounts.

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 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This car was a total loss XX/XX/XXXX. The pay off was {$18000.00} XXXX paid {$16000.00} XXXX paid {$580.00} XXXX paid {$520.00} XXXX paid {$510.00} XXXX paid {$260.00} Add everything paid comes up to {$18000.00} That would leave {$310.00} left to pay. I have tried to talk to customer service several times to see way my bill is {$830.00}. I would like to get this resolved and paid if you could help me understand the difference between my calculations and yours. 
I would also like to know way you waited until XX/XX/XXXX to send a letter to XXXX to cancel and get payment from 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