vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX account reporting late on XXXX and XXXX 2015 when account was never past due.

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 2016-05-05 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Discovery Systems, LLC
State: VA

Complaint narrative:
XXXX, Called my manager at my job and disclosed to her he was collecting a debt and would be turning this over if I do not reach out to him. He was never informed he could contact my job nor can they disclose this information to my employer. Also, I recieved a call on my cell phone about this and spoke with someone about 2 months ago telling them I did not know of such debt and requested a letter in mail and never recieved. I was told they are emailing me which is not proper form of communication.

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: MI

Complaint narrative:
I have been diligently working on my credit score, so I enrolled with a credit monitoring service to keep track of my reports and scores. Some time last month, I checked my report to find that all inquiries had been removed from my Transunion credit report. This also, of course, resulted in my credit score being raised. I had absolutely NO knowledge of any system glitch or anything of that nature. Fast forward to recently, I checked my file again, and there were the XXXX inquiries re-added, which of course, dropped my score! I am furious because as far as I know, it is not lawful for the inquiries to have been re-added without ANY notification to me, written or otherwise. I should have been notified, ESPECIALLY since the result had a direct effect on my credit score! I reached out to Transunion, and the rep RUDELY stated that he would only remove an inquiry after XX/XX/2016. What good does that do me? ALL the inquiries were removed and ALL of them were placed back on the account, not just the ones from XXXX. Ridiculous response given the situation. Because I was not notified, I would respectfully ask that Transunion delete the inquiries, as they have for so many other individuals. Why would I be any different? If they can delete for others then they can delete for me as well, unless they are discriminating with who they help. I have contacted a personal attorney, as well as the attorney general. Transunion is in the wrong for not notifying me that the inquiries were going to be re-added to my file, and that is not my fault.

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 2016-07-26 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: TX

Complaint narrative:
The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.

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 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
A original debt when into collections from XXXX XXXX XXXX, for {$790.00}. The collection agency is known as XXXX. After working with XXXX XXXX XXXX financial aid department the hospital requested that the bill be removed from XXXX because I qualified for financial aid which cleared the debt. I was then sent a letter dated XXXX XXXX, XXXX stating XXXX XXXX XXXX ceased all collection efforts through XXXX. From XXXX XXXX I have contacted XXXX because the debt was still appearing on my credit report. I was informed by XXXX employees that their agency does not have any open account in my name. I then informed XXXX employees that I disputed the debt but Transunion stated that someone at XXXX sent a XXXX word response stating the account is still open for collections. The XXXX employee told me that is impossible for anyone in their agency to send a response for a debt that they do not have in their system. I was then informed that agency sent letters to each credit reporting agency requesting deletion of the debt. XXXX sent multiple letters as well as submitting documents through a program apparently called XXXX to Transunion credit reporting agency. I attempted multiple time to have the debt removed by filing dispute through Transunion, and each dispute was returned stating that the debt was to remain as an open collection. I disputed the debt 5 times before XXXX XXXX reported that they will no longer accept any dispute for that particular debt. 
I contacted XXXX collection agency multiple times to be informed that their agency has sent multiple responses to have the debt deleted. I then contacted XXXX to have a supervisor contact Transunion to see why the credit reporting agency refuses to remove the collection. On XXXX XXXX, XXXX I was informed by XXXX that one of their supervisors had spoken to the marketing department at Transunion and was informed that the debt would be removed in 3 to 5 business days. As of XXXX XXXX, XXXX the debt still remains on my credit report as an open collection causing unnecessary damage. I have contacted Transunion in regards to the deleting the debt and was informed that they refuse to delete the debt and that they will be keeping the debt open until XXXX. I have personally sent a letter to Transunion asking the debt be deleted from credit report as well as a copy of the letter sent to me from XXXX stating the debt of {$790.00} was to be deleted. Transunion denied receiving the letter and still refuses to delete the debt. Can someone please help me, If someone needs to confirm what I am saying they can contact XXXX at XXXX my case reference number is 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 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have place a called to the credit bureau ( Transunion ) today XXXX/XXXX/2017 and told them that I have notice on this passed weekend that my inquires were reinserted back on my credit remove that was previous remove. I also had XXXX collections that were removed and them add as a new account. I need to have this taken care of ASAP. They told me that there was nothing they can do.

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: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complained against XXXX XXXX XXXX regarding a phone service and I was due a response regarding this matter. My bill was sent to collections and now, I am outraged and would like to find a solution.

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 2015-12-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services
State: SC

Complaint narrative:
In XX/XX/XXXX I took a loan out with Western Sky in the amount of {$2600.00}. I have since paid back over {$9000.00} to XXXX different companies, Western Sky, XXXX XXXX, and Delbert services. I paid what I thought was my last payment in XX/XX/XXXX and now I am getting calls from a company called the XXXX stating I owe another {$1600.00}. They are calling me at work after asking them not to, and calling my mothers home harrassing her and telling her she is involved and going to take her to court also. They told me if I do n't pay them in 3 days they will sue me. I need advice how to handle this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir or Madam, I added a new credit card, the XXXX credit card for my recurrent payment at {$59.00} for my XXXX XXXX bill. Somehow, the old credit card, the Capital One Quicksilver Card still charged me for {$59.00} for XXXX, after talked to the customer service, Capital One credited me {$59.00} on XX/XX/XXXX and XX/XX/XXXX. I had no clue why they had credited me twice. But XXXX billed me at {$110.00} on XXXX ( $ XXXX $ XXXX {$110.00} ), I paid this {$110.00} with XXXX XXXX XXXX I think I cleared all the money I 've received from credit on XX/XX/XXXX and XX/XX/XXXX but somehow Capital one re-billed me at {$59.00} again on XX/XX/XXXX, but I already cleared this payment with XXXX. I 've called Capital One customer service, but they said this case is closed. how can Capital one re-bill me " another {$59.00} '' for XXXX? I explained to the Capital One customer service, they said because I have to pay them back the money credited to me, but the thing is I 've already paid to XXXX with XXXX card. I made the phone call to Capital One customer servie today XX/XX/XXXX, XXXX and talked to the customer service and he transferred me to the supervisor, his name is XXXX, the ID is XXXX. He wanted me to talk to XXXX or XXXX, I keep explaining to him, I Paid this bill already but Capital One still wants to bill me and I can not dispute this {$59.00}. Therefore I only can make the complaint to BCFP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I started this loan XX/XX/XXXX with a payment of {$180.00} a month for 10 years for my daughter. It started out with XXXX XXXX XX/XX/XXXX i was laid off from my job and i was struggling to make the payments and i fell behind on the payments i contacted XXXX XXXX for help and they said the only thing i could do was put the loan in forbearance i did that for 2 years then Navient took over serviceing my loan and they capatlized on it and charged a lot of interest, consolidated the loan and changed it to a 25 year loan without even telling me.I was not able to pay the {$250.00} payment i asked for there help with a payment plan i could afford and was told the only thing they could do was set my payment at {$180.00} a month for 2 years that was XX/XX/XXXX - XX/XX/XXXX i made those payments but nothing came off the principle it was all applied to interest since XX/XX/XXXX i have been paying {$250.00} a month and have not missed or been late on a payment but my principle is not going down only going up the original loan was {$22000.00} and now it is {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts 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 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I had a medical bill for XXXX XXXX Medical Center for {$780.00} sent to XXXX XXXX for collection. I paid XXXX XXXX and have a receipt for the payment. XXXX removed the debt from my credit but Transunion still shows it as an open account that I owe. I have checked with XXXX XXXX and they say they have reported it paid in full an closed. i have disputed this with Transunion and they say their information is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: NC

Complaint narrative:
Drive Time is harassing me by phone. I have received XXXX phone calls in 30 days, from XXXX different numbers in NC, AZ, and GA. I have blocked the number in GA but they continue to call me daily. I have notified Drive Time that this number is blocked. 

When I do n't answer the GA phone number, they then call me from AZ or NC, or both. I have asked Drive Time to stop calling me daily. I have asked Drive Time not to contact me more than once per week, but they continue to call me daily. Yesterday I spoke to a Drive Time customer service agent at XXXX and they called me again at XXXX to discuss the same issue. Again, I asked them to stop calling me and the agent claimed they did not call me more than once, which is a LIE. 

I have asked Drive Time twice this week to stop calling me so often but they continue to call me daily. I also have cosigned on a loan for my sister who lives with me. They call her and when she does n't answer they then call me. Literally her phone rings, then my phone rings. They do n't leave her a message but will leave one on my phone. 

I have received nasty messages from several agents at the GA office and when I return their calls I am told they are out of the office or they are not working until later in the day, even though they just called a few minutes before and left a message. XXXX, XXXX, XXXX, XXXX ( or XXXX ), XXXX, XXXX are constantly calling me and leaving messages saying that it is urgent they speak to me immediately. When I do n't return their phone calls they then send me emails. 

I have received XXXX phone calls in 30 days. I have complained several times about rude agents and rude voice mails. I have complained about the number of phone calls. I have told Drive Time their amount of contact is harassing, and disruptive. I have asked Drive Time to stop contacting me daily, but the phone calls and emails continue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed adverse accounts on my consumer file in XXXX, XXXX XXXX Bank, XXXX mortgage XXXX XXXX accounts I was requesting to validate that these debt belong to me but Transunion failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

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 2016-05-31 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: FL

Complaint narrative:
over the past 1 year a debt collector called about a XXXX dollar fee for a medical dev ice on my husbands XXXX. I told the company to pick it up before because it did not work properly anyway. At the time the man who called cussed me out, yelled at me, threaten me. He said awful things. My husband suffered a XXXX in XX/XX/XXXX.I was taking care of him full time .With no help. I have no family. He is also a veteran and now he is XXXX. Mind you this bill was from XXXX. In XXXX when this man did this he probably called 50 times. Than after about4 months another man started calling from XXXX XXXX. He was trying to collect and said it was handed to him and he was with a law office. I told him to quit calling me. Well he did not stop. He plays the nice guy. I told him I was not paying and to sue us. I also told him my husband is almost XXXX and has a brain disorder leave us alone. He wanted the machine back but medicare paid for that i found out. Please do something for us. I have a husband ill and am XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 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: NC

Complaint narrative:
Hello, Simply I contacted XXXX to ask them to reinvestigate several hard inquiries on my credit reports. When they got back to me, they stated that I did authorize the hard inquiries, I asked them to provide proof of this and they will not. I ask that you guys aid me in having XXXX completely remove the hard inquiries for lack of proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Clarity Services
State: MO

Complaint narrative:
I keep getting calls, texts and emails about completing my loan application to get my money fast. I have not applied for any of these loans. I have spent 3 days filling out forms for Identity Theft and filed a police report. I got a denial email XX/XX/2016 for a loan I did not apply for. I have told these companies multiple times to not contact me and remove my name, phone number and email from their list. 

The following companies that continue to contact me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Clarity Services, Inc. XXXX ( Multiple unauthorized hits on my Credit Report )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account had balance of XXXX and i did not use or authorize to go to XXXX that 's in sane not right at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XX/XX/XXXX and XX/XX/XXXX. My original mortgage servicer was XXXX XXXX and was bought out by XXXX XXXX XXXX XX/XX/XXXX. Due to the recent XXXX XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX Mortgage settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and 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 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been really bad communication with Transunion credit bureau. I have stated over the phone and sent certified letters to have unauthorized inquiries 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 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Transunion credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have outdated information on my credit report that I have previously disputed that has yet to be removed this information is more then seven years old and does not meet credit reporting requirements

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