vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted dispute letters to all three credit bureaus because all the things I was disputing was n't accurate, was n't mine or the same account being placed on my report triple or more then triple time. .Under the Fair Credit Reporting Act, 15 U.S.C. 1681g That I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. I ask them in the letter please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then 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, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Plus, all my loans was discharged later after my third dispute letter request was sent to the credit bureaus. I also fax the letter from Department of Education that stated all my student loans was discharged. On XX/XX/2017 I well be faxing in to each credit bureau NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 letter.

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 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Some credit agencies have my address as a XXXX address. That is not my address that is my fathers address. Mine is XXXX XXXX not XXXX. I 've attached proof of identity and address. My drivers license

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There exists a policy among credit reporting agencies such as TransunionXXXX and even XXXX XXXX of reporting " hard inquiries '' in a negative manner. In 2015 I purchased a new car, my score was XXXX, so it was good. I wanted the best financing offer possible so I allowed the car dealership to " shop '' my loan to XXXX different places and accepted the best offer. However although those inquiries were all on the same date, same transaction I received XXXX hard inquiries which dropped my overall credit score XXXX XXXX XXXX points. Now, I know from talking to a CFPB rep that the credit agencies " say '' those inquiries do n't affect your score, that 's not true. Consumers should be allowed to choose the best financing they can get, without being punished on their credit reports. I disputed the inquiries with reporting agencies, but the disputes were denied because they actually happened, those inquiries did take place. So I was punished for trying to shop the market. I have printed reports showing those inquiries as being numbered, printed by name and date and listed as a " credit factor '' on my actual credit reports, so the reporting companies either did n't want to understand the question when CFPB asked the question, or they lied when they told CFPB that inquiries do n't affect your own credit report. I do n't believe that XXXX intended the public to be " pushed '' in only XXXX direction when trying to obtain credit and punished for trying to shop their own credit information.

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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Georgia State Tax Lien was placed on my Trans Union credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Trans Union but the refuse to remove the lien.

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 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This account was paid in full on XXXX XXXX, 2016 with a promise to " Pay to Delete '' from XXXX. I have disputed and talk to several employees regarding deletion of this account ( not updated ) from ALL credit reporting agencies. I am only asking that it is deleted immediately due to meeting all my obligations to pay what 's owed on this account. Thanks for your help in this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I used Transunion to receive a free credit report. At no point was there any indication that I would be charged and I obviously gave them my credit card information in good faith since they needed it for my credit report. I have not received any receipts, emails or further information but finally noticed a charge on my credit card. Apparently they have been billing me {$19.00} per month since 7 days after I got my report. There is no way to cancel the subscription online. They provided no services for that money. They gave me no receipts. Now that I have called, they have allegedly canceled my account. Still, I am out {$100.00} now. I have attached the receipts I just obtained off the website as well as the bottom of my Credit report ( the top is omitted ) which clearly states that I should be charged no more than {$8.00}.

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 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX took the process seriously and looked not only at my letter ( s ) explaining the unauthorized transactions but they also took the supporting documentation I sent to them and immediately removed the accounts in question. I have XXXX accounts that belong to my ex-spouse XXXX XXXX that she obtained while I was serving our country as an XXXX XXXX in XXXX. I signed a Power of Attorney over to her while I was laying my life on the line in combat because we have a son together and in case I died, I wanted her to be able to handle my affairs for the betterment of her and my son. Instead, she took the Power of Attorney and opened up accounts without my presence or knowledge which to say the least is very wrong on many levels because when I returned home from XXXX, she continued to use the Power of Attorney without me knowing that either, and I mean upon my immediate return home. Think about that sneaking behind my back to open up an auto loan with XXXX XXXX ( supporting documentation attached ), she opened up an account with XXXX XXXX. XXXX and charged it off in my name ( supporting documentation attached ), and through a court order, she was supposed to be responsible for a home loan with XXXX XXXX XXXX Mortgage but instead of abiding by the court order, she 's currently {$3100.00} past due on the account which is reflecting on my Transunion and XXXX credit reports ( supporting documentation enclosed. ) I have been writing letters and sending supporting documents to XXXX and Transunion for over 5 months now and all they do is contact XXXX, XXXX XXXX, and XXXX XXXX XXXX Mortgage and come back with a response letter saying that the creditors verified the accounts. This is not proper investigational work. The companies mentioned do not have the right ( legally ) to continue reporting the accounts on my credit files with Transunion and XXXX. I reiterate : upon XXXX receiving my first and only letter to them accompanied by supporting legal letters, immediately deleted the unauthorized accounts from my credit file with XXXX on XXXX XXXX, 2016. Since then I just keep getting the run around with XXXX and Transunion. Its as if they just do n't want to take the time to review the legally binding supporting documents that I keep forwarding to them. Please see attached supporting documents and get Transunion and XXXX to remove the unauthorized accounts or the only remedy I feel will be necessary, will be to start contacting XXXX in the states of XXXX and XXXX and to get the XXXX Office to look into this very request for investigation with the CFPB if this is not investigated properly and proof of a proper investigation is not rendered back to me. Please help so I do n't have to keep climbing the ladder and or wasting time.

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 2015-10-05 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:
Transunion has deleted my whole credit file of 31 years. Their agent told me they found the records & would put it back on file in 3 days. It has been weeks & they have not done soXXXX Transunion XXXX refused to take XXXX 's credit information from XXXX 'S credit rep for XXXX accts I have with them. Only XXXX is reporting my credit info correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My car dealership, XXXX on XXXX XXXX in XXXX, FL, overcharged me for a service on the vehicle by {$640.00}. They rectified the situation by sending me a check for the error instead of sending it to the finance company, which is Ally Bank. I sent the payment to the finance company, and it is my understanding that my interest rate is based on the amount of the loan as well as my monthly payment amount, but after notifying my finance company of this error, no change was made to the contract, and I believe that for over a year, I 've been over charged in interest, which has caused me to be severely upside down in the vehicle equity and unable to refinance with a more reputable institution without an impossible to come up with down-payment.

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 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION continues to report " hard '' inquiries into my file by XXXX CARD on XXXX/XXXX/XXXX and by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XXXX/XXXX/XXXX. I have REPEATEDLY asked that ALL of these be deleted as they were to have been done as " soft '' inquiries yet no one has been willing to help me with this.

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 2016-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC
State: MD

Complaint narrative:
A collection service leaves a message with a phone number everyday on my recorder for a debt incurred by someone else not in my household. I call the number and leave messages that I am not the individual they are trying to contact and that no one lives there by that name. I ask for a call back. Now, the voice mail box is full and not accepting any calls. Literally these calls are in the hundreds now and quite frustrating since I owe no one anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
THIS COMPANY IS STATING THAT I HAVE A BALANCE IN WHICH I RECIEVED A LETTER FROM XXXX STATING THAT MY BALANCE HAS BEEN PAID AND XXXX HAS RECIVNED MY BLANACE OWED THAT WAS NOT EVEN THAT {$100.00} BALANCE THAT THIS COMPANY STATED. I CALLED XXXX AND THEY STATE THAT THIS WAS NOT MY BALANCE {$100.00} THAT WAS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
Never notified about this account not mine fraud. Mailed letter disputing account 30 days ago and no response.They have place it on my credit report and need this removed it fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Account is time barred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation
State: SC

Complaint narrative:
i have no authorized information that I used or allowed anyone to use to open this account the paperwork that you have is erroneous and currently i have pursued having these accounts investigated. this company swears that they have my information verified with me which they do not as I have not had any direct contact with this company about my personal information and the company has stated that they now will not have any communication with me to fix this issue but continues to report this account the the credit bureaus???

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
I receive collection calls throughout the day to my work cell phone number from an automated system representing themselves as " MAURY COBB ATTORNEY AT LAW LLC '' attempting to collect a debt. The automated message states my full name on the recording which is a HIPAA violation. A call back number of XXXX is given however when I attempt to call back it states the person at ext XXXX is not available and to leave a message. This is a business number and I need this to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: DC

Complaint narrative:
In anticipation of my loans entering repayment after an in-school deferment, I e-mailed a NJClass representative to ask about my bill due date an the amount. I was given incorrect information, and as a result my account is currently delinquent. The e-mail history is attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Webcollex, LLC
State: FL

Complaint narrative:
CKS Financial continues to collect and report to all XXXX national credit reporting agencies without any merit. I have tried to contact them several times with no response. I contacted the XXXX and the company said it will contact me regarding the complaint. I origionally disputed this debt as not being mine over 75 days ago.I have asked for proof of validation of references debt, they can not provide it to me. They continue to report this false claim on my credit which is affecting me dramactically for no reason.CKS Financially has over XXXX simiular complaints file against them for same practices. Many lawsuits are following for failing to abide by the fair debt act guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-01-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I have a XXXX credit card issued by TD Bank with a credit line of XXXX dollars and a current balance of about XXXX. I never have a late payment on this card or in any account. My credit score is XXXX mostly because is not not old, only 7 years. I just received a notification for TD Bank informing that because they are ending the credit card relationship with XXXX, my account will be close. How much that will be impacting my credit score specially now that I 'm about to apply for a mortgage. I have been fulfilled my obligation but apparently that means nothing for them.

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 — Trouble with how payments are handled
Company: GREAT LAKES
State: NY

Complaint narrative:
I used the auto-pay system to pay my loans and the servicer promised a .5 % reduction in interest. In XXXX, I changed my repayment plan to fixed in an effort to reduce interest payments and increase premium payments. I set the payment amount above the required payment as well. Great Lakes did not make the XXXX payment despite confirmation. They then reduced the auto-pay amount. As a result, the XXXX and XXXX payments have gone to interest only. They are also charging me at a rate of 7.8 % interest despite my contracted rate of 6.75 % which should be 6.25 % due to the auto-pay arrangement. This is the second time that Great Lakes has readjusted the auto-pay amount despite my efforts to set payments on line, by phone and by email. I feel their effort is to increase payments to interest and refuse to credit to premium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: OH

Complaint narrative:
I XXXX from college with a XXXX in XXXX XXXX. I then went to XXXX. When I was accepted into XXXX I was also trying to get financial aid to help pay for the XXXX. They accepted y request for aid under the circumstance that i paid off my Perkins loan. They would NOT release my money for the XXXX until it was paid, I then paid the load in full, they released my money almost when I was about to XXXX the XXXX. 
Two years later I received a notice from the attorney general saying that my Perkins loan was never paid. I called the school and they said that it was paid and then re opened for some reason. I have been dealing with this for YEARS now and every year they take money from my income tax. I have been fighting this for quite some time now and my credit is hurting because it shows on there that i have a default loan in the Attorney Generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES
State: NY

Complaint narrative:
My current lender, Great Lakes, told me that the loans I 've had for almost 20 years ca n't be considered for REPAYE status. I kept getting bounced back and forth between Great Lakes and StudentLoan.gov without getting anything resolved. Great Lakes says I can sign up for REPAYE but the clock will be XXXX and only by XX/XX/XXXX will I qualify for REPAYE! Really?? I 've been paying on these loans since XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This is about my Target Credit Card. In XXXX of this year, I made a payment on my Target card with my checking account. The payment was returned by bank, It was a mistake by my bank. In XXXX I made my Target payment in the store with cash. A week or so went by and the payment was not posted. I called Target credit and inquired as to why.my payment was not reflected. I was told that since my XXXX payment had been returned, they were holding my XXXX payment for 12-15 days. I asked why as the payment was cash. I never did get an answer. I then made my XXXX payment in the store with my debit card ( also a cash transaction ) and again my payment did not show up. I called and was told that since my XXXX payment had been returned, no matter how I make my payment for the next 6 months, it will be held for 12 to 15 before posting. I asked when was this policy made and why did Target not inform it 's customers of this change. The representative told me we do not have to mail you any thing, now you know and hung up on me

Company response to consumer: Closed with explanation