milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: TransUnion 's dispute resolution does not permit the ability to request review for missing information. My record was missing a credit card account I have. A previous card was closed due to a data breach and was replaced. TransUnion only has the closed card on file. In addition, my addresses are incorrect on all accounts. There was no way to indicate a missing account or the incorrect address. I could only select from addresses on file to indicate which is the current address : not useful when they have n't updated my addresses on any accounts after 4 years. My record even included a note that my addresses seemed suspicious. Pretty amusing they had time to note such but did n't have time to update the information so such a note would n't be necessary. 

I could not ask for the replacement card to be added because the dispute resolution process did not permit this. 

Even a different new credit card account was added with the old address -- which could not have been reported by this new bank that did n't know it. 

As a work around, I submitted a dispute on the closed card, noting it had been replaced and that the addresses were in correct, asking them to find the new card and add it to their records. 

In response, they deleted the closed credit card from my record -- counterproductive. The resolution did not match the purpose of my dispute. 

Their website says to submit a new dispute as a method of indicating the matter was not resolved correctly. However, even though they say to " click on the New Investigation link above '' on their Online Dispute Service Investigation portal, they provide no such link and the page contains no menus and only permits viewing of the original report. While it 's possible I will be able to submit a new dispute once the results of this dispute are deleted after a month, it seems TransUnion is intentionally limiting the ability to submit dispute inquiries. 

Though, to some extent, I 'm only assuming TransUnion made my record worse through the dispute process : because I can only access the current resolution report through the resolution Online Dispute Service Investigation portal ( which says they deleted the closed account ), I can no longer actually access my information since it is only viewable when submitting a dispute.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I sent following email to Experian with the subject of " Correct my score " .I got these scores from Experian website and I paid them to get these scores. They sold it as three credit bureau score. And clearly written there they are based on fico score XXXX. 

In reply they sent me a email explaining the difference in score models. 
As you can see in the following email from them. And clearly ignored the real issue. 
that why there is so much difference in score when credit reports are similar, and were based on Fico score XXXX. 

Correct my score Hi, My credit report of Experian is identical to my credit report of XXXX, and they both are based on Fico score XXXX. My score at Experian is XXXX and my score at XXXX is XXXX. 
This is a difference of 46 points. This difference in my score is from almost 2 years since I started noticing that. 
My credit score at XXXX is XXXX. also based on Fico score XXXX. 

My question is please tell me why there is difference of 46 points. 

XXXX XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX regarding your FICO Score. 

We understand your concern that the Score you received might be different than one you received from a lender. 

FICO Scores are developed by XXXX XXXX XXXX. The FICO Score provided by Experian is based on the FICO XXXX scoring model. Many but not all lenders use the FICO XXXX scoring model. 

There are many different credit scoring models that can give a different assessment of the credit risk ( risk of default ) for the same consumer and credit file. Your lender or insurer may use a different FICO Score than FICO XXXX, or another type of credit score altogether. Just remember that your associated risk level is often the same even if the number is not. 

At present time my score at XXXX is XXXX and at XXXX  is XXXX But my score at Experian is XXXX when credit reports are similar. This is difference of more then 100 points. No matter what Scoring model is used here difference is very big. 

XXXX XXXX XXXX XXXX XXXX 
XXXX, Ca - XXXX ( XXXX ) XXXX XXXX XX/XX/2017.

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 04-04-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A XXXX fake bill collector imposter? or someone called my relitives house threatening that they were serving papers to my house or my place of work claiming they were giving me a two hour window to respond threatening legal action ..and insinuating arrest and they didnot have permission to call my ex husbands house. The number is XXXX. My XXXX complaint is a bill collector Portfolio Recovery collection agency repetitive blow up my phone calls kinda business continues to call and harrass and I dont even owe them. I had to change my ph number XXXX to avoid there company dial calls. I ask them several times to stop and they wont. they claim that I am whomever there after and are very persistent about it and demanding ... Please make them stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with KEYCORP (DE).
Issue: Loan servicing, payments, escrow account

Complaint: KeyBank purchased my former mortgage holder, First Niagara Bank. On XX/XX/XXXX, I received a mortgage analysis from KeyBank advising that they needed to collect a sum for taxes and insurance that was four times the amount needed to satisfy the actual amounts. Clearly an error. I called on XX/XX/XXXX and was told I 'd receive a call back that never happened. On XX/XX/XXXX, my new mortgage statement arrived and still contained the erroneous data. I called the number on the statement and spoke to a very nice lady in XXXX, XXXX who was taking calls for KeyBank. She said she 'd have someone call me. Never got a call. On Thursday XX/XX/XXXX, I called KeyBank mortgage services and spoke to a person who said a supervisor would return my call by end of day. Never got a call. Bottom line ... my taxes and insurance total cost is about {$1100.00} for a year. The KeyBank statement shows that they want to collect {$3600.00} for the year. I ca n't get anyone at KeyBank to return a call, so I have no recourse but to try and get action in some other way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Equifax and XXXX XXXX XXXX at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted Equifax over and over to verify this is not my account and Equifax refuses to remove this account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Customer service / Customer relations

Complaint: I previously contacted Barclay Bank regarding inaccurate information listed on my credit report. In XXXX of 2014, I spoke with XXXX at extension XXXX. She informed me that I had a balance of {$200.00}, and that the balance could be settled for {$100.00}. I asked her for the full account number, and she informed me that it was XXXX. I informed her that this is not the account number that Barclay has listed on my credit report, which is XXXX. I called a couple of weeks later and spoke to a representative named XXXX. She informed me that the inaccurate account would be deleted from my credit report. It was not deleted, so I filed a complaint with the XXXX. I received a correspondence from XXXX with the office of the president who validated the account listed on my credit report. I filed another dispute with the consumer financial protection bureau, and XXXX again responded, stating that the account listed on my credit report was accurate and that they would not correct or delete the invalid account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I enrolled myself in the U.S. Bank S.T.A.R.T program on XX/XX/XXXX and met goals XXXX and XXXX by XX/XX/XXXX. They sent out a XXXX $ reward for meeting reward # 1 in a timely manner but upon meeting goal # 2 on XX/XX/XXXX they have not sent out the XXXX $ reward. 

As per the terms and conditions listed in the S.T.A.R.T program " : Reward ( s ) will be sent to the primary savings accountholder within 30 days of goal verification. " It says on my account and via confirmation over the phone and over email that I have indeed met the requirements. 
To quote an email " Thank you for writing to us about not receiving your S.T.A.R.T. Rewards Card. Goal XXXX was met on XX/XX/XXXX ; however, your mailing address was updated on XX/XX/XXXX. Please contact Fidelity Information Services, our S.T.A.R.T. Rewards VISA Card vendor, at XXXX for assistance. Once the dialed, press 1 for English and your card number will be requested. Please stay on the line for additional prompts, and once prompted, select 1 to report a lost or stolen card. For your convenience, specialists are available 24 hours a day, 7 days a week. 


Sincerely, XXXX XXXX. 
U.S. Bank Email Operations Department '' I have contacted Fidelity information services twice on my own and twice with a US Bank representative and have confirmed that no card has been mailed out to my current or former address. I have made multiple phone calls starting in XX/XX/XXXX/XX/XX/XXXX inquiring on where the rewards card was. US Bank confirmed that I have met the terms multiple times but will not issue me the rewards card. On one occasion the representative claimed I did not meet the requirements even though I have multiple confirmations that I did as well as lied to me saying there were no managers to talk to and I would have to leave a message and they would call me back. Upon hanging up and redialing I got a representative that again confirmed that I have met the goals and after talking to a manager confirmed that I do qualify but they need to escalate it internally to determine what to do. 

I have been run around for over the past month and I 'm tired of being bounced around between US bank and their visa rewards card issuer. The representatives have been mostly nice with one notable exception but have been unable to help me at all. This should of been an automatic process and US Bank is not holding up to their end of the program terms.

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 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: For Trans Union, I received PRE-APPROVED pappliations for XXXX credit cards. They then reported these as hard inquiries. I read that if you are pre-approved, it will NOT be reported as a hard inquiry. Please investigate this for me. XXXX cards were received and are active. 

On my XXXX report there are XXXX hard inquiries from XXXX within a 3 week period. I did not authorize XXXX these inquiries. Why would they need XXXX checks in 3 weeks, anyway? Also, I also was hard-checked by XXXX in conjunction with the XXXX account. They collaborate to install internet, phone and TV services. Also, I already had an account with XXXX. There was no need to do a hard check on an existing account. I just moved. In short, there were XXXX hard inquiries to open XXXX account. Please help me with this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with ARVEST BANK GROUP, INC. (AR).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I had an overdraft for a {$160.00} and paid it i am still getting mail from XXXX and others the amount was paid and cleared

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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquires ran without consent

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 09-01-2015 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Billing disputes

Complaint: Purchase made through paypal with paypal credit as credit card was fraudulent. Dispute initiated with Paypal. Outcome of dispute unclear. Case was decided against me apparently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with Penn Credit Corporation (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: At the time specified on Penn Credit Corp for collection of debt is inaccurate. I was not residing at this address at the time specified on the letter dated XX/XX/<YYYY> XXXX years later after the home is sold I receive a notification that it is outstanding and have only XXXX days to respond. I have since paid the balance to clear the issue but my credit score has fallen from near perfect to very poor/low. The entire process + notification is unreasonable, unfair and a wrongful practice which is unfair to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian has repeatedly released my credit report to XXXX XXXX. I have complained before ( Though CFPB ) and all they do is remove the inquiry. These are account review inquiries and I DO NOT HAVE AN XXXX XXXX ACCOUNT. That is clear from my credit report. I have opted out of marketing emails for LIFE and also have a security freeze on my account. There is no reason for them to release my report without my authorization to a company that I do not do business with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Credit card) with Allied Interstate LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.

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 09/22/2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My husband was issued an Amazon.com rewards visa from Chase bank that he had not requested. They would not give us any info on how the fraud was committed and were extremely reluctant to cancel the card. First I tried to call to cancel, but they said it had to be done by my husband. When he called, they refused to cancel it. They said it was now " under review '' and they would call him back later. First, why would n't they cancel it, second, if they wanted to conduct a review first, why could n't they tell me then ask for his info to call back to finalize. They wasted my husband 's time ( 25 min to get that answer ) and wo n't act on cancelling a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted to Transuion numerous times an collection account that is not mine that is reporting to my credit report and it keeps coming back verified. I am beyond frustrated at this point.

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 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (WY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Fraudulent charges were reported on my XXXX account. I took numerous efforts to resolve this with XXXX directly. I was told no debt was owed. I then was contacted numerous times by this collection agency after telling them that the account was in good standing. 

After resolving the issue with my own creditors, I contacted the FTC and the XXXX about the issue and made complaints on my behalf regarding the errant reporting done by XXXX as well as the collections agency. I received no calls from the collection agency after until today, XXXX XXXX, 2015, almost a year later. 

I explained again that XXXX errantly reported my account, that I have legal representation and am a part of many customers who were a victim of a class action lawsuit filed against XXXX. I told them that I can not be called during work hours, as it is not allowed for me to take personal calls, and that they should not be contacting me any further. I told them the XXXX time that if they wanted to contact me, they could speak with my lawyer, and they never have called him once to this day. I am still being harassed for no reason about money that XXXX told me I did not owe! Any efforts I made to reconcile the account, I was told I still owed money, even though the justification for the charges were errant ( such as being charged a contract termination fee, when I did not have a contract ), and when I had originally closed the account and talked to the representative, I was told I did not owe XXXX money. Then two months later the debt collection agency contacted me without any forewarning, letter, call or e-mail from XXXX saying I had money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: On the XXXX XXXX XXXX 2017 I made a payment of XXXX the coinbase.com REF : COINBASE XXXX XXXX XXXX from my XXXX Credit card. since then My account has been inoperable. Upon login it states 'Sorry, account temporarily disabled. Please contact support. '. 
Contacting support results in no reply, or when a rely is present it says, we are working on your request. I think after nearly two weeks they have had more than enough time to deal with re-enabling an account. 
All I want now is my money refunded, and to never have anything to do with these charlatans again. 
Although I am aware the are supposed to be one of the biggest XXXX exchanges in the US, I feel they do n't have the ability to to use a XXXX  pun organize a XXXXXXXX XXXX in a brewery. 
Apologies for my wording in the previous statement, but these people need to be dealt with, and there license to trade be removed, as they are a liability to anyone, and do n't seem to care either way. 
Yours Sincerely. 
XXXX XXXX.

Company response to consumer: Closed with explanation