milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 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: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX, I filed a dispute with TransUnion regarding a federal tax lien being reported. Their system would not allow me to upload documentation, so I had to mail it in, which I also did on XX/XX/XXXX. OnXX/XX/XXXX at XXXX XXXX, I called TransUnion and spoke to XXXX informing him that I could n't upload my documentation, that I mailed it, and I requested that it be noted in my file so that a decision would not be made until they receive the documentation. Today,XX/XX/XXXX, I received the results of the investigation, which was " updated. '' I called TransUnion this evening only to speak to a young lady in which it was very difficult to understand what she was saying. She kept telling me that it was updated and correct. So the end result was that TransUnion made a decision on my dispute without my documentation. According to the XXXX XXXX XXXX XXXX ( XXXX ) rule of XX/XX/XXXX, " the CRA will remove any public record, judgements, and liens that do not have all the required information. '' My Notice of Tax Lien, dated XX/XX/XXXX from XXXX XXXX County Circuit Court.  displays a redacted Social Security Number and " no '' date of birth. Based on XXXX rules, I am disputing the federal tax lien that is reporting on my TransUnion report and request it be deleted accordingly.

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 12-09-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This business has been told numerous times to call and leave a message and I will call back as soon as possible and has been told numbers times to not call my place of work and has done so anyways and has caused me to be written up and I have now been threatened with losing my job because of their continued calls. They have also called family members pretending to be someone who has an emergency and is in need of getting in contact with me right away and sending them into a panic thinking there is a real emergency happening.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violaton not mine or no knowledge of it XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..

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 10/29/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian Credit Report : XXXX, I am unable to remove inquiries from my credit report. 
The XXXX and the Credit Bureau are both no removing my name and informationfrom the Creditor 's file. I want the inquiries to be removed and permanently stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: For the pass 2 years my wife and I have been applying to modify our loan with XXXX XXXX XXXX and Seterus. We were only 2 months behind in XXXX 2014 with XXXX XXXX XXXX and they would not except them because I was 2 weeks late on my third payment. That 's when I ask them for help with the mortgage. After filling out XXXX modification packages with no results, now they passed the loan service to Seterus. I 've filled out another loan modification package with them. We feel we 're getting the round a round again. We are sick of this abuse with these banks who we bailed out, now they think they are high an mighty that they can waste our time and tax dollars by giving us the run around and not help us. My wife is not able to work due to being hit by a car 7 years ago. She has a broken back and is still not able to work due lots of pain with movement. I was lay off from XXXX XXXX government job that I 've worked for 7 years. It has not been easy trying to find any job these days. That 's why we 've been asking for help with the modification of our home mortgage so far no help. The house is in foreclosure and my wife Social Security Check pays a lawyer to keep us in the house. We do n't know what else to do. We have income coming in with the side jobs I do here and there, my pension check and my dad who is living with us due to being ill helps us every month with his pension and social security every month. Is there anybody out there that can help us with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I had a Home Mortgage with Washington Mutual. Later on it was taken over by Chase.Due to severe financial hardships and my bad health condition, as also that of my wife, I had stopped payment from XXXX XXXX. At that time my Unpaid Balance was {$400000.00} and my monthly Mortgage Payment was {$3100.00}. I applied for a HAMP Loan Modification and made XXXX TPPs of {$2200.00} ( Total {$35000.00} ) each but the Modification was rejected. Again I reapplied and made XXXX TPPs of {$1900.00} each ( Total = {$7600.00} ). Thankfully after XXXX TPPs, I got a permanent Modification in XXXX XXXX. If I add up the XXXX unpaid installments of {$3100.00} ( Total {$110000.00} ) to the UPB of {$400000.00} and deduct the XXXX TPPs ( {$42000.00} ), the Balance comes to $ XXXX.However, in the Modification Agreement, they are showing a Balance of {$490000.00}, which is {$18000.00} more. The Legal Charges, if any, would not be $ XXXX. My feeling is they have not applied all my TPPs to the Loan Balance or there is some serious mistake somewhere. I am attaching all the said documents for your perusal.

Company response to consumer: Closed
Consumer complaint received 05-03-2017 about Checking or savings account (Other banking product or service) with UMB BANK, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: My HSA account with UMB Bank was closed at my request as a HSA Direct Transfer Request on  XXXX   XXXX ,  2017 . {$22000.00}  (  along with an account closing fee of {$15.00}  )  was debited from my HSA account on  XXXX   XXXX ,    2017 to close the account.     As of today,  XXXX   XXXX ,  2017 , this check with {$22000.00} has not been received from  UMB  Bank by my new  XXXX  provider,  XXXX   XXXX   XXXX .     I called  UMB   XXXX   XXXX  today  (   XXXX   XXXX ,  2017  ) for a status on this check. I was informed by the service representative that this check was mailed out on  XXXX   XXXX ,  2017 .     How come it took UMB Bank 8 days to mail a check for funds which was debited from my  HSA  account on  XXXX   XXXX ,  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 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Why I am filing a complaint against  Wells Fargo.    I applied for  one of  their  XXXX   XXXX  credit cards because It offered {$150.00} reward if I applied, got accepted and made {$1000.00} in purchases during the first 3 months. I made {$1000.00} in purchases during the first month. I called  Wells Fargo  about getting my rebate and they gave me the run around. Then they tried to tell me the promo was for only {$100.00}. I have made a dozen calls and complained. I have also complained with their  executive appeals office. However, during my first 3 months with this credit card, Wells Fargo increase their offer to {$200.00} ( with the same requirements ). I am filing a complaint because Fargo  has not been ethical and honest with me at all and have never responded to my dozen or so calls to fix their 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 non-monetary relief
Consumer complaint received 05-05-2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: This complaint is filed against the US Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX and Customer Services Representative XXXX XXXX ( XXXX ) XXXX for transpassing my credit report file information obtaining a " hard '' credit inquire without my permission. 
On XXXX XXXX, 2015, I met XXXX XXXX XXXX at his bank branch located at XXXX XXXX XXXX, XXXX XXXX for banking issues. 
On XXXX XXXX, XXXX the US Bank sent me a letter Ref. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX stating my application for credit is denied. I immediately, visited the bank branch location and requested to remove the HARD INQUIRE from XXXX because I NEVER applied for a " credit line ''. 
On XXXX XXXX, 2015 I mailed the same request via us regular mail, but as of Today, no RESPONSE was received by the US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: When my loan payment was setup for autopay from my bank account there was a mistake on my part and I listed a checking account that I normally do n't use and my bank rejected the payment because there were no funds in the account that they tried to debit. When I received my loan statement for the following month I noticed the error and past due amount and made a branch payment for the past due amount. The lender had contacted the salesman that I purchased the car from to have him contact me to get a payment status. When the salesman contacted me I asked why they were contacting him and not me directly and I explicitly told the salesman that I did not want him communicating with the lender on my behalf that I would contact them directly. I called the lender the following day and the representative I talked to demanded to know why my payment was XXXX days past due. She threatened me that my loan was under review and they they were going to stop servicing my loan. She also informed me that they had contacted the dealership and all XXXX contacts that they made me list on my loan application regarding the past due balance on my loan. I informed her that the only person that I have authorized to discuss my loan with was myself and that they did not have authorization to contact the dealer or any contact on my loan application regarding my loan. She countered that they do in fact have the legal right to contact anyone they wanted to in regards to status of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was leaked by the Equifax hack which is information that will affect me forever, however, they have no solution to protect my credit reports. The only thing they offer is to protect it for a year after which I have to pay them for the service -- essentially, they are charging me to protect my data that they leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent this company a letter dated XX/XX/2018. Pursuant to the FCRA and FDCPA, I requested this company to provide me validation documents and listed everything that is required for this alleged debt to be validated I asked for the following information from them : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Debt collector license number in my state. 

In return I received a letter from them ( see attached ) that did NOT include any of the asked for information and billing statements saying this debt is valid. 

That is NOT validation. I would like them to remove this collection from all three credit reports because I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, Transunion and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XXXX all the way up til XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax data breach that happened last month, I am being impacted as part of that & I want to report it. 
I have followed the steps suggested on their website to check whether I & my family members are affected & we are. 
I also enrolled for the protection services they have recommended. 
But the credit freeze service which they are providing are having high charges, I believe these should be made available for free, that is the main concern.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CA).
Issue: Trouble during payment process

Complaint: My partner and I invested into this property. When my partner decided he no longer had interest in the property, the deed was transferred to my wife XXXX XXXX. Following a divorce and bankruptcy, the grant deed was then transferred to myself ( attached are supporting documents from the court ). I was making the payments to XXXX XXXX XXXX, but once the loan was transferred to XXXX my payments started being rejected. When calling in and speaking to a representative, I am told I am not on the loan and can not make the payments. Even after supplying them with the proof from court and grant deed showing me on title, they refused to take my payments. Now I am facing foreclosure due to my documents being mistreated and not review properly. Then after hiring an attorney, I found out that my loan was then transferred from XXXX to Fay Servicing to which I have received absolutely no notices to the property address. Additionally, a Notice of Trustee Sale was posted yesterday XXXX/XXXX/XXXX for a sale of XXXX XXXX, XXXX. That is not even 22 days away required by law that I am to be notified. This whole situation has gone from bad to worse and I need help from whomever I can at this point so I do not lose my property.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Credit card) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have a certified letter to them to not contact me before XXXX They still contact me and now are contacting me at work, via email. Also they sent me an email, which I have that says " per our conversation the other day '' here is ... I did n't have a conversation with them, I just called them on it and XXXX people XXXX and XXXX admitted to use this letter in order for me to contact them. My bill is n't even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2018, I withdrew XXXX BTC from XXXX and transferred this amount to GDAX- owned by Coinbase . I still have not received my BTC. There is NO response from support, even though I have sent 3 emails asking for help. I have transferred coins and fiat for many months between exchanges around the world. The longest time it has taken has been 4 hours. GDAX states it will take 24 hours- it has now taken almost 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Last month I received a Atm card from this bank with no explanation. They told me my account has been compromised and the person took all the money in my account. I provided the branch a police report when my identity got stolen last year they assured me that I would get my money back. I reported them before and the president office never returned my calls. They are giving me the runaround. They do n't care or value me as a customer they are very unprofessional and not sincere. They had very difficult time inputting everything in the system that the bank manager had to process the request. I never got my replacement card or my funds back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX   XXXX   I was out of town and friend of mine got a ticket in  XXXX  for improperly parking my car. He forgot to pay it so it went to debt collections. The company is Professional Account Management,  LLC  in  XXXX . He said he eventually paid the {$72.00} debt but lost the receipt information. I paid the debt because he could not find the payment and neither could they. It was paid on   XXXX   @  XXXX  for citation #  XXXX  according to the receipt I got in email from  XXXX  XXXX  XXXX . A month later I got another letter stating I still had a debt that needed to be paid. I called them and  XXXX  of the  XXXX  agents said that I needed to send a letter and the copy of the receipt to them and they would work on figuring it out. I sent them a letter sometime in  XXXX . I got a letter in the mail from them ONCE AGAIN basically saying thanks for notifying us but you still owe us money. I have reported them to the  XXX  but I 'm taking this all the way to the top. Either they have shady business practices or their  XXXX  Agents are stealing money from the company. I am not the only person with this issue. I looked at their  XXXX  page and it says they have " A+ '' rating but there was a complaint similar to mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan for {$1000.00} from Big Picture Loans on XX/XX/XXXX. I was told my first payment would be {$350.00} and my payments would go down after that. I had no idea the interest rate was so high, and after paying {$700.00} to this company, I sent an email to Big picture loans on XX/XX/XXXX stating that I was facing financial difficulties and would like to work out a more affordable payment plan. I never received a response, and when I attempted to reach them via phone, I was only put on hold and no one answered my call, despite their claim that they 're available 24/7. Because I could not contact them, I stopped payment on the next {$350.00} withdrawal and again attempted to contact them via phone, to no avail. On XX/XX/XXXX, I sent them another email stating that I had missed my previous payment due to financial hardship, and that I wanted to work out a payment plan and had paid {$700.00} already, but again, no response save for an automated email which directed me to call if I had n't heard back from them. Again, could not get a real person. I realize that this is a debt I owe, but I feel I was misled regarding the payment amounts and am frustrated with the lack of ability to communicate with this company. I am also unable to look at anything regarding my account online because it is past due, so I ca n't view the disclosures at all. This company is predatory and unreliable.

Company response to consumer: Closed with explanation