milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The XXXX breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that XXXX and XXXX and Experian are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.

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 07/13/2015 about Debt collection (Medical) with HOVG, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harassment and stalking

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute with TransUnion regarding an unknown account appearing on my credit report. I recently received the results of TransUnion 's investigation stating that the account is still listed under " Adverse Accounts '' on my credit report. Today, I called the creditor, and they have no record of my social security number in their system. Obviously, this account does not belong to me, and yet TransUnion has failed to remove it from my report. Moreover, TransUnion states that this " Adverse Account '' will not be removed from my report for seven years! 

This is not the first problem I have experienced with TransUnion. TransUnion also made reporting errors against my social security number on two other occasions : ( 1 ) 6 years ago, TransUnion listed an unknown-to-me individual as an additional name on my report. That report included not only a name, but also a full address and at least 3 adverse accounts. I disputed the report, and the information was removed. I thought the matter was closed. 
( 2 XXXX Last fall, TransUnion again allowed an adverse account listing to be placed against me. This was due to the SAME unknown-to-me individual as in ( XXXX ). Because of that error, I began receiving robotcall from a collections agency. Since I have been flooded with so many other robotcalls coming to my phone, I initially thought it was a scam. 

As a result of error ( XXXX ), I pulled my credit report, and I discovered incorrect phone numbers and the same incorrect address from ( XXXX ) were again listed on my credit report, so I went to the police. They concluded that it was a clerical error, and they said that someone had transposed the middle two digits of another person 's SS #, causing the mixup. 

I have no idea why or how this latest " Adverse Account '' was opened, and the irony is that it was opened two days after I put a fraud alert on my credit. ( That obviously did not help. ) I am at a loss for why TransUnion has made so many mistakes and I do not understand why this latest investigation was labeled " complete '', when the creditor does not even have my social security number in their system. 

This is completely unacceptable. TransUnion appears to have no clear process of identifying errors such as these. Their clerical issues have adversely affected my productivity, and I have spent untold hours trying to get resolution. There is zero protection to the consumer. 

TransUnion 's most recent letter states that I " may add a XXXX statement '' to my report. This is unacceptable. The adverse account that does not belong to me should be removed. I have not received a fair resolution. 

Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid and the collection agency should have never reported it to the credit bureau. This debt originally came from  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 09-09-2017 about Mortgage (Other type of mortgage) with TOWNE MORTGAGE, LLC (PA).
Issue: Closing on a mortgage

Complaint: We were supposed to settle on a house four different times first in XXXX two different dates then it got pushed to XX/XX/XXXX then moved to thr XX/XX/XXXX. Then it all fell threw we paid out XXXX $ for an appraiser for this house an were never eligible for the house from the beginning because of the type of loan we have we ca n't have over 10 acres an it did. Our loan officer " did not know this ''. We have tried everything an to get this money back he said he could n't do that but there 's no reason for so because we were n't able from the beginning to get it. Amung many other things that happened an lies my finances an I were told by this man that was supposed to be looking out for us an getting us into a house but never did he packed the whole house along with XXXX kids an had to unpack now because it all fell threw. I need a phone call from someone immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2016 about Debt collection (Payday loan) with Financial Credit Service, Inc. (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company called ARA left a messages on my wife 's and I cell phones stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on and that they were going to contact my employer and the apartment complex manger where I live. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I paid her {$150.00} from my back account on XXXX XXXX. I asked for a receipt and never received one. Called XXXX back on XXXX XXXX. I had to leave a message. It is now XXXX XXXX and I have yet to receive a return call. I feel I have been scammed with threats. My wife and I have saved the phone messages.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have not received any correspondence from either XXXX or TransUnion during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.

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 05/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: This is about my student loan and here is my Navient information   XXXX   XXXX   Account #  XXXX  I am a  XXXX   XXXX  student and have been for the past  3+  years Last summer I noticed that Navient had put me down as starting repayments within a few months and took the appropriate steps to rectify this, including the school sending confirmation regarding my student status Now Navient send me an email stating that I am overdue on a payment and another  one  is due now!   They seem to be unable to rectify the mistake, despite my best efforts.   I have also written to their ombudsman and the contents of that email are bellow.   ================================================ The email : Dear ombudsman office, My account states that   I have an overdue payment and more coming.
I am a full-time student!!!!
I saw this mistake coming last summer and did all the necessary steps ( school sent verification ) to correct it.
So why now am I being billed?
Please look into this and correct it.
I am also sending this letter to CFPB T  hank you  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've contacted this company twice since XXXX to provide me with proof that this account is in fact mine, which it is not. They have not provided me any proof and they are reporting negative information on all XXXX of my credit reports.

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 02/24/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NJ).
Issue: Application, originator, mortgage broker

Complaint: My wife and I were denied access to information ( appraisal ) on a new home purchase, have not been able to obtain a copy of our appraisal for over 4.5 months. In addition we received critical disclosures late and were notified after closing our home with in a flood hazard.

Company response to consumer: Closed
Consumer complaint received 12/14/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter regarding a debt I do n't owe. I have been a victim of identity theft so I keep accurate records of my credit report and know exactly whats on my report. But I called the company DYNAMIC RECOVERY SOLUTIONS any way. The person on the phone said it was a debt from before 2003 and I have the burden of proof to provide them information that I do n't owe the debt. Then I received a letter from them saying the same thing. I have never had a XXXX credit card. I have only XXXX credit card. Their saying I have the burden of proof from something over 12 years ago is Preposterous even if I did have a card. I XXXX this company and they are trying to pull this scam all over the place and they need to be brought to justice. Someone needs to shut this place down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Trouble during payment process

Complaint: Specialized Loan Servicing is the lo an servicer for my mortgage. They sent me a paper notice that they had messed up my escrow balance in early  XXXX . Since then, I have received no follow-up mortgage statements, as I normally do, to pay my monthly loan balance. I tried to pay the balance online but no one can explain to me how/why I can not pay online. I have called and tried on several occasions to pay the monthly balance of my mortgage and I 'm concerned that they are trying to make me late on my payments and/or have inaccurately accounted for my loan.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I feel as if I was over charged and constantly harrased with letter and phone call from Navient. Why was my loan even sold to another company I 'm still so Unsure of that also? Then the late fee 's and interest are just way to high this is not what I started off with when I had XXXX. I am on fixed income ssi every month there is no way I can afford these interest rates they are NOW applying on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Advertising and marketing

Complaint: I APPLIED FOR ALLY CASH BACK VISA CREDIT CARD ON XX/XX/2016.THIS CARD ISSUED BY TD BANK NJ. THERE WAS PROMOTION FOR THIS CARD - {$100.00} BONUS AFTER {$500.00} PURCHASE IN FIRST 90 DAYS.I MADE PURCHASE MORE THAN {$500.00} IN FIRST 90 DAYS.BUT I DO NOT SEE THAT {$100.00} BONUS ON MY STATEMENT ISSUED BY THIS BANK ON XX/XX/2016.I DO NOT TRUST THIS BANK. I FULFILL ALL THE REQUIREMENT WITHIN TIME LIMIT. BUT THIS BANK DOES NOT WANT TO PAY ME BONUS. THE CUSTOMER SERVICE F BANK IN VERY POOR.THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with We Collect Inc (FL).
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 have been disputing this item since I became aware of it. There are numerous complaints I have made. 

This is regarding an apartment I sublet in XXXX Oregon from the XXXX XXXX  XXXX XXXX. I rented the apartment for two months. I paid a security deposit. I notified XXXX that my job had ended @ XX/XX/2014. XXXX informed me that it was ok. Rental demand for apartments in XXXX is high and they were able to rent the apartment. When I asked for the invoice to substantiate the claim I did not paid I was given the attached invoice which is for a period of time I was not resident. I have submitted copies of my bank statement which shows two withdrawals for {$700.00} each paid on XX/XX/XXXX, and XX/XX/2014. I have asked XXXX XXXX to research the money orders which typically I used to pay rent. I have sent the bank statement to XXXX XXXX who claims that the withdrawals do not prove that I paid. It doesn't prove that I did not. 

This dispute has been ongoing and frustrating that it is not corrected. No matter what I supply XXXX and XXXX XXXX still claim I didn't pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I was on the website XXXX. There was a link on that website for a {$200.00} Peoples United Bank checking promotion. I clicked on that link and opened a checking account. The requirements were : Have a direct deposit of at least {$100.00} within 60 days of opening the account and at least 10 debit card purchases of at least {$25.00} each post to the account within 60 days. I met those requirements in XX/XX/XXXX and the bonus was supposed to post in 90 days ( which it did not ). After contacting Peoples Bank numerous times and getting the run around, I was last told that I was not on their targeted list for this promotion which is why I did not receive the {$200.00}. The bonus language did not say anything about being on their targeted list. It was a link on XXXX with an offer of {$200.00} after meeting the terms and conditions. Please publish this complaint so others can come forward and perhaps file a class action lawsuit against the company for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (MA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: Wells Fargo seems to be engaging in unfair and deceptive practices. They [ lace property for public auction and quietly bid against member of the public thereby inflating the price that a member of the public would have to pay for any specific property. Wells Fargo should not be allowed to bid for properties they put out o the public for auction. I won a bid for a property in XXXX XXXX XXXX, XXXX, RI XXXX on 3 different occasions and was advised that I was the winning bidder and provide proof of resources ready to close the transaction. On each occasion, Wells Fargo declined the transaction and put the property back in the auction. When I inquired as to the reason why is process I occurring, I was advised that the delay in closing the first transaction was because they were investigating whether I have ties to any foreign organization. Subsequently on the third declination I inquired of XXXX as to the reason for this challenge and was advised that Wells Fargo authorized the auction company to bid on their behalf and on last occasion since I was the highest bidder and was denied the opportunity, I inquired again and was advised that Wells Fargo is allowed to do that and its their policy. This is a deceptive practice on the part of Wells Fargo. They should be compelled to disclose that they are a part of the bidding process. The same applies to XXXX XXXX, now XXXX XXXX as it relates to XXXX XXXX XXXX XXXX XXXX, MA. Any lender should be required to disclose that they are participating in the auction process or otherwise should not be able to participate.

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 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello ; I have been working diligently to improve my credit rating the last 2 years since I am one who likes to pay cash for everything cash. I realize in order to buy a home, I need open credit lines in good standing. I have opened a few credit accounts recently ( XXXX ) and have a spotless pay history with all of these accounts. My credit score has been reflecting a favorable number due to my positive efforts and managing my accounts. Just today, I get an alert from my XXXX XXXX XXXX XXXX letting me know of a change to my credit score and when I looked, there was suddenly some " XXXX '' company that popped up with a {$560.00} derogatory account ( out of nowhere ). I do not know who XXXX is and I do not have any delinquent or derogatory accounts with anyone in at least 7-8 years. How do I get this off my report? My score dropped XXXX points because of that fictitious entry on my bureau. VERY FRUSTRATING when you have done EVERYTHING right for 2 years and have made a serious effort to improve your rating only to have some XXXX company put some XXXX on your credit report. My credit score took a XXXX point hit and have n't done a thing to incur this. In fact, I make multiple payments monthly on all my accounts to gain a better rating and then this XXXX blind sides me today. Come on! PLEASE help. THANK YOU VERY MUCH!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a resident at The XXXX on XXXX XXXX XXXX in XXXX, XXXX XXXX from XXXX XXXX to XXXX XXXX. All rents were paid on time. I submitted my intent to vacate by certified USPS letter and my apartment was surrendered back to the care of management in the same shape it was when I commenced my tenancy. Despite this, management reported an {$86.00} debt to all credit bureaus. The XXXX XXXX management has thus far failed to produce any evidence supporting their claim. I sought the help of the MS Attorney General Office to resolve this, although The XXXX agreed to remove debt from credit report they have yet to do so. The MS Attorney General Office has advised me they can not assist further 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 01-10-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I made a withdrawal for the amount of XXXX from coinbase on the XX/XX/2017 and i still have n't received it XX/XX/2017 which is way past the date advised. i have tried to contact them via a support ticket and XXXX but they have failed to respond, its seems many people are having the same problem and i worry they may be struggling with liquidity problems.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: BEWARE CITIBANK! Three days before the loan closing I learned that Citibank had increased the interest rate on my refi loan without my knowledge or consent. The XXXX Loan Application, the Truth in Lending Disclosure Statement, Citibank 's letter locking in the rate, the Good Faith Estimate and many discussions and notes based on discussions with the loan officer specified 3.75 %. When the closing department phoned three days before it was to close, I learned that it had been increased to 3.875 %. My personal financial circumstances required me to go through with the loan. I am a single XXXX-year old homeowner woman. I doubt they expected me to know the cost of that very slight increase in interest rate would cost me over almost {$8000.00} over the 30 year loan period.

Company response to consumer: Closed with non-monetary relief