milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion. refuses to remove previously deleted itms from my credit report. XXXX XXXX and XXXX remain in the negative accounts portion of my credit report. depite numerious attempts to dispute the inaccracies and chapter XXXX bankruptcy proof provided to trans union. transunion has refused to place ginnys and XXXX XXXX in closed accounts. Transunion also refuses to to place student loans ( US department of education, XXXX, and XXXX in accounts in good standing. defferment and/or forberrance documentation was submitted in numerious dispute attempts previously.

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 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently paid down XXXX of my credit cards to reduce my utilization. Transunion has not updated any of the accounts. I checked with the creditors who are advising that they send the information over to all of the bureaus. Transunion has also allowed a collection company GC services to update a collection account XXXX times within two weeks. The update now includes an incorrect amount. These are strategy 's by Transunion to keep my score low. I also disputed a tax collection account in the amount of {$80.00} the investigation was due to be completed XXXX XXXX 2017. When i logged in the check the status of the investigation I discovered that the dipute was no longer active. I had to start a new dispute on the item. The item has been paid and was the mortgage companys responsibility. The actions of Transunion has caused me financial harm.

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 09/29/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the process of foreclosure with Citimortgage. I filed a complaint with CFPB on XXXX/XXXX/15 because my lock was glued shut. Citimortgage replied, but did not fully address my concerns. They denied gluing my lock shut and wrote : " You acknowledged and advised that no further assistance was required. '' Their statement is simply NOT TRUE. I NEVER said that no further assistance was required. My house is scheduled to be sold at auction on XXXX XXXX and my lock is still glued shut. My fence is still screwed shut. I have NO ACCESS to my house. The notice posted on the door told me to call XXXX, which is Citibank 's number. If Citibank did n't do it, then who did it? Are they asking me to believe that someone else came to my house, glued my lock shut and left a note to call Citibank in case of questions? There are still XXXX pieces of furniture inside the house, as well as my appliances. I want Citibank to either install a new lock and allow me access to my house or reimburse me {$1000.00} for the appliances that I am not able to get out of the house. If they do not install a new lock, I want Citibank to agree in writing that the house no longer needs to be in " broom swept condition '' for the {$5000.00} cash for keys offer to apply, since I can not go inside to sweep it and remove the last XXXX pieces of furniture as I had planned to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: sent police report and idtheft protection cra violation inaccurate 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 non-monetary relief
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I made a wire transfer to Coinbase on XX/XX/XXXX, and they said it was declined due to a name mismatch, and that they will be returning this wire back to my bank within 7 business days. After 7 business days, I sent them an email, and they stated that they were dealing with higher than average requests time, and that they needed more information about the wire ( reference #, XXXX #, full name, etc. ). I quickly reply to that email providing all the information necessary. This was onXX/XX/XXXX 

On XX/XX/XXXX, they replied stating that they recently experienced delays with wires due to high volume and the additional manual processing that they require, and that all delayed wires from their backlog have been processed ; and that I should receive my funds within the next 2 business days. 

I sent them another email on XX/XX/XXXX about the status of my wire, and I have yet to receive a response. I have only been receiving automated responses, and it is now almost XXXX. This is ridiculous. WHERE IS MY MONEY? 

Case ID : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 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: Account status incorrect

Complaint: My XXXX installment loan is reflecting as open with a balance on my Trans Union credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with Trans Union however, twice now they have come back and said that XXXX is confirming that the loan is open with a balance. I have attached a paid in full letter from XXXX confirming the installment loan is paid off which is a contradiction to what Trans Union is saying.

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 08/23/2017 about Debt collection (Private student loan debt) with National Enterprise Systems, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a credit monitoring alert on XXXX XXXX, XXXX which indicated that there was a new debt collection on my credit report. I retrieved the contact information of the company and contacted them immediately. When I told them I had n't received anything in the mail the representative told me that information was sent to address that she indicated she knew was an old address from XXXX. When I asked about receiving a call about the debt the representative claimed that they had my current phone number and they attempted to call me but there was no answer. She claimed this call was attempted on XXXX XXXX, XXXX which was 13 days after the company supposedly inherited the debt according to their records. I checked with my cell phone carrier after going through the call log on my phone and there was no call from this company, or any foreign number in my call records for that day. The representative asked me to update my address, however, I declined because I know they have it if they have my current phone number which is a number I have had for the last two years. When I asked the representative why they did not update my address the same way they updated my phone number, she told me that the company does not change the address that the original creditor provides. Which to me makes no sense.

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 09-09-2017 about Debt collection (Other debt) with AQUA FINANCE, INC. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Account was opened in XXXX XXXX with XXXX XXXX for {$2700.00}, and was paid as promised. The account was sold to Aqua Finance in XXXX XXXX for {$3200.00}, which was the wrong amount. I have called company repeatedly to fix amount and they refuse. They have yet to send me an itemized bill stating the charges. I have n't paid since XXXX XXXX, and it has been in collection since then, but the amount seems to keep going up and I have not borrowed any more money from them. The account now stands at {$5400.00} as of XXXX XXXX, XXXX. I have not been informed of any new bills, they have n't contacted me. This is the wrong amount.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: On XXXX XXXX I went to my bank to initiate a {$6000.00} USD wire transfer to coinbase. They are an online cryptocurrency exchange. They promised that it would be processed and credited to my account in one business day. 

It is now XXXX XXXX and my account has not been credited by coinbase. I have called numerous times in the past weeks and their customer support is a joke. They can not help you with anything, only escalate your case to a 'specialist ' which in return sends you an automated e-mail. You can only contact this 'specialist ' by e-mail, but when you attempt to, they never respond to you. 

My money is in limbo and I can not do anything. I can not get an answer for why my money has not been credited and where it is, I am told to simply wait. I have been waiting for now approaching close to 1 month. 

They also are continuously accepting new bank wires even though they acknowledge they have a massive amount of backlogged wires from XXXX. 

My Case ID is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

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 05/20/2015 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We bought our home XXXX years ago however have made significant improvements. Based on our estimated new value, we suspect we would have hit 80 % LTV ratio on our mortgage. We submitted a request to our mortgage lender to cancel our PMI. They explained the process to use which included an appraisal at our cost and gave us the final number the appraisal would need to come in at to cancel the PMI. We signed this letter and awaited the scheduling of the appraisal from the bank. The bank then called and told us since we hit two years on our mortgage since the request, we now had a new standard of 75 % LTV ratio which now significantly increases the value we need to get on the appraisal. I ca n't find anywhere that this is normal or legal and it directly contradicts the information they gave me just weeks ago. Do I have any recourse in this situation? The bank is Everbank. We are on time for all our payments. This seems completely unfair that they can change this because now paying {$420.00} for the appraisal is a much bigger risk if we can not get the new appraisal value which they quoted us by phone ( about an XXXX increase from what they originally told us in the paperwork we signed requesting the PMI cancellation ). Also, how will I even know if I can cancel PMI if they keep changing the LTV standard???

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Consumer Loan (Installment loan) with Holloway Credit Solutions (FL).
Issue: Managing the loan or lease

Complaint: Was contacted by Holloway Credit Solutions on XX/XX/2017 and told I had outstanding balances with XXXX medical offices and that multiple letters have been sent to me. I have received no letters and requested that the rep on the phone ( XXXX XXXX ) send me something in writing detailing what I owed and that I would take care of it. XXXX XXXX refused to send me ANYTHING in writing and demanded that I take care of the bills on that call with no proof of what I actually owed. I demanded his supervisor name and to speak with her ( He listed XXXX XXXX as a supervisor ) and he refused to give me access to a supervisor or manager of any kind.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Name XXXX XXXX is incorrect. Capital one account I 've never had accredit card. The spring associates amount is incorrect I 've disputed and called their office. Insurance paid all but my portion which was {$500.00} of which I paid {$350.00}. His office has had many complaints to about over or double billing insurance companies

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint is acting in bad faith regarding a real estate transaction and in violation CA Homeowner Bill of Rights by denying borrower their legal right to short sale and illegally inflating the value of borrower 's property while disregarding known issues about unpermitted construction on property. Shellpoint has been advised about unpermitted additions done on this property yet they are refusing to acknowledge these facts and allot for the monies needed to correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon searching whether this company is licensed to collect a debt in Louisiana and they are not. They are listing XXXX collections on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Closing/Cancelling account

Complaint: I reached out to several secure credit card companies to build my credit in XXXX 2016. I made clear that the reason is to build my credit prior to filing bankruptcy in XXXX. All XXXX companies took my deposit and allowed me to make payments and began to build my credit but closed my accounts once I filed. They did not inform me prior to accepting my deposit of this practice of closing my accounts if I file for bankruptcy. I feel scammed because the purpose of starting the cards prior to filing is to be able to show positive credit history prior to filing bankruptcy. My hard earned money used for my deposit and all my on time payment history is gone with even informing me that the accounts were close. I was told when I called to make a payment or use the card. The companies are Discover IT, XXXX, XXXX XXXX. I feel they should have made me aware of this policy prior to accepting my payments and I could have used a company that would allow me to keep the accounts after filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: I told the customer service employee representative and I have been a VICTIM of their inquiry issue. I listed my inquiries that I would like to be deleted, and their customer service at Transunion would not help and take care of the negative inquiries reporting to your credit report. My inquiries are ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 05-12-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a dispute requesting verification of a debt that is being reported by XXXX XXXX XXXX ( XXXX ) for account XXXX XXXX. I requested a debt validation from XXXX and was summarily ignored. I then attempted to contact the original creditor to have the debt validated and was told that they no longer had ownership of the debt. I, again, requested debt validation from XXXX and my request, again, went unanswered. I then filed a dispute with Equifax on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates report and amount owed. The results of the " investigation '' was forwarded to me XXXX/XXXX/2015 and, according to Equifax , the account had been verified. I immediately contacted Equifax by phone and requested documentation showing how the debt was verified as, I had yet to receive any documentation whatsoever after repeatedly asking. Moreover, I explained at great length that the only changes that were made in lieu of my dispute were made by the original creditor to reflect what was being reported by the collection agency. ( see attached ) This change was made despite the fact that the original creditor denied having any documentation pertaining to the account in question because it had been sold. In closing, I would like to point out that the apathetic response I received from Equifax following my dispute, their failure to provide me with necessary/requested documentation, and their complete disregard for the questionable changes made to my credit file following my dispute, is indicative that they never attempted to conduct a " reasonable investigation ''. Needless to say, I would like to be provided with copies of all documentation verifying the debt that Equifax found sufficient. If unable to provide the documentation, I want the derogatory listing deleted from my credit file. Lastly, It is also my hope that the CFPB will take a long, hard look at the way Equifax does business.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for Experian and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. Experian has not readjusted my credit score from when the account was reported on my Experian credit report, which the day before the fraudulent account was placed on my credit report, my Experian score was XXXX. After the fraudulent account was placed on my Experian credit report, my score dropped XXXX points. Experian has removed the fraudulent account, but my score still remains at XXXX. 3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER, XXXX adjusted my credit score with them based on Experian and XXXX reporting a 'new  collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither XXXX, Experian or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.

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 12-10-2017 about Debt collection (Other debt) with ERC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided. 

Good thing I keep snapshots of everything. I check my reports regualary also. 

attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation