milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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 disputed an account named XXXX XXXX in the amount of {$110.00} with transunion as I have no contract with this company. They did not extend any credit to me. I have no dealings with them but yet they continue to report this inaccurate and unverified account. I want documents showing that they have in their files showing this belongs to me under the FCRA 15 U.S.C 1681g. If this can not be verified by this credit reporting agency it must be promptly removed under the FCRA 15 U.S.C 1681i. This is the law

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 05-06-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our home and the mortgage was paid off through XXXX XXXX XXXX on XXXX/XXXX/16. Several weeks later I was contacted via phone by Round Point Mortgage saying I owed them an additional {$400.00}, that the pay off had been short. I contacted the title company and they requested something in writing to show the shorted amount so it could be paid. Round point would only tell them to wire the money to the same place as the rest of the pay off but would not submit any proof of the shortage. Both myself and the title company have made multiple attempts to get speak with the mortgage company. Usually being on hold for near an hour at a time. They will not send me my escrow balance. Per the attached documents you can see the the loan was paid in full. My escrow account has a balance of {$1600.00} and a month after the loan was paid they are trying to take money from my escrow balance to pay principal and interest in the month of XXXX when there is no loan to pay on. I am seeking help in getting the full balance of my impound account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Macy's/American Express card was compromised. I called company of fraud charges on XXXX/XXXX/2016. The fraud activity that took place in XXXX and XXXX. I have not been to either of those XXXX states and had my card in my possession. The card company stated they would send me a document for dispute that I needed to complete & send back to them via mail only. I completed the form and sent it on XXXX/XXXX/2016. I checked XX/XX/XXXX & they claim to not have received it so I sent another statement of fraud on XXXX/XXXX/2016 via certified mail. I have proof that they received the statement of fraud on XXXX/XXXX/16 but I have not received a letter acknowledging they received my dispute, and they have not solved my case that keeps accumulating finance charges.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XXXX of XXXX, I was considering applying for a HELOC through my BofA. I spoke to an agent and discussed some options - HELOC vs a refi wth cash out. He stated he needed to verify my information before he could submit an application. He asked about my income and expenses and marital status (?? ), then he explained there is not enough equity in my home to do a refi - I owed XXXX, then it was worth XXXX, then he said I did not have enough equity in the home to do a HELOC. I kinda got the impression he was racially profiling me as a XXXX XXXX XXXX XXXX I earn about XXXX annually and have good credit. He said he would double check and call me back. I never heard anything else from XXXX or BofA. In XXXX XXXX I remodeled my kitchen and decided to try to apply for a HELOC, When I pulled my credit report, I saw the hard inquiry from XXXX. I never authorized credit inquiry, never started an application and the agent I spoke to never submitted XXXX or even called me back. I have tried to have this inquiry removed because I did not authorize it.

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 04/19/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: APR or interest rate

Complaint: I applied and received a credit card from USAA with a 0.0 % APR for balance transfers. After I was approved, I found out that balance transfers would be at 12.9 % APR. The day after I applied and was approved, I went online, and all mention of the promotion on the USAA website was gone. I called and asked them to look into what happened. On XXXX XXXX, USAA send a letter ( attached ) and said that they found the problem, and that they would now apply the 0.0 % APR to my balance transfers. However, because of the problem, I did n't make any balance transfers because I did n't want to pay the 12.9 %. The promotion ended in XXXX 2015, and now USAA says that I can not transfer any balances and receive the 0.0 APR. They said that regulations prevent them from honoring the original agreement and that I should have transferred the balance before the offer expired. All I want is to transfer the balance of another card and get the 0.0 % APR they offered when I applied for the card. I have banked with USAA for many years, and they have been an excellent organization until this incident. I have discussed the problem with XXXX levels of their customer service, and they have been sympathetic, but unwilling to honor the original agreement. 

If I had been able to transfer the money when I received the card, I would have saved about {$500.00} in interest that I could have used to pay down my balance ( which was the sole reason I for applying for the card ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2016 about Consumer Loan (Installment loan) with Marlette Funding, LLC (LA).
Issue: Shopping for a loan or lease

Complaint: I received a loan offer from Best Egg ... I was only interested due to the No origination fee offer ... I completed the application process and then noticed the disclosure of a XXXX charge for a origination fee..I called the XXXX service center in XXXX XXXX and was told..sorry we cant help you ... I then spoke to the supervisor on duty who offered no explanation. I feel that this is very deceptive.practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I AM UNABLE TO OBATIN MY EQUIFAX CREDIT FILE OR SCORE. 
PREVIOUSLY I WAS ABLE TO PULL MY REPORT UP UNTIL XX/XX/XXXX THEN ON XX/XX/XXXX I TRYED REQUESTING MY FILE TROUGH XXXX AND I WAS ADVISED BY BOTH XXXX AND EQUIFAX THAT MY FILE IS MISSING MY SOCIAL SECURITY NUMBER AND FOR THAT REASON I AM UNABLE TO OBTAIN MY REPORT! 

I SPOKE TO THEM SEVERAL TIMES. 
EQUIFAX HAS BEEN GIVING ME THE RUNAROUND THE HAVE BEEN RUDE UNPROFESSIONAL AND UNCOMFORTABLE. I WAS ADVISED BY GLOBAL EQUIFAX ON XX/XX/XXXX THAT THIS ISSUE WAS FIXED AND I WAS NOW ABLE TO OBTAIN MY REPORT TODAY XX/XX/XXXX I TRYED AGAIN AND NO LUCK THEY DID NOT FIXED THIS ISSUE. I CALLED AGAIN XX/XX/XXXX AT XXXX AND NOW THERE TELLING ME THAT MY FILE STILL HAS NOT HAVE MY SOCIAL ATACHED

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: Virtual Currency ( BTC ) was sold for US Dollars ( USD ) using XXXX/Coinbase. Two separate bank wires for {$10000.00} ( USD ) each were requested ( 1. XX/XX/XXXX at XXXX PDT Reference #  XXXX 2. XX/XX/XXXX at XXXX PDT Reference # XXXX ) from XXXX/Coinbase to XXXX XXXX XXXX . Wires were supposed to arrive within 1 business day. Wires have still yet to arrive. Contacted Coinbase and submitted a ticket on XX/XX/XXXX ( XXXX # : XXXX ). Received no response until I again emailed them regarding the ticket on XX/XX/XXXX. Received Response on XX/XX/XXXX saying everything should be resolved now. Neither the wires have been received nor has my XXXX/Coinbase account been refunded. Problem is still not resolved. Tried to contact XXXX/Coinbase again on XX/XX/XXXX. Have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient has refused to work with my repayment, even those they requested an offer to settle, which I did. They immediately sent it to a collection agency. I have requested multiple written requested to work with the company and each time they continue to say that I must contact them via phone. I have request that ALL INFORMATION AND REQUEST BE IN WRITING ONLY. They have continuously refused to cooperate with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  X/2016  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.

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 06-06-2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is in reference to Case number : XXXX. I have been monitoring when my mortgage statements arrive, and find they arrive, for the following month, prior to the XXXX of the current month. According to TD 's response stating payments made can be credited at their discretion, they are evidently running a scam operation here. If the prior month has been paid, they can at any point prior to the first of the next month, they can direct it to the end of the loan. How can they send a bill you are unable to pay on its arrival for fear of disaster? 
In addition, I suggest requesting the phone records at TD which will show we addressed the issue immediately! and they failed to act. We have been borrowing from our future to get by and to restore our credit over the last nearly 2 yrs. We have put countless hours into this. Ridiculous that the bank ruined us financially and shrugs it off. Nothing in our contract gives them that right. 
Yes, it has taken a long time to address this ; in part because we now spend our lives trying to get by and continue work back to where we were prior to TD Bank 's error. 
In addition, if they are going to continue their insistence it was not an error, again, the phone records and emails will suggest otherwise. And if it was not an " error '', then why did every one of the at least XXXX people we spoke with address it as such? Do they allow false information to be passed to consumers? Or do they train personnel to respond falsely? Do they not monitor these things? 
For our sake and more so the sake of those yet to come, these practices need investigation and resolution! Our health, our financial stability and our future have been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I can find right place to post this. Your web site needs work. I tried to look under resources and tools could not open. Please try your own web site. I want to send this to the people i know, most know nothing about this agency. 
I have alwways been in trouble with collection agencies becaue of medical bills. I pay what i can but it is never enough. I had a CPA tell me they cant charge interest on medical bills. " I said alot you dont know, about how this works. I have been in trouble with a XXXX bill or a XXXX bill all get interest and inpossible to get off. Interest should not be charged. Insane, couldnt afford the bill in the first place, sometimes they are co pays, others they are things my insurance ( at the time ) wouldnt cover. Please this is nuts. Stopr interest on medical bills. ( because it is the right thing to do!!! ) This has caused medical bankrupcies, and is still a problem for year and years. ( becasue my daughter is very ill and now i am old, fiexed income and cant fit them. Ant they dont have to send you a bill, they just put it on there. Crazy.

Change a rule about interest. and fix your web site, I woudl be courious to know what is in the tools.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: I 've spent 4 hours trying to freeze my credit with Trans union. There 's not a free way to do it with them anymore. The representative on the phone told me to call back and enter my credit card information into their automated system in order to manage my credit. I 'm so infuriated since freezing my credit with them is impossible since equifax poorly handled my most private information. I do n't know what to do about 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 04-11-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX/17 TD Bank , N.A . fraud department put an alert on my checking account. On XX/XX/XXXX/17, I was informed the account was open and not closed. On XX/XX/XXXX/17 I transferred monies into the account to pay XXXX ( XXXX XXXX ) rent. T.D. Bank N.A. returned the ACH debit and XXXX filed XXXX XXXX. TD Bank N.A . failed to provide correct/timely information and failed to pay an approved ACH debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2016 about Consumer Loan (Installment loan) with Glennon Law Firm, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: Glennon Law Firm LLC was hired by XXXX XXXX to collect on a debt that they claim that I owe, when contacting them they wont answer the phone, send me to voice mail, then they will answer the phone and not say nothing and hang up. When speaking to them they wont answer any questions, they refer me to contact eagle finance, then when i call eagle finance im told to call glennon law firm.its noting but a bunch of run around hassle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Closing on a mortgage

Complaint: I was layed-off of my job XX/XX/XXXX and XXXX foreclosed on my first mortgage XX/XX/XXXX. I filed for Chapter XXXX BK on XXXX/XXXX/XXXX. 

The XXXX foreclosure was illegal, and had to be rescinded XX/XX/XXXX. About 3 years into the bankruptcy, my account was transferred to Seterus for servicing. I completed my Chapter XXXX BK plan and received my discharge on XX/XX/XXXX and the BK case was closed on XX/XX/XXXX. 

During the bankruptcy, all 60 mortgage/property tax payments were made on time and in full with Cashier 's Checks that were sent by priority mail with tracking. So I have documented that every single payment was sent and received in full and on time. Seterus agreed on XX/XX/XXXX that I was totally current in their Final Cure response. The BK Judge agreed that I was in full compliance and there should be no fees or late charges - and I got my discharge. 

Since the bankruptcy case, I have sent and documented and tracked all of the 22 payments I have made right up to XX/XX/XXXX. So, I have documented that the last 82 payments were made in full by Cashier 's Checks and received on time for my first mortgage - full contractual compliance. 

There can be no late charges or any other fees, and all I owe is the remaining principal. 

I am now selling my house, and I am in Escrow. I called and tried to get a payoff statement from Seterus, and they told me that they must review my bankruptcy file - and it could take as long as 6 months! 

Escrow is now talking to them, and twice Seterus said they would send the payoff statement to Escrow, but did not do it. For some reason, they are really dragging their feet, and this could obviously put my home sale in jeopardy and cause me great damage.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 dispute these Items in the month  XXXX  TransUnion did not compile with the State  Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], cl early and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont res pond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of  investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required  by subsection ( a ) ( 1 ),  make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: According to my most recent credit reports,  XXXX  has reported    XXXX    student loans (   XXXX   federal,   XXXX   private ) as receiving late payments. This is inaccurate.
According to my reports from all   XXXX   credit reporting agencies, I had two pay  ments 90 days late i n  XX/XX/XXXX .  According to the  XXXX  service rep and my account history, this reporting was caused by the system marking me 90-days late as of   XX/XX/XXXX this d  a te is less than six weeks from my leave from  XXXX   XXXX  University, and marking me again as 90 days late on   XX/XX/XXXX t  his  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  XXXX   XXXX  University in   XX/XX/XXXX .      These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my   XXXX    history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to  XXXX  on   XX/XX/XXXX .   XXXX  responded that they had investigated and confirmed the accuracy of the report.

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