milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The computer glitch that Transunion had caused my inquiries to be deleted. Transunion later added them all back on my credit report without giving me the legal required wriiten notice five days prior to them re-adding. I have contact transunion in good faith on 2 separate occasions to ask them to delete the inquiries that they have illegally re-added but they have not done so. They told me I have to wait until they dropped off and the were unable to help me with this matter. These inquiries add an hardship and my rights were violated by transunion. I am asking and pleading for your help to have transunion to stop victimizing me. As a a resolution may all of my transunion inquiries be permanently removed from my report as a violation that took place when they were illegally added.

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 05/31/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX XXXX, XXXX, I was declared permanently XXXX XXXX XXXX XXXX XXXX of XXXX, and medically-mandated to stop working permanently. This meant I would no longer receive a paycheck, thus could no longer afford financial obligations I could afford while working. I contacted my creditors, including XXXX XXXX. I advised XXXX that with I must Voluntarily Surrender my vehicle. With no salary, I could no longer continue my approximately $ XXXX auto payments. I carefully and diplomatically arranged a time and place to return the vehicle, and had it Voluntarily Surrendered at a designated XXXX dealership. Not until XXXX XXXX, XXXX, when I tried to rent an apartment, did I learn that XXXX XXXX had reported this Voluntary Surrender as something else - a Repossession - to XXXX, Experian and XXXX. I called XXXX XXXX and was told by an agent that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. This inaccurate reporting by XXXX of a " Repo '' of the XXXX XXXX violates The Fair Credit Reporting Act. ( Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). Firstly, they are not the same in any circumstance. I had no ill intent, and most strongly, I had no choice, as XXXX and the inability to work were not my choices. I believe XXXX 's irresponsible wording may amount to XXXX Discrimination, as were the harassing phone calls, " It 's not XXXX 's fault you 're sick! '' and XXXX 's law suit against me. Because of this misreporting, my credit score dropped from its usual XXXX to a ( last-heard ) XXXX. I subsist on XXXX XXXX income, which is protected from garnishment. I have been unable to rent an apartment and have been homeless since XXXX XXXX, XXXX. I have no documents available to me to attach, as my belongings are in storage. I would invite XXXX to show any evidence whatsoever of a " Repo ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Application, originator, mortgage broker

Complaint: chase bank refused to do a refi -- I ask them to transfer the appraisal to another bank -- -said it was not their policy to do so -- can they be forced to transfer?

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XXXX/XXXX/17at approx. XXXX XXXX I received a messaged from a man stating he would be at my house within the hour. And if I was not there, he would show up at my place of business until he found me. I call the number back that he provided, XXXX and was told it was in reference an old credit card bill that I owed. I made a {$50.00} payment. The company ID 'd themselves as ICR. After I paid the bill I received calls from two relatives letting me know they received the same message between XXXX and XXXX stating that a man would be showing up at my residence. I call the XXXX  number back and asked to speak to a manager. I was transferred to a male who ID 'd himself as XXXX, Director of Operations. I told him my name and the phone calls I received and my relatives received. He became belligerent and insulted me. I wanted to know if it was general practice to tell a single mother that there would be a man showing up at her house within an hour with documents. He laughed at me. This is very upsetting and frightening to me that a man can threaten to show up at my house in the evening and when I tell the company he represents about it, I am laughed at. I kept the original message, as did my relatives

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 04/23/2015 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls from " Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: After I lost my foreclosure, I was shocked to learn that XXXX was actually the owner of the note. They purchased my home at a Sheriff 's sale. During the course of the appeal, I tried to get in contact with them, to let them know that as a surviving spouse I was never even given the loss mitigation package which is supposed to be standard. I was actually not given any information about this loan, because I did n't sign it. They emailed back and forth with me, and finally said they were going to do additional research, because they did n't have any record of my account/house/mortgage. That was in XX/XX/XXXX and I never heard back from them. So, yesterday, the sale was confirmed. I just wasted another {$7000.00} in legal fees, I guess. If nothing else, I ca n't understand why they wo n't just open a line of communication and tell me what their plans are, so I can stop worrying about their " property preservation '' goons. Those people leave these tags on my door, which have instructions to call a number, but they wo n't call me back. When I did get an answer, last year, it was Nationstar, and they refused to even speak to me. ( because I 'm a surviving spouse. ) It 's so frustrating. Why do they have to be so rude? And do everything in such a rotten, scary way? I do n't want to come home to a padlocked house, and have my things all torn apart. I 'm seriously worried about that now. What 's going to happen? This has been 8 years of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I am using Coinbase for digital currency which is US based in XXXX XXXX. I created a vault option they allow to make it more secure. In order to create a vault, you have to add a secondary email so when you withdraw, an email is sent to your primary and secondary email to approve. I got an email stating my vault was created correctly under my main email XXXX and my secondary email of XXXX My ETH vault displays my secondary email as XXXX This is not my secondary email. I emailed 5 times sinceXX/XX/XXXX tilXX/XX/XXXX. I called twice to coinbase support and got the same response. " My case has been escalated to a specialist. '' I advised the support center person that I need access to my currency. I even told the support person that one of the emails from your support team suggested that they can move my coins/tokens from my ETH vault to my ETH wallet so I can have access to my own currency. I have all email proofs and need help resolving this asap. Each time I call them, they have me wait for 30+ minutes before a support person gets on the line and sometimes they dont even answer during business hours.

CASE # XXXX XXXX XXXX  XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MO).
Issue: Problems caused by my funds being low

Complaint: My joint checking account with Wells Fargo was overdrawn and I made a transfer from XXXX account to another which posted to my joint account on XX/XX/XXXX. They charged me XXXX overdraft fee of {$35.00} each for XXXX transactions stating that they overdrafted on XX/XX/XXXX. However, using my online banking account and looking at my joint checking account it shows that all XXXX transactions in question did not post to my account until XX/XX/XXXX which is the same day that my deposit posted and my deposit is posted immediately because it was just transferred from my husbands account into our joint checking account with the same bank. Put they want to tell me that XXXX checks and an electronic payment posted on XX/XX/XXXX and my online account detail show they posted on XX/XX/XXXX. Here is the proof directly copied from my online banking account detail XX/XX/2016 ONLINE TRANSFER FROM XXXX CHECKING XXXX REF # XXXX ON XX/XX/2016 {$1500.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$100.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$140.00} XXXX RETRY PYMT XXXX XXXX XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$50.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 XXXX XXXX PYMT XXXX XXXX {$140.00} Collapse XX/XX/2016 CHECK # XXXX image {$100.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written Collapse XX/XX/2016 CHECK # XXXX image {$50.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written And now where on my online account does it even show any transactions of XXXX. The next transaction that shows on my account was on XX/XX/XXXX. And the notification they send via online banking in which I can not copy states that the above transactions were paid on XX/XX/XXXX, if they had been paid on XX/XX/XXXX then they would 've posted to my account on XX/XX/XXXX as they always have before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our mother had a reverse mortgage with Reverse Mortgage Solutions. My brother and I were told we had 6 months to sell and repay. If we showed good faith an additional 6 months would be given to us. We followed the rules, kept in touch sent in required docs etc. Our mother passed away XXXX, On XXXX we received notifications from the mortgage company that a Default for Foreclosure was recorded with XXXX XXXX. We have sold the house XXXX and it is currently in escrow ( pending ). We feel the Default was not necessary and it should be never have been recorded! We are hoping they do not try anything before the escrow closes! Can you help us? Can XXXX help us? We are also asking our XXXX XXXX for help also!

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Re : XXXX XXXX XXXX XXXX XXXX # XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above account XXXX XXXX XXXX XXXX XXXX. With a balance of XXXX. Past due I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,

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 09-06-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ARS Account Resolution, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Three unauthorized credit inquiries for medical bills in the amount of {$340.00}, {$290.00}, and {$970.00}. XXXX XXXX. XXXX XXXX is using my social security number to advance funding and conceal fraud with my medical bill from my XXXX on XXXX, mortgage and income tax fraud with XXXX for property address XXXX XXXX XXXX, XXXX, VA XXXX, knowledge of IRS Valuation XXXX forms that were sent to the IRS, check fraud payments with XXXX that has resulted in a {$170.00} million class action suit revenue that is due from the IRS, fraud of phone bills payment with XXXX XXXX, and forgery and fraud with XXXX and XXXX XXXX XXXX, and knowledge of XXXX letter that was sent on XX/XX/XXXX, fraud with XXXX, and release of information from the City of XXXX XXXX XXXX Department. I am imposing a {$560000.00} denied participation fee for this entity. 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 06-06-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NV).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: my son attended XXXX in wyoming and ended up with XXXX in student loans with XXXX and XXXX from XXXX and XXXX from XXXX .He XXXX in 2014 and applied for jobs with reputable companies and when they asked what education he had and his response was XXXX XXXX they said they could not hire him. I feel they inflated the tuition so he could not qualify for a full federal loan and sent him to genesis who sold the loas to UAS ( university accounting services ) and balboa .we made payments while he was in school but stopped payments when we heard about this scam. He also was contacted be a company called XXXX but i think this may be a scam because he tried calling them and sending emails but they dont ansewr he paid them XXXX. right not i dont know what to do, i got injured at work in 2014 and have been in and out of XXXX since then and am on workers comp and only make XXXX % of what i would normally make please i need help.my email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Submitted dispute with Trasunion XX/XX/XXXX regarding XXXX XXXX XXXX. 
Investigation or responses never done within 30 days.

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 12-08-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, Navient is using a collection agency called XXXX XXXX to collect the debt. XXXX XXXX sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted Navient, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to XXXX XXXX I asked the representative, XXXX XXXX" to request a letter from Navient confirming the proposed debt settlement. The XXXX Interstate representative stated "Navient will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by XXXX ( XXXX ) that I was delinquent on some payments. I contacted and paid them what they requested. There was an issue with some paperwork or processing and they sent it to collections Transworld Systems Inc. ( TSI ). When TSI notified me that they now held my account I called XXXX to verify. They apologized and said they would take care of it and that my account with them would still be active. To avoid any further problems I paid my account balance off with them. ( {$5000.00} ). I have the email chain from XXXX, have received confirmation that I am in good standing with them. Fast forward three weeks following payment I get a bill from TSI for XXXX. There is a disconnect somewhere, however not between TSI and my credit report. I 've sent them all documents they have asked and they still will not remove me from there collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Money transfers (International money transfer) with RIA FINANCIAL (PA).
Issue: Other transaction issues

Complaint: My name is XXXX and I have been doing transactions for many years now through XXXX ; XXXX and YESTERDAY TRIED RIA MONEY TRANSFER AND WAS CANCLED LAST NIGHT AT XXXX.. I did not have any problems up until last week. I am surprised I ca n't send money to a family friend that needs and I have been able to do transactions in the past and suddenly ca n't do any now and need your help to lift my name and clear it out of this mess. I have confidence in this person and know him very well so he is not a stranger. The main issue here is all these transfer companies have been cancelling my transaction .Please have these companies lift the ban of American 's sending money overseas because I have family and relatives including friends that need my support and it is not fair shutting down favors and besides I think it 's an infringement to your fundamental human right which they should n't allow. I might have to take legal action against your Consumer Financial Protection Bureau. This ban is not only affecting me but lots of Americans that do money transfers and are not able to help their families and friends to send for special occasions money overseas as well. It is not just me having the problem ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I entered the 5th 3rd XXXX in XXXX, IN on XXXX/XXXX/XXXX to open a checking account and have some refunds from XXXX XXXX deposited into the new checking. The teller got me to banker who started off friendly and took my social security number and driver 's license. I told her I was trying to get {$11000.00} in XXXX XXXX refunds deposited into this new account. After that she was not friendly at all and became hostile towards the end of our conversation. She told me she would not open an account and did not provide any reasoning. I would like a written reason why I 'm being denied a checking account. I confirmed she did n't even run a XXXX inquiry. I believe she was trying to avoid compliance paperwork since the transaction would have been over {$10000.00}. 

While speaking with the banker she asked me why XXXX closed my 5th 3rd credit card on XXXX/XXXX/XXXX. I told her I did n't know that the letter just said business decision. Since I 'm entitled by the law to know why the account was closed I would also like a letter stating exactly why I was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter Warfield was hired by XXXX a property management company and is trying to collect rent from I lease of an apartment I had to move out of because it flooded and there was mold left in the apartment after the repairs. I have several e-mails where the management is apologizing for the constant alarms in the middle of the night due to defective fire sprinkler systems. For two months I had to stay in hotels and on my return I found the apartment was not properly repaired. I made several attempts to have the mold removed but the repairs were not done. I was forced to move out leaving three months on the lease and they refuse to take it off my credit report now costing me more in interest rates for loans. I have photo 's of the flood as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Never advised me of repayment plans. Multiple loans for the same account or school attended. Confusing and contradicting information regarding school loans.

Company response to consumer: Closed with non-monetary relief