milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Transunion via phone call in XXXX XXXX, 2017 to have them remove INACCURATE information that was reporting from 3 companies, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, and inaccurate addresses and phone numbers also. The customer service rep I spoke with was very nice and pleasant, and went through each line on my credit report. She said she was making the changes as we spoke, and that I would received an updated/corrected credit report within 30 days. I was ecstatic, as I have been trying for so long going back and forth via mail and online disputes to get this corrected, so when the customer service rep informed me that it would be taken care of, I was happy she was able to assist me, as I am going through the home buying process as a first time home buyer and the inaccurate information was bringing down my credit score. well, today, I received a credit report from transunion, and could not believe that NOTHING was done. The report states that the accounts were verified, and all the inaccurate addresses and phone numbers the customer service rep and I went through were still there! very upsetting. I am requesting that these items be deleted from my credit report asap, and my address and phone numbers be updated. I appreciate your assistance very much.

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 04-04-2016 about Credit reporting () with Innovis (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Innovis is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. Innovis staff went so far as to say they ignore proof submitted by consumers. I submitted proof to Innovis in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Innovis confirmed receiving. The complaint to Innovis and XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Innovis, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Innovis then ignored this documented evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Innovis XXXX/XXXX/XXXX report update. Innovis failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Innovis on the matter, the Innovis phone staff member confirmed that Innovis is using an electronic " update '' from XXXX XXXX verification and ignored documented evidence from me that they confirmed receiving. This Innovis phone staff member went on to say that they were very familiar with the FCRA and they ( Innovis ) did n't care what I sent them because they would only report what came to them directly from XXXX. I believe this is a violation of the FCRA because the " update '' Innovis received from Navient does not contain any documentary evidence that Innovis nor XXXX has or can provide to me, and their " update '' is a month beyond the FRCA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute. This is a very good example of how the FCRA is being openly violated by CRAs. What is the point of allowing disputes to CRAs if they will ignore documented proof submitted by consumers and continue to publish non-proof " updates '' from creditors?

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (IL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I started this dispute with paypal in XXXX XXXX. I sent this to the SEC and they referred me to you.I think PayPal is ignoring me because they failed in their, Fiduciary duties of protecting my money, and not sending me proper disclosure. In XXXX of this Year, I sold a coin on XXXX. PayPal collected my money. About 3 days later I got an email from PayPal saying that they were going to give the money back to the buyer, even though the buyer receive the coin he bought. An obvious scam!!! I called PayPal to ask how they had the authority to do that without my permission. They said they sent me emails telling me that if I did n't do certain things they were going to give the money back. I said I never received any such email and asked them to prove to me that they sent the emails and prove that I got them. I have been trying to contact PayPal by phone and by 3 certified letters over the last few months, the Last one was to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I asked them to contact me to get this matter settled, I have received absolutely no response, I 've sent to their corporate offices in XXXX XXXX California. I think PayPal knows their wrong and think 's I will go away. I recently saw an article indicating that a class action suit was being brought against PayPal for the exact same reason as my case. I can send you copies of all my correspondence if you wish. I would think that a gigantic corporation would try to treat their customer like they meant something to them. Paypal is the Ocean and I am just a piece of sand. Well this piece of Sand Served in the XXXX XXXX XXXX where I learned to fight back. Maybe you can explained to me why I 'm bein ignored. Please Help Me

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Charges made on XX/XX/2018 in the amounts of {$1400.00} and {$1400.00} initiated by XXXX. Transactions were marked as fraud as XX/XX/2018 followed by a call to Capital One to request a new card and discuss further actions. Charges were pending until XX/XX/2018 when they were posted to account. Another call was made to Capital One and was told charges should be taken off the account in 72 hours. The amount of credit will be frozen on credit line for up to 90 days as Capital One  investigates. 
XXXX is not a company I had heard of prior to this experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2016 about Student loan (Non-federal student loan) with Loan Science, LLC (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Two collection agencies by the name of Loan Science and XXXX has been continually harassing me by phone. It started on XX/XX/2016 with calls from a company by the name of XXXX - XXXX. They have called 1x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX. Then on XX/XX/XXXX I started receiving calls from Loan Science. They called 1x XX/XX/XXXX with phone XXXX ; 3x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 2x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX. They are looking for a person by the name of XXXX. Both of these companies are looking for the same person. I explained to their representative " I do not know of this person or have I ever heard of a person by this name, and that I am listed on the XXXX and also my State of Indiana Do Not Call List ''. The representative then hung up on me. They continue to change their phone number with each call so it is hard to monitor who is calling. They should not be allowed to harass people on the Do Not Call lists who have no knowledge of a debt that is owed by someone that they have no knowledge of. They should be held accountable for violating the National and State Do Not Call Lists. I myself, have never had a student loan in my life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: There was a charge from XXXX for XXXX $ that I did not authorize. I disputed the charge with in minutes of the transaction, but American express did not research the transaction and awarded the company my money, even though it was against my will. 6 months later they have refused to address the issue, and now that it 6 months later, they refuse to re investigate it. I have contacted them every month, if not more to keep up with the charge. Every time they promise to contact dispute resolution, and have the issue rectified. Every time I call back, they say the previous action did not occur. They have aided this unauthorized charge.And at this point, I consider it aiding in theft. Every time I call I 'm on the phone for more than an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: We traded in our Leased Car. XXXX Honda said they will pay our Mileage fee, they said bring them the bill once I receive it and they will cover it. My wife brought them the bill and they said they will take care of it. The bill was for {$190.00}. A few days ago I started receiving several calls from Honda saying we owe {$190.00}. We called the dealership they claimed they handled it. Today my credit was hit with a late payment for the {$190.00}. Being a former debt collector, their collection team practices abusive collection practices. I was call 5 times in 10 minutes by their company. I have attached a copy of the missed calls from there collection department. I am demanding that they delete the negative mark on my credit as we never missed a payment and paid the lease off 2 months early. XXXX Honda was responsible for paying the {$190.00} mileage fee as per our contract when we purchased a new vehicle from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification and validation of debt and this company will not provide. I do not believe that this agency is licensed and bonded to collect in my state and that this debt is over XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a payoff from my mortgage lender ( Chase ), after XXXX days they provided the payoff but it indicated the per diem interest date of XX/XX/2015. The XX/XX/2015 payment was made on XX/XX/2015. In an attempt to refinance the loan and because of this the new lender requested a payment history because the XX/XX/2015 implies that the XX/XX/2015 payment had not been made. When I contacted chase they affirmed the XX/XX/2015 payment was made but that the XX/XX/2015 date was correct. A search of the internet indicates the industry standard is that the lender uses your requested payoff date to calculate per diem interest you woe in the time period from your latest monthly payment until the payoff date. In addition, I requested a XXXX month history of payments on XX/XX/2015. I was told that I must have not made a full payment because there was a suspense balance that was not a full payment. I disputed this and advised all payments were made and any suspense funds were payments made by the trustee in my XXXX. I was told that if I paid XXXX they would process the payment that day, and the next day move the suspense balance over to a full payment and send me a new payoff statement indicating an interest due date of XX/XX/2015. The following day I was called by CHase and told they are working on it but because of my complaint to CFPB they would not be able to provide a response as previously stated. They advised they would contact me on the XXXX for a status update. On XX/XX/2015, I received a payoff statement with the same XX/XX/2015 date and have not received the XXXX month history as requested. Because of this I am unable to refinance my loan ( VA streamline ) to a lower interest rate and save over XXXX per month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MI).
Issue: Taking out the loan or lease

Complaint: I have been the Victim of fraudulent activity. There is an unauthorized installment loan in my name from Wells Fargo that i 've contested for almost 3 years now. I have been forced to make payments on a loan i did n't sign for or take out, in order to preserve my credit. Now that Wells Fargo has been officially caught with this act of opening accounts in people 's name, i 'm looking for full restitution of the amount i 've paid and the installment loan removed from my credit 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
Consumer complaint received 03/16/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Problems when you are unable to pay

Complaint: on XXXX I was contacted at XXXX on XXXX I was called not once, not twice not even three times but 5 times after 2 messages were left on the same day not even 2 minutes apart both a minute long. I have been in constant contact with this company to advise them I was part of a settlement program and the lady very rudely told me she had no idea what I was talking about. I have been with this company since XXXX and have been in constant contact. My husband will be leaving for XXXX soon and my mother will be going through her XXXX after battling XXXX. this has been a rough 8 months and I have kept them informed every step of the way so for them to harass and call me and not have anything notated of what is going on is absurd and frustrating disheartening. We turned the car in on XXXX/XXXX/XXXX at XXXX I informed them of that. we do not have another car and we were told the payoff was sent on XXXX/XXXX/XXXX. I can not control the situation but it does not give them the right to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I had recently applied for a mortgage loan and was denied. I was troubled by the results because I had recently hired XXXX XXXX to help me in repairing my credit score. After getting denied I asked to view my credit report. So online I viewed it and noticed some disturbing information. Experian has had a lot of errors that has affected my credit for a long time. 
In the personal summary, the XXXX main problems are as follows : The social security number is completely wrong. As well as the names listed. However, I do know the person that is listed on my report. It clearly states that the name on it is XXXX XXXX who indeed is my son and it is also his SSN on my report. 
Which means they are looking at his history and not minds. Also I wondered why was my application for numerous things always being denied and yet it never hit me til now. Because I know my credit should n't be at a poor status even the other credit monitoring companies have a differential in score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Capital One accessed my XXXX credit report without my consent : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: XXXX, XXXX and Experian credit reporting agencies. I co-signed for a loan in XX/XX/XXXX. for XXXX XXXX The car repossessed in XX/XX/XXXX I contacted XXXX and made an agreement with them to make one large settlement payment of which I did. They agreed to report to the agencies that the account was settled on my end of the loan and they have done so in which they have several times. I have written to all 3 bureaus numerous times with copies showing that I settled the account. It is removed from my report and when my credit report is pulled it pops back up showing I am behind payments and still owe over $ 7K ... XXXX has been very helpful and has sent it to all 3 credit bureaus numerous times since XX/XX/XXXX. My scores are in the XXXX 's because they keep reporting I am behind more than 90 days and still owe XXXX, I am at a loss as to what to do. I can not get to them to remove this this mistake off of my credit bureau. I have been trying for almost 3 years. I have attached the letters from XXXX showing I do not owe them anything. Please please 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 non-monetary relief
Consumer complaint received 06-06-2015 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (DC).
Issue: Application, originator, mortgage broker

Complaint: I am filing this complaint because, through absolutely no fault of my own, I lost out on a chance to refinance my mortgage on the terms I agreed to when I applied for the loan two months ago. The process was progressing smoothly until the appraisal. 

When the appraiser came to my home, he hostilely challenged the representation in my loan application that my property is a " single family '' dwelling. He insisted it was not. His position was that it is a " XXXX unit income '' property and, as such, he was owed a higher fee for doing the appraisal. I objected. 

Two days later, I provided the appraiser, as well as the lender, real estate records showing that the District of Columbia classifies my property as a single family dwelling. I asked to be provided something similarly official or authoritative that substantiates the appraiser 's contrary view. I was met with silence. 

My loan stalled for more than two weeks, because the appraiser was demanding additional money to submit his report. The lender was seemingly incapable of figuring out how to break the impasse. For weeks, I was repeatedly told ( upon inquiry ) that the matter would be clarified " tomorrow, '' but tomorrow never came. When I finally did hear from the lender, I was informed that another appraisal would have to be arranged, but there was now no time to close on the loan before the expiration of the rate " lock in. '' I was further advised that, in order to move forward with the loan, I would have to pay a special fee to the lender. I refused.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I was approved for a Capital One XXXX credit card with intro 0 % APR on purchases and balance transfers XXXX/XXXX/XXXX. On the offer received in the " Our Balance Transfer Service : Your Questions Answered '' it states, " You can request a balance transfer after you 've been approved and have received your card. You can then call our customer service department or sign in to your account. '' After meeting the requirements of being approved and receiving my card ( required to set up online account ) I attempted to set up a balance transfer but was advised online that I am not eligible for any offers for 11 days after account opening. I contacted the customer service number and was advised this is company policy and ca n't be waived even after reading back the information provided on the marketing received which lead to me signing up for this card. I spoke with XXXX and her supervisor XXXX, ( ID XXXX ) on XXXX/XXXX/XXXX and was advised there is no way to waive this company policy and allow me to process a balance transfer in accordance with the information provided on the offer received.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!

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