milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: On XX/XX/XXXX I submitted a legitimate dispute to Transunion in reference to three accounts that are being reported incorrectly as well as three unauthorized inquiries.and an inaccurate address that Transunion reports on my current credit file.
The three incorrect accounts, three unauthorized inquiries and inaccurate address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Transunion claimed they disputed this information and updated with a completion date of XX/XX/XXXX. There is no way this was an adequate investigation.They have yet to send any proof of how they conducted their investigation. Transunion is continuing to falsely report inaccurate and incorrect information on my credit file which is causing me unnecessary stress, not to mention tarnishing my credit report. I have documentation where these three accounts have been updated to a current status by the creditor on current previous Transunion credit reports. I also have documentation where the creditor has sent correspondence to Transunion to correct the status to " Current ''. Clearly this is a violation of the FCRA to report false incorrect information on a consumers credit file. Also Transunion continues to report unauthorized inquiries on my credit file. I did not authorize these inquiries and the companies did not have permissible purpose and they are not factual. These need to be deleted because no one has sent me any applications bearing my signature.

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 04/28/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Using a debit or ATM card

Complaint: TCF Bank denied a valid Charge Back because of customer benefit. I tried to return the product back to XXXX XXXX XXXX three times. Two by email one by certified mail restricted delivery. The certified mail was unclaimed and mailed back to me. Under visa regulation E under chargeback Management guidelines for merchants. reason code XXXX : not as described or defective merchandise. I 'm only required to make a valid attempt to return per visa regulations. XXXX example is " an example of a valid attempt to return may be to request that the merchant retrieve the goods at the merchant 's own expense. Please see attached visa regulations. Two times on XX/XX/2016 I requested per email that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. '' On XXXX XXXX, 2016 I requested per certified mail return receipt that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. The mail was unclaimed and returned back to me. I followed visa regulations and fact is TFC wrongfully denied my claim. I 'm legally entitled to a full refund per visa regulation E guidelines that TCF bank is supposed to follow and simply does not. If this issue is not resolved here I will separately file The Claim Notice for Arbitration I do know my rights and they were wrongfully denied here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Two months ago, Flagstar ( dba XXXX ) sent me a letter telling me that my second mortgage was due and payable, that it was a balloon payment, ( I was not aware that there was a balloon payment due ) when I got this loan they told me that it was interest only, but that I would be paying down the principal. In ten years I have paid the principal down XXXX, they are now telling me that the loan balance is XXXX, the original was XXXX. I have talked to them countless times, they now tell me that I have until XXXX XXXX, 2015 to pay the balance or they will foreclose on my property. I am XXXX years of age and do not have XXXX to pay them, when I asked about the hamp program they said they would send me the papers for it, ( I talked to XXXX people who said they would send them, they did not. ) Last week I spoke with another lady who did send the papers, but told me that the loan would be going back to Flagstar on XXXX XXXX, 2015. After paying over XXXX on this loan they should be willing to negotiate a settlement, but I can not speak to a person who handles this. I do need some help here. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Fraud or scam

Complaint: Coinbase took {$2500.00} deposit that was made to purchase electronic currency. After they cleared the withdrawal from my bank they locked my account and have kept the funds. It has been over 6 months and they have not given me my {$2500.00} usd or the equivalent in electronic currency.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I applied for the XXXX XXXX credit card offered when I was making a reservation at a XXXX XXXX. The offer promised a {$50.00} credit on my statement and XXXX XXXX XXXX points provided I used the card to charge {$750.00} in the first three months after it was approved. The card was approved on XX/XX/XXXX. I put {$760.00} in charges on the card by XX/XX/XXXX ( which is the net after a credit of XXXX ) and I have paid all the bills on time. 

I am attaching screen shots of the offer, a copy of the approval e-mail, and a record of the charges I applied to the card. 

The credit and XXXX points should have been available to me within 6-8 weeks, but they did not show up. I called American Express on XX/XX/XXXX and they opened a case to review my request. I contacted them after two full weeks and was told it was still not reviewed. I contacted them today via an online chat session and was told the case is still open and it could take up to 2 billing cycles. 

I think their responsiveness given the promises made in the online offer is terrible. There is no direct feedback provided by them. I have to contact them whenever I want more information and so far all they can tell me is that it is still under review. 

I think the circumstances show pretty clearly that I lived up to the terms of their offer, but they have not fulfilled the offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Consumer Collection Management. Inc (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom it may concern : Consumer Collection Management lists on my credit report me owing to XXXX XXXX. I own XXXX XXXX nothing. When I asked for proof of debt this winter they sent me nothing showing that I owed XXXX XXXX anything. Since the information they are reporting is false I would like it removed from my credit report asap. I have included my request for debt validation, what they submitted and my response pointing out that they did not submit anything showing that I owed XXXX XXXX XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX  Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX TXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TXXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX   Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Cards/Airlines XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX   XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX Experian XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it.

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Taking out the loan or lease

Complaint: Had a title loan with Wilshire/WestLake financial paid down the intereste over 5 years. We were told we could now pay down only the principle 19 %, instead of the 98 % prior. 

After we made one payment in XX/XX/2016, on the principle, they wou not answer their phones and months later said they did not make that deal with us and said we had a ballon payment of {$1900.00} or they would repossess the car.. They did repossess the car, and we had to rent one throughout XX/XX/2016 Costing us over {$1000.00}. The car is still in reposession and has not been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (DE).
Issue: Loan modification,collection,foreclosure

Complaint: This is additional information to my complaint already submitted and this is pertinent information. I just set up 2 mortgage payments with Select Portfolio Servicing Company and was asked if I wanted to pay something towards the over {$600.00} fees. I was shocked and looked at my statement and advised XXXX ( rep ) that I see something on my statement that says " other charges and fees '' {$370.00}. I asked her what that charge was for and she said I was looking at XXXX statement and fees are now over {$600.00}. ( I ca n't remember exact amount. XXXX advised that each time someone does a drive by to check if my house is occupied, there is a fee. She stated if a home inspection was done, there is also a fee. I was shocked to think over {$300.00} is charged for something like this. First of all, NO home inspection was done. I have XXXX big dogs and people do n't come near my house, nor did I set up a " home inspection. '' Second of all, there is no reason for this company to think this property is n't occupied considering all of the correspondence between us. Someone please check into the fees I 'm being charged as I do NOT agree with this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX XXXX, I discovered that someone had stolen my identity and opened various accounts. XXXX of these was a XXXX credit card. After finding out, I immediately called XXXX to report the fraud. They closed the account and issued me a letter acknowledging that the account was fraudulent and discharging any responsibility I might have for it. Around XXXX XXXX I received a letter from Midland Funding LLC attempting to collect this debt. I immediately called Midland and explained the situation. They told me that the collection would be removed from my account. I have talked to them three times since then and they are still attempting to collect a debt that does n't exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Shopping for a loan or lease

Complaint: I have XXXX hard hit inquiries on my XXXX Credit report by Ally Financial that I do n't recall requesting credit from them.

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 03/22/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with Equidata, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I checked my credit report and notice that Equidata is reporting XXXX tradelines, I never received any notification from them to dispute the debt. I sent a letter to them in reference to them not sending me an early warning notice with a right to dispute and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Other mortgage) with Financial Freedom Mortgage, LLC (NJ).
Issue: Application, originator, mortgage broker

Complaint: I am being continuously called by a company called, " Financial Freedom Mortgage ''. I have never applied for anything on line, NOR have I asked for help paying bills. When I called them today, the woman was telling me that I HAD TO HAVE FILLED SOMETHING OUT on line. I called back and asked for the manager, and the woman XXXX, who answered the call, said she WAS the manager. I asked her how they got my number, she said I filled something out and supplied it to them. I told her someone must have supplied the wrong number and I told them TO STOP CALLING ME. I am on the " do not call registry '', so they should not be contacting me. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Closing/Cancelling account

Complaint: I called Chase Bank to close out a credit card account. When the phone agent was talking about next steps, he said that my account is closed against new purchases and he advised that I call any merchants with reoccuring charges so that I do n't miss payments. That was all good. Then he said that there may be some merchants that have an authorization code who could charge my card in the future. I explained that I wanted my account completely closed, and that any charges should be rejected. They said that it was closed, but still there is this potential that a merchant can charge against it and I would be liable based upon my agreement with the merchant. I was quite surprised that Chase/VISA would get involved with a XXXX party agreement. I said that I wanted my account closed like a bank account and that any charges presented against the account would be rejected. They said that was not possible. That it was highly unlikely, but a possibility that there is some agreement that would allow future authorizations against this card. And that MAYBE in a few months with a XXXX balance, closed account and no charges they would purge this from their systems. This is crazy-talk. 

So, my complaint is that I should be able to CLOSE a credit card account and have it be closed, like a bank account and that the credit card company should not stop me from severing my relationship with them. I 'm just not that into them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Deposits and withdrawals

Complaint: Bank levy appeared on my BUSINESS banking account for my exact posted balance plus {$120.00} on XXXX/XXXX/2016. Then the following day, the bank levy adjusted to {$44000.00} on XXXX/XXXX/2016. I spoke to BB and T representative XXXX in person at XXXX XXXX branch on XXXX/XXXX/2016 about refunding returned and overdrawn fees with an understanding that my posted balance would be released to me on XXXX XXXX, 2016. She was successful in accomplishing this ; however, I am uncertain if my BUSINESS banking account balance can be cleared out with a XXXX balance to satisfy a credit card debt from a XXXX XXXX that is almost a decade old. This bank levy seems to be a political move and a personal attack. I have been a bank client for over ten years. I am very confused in how my account is being handled. I feel like they are helping to extort me. I am very traumatized by the seizure of my business checking account. I could have been out of town or out of the country and stranded based on this account seizure. No one should feel safe with their money in a bank when extortion by anyone is possible with a judge signing off on it. My article is attached. XXXXl

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and transunion ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, transunion around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that 1 % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe 20 % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation