milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

XXXX and Transunion are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report.

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal 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 non-monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.

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 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I report to Transunion about an inquire that was made from XXXX XXXX every three months, This was made by error in my name. I already received a letter from Transunion and also tell them to lock my credit, but this month again was a credit inquire for the same place. i dont know what to do.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: Disputed items with Experian, XXXX, and XXXX, all three came back as verified. XXXX 's rentals had a write off bad debt. I have called XXXX 's about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXXXXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is Experian and XXXX still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX, 2017 by both Experian and XXXX. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX 's can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how Experian and XXXX verified these accounts and they need to be removed.

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 06-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Problems caused by my funds being low

Complaint: I reached out to multiple parties at PNC Bank for 2 issues without any success : 1. {$300.00} new account bonus ( get a different story every time ) 2. Excessive overdraft charges that I can not get any recent response to. 
The following is more information : {$300.00} Bonus I opened a Virtual Wallet Performance Select Checking account with a savings account via a banner ad in XXXX of 2012. The banner ad specified requirements and I met all the requirements. I have been following up for over 4 years now and I get different answers everywhere I go. In 2012, the branch told me to call the XXXX number. They told me that I opened the account in a branch ( XXXX I never visited ) and thus was not eligible. I went back to a branch and was told that sometimes they assign online accounts to branches. I called the XXXX number again and they said there was nothing they could do. I go back to branch and escalate and they have someone from XXXX give me a call. They leave a name and number and no-one returns my call. Finally, I find someone and they say that it 's too old. I find a VP and he forwards it along and another person tells me that they ca n't find any promotion at that time. They ask for proof that there was a promotion ... how am I supposed to do that after all this time? 

Now what is really infuriating ... I never got anyone to respond to this inquiry : overdraft fees that have been applied to my account since opening. I have been charged over {$2000.00} in overdraft fees. 

I think what is most frustrating about the overdraft fees is that PNC has overdraft protection ( that I was never told about until my last conversation a month ago with a rep ). I have called dozens of times and made visits to try and understand the fees and how they relate to Bill Pay, CheckCard purchases, and of course the deposits I make to cover the transactions. While I do n't claim to be the best money manager, I have always moved money to PNC to cover such charges. Also, I 'm confused by the consistency of the messages I get ... in some cases I have the fees refunded, in other situations ( which are the same ) I do n't. I get the line from PNC reps that they can only offer a courtesy refund on charges once a year. But then as I go through my statements, some were refunded well within a year of each other. Also, it seems like I get charged multiple fees on the same day for the same overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (IN).
Issue: Struggling to pay mortgage

Complaint: My mortgage is currently serviced by Selene Finance. The prior servicing was handled by XXXX XXXX. This mortgage debt was discharged in a Chapter XXXX Bankruptcy on XXXX XXXX Case # XXXX. Since the discharge date, Selene has promised to re-stablish a new mortgage note, but has never followed through. Selene has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. Selene Finance has also violated the Federal Bankruptcy code by proposing repayment on the discharged debt.

[ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX NC, XXXX Division. 

Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. 

[ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XXXX ). 

[ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX ). 

The mortgage note produced by Selene to prove up the validity of the debt and right to foreclose is fraudulent as well ( exhibit A ). The note is signed by XXXX XXXX at the address XXXX XXXX XXXX, XXXX, IL XXXX. The mortgage note was funded by XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX was shut down by the FBI on XXXX, its majority owner was convicted on 14 counts of securities, bank and wire fraud. Overall, Selene has not proven up standing of ownership and the rights to foreclose. They have pursued foreclosure action and have implemented a foreclosure sale date of XXXX in the past. 

The accounting records that have been provided by Selene are incomplete as well, since the entire payment history is missing from XXXX to XXXX ( exhibit B ). Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined.

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5.

Selene is in clear violation of Federal Bankruptcy Code, RESPA law and IN Code 32-30-10.5. I am  seeking a full refund of all funds paid post Chapter XXXX BK. Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional fixed mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer sent insurance payments from my escrow account to XXXX different insurers. Prior to my insurance policy expiring, I called the servicer to inform them of a new carrier. The old carrier and the new carrier submitted an invoice to the servicer. The servicer paid both bills and refuses to contact the original insurer to get my funds back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I am a victim of identity theft.  XXXX ,  XXXX   and Trans Union  has the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.

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 04-10-2015 about Debt collection (Credit card) with SANTANDER BANK, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I did not open this credit card account and have informed the bank and submitted a police report and documentation requested by Santander Bank to that effect and submitted a dispute to transunion credit agency, but they continue to call me at work and home at all hours of the day and night. On XXXX/XXXX/2015 XXXX from Santander bank called at XXXX XXXX pst, and this has happened more than XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX I called Experian twice about Inquiries showing up and disappearing and the rep told me that I needed to refresh my browser. I explained to him that its not a browser issue that something is going on with my credit score, not only that i had a fraud alert on my report, but I was told I needed to dispute them with the creditor - something that 's not mine???. I had to put a freeze on my credit because I do n't know what was going on. When I called them again to do another dispute the Customer Service did not help and take care of the negative inquiries reporting to my credit report. I also tried to log back in to view the case number and i have been locked out of experian

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 11-05-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a call from Macy 's on XXXX XXXX, 2015 that my Macy 's Amex had fraudulent activity in another state that went through on both the Amex side of the card and the Macy 's store side of the card. I ca n't begin to tell you how many times I have called and called and called and tried to get answers from people who tell me different stories each and every single time I have called. Many times they do n't even show a record of any files under my name ( even though I have case numbers ). There have been many times where they insisted I never filed any documents or scanned in my claim forms ... even though the person who I had previously spoken to confirmed receipt pf everything while I was on the phone with them ). At this point it has been almost 5 months and the charges on the Macy 's store side are STILL showing up on my bill, and whenever I call I have to start the story over again from the start because they ca n't find me in the system ... that sure does n't stop them from sending me bills every month with the charges still on the bill! The Amex side of the card seems to be ok now, but my main issue and problems have been on the Macy 's Store side. They are the ones who I am referring to in my examples above. My case number for the Macy 's Store side of the card is # XXXX. 

I would really like to get this resolved since I did not make these charges, and I am contacting you all to help because I am at my whits end and I do n't know what else to do. It would have been physically impossible for me to charge these in a department store in XXXX while I was in XXXX ( where I live ) at the time of the charges with the physical card in my wallet. 

In case you would like the case # for the Amex side too it is : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XX/XX/XXXX at XXXX ; XXXX pm called XXXX XXXX XXXX XXXX to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, Equifax, and XXXX. I was notified by the representative that this account can not be paid to XXXX because they no longer own the account. I asked when was the account sold and was told back in XXXX. My next question was should this account then be reporting a zero balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, XXXX is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XXXX after it was charged off. After concluding the called XXXX  and spoke to XXXX to initiate a dispute regarding this XXXX account. I stated that XXXX should be reporting a zero balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX  by speaking with XXXX at XXXX pm. Lastly, I initiated a dispute with Equifax at XXXX pm with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the XXXX XXXX XXXX was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a zero balance and sold or transferred to another lender it was. At XXXX pm I contacted XXXX XXXX XXXX XXXX again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that XXXX can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that XXXX XXXX XXXX provided an inaccurate verification of the debt to the XXXX major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Foreman Financial Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with Foreman Financial Inc. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and Foreman Financial as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted Foreman Financial to  discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. Foreman financial has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has Foreman Financial EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!

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 12-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Using a debit or ATM card

Complaint: Despite not opting-in for overdraft protection, Chase Bank, NA paid XXXX {$3600.00} when my checking account balance was only {$2400.00}. While I was in the hospital suffering from XXXX Chase Fraud Prevention first attempted to contact me XXXX/XXXX/2016 regarding suspicious activity on my account and also denying every transaction from XXXX/XXXX/2016 until XXXX/XXXX/2016 which included multiple attempts by XXXX XXXX Car from that period. Also, {$3600.00} is an astronomical charge for a XXXX XXXX that was recovered by XXXX XXXX XXXX while I was in the hospital. I entered a rental agreement via XXXX XXXX XXXX on XXXX/XXXX/2016 for {$110.00} not for several thousand. 

My Social Security Number is : XXXX My Bank Routing Number is : XXXX My Bank Account Number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Deposits and withdrawals

Complaint: As a XXXX account holder at US Bank, I would like to file a complaint with/against US Bank. US Bank cleared a check where the " pay to the order of '' was blank ; the written dollar amount was blank ; the signature line contained a line with bumps XXXX no representation of the account signature card ) and no endorsement on the back of the check. The date and numerical dollar amount were the only items filled out ( redacted copy of check attached XXXX Account holder checked bank statement utilizing US Bank mobile app and realized that balance on account was suspicious. The US Bank website revealed that an out of sequence check had been presented. Further review of the checkbook identified that the check in question and its duplicate had XXXX been pulled from the check book 6 checks beyond the last written check. No other duplicates had been removed. The US Bank fraud department was immediately contacted, where a hold was placed upon the account. A fraudulent activity customer statement was started over the phone. The representative told account holder to : visit a branch within the next few days ( this phone interaction occurred on a weekend ) to complete/sign the fraudulent activity customer statement ; to contact the security department at work XXXX where account holder believes the check had been stolen from a zippered bag within an employee break room ) ; to file a statement with the police station nearest to work ; and, to have copies of all said documents sent to the US Bank XXXX Department. Approximately XXXX weeks after all paperwork had been submitted, account holder received a letter XXXX copy attached ) denying fraud/reimbursement due to " Customer Negligence '' for not providing adequate security for the account number. 
Account holder visited the US Bank XXXX XXXX and spoke with a manager in an attempt to determine how the check was presented to US Bank for payment in order to update the police report and allow the police to continue any investigation. This manager reached out to one of his fellow associates in the fraud department to request presenting bank information for the check in question. Account holder was informed that the requested information should be received via a letter to her home in XXXX weeks. The branch manager also indicated that due to all of the electronic methods available for presenting a check that when US Bank is presented with a check it has to be paid, without concern for the integrity/completeness of the check. After XXXX weeks, account holder contacted this manager to follow up because no information had been received. This manager called associate back and was informed that the fraud department was unable ( or unwilling ) to provide account holder with this information.

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