milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute the following information in my file. I recently received a copy of m y Trans Union  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have t he right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.     If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required unde r Section 611 ( a ) ( 5 ) ( A ) ( i  ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.     Under the FCR A 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court O rder The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 08/18/2016 about Debt collection (I do not know) with The CMI Group, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number calls multiple times in a row. Yesterday I got three calls in 30 minutes, today I got 2 calls within 30 minutes. I have requested they do not call me anymore.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I noticed in last month, XX/XX/XXXX, that our time share company showed up on our credit report and with payment history. Cool, I have no problem except when I looked at it I noticed late payments! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XX/XX/XXXX XX/XX/XXXX ) hows late XXXX days. I have made all my payments and currently I 'm working to get a mortgage and this is how I found out. They showed me and no I ca n't get a house. This was not on my credit over month ago and suddenly it shows. Experian is reporting inaccurately. I sent them a letter last month disputing this account and no response. I 'm desperately trying to figure out an easier way but it does n't matter bc it 's impossible to get ahold of someone there without waiting and then when you do wait and someone picks up.. they seem over confused and barely speak english. Hopefully this will bring me some relief. thank you

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 08-04-2015 about Debt collection (Credit card) with Van Ru Credit Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Old debt

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Chase mortgage started a foreclosure against me in XXXX despite the illegal activity that has occurred in my mortgage since XXXX. Chase willingly started this foreclosure with knowledge of my disputes and a FTC settlement in XXXX that says they can not start a foreclosure if there are disputes unresolved. Chase continued with foreclosure. I have complaints filed with consumer finance bureau during this ime since XXXX. Chase refusing to correct mortgage. My Chase loan number is XXXX. In XXXX of XXXX Chase withdrew their motion in Supreme Court. On XXXX XXXX XXXX I recieved a letter from Chase stating on XXXX XXXX, XXXX my loan is being transferred to XXXX XXXX XXXX XXXX XXXX my loan has been sold so many times none of the new servicers have been willing to take responsibility for the mishandling of my loan. Only leaving me to start over again with my disputes. During the last four years Chase has had me in Supreme Court for Forclosure My escrow has been charged thousands of dollars for legal fee and foreclosure fees. Chase started this foreclosure knowing of the many disputes and was aware of FTC XXXX settlement. The end result was they withdrew their motion and now wants me to pay all their fees for the foreclosure. I should not be charged any fees. And the new servicer can not be allowed to start a new foreclosure until the disputes are answered and dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not solicit this business for any product or service

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 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have credit inquiries that were deleted but re-inserted on my credit. I submitted a credit dispute but they have yet to remove the inquiries. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CA).
Issue: Managing, opening, or closing account

Complaint: I have a RushCard and had a deposit of over {$400.00} automatically put into my account on XXXX/XXXX/2015 and have not been able to access any funds. I can not reach a customer service representative when I call their contact number on the card or get access through the app or online. I 've been trying to access my money for over a week now and do not know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit line increase/decrease

Complaint: I have an citi credit card. I was under my credit card limit. The finance charge at the end of the month put me slightly over the limit. I was charged a {$39.00} fee for being over the limit. I did not feel that this was fair. The finance charge is what put me over the limit. I should not be charged an additional fee for a finance charge of {$39.00} because it puts the card slightly over the limit. I talked with a Supervisor named XXXX in the Florida office. She said that it is in the XXXX page agreement. I asked her where in the XXXX page agreement. She said that she had no idea, because it is XXXX pages long.I asked her how is a consumer supposed to know where this is or if it even exists when the supervisor does not even know. She said it is not her job to know the XXXX page agreement. I was surprised because she is the supervisor. 
This sounds like Usury to me. How can a company charge a fee on top of a finance charge. The bank is making money on the finance charge. That is what I agreed to. It was not a purchase that put me over the limit. It was the finance charge. That is a pretty good definition of XXXX. This supervisor was not able to tell me where this was allowed in the XXXX page agreement. I am not sure that it is allowed or even exists

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Quicken loans, I started a loan application with them on Wednesday, they quoted me a price and by Monday they were up selling me into more closing cost and rate increase. Based solely on the fact that I did n't repond fast enough. It was 4 buisness days, they should give a consumer reasonable time to research and consider and offer in writing. Not fair to attempt to upsell HARP rates after making the offer two days later. Very dishonest and put good family 's under pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I modified my mortgage with Bank of America in XXXX XXXX. I have paid my mortgage on time each month since that time. XX/XX/XXXX I receive a package from Bank of America stating that some of the documents from my modification contained errors that prevented them from recording the modification with the county. Included in the package were XXXX separate sections needing signatures : The Loan Modification Agreement, the Amended and Restated Note, and a third signature page with the words, " Page XXXX of XXXX, '' on the bottom, missing any accompanying page XXXX for that particular page. It is a different font and format to either of the other sections, so it clearly is a separate section. 
The package offered a {$500.00} compensation for my inconvenience and offered to send a notary to our home at no cost. 
We ignored the first XXXX sets of paperwork but by the XXXX set we began questioning it. We brought it to an attorney who advised us not to sign it for at least XXXX reasons : the amended and restated note changes the terms of the original modification by adding an entire section titled Grounds for Acceleration of Debt ; and because of the section that includes a page XXXX without the accompanying page XXXX. This is not erroneous, as the packets came with this signature page and no page XXXX in each of the XXXX packets. 
When I called to inquire about these concerns, I was told that the page XXXX was a printing error, and that it was simply a continuation of the page XXXX of the Loan Modification Agreement but that both would still need to be signed. As I noted before, the font and format of these pages are completely different and thus the mortgage company lied to me and is deliberately hiding something from me. They are trying to pressure me into signing this page with false information. With regard to my concern about the additional terms that change the original modification I agreed to, they simply said it had to be signed or the modification would not be recorded and I would have issues when trying to sell the property. 
I am trying to put the property on the market and need this resolved before we find a buyer, otherwise Bank of America 's mistakes will cost me a lot of money. This entire situation is suspicious due to the fact that six years have passed since the final paperwork was signed but only now they 're trying to fix whatever mistake they really made. I need answers and I believe Bank of America 's actions are unethical at best and criminal and fraudulent at worst. 
I have included XXXX sets of documents ; the XXXX is the packet we received XX/XX/XXXX and the XXXX is the original documents from our modification. I have additional documentation if needed.

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 01-11-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On XXXX XXXX XXXX I sent a SEPA transfer of EUR XXXX to this company. 

On their web site under my account, they specified I should have it by XXXX XXXX XXXX. 
They said it should only take 1-3 days. 

Today, XXXX XXXX XXXX, is it still showing as " Pending '' and I can not access my money. 

At the time my money should have been available, I could have purchased Ether for around EUR XXXX each. Today it 's worth EUR XXXX each, so I have lost out on my investment due to this company. 

I made a smaller deposit prior to this one on the same day to ensure I had the correct reference number on the transfer. I received this with no problems, so the error was not on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage continues to use the United States Postal Service to mail fraudulent statements to me, claiming I owe them over {$200000.00}. I never contracted with Wells Fargo Home Mortgage. They continue demanding unsubstantiated amounts, usually in the range of thousands of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Payday loan debt) with WLCC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This  XXXX  individual from  XXXX   XXXX   XXXX  keeps harassing me not only at my place of employment but he is now contacting my sister, my niece and nephew ( who are both   XXXX   XXXX   ) and have nothing to do with this. How did they obtain these numbers???? The constant back to back cals at my place of employment which can possibly jeopardize my job. I have made payment arrangements with them and have made several payments already. Due to unforseen circumstance, unfortunately because of financial reasons could not make the last payment which was scheduled for  X/XX/17   . I have already filed a complaint against the company however nothing has been done because they continue to harass me and my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I worked as a XXXX until XX/XX/2006 I was forced to take an early retirement because I got XXXX which XXXX. I was sent to University XXXX. So, I am able to XXXX, I have been plagued with complications since XX/XX/2006. XXXX. 
This is just on going with this XXXX. I am not a XXXX either. XXXX is undifferentiated XXXX is awful. 
I was a single mother of XXXX kids in my early XXXX when this hit me. I am still on XXXX I do not even drive and have n't since XX/XX/2006. 
I was n't able to pay off this credit card HSBC Bank, Nevada, NA I sent them a letter with XXXX and explained that I could not repay the debt. 
I lost everything financially, but because I work so my XXXX kicked in to cover my insurance and living expenses. But, because I always worked I am not eligible for state or federal aid just HUD. 
Its been 10 yrs but this guys called me and has started sending me collection letters and phone calls. 
I do n't have anymore money then I had then I have to pay for my own meds, co-pays, XXXX pays most, but I have a gap policy to pay, its a spend down on my XXXX XXXX it is all I live on. 
My kids moved me here from XXXX area to XXXX so I can be close to my grandkids. 
I do n't believe that if they got a Judgement I was in a XXXX and never got served. You had to be in a XXXX for months with every XXXX this has been on going for 10 yrs. I have a XXXX now and donated my XXXX for military. My XXXX is ok. I have had XXXX in hospital for 10 days on XXXX for weeks 24/7 going into my XXXX me 6 weeks each time. I just live with these troubles. 
I am not on XXXX because I have XXXX or XXXX, I am XXXX. 
I ca n't imagine how these people sleep at night. But, there should be laws to stop them after 7 years or 10 yrs. 
Please help me I am prepared to show evidence of my condition. 
I always paid my bills before this so I understand, but they should have just written it off. 
Please help me I sold my car years ago to pay off the debts I could I do n't even own a car or drive. 
Please help me stop this, really there should be better laws they know I am on XXXX XXXX is n't there laws to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: This email relates to PayPal Credit. I have held a traditional PayPal account for some time. Last month, I paid a bill to XXXX and was offered Paypal as a payment method. With a positive balance in my account, I was under the impression I was paying from my balance. 

However, 3 weeks later I received a statement and terms and conditions for something called PayPal Credit. This was completely new to me, and not a product XXXX either wanted or was clear I had signed up for. 

I called PayPal this evening to understand what this was, and was purely told it is something I had signed up for and terms and conditions can be found online. The attendant informed me that this had made a hard pull on my credit history, which is most concerning. I have worked hard to build a secure positive credit history and take great efforts to keep this as a true reflection of my credit history. 

I 've now paid the balance in full - to prevent any charges - but remain very disappointed and entirely misled by this product offered by PayPal. I am a XXXX year old XXXX and feel I am astute and thorough when I manage my money but this has totally shocked me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified.XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX

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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on   XXXX   XXXX   XXXX  . They (  XXXX   XXXX   XXXX   XXXX  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX   management, the y keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged  my credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  hundred  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road .     So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.

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