milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: I contacted Transunion in regards to  two  different computer glitches that took place in   XXXX  . Originally my inquiries were removed from my credit files but then were placed back on without my knowledge.  <P/>  XXXX   XXXX   XXXX    XX/XX/XXXX      XXXX   XXXX   XX/XX/XXXX      XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX       XXXX   XXXX      XX/XX/XXXX      XXXX   XXXX  XX/XX/XXXX     XXXX    XX/XX/XXXX   XX/XX/XXXX      XXXX   XXXX   XXXX    XX/XX/XXXX    .  XX/XX/XXXX      XXXX    XX/XX/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 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have n't received a credit card statement in the mail in months until today, the statement had a charge of {$1.00} due to interest charge, after inquiring I found that last month there was a {$69.00} charge due to annual membership. I always pay all my accounts on time and in full every month. When I called and asked to close the account and a refund for the annual fee, the person told me that since the charge was 30 days old, it ca n't be refunded. I explained that I did n't receive the corresponding statement last month and he said that in that case it was a bank error and that it could be refunded, but since there was not a returned mail he could not do anything. Again, I have not received a statement in months until yesterday, if I had I would have called earlier to close the account since I do n't use the card. 
I requested to close the account and a refund for the annual fee and any interest charged. They closed the account but refuse to reimburse the annual fee. 
Also, independent of the error of not sending me a statement, this fee is for membership for the coming year. It is an abuse from the credit card company not to issue a refund ( even partial ) when a customer closes the account, especially at the beginning of the period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Diversified consultant 's is still reporting a debt for XXXX XXXX Account # XXXX to XXXX that should be removed. They agreed to remove account completely from credit report which they did on, XXXX, XXXX but still showiing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom it may concern, I have written four dispute letters requesting proper verification of two debts reporting by XXXX XXXX and XXXX XXXX. I have written and sent four different letters to Experian @ XXXX XXXX XXXX XXXX, TX, XXXX all by certified mail tracking numbers XXXX deliverd XX/XX/XXXX, XXXX deliverd XX/XX/XXXX, one also sent and XX/XX/XXXX, & the last one XXXX delivered XX/XX/XXXX. In each letter, I requested the proper documents they have on file to verify each debt is mine, I also requested documents of an original comsumer contract with my signature on it, as well as asked to be given the name of the person in there company who verified the accuracy of each account. Each time, four different responses, the company responded that they contacted the creditor and verified the debt was mine but failed to provide any supporting documents nor the person info in the company who verified these accounts, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit. Since they have not responded with proper verification nor have provided me any of the documents they have required by law to have on file for adverse accounts on an individuals credit report, I am asking for assitance with removing these adverse accounts XXXX XXXX {$930.00} and XXXX XXXX XXXX {$1400.00}. These accounts have not been properly verified therefore l, I am asking for them to be removed from my credit file.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017 I received an alert on my credit report that a company by the name of XXXX aka : XXXX XXXX stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted Transunion Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal 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 11/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Approximately back in XXXX I was XXXX. I opened a bank account with well Fargo. Checking and savings. After about a year and obtaining a credit card, I noticed I had another account tied to my online account and the address was from Arizona! I brought this to the attention of the bank and they froze my account! I filled out the paperwork for identify theft sent my social and all paperwork needed. And they still did not resolve the issue. It 's XXXX and watching everything that 's been on the news lately I 'm glad this has been brought to light! They still have my money and had to have my credit card account frozen and could not pay it!

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 07/20/2017 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: On XX/XX/XXXX, 2017 I submitted an online dispute with XXXX and Equifax concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. My county courthouse does not provide this information and neither does the NC Department of Revenue, but XXXX and Equifax employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. They do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both XXXX AND EQUIFAX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On Friday XXXX XXXX 2017 I made a deposit into my business checking accounts located at TD Bank. Made this deposit directly with the teller it was in the amount of {$7000.00} part cash part check. The check was from one of my other accounts located another painting institution also located in New York I confirm with the teller the funds would be available within 24 hours and upon return to my office I thought it was strange that I saw no credit of at least the cash amount I was assured by TD that there was no issue that my receipt was valid and that the account would be immediately credited I scheduled a wire transfer amounts to the IRS in order to pay estimated taxes along with other payments based on this representation and deposit that have been made Tuesday morning I woke up to a bank alert I thought it was two advise me that my account balance was higher than my daily average instead I found that my account was overdrawn by several thousand dollars Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account communication with the bank assured me that this will be resolved by this morning and it has not as a result My account continues to be overdrawn automatic payments that are scheduled have been denied therefore impacting any credit report on my end Even the cash that was part of the deposit has been credited and a review of the banking institution where the other funds withdrawn shows that the check was presented to them and successfully transferred to TD therefore the issue Solely lies with TD at this point XXXX deposits by myself as of yesterday to this account did post but yet the larger deposit on Friday shows no history in my account whatsoever Business is essentially a standstill as this is my operating account and its for an attorney firm therefore checks to courts for filings can not be issued for the fear that they will be bounced based on the bank error If they had communicated if the issue at any point other arrangements could have been made on my end be it transfer of other funds cancellation of payments and/or delays to same so as to insure fast funding etc. yet instead no correspondence was issued by the institution at any point nor was there a clear alert on their website. Therefore causing unnecessary stress and confusion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2016 about Credit card () with U.S. BANCORP (CO).
Issue: Billing disputes

Complaint: For the second time in three months, another customer 's credit card payment was made to my account. Both times I notified Elan Financial Services who issued my card. The first time was resolved after considerable hassle. This second time I still have been unable to return the {$1900.00} incorrectly credited to my account. I have used Elan 's secure message service after I log in - giving the date and amount of the improper credit and stressing that this is the second time this has happened with the first one XX/XX/XXXX being resolved. The response took four days and said, " This issue was resolved XX/XX/XXXX. '' I then called repeatedly and had to wait on hold a long time. The first person I talked to said I should talk to a supervisor, but the supervisor never picked up. I called again, waited on hold a long time, and talked to a friendly, professional young man who said he would have a supervisor call me ; but so far that has n't happened. Someone is wondering what happened to their payment. I 'm trying to give it back, and Elan wo n't take it.

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 11/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I believe that my rights under the ECOA have been violated by Synchrony Bank. The bank put a freeze on my account because of their own negligence. The bank lost information that was required in opening of an account that I have had since XXXX. The information in question was my date of birth, which would have needed when the account was opened. 

The following is what transpired, although I 'm not exactly sure of the dates. Between XXXX XXXX and the XXXX, I attempted to register to use Synchrony Bank 's online application. After several failed attempts, I called the bank 's customer service number, explained my dilemma, and the agent looked at the account, and noted that my date of birth was missing. He commented on the fact that the account had been open since XXXX and then asked me to hold. He apparently went to speak with a supervisor, who informed him, to inform me that I would need to fax in a government ID reflecting my DOB. This seemed highly unreasonable to me given that the account was XXXX XXXX XXXX. Synchrony Bank lost the information and it seemed to me that this was simply an attempt to inconvenience me, as opposed to simply accepting the information over the phone. Again, the information was provided when the account was opened, as they would have needed to know that I was of legal age to enter into a contract. Unfortunately, irritation got the best me and I remarked " F @ # k You, '' and hung up. 

Fast forward to XXXX XXXX, I placed an order with XXXX XXXX for {$51.00}. I subsequently got notification from XXXX that the purchase on the card had been declined. As of today XXXX XXXX XXXX ) I have not received an Adverse Action Notice from the bank, nor have I received any correspondence from them informing me of the adverse action that was being taken against my account. 

It appears that this is a game on the part of the bank to force compliance on my part. However, the date of birth was provided when the account was opened, and they lost the information. Therefore, I see no reason to require me to expend an extra effort to get them information which they had, and lost. 

Thank you, 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 non-monetary relief
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX and XX/XX/XXXX at Chase Bank, someone pretending to be me presented fraudulent checks and asked for the money to be given to them immediately. The checks of course bounced and the bank withdrew the money from my account. The checks were for {$1500.00} and {$1900.00}. None of this seemed suspicious to the bank. They initially denied the claim for reimbursement. They claimed that the information matched what was on file and that the signature matched. I have seen the endorsement of the checks and the signature clearly does not match. I also do not believe they verified the driver 's license number, nor did they ask for the debit card. My wife threatened to sue and they reopened the case. They claim that they have 30 business days to investigate. This sees extremely unfair to me as they gave my money to someone who is not me, expect me to be without the {$3400.00} because of there mistake, and expect me to wait 30 business days for money that I need to pay billls. Also, I am sure that be looking at the security camera footage at the bank it should be easy enough to prove that it was not me that the gave the money to. With the way that the bank has been treating us throughout this process, I have no confidence that they will refund the money. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2017 about Debt collection (I do not know) with Radius Global Solutions LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: We receive notice of balance {$380.00}. XXXX account # XXXX. Ask them send us full invoice to the address, they send the notice of debt.Unsteady they ask me my social security number, name. I will not agree. I will prefer discuss with representatives who originated the invoice.

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 01-01-2018 about Debt collection (Medical debt) with Midwest Recovery Systems (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/2017 Midwest Recovery appered on my credit reports with an amount of {$400.00}. I have NEVER been notified by this company informing my I owe this debt. On XX/XX/2017 I sent a letter asking for verification of this debt they say i owe. I have never recieved anything. Not even a phone call. I called the original creditor of this debt and they have no knowledge of this debt in their systems. They said i didnt owe that debt. I would like for this to be off my credit as I believe Midwest is scamming people out of money. They have broke the law with not verifying this debt and by not contacting me before placing this on my report. I have never received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I had file a complain XXXX against SYNCHRONY FINANCIAL a month ago. After that complain, the office of the president sent me an email through its senior customer relationship in the name of XXXX. They agreed to reimburse the over charged they put on my credit card and said they have mailed me the refund check of {$530.00}. They also said I will receive the check within 5 to 10 days. After 3 weeks of not receiving my money, I called many times to know the status of my check and finally, XXXX picked up the phone and said she will look into that. I still have not heard from her. I left her 4 voice messages and an email but she never returned my call or reply to my email. I understand {$530.00} is not a lot money for her but for me, that's a lot. It a money I can use to help pay my daugther 's daycare, it's a money I can use to help pay my mortgage among other thing. I am not looking for any charity from SYNCHRONY FINANCIAL. I want my money back. That's all.

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 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a letter to Transunion requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and XXXX judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.

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