milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2017 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: I have called Transunion 3 times and spoke to representatives regarding unauthorized inquiries on my credit report. Each time, I am told called the creditors to resolve. Yesterday I called Transunion twice and both representative said called the creditor. I also asked for a supervisor both times, one rep hung up and the last rep refused telling me he could help me. He then proceeded to put me on hold and come back and state that there was nothing he could do, call the creditor. I advised him that he di not even ask which inquiries I was referring to, He stated it did n't matter because that was the policy to advise to call the creditor that pulled the credit and I told him for the fourth or fifth time that I did and the creditors are stating they have no record of ever pulling my credit. I asked him what proof did Transunion have on file that any of companies had authorization to pull my credit, he then put me on hold and he said that he checked and they had none. After, going back and fourth he stated they ( transunion ) required to have proof. And then he hung up. I am confused on what to do to resolve this. I think I may get my attorney involved, however, transunion, has incorrect information and they refuse to assist me.

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 09-01-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (AZ).
Issue: Money was not available when promised

Complaint: On X/XX/2017 I transferred {$26000.00} to my Coinbase inc wallet, transfer id # provided by Coinbase Inc was XXXX, the email associated with the Coinbase Inc account is XXXX. The transfer was approved by my XXXX XXXX XXXX representative but I never received anything from coinbase in response, not even a transaction confirmation email or receipt. They advertise online transfers take 4-5 business days but the wire is n't even pending in my coinbase account. I submitted a claim to coinbase and reached out to their customer service multiple times via email, claim submission online, and their twitter customer service account but the company is unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received a letter claiming that I owe a debt to : CARTER-YOUNG, INC/XXXX Since this is in error and I have not knowledge of this debt, I requested the following proof as they are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. 

A. The original application or contract. 
B. Any and all statements allegedly related to this debt. 
C. Any and all signed receipts. 
D. Any and all cancelled checks. 

This company have fail to provided me with these proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Taking out the loan or lease

Complaint: I went to a dealership to purchase a vehicle. The dealer used all of my personal information to call USAA and set up a loan in my name, then requested the check be sent to him. I was then expecting a vehicle, and never received a vehicle and he kept the money. He isnt licensed to finance, and later I found out that he was n't supposed to set up a independent loan in my name. He committed fraud against me, and USAA now is refusing to assist me ... and are trying to force money out of my bank account. USAA  and  XXXX   XXXX  have together committed fraud against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XXXX XXXX, XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XXXX XXXX, XXXX. No response from XXXX has been received as of XXXX XXXX, XXXX. A call to creditor on XXXX/XXXX/XXXX acknowledges receipt of letter dated XXXX/XXXX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of first delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with first date of first delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with Higher Education Servicing Corporation, Inc. (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, I consolidated my Federal Stafford loans ( roughly $ 50k ) received from XXXX XXXX XXXX XXXX XXXX ( XXXX ) in late XX/XX/XXXX after graduating from XXXX XXXX at XXXX in XX/XX/XXXX. I have managed to pay down my student loan balance since XX/XX/XXXX on time each month and was also able to pay additional amounts to help reduce the outstanding balance subject to interest charges. Based on a recent financial event that has allowed me to completely pay off my remaining balance, I paid {$10000.00} to XXXX on XX/XX/XXXX ( XXXX is the servicer of my consolidated loans ). I did this by using the pay online function that displayed the 'payoff amount ' and simply entered that amount to pay off. 

After I did this, I remembered that XXXX offered 2 benefits when we were told about using the consolidation option for our subsidized and un-subsidized Stafford loans. One benefit was a 0.25 % interest rate reduction after a certain period of on time payments and I was given this benefit several years ago ( my interest rate went from 3.5 % to 3.25 % ). The other benefit was that the final {$590.00} of our loan balance would be forgiven if we continued to make our payments on time. It does not appear the XXXX website gave me the benefit of the {$590.00} forgiveness so I emailed XXXX about my questions regarding this forgiveness benefit. I was told ( emails back and forth with XXXX on XX/XX/XXXX ) that since I paid my entire loan balance off, that I am not eligible to receive this forgiveness option. 

I have a hard time understanding this since I 've been a good payer on my loans owned by XXXX and serviced by XXXX for over 10 years. I have also paid thousands of dollars in interest charges since XX/XX/XXXX on my amount borrowed, so I do n't believe that being able to receive the benefit of the {$590.00} forgiveness benefit is something that is such a terrible request even if I am able to pay off my loan early. If I had realized this, I would have simply paid the full amount due minus the {$590.00} so it would have been forgiven through whatever process they have set up. But because I did pay off my entire balance, XXXX is telling me that I 'm not eligible to receive the forgiveness benefit. 

I find this very unfair since I have been a faithful payer on my loans and am being penalized for paying off my entire balance. Also, why does n't the XXXX website allow for consumers to understand this forgiveness? {$590.00} is a lot of money and I do n't believe it 's asking too much to receive the benefit that XXXX has given others that qualify for it like I do. 

Thank you, 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 01/31/2017 about Credit card () with DISCOVER BANK (GA).
Issue: Other

Complaint: I opened a dispute with Discover Card because I was over charged by XXXX Moving Truck company for gas along with an invalid late fee for car trailer return. I provided Discover with the receipt for filling the gas tank at the station across the street right before the return, along with the return information for the car trailer. After Discover did what they claimed was their " investigation, '' which was nothing more than obtaining a falsified document, which was signed by XXXX of XXXX 's employees, the dispute was ruled in XXXX 's favor. I then informed Discover that the signature on the document provided to them was not mine, I also pointed out that I was only obligated to fill the tank up to where it was when I received the truck, which was documented on my sign out invoice, but instead I filled the tank to full, Discover reopened the dispute. In the meantime I called XXXX in objection to their employee signing their name on the customer portion of the document that they sent to Discover, they agreed that it was inappropriate and looked into the matter further. When they got back to me, they apologized and said they would credit my account for {$150.00} which included the {$73.00} disputed amount, plus an extra amount for my inconvenience. I informed Discover of the outcome. After XXXX credited back my account and everything was settled, Discover still had my account notated as the dispute being resolved in XXXX 's favor and the charge as being valid. When I called to make them aware of this misinformation, I was told that there was nothing they could do about it because the information was pre-printed. I asked that it be manually overridden so it would be reflected on my account accurately. After going back and forth trying to get the information corrected, I called the executive office and spoke with XXXX XXXX, which also resulted in no correction on my account. This company 's inability to document correct information is unacceptable and this level of complacency, incompetence and mediocrity is appalling. My account needs to be documented correctly to reflect the correct information. The employees at this company just throwing their hands up and saying there 's nothing we can do because something is pre-printed is ridiculous and I would like my account corrected properly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HCFS Health Care Financial Services, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Account Resolution Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Phone XXXX has fraudulently filed a debt claim against me the consumer stating that i obtained services from XXXX XXXX XXXX on or about XXXX/XXXX/XX/XX/XXXX I hereby assert that i did not receive any medical services from XXXX XXXX XXXX in XXXX, Ohio XXXX whatsoever, and that i personally contacted XXXX XXXX XXXX who confirmed that they do not have any record of my receiving any medical services from they agency on or about XXXX/XXXX/XX/XX/XXXX. I requested for the collection agency to forward me a copy of the bill of the alleged services via written dispute to them as well as to XXXX and XXXX during XXXX of XXXX but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CARDINAL FINANCIAL COMPANY (TN).
Issue: Closing on a mortgage

Complaint: Started process to refinance my home due to my husband taking a job at XXXX ( better future & benefits ) less pay. Had Good credit rating ( XXXX ) & good amount of equity in my home having lived there for 10 years. Chose to work with Cardinal Financial on XXXX XXXX, XXXX XXXX Loan Originator had purposed XXXX cash out option and an interest rate of 3.875. That sounded like the best option for me to consolidate some bills & some light home improvements .We proceeded with the process and were on schedule to close in XXXX I had discussions with my current mortgage company that I would not be paying XXXX mortgage payment due to closing the refinance in XXXX. We were on schedule to close XXXX XXXX with a notary scheduled to come to my house to sign all of the paperwork. The documents came to me electronically on XXXX XXXX and they were not accurate. Cardinal had made errors, the cash out option that they purposed was around 6,000-7,000 ( instead of XXXX ) & I had a discount that was supposed to have been applied for XXXX that was not applied. That was around 7,000.00 in errors on their part that needed to be corrected. They did finally get the documents corrected and should have advised that I make XXXX mortgage payment since they are the professional and I did not know. The notary came to my house on XXXX XXXX ( not XXXX XXXX as originally scheduled ) ) & we signed and notarized all of the documents .We Closed the deal ( So I thought ). I got a call from XXXX XXXX Loan Processor on XXXX the XXXX saying due to the XXXX house payment not being made they could not continue the contract. I was devastated all that time and effort down the drain, little did I know this was the beginning of disastrous consequences to my CREDIT. My credit score went from XXXX to XXXX ( checked XXXX ) so I can no longer refinance with any company. I tried to get a home equity line of credit with my mortgage company & my personal bank All rejected due to the refinance attempt that ended badly. This horrible nightmare has caused me thousands of dollars, a large amount of grief and numerous sleepless nights. I gave Cardinal an opportunity to make this right as it was their errors that caused the delay. They declined. I have spoken with professionals in the matter and am taking steps to fix a terrible injustice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (NJ).
Issue: Taking out the loan or lease

Complaint: I turned in my XXXX 2013 and took about another lease with XXXX XXXX XXXX. They were supposed to make pay off the car and did so too late. After having Ford Credit calling me to make payments I repeatedly called XXXX XXXX XXXX to pay the car off before the due date. They assured me they would and they did n't. They paid the car off 30 days after its due date and Ford Credit reported it under my namemail to the credit bureau. I have a letter from Ford Credit and XXXX XXXX XXXX stating that they would resolve this and it is still showing in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX has repeatedly called me over a debt that is not mine. This debt is owed by a relative, and they specifically say on their voice mail messages to me that they are calling looking for my relative, and they use the relative 's name. They have been asked to not call me, as I am not that person, it is not my debt, and I am not going to provide them any information as to how to reach this person. They are also very deceptive in their tactics, stating that I was used as a " reference '' for this person, when they are clearly only trying to get information to hunt down a debtor. They have also contacted me AT WORK, and contacted my sister AT WORK about this, after they were told not to. This is in direct violation of the Fair Debt Collection Practices Act, which states that a creditor may reach out to a debtor 's relative 's ONE TIME to try to find them. I have been called multiple times over the last few months. So far this month, they have called me on XXXX XXXX, XXXX at XXXX XXXX, and XXXX XXXX, XXXX at 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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have boxes full of communications from  XXXX  yet although I have been in touch before they continue to claim they can not process my requests continually asking for varied forms Of ID - as if that would stop a crook! My opinion is they have numerous delay tactics such as you can not get through via internet or phone and certainly this! In my opinion they are complicit in the lowering of credit scores not only for me and mine but all Americans having the protection of saying they have nothing to do with anything they just report! If so who do they SERVE the consumer or the lenders! Furthermore I have in writing multiple correspondence stating fraud alerts were placed on the accounts by all  XXXX  agencies, removed by Transunion prematurely and then put back and after that failed I finally placed a worthless security freeze which theycevidenyly ignore or do not know of! Secure my credit from ME!

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 05/22/2017 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive daily calls at my employer from  Atlantic Credit , a company for which I have never done business with. I find this repetitive attempt to collect a debt, that I do not believe I owe  Atlantic Credit , harassment and I feel my employment is in jeopardy as a direct result of these repetitive phone calls.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: RE-INSERT ALL ACCOUNTS BACK ONTO MY XXXX OR DISCHARGE ALL DEBT VIA XXXX AND CEASE ALL CREDIT REPORTING OR BE SUED. FURNISH LETTER FROM XXXX, WHY?

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I signed up for the {$1.00} trial of Experian Credit monitoring membership. I did not cancel my subscription in time and they began charging me {$29.00} per month. My fault for not canceling, but I never authorized the additional charges. To make matters worse, they make it basically impossible to cancel service. I have called them 4 times, each time holding from 1 1/2 to 2 1/2 hours and they continue charging me. 
This company is a complete SCAM.

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 09/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Unsolicited issuance of credit card

Complaint: This is more of a " for your information '' note. With XXXX XXXX in the news about account fraud, I was hoping that Bank of America would also be included in the investigations. About 8 years ago they opened a credit card account without my permission. I have a checking/savings account and was curious about the percentage rate. No permission was given verbally or in writing however I received a credit card in the mail. I did not activate it and called Bank of America to discontiue the card. It did affect my credit report though. Bank of America denied any wrongdoing. I am hoping that you will be looking at their practices too. Thank you- Sincerely, 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 04-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit report with Transunion shows serious delinquency. All I am asking if I qualify to be seriously delinquent for being late for XXXX payments, which is atleast 3 years old and no late payments after that. How do you grade the latepayments? What happens to XXXX who is late for XXXX or more late payments, ( admit them to intensive care I guess ). I Called them typical answer is you have late payments nothing to be done. I do not agree to the methodology adopted to screen the customers this is not ethical to my unterstatnding

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with Helvey & Associates (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account is a fraudulent account and was from identity theft but it is reporting on my credit and this company has this frauudlent account on their records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with Colony Brands, Inc. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.

Company response to consumer: Closed with explanation