milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is reporting XXXX invalid / cancelled XXXX XXXX, GA property tax liens on my consumer credit report. They refused to remove these items in the dispute process, despite proof of cancellation and the fact that the property in question was already surrendered and bank owned at the time the liens were placed. The XXXX XXXX XXXX Court and Tax Assessor 's Office has cancelled all liens in my name - I have provided documentation of this as part of my complaint. 

The state of GA does not require courts to report cancellation of liens to credit bureaus, and all of my efforts to resolve this matter directly with Transunion have been unsuccessful. Transunion refuses to consider any additional dispute of this information, and plans to keep these invalid, cancelled tax liens on my credit report for up to 10 years from the date of issue.

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 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a Mortgage Loan with a bank, XXXX XXXX. This property was returned in foreclosure in 2013. It still appears as open accounts. They should be closed accounts now. XXXX XXXX went bankrupt and does not exist anymore.

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 10-03-2016 about Debt collection (Medical) with Eastern Account Systems of Connecticut, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am honestly not sure what this is for but my insurance covers XXXX percent of everything. Maybe you should include more information when sending someone a notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My conventional mortgage was serviced by XXXX NJ. In 2015 the mortgage was purchased by Nationstar Mortgage, XXXX XXXX. XXXX, XXXX, TX XXXX. 
Nationstar requested proof that I had homeowners insurance but sent the request to the wrong address. When I sold the home in XXXX, 2015, Nationstar was given proof of homeowners insurance but withheld {$2600.00} as supposed premiums they had to pay. Since XXXX, 2015 I have attempted numerous times to get Nationstar to refund the money but they have obfuscated and confused the issue by requesting additional information which I have provided. 

The Loan Number was XXXX Their Research Reference number is XXXX Nationstar continues to send computer-generated letters stating : ... '' at Nationstar, we take your concerns seriously. '' But in reality they do not. These letters all contain the statement " We [ Nationstar ] will respond by [ fill in the date ]. Of course, they never do. 
This has dragged on long enough. Nationstar owes me {$2600.00} in a payoff overage. 
Please help me to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: I XXXX XXXX XXXX in sound mind legal attorney legal XXXX acc # at citibank route # and account with address XXXX XXXX XXXX XXXX and account with old address XXXX XXXX XXXX XXXX XXXX XXXX citi bank never placed my XXXX acount in my XXXX XXXX acount and never reseved my statement forward to me with a XXXX dollar shopping spree from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (MI).
Issue: Loan modification,collection,foreclosure

Complaint: This all started back in XXXX 2014. My current mortgage co then approved me for a modification to lower my payments and interest rate. Payments were to start in XXXX 2014 and last payment in XXXX 2014. I made all payments on time thru XXXX 2014. Well as of XXXX 2014 my last payment was to be made to the new mortgage co that bought my mortgage Selene Finance. For the XXXX they did n't have an account for me to apply payment. Finally in XXXX I was able to make the payment. but they still had old payment amount. I explained the modification, they said it was noted in the file but has n't been uploaded yet should only be another week or XXXX before completed. XXXX 2014 I had my credit report pulled only to find out that my score dropped over XXXX points in XXXX months, I had a XXXX credit score took me a very long time to get there. To my surprise Selene Finance had reported late payments since XXXX of 2014. I have been in contact and even faxed my modification agreement and proof of the payments being made on time to them XXXX times over the last XXXX months. I have made my modification payment them each month. they still have not updated my file or applied all modification payments properly XXXX months after taking over my mortgage and they are still reporting me now XXXX months behind on my mortgage. I have talked and emailed Selene Finance several times no phone calls have returned, no emails responded to. All I keep getting from Selene Finance is " it should be updated in a week or XXXX '' Still XXXX months later getting the same answer. I have talked to other mortgage companies and they basically said I was XXXX royally by Selene Finance and good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Making/receiving payments, sending money

Complaint: I logged on to my bank checking account this morning and found a miscellaneous pending charge. When I called the bank to find out what this charge was, they claim it is a check that was submitted and since my account went negative that it was it was pending to see if would be paid or returned. Huntington has my account set up to pay any overdrafts and then I have the 24 hour grace to put funds into the account before I would be charged a fee. Huntington said they could not tell me who this charge was from and that this was a new policy that was implemented this week. I told them that I did not write a check for this amount and I needed to know who was trying to take the money out of my account and they refused to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: From XXXX XXXX, congratulations on paying off your student loan! 
In today 's world, it 's not always easy to manage debt, use credit wisely, and keep up with the demands of your career and personal life. But you 've done it, and we applaud your success.

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 06/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: XXXX XXXX XXXX hereinafter referred to as XXXX ' ) offers the Membership Rewards program, a loyalty program that allows customers to earn points. XXXX allows customers to transfer their points to various airline and hotel loyalty programs at a XXXX ratio. 

I reviewed my account and saw I have XXXX available points. Based upon the points being listed as available, I began to make tentative travel arrangements and other plans. 

On or about XXXX XXXX, 2016, I submitted an online request on XXXX website to transfer a portion of my points to my XXXX XXXX XXXX account, but I received an error message and a prompt to call customer service to complete the transfer. 

Accordingly, I called XXXX and and was informed for the very first time that my points were actually not available for use. This is in direct contradiction of the points being listed as available on XXXX website. I was told that I could not use or transfer any of my points for 6 to 8 weeks. 

I feel this time is extremely unreasonable and destroys my opportunity to travel during the summer. Prior to attempting to use my points, I was not notified that my points would not be available for use. Further, XXXX continues to extend time-sensitive targeted offers to me to encourage the use of the points, thus reinforcing my belief that they are available. I just paid a {$450.00} annual fee for the card and the service I 've received is unsatisfactory. 

I am seeking the immediate availability of my XXXX Membership Rewards points to use for transferring to an airline partner on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with A.R.M. Solutions, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX I contacted my mortgage company SunTrust to inquire about refinancing because I had moved into my rental townhouse which was now my primary residence. I received an estimate and was told I would have no closing costs and only would need to bring that month 's payment ( XX/XX/XXXX ) to closing. Later they came back saying I needed a {$500.00} appraisal which I paid for. Throughout the process they repeatedly asked for documents I had already given them and even up until last week, I was still being asked where I lived! After much delay and XXXX I finally was given a closing date of XX/XX/XXXX. Today, after I asked for the cost to close, I was sent a revised estimate of {$5000.00}! I was told they had originally done the estimate with my townhouse as a single family home. The appraisal clearly stated as did ALL other documentation that my residence is not a single family home. It is no longer worth doing the refinancing at all and all they can say after every mistake they have made is " sorry ''. I wasted {$600.00} in fees to date.

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 monetary relief
Consumer complaint received 12/30/2017 about Debt collection (Medical debt) with Quality Asset Recovery LLC (NJ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The XXXX XXXX XXXX called me to arrange the debt that allways increased and the reson was the amount of my copay was XXXX and I allways been charged XXXX every visit. 
I paid XX/XX/XXXX XXXX dollars and I told the lady to charge XXXX every month in which they never did and put in to collection. Qar llc sent me a letter in which I put my credit card information with XXXX dollars again, received several calls from QAR LLC and they asked my own information and using profanity language because I dont gave my personal information from stranger callers. 
Now I open my credit information and see 3 collections with different amounts that I dont owe that amount.

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 06-12-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problems caused by my funds being low

Complaint: Dear Director XXXX 

I want contacting with Director XXXX about Bank of America's XXXX that I posted "I informed U.S. Senators and Speaker XXXX that I filed complaints with Federal Deposit Insurance Corporation finished" that XXXX knows better reporting to U.S. Senators and Speaker XXXX included all my filed documents must forward to U.S. Senators and Speaker XXXX immediate procession from Federal Deposit Insurance Corporation requests to help me out with moving other bank from Bank of America to XXXX or XXXX, stopping Bank of America uses overdraft fees.   Bank of America hated my appearances and XXXX which Bank of America made made their opposed to XXXX" issues  they do not interest in me with Bank of America account.   I seek for authorization official helps me moving from Bank of America to other bank called XXXX or XXXX immediate of between XX/XX/2015 to XX/XX/2015, please let me know.  Please Official picks up me bringing to other new bank urgent with serious matters at formal filed requirement.  

Let U.S. Senators and Speaker XXXX knows requirement charges coping to Male Attorney in serious charging requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTIO
N. 73 AmJur 2nd, Section 90.
3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT!
Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.

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 09-09-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I get phone calls/ answering machine messages from Discover Student loans ( I attended Rhode Island XXXX XXXX and when I call the number back it takes me to a cruise sweepstakes I 've won. They also harass me during hours that are n't legal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts with various creditors. I am a victim of identity theft. I have been receiving harassing, threatening telephone calls and death threats. The following unauthorized and fraudulent accounts accounts do not belong to me : Lend Up, XXXX, XXXX. The following unauthorized and fraudulent inquiries do not belong to me : 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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from  XXXX , it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted Santander and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through Santander Consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (Medical) with PlusFour, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX. We both thought I was still covered by insurance but discovered afterwards I was not. They billed me for approx {$700.00} for the total procedure and followup visits. I alerted them the insurance was not in effect so we negotiated the cost to around {$270.00} which I agreed to and paid by check. I even wrote " Paid in full '' on the check ... just in case. They made attempts about a year later to collect the old balance despite my paying the agreed negotiated price to the medical center. Now they have turn XXXX bill into XXXX separate bills. The {$270.00} I already paid then their re-calculated additional bills which did not arise until months after we had already negotiated the charges. The debt collector has now dinged my credit XXXX separate times for the XXXX incident which I already paid the agreed settlement amount. The woman, XXXX, at the medical center has lied because I believe their A/R people told her she should n't have negotiated with me ( just my 2 cents ) So I refused to be black mailed for additional money after negotiating the original cost. I have a copy of the cancelled check and an email from XXXX stating our " agreed negotiation would put my debt at {$0.00} ... she lied.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: I am an unhappy member as well as investor of Coinbase.com. 
I was being scammed out of a {$17.00} charge. Since all my other transfers were free or cost a matter of cents, I thought that I was reading the transfer incorrectly. Suddenly the charge by a Miner ( which I had no idea even took place, as there is nothing about Miner Assisted Transfer Charges  disclosed on Coinbase main site ). I thought I am being scammed!, what do I do?. Frantically I searched the site, and found that I could only temporary block my account, this was the only recourse. Well, the charge went through, I was blocked out of my own account with Coinbase. After sending many, many, many emails, just coming up past 1 month now, I am still barred. 

I have sent direct emails, however soon after, the emails were not received, even a message saying customer service would not respond? I was kind, then a little mad, then back to being kind, in my communication. Nothing! Not a robot, nor human has made effort to contact me. I watched the recent purchase of funds actually go through my linked bank account, weeks later, after I issued a buy. It felt powerless, to see them take funds, that I had agreed on. I felt gullible, and am still unable to validate as to whether the funds are where they are proported to be [ in my wallet on the Coinbase Site ]. 

There was roughly {$550.00} USD. I had earned a little money in fact, at the time. I was planning on transferring when I had earned, prior to any dip. I actually foresaw the impending crash, just watching the news, and seeing other crypto currency wars taking place. I studied the markets for a good few weeks, prior to investing. I awaiting authentication, patiently. The process of ID validation took around a month. 

I had access to the account for less than two weeks. I lost money now, if the funds are even still there in Coinbase.com? My $ 500-550 is now down to 400 or less. The market did rebound. I woul like to transfer my funds out of Coinbase. I still have faith in crypto as a future investment, however the restrictions with trades make it hard to actually make a profit. I have now taken the long term approach to this short term volitilte process against my own better judgement or choice. 

I did not realize that this type of manipulation of the markets was indeed taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, i have tried to get this resolved with equifax customer service and they have not been helpful in removing these fraudulent inquiries on my credit report. These are the lists of inquiries on my report that i did not authorize and want removed. 

1.XXXX XXXX XXXX 2.XXXX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX XXXX 6.XXXX/XXXX

Company response to consumer: Closed with explanation