milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX XXXX XXXX XXXX I have repeatedly requested from Transunion Credit Bureau, XXXX XXXX XXXX XXXX PA XXXX, to provide me with a VALIDATION for bankruptcies that are being reported on my credit report, Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. I have sent them several letters regarding this issue and they have yet to provide me with the validation required. The County Recorder of Deeds and the Bankruptcy Courts have also reviewed the Public Record section youre your Transunion Credit Bureau. They both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never  validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

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 05/26/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Too Whom this May Concern On XXXX XXXX XXXX PayPal Inc contacted me via phone and email stating that as of that day a hold of 5 % of all transactions would be held for 90 business days, also a minimum of {$10000.00} would be held from my account for 180 business days. PayPal is licensed in the State of Florida as a Money Transmitter Service with License number XXXX expiring XX/XX/XXXX. Florida Statute 560.208 Section 5 states Shall, in the normal course of business, ensure that money transmitted is available to the designated recipient within 10 business days after receipt. I have sent several emails to PayPal and PayPal executives/supervisors/customer service requesting my funds to be released and did not receive a response. I finally received a phone call today XX/XX/XXXX in response to my request and complaints. The customer service agent I spoke to denied my request and specifically stated PayPal operates out of California and does not recognize Florida state law. I disagree. As a licensed business/service in the State of Florida, Paypal should be held to the same standards and laws which accompany their Money Transmitter License and their privilege to conduct business in Florida. I feel that any reasonable person would conclude that holding such a high balance for 180 days is excessive. and may be viewed by some as punitive or as already stated, an unnecessary abuse of power. This is also contrary to the laws set forth by the Florida Office of Financial Regulation. I have been very patient in this process and have requested on numerous occasions for the return of funds. I am simply seeking a resolution that is fair and in accordance with Florida State Law, the State I live and conduct business in. Thank you for your time reviewing my case.

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 09/14/2016 about Debt collection (Credit card) with Colony Brands, Inc. (LA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: After asking to stop these credit cards because i no longer need them and it was agreed and the interest began to grow after paid up. I have asked them several time to cancel. After getting my credit reports from all beaus i noticed they have been placed in collection. I am asking for them to be removed and delected from all XXXX credit bureaus immediately. I have been desputeing these item over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Wrong amount charged or received

Complaint: Dear CFPB I am formally filing this complaint against Moneygram against transaction # XXXX. I am from the United States and was visiting my extended family in XXXX XXXX. I did an online transaction so I could leave my parents with some money as a gift. I was flying out the very next day morning.. I received a verification call from Moneygram. I provided all the information they were looking for. They confirmed the transaction is approved. I later received a confirmation email that the money is ready for pick up.. At the pick up location they however told me the transaction is on hold.. I called Moneygram again and after frustrating 1.30 mins on the call and several disconnects I still did not get my money.. The service was outsourced to poorly connected third world country who were not at all audible or clear in their english. I was put on hold at least 10 times and disconnected several times. They finally cancelled the transaction citing the reason that why am I doing a money transfer when I am in XXXX and can give the money directly? Seriously? The money is in my bank in XXXX not in XXXX How else could I have given money except for a moneygram transfer. I am leaving without any gift to my parents and that means a lot in our culture.. Moreoever Moneygram has the audicity to hold my own money for 12 business days before refunding.. I want the strictest of legal action taken against Moneygram

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me per the fair credit reporting act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was charged a large amount of money. My college also closed down and I was not able to transfer and it finish school ... they did n't want to help ... it took almost a year and they only forgave XXXX dollars ... .I 'm still not able to finish school. I 'm too if that I am very confused on how they operate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Application, originator, mortgage broker

Complaint: I had a mortgage with Chase Mortgage. On XXXX XXXX 2013 I sold this property.Then Chase has reported to the credit bureaus as a foreclosure started. Chase refuses to remove the XXXX status on my credit report. Even though, the account has been paid in full as of XXXX XXXX 2013

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a an auto loan with XXXX XXXX for over 2 years in excellent status and paid in full. According to XXXX XXXX Experian is only allowing to report my status only if my account is open and not paid in full. Further more , XXXX XXXX was nice enough to inform me, if they send it to Experian, it will show as an open account and will do me more harm. I wrote to Experian several times and had no answer. Please help.

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 01/18/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit line increase/decrease

Complaint: jcXXXX penny XXXX up my acct this pass XXXX, I never chg my address, and lower my cr XXXX to XXXX I was never notify my cr was lower.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Credit card) with Financial Recovery Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to send collection notices to us for a credit card debt that is at least XXXX. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (CA).
Issue: Settlement process and costs

Complaint: This is an addendum to case number XXXX which was filed yesterday, XXXX/XXXX/2015. 
We believe the Suntrust Mortgage Company has intentionally delayed our short sale process to allow our mortgage to reset. We had all paperwork in and had been approved for the short sale. Our mortgage resets XXXX XXXX, 2015, and increases from approximately {$1200.00} to {$2400.00} per month. We can not afford the {$1000.00} increase. The agent has acknowledge receiving all documents on time, and that someone in Suntrust " dropped the ball ''. They are requiring us to resubmit all documents because of their errors resulting in " Stale dated '' documents. These delaying practices seem ominously similar to the actions of XXXX which the CFPB and Federal Trade Comission which you took serious action against XX/XX/XXXX, fining them XXXX in restitution and XXXX in civil money penalt for it 's illegal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time, yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight XXXX late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: I had an account with Citibank and due to the ending of a XXXX year marriage ( divorce ) that financial devastated me, and I defaulted, I lost my house ( I lost everything ). 
I am trying very hared to correct/improve my credit ( at age XXXX I do not have many earning years left ). 
The issue is that Citibank sold my account to a third party and my credit report shows a opening date of XX/XX/2016 not the actual date and is adversely affecting my ability to acquire credit.

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 08-03-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (KY).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My vehicle loan was taken out in XXXX of 2014 with Wells Fargo. I provided proof of insurance at the time of purchase. Almost 3 years later, Wells Fargo contacted me to inform me that they never received insurance proof, had charged me their insurance premium, and charged fees for delinquencies on my account. My credit report shows that I was late on my vehicle payment, which I never was. I provided proof of insurance at that time through XXXX XXXX. They still charged me for their insurance and late fees and it remains on my credit.

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 07-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: Dear Sirs at Chase Bank only - XXXX ONLY - NO XXXX Allowed. I speak with XXXX ONLY in XXXX, TX, I am not allowed speak with XXXX, period. 

I do not happy with Chase Bank - checking account opening new account. with my Coupon Code : XXXX, it was declined account. I felt Chase Bank discriminated against me cause of declined account. 

I am not like both of XXXX XXXX XXXX and Chase Bank turned me down that called discriminated addresses notified to U.S. Senators in serious matters.

Company response to consumer: Closed
Consumer complaint received 01-04-2018 about Debt collection (I do not know) with Security Credit Services, LLC (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received my credit report for all three bureaus and noticed that Security Credit Services was reporting that I owe a charge off balance of {$1100.00} for a Company called XXXX leasing company. I only leased an amount of {$530.00} for a furniture company called XXXX XXXX XXXX, and I have paid XXXX XXXX over {$600.00}. for the lease and was told by XXXX that my by out amount was only {$140.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Customer Support p : XXXX | XXXX f : XXXX | XXXX XXXX : XXXX m-sat : XXXX XXXX est sun : closed Purchase was made XX/X/2016 for {$530.00} Reporting to credit bureau Security Credit Services {$1100.00} Security Credit Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Problems when you are unable to pay

Complaint: I did enter in a Vehicle loan by a vendor which used tactics which make the whole process a nightmare. Over time, I did have to contact the bank ( XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX ) to renegotiate the loan due to financial hardship issues in my family. 

Per some unknown reason, the bank keep denying the process without any reason. 
When I contacted them ( several times ) l the bank asked me to find a " loan assistance specialist '' from the closest branch office. 

When I went there and explain the issue to this " specialist '', the only thing he did was pickup the phone and dial the same phone number which I did previously contacted. 

This time, they defer one single payment to 30 days more and they asked me to request " refinance '' via an on-line process. This last was denied without clear reason and I still asking them for help which they keep denying. 

Is there any way to get any help from this bank?

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was in the process of trying to purchase a home when a loan I previously consolidated appeared on my credit report. I attempted to make contact with Naviant and the XXXX and they both stated they did not have the loan even though it appears on my credit. My current situation is that I am being garnished by the loan serviced Navient even though they claim they have no record of my account. I want to pay what I owe but I question their calculation and the lack of information regarding status of my loan. I have waited on the phone more than 3 hours total over 4 days trying to rectify. I need to know my next steps. I have notified all of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A fraudulent account was opened in my name by Synchrony Bank/Care Credit. They allowed the opening of this account without contacting me, even though I already had an active account with them. When I protested the account, they removed it from my credit reports, but did NOT remove the hard credit inquiry associated with the opening of the account. I have called their fraud investigative office XXXX times since XXXX, 2015, and yet they have still not removed the fraudulent credit inquiry. I contacted the credit bureau today and was told that only the creditor can remove the inquiry, even though the credit bureau has record of the fraudulent account and an initial fraud alert was added to my account immediately after the opening of the account. Why ca n't inquiries be disputed the same as other mistakes? What recourse do I have when the creditor is uncooperative and/or incompetent and my credit suffers as a result?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (UT).
Issue: Account opening, closing, or management

Complaint: XX/XX/2016, we were in the process of switching from Wells Fargo Bank to another bank as we have had several fraudulent transactions in the past year. The latest one was in the amount of $ XXXX from my daughters and my account to my husbands and my account. About 2 minutes after doing so my account password and address changed and I was notified by the bank by email if I had changed my password so I ran this through their fraudulent dept. a few days later XX/XX/2016 I received a phone call from a women who said her daughter works at the XXXX next door to the Wells Fargo Bank in XXXX, which was our bank at the time. Her daughter went out to the dumpster that sits between them and Wells Fargo Bank and found a bunch of papers scattered around the outside of the dumpster on the ground. When she looked down she saw one that had all of personal information on it so she took a picture of it, then told her mother on Thursday. Her mother said that they needed to contact us which they did from the information that was on the document. The daughter did not pick up any of the papers which mother saw the email address and sent the pictures of the papers which clearly show the paper. The document had our full names, tax ID, address, phone numbers, and full social security numbers on the page. I immediately called the XXXX police which were right across the street, they gave me a case number but said they really could n't do anything about it. The next day my husband went to the dumpster and all of the papers were still there, no at least 4 days laying there. He took pictures of the surrounding area of the dumpster with the view of the bank and the XXXX restaurant and also picked up the document that has our personal info on it, which was page XXXX of XXXX as well as a deposit slip that had someone else 's name and account number. We called the XXXX police again and told them the papers were still out there on the ground and they said all they could do is come over to the bank why we talked to them but we decided not to do that until we spoke to someone else, but the police have documented our information. That afternoon the same girl from Wingers went over again and saw another paper with our information on it, she picked this one up, which my husband had missed. This one said page XXXX of XXXX. This area has a lot of homeless people etc. that look through dumpsters for food. The mother and daughter said they would testify about everything they saw. We would like to take some legal action as we have no idea who might have all of our information. I will attach the papers so that you might review them. 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 explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Opening up complaint against Equifax for the latest data breach as I was identified as being a potential consumer that had my information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I checked my credit report and found EOS CCA had been submitting a collection report saying I owe {$90.00} to XXXX XXXX bill. 

I called them to ask what it was for, and they told me for XXXX XXXX bill from 2008 or so. I let them know I have not had XXXX, and I asked why they had n't ever contacted me. They said they tried to previously, but I 've never received a message from them or any letter saying they were attempting to reach me. 

I requested verification of the debt from EOS CCA 3 months ago, and they still have not provided this. I called XXXX XXXX and they were not aware of this bill.

Company response to consumer: Closed with explanation