milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: M y credit score dropp ed overnight from  XXXX  to  XXXX . I reviewed the information and found that Transunion was who dropped the score. I reviewed the information through a free credit report and found that an old debt from  XXXX  was reported. I have paid the amount off many years ago, around  XXXX , and the information on the report was also inaccurate information. This information was the direct source of my credit being effected immediately, and the cause for the  XXXX  point drop. My complaint is, a credit reporting agency knows the laws and should not have even put that on my credit because of the time restrictions.   I disputed the information and the information was removed and my credit raised back to  XXXX .   Transition should held accountable because they violated the law by posting the incorrect information that affecte dly credit score. Had  I not been diligent in my personal efforts, this would have been left unattended and had an impact that was not fair. I should not have to do their job for them.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: For the past XXXX days, after I enter all my personal info at XXXX, the Transunion site displays a message that due to the XXXX breach Transunion can not process my request. That is the only XXXX of the XXXX companies from which I have not requested a free report within the past year. I 've been trying to access my report early in the morning CST, before too many are awake in the US, and have also tried in the afternoon and at night. 

XXXX. After a breach of this magnitude, there should be no charge by any of the XXXX companies to an individual requesting his/her own credit report. 

XXXX. If Transunion can not handle the request volume, that message should be displayed at XXXX BEFORE we enter all our personal info. 

XXXX. We all need new identifiers to replace our SS # s!

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 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, I received a statement from Capitalone in the amount of XXXX, plus XXXX interest on an unauthorized purchase from XXXX. The card in question, XXXX, expired in XX/XX/XXXX. The card has long since been destroyed. The service in question is a website : XXXX was closed back in XX/XX/XXXX and is unavailble for users. I have contacted the company by mail twice, and by phone once. The assigned a case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, XXXX at XXXX, I tried to purchase a movie ticket using my debit card but the purchase did not go through. I went ahead to check my account through the app on my phone to see what was wrong and if I was being charged either way, instead there was a message from Wells Fargo telling me that my account was frozen and in the process of being closed and the only reason I was given was that this was a business decision ; I was also told that the funds in my account totaling {$2700.00} was going to be held on to and may or may not be released by XXXX XXXX, XXXX. I found this really confusing so I headed to a nearby branch to clarify things but I still could not get an clear reason behind this occurrence or what exactly the business decision excuse meant ; there were claims of fraudulent activities on my account with no evidence to support the claims. I returned to the bank the next day XXXX XXXX, XXXX at XXXX to see if I could somehow gain access to my money because I was so confused at to what to do because Wells Fargo literally put my life on hold because of a business decision?! I got to speak to a someone there regarding my situation and demanded printouts of the last six monthly statements, I also spoke again with the person I met yesterday but I still could not get a clear answer and still was not allowed access to my funds. I was being treated like a criminal and I did not know why. They both suggested I get on the phone with their loss prevention customer service department and the first person I spoke to kept taking me around in circles. I asked why I couldnt get access to my money and I was told there was a hold on my account ; asked why there was a hold on my account and I was told that the bank was ending their relationship with my because it was no longer mutually beneficial ; I asked for specifics and I was told the bank had made a business decision to close my account ; I said that was fine but can I get my money, I was told no because I had a hold on my account and I was put through this frustrating circle over and over till I asked to be transferred to someone who could give me answers. Whoever I was transferred to gave me the same routine answers until whoever I was talking to eventually hung up on me for trying to get answers. Wells Fargo has put me in a really tight position as I have no way pay my bills or do anything.

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 01/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Account opening, closing, or management

Complaint: On or about XXXX XXXX Wells Fargo received a wire transfer from XXXX Bank in the amount of {$35000.00} into my checking account, The staff at XXXX XXXX , branch of Wells Fargo ignored my direct instructions ( on more than XXXX occasion ) to " Under NO circumstances were any of those funds to have been placed into my account ''. I informed the branch manager on numerous occasions that the funds were not mine and that if she or the bank ignored me that they would be liable for any and all damages and possibly more. The bank also cancelled my Identity theft protection and denied me of my funds previously in the account and their actions have also caused other damages. I am also filing an Identity theft charge against parties involved since the bank also lied to me and stated " No crime has been committed and we will not contact law enforcement ''. They went on to state " There is nothing that we can do ''. and that is just a small part of what I have learned was also a lie that they stated to me and mislead me. I have documents I have not been able to obtain that do show other costs incurred due to Wells Fargo and It 's employees deceptive actions. They intentionally with malice have done this and the facts of their failure to act prove this as well. Their actions have caused undue stress, loss, damages, and I believe some of the actions are possibly criminal ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: With regards to Account # XXXX and XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Prepaid card (Other special purpose card) with NETSPEND CORPORATION (MD).
Issue: Fraud or scam

Complaint: I got email this morning from BRINKS Money claiming the following : " We mailed your new Brink 's Prepaid MasterCard ( XXXX ) today! It should show up ( in a plain white envelope ) very soon '' and asking me to activate it. 

At no time I applied for this card. I called them and they said it was just an advert asking me if I want the card or not but there was nothing advert sounding about the email. It is designed to make people believe that they applied for the card because the email expressively stated " You received this email because you have a Brink 's Prepaid MasterCard. We value your privacy and our relationship. View our online privacy policies. If you no longer want to receive feature updates, card benefits, and promotions from Brink 's, unsubscribe or mail your request to XXXX. XXXX XXXX, XXXX, TX XXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16 I discovered an authorized debit transaction on my checking account. The transaction was an international wire debited from my account on XXXX/XXXX/16. The amount was for {$2500.00} + {$50.00} fee. I never filled out any wire or conducted a wire transaction. 
On XXXX/XXXX/16 I went to my local Chase branch ( Branch Manager XXXX XXXX ) to notify them of the unauthorized transaction. XXXX XXXX researched the transaction and confirmed that I was not the sender of the wire. Since the debit was a bank error, XXXX XXXX refunded NSF fees of {$12.00} on four occasions. This goes to show that it was a bank error. 
For several days thereafter I visited the branch at least three times to speak with XXXX XXXX. On one of the visits XXXX XXXX told me they were trying to locate the beneficiary of the wire in order to refund my money. 
On XXXX/XXXX/16 XXXX XXXX contacted me by phone and informed me that he was going to refund my money + wire fee to me no later than XXXX/XXXX/16 or XXXX/XXXX/16. As of this writing date, XXXX/XXXX/16, no funds have been returned to me. 
It is my understanding this fraudulent transaction is covered under Regulation E and I believe the branch manager - XXXX XXXX - is not complying with the law and is withholding information to my detriment. 
Please assist me to return my money + fee. XXXX XXXX 's reluctance to assist me is a violation of the law ( Regulation E ) and amounts to theft. 
Chase 's negligence has caused me great harm as I have had to live without my money for nearly one month. In addition, I am not receiving clear information from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern, This letter is a formal complaint that Equifax is reporting inaccurate credit information. I am perturbed that Equifax have included the below stated item in my credit report due to its damaging effects on my good credit rating. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit Equifax has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX  mistake XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX

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

Complaint: I have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to my 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 03/20/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: GE CAPITAL RETAIL BANK now known as Synchrony Bank allowed a credit card to fraudulently be open in my name opened XX/XX/2013 in the amount of {$1500.00}. Account number : XXXX. I am a XXXX XXXX XXXX veteran. They allowed someone to open the account using my old address from government housing. They sold the debt to XXXX XXXX. I didn't find out about this fraud account until XXXX started calling me 5 plus times a day. I have sent the fraud form to XXXX 5 different times and they keep claiming they haven't received it. They have harassed me since they bought this fraud account. In XX/XX/XXXX XXXX posted this account on my credit report on top of Ge Captial Retail Bank/Synchrony Bank having it reported on my 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 non-monetary relief
Consumer complaint received 05/30/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Payoff process

Complaint: I have an account with Care Credit ( Synchrony Bank ) for various XXXX related expenses. Their claim is pay within the stated time frame and there is no interest. I have XXXX separate promotional balances I am paying and all XXXX have different expiration dates ie, the date where no interest will be incurred if the balance is completely paid on that promotion. I received a statement last month stating a balance was due to expire ( ( {$540.00} ) and I sent {$300.00} expecting I would send another {$300.00} this month - pay off that balance and apply some money to another balance that is not due to expire until next year. Instead, they split my payment and applied only {$100.00} to the expiring balance making my payment this month {$430.00}. When I called them, I was told my payment would actually be {$430.00} plus {$210.00} ( the minimum balance ) to avoid interest charges on this particular promotion. This is outrageous and intentionally sets consumers up to 'fail ' so that they incur all these interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered a combo internet/sattellite dish cable package from XXXX. XXXX said that XXXX needed to come install a line for the internet before they could do their install. XXXX came out 1 day, and less than a day later XXXX came out. They told me that they could not install a dish on my property because they could not find a place that had a satellite signal. They cancelled my service ( no problems with them so far ). I immediately contacted XXXX ( while the dish person was still at my house ). I wanted to make sure I got my small deposit back ( I did ). I returned the equipment that had been left at my house ( I originally thought this was the source of the bill, but it was n't ) What I did not anticipate was a bill about a month later. I was n't even sure what it was for & XXXX could n't even tell me what it was for for about 3 or 4 months. I have XXXX bill that says it was for the service. I attached this. I was told not to pay by a representative, so that we could get it straightened out. I was reported to a collections agency. Then I was told that it was for the installation of the line ( that is n't what the bill says - it indicates a months worth of service and state tax, but the collection agency record says XXXX XXXX XXXX wireline ). Finally I was able, 6 months after the fact, to get a supervisor at XXXX XXXX XXXX to tell me my bill was XXXX & that I do n't have an account anymore and do n't owe them anything. She assured me that it would be reported to the collection agency. It was n't. I am still being hounded. XXXX XXXX XXXX has refused to provided me written proof that I do n't owe them any money ( something I can send to the collector and the credit bureaus that probably have this record ). I have asked them to mail me something, fax me something, but I am always given a runaround ... for instance : this has to go to another department first, and other nonsense. The company is so large and so disorganized, I do n't know where to go to get a resolution. I have lost days of time ( phone calls up to 5 hours long where I 'm passed around, hung up on, etc. ) I have great mental anguish. I refuse to pay the {$200.00} that I do n't owe just to get them to leave me alone. I would feel like a loser. The calls wake me up every day ( I work night shift ). I had gone 6 months without hearing anything, and thought XXXX XXXX XXXX had finally done what they promised, but I started receiving the calls again & received a bill in the mail ( again ) after 6 months of silence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, Transunion, and XXXX ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders onXX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, Transunion, and XXXX ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advanced Collection Bureau, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

The last negative item due to the identity theft is for an apartment complex lease I did not authorize, know about, or execute myself. I disputed this directly with the apartment complex and forwarded their management a copy of the police report. They asked me to also send a copy to this debt collector, which I have now done through the official CFPB portal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: My credit card has been fraud antsy charged for XXXX year for XXXX without my permission. I went to bank spoke with banker and they were going to contact XXXX and investagate thus far I have not reviewed any assistance or refund reflecting my credit card. I did not authorize the transaction at all. Nor do I watch XXXX. Please help me to find out why Bank of Anerica is negligent in following proper ethics and XXXX in credit card fraud reflecting their bank issued card?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TN).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX 2015, I was issued a mortgage modification from USbank with an interest rate of 4.95 %. The mortgage is a XXXX XXXX mortgage. According to the XXXX XXXX website, banks who service XXXX XXXX loans must use their standard interest rate on all modifications. On XXXX XXXX, 2015, the XXXX XXXX rate was 4.125 %. A month prior to that it was $ 4.0 %. Why is there a discrepancy between what what XXXX XXXX is issuing and what my Usbank ( the servicer ) is charging me? Many thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted today at work by XXXX, claiming to be a debt collector and that this was a personal business matter, however the caller did not state who they were, what the debt was, nor would they verify the information that asked about. This same number has called my cell phone, with the same lack of information. They are asking me to verify personal information, and want me to answer their questions, however when I ask for a reverse verification they state that they are unable to provide me the information that I am asking for, unless I provide them my personal information.

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