milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I submitted a letter to dispute inquiries on my Transunion credit report. I talked with XXXX XXXX and XXXX XXXX on XX/XX/17 at XXXX XXXX central time. They informed me that Transunion does not dispute inquiries and I asked why not since the inquiries are a part of my credit profile? They said because it was a part of their policy not to dispute inquiries but neither could give me a specific policy to validate their claim. I disputed these inquiries based on full disclosure. I stated in the letter that the inquiries I was disputing did not explicitly state that the inquiry would result in a hard inquiry on my credit report. Transunion refused to go further and has already sent a letter a day after receiving my dispute. For that reason, I am filing this complaint for Transunion to do their job and investigate and obtain proof that I was given full disclosure regarding these inquiries.

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 01/20/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (IL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I opened the account with Coinbase.com in XX/XX/XXXX. I wire transfered money to that account in order to purchase Bitcoin. I stored purchased Bitcoin in digital wallet based on their website, Coinbase.com. I forgot my password and tried to reset it, they asked to do it from the same device I used to open the account, but I do not have that device which was my old laptop. Now I spoke with Coinbase on the phone 3 times since I initially contacted them to reset the password, which was in begining of XX/XX/XXXX. They informed me that my request will be handled by specialist and they will send me an email with link to reset the password. It 's been over month and a half and I called again only to hear the same thing. I wanted to invest money into bitcoins and lost good opportunities since that time, now I am afraid they just wo n't ever answer. Please let me know if you can help me to gain access to my account, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I made many attempts to access my credit files with Equifax between XXXX - XXXX XXXX, but it was hard @ first for me to get into the system online. I was told to answer some questions concerning my Identity before I could gain access to my files. I answered all questions correctly but was told my responses were incorrect and in order to access my file I needed to send in drivers license and other documents. I signed up for a trial membership under Equifax online and was able to access my files. When I was finally able to access my files online, I was not able to add comments to my dispute because special characters appear rather words. Since XXXX XXXX, XXXX I have filed XXXX disputes with Equifax and have received sixteen ( 16 ) e-mails informing me that my complaint had been received or the dispute was completed. These are the e-mails I received ; Wed. XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Monday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Friday XXXX/XXXX/XXXX and today Monday XXXX XXXX. What is so strange every time I went to the Website to view the files I was always denied. It would take me back to step XXXX to start over. I consider these activities to be either fraudulent or harassment. I was told others they have experience similar situations. There are things in my file now that I have disputed that was changed from closed to collections over the last few days. My credit score do not move no matter how I pay my bills on time and keep a low credit utilization. I believe something is going on with Equifax practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I am involved in a Foreclosure sale and need it dismiss due to fraudulent documents used by the bank which is Bank of America. I sent them a letter to validate the account on XX/XX/XXXX, and they have not sent me anything to validate the debt as I requested. My account number with the Bank on this complaint is XXXX.  They sent a letter stating they needed more time to research the matter, but have not validated the account as first requested as of this date of XX/XX/XXXX.  I need the Foreclosure sale date of XX/XX/XXXX, at XXXX XXXX dismissed and canceled since the debt has not been validated and they were giving fraudulent documents to the lawyer handling the Foreclosure sale. The Law firm is located in XXXX, North Carolina and is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX and their phone number is (XXXX) XXXX. They have failed to answer a certified letter and numerous voice mail's left them. In one instant, they said I would have to contact the Bank, but the Bank is just stalling and taking their time to respond to my letters concerning this matter.  They had 30 days to validate the debt and they did not do so, so I request the Foreclosure Sale be canceled and dismissed at this time. The Lender on the Note and Deed of Trust they are using to foreclosure is a ficticious Lender and is not Bank of America so they have no Security interest in the loan and did not fund the Loan in the first place.  The Lender listed on the Note and Deed Of Trust did not have a Business  license's in the State of North Carolina in XX/XX/XXXX do even be underwriting or funding loans and is ficticious to start with.  I am still working with the Bank but need this Foreclosure sale on XX/XX/XXXX at XXXX XXXX to be canceled and dismissed at this time until this situation can be worked out the myself and the Bank. They also have changed theTrustee handling the Foreclosure but the Notice of Sale came from the Original Trustee not the one that was filed later but they are listed on the Notice of Sale letter dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dovenmuehle mortgage transfered my loan to XXXX with an incomplete file ... for 3 weeks I have been unable to make any progress on getting {$7000.00} of my insurance money on a completed project ... can not no progress after hours on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am currently a borrower with Heartland ECSI as the administer of a loan originating from XXXX College. 

Through the course of my relationship with this company, they have made it consistently difficult for a borrower ( me ) to make payments. These difficulties have resulted in the accrual of late fees, which I suspect is the main intention of this company. 

Their actions have included ( 1 ) not allowing users to make payments on their website ( multiple processing errors on multiple days on various web browsers ) ; ( 2 ) when payment has been able to be processed, making it impossible to schedule the payment ( and recurring automatic payments ) on the correct dates thereby incurring late fees. On top of this, their customer service is inaccessible or incapable of remedying problems. For instance, outside of live customer service hours, the company 's online option to leave a message ( because it is after customer service hours ) leads to a screen stating that customer service is closed so you can not contact them ( NOT LEAVE THE MESSAGE? ). 

This is a pattern of practice intentionally engaged to take advantage of borrowers and increase profits through the unjust accrual of late fees. This company should be penalized and shuttered.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion will not investigate to verify the XXXX XXXX bank cards are closed and paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX BANK Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$59.00} 30 % of Credit Limit* XXXX Credit Card XXXX XXXX, 2015 Open - Current No Missed Payments {$130.00} 66 % of Credit Limit*

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 05-12-2016 about Mortgage (Home equity loan or line of credit) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had an ongoing issue regarding my mortgage which ended up with Caliber, prior to which it was with multiple other services. 

For some reason, over the years, I find that forced property and flood insurance ends up on my account. This has happened not only with Caliber but servicers prior to Caliber, even though my property is not in a flood zone. 

Forced placed insurance was recently put on by Caliber in early 2015, after which I called them and told them about the problem. They admitted their error and insisted that the loan had to be " modified '' in order for the forced place insurance to be removed. Even though I volunteered to make my monthly payments as usual, the rep told me that during the modification, I am not to make any payments and that I would be contacted once the modification had been completed to alert me payments were due. 

I was sent statements and began to make payments when my loan was modified after XXXX 2015. However, on recently checking my credit report I found that Caliber has marked me 90 days late from XXXX 2015 on my credit report. I have brought this issue up with Caliber recently, unfortunately their loan modification department replied that they had accurately reported the account as late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Checking or savings account (Checking account) with KEYCORP (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Saturday XXXX XXXX XXXX. I deposited a pay check into my checking account in the amount of {$1400.00} through the atm as the bank was not yet open. Knowing I 've done this and it takes a few days for this transaction to happen and not needing to use my card or money. I eventually started using my debit card for every day purchases. i.e. gas, and water and food for work so I can make more money! Well I went to use my debit card today on Saturday XXXX XXXX at my local branch, and my statement was telling me I was negative {$440.00} dollars in my account. That 's negative XXXX dollars? .The bank is not open at this time, so I call a XXXX number for this bank, by the way is Key Bank and I live in XXXX XXXX Or. And they are telling me this paycheck is still on hold? With no reason for why! So I go down to the bank again as it 's XXXX XXXX and the branch is open. I speak with a teller and ask to see a manager but eventually tell the teller my reasons for coming in. She says that I would have to goto the branch I opened my account up at? I eventually do get to talk to a XXXX? A XXXX XXXX XXXX. he opens his computer and is questioning why the check is still being held. But found out this held paycheck wo n't be released till Tuesday XXXX XXXX? That 's 1 week and 3 days from the time of deposit and states that I will have to wait till then, Tuesday XXXX XXXX XXXX to get any resolution to this matter. In the mean time I have my life to live and my payments to make and being negative XXXX dollars in my account these fees are just climbing because they are accruing as this check is being held. I feel I 'm getting the run around and my local branch is still telling me to goto the original branch where I opened my account? That 's kinda impossible!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, Experian, and XXXX. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.

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 01-06-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: By letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX ; LVNV Funding ( letter attached ) notified me in writing " ... if you notify us in writing within 30 days of receipt of this letter ... we will obtain verification ... provide it to you. WE WILL CEASE COLLECTION ACTION UNTIL WE SEND YOU VERIFICATION. Letter dated XXXX XXXX, XXXX ( copy attached ) and Signed Receipt by LVNV Funding dated XXXX is attached. I notified LVNV Funding in writing effective XXXX XXXX, XXXX that i disputed the Debt and they were to provide me validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA bars any further collection activity until the validation has been sent. A letter dated XXXX XXXX, XXXX ( letter attached ) from XXXX XXXX XXXX XXXX XXXX XXXX is attached stating the LVNV Funding had assigned the delinquent account to them for collection. Further, LVNV Funding has continued since the XXXX XXXX, XXXX receipt of Dispute and Request for providing validation IAW FDCPA to report the Debt as a collection action to all XXXX Credit Reporting Agencies. LVNV 's assigning of Debt XXXX XXXX XXXX XXXX XXXX XXXX and their subsequent action without first validating the debt since requested in XXXX are express violation of the FDCPA. Also this is a TIME BARRED DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation XXXX breach has caused me all kinds of damages inquires that not mine and experian has not removed the inquires that are not mine i sent them documentation a billion times with the police 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 06-08-2016 about Consumer Loan (Personal line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Managing the line of credit

Complaint: Wells Fargo reported a late status on my account on an account that is already paid in full and has no balance

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 12-05-2017 about Debt collection (Other debt) with De Lage Landen Finance, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This will follow my previous CFPB Complaint No. XXXX regarding XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX Lease Agreement No. XXXX. In that complaint I disputed XXXX predatory 60-Day lease renewal practices which cost me an additional {$10000.00} in leasing payments after the expiration of my 24 month agreement. XXXX finally after 6 years offered me a buyout for my XXXX XXXX in the amount of {$54.00} which I remitted and it cleared XXXX bank account on XX/XX/XXXX. 

I have attached a copy of the negotiated check for {$54.00} payment. Per XXXX Quote No. XXXX, the payment was not due until XX/XX/XXXX. XXXX responded to the first CFPB complaint on XX/XX/XXXX, several days after they had received my buyout payment and falsely stated they had not received the payment. XXXX generated another invoice for the month of XX/XX/XXXX for {$230.00}. It is obvious that XXXX misrepresented the payment and accounting history of my account on purpose just to generate additional billing or to attempt to renew my lease term for another 60 days to benefit their company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Medical debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: We were contacted by Chase that they suspected credit card fraud on our card for {$5.00}. We verified the other purchases by could n't verify that one that they stated originated from XXXX. Our credit card was immediately stopped and they mailed a new credit card to us.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (DE).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In XXXX of XXXX I lost my job and fell behind on alot of my accounts. Finally on XXXX XXXX XXXX, I paid off all my accounts. On XXXX XXXX XXXX Synchrony Bank sent me a letter stating that they were closing my Care Credit account basing their information on a XXXX XXXX XXXX Credit report which would have been outdated at the time. This does not seem fair.

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 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I moved out from XXXX XXXX in XXXX 2014. I received notice in XXXX 2014 that I owed various items, which were illegal in the state of XXXX to collect - such as re-painting the walls. I contested the charges with apartment complex. XXXX months later I received notice From XXXX, they simply sold the debt to a collections agency and did not call or work with me on my request for more info or to resolve. XXXX became aggressive to collect despite requests to resolve. I hired an attorney who sent requests to XXXX and to XXXX to provide sufficient detail regarding what was being collected, and within the law, they had 30 days to respond. Neither party responded to the party within the allocated timeframe. As such, the debt is invalid due to lack of response from EITHER party. I have disputed this debt with XXXX and provided information and they removed it XXXX and XXXX need to remove this debt as well, but refuse to because XXXX continues to state this is a " valid '' debt despite proof that we have attempted to resolve this in the legal forums.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Money transfers (International money transfer) with CITIBANK, N.A. ().
Issue: Money was not available when promised

Complaint: I transfer my Money from City Bank on XX/XX/2017 to my account in XXXX i have my voucher, It says the money will be on XX/XX/2017.however it never arrive to my Account in XXXX. i have to pay bills and i really neddd your Help. 
Please could you inform to the encharged People. 
My Id as a XXXX is 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 01-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I was sent a letter by Chase Home Finance stating that they was canceling the entire amount i owe on my mortgage loan and that I owe nothing more on the loan. I also was sent a copy of a Corporate Deed of Release from Chase that went to the City goverment for recording. I called Chase they told me I owe nothing else. I received several phone calls from representive of Chase telling me they made a mistake. Chase had been telling me all year that they made a mistake after sending me letters after letters of false hope while waiting a loan modification. At the same time they sent me the letter stating i did n't owe anything, they told me my modification was approved and that they reversed the cancelation of morgage dept. I have copies of all the letters sent by Chase this year including the corporate deed of release and escrow letter stating that I have XXXX in escrow and that they were sending me a check and later to be told that they made a mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar has not completely responded to several Requests for Information under RESPA. See attachment for the latest request.

Company response to consumer: Closed with explanation