milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX liens showing up with XXXX which only list XXXX Release of tax lien XXXX {$23000.00} and TransUnion XXXX same {$23000.00} different doc numbers and TransUnion also list XXXX $ XXXXThese were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account # XXXX for Department of XXXX was official discharged on XX/XX/XXXX and TransUnion continues to state that the creditor has reported to them that the account status as of XX/XX/XXXX is XXXX days past due. When I contacted XXXX they indicated that they have not reported on that account since XX/XX/XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about XXXX times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be XXXX days past due as of XX/XX/XXXX if I no longer owe on that account?

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 01/23/2018 about Debt collection (Medical debt) with DRS Financial LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter from this company called XXXX XXXX XXXX about a year ago and I went to their website thinking I needed to pay. However, after looking on their site, it contained a lot of incorrect information about me. I began investigating the charge and it was claimed while I had insurance. I looked through my insurance to see if I ever received a charge from them and I never did. On top of that, I never went to the office they were requesting payment from. 

I then began looking into the company and found this site XXXX XXXX XXXX XXXX   They are a fake scam company that tries to scare people by using a statement that looks real and then have people pay them directly on their website. After reading the site, I decided to ignore the letter and throw it away. 

Months lately, XXXX was hacked and through that I was able to get a year of free credit monitoring. I received an e-mail recently saying that my credit score dropped. I logged into the XXXX  site, XXXX, and saw that my credit of XXXX dropped to XXXX. Apparently there was a collections filed against me by no other than XXXX XXXX XXXX! I have contacted the XXXX Credit Bureau to see if there was anything that can be done and they were unable to help me. I am now trying to dispute this collections as well taking the necessary action to report these people so that this doesn't happen to others.

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 07/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Other

Complaint: One of the main reasons I applied for the BarclayCard was their Extended Protection Program -- a feature that doubles, up to one additional year, a manufacturer 's warranty on products purchased with their credit card. The first time I took advantage of this feature, XXXX/XXXX/XXXX, I faithfully submitted all required documents, as well as additional ones BarclayCard 's agent requested. The manufacturer 's warranty ( an XXXX Watch that the Genius Bar worker admitted had a manufacturer 's defect ) had expired two weeks prior to the watch partially disintegrating. BarclayCard denied the claim, and after I sent them a letter telling them to either pay the claim or close my account, they attempted to reimburse me by filing a false {$370.00} dispute for the date of the original purchase ( XXXX/XXXX/XXXX ). They filed this dispute without my knowledge or permission and damaged my reputation with XXXX. ( I am an XXXX with apps downloaded and sold in more than XXXX countries. ) I think you will understand my concern for this false dispute by the fact that an executive from XXXX XXXX 's office called me yesterday to discuss the matter. 
I want BarclayCard to honor their committment under their " Extended Protection Program '' and reimburse me {$210.00}, the cost of having the XXXX Watch repaired. I also insist that they write an apology letter to XXXX, stating that they, not me, incorrectly issued the dispute for the original purchase of {$370.00} on 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 04-01-2017 about Credit card () with NAVY FEDERAL CREDIT UNION (CA).
Issue: Other

Complaint: I have has an account with Navy FCU for over 20 years. I have never missed a single credit card payment and often pay hundreds if not thousands over the minimum payment. This month an automatic payment was made, at the time it actually coverd the 2 % of the balance as a minimum payment. However, NavyFCU, as you know from last year 's lawsuit, uses many illegal ways to make more money. They rebalanced the account prior to the payment posting and the payment was XXXX short. Instead of any notice, Navy FCU froze the account for only XXXX and 5 days past due ( only XXXX due ). They provided no notice, nothing, even after I have NEVER missed a payment. When I called the " Manager '' hung up on me and was extremely rude. Additionally, even after a payment, the refused to unlock the account. They claim the system is automatic and Navy FCU has no control over anything. As you know they have EXTREMELY aggressive systems in place to lock down accounts and do nothing to resolve it. I would ask that you investigate them 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 07/29/2017 about Mortgage (Conventional home mortgage) with Paramount GR Holdings, LLC (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX reported that XXXX XXXX XXXX XXXX ran credit checks on the following dates : XXXX XXXX, 2017 XXXX XXXX, 2017 ( twice ) XXXX XXXX, 2017 XXXX XXXX, 2017 I emailed them to cancelled the refinancing mortgage loan o X/XX/17. These items are significantly have lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I completed  XXXX   XXXX   XXXX  in  XXXX , my Private and regular student loans we 're placed in deferment, I started making payments in  XXXX , then I had to file Bankruptcy in  XXXX , so my loans went back into deferment. I started  XXXX  University in  XXXX  for my  XXXX   XXXX , I graduated in  XXXX   XXXX .  Navient Student  Loans started contacting me  XXXX   XXXX  regarding payments for both student loans, I told them I was starting  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  and needed my loans placed in a forbearance, I was promised that if I made payments on the interest of the loans, they would n't go into default until  XXXX   XXXX  started, then the College would submit status that I was in school and my loans would go into forbearance.I made the payments over the phone with my checking card, and I received a Bill via, E-mail stating my payment was due to to be auto withdrawal from my bank account. When I made good faith payments supposedly towards the principal of the loans, Navient put my account in automatic payment plan and attached my checking card, which I did n't give them authorization to do. Navient is fraudulent in their scope of practice, and I wa n't a investigation into this matter.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (CT).
Issue: Fraud or scam

Complaint: I had tried and order these few pair of replica shoes from a XXXX website and from the time I sent the payment thangs where heckled I Attached a few emails that was from western union also from the receiver

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: We have a home equity line of credit of XXXX originally thru XXXX XXXX. which i have original paperwork. with XXXX only payments and a balloon payment at the end of term, which was XX/XX/XXXX originally date of loan XX/XX/XXXX. In XX/XX/XXXX we contacted BOA who now owns loan, for help with this, which we 've had numerous representatives or case managers. finally in XX/XX/XXXX of this year, XX/XX/XXXX we were granted a 40 year amortization loan. we sent back required forms thru XXXX, BOA never received it. I had to call XXXX to confirm delivery to BOA, which i did told BOA that our paperwork was delivered to them. XXXX weeks later they found the pkg, but by then it was too late and we had to start from scratch. Now we got notification that we were denied the loan modification, due to no interest only loan and no balloon payment. which like i stated i have the original paper work, for proof. They do not want to listen, do not agree, i offered to send copy of paperwork. I now have left message with last caseworkers XXXX, waiting on a call back. The case XXXX XXXX XXXX, XXXX of many we had, stated the decision is final and we can be put into foreclosure, even after attempts to change decision. this is when i asked to be put in touch with a higher up, his XXXX. I am now waiting for a call like i said. They are deceitful and unorganized, lose paper work also not having the correct paper work. I am doing everything i can to keep our home of 35 years.

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 02/16/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio RC showed up on my XXXX XXXX report for both reporting agencies. On XX/XX/XXXX I called the number and asked for information regarding the alleged debt. I spoke with XXXX XXXX who could n't find the debt. She found a XXXX XXXX XXXX collection dated XX/XX/XXXX and the information did not match up to me. I told her that my credit report reflects XXXX in the amount of {$680.00} and i currently have an account with them with a XXXX balance. She transferred me to XXXX who could n't find the debt, however XXXX told me that I had to send in a copy of my credit report so that I could prove I was n't the debtor. On XX/XX/XXXX I called back and spoke with XXXX. She did n't find a debt. She transferred me to XXXX in disputes. He checked the XXXX and reported that it was purged in XX/XX/XXXX. He told me that I had to prove that there was on my credit report because he did n't find the debt. I emailed a screen shot of their company on my credit report. I followed up that day and spoke with XXXX XXXX who checked and checked and found nothing. She put notes on my file that there is nothing there and the mark should be removed from my credit report. I called XX/XX/XXXX spoke with XXXX who said he would n't do anything I just have to wait. I have no idea what I was supposed to wait for. I called back and spoke with XXXX. I was honest and told them that I was contacting this agency. XXXX got XXXX who is a manager. XXXX looked and looked and found nothing. He told me that he would look deeper and call me back in 2 hours. He did n't call so I called back. I spoke with XXXX XXXX and asked for some record that I owe anyone anything. He said he had nothing to show me at this time and I would just have to wait up to two weeks for them to find something.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (I do not know) with The CMI Group, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I do n't know what credit management, l p I have like  XXXX  or  XXXX  charges in collections from them. I do n't remember dealing with a company like that please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Managing, opening, or closing account

Complaint: Closed and pulled money from the account to make it a zero balance. Had told me prior on the phone that they would send a check for the amount of the account. 

After months of not receiving a check, I called them again and the representative told me that the account was permanently closed and the money returned to where it came from and that I would not be receiving a check. She could give me 'no further information '.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was a victim of identity theft/fraud. Without my knowledge, all of my accounts were compromised at some point. By the time it was brought to my attention the damage was done and the account was sold. I reached out to XXXX, XXXX XXXX XXXX , XXXX and provided the sufficient documentation they needed in order to conduct their investigation. their investigation has been completed and they stated that I 'm no longer responsible for this debt due to fraud and has deleted this account from my credit report. They also advised me to reach out to XXXX to have them remove this account as well so I did and the only advice i receive is that they no longer own the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have previously disputed these items with the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CHASE BANK USA, N.A. without my verbal or written consent accessed my credit profile via XXXX XXXX and XXXX  XXXX ( XXXX ) separate times on at least these dates : XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I have on several occasions in good faith attempted to resolve this matter via documented telephone calls, U.S.P.S. Certified written NOTICES with Affidavit attached and emails, to no avail. I expressed my frustration with the situation and the several FCRA violations that were committed. 

At this time as an injured party I would like resolution and relief for these blatant violations and willful non-compliance as clearly stated in the FCRA. Also for CHASE BANK USA, N.A. to put  safeguards in place so this does not happen to any other consumers ... especially consumers like myself who have never had any prior Creditor-Debtor relationship with CHASE BANK USA, N.A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home XXXX XXXX, I have never refinanced my home and my mortgage has ALWAYS been escrowed. My current servicer is PNC Mortgage and my previous insurance company was XXXX XXXX XXXX. Im not quite sure of the dates but this is how PNC and XXXX XXXX explained the timeline. 
Around XX/XX/XXXX- XX/XX/XXXX there was an additional payment that was requested from XXXX XXXX for increased dwelling. Somehow PNC never got the request so a notice of cancellation was sent to PNC XXXX XXXX PNC calls the insurance broker for XXXX XXXX and spoke with XXXX . XXXX confirmed my insurance policy was still active XXXX XXXX PNC sends a check to XXXX XXXX XXXX for the renewal payment but the check gets rejected. Once PNC calls XXXX XXXX again, they told PNC that they cancelled the policy XXXX XXXX PNC puts forced insurance on my property from XXXX XXXX to XXXX XXXX for nearly {$3000.00} a year! 
Now for the last 3 months PNC increased my monthly by $ 300 monthly! NOT TO MENTION THAT I DIDNT RECEIVE A SINGLE PHONE CALL UNTIL AFTER FORCED INSURANCE WAS PUT ON THE PROPERTY ( funny how the timing favors PNC! ) I have called both companies multiple times and they always respond with " Let me investigate this and get back to you sir '' I havent received a single phone call from anybody. Im sure {$300.00} a month is nothing to PNC and XXXX XXXX but it is for me. 
Both companies just sit there pointing the blame on each other when IN THE END I GET XXXX WITH A HIGHER PAYMENT!! 
PNC even paid XXXX XXXX when my loan got transferred for a renewal on the previous insurance policy. Ive NEVER had a late mtg payment, my mortgage is ALWAYS escrowed but the way they are handling this, its just not right. I feel very taken advantage of when I did not do anything to cause any of this. Escrow accounts are the responsibility of the servicer, that is why I paid extra monthly. The agreement in the beginning is to trust my servicer to pay for my taxes and insurance when they are due. Im sorry but this is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (I do not know) with Data and Contact Management Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am personal representative of an estate and contested a bill in writing. The company never responded to the letter and although the contested amount was removed from the account in XXXX never notified me. I paid the amount through a direct debit on XXXX XXXX, 2016 and was assured a letter clearing the claim would be issued within 14 days, I called againXX/XX/XXXX2016 and was assured a letter with copy to me would be sent ( never received ) called again XXXX/XXXX/2016 and was promised a letter ( not received ). The lack of a release of the claim is not allowing me to proceed to close the estate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I noticed that my hard inquires were deleted on my Trans union account and then a few days later they were added back on without prior written notification.

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 01/25/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Confusing or missing disclosures

Complaint: I made a wire transfer of {$2000.00} us dollars on XX/XX/XXXX at XXXX XXXX PT. The company policy about wire transfers clearly states that wire transfers made before XXXX XXXX PT will be credited same day, as today XX/XX/XXXX my money has not been credited on my account, i tried to reach the customer support but they were kind of rude and their answers were vague and not clear ( they do n't know a time frame to be resolved or if it 's going to be solved ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (KY).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On XX/XX/XXXX I bought a netSpend card at XXXX for {$2.00} and loaded {$55.00} on it. I wanted to do some online buying. When I tried to register it they wanted copies of my ID, Social Security card, pay check stub, or other government paperwork with my address. Reluctantly I sent them my ID ( invalid-out of date ), my SSC ( accepted ), and a SNAP review ( invalid-over 30 days old ), four months of rent reciepts ( rejected ). Later I sent them my XXXX XXXX ID ( rejected ) and a XXXX letter dated XX/XX/XXXX ( also rejected ). This is all the paperwork that I have. I am an XXXX XXXX XXXX that works part time. I get paid cash, there are no check stubs. It took months to save that money for some holiday spending. They say that this prevents money laundering. That would make sense if it were {$5500.00}, but not {$55.00}. netSpend has hijacked my money. Ther should be regulations as to the amounts that this criteria can apply. On the outer package it says they will need your name and address, your date of birth, and your SSN. It does n't say anything about copies of all this and other stuff. Thats got to be false advertising. I called for a refund today, they said it would take 10 business days.

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 02/17/2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: GM financial has failed to update my positive payment history since XX/XX/2017. I contacted GM three times about the issue. I was told they would update my credit reports. After no update, I was told I have to dispute the issue with my credit beuraus and it will take 30-45 days to see the matter resolved. This is their job to report. I made the payments on time for the last three months.

Company response to consumer: Closed with non-monetary relief