milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Transunion explaining to them that this collection account does not belong to me. Transunion sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Transunion needs to delete it from 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 01/25/2017 about Student loan (Federal student loan servicing) with Student Assist Plus LLC (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am in the process of paying back my student loans. I was unsure of how to go about repaying at a price that I could afford and I got a notice in the mail about student loan help from a company called Student Assist Plus. I did not see anything bad about it on the internet so I decided to give them a call. I was also told that I qualify for the loan forgiveness program by going through them and can also receive low payments for my debt. I did not think anything about all the information that I gave them thinking that it was all associated with my loan debt, however they consolidated all of my student debt and I had a low payment for my loans. I recently contacted Federal Student Aid because I had a problem with my account.The lady that I talked to basically said that I have been scammed because not only was Student Assist Plus listed as a third party on my account giving them access to all my personal information, but the consolidation and access to low payments for my loans is a free service that I assumed that I had to pay for, which was a mistake. I ended up paying so much money that could have went to my loan repayment but instead it all went into somebody else 's pocket. They also have all my personal information and access to my bank account. Lesson learned from this? Contact your loan service first before making in drastic decisions. Do n't just assume just because it came in the mail or that it does not have any negative press on the web that a company is creditable.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had contacted experian to remove a account from XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me. I have documentation from my XXXX account sign in.

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 02-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My home is currently under a foreclosure process, but I have been taken advantage and been treated unfairly as I have been assessed unfair fees, and was a homeowner subject to both unfair debt collection practices and predatory lending practices of my original lender HSBC ( Appendix B ). My state of Illinois and XXXX County attorney general filed former suits against HSBC, and subsequently they have quietly attempted to transfer ownership and obligation to another entity - XXXX. 
Without my knowledge or consent, my home was transferred to a private entity, XXXX XXXX XXXX XXXX, from a private sale for homes under distress. My servicer is now owned by XXXX, a global private equity fund, and is owned by a XXXX named XXXX. 
So XXXX has bought my mortgage in bulk auctioned deal, at a substantial discounted rate and has even been paid a big chunk of money that came out of my mortgage insurance. By not discounting the principal of my loan, the rich investors behind the XXXX make a windfall off of me. In addition, HSBC has continued the lawsuit under the representation that it is the owner of the loan without notifying the court that the ownership has changed. 
This can be confirmed and are on record from XXXX 's financial records website ( See Appendix D ). This entity has even represented themselves as being with XXXX as Trust for XXXX, however my lender and servicer are still listed as HSBC and XXXX respectively. I am advised that under XXXX, my mortgage could be considered a non-negotiable instrument. 
This practice is very unfair - how is it allowed that the private equity bigwigs get to buy my loans at a subsidy ( HUD ), but as a homeowner with a home under water, I do n't get a subsidy when trying to save my own home. They are profiting off of my distress. 
I have tried to work my old and new lender/servicer over the last year plus, but have not gotten any resolve or assistance. I have worked with my servicer and lender directly, HUD, XXXX County Foreclosure Mediation ( Honorable Judge XXXX XXXX ), and private consultation with an attorney. I was consequently advised to contact my local Congressman, National Association of Consumer Advocates, and Consumer Financial Protection Bureau on this matter. 
I am a previously unemployed, divorced father with XXXX children XXXX XXXX old, XXXX in college, XXXX, and XXXX elderly parent ( Mom, XXXX ) who I support and live in the home. My last few correspondences have only resulted in me being told to do a short sale or deed in lieu - transactions that would only benefit the lender/servicer. I was recently even told that a modification would not be considered due to the status of the loan and the fact that it 's severely under water.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I sent {$13000.00} from XXXX XXXX XXXX XXXX Coinbase Inc on XX/XX/XXXX, here is the receipt, We have successfully sent the following transfer : XXXX Item # : XXXX Amount : {$13000.00} To : Coinbase, Inc Fee : XXXX Send on Date : XX/XX/ Service : Same Day ********************************************* Coinbase owns XXXX, and it promised that " Bank wire transfers may be credited to your XXXX  account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' I've contacted XXXX and it's been about 2 days but nothing shows in my account. 
My XXXX account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (I do not know) with A.R.M. Solutions, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous letters from A.R.M Solutions INC stating that I owe {$9.00} for a delinquent account from The XXXX. I entered into an agreement to receive limited issues of XXXX in 2014 ( estimated ) through a XXXX door to door donation special. Through my donation I was set to receive a specific number of issues of the XXXX. I did not sign up for or agree to receive any additional issues or extend my subscription. However, according to them and A.R.M. Solutions I owe {$9.00}. I believe this is an illegal process on the part of XXXX. Forcing me into purchasing additional subscription, without my permission or expressed willingness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: In early XX/XX/2018, I tried opening an account with Citibank and was approved online. Following that, I got letters about my account number, a signature card and providing a state Driver 's License/ID. I immediately responded with a state ID and driver 's license and the signed signature card. I need the debit card to actually use the account and deposit into it as it's required for registration online. Nearly a month goes by and today I call Citibank to ask why I haven't received any feedback or my debit card. It turns out they " rejected '' my ID and DL for being " too dark '' and that they couldn't " read '' it. They were perfectly legible and I think this is a deliberate strategy on the part of Citibank to structurally prevent people from opening accounts. I tried opening a Citibank account years before where I faxed the same ID or DL five times because they kept claiming it was " too dark '' and they couldn't " read '' it. I have faxed a lot of material to banks and other companies over the years and only Citibank has this problem. The customer service agent I talked to confirmed this as he said a lot of IDs were rejected and this was the most common reason. This is deliberate discrimination and I have really soured on doing any business with Citi because of these types of games. I expect this to be corrected or me and my spouse will cancel all our credit cards as Citi is the worst.

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 Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: REFERENCE : ACCOUNT FOR XXXX XXXX XXXX Best Buy ( TM ) Credit Card XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX TO WHOM IT MAY CONCERN : TWENTY MONTHS AGO MY WIFE AND I BOUGHT A DRYER AND WERE ASKED IF WE WOULD LIKE TO USE THE 18 MONTH NO INTEREST PROGRAM. WE WERE APPROVED AND BEGAN MAKING OUR PAYMENTS. OVER THE NEXT FEW MONTHS WE MADE SEVERAL PURCHASES UNDER THIS LINE OF CREDIT. WE CONTINUED TO MAKE OUR PAYMENTS WITH THE IMPRESSION THAT WE WERE PAYING OFF THE PREFERRED DEBT. OUR PAYMENTS WERE ALWAYS ON TIME AND MANY TIMES MORE THAN THE MINIMUM DUE. WE ENROLLED IN AUTOMATIC BILL PAY AND AUTO DRAFT AS WELL. STILL THINKING THAT WE WERE ON SCHEDULE TO PAY OFF THE PREFERRED DEBT. LITTLE DID WE KNOW THAT THE PAYMENTS THAT WERE MADE WERE NOT GOING TO PAY OFF THE DRYER, THEY WERE APPLIED TO THE OTHER PURCHASES. THIS WAS NEVER EXPLAINED TO US UNTIL I NOTICED OUR BALANCE WENT UP BY {$700.00}. THIS WAS THE INTEREST CHARGE THAT WAS PLACED ON THE ACCOUNT BECAUSE WE FAILED TO PAY OFF THE DRYER. I REACHED OUT TO BEST BUY CUSTOMER SERVICE AND SPOKE TO XXXX DIFFERENT LEVELS OF MANAGEMENT AND THEY EXPLAINED HOW SORRY THEY WERE THAT WE DID NOT UNDERSTAND THE PROGRAM BUT THAT NOTHING COULD BE DONE. THE WHOLE TIME WE THOUGHT WE WERE PAYING OFF THE DRYER, WE PAID NO MORE THAN {$240.00} OF THE ORIGINAL BALANCE. WE HAVE THE MEANS TO PAY THE BALANCE OFF AND WOULD LIKE THAT OPPORTUNITY TO DO SO WITHOUT THE INTEREST CHARGE, THAT IN MY MIND WAS DECEPTIVELY PUT ON THE STATEMENT. IN ORDER TO RESOLVE THIS MATTER, I REQUEST THAT SOMEONE CONTACT ME AS SOON AS POSSIBLE SO THAT NO FURTHER ACTION NEEDS TO BE TAKEN. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX 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 07/16/2017 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: XXXX  credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX  / XXXX    XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed the claim that i owe XXXX a bill and it was deleted per a XXXX dispute i have made several times in XXXX and again in XXXX, per the FDCPA, the creditor had 5 days in order to let me know in writing that the debt is being reinserted in my credit report.I just received a letter from AFNI that I owe them a debt that was deleted from my credit report due to a dispute with XXXX via XXXX direct dispute. This has been disputed and removed several times. I divorced in late XXXX and explained to both XXXX and afni that this was a joint account, I also provided XXXX with a divorce decree and it was deleted. I do n't understand why I have XXXX instances of the same thing reappearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Delinquent account

Complaint: I deposited {$500.00} with USAA and received a secured credit card. I paid my balance every month and only had the card a few months before USAA close my account with no notice, now warning and tried to charge me some {$80.00} in late fees I did not owe. They took my {$500.00} deposit which was fine. I called and officially closed the account yet after a year and a half they still show my account was active with the credit bureau and constantly late and add amounts to the so called fees owed every month. This account was closed and should be showing as active and fees accruing. I want this corrected!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2017 about Credit card () with DISCOVER BANK (CA).
Issue: Other

Complaint: My issues with DFS/ Discover Credit Card came about from a simple inquiry and upon making that inquiry and array a very unpleasant situations took place and I am a very wary and unhappy DFS- Discover Credit Card member. IMO, DFS does not does not document ( provide documentation ) that is sufficient enough for those who chose to use their CC. Back in XXXX to XXXX, I found that I was not issued ANY statement AT ALL- there are 4 months of ZERO documentation, not even a electronic message- NOTHING that provides information in regards to card activity ( or lack thereof ). Granted YES, I understand that due to inactivity, some CC companies/ financial institutions will opt for not providing a statement, however ; I do believe that this needs to be stated prior OR should be CONVEYED to the credit card holder in the membership terms and agreements documents. DFS has failed to do so. Furthermore, upon viewing various statements- there are simply charges that DFS will indicate as ( ONLY ONE EXAMPLE ) - TRANSFER BALANCE- MISC. I am writing this because, I WILL NOT BE PAYING DFS- DISCOVER CC for such " items ''. I have contacted DFS SEVERAL TIMES about this problem- I have also brought this issue [ PARTICULARLY, the FACT THAT IT IS QUESTIONABLE TO ME WHY I WOULD HAVE 4 MONTHS OF STATEMENTS THAT ARE NOT RECORDED/ DOCUMENTED ] up when speaking with the Customer Advocacy Executive , XXXX- when speaking to him in regards to the first complaint that I had issued to the CFPB. According to XXXX, DFS- Discover Credit Card is not OBLIGATED to provide statements, and furthermore, informing DFS members prior/ or in the Cardmembership agreement is not really their responsibility- this is of course, what I personally, got from his wording during our conversation. I have the entire phone call between XXXX and I recorded, however ; due to the fact that I had informed XXXX that I would be recording our conversation, and him responding by clearly stating that I did not have his permission to do so- his response will just have to be up to debate between him and I, since this is essentially just TWO people hearing/ saying one thing, while the perception of that one thing can ultimately be up for debate. I am going to end this by stating that I WAS COMPLETELY UNAWARE THAT ONE SIMPLY INQUIRY IN REGARDS TO ME ASKING DFS TO KINDLY LOOK INTO A MAXIMUM OF A TWO HUNDRED DOLLAR DISCREPANCY, COULD TURN INTO SUCH AN ORDEAL. I am reaching out to the CFPB for its assistance, unfortunately, I am having difficulty trusting DFS/ Discover CC yet I am unable to cancel my account because I AM afraid that ALL OF MY DOCUMENTATION WILL NO LONGER BE ACCESSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Short sale was approved XX/XX/XXXX and loan was cancelled XX/XX/XXXX. I immediately retained another realtor XX/XX/XXXX. property put back on market and received cash offer, documents submitted XX/XX/XXXX to Wells Fargo. Made calls for status updates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they had n't submitted anything to HUD. Let messages for contact person, no callback. Even tried speaking to supervisor over person. Call transferred to voicemail. Contacting customer service they would just say they would have a callback because they didnt have information in notes that was updated. Contacted their Executive Resolution for assistance, still nothing happened till XXXX XXXX. HUD response was due to time frame was denying short sale which was approved before. I have asked for a detailed letter in regards to denial XXXX XXXX, XXXX, have n't received, said they are working on it. Now foreclosure process has started.

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 08-09-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (FL).
Issue: Settlement process and costs

Complaint: XX/XX/2014 I completed a short sale of my home. I recently observed my credit report and CitiMortgage is continuing to report to the credit bureau resulting in my credit worthiness and credit score to have a negative impact. I was able to confirm that CitiMortgage has no legal grounds to continue reporting this account to the Credit Bureau.

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 08/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: Derogatory Mark ErrorsA paid-off collections account is still showing as unpaid. 
An account that was closed and paid in full is still showing up under collections/remarks on my credit report. 

Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CAPITAL ONEAccount Type Credit CardAccount Status Closed - PaidOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status 60-89 Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
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: I made a purchase with a XXXX on XXXX XXXX 2017. The amount should have been {$79.00}. However, I was incorrectly overcharged by the company they charged {$190.00}. I have attached the advertisment for the wine ad below. My credit card company chase failed to do a proper investigation and sided with the merchant. The personalized advertisement clearing shows what was being purchase. Further I have attached a screen shot of the website where I made to purchase to show the price. Please help me resolve this issue and get my {$110.00} back. Just to note no corresponsedonce was sent by chase to get my side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mis-handled my data, leading to my private information ( SSN, DOB, address ) being exposed and leading to a life-long identify theft threat.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with CNG FINANCIAL CORPORATION (WI).
Issue: Charged fees or interest you didn't expect

Complaint: Hello, I applied for a installment loan with Ch eck n Go ar ound and I have ma de 16 pay ments in the amount of {$120.00}.     I have had previous loans with this company and they usually take their money at the beginning and interest.to interest. I went into the  XXXX  different locations to determine why the payments are not being applied to principle.  XXXX  at the  XXXX   XXXX   XXXX  location says its in error and that I needed to have corporate correct the issue. I have called several times to corporate and unable to get a live person. I need help otherwise I will never pay this loan off.

Company response to consumer: Closed with explanation