milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX F XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX A XXXX XXXX # MEDICAL XXXX # XXXX XXXX F XXXX DOB XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been a customer of XXXX XXXX for my 2nd mortgage and they have reported incorrect information on my credit on multiple occasions. I have spoke with them many times and each time they tell me I have to submit a report to have them fix their issue. I make my payments 2 weeks ahead of time to avoid any potential late payments, but somehow they keep reporting errors on my credit. All I want is they to get their act together and stop reporting wrong information hurting my credit stating I once again made a late payment even though I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I recently contacted credit collection servic in XXXX, MA on XXXX XXXX to dispute a debt in collections. I spoke to a representative who was really rude and disrespectful to me. I informed the representative that I wanted to dispute this debt. After informing the representative of my request her tone of voice changed, she began to ask me many questions as if I was lying about the reasons why I wanted to dispute this debt. When calling a debt collection agency I do n't want feel intimidated by the representative. The representative acted as though she did n't want to give me the necessary information needed in order to dispute this debt. I would like for this issue to be looked into. If this issues has occurred with me I 'm sure it has happened with many other innocent people. This issue could possibly cause for legal action to take place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (IL).
Issue: Closing on a mortgage

Complaint: We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. I also would like to know what PNC rule is for flood insurance, they have had me pay for a total rebuild, not for the loan amount like other banks? I have been in contact with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: On at least 5 previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST ADVANTAGE CORPORATION (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My husband informed me that XXXX XXXX - XXXX verbally denied his application for rental with their property management company because of the reporting of an adverse account on my credit report. I never received any written notification of this decision ; but subsequently requested a copy of my credit report to investigate this issue. 

I never took any action to apply for rental from this company, nor did I at any time give verbal nor written consent to this entity to perform a credit history inquiry on me using my social security number. 

Further, I made an in person visit to the XXXX XXXX rental office and requested a copy of the application that my husband filled out. I was advised by both XXXX XXXX and XXXX XXXXXXXX XXXX that they have no such application on file under my social security number or name.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have XXXX to Coinbase on XXXX XXXX. On Coinbase website, they received the payment but set the status of it to " Pending '' and a message showing that the amount will be available on XXXX XXXX. 
On XXXX XXXX, I opened a case with the Support and still did n't get any reply from their support team. Today is XXXX XXXX and the case is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting collection letters from Resurgent Capital in regards to a credit card that to my knowledge I never had. In addition at the bottom of the page they have this " by law we have to " etc etc. Basically states that if I write a letter disputing they will provide proof. If I do n't the debt will be assumed real. The problem is they leave no mailing address on the bill. When I call they want my social sec # as they say that is protocol and will not give me address. I have went thru this with several reps. I finally got XXXX and she gave me the address which was different then the one that was randomly placed at the top of the letter without a business name, so you were not sure if that was correct. Obviously that address would have never gotten to them ... .HMMMM? The reps name I spoke with was XXXX, she said her last name when she answered but when I asked her to repeat it she would n't. She gave me this mailing address ; Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NH).
Issue: Credit decision / Underwriting

Complaint: I mailed my check in to pay my mortgage it usually takes 10 days it took XXXX the check bounced my bank took the check out the same day but took the check out before my direct deposit went it. My bank forgave the fee because it was 20 minutes difference. I called SLS immediately to submit my payment over the phone and stop payment. They told me that it was ok to wait for a notice. I called every week for a month. XXXX said to wait, I received notice of foreclosure if I did not pay my over due payment. I called XXXX again paid immediately like I tried to do two months before I asked if this was going to show up on my credit report because I tried over and over again to fix the problem she said no it would not show up on it. I tried to refinance and was denied because SLS put on my credit report that I was 2 months overdue. I called them they said to send them a letter to review it. I called again the lady on the phone said that she could not see why it took them 2 months to put it back on my account and they would look into it to call back in a week, I called back and they said that they could not do anything for at least a month. I have asked then to help me over and over again with no results. So I do not trust them to do this and I will loose financing. please help. They doubled my loan amount. I have tried to get the loan modified. sent paper work twice was denied and I have no idea why. I asked then to look into it never heard from them. I called again they said that they have no idea why I was denied. So I have no faith that they will do what they say.

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 02/19/2018 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This was part of covered medical expense. I was not aware any balance was due, nor was able to confirm the amount shown in collections is even valid. I was informed by XXXX XXXX the balance was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX  alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.

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 04/13/2017 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I have repeatedly asked Key Bank to close an account. They never did. They claim they did yet they continue to transfer funds from the account to other accounts at the Bank and they honored an auto payment that I overlooked and did not re-directed to my new bank. If my account was closed as I instructed them, the transaction should have been rejected. 
They in fact claim they re-opened the account to make the payment from an account witch had no money in it. The payment caused the account to overdraw and then they charged me a fee. This has happened repeatedly despite my repeatedly asked them to stop this practice and close the account. They refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted the reporting aciency reguarding information that should be off my account due to either settlements that I am not allowed to discuss or companies that can not prove that this debt is mine. My personal information has been stolen from XXXX different data breaches so I want a signed contract or the credit reporting agiency needs to remove it imediatley. All these companies need to do is say someone owes them and then your life is ruined. I will retain a lawyer if the items I disputed are not removed imediatley.

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 11/18/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Problems caused by my funds being low

Complaint: XXXX/XXXX/15 - TD Bank assessed a {$35.00} OD Paid fee due to PENDING debits reducing my balance to less than what was available for items posting. TD 's response " While you are not charged an overdraft fee for a pending authorization, even if it brings your balance negative, the authorized funds are deducted from your available funds. '' It seems that the consumer IS being charged for pending transactions. Technically those funds should still be available for use for other transactions since the merchant has not sent it through for payment and IF when those pending items come to post in the future they THEN should be assessed fees should funds be unavailable.I was told it was assessed to a {$10.00} transfer to my other TD Bank account I share with my son. 

XX/XX/XXXX Same scenario. A {$5.00} pending transaction and a recurring XXXX transaction that brought the account over by XXXX CENTS ( additional debit card transactions totaling {$10.00} over drafted the account further, even though the XXXX online statement shows my ending balance being - {$5.00} ). 

XX/XX/XXXX - When I noticed my account was over drafted in the amount of $ XXXX - which included the ending balance of - {$5.00} from XX/XX/XXXX ( inconsistent from the attached letter from the bank ), along with the following pending items : recurring Debit of {$10.00} from XXXX and that SAME {$5.00} XXXX that was pending on XX/XX/XXXX, and XXXX - {$1.00} gas authorizations - I immediately deposited {$20.00} at the branch and transferred {$14.00} from my other accounts to cover these items before they posted and over-drafted. I contacted the bank and told that II was charged an OD Paid fee for the XXXX transaction according to TD banks representative which brought my negative balance to {$45.00} approximately. 

XX/XX/XXXX - In reviewing my account this morning, I see that due to TD bank assessing the OD Paid fee, my deposits were wiped out and I have been assessed yet ANOTHER OD Paid fee for the {$10.00} XXXX charge - even though I took measures to ensure it was covered. 

I have requested from the bank the {$100.00} in fees be refunded as the information that I see online is inconsistent with the information they communicate AFTER they 're assessed the fee. They have refused. Also, they are charging fees based on the deduction of PENDING charges - money that has NOT been paid out to the merchant. 
I did not want to take these drastic measures for fear of them closing my account, but I feel I have no choice as the customer service representatives obviously simply do not care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am making formal complaint against the all XXXX bureau who continue to report the same items on my credit report that are not accurate and were paid off prior to me closing the accounts. I am receiving collection notices in the mail from collection companies that violating my rights as a citizen and soldier. I writing you today to clear my credit report of these inaccuracies from all three bureaus. I have written all three bureau and they have sent me verification in the that was incorrect to knowledge and the companies that reported to these bureaus. I think I should receive a claim for the mistakes on my credit report. I have sent multiple letters and information attach to each credit report that states that the information was incorrect and should be deleted. I request that all item of inaccuracy be deleted from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VT).
Issue: Confusing or missing disclosures

Complaint: I made an account with Coinbase several years back when it was within there terms of service for a XXXX year old ( XXXX ) to become a member. Come 2 years later ( XXXX ) when I am now XXXX I logged back into my account to purchase bitcoin. I even got a joint bank account for such said purpose. I was able to transfer XXXX dollars from my bank to bitcoin and ethereum with no problems and without ever having to scan in any form of id ( drivers license, etc. ) A few days later ( 2 weeks ago ) I  edited my information to include my birthdate and then got an email from Coinbase saying that under XXXX year olds could not participate in their service. I think I am entitled to convert my bitcoin into usd and send it back into my bank account using their exchange as no id was initially required and I was not informed of the XXXX change. If I try to change my bitcoin into usd using another method I could literally lose half of my invested money in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (IL).
Issue: Problem when making payments

Complaint: I called Avant and told them that my ex wifes loan was getting paid through my bank account and they told me that there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (I do not know) with Action Collection Service (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was on section XXXX or government housing in 2010 the companys involved will not release the contract or proof how I owe rent. I have tried may times to dispute this and I eveneed tried to settle. The company are unwilling to do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. Thank You, 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 08-07-2015 about Payday loan () with POPULAR BANK (MS).
Issue: Payment to acct not credited

Complaint: A guy from Eloans sent me and email and said that I got approved for a {$5000.00}. I called him and talked about the loan the payments, ect. He said that they did n't need any collateral only thing I had to do was send {$140.00} to put insurance on my loan just in case something happened to me. I sent the money and he told me that someone would called me from XXXX XXXX with an activation code. So the guy called me and gave me the code but it was a lot of breakish in the phone. Then another guy called me from XXXX XXXX XXXX to get the code so he could deposit the money into my account. When I gave him the code it was wrong so he called XXXX XXXX and told them the code was invalid so the guy from XXXX said that I would have to pay {$200.00} just to get another code I told him I did n't have it. I told that sounded crazy. So the guy from XXXX said that when its a miscommunication between to parties that the customer was responsible for the {$200.00} and that XXXX XXXX had to pay me {$4000.00} that was their penalty. I knew then I had been scammed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Law Offices of Robert J. Colclough, III (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was a member of the XXXX in XXXX XXXX when I lived at the apartment complex that had their facility on the property. I lost my job and could no longer afford living there so moved from the apartment to XXXX. Before leaving i went to the office, told an employee what the situation was and left a note telling them I cold no longer afford the membership and was moving to another city. I did not get any sort of receipt nor was I told that this was not sufficient notice. 
Several months passed and as I did n't hear from them assumed it was done. Some time later they contacted me and demanded I pay nearly {$300.00} dollars claiming that I have not given them 30 days notice of my intention. They also claimed I had n't ever informed them on my desire to cancel. I called several times and left several messages. It took a long time to finally get talk with someone who was not even remotely helpful. I offered to print out a copy of the original letter but was told it would not be accepted because as they said, " How do we know you have n't just written it? '' I then offered to pay another month 's payment and mail them a new letter telling them I wanted to stop my membership. They refused to allow me to even consider this. I feel I have made good faith attempts to resolve this but no solution I have offered was acceptable. They have finally sold this account to a collection agency and I continue to be plagued by this. I am adamant that I will not pay any more than one single month payment. This seems to be a reasonable solution that a reputable company would accept. I need to have them either accept my offer or stop dinging my credit every month. I would appreciate your assistance in dealing with this. Thank you kindly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief