milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: i started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.transunion stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.

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 06/21/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Another collection company XXXX XXXX XXXX XXXX sent me a notice in XXXX about a bill from XXXX XXXX XXXX. I sent them a letter requesting verification of the debt and the contract that was valid for the account they were attempting to collect on. I never received any further communication from the company. Yesterday, I look on my credit and there is a collection from SW Credit Systems LP for the same alleged account. I have not received any communication from them and as it stands, I am sure the same way the other company was unable to verify the debt, they are not able to verify either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear  sir/madam I  had a credit card account with  MACY 'S DEPARTME NT STORE, Due to some personal issue I was unable to make my payment for some time but later in the year   XXXX   a collection agency sent me a letter on behal f MACY 'S DEPARTMENT STORE, Th e collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until no w MACY 'S still have it o n my credit report that I am still owing the debt. I attached a copy of the note on my credit report regarding the payment.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have received a letter from this agency that states that I owe them. I have never had any dealing with this company. When I disputed the debt and ask for the information that supports their claim. I have no knowledge of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-02-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Settlement process and costs

Complaint: 1 ). Original Loan Amount {$240.00} ). The 2 % is to reflex from the {$240.00} ). New Loan Amount {$370.00} ). The settlement Agreement was to Waive ALL prior, late charges that remains unpaid5 ). Mines does not reflex that6 ). First 5 years my Monthly Prin. & Int. Amount does not reflex a 2 % interest rate, It reflex a 4 % interest rate. 
7 ). A 2 % times $ XXXX=XXXX, not {$980.00} ). How did they come up with {$980.00}? 
9 ). My trail payment for the 3 months was {$1500.00}, for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
10 ). My new monthly payment for the next 5 years is at {$1500.00}. 
11 ). How did they come up with those payment, where is my 2 % settlement agreement. 
12 ). Nation Star Congratulation Letter! States : You are eligible for a Home Affordable Modification. As previously described, if you comply with the terms of the Home Affordable Modification trail period plan, we will modify your mortgage loan and WAIVE ALL prior late charges that remain UNPAID, part of the settlement agreement. 
13 ). Section XXXX, is Misleading14 ). The Whole contract is Misleading. 
15. All Nation Star is doing is setting me up another Predatory Loan, same thing that XXXX XXXX XXXX did. 
I have not made the XXXX 2015 payment base of the New Modification Loan, because I feel and believed that I am going to have to go and get a Lawyer because No one is holding the Mortgage Company 's accountable for the settlement agree.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I was credited by XXXX XXXX company on X/X/2017 for XXXX to my closed PNC account. Almost two months later, PNC still has not returned the funds to XXXX nor refunded my via check.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I kept getting calls from the XXXX forgiveness program, sooner or later Im having hard times so they got me now i regret it

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone got the hold of my credit card number and used it to fraudulently acquire items from several merchants. The total amount of the fraudulent purchases is {$7400.00} ( {$7100.00} with XXXX XXXX XXXX in XXXX on XXXX XXXX, 2015 and {$310.00} with XXXX XXXX on XXXX XXXX, 2015 ). Although I live in XXXX, my wife and I were out of town when those fraudulent charges were made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Citibank under the impression that I would earn frequent flyer miles as part of a marketing campaign. After completing all the written requirements as explicitly written in Citbank 's terms and receiving further written confirmation that these requirements were complete, Citibank 's representatives are now contending that I am ineligible after all and refuse to award the promised promotional bonus as originally advertised. I fear I have fallen victim to an egregious bait-and-switch marketing trap.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This is unbelievable Equifax has destroyed my life and are refusing to fix the problem I can not get my score or credit report my creditors can not run my credit I can not buy a house some I 'm stuck renting losing thousands of dollars each month I called 20 times now trying to fix the problem they refuse to fix it they say my file is split but refuse to merge it, they have told me to lie to creditors to try and remove items fraudulently so please help

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with B&B Funding, LLC (MS).
Issue: Trouble during payment process

Complaint: XXXX claimed to be my mortgage servicer and for years my mortgage payments have been misapplied, misappropriated and flat out stolen from me, and now the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I demanded a Qualified Written Request ( QWR ) and dispute of Debt, validation of debt pursuant to the Fair Debt Collection Practice Act and other Federal and State Laws from the XXXX XXXX XXXX XXXX XXXX which I have attached I never received anything from The XXXX XXXX XXXX XXXX stating the validity of the Debt nor did I receive proof of standing to foreclose from the XXXX XXXX XXXX XXXX XXXX nor the exact date in which they say I went into default or the exact dollar amount thereof. I believe I am a victim of predatory lending practices, illegal foreclosure practices, toxic Mortgage-backed securities, violation of Federal Trust Indenture Act. my payments made were not properly applied by these related companies, based purely upon oversized ambitions, greed and corruption, which led to economic XXXX, they were lax and rife with hidden fees and deceptive practices, fXXXX XXXX  practices which imperiled borrowers. they went against their own underwriting guidelines and that override federal lending standards!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed an account which it was fraudulently put on my credit report.XXXX # XXXX I demanded proof of signature for verification because it was obvious that all my information was utilized to obtain resident. I have previously reported identity theft but they refuse to remove this item from my credit report because they confirm name, ss #, dob, and any other information which does not verify it was my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Coinbase, Inc. (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I include attachment for successful purchase from Coinbase online Coinbase.com for XX/XX/XXXX using my XXXX XXXX ending in XXXX. I am including an attachment showing Coinbase rejecting same card XX/XX/XXXX and another for XX/XX/XXXX. I submitted tickets to question why I was able to use this card for a {$3000.00} purchase the same day to an investor. My bank in each case said that there is not a problem with my card account. Coinbase has complaints about these problems and they will not tell me why I can use this card for hundreds of dollars of purchases with XXXX online and they are rejecting it. I tried another bankcard ending in XXXX and they rejected it also. Coinbase has a XXXX option but unlike all others do n't allow BUY selection only SELL selection. They claim I ca n't send them a cashier 's check. So I purchased a {$150.00} prepaid XXXX XXXX gift card and when I entered it they state their policy is not to honor prepaid cards. I finally got through on their ( XXXX ) XXXX custmer service and asked XXXX why they had not solved my XX/XX/XXXX ticket and he said they have millions of backed up emails to solve. I need their product in order to use a {$3000.00} product and I had already done business with them in XX/XX/XXXX successfully with the XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (MD).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I went to BB & T in XXXX Maryland to change the responsibility of my car loan to my husbands name because I got this car for him when he did n't have a social security number at the time and he is the one paying every month for his new car, so more than fair that now that he has his social to take this car out of my credit history. 
I went to the bank and I spoke with XXXX XXXX XXXX a suppose loan specialist. 
I told him exactly what I wrote above. He said that would n't be a problem as soon I would co-sign for my husband, and I agreed and signed the contract. I did n't read because what we said was clear and he said was n't a problem to do what I asked. 
Later on he called me saying that both names would be in the car title, I said no, I wanted my name out of everything I would just co-sign, than he said if you want pay XXXX dollars more to make it a sale to your husband I could, I asked him that normally they include that at the loan and we do n't need to pocket it right away. 
So I called his manager to ask about including the XXXX on the loan when his manager than told me that when I co-sign a loan the loan will be keep showing in my credit report and he said sorry for the employer mislead me saying that would n't be a problem, but at this point there was nothing he and I could do because the contract, that he never gave me a copy. was already signed and the check was made. The only thing he said that I could do was get another loan with another institution at my terms. 
I said I wanted to cancel the deal because I was mislead and betrayed by one of the institution 's employer and again he said he could n't do anything. 
This is at a least case of a very dishonesty way to make his monthly cote.

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 07/26/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Over the past year, I have been charged an excessive amount of overdraft fees. When I called to complain, the bank stated that if changed its internal system to process the account and show availability funds only at the time when the transaction is settled. Formerly, the bank used to process payments at the time of authorization, which would seem more appropriate given our real-time processing environment today. For example, I showed an available balance at XXXX for {$220.00} this morning. I checked my balance at XXXX and now have a balance of {$20.00}, as I was charged a {$100.00} in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Credit card) with Torriere Holdings INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Spire recovery solutions called my brother saying I owed a dept since 2007 for a XXXX..I called XXXX today and they pulled up my credit saying this has never been on my credit report..and put out a fraud alart on this issue ... they have been harrsing me threw email and phone ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 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: Account information incorrect

Complaint: I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted Transunion and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked transunion to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX /   17  report I pulled from my transunion account. I contacted transunion that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX /   17  from transunion due to my phone call and all of the old incorrect information is back on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: According to XXXX Report, this account was sold to Portfolio Recovery from XXXX ( XXXX ) and they are both reporting negative information for XXXX single debt. After a dispute filed with XXXX, ( see attached results ) the results state everything has been verified. How? when they both are reporting duplicate negative and collection agency accounts. XXXX, the original creditor, is reporting XXXX negative account XXXX on my credit report. Copy of contract proving debt was sold to them, proof of orginal debt, etc has not been received from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2012 I went to the Emergency room for a XXXX XXXX and was treated by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ( XXXX ). XXXX was under contract with Aetna Health Insurance Company at that time. XXXX did not turn the claim into the insurance company in a timely manner, and the claim was denied. Per their contract, XXXX was not allowed to bill me, the patient. Instead of writing the amount off the books, the balance remained but they did not bill me. Later, XXXX sold their Accounts Receivable to ProCollect. ProCollect refuses to acknowledge the paperwork that proves that I do not owe the debt. I sent a copy of the EOB from my insurance company with a code ( XXXX ). The XXXX page of the fax is the back of the EOB which explains a code " ( XXXX ) You do not have to pay this charge. That is because the provider did not send the claim to us within the required time limit. ( XXXX ) ''. The have put a collections entry on my credit report and have been sending harassing letters and making harassing phone calls. I made several attempts to resolve the issue and in return received abuse and zero cooperation. The would not give me an original invoice or any contact information other than company name for the original charge. Through my own research I was able to get the whole story from Aetna Health insurance company. I will also be reporting ProCollect to the FTC for XXXX and FDCPA violations. The phone abuse went all the way to the top. I even spoke to XXXX XXXX XXXX, Vice President of ProCollect. He immediately began yelling at me over the phone and talking over me. Thank you very much for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with SYNCHRONY FINANCIAL (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In summary : I have an issue with a JCPenney transaction from XX/XX/XXXX that has negatively affected my credit. It is a valid transaction but I never received a bill. I am requesting that it be expunged from all XXXX creidt bureaus. 
I purchased an item in XX/XX/XXXX for about {$35.00} at JCPenney but did not have my JCP credit card. They looked it up and posted it on an old JCP card that we no longer had, instead of the current one. Since we had n't used it for over 6 years and two household moves, we never received the bill nor any follow-on statements. I first I discovered the transaction when I found it on my annual credit report review about a year later in XX/XX/XXXX. At that time it was negatively affecting my credit score and I thought it was fraud since I did not have the card or the account it was referencing ( plus it had an incorrect name as XXXX XXXX instead of XXXX XXXX ). I tried to have it removed for several months as fraud, speaking with and sending letters to both JCPenney and Synchrony Bank ( who processes their card ). In XX/XX/XXXX, I determined it must have been legitimate based on the location and time of purchase which was disclosed to me at that time by Synchrony Bank. lt was in our home town in Ohio and we were there at the time. I paid the amount they indicated ( with fees at {$53.00} ) on XX/XX/XXXX and confirmation number XXXX. I was told to wait 2-3 weeks and then dispute the charge through each of the XXXX credit bureaus so that JCP/Synchrony would erase it with notification back to those bureaus. In late XX/XX/XXXX, I talked with each of the bureaus ( XXXX, XXXX and XXXX ) and each entered a dispute back to JCP/Synchrony. I have heard back from XXXX of the XXXX Bureaus indicating that JCP/Sychrony felt the transaction was valid, paid and nothing more would be done. 
This is unacceptable. I have had excellent credit for 50 years. I have no other negative marks on my credit, having XXXX-XXXX mortgages over the yearts and currently holding XXXX bank credit cards and XXXX-XXXX retail credit cards. This will negatively affect my credit for at least another 5 years. I need your help to erase this transaction information from my credit reports. I could not pay the bill since I never received a bill back in XX/XX/XXXX since the retail clerk posted it to the wrong 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 non-monetary relief