milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I initiated a dispute with transunion regarding a bankruptcy on my credit report. I requested debt validation and any documents pertaining to this debt. They mailed to me 30 days later a updated credit report that stated the public remains and they verified it. The report is dated XX/XX/2017.This is the 4th attempt to get this matter resolved with them. On the last time I contacted them by phone they told me the bankruptcy court verified it. I sent the bankruptcy court a letter asking them of this process and they sent me a letter saying they do not verify anything it 's done by 3rd party of the credit bureau. I contacted Transunion by telephone XX/XX/2017 and asked how they verified this information and they stated by credit bureau, I spoke to XXXX a supervisor. I explained to him that 's not possible, that I contacted them to verify. He then stated through XXXX XXXX. I immediately contacted XXXX XXXX and asked them about this process. I spoke with XXXX and she stated they never contacted them and they would n't release any information to any one due to the security freeze I placed on my account in XX/XX/2017. The credit bureau is falsely stating that they verified this account and in fact, they have n't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Money transfers (Domestic (US) money transfer) with Blackhawk Network Holdings Inc. (NY).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2016 I submitted a bill payment for {$990.00} to a merchant through the reloadit safe ( www.reloadit.com ). When setting up the payee information, I entered the wrong account information. When the payee received the payment they could not match the account number and returned the payment to Reloadit ( through Reloadit 's vendor XXXX ). I have been trying to work with Reloadit and their parent Blackhawk networks since that time to get a refund. On XXXX XXXX I was told that the case had been resolved and they would mail me a refund check in 30 business days. After several follow up calls, on XXXX/XXXX/16 Blackhawk said they would resubmit a ticket and it could take 30 business days to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX  XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed 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 04/30/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: Where do I begin to express my dissatisfaction with PNC Bank and this company as whole, XX/XX/XXXX, I filed a complaint with CFPB, because PNC cross matched my address with my parents ' address, an address I never lived at and changed my billing information without my consent or contacting me to inform me and when I was attempting to use my debit card, my transactions were getting denied and then there customer service representative who were providing inaccurate information, informed me nothing was wrong with my account and attempted to convince me I was at fault, which was eventually proven a error on their part, and I am still tempted to sue due to the agony and embarrassment it caused in my life. PNC has also changed my name on my account without my consent or my request. Now falling in line with their unscrupulous banking practices as usual, the over excessive overdraft fees, they have billed my account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have XXXX checking accounts XXXX with them and another with XXXX XXXX XXXX, the PNC account is just a back-up account ; a auto payment was setup for a student loan payment in the amount of XXXX and scheduled XXXX/XXXX/XXXX and I was under the impression it would be deducted from my XXXX account, although information for both accounts is setup under my profile for my student loans. In error the payment was processed on the wrong account. On XXXX/XXXX/XXXX this transaction came through my PNC account along with another transaction for XXXX which was payment made on my PNC account. I had enough in my PNC account to cover this payment, because again, I was aware the this payment was being reflected to my account. I was thinking nothing was wrong, until I will reviewed my account on XXXX/XXXX/XXXX and saw these excessive overdraft fees billed XXXX {$36.00} fees on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$21.00} fee on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$7.00} XXXX/XXXX/XXXX, {$7.00} on XXXX/XXXX/XXXX and needless to say this is a student banking account opened in XX/XX/XXXX, so no telling how many poor students, they are taking advantage and maybe a Class Action Suit needs to be file against them like the one currently pending with XXXX XXXX XXXX for unfair overdraft fees and I 'm willing to start it, because I 'm fed up.Then today on XXXX/XXXX/XXXX, I requested to speak to a supervisor upon denial to remove any of fees and she purposely transferred me to the automated system, which was very unprofessional. Then, I called back again on the same evening and male representative, attempted to cover for the agent by being dishonest and saying she did n't leave any comments, then came back after placing me on excessive holds, that he was able to locate her name and escalated my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following unauthorized inquiries appear on my respective credit reports : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: On XX/XX/XXXX I made 2 payment via XXXX bill pay to Wells Fargo Dealers Services. The first on in the amount of {$4900.00} was a payoff of the car loan and second in the amount of {$3000.00} was made in mistake. I called WF to explain what happened that I 'm owed over payment of {$3000.00}. After few calls, they locate that money and said they will issue a check on XX/XX/XXXX. I waited and waited and called them yesterday since it 's been over a month and I have n't received anything yet or seen anything in my bank account. They said that they sent a check to Payment Processing Center, XXXX XXXX XXXX on XX/XX/XXXX. Why I asked they why they sent it there, they had no explanation. It should have been sent either to my home address on a loan or via direct deposit since payment were made through bill pay. I asked them to put a stop payment on a check and issue a new one and send it to my home address. They refused because it was cashed on XX/XX/XXXX. I called a bank 3 times yesterday and they can not locate anything. I asked WF about prof of being cashed but they refused to send me anything. My hands are tied now, bank says they do n't have anything and WF claims the money was sent! What am I supposed to do now? I spend 2.5 hours on the phone yesterday going back and forth and nothing! And XXXX XXXX XXXX? It sounds like scam! If I were late on my car loan, I would have been charged late fees. I not only can not charge late fees on my {$3000.00} that they have but ca n't even collect my money back from them!

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 02/24/2018 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: Information belongs to someone else

Complaint: Equifax and this company " XXXX XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with Equifax, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information Equifax and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO ADDRESS/UNABLE TO FORWARD. Therefore, it's no way Equifax had properly did their job.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: We 've been a customer of citibank since XXXX and accepted an offer for 0 % interest card. They approved the application but required we complete a form to request the Social Security Administration to send them a copy of a social security card. We refused and they would not accept a request from an authorized user on the account to close the 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 04-11-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (SC).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Debt collector robo calls phone after XXXX. Person they are calling for does not live at residence.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with HireRight Solutions, Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Criminal record for XXXX in Texas is listed on my consumer report. This is for a male. I am a female and have never been to XXXX. I 'm not sure if this person hacked my information but I have seen this show up on my account for a male with all my information and I am a female from XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: I have accounts at Coinbase, XXXX and XXXX. 
I have only transferred my bitcoin from Coinbase to XXXX and then to my XXXX  account so I could purchase other coins No other exchanges. 

I have never converted XXXX back to $ yet. 

On XX/XX/XXXX, as stated beow, my XXXX bitcoin never made it to my XXXX account. 
I have contacted XXXX and they have done nothing yet and its been almost 2 months. 
Please assist me. Thank you. 

The one below for XXXX XXXX never made it to XXXX. 

This is from XXXX HISTORY transfer XXXX XXXX - XX/XX/XXXX XXXX XXXX this one never made it XXXX Transfer ID : XXXX This is my XXXX account showing I received the XXXX Bitcoin, but not the XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: it was rent they said I owed, I paid amount of XXXX which I paid in two payments, which they I would be reported if not paid, this was in 2014, they did take out the correct one.i saw now they have someone elses debt showing on my XXXX and XXXX report showing I owed them such a big amount of XXXX. I call spoke to a guy call XXXX, he found it was wrong and it still shows. I need this corrected. I am so embarrassed, I been tryong to correct this. I don't get any where with them. The co- I Q DATA INTERNATIONAL, XXXX XXXX XXXX, XXXX XXXX WA XXXX XXXX # XXXX. PLEASE I NEED THIS CORRECTED. I hope you can help me. thank you.

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 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account cased 13 days after opening and including equipment returned with receipt within 13 sldays. This debt is for an early termination fee. I do not owe with verizon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Other

Complaint: PayPal Mastercard by Synchrony Bank I have n't had this card long at all, however every single time I make a payment my payment is not showing in my available credit and every single time I have to contact this issuer and ask WHY? They continuously tell me they are 'waiting for confirmation ' - yet do n't tell me what that means. For example, last week I made a {$200.00} payment, it was taken out of my personal bank account 24 hours later, yet 48 hours later from that it is still not reflected on my account. I contacted them yet again, they tell me to 'wait ' another 48 hours 'to see if it is confirmed. WHAT IS THIS BOGUS XXXX???? Taking my money then waiting a week + to actually post it. THIS IS WRONG.

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 01/26/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: Hi Dear Coinbase Support Team. 
By mistake i have given the coinbase ETH address during XXXX  XXXX, and i have recieved my XXXX $ CRPT coins in coinbase address  XXXX. 
Please look into the issue ASAP and either transfer the token to my correct MEW ETH address or Send the transaction back to the sender. 
My friend did the same in XXXX and XXXX sent the token back to sender. 
Please do the needfull ASAP. 

Please send the transaction back to my correct ETH adress XXXX or to the sender back. 
your help is highly appreciable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: Case number : XXXXWith all the letters that I have sent to Chase Bank requesting verification of an account I have received no letters from them back stating that they have received my letters that were sent certified mail. 

This raises other issues in addition to my complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with Telerecovery Corporation (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The XXXX urgent care was bought out by XXXX hospital and they sent my debt ( XXXX dollars ) to the XXXX agency and when I found out I owed money I paid it but it was on the 30 day mark and the Wo n't call the collections agency to stop contacting me, I 've spoken to both the hospital, XXXX and collections and they keeping me running around in circles so that I have to pay a late fee, it 's all a money game and I do not wan na play, I pride myself on not oweing anyone money and I do not want this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PR).
Issue: Managing the loan or lease

Complaint: I CA N'T STOP RECEIVING MAIL FROM GM FINANCIAL ASKING THEM TO PAY A DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NC).
Issue: Managing the loan or lease

Complaint: I was in a car accident XXXX/XXXX/16. My insurance and GAP paid Westlake but they still wo n't close the acct and request payments be made. My vehicle I purchase at XXXX and financed with WestLake Financial was in a car accident XXXX XXXX, 2016. My auto insurance XXXX XXXX Claim # XXXX, paid them and confirmed the check was received and cashed by them along with a rendered total loss letter provided XXXX XXXX. XXXX where I bought my car and GAP ( XXXX # XXXX ) XXXX, premium was also sent and cashed by Westlake Financial. Then I get an email SELF SERVICE GAP PACKET to complete that I did n't even know existed or was involved. XXXX XXXX XXXX, XXXX XXXX I have emailed, faxed, overnighted and website uploaded every document requested to every company who has asked for something. WestLake Financial is still instructing me to make my payments to protect my credit until this processed yet they ca n't provide any ETA. WestLake Financial has said that if I am late or miss a payment 3rd party GAP will not pay my claim. PLEASE help me! I am only XXXX, I have done everything, I am making payments on a car I do n't have, WestLake Financial does not appear to be trying to complete my claim. I ca n't get another car until this one is completed because it still exists and I ca n't have XXXX cars. I work full time and have to ask every friend and family member to help me get back and forth to a full time job. I have every piece of documentation you could need if you want copies. I call them weekly for updates and no one I talked to knows. My auto claim payment is n't even showing on my balance owed statements.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i have been a victum of identity theft. i am currently employeed with XXXX XXXX XXXX. in XX/XX/XXXX i was made aware of collections on my credit report from XXXX. three separate collections, one is {$670.00}, {$650.00}, and {$710.00}. All three were with a collection agency named Diversified consultants. During that time, i have faxed in all info required to prove my identity and that these accounts were all ooened without my authorization. those 3 collection accounts were eventually removed from my credit. In XX/XX/XXXX, all three of these collections reappeared, but now with a different collection agency. that collection agency is called XXXX XXXX. i also have 2 separate collections with XXXX XXXX from XXXX XXXX XXXX. those 2 accounts are a total of {$2100.00}. these accounts were not employee accounts and also were created due to identity theft. i have tried to take care of this on my own, but not getting anywhere. now im getting consistant calls throughout the day and also family and friends are being harrassed about these collection debts that i did not authorize. i am hoping this can be resolved that will result in these attempts to collect these debt cease and removed from my credit. any help would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have concerns regarding the authenticity and amount owed on my student loans. I would like the amount to be verified because I am concerned that regarding the recent alligations against Navient. There have been several lenders " servicing, buying and selling of my loans so I would like my current servicer, Navient to verify the balances. I would like these loans removed if they can not be accurately verified. These loans originated at XXXX XXXX University, and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation