milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 have disputed on several occasions the information on my credit file report number XXXX with Transunion. XXXX XXXX, account # XXXX, which is reporting close but with also incorrect payment history. I was not late the numerous times in which they are reporting for the closed account, so that is incorrect. The account is outdated which according to FCRA I can request for an obsolete account to be removed from my credit file by Transunion. Since they have refused to delete the obsolete account, they continuously provide the same generic response indicating it is verified and correct. So, I have requested for Transunion to provide me with the format in which they disputed the old account with XXXX XXXX and I have requested who at XXXX XXXX indicated it is reporting correctly, as I know it is not. I am within my rights to request this information from Transunion. I feel they are giving this generic response instead of deleting the incorrect old account from my credit file. They have yet to provide me with this information. Next, they are reporting an inquiry from XXXX. I have never applied with this company and the company sent me a letter in which I have attached ; however, they indicated it was not necessary for me to forward to Transunion as they were forwarding a copy of the letter for the inquiry XXXX dated XXXX/XXXX/XXXX to be removed but it has yet to be deleted.

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 02/15/2016 about Credit card () with U.S. BANCORP (MD).
Issue: Rewards

Complaint: I received the following offer by mail from NIH Federal Credit Union to open an XXXX XXXX credit card account : " {$150.00} Cash Back Bonus - Spend {$500.00} in Net Purchases ( purchases minus credits and returns ) within 90 days of account opening and earn XXXX Bonus Points that can be redeemed as a {$150.00} cash deposit to a checking or savings account or as a statement credit to your Card account. The account open date is listed as the effective date in your Cardmember Agreement. Bonus Points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend. '' I applied for the credit card online on XXXX XXXX, XXXX. Elan Financial Services issued the XXXX XXXX Card to me on XXXX XXXX, XXXX, as indicated on the Card Agreement. I spent over {$500.00} by XXXX XXXX, XXXX. According to their offer, I should have been awarded the Bonus Points by XXXX XXXX at the very latest. However, I have not been awarded the XXXX Bonus Points yet. 

I called the telephone number on the back of the credit card several times to inquire why the promised Bonus Points were not yet credited to my account. I spoke to at least XXXX representatives who confirmed that I met the terms of the offer and would be awarded the XXXX XXXX. However, I was told that the 6 to 8 week period does n't start until the XXXX spending period ends, contradicting the offer printed above that states that it starts " after you reach the {$500.00} spend ''. On XXXX XXXX, I was told I would receive the points in 10 days. Today, I spoke to a representative who told me that the previous representative was wrong ; it will take 14-17 days. Then a supervisor contradicted her employee by telling me that they have 10 to 12 weeks after after the 90 day period so they do n't have to award the points until XXXX XXXX, XXXX, again clearly contradicting the terms of their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I came thru drive thru at XXXX to drop off XXXX deposits before the bank closes at XXXX because its Saturday and when the worker came up to me at drive thru she did n't even acknowledge me she just opened the metal drawer and pull it back in and walked away. I do n't care if I came at XXXX technically ya 'll are still opened gor another 5 minutes so if she had a problem doing my deposits I can gladly change banks because I do n't need a worker with a XXXX face on dealing with my money. This location is TD Bank XXXX XXXX XXXX, Fl XXXX. I do n't know her name but she is shortXXXX. Deal with her and how to be customer friendly because her customer service is ugly. Thank you and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I sent letter from XXXX XXXX XXXX For information related to crimes against me

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!

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 04/13/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I questioned them about a 60 day lateness on my credit report from XX/XX/XXXXand explained that I have been on XXXX XXXX since XX/XX/XXXX. So I was either in an XXXX status or XXXX XXXX status. They stated they were not showing a lateness in their records. They asked me to send over a copy of my credit report so they can have it removed. My first call was XXXX XXXX, XXXX and email. My next email was XXXX XXXX, XXXX. On XXXX XXXX they responded and requested another copy of my credit report. On XXXX XXXX XXXX I sent another copy of the credit report. I have not heard anything and the items are still showing on all XXXX credit reports. I would like for them to remove the derogatory items from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I formerly had a savings account with  Wells Fargo, that has since been closed. I just checked my credit report and saw that Wells Fargo  initiated a hard inquiry on my credit in  XXXX    XXXX   ( indicating that I applied for a line of credit from the m ). I never applied for or received a line of credit from Wells Fargo. I just contacted WF regarding this and they essentially said th ey could not give me any info and just gave me a fax # for a credit dispute.

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with XXXX and XXXX, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of 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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Re. Experian -- - Problem filing a dispute to an adverse entry on my credit report, and Problem obtaining a free credit report from Experian detailing an ADVERSE entry in my credit report -- -- My credit alerting service, PROTECTMYID ( protectmyid is an Experian company/service ) alerted me that an ADVERSE entry was added to my Experian credit report. I investigated the limited info available on the adverse report through my protectmyid.online account. Through the links it provided to Experian for filing a dispute online as well as directly through Experian.com, I tried to file a dispute online with Experian. However, EVEN AFTER EFFECTIVE LOGIN AS WELL AS COLLECTING ALL MY INFORMATION AND VERIFYING MY IDENTITY, EXPERIAN REJECTED MY REQUEST TO FILE A DISPUTE ONLINE. EXPERIAN ALSO REJECTED MY ONLINE REQUEST TO OBTAIN A CURRENT COPY OF MY CREDIT REPORT THAT DETAILS THE DISPUTED ENTRY. EXPERIAN FAILED TO PROVIDED ANY EXPLANATION WHY BOTH OF THESE REQUESTS WERE REJECTED. They simply advised that I needed to pursue both requests through their written process. 

In other words, Experian denied me appropriate access to my credit report as well as the ability to file a dispute online for an adverse entry in my credit report. Their written process is not only very inconvenient and time consuming, sending the info they requested through the mail is also more insecure than their online service. Again, I was able to login into my account with them as well as independently provided them with all info to verify my identity. Experian has failed to provide any explanation why they denied me appropriate service through their online systems.

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 09/18/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have a delinquent student loan. For several years, tax refund money has supposedly been credited towards the balance. I have received no documentation from the student loan that they have ever received money and no specifics from XXXX XXXX as to where the money was sent. I need a complete accounting from XXXX parties to make sure that the monies were handled appropriately -- since I have never seen any change in the balance I owe. Do n't know where to begin to resolve this -- I now have a collection agency threatening garnishment of wages. There must be some system in place to document where and how these monies are being appropriated??

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Closing on a mortgage

Complaint: In XXXX of 2006, We attempted to refinance our home. I was asked to provide check stubs and did so showing my accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX  XXXX/Wachovia/Wells Fargo generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from Analyst to Vice President. So without my knowledge, of this fraud, they approved me for a loan that was already illegal to sell to consumers in Illinois ( XXXX mortgage ). Then, they took out a default insurance policy in anticipation of my default. I was also unaware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. They first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not following the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, I am not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. We also put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, they lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I do not have a mortgage.

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 03/29/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I originally contacted the debt collection company XXXX in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/18/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Transaction issue

Complaint: We booked a stay with a resort in XXXX that gave a quote in US dollars and all terms and conditions were provided in US dollars. Once we arrived at the hotel, they would n't honor the US dollar rate and would only process the transaction in the pesos. This led to both a higher than quoted rate as well as an additional foreign transaction fee which Chase has been unsupportive in resolving.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2015 made a mobile deposit for {$3000.00} into my chase checking account. This deposit will also cover the outstanding overdraft on my account. On XXXX XXXX, i was told my deposit check will be on hold til XXXX XXXX but the overdraft fee will be settle. Chase also inform me to stop by a branch to validate my ID. i stop by the branch to clarify any issue and was promise funds will be available on XXXX XXXX. 
On XXXX XXXX 2015 try using my debit card and was decline call chase and was told my account is on pending closure and i can not have access on my funds. For the following weeks to present i was on phone with multiple chase representative asking to release my funds. i kindly ask chase what is the reason to freeze my account with out notice and my account has no outstanding balance. Why didnt chase inform me about this situation, now all the bills which is drafted on my checking were chargeback .. on the following week i stop by a Chase Branch begging to release my funds, this is the only source of money i have, and needed to buy prescription at XXXX. Branch manager at XXXX told me that we are sorry but we can not do anything even myself was not told reason why account is frozen. Since XXXX XXXX my account been frozen, my bill payment has been charge back, i have no money and chase has not told me any reason why or send any statement

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Bank account or service ((CD) Certificate of deposit) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I had a CD account with Citibank that is now closed. The account was closed approximately XX/XX/XXXX or thereabouts. A Citibank counter check or cashier 's check was issued on XX/XX/XXXX and cashed a couple days later XX/XX/XXXX. The payee was myself. However, I myself was not present at the Citibank branch on either of those days, nor did I authorize anyone else to close the account. ( I just found out about this fraud in XX/XX/XXXX when I went in to check on my CD account. ) Now that I am disputing the check, Citibank Manager is telling me the check is a fraudulent check which they trace back to a Delaware account for multiple fraud issue cashier check and I never had a account with them. Bank manager is telling me they can not locate any information or account number under my name or social security number. Unfortunately, I do not have the account number but I do have letter stating amount deposit along with letter stating when CD account will mature. However, because I do not have an account number and there 's no record showing up for an account under my name Citibank does not want to do anything for me. The challenge in this case is time, the account was closed in XX/XX/XXXX and it is now XX/XX/XXXX they 're telling me their record does not go that far back because it has been purged, not only that, there was never an account open under my name or social security number. Also, the branch I deposited the money at has been shut down, therefore, I had to go to a different branch location. I have try everything from calling customer service to talking to branch manager to filing an " affidavit of forgery '' with no luck. Now I am stuck with filing a police report and waiting to see what happen with my case. I believe this is some sort of fraud within Citibank employee because I know I deposited money into a CD account with Citibank itself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage Company can not prove they have legal transfer of the Mortgage and have denied XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX due process and have filed for foreclosure without negotiating some type of alternative arrangement with me relative the house. I was never subpoenaed for the hearings and they have engaged in an illegal foreclosure process. They have tried to take the loan by illegally offering to pay debtor {$10000.00} then revoking the offer once they could not prove mortgage ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I returned money from my loan within 90-days following the distribution of the second half of my loan for year ( i.e. money distributed in XXXX -- & gt ; money distributed in spring, which I then returned part of the money ). However, instead of having that money being returned to the principal amount, Navient handled that refund ( i.e. I had no other option ) so that the money returned went towards interest and repaying off the first half of the loan ( XXXX loan ). As a result of this money going towards interest rather than all to principle ( which should be case given I was returning it within 90 days ), I ended up having to pay more since my principle was higher and accumulating a greater interest over time.

Company response to consumer: Closed with explanation