milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call transunion to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too.
First, I report the problem to trans union because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XXXX XXXX XXXX. Trans union said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to trans union and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XXXX XXXX XXXX at trans union. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XXXX XXXX XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XXXX XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to transunion and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XXXX XXXX XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XXXX XXXX XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XXXX and I submit evidence to the IRS I have been in XXXX from XXXX to XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.

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 06/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I disputed a charge on my Banana Republic credit card ending in XXXX ( issued by Synchrony ) under the claims and defenses section of Regulation Z ( 12 CFR 1026 ( c ) ) on XXXX XXXX, 2016. On XXXX XXXX, I received a letter from Synchrony on XXXX XXXX, requesting information about my billing error dispute and refusing to process my dispute if I did not respond. The first issue is that the form was only related to billing error disputes and not disputes under the claims and defenses section of Regulation Z. The second issue is that the form asked for all of the same information that I had previously provided to Synchrony. I tried calling Synchrony today ( XXXX/XXXX/2016 ) to determine what additional information is required, and the representative was unable to assist me. I believe that this practice of categorically denying all disputes without a customer completing a second form violates regulation Z and likely constitutes a UDAAP.

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 07/27/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (AR).
Issue: Account opening, closing, or management

Complaint: I signed up for citi gold Bank account with a targeted promo code few months ago for XXXX XXXX miles. After completing the requirement i received a message from citi stating that i met the requirement and will be rewarded the XXXX XXXX miles. Citi never did give me the miles and they charge me for several mostly fees.

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 08-12-2016 about Mortgage (Home equity loan or line of credit) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: My wife and I purchased a home and applied for a mortgage with Peoples United Bank. At the outset, I told them weIhad a long dated purchase contract which gave us 120 days to close and I did n't want to begin the loan application process immediately for I knew the rate lock would be an issue and that I intended to sell my current residence but wanted them to consider the new loan without requiring me to sell the existing home as a condition. I had ample assets to satisfy the loan application without selling my current home. 
Peoples immediately pulled a credit inquiry report in XXXX which I asked them not to do since I had n't wanted to start the loan process ( I was also travelling for work and out of the XXXX for a month ). As 30 days expired from when the credit inquiry was pulled, I then commenced the process and they pulled a second credit inquiry report. When they finally issued a commitment it required me to sell home and given the market conditions I was unable to do this. Then the loan officer suggested I take out a home equity loan which I applied for with the understanding I needed to have it closed by XXXX XXXX and yet another credit inquiry report was pulled. Peoples failed to deliver the commitment by the needed date and further knowing that my home was for sale required me to repay nearly {$5000.00} in costs if I sold the house within two years. They knew this made no economic sense yet ( and asked me to apply for the HELOC ) given the house was for sale. So not only did they fail to meet the XXXX XXXX timeframe they also offered me XXXX loan products which made no sense. And with XXXX credit inquiry reports my credit score was lowered by about XXXX points! It is the credit score reduction which i seek redress, I am XXXX XXXX XXXX and have paid every bill in my lifetime on time. I am proud of my strong credit history and want to be compensated or have the inquiries removed. Obviously they additionally failed to provide me with a mortgage product which I could use but I do n't believe I have a valid complaint for that as they are within their right to place conditions. Finally, it was never disclosed to me by Peoples United the negative impact to my credit score for the XXXX inquiries and this is fundamental to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Other transaction problem

Complaint: TRANSFERED FROM 1 CHECKING ACCT USING DEBIT CARD INTO MY COINBASE ACCT. WENT THROUGH. THEN THEY CHARGED DEBIT CARD A SECOND TIME. 
{$100.00} XX/XX/XXXX HAPPENED AGAIN ON THE XX/XX/XXXX. SAME THING. COINBASE TOOK  ANOTHER {$100.00} FROM SAME ACCT. 

HAD TO SEVER LINK BETWEEN. 

CALLED BANK. THEY ARE DISPUTING IT FOR ME. 

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: No knowledge of said debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Equifax credit report lists my wife 's XXXX revolving account as my own. I am a authorized user, but it is not my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: KEPT CALLING ALL MY NUMBERS HOME, CELL AND HOME ALONG WITH ALL FAMILY MEMBERS IN VIOLATION OF TCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom it  may conc erns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )   XXXX   XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Im being billed for a bill from XXXX and its affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency.

This is list of all the Hard inquiry.

1. XXXX XXXX XXXX.- DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- -- DATE XX/XX/XXXX 5.XXXX XXXX XXXX DATE 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 explanation
Consumer complaint received 02-12-2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX, NATIONSTAR, XXXX AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed bankruptcy Chapter XXXX and most f the items on my credit report has fallen off and states that it was resolved in Bankruptcy but there are XXXX items that is still showing thaat it is in collection and its XXXX car repos. I 'm trying to build my credit back up and its hurting it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had my identity stolen in XXXX XXXX and a number of fraudulent credit inquiries appeared on my credit report. The only remaining credit bureau that has not removed these fraudulent inquiries is Equifax. I have called Equifax and they still have not corrected all fraudulent inquiries. Below are all the online disputes I have submitted to Equifax and still there is no action from them. I 've called the companies associated with the credit inquiries and they have sent Equifax multiple letters to remove the inquiries due to fraudulent activity. Equifax still does not remove the remaining fraudulent inquiries. 

Here are all the disputes I have filed to Equifax since XXXX XXXX and Equifax still fails to resolve this issue : XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Wrong amount charged or received

Complaint: I paid an invoice through PayPal in XXXX and it did had a conversion rate of XXXX for XXXX usd. This exchange rate is much different from any other exchange rate. When I called to get an understanding about which entity they get their exchange rate info from I was given the run around. I was charged a total of {$480.00} when it should 've been around {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other

Complaint: XXXX Bank of america accounts over 10 years old. 
Ending in XXXX settled years agoEnding in XXXX settled years agoEnding in XXXX settled years agoI was told upon settlement years ago Bank of America would not report any Derogatory information to the Credit Bureau and they still are beyond statue of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank offered a {$250.00} bonus to those who open a checking account with them and make 10 debits on it within 60 days. Three members of my family took advantage of that offer and the other two have successfully completed the debits and received their bonuses, but they singled me out for different treatment and froze my account without telling me. My debit card never worked and they told me I needed a new one but that one did n't work either. No one told me the real reason, and the 60 days is rapidly passing without my being able to fulfill my debits. Every time I ask what the problem is, I get a different answer, and every time I satisfy their queries, they come up with a new roadblock. I asked for my original deposit back if they would n't let me make debits on it, and they refused because they have frozen it. I have health problems and am depleted from dealing with this, with still no resolution. I have gone into the local branch three times and spent a great deal of time on the phone with them, as well as their HQ, including their fraud department. So far I am still being treated very differently than my other family members, who did exactly the same thing in exactly the same way. They keep making new requirements of me, that were not required of others, and when I meet their requirements they make new ones. Enough is enough.

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 10-08-2016 about Debt collection (Medical) with Sa-Vit Enterprises, Inc. (PR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: the company attempted to collect UNEMPLOYMENT insurance benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On  XXXX / XXXX / 17  I called TransUnion to dispute addresses and incorrect spellings of my name or names I have never gone by and upon completion of the call the representative stated he had removed all addresses besides my current address and I would receive the update  in 5-7 bus iness days. On  XXXX   XXXX ,    2017  all the addresses were still there as well as the names I asked him to remove due to being incorrect/never associated with. So when the new report was received and I saw the information was still there, I called again and the representative stated that the copy I was looking at was old and another copy would come and that the had updated everything. I received the new copy today  XXXX / XXXX / 17  and it is still incorrect.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Due to gross mishandling of sensitive information and a clear disregard for data security, Equifax was the target of a hack that resulted in the exfiltration of the credit data and profiles of 143 million Americans, myself included.
Equifax failed to protect my data.
Equifax waited six weeks and still failed to notify me of my involvement in the data breach.
Myself and all others affected did not have a choice whether or not our data was held by Equifax. They had a duty to protect that information, and they failed spectacularly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Chase has been reporting past due payments to XXXX, XXXX, and XXXX. The reason is because Chase place a forced insurance on my note, when I already had homeowners insurance. I sent them proof of insurance and they corrected the problem in their system, but left me with past dues on all XXXX reporting agencies. I asked the mortgage department for help and they said it would be corrected in 60 days. This is totally unacceptable and needs to be fixed asap, because I am refinancing my home. They gave me a wrong fax number to send my complaint to and it was XXXX and I just found out today that it should have been sent to XXXX. This is totally unacceptable. My chase mortgage account number is XXXX. Please help with this issue

Company response to consumer: Closed with explanation