milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A new name was added to my Trans Union credit report It lists a middle initial I do not know who added it I do not have a middle name or initial

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 04-04-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Closing/Cancelling account

Complaint: Background : We have had this card since XX/XX/XXXX and have used it on and off during that period. Normally for " additional '' expenses. On XXXX XXXX, XXXX we went to use the card, while we were traveling, and it was declined. We figured it was because we were traveling. We called the XXXX number on the back of the phone, thinking we just needed to let them know we were traveling and get the card enabled. Much to our surprise, we were told they had closed the account due to non usage in XXXX XXXX. When asked why they had not notified us they said that " we e-mailed you ''. When we asked them to " re-open '' the account they indicated that they could n't and we 'd need to reapply. 
My complaint is, an e-mail is not a notification when it comes to something financial. Especially since we had just received new chip enabled cards the in previous couple months with an expiration date of XXXX/XXXX/XXXX. In this case CITI bank left us in an extremely bad situation, as this was the credit card we had planned on using while we were traveling. Now I am hoping that this has n't messed with our credit. Especially since they did n't notify us about the closing.

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 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed an account from rent recovery and asking for more information and proof of the account.there was no document sent to me to validate the debt or the balance. Which is odd

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I hired a company to address this issue but has not been able to rectify the issues. I sold my home in XXXX 2015. XXXX was paid in full and has sent me the documentation. The title company has confirmed with me the balance was paid in full. The bureau is stating it was legally paid for less than the amount owed. Each month it is reporting delinquency and my credit score goes down every month.

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 10/17/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: i sent {$30.00} USD to someone to pay for art over paypal. Previously, they have sent the art, however this time it has been over 30 days, i have tried contacting this person, and they keep putting me off.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I 'm not sure if I selected the correct category to describe what I 'm going through but I had to select something. I attended a cosmetology school from XXXX. When I approved on their end and now I have to wait on an approval from the dpt of ed. I first went to the school for information on joining I did n't have a high school diploma. I was told by XXXX of the staff members that I can quickly get a high school diploma at XXXX XXXX school online. I took all information I needed to get enrolled, went home and got the diploma online and all other documents I needed then went and enrolled in the school which was then called " The Academy of Hair Design ''. The school was all out of whack, they did n't have any steady teachers in fact had me teaching the students how to braid hair. It was crazy and due to the fact that that school could n't benefit me and me losing my baby sitter I left after a few months in. I felt that we were n't learning anything at that time. So all of these years later I am thinking I have a high school diploma. Well recently, I have been inquiring about going back to school only to find out that my diploma is a FAKE diploma and the school XXXX XXXX XXXX was shut down for selling fake diplomas and doing fraud. I immediately went online to get the contact info for XXXX XXXX XXXX design to only find out that school was shut down and is now operation under a different name " XXXX XXXX XXXX ''. So I am now crushed to the bone because I have a FAKE diploma and now need to go get a GED mean while my oldest son will be graduating high school soon ( I 'm embarrassed ), and also both schools are shut down on me. So I 'm in a lose- lose situation. I should not be liable for this debt as I was tricked into getting it by both parties and I now have to start from scratch as a mom with XXXX kids and get a GED. These student loans have been haunting me for 9 years and I did n't even get anything out of it but a fraud high school diploma that is now trash. How can I tell my children that I do n't have a diploma when I 'm constantly on their backs about school. It 's so embarrassing and causing me XXXX. I filed for an " Ability to benefit claim '' with Navient. I called Navient and they told me it was approved by them and it 's now awaiting approval from dpt of ed. I called the XXXX of XXXX several times as I am trying to enroll in a GED program for XXXX but I need to get this situated. Dpt of ed is telling me they do n't have my file. I am lost, depressed, stressed, embarrassed, frustrated and just want these fake student loans deleted out of my and off of my credit reports so I can start over!! PLEASE SOME ONE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: OCWEN LOAN Acct # XXXX Ocwen Loan Servicing is reporting inaccurate and damaging information to XXXX. The above account appears on my credit report but I do not have that mortgage. We spoke with XXXX onXX/XX/XXXXand sent a letter for investigation, We spoke with XXXX onXX/XX/XXXX and sent a letter for investigation. Letters were sent to the research department the research department in XXXX and XXXX but there was no response. The item must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Consumer Loan (Installment loan) with EZCORP, INC. (FL).
Issue: Taking out the loan or lease

Complaint: I was offered a loan for XXXX dollars but in order to receive the loan I they said they would deposit some funds into my account and I would have to send the money back to them through money gram to see if I would pay it back. This happened XXXX and I did not want to continue with this practice but they kept adding more money into the account. Later found out that the money that was deposited was claims against other bills that I have already paid that were being returned by the bank to my account. This led to chain reaction to other debts being in default because of this scam! Now when I reported to the bank about the claims they said they would reverse them and my account would be in the negative and my debt payments would also have to be paid. I am out XXXX dollars x XXXX the number used by the scammer is XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with Grant & Weber (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Grant and Weber to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I made a cash deposit of {$250.00} ( 2 {$100.00} bills and 1 {$50.00} bill ) and the ATM took my money but did not credit it to my account. It gave me a receipt citing an ATM error and asked me to call a 855 number. I called immediately and was told the funds would be in my account after the holiday, on Friday XX/XX/XXXX. It is now XX/XX/XXXX and the funds are still not in my account. I had to make another {$200.00} deposit to cover some of the transactions and avoid overdrafts but over the following weekend, a lot of transactions hit and overdrew the account, since they did not deposit the {$250.00}. I spoke to XXXX at the XXXX Branch, XXXX Branch Manager at the XXXX branch and they refused to give me a provisional credit on my account. The funds are still not there, and the practice that this bank has of taking funds and refusing to give provisional credits while they investigate THEIR own ATMs is the worst disservice to their customers. What if I did n't have any money for food, gas, etc.? The bank is putting people in very precarious situations and it is unacceptable!

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 04/15/2017 about Mortgage (Other mortgage) with Ditech Financial LLC (WY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making extra principle payments to ditech to pay off my mortgage early. When I asked for the paperwork telling me the loan was paid in full, they told me I owed an additional {$2700.00} in a deferred interest payment from 2005. I asked why it was not on any paperwork, statements, credit reports, etc, and was told they did n't know but I still owed it. I asked who authorized this and requested any and all documentation considered in this incident including signatures and was told I would receive such in seven to ten working days. 
I have since contacted them on more then one occasion, requesting the same thing and getting the same canned answer, but no results, no paperwork, nothing but a practiced stalling technique. First off, I think this should have been disclosed on my monthly statement, if it was legitimate. Second, the amount is nonsensical and excessive if legitimate. Third, I think they may just be trying to recoup the lost interest if the loan was paid to reach maturity. I DON '' T KNOW. They have kept this charge secret and continue to do so, while my house is now paid off. Is this a standard practice for all mortgage lenders or is there some illegitimacy here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I went to a dentist for a full mouth rehabilitation case. The total cost for my case was over {$50000.00}. It is usual that half is paid when the dentist prepares the crowns and half, upon delivery. I paid the dentist over {$27000.00} with my CARECREDIT card account by SYNCHRONY Bank, which is used for medical and dental purchases. The dentist never completed or delivered the promised services and goods per our agreement, in over a year. I then filed a dispute with CARECREDIT for " NON-RECEIPT OF SERVICES AND GOODS '' and " NON-DELIVERY OF SERVICES AND GOODS, AS AGREED '', which are two examples of billing errors that must be enforced by Creditors, under THE FAIR CREDIT BILLING ACT. They contacted the Provider, who pretended the work was still ongoing, although I had not heard from him in two months. I sent undeniable proof of the BREACH OF CONTRACT to CARECREDIT. I had been trying to reach the dentist without success and sent him two certified letters that had been left unanswered. I was still in " Provisionals '', so it was evident I had not received the final crowns. Then SYNCHONY BANK wrote to me that because they had credited me a different sum for another dispute, with another dentist, four years earlier in 2011, they could not credit me or reimburse me for this dispute. They of course, conveniently left the name of the other dentist from their response letter. I contacted them to say that the old dispute with the other dentist, had nothing to do with this new dispute with my current dentist ; they never responded to me and then released the disputed amounts in the Provider 's favor. It was evident that no matter how well documented my claims against my dentist were and how obvious his unethical and abusive business practices were towards me, SYNCHRONY BANK was going to side with him, the Provider, instead of protecting my rights as a Consumer ; ( because it was easier and less expensive for them, to do so ).

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I had a discover card with payment protection which showed a charge for on all statements. they refused to use this insurance and sued me in court which I was unable to attend due to a death. My mother. They got the judgement and attached my wages as well as a lein on my home. this debt has been paid in full per my payroll dept and they have yet to remove the lein on my home thus preventing my refinance in order to save my home. I have communicated with there attorney by fax and requested this be removed and copy the release to the VA to show the lein has been removed. As of this date XXXX/XXXX/2015 there has been no response to remove this lein. I would like the justice department to look into this practice of denial with records of this insurance on the statements from discover bank as well as securing this relieve of lein at once.If there is no response I would like the justice department to support this senior citizen as well as all who have been doused by this charge that is denied when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been a victim of identity theft and have provided Transunion with a police report several times. I have disputed inquiries that have showed and run fraudulently and not authorized by me which is a result of my identity theft. Transunion refused to delete or investigate these on several occasions. After calling back yesterday I was told to prevent this from happening in the future I can pay for their credit lock feature which would block people from being able to request or view my credit. I was basically forced to buy a feature that did n't even work for me, after trying to use their credit lock feature I was told to contact customer service because there was a error while trying to do so. After contacting customer care I was told I am unable to place a credit lock on my credit due to the fraud alert I have on file. 

The items below are all the inquiries I am deleting. TransUnion stats these are permissible inquiries however I did not give my permission, furthermore these are hurting my credit score. I have not applied for credit in 4+ years. All these are a result of identity theft. 

The inquiries I am disputing are : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I applied for a Citi XXXX XXXX Credit Card with the promotional terms of XXXX XXXX points after spending {$2000.00}. Citi now refuses to honor the promotion stating that I have had another card opened in the prior 18 months. However, there is no disclaimer on the application or in the fine print that states this exclusion. Simple case of bait and switch. I have a copy of the application with the promotional terms and the disclaimers as proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Medical debt) with USCB, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 

Furthermore, Sec. XXXX. UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( XXXX ) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: I have been doing business with Western Union for more than ten years and on the XXXX of XXXX 2016, I received a shocking news of my life. I sent money to my cousin in XXXX with an agent in my neighborhood at about XXXX. I was told by the cashier that she will put it on hold because I need to call this number XXXX to answer questions from Western Union customer service. When I got home at about XXXX I called the number from my home phone and answered few questions, the customer service representative assured me that she was going to release the money. I called my cousin at about XXXX Eastern Time and XXXX XXXX time to give her the TRACKING NUMBER. At about XXXX I had a call from my cousin, she was at the bank and the Bank said the money has not been released and the tracking number is not available. I immediately went over the tracking number with her and it was correct, I then called Western Union, the customer service representative told me that it has been picked up by the receiver. Western Union gave me the pick up time at XXXX ( XXXX Time ) a city in XXXX I said I am on the phone with my cousin the receiver, she was told the money has not been released and the tracking number is not available. I was devastated as well as furious. I have been given the run around, various representatives told me the case is being investigated and will call me from 24 to 48 hours Now the investigation is going to take 90 days. No one has called me, I have called more than eight times and spoke to representatives from all over the world. 
I need my money as soon as possible, I am a valuable customer for all these years. This is not a credible business practice, I am supposed to get my money back and not wait after an investigation, because proper protocol was not followed. No one knew the tracking number only Western Union, my cousin and myself, meanwhile both of us do not have the money. So if the money was picked up before the receiver got to the bank whose fault is it. I need answers as to what happened to the money and want my money back. 
On the XXXX day I called Western Union and I was told the case is closed, because picked up the money. I told them that is not possible and I need proof. I have spoken to three different people the latest person was on XXXX XXXX. This representative told me to go to the local precinct and obtain a subpoena and submit it to someone at the Western Union office. When I went to the precinct and told them my issue the detective told me they do not handle such cases. I tried to call the number that was given to me to submit the subpoena to ask questions. When I called the phone number, I had a recorded message asking for the XXXX digit extension, but I was only given XXXX digits. There so many inconsistencies and i just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I asked this company to remove inquiries dating back to 2015 that are not mine. I paid for credit monitoring services and they still refused to ever remove the inquiries. I simply want the inquiries removed so my credit report is correct

Company response to consumer: Closed with explanation