AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: They are reporting old debt as new accounts 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: CMRE Financial Services of XXXX CA, specifically, XXXX and XXXX XXXX, submitted collection actions to the credit reporting agencies which dropped my credit score over XXXX points and prohibited me from getting jobs as I work XXXX and the collections on my account would make me ineligible for jobs in the industry. I contacted CMRE and they acknowledge that reporting invalid debts is illegal they only apologize and state they will remove them from the credit report. This does n't fix the fact that I 've been unable to apply for jobs due to the collections being on my report. The debts were clearly paid and no longer existed but CMRE did n't do due diligence to ensure the debts were valid and legitimate. They refuse to accept responsibility for their wrong doing. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was deployed to XXXX in 2012 XXXX XXXX - XXXX ). While deployed I was living near a local village and did n't have regular access to mail, internet or phone. I received a letter from my auto loan holder XXXX Navy Federal Credit Union XXXX that I missed a payment. I had setup the account to be paid automatically each month, in excess of the minimum amount, using my XXXX credit card. I called NFCU and asked them why and they told me over the phone that I was late and it was because of insufficient funds. I told them this was n't possible, I was deployed and had more than enough available credit to pay the auto loan monthly bill. I spoke to a manager who told me there was an error processing my card, and it was the bank ( NFCU ) fault, not my own fault. They said they were sorry and would delete the late payment from my records ( 30 days late ). A month later I checked my credit report and it was reported to the credit agencies. I called NFCU and asked them to remove it and they denied my request. I immediately asked what the total amount owed was and told them I want to pay off my loan in full. I paid off my loan in full that day because they could n't process my payments correctly. 

I have since submitted disputes with NFCU directly and with the XXXX credit agencies. I have not received resolution. NFCU will not remove the late payment report and neither will the agencies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit score was increasing normally until XX/XX/XXXX with no hard inquiries made to it. When I verified it on XX/XX/XXXX, my scored hay decreased by XXXX with no statement or explanation reflecting the root cause of the reduction. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: these debts were paid off in full and still put on my credit report anyway. ( XXXX XXXX XXXX. Stellar Recovery was given my visa card # to take the money directly from my checking acct. XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called stellar recovery told them what I had done and why. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am XXXX XXXX XXXX during the month of XXXX XXXX XXXX I purchased a XXXX Nissan Versa from XXXX and my car loan was handled by XXXX. I have recently become aware of the fact that allyauto has been ordered to pay back customers that were profiled and charged higher interest rates because of race and ethnic background between the years of XXXX. Being that I am a XXXX citizen and I acquired a loan through XXXX i am concerned that I may have been a victim of this XXXX way of business. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: THERE ARE SEVERAL INCORRECT ITEAM LISTED ON MY REPORT WITH A FAMILY MEMBER NAME NOT MY OWN. I HAVE CONTACT CREDIT BREAU IM NOT GETTING ANY HELP. IM TRYING TO GET A HOME WITHIN THE NEXT 30 DAYS IN BY THIS INCORRECT INFORMATION BEING ON MY ACCCOUNT IS HOLDING ME BACK 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We bought our house XXXX/XXXX/XXXX. The insurance renews on XXXX XXXX of each year. On XXXX/XXXX/XXXX, the insurance company received the annual payment from Ditech. Ditech did not insure the house for 25 days, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Ditech disbursed from our escrow account the annual insurance payment on XXXX/XXXX/XXXX. The money floated on Ditech 's books for 46 days. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I had a collections on my credit with XXXX XXXX XXXX. We tried to pay it, but they sent us to collections because they said I could not pay with them. Yes we were way behind, hard times at that time, it was either food on the table or car insurance. So I contacted the collection company and they told us that if we paid the debit it would be removed off credit. We settled and it is still on our credit. Its says paid, however it 's still there and they told us if we paid it would be removed! Here we are trying to clean up credit and pay everything off, yet its still on credit! What was the point! 

Can you please contact Credit collections/XXXX and have them take this off all credit reports! We paid it! 

Thank you!!! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The address of : XXXX XXXX XXXX, TN XXXX is incorrect. I have never lived in TN. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX 2013, I became a XXXX. During this time, my daughter and I shared an account through XXXX. During XXXX of my " XXXX '' I deposited some Mailbox Coupons into the XXXX account as cash, I do n't even remember this happening : ( XXXX contacted me immediately and with the utmost embarrassment, I went into the local branch to clear up my mistake. I received a lecture from an account representative, paid the money that I owed, and had the account closed. I was assured that because I resolved it immediately there would be no repercussions other than the sheer embarrassment of the situation in front of town 's people and my daughter, I stopped XXXX. Here we are over 2 years later and I am working really hard to get my credit up and stick to a stringent budget. This is when I learn XXXX has reported " XXXX '' on XXXX/XXXX/13 and the closure status is " not reported. '' This is on my credit report, is keeping me from opening a bank account, and simply not right considering I was told there would not be anything reported in regards to banking or me. Granted I know I made a horrendous mistake and I tried to make amends as quickly as possible. I wish it had never happened but it did and I do n't think I should have to continue to pay for this error especially when I was told I would not have to over 2 years ago. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We could not make our mortgage payments. We tried to do deed in lieu. Ocwen Loan Servicing kept sending us letters that are deed in lieu is the process. We tried doing a short sale before that but do to storm XXXX no one would buy. We waited almost 3 years with a run around from this company saying are deed in lieu is in process. Every time we tried to contact them they said they are missing a paper. They would say same thing no matter even when we resubmitted it. No would ever contact telling they needed the info. They told us that we did n't have insurance. To make a long story short, they basically made us wait so are bills would be outrageous. They finally accepted the deed in lieu last year. Now the tax XXXX says house is only worth XXXX. That is a total lie. My tax consultant said I would owe about {$40000.00}. They should be responsible since I had no way to contact these people. They outsourced calls to XXXX. No one ever listened to you. They would say I would have to wait. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I applied for a Citigold Checking account using the promotion code XXXX with offer terms stating that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 days from the end of the statement period in which you complete all offer requirements. '' The relevant account was opened on XXXX XXXX, XXXX and the offer requirements were met during the XXXX and XXXX statement cycles. The XXXX cycle closed on XXXX XXXX, XXXX. 90 days from XXXX XXXX, XXXX is XXXX XXXX, XXXX. 

The 90 day period following the completion of the offer provided ample time for Citi to fulfill its promotion. At no point during the 90 day window were the points credited per the terms of the promotional agreement. I have contacted Citi on multiple occasions XXXX during and following this window to establish the status of the points, but have not been provided with a satisfactory response. 

In my most recent correspondence with Citi, I explained the problem, of which the bank was already aware. I further expressed that Citi 's delay was preventing me from using the credit to purchase upcoming travel. The representative was unable to explain why the points had not been credited and was unable to provide a reasonable date upon which the promotional points would be deposited. The representative in question refused to resolve the issue and terminated the phone call. 

Citi has demonstrated a clear unwillingness to resolve the case. The bank has engaged in misleading marketing practices and false advertising by failing to deliver upon the terms and conditions of their promotional offer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted Trans Union to dispute information on my Trans Union credit file regarding a XXXX private student loan because of numerous credit reporting errors including misrepresentation the data furnisher is providing Trans Union. I spoke with XXXX at Trans Union ( United States ) on XXXX XXXX. The conversation lasted 50 minutes, and specifically detailed the innaccurate account reporting, description, and status of both XXXX private student loans. 
1 ) .The accounts both report date of first deliquency beginning XXXX and XXXX. The report indicates otherwise as fdate of deliquency XXXX and XXXX. 
2 ) Credit report dated XXXX relfected erroneous account information again. Reported as " Charge-off ''. XXXX XXXX called XXXX customer serivice the same day to verify the account status and XXXX XXXX XXXX verified " not charged off ''. ( See attatched doc # XXXX ) 3 ). The accounts are 18 years old and the payment data history is inaccurate, payment history is over ten years, data furnisher removed all previous payment data ( historical data incorrect ). 
4 ) The account responsibility is incorrect. 
5 ) The account number is not listed. What is listed is my social security number. Education loans are no longer permitted to use social security numbers as account numbers. This is a compliance issue the CFPB and FTC should investigate the use of social security numbers as account numbers on ( educational loans and credit reports ) as it can create a security and privacy issue. 
==================================================================== Violations of Fair Credit Reporting and Truth In lending 12.CFR 10 22.40-43 Furnishers Rule Regulation V Subpart E. ( Request for CFPB Administrative Proceeding ) Trans Union ( CRA ) does not fully comply with furnishers rule and often neglects to use XXXX format during the reporting and investigation process resulting in systematic inaccuracy. The data furnisher continues to supply false and erroneous account information to the credit bureau including payment history, account status, responsibility, and other false or inaccurate information leading to logical inconsistancy. Trans Union does not maintain reasonable procedures in cases of disputed accuracy and willfully ignores disputes, resulting in no correction. Information must be one hundred percent accurate or must be deleted. XXXX XXXX has disputed the account previously under fair credit billing which the data furnisher and CRA has not met FCBA or FCRA rules, in addition data furnisher, or assignee violates other lstate or federal laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 Flagstar Bank initiated a process for us to prove we had homeowner 's insurance active or they would place forced insurance on our house. This information was provided in full on XXXX occasions, both XX/XX/2015 and XX/XX/2015 which included insurance coverage and the contact information of both our insurance agents. ( The coverage had moved to another carrier during this process. ) The coverage was by XXXX name brand insurance agents which are easily contacted via the numbers we provided. With no notice, only a notice of " shortage '' in our escrow account, did we discover that Flagstar had forced insurance coverage ignoring the documents we had uploaded via their own online system with automated replies stating they received the information. Any help would be appreciated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I ca n't log into my online experian account and I know I am answering the security questions correctly. I looked on XXXX XXXX and an address in XXXX is showing up and I 've never lived anywhere outside of XXXX. I researched the property and.it says the property owner is a XXXX year old XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I called Bank of America regarding a debit to my account of {$200.00} from XXXX XXXX Card Services. I asked if the item would be returned before my direct deposit cleared on XX/XX/XXXX. The representative told me I would be charged a fee but it would not be returned. It was returned. I was charged not an overdraft fee, but a fee of {$35.00} for a returned item. What I have requested is that they not take my word for it, but review the recorded conversation between myself and the rep and supply me in writing that it was her error and not mine so I can forward it to my credit card company. I had XXXX choices, I could have deposited the {$200.00} or declined the extended credit limit from XXXX. One of the supervisors I talked to hung up on me ( although she noted " disconnected '' ). I was on a landline. We were not disconnected and she did not try to call me back. The next supervisor/manager I talked to continuously talked over me, repeating the same thing as if I were illiterate instead of listening to me and answering what I was asking her. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am placing this issue in the Consumer Protection Agency as my previous XXXX call to Macy 's Finance on this as the person handling the call was disinterested. I was given no reference #. The CSR heard " divorce '' and demonstrated no patience from then on. 

I ask : Why should one divorced spouse 's late charge card payment damage the other spouse 's credit? 
In XXXX XXXX, my former spouse, years after divorce, made a late payment ( 30 days past due ) on her Macy 's card ( XXXX ) an oversight on her part ). I had no idea my name was still associated with the account. Macy 's placed this late payment on my credit report, even though I do not receive, pay or have access to my divorced spouse 's bills. How could I possibly know enough to be responsible for this payment? My name was to be removed from this account as part of the divorce. 
Even further, though I have excellent credit and on-time payment history, including for any number of charge cards, I was turned down for my own Macy 's card based on this one item. For decades, Macy 's has been my favorite store. Why turn away good customers? On principle, though reluctantly I avoid shopping at my long-term favorite store. 
I ask Macy 's to consider how unfair and harsh it is to ding a person 's credit report when he is divorced, has no access to the bill in question, and was told his name was being removed from this charge card years before this charge occurred. 
I ask Macy 's to : a ) Remove my divorced spouse 's XXXX XXXX late payment from my credit report b ) Confirm my name is no longer associated with the Macy 's account ( as I had originally requested. 
I greatly appreciate Macy 's consideration of this issue and my request. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, BOA finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with XXXX XXXX. XXXX XXXX provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. BOA, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from XXXX XXXX ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when Bank of America Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage Loan # XXXX XXXX XXXX XXXX Loan # XXXX Bank of America Loan # XXXX XXXX Bank-No loan number, but Foreclosure Case # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent my online payment from my bank XXXX/XXXX/2016 to my USBank Business Credit Card. The payment was due on XXXX/XXXX/2016 - a Sunday. USBank says they received the payment on XXXX/XXXX/2016. They card is continuously paid off each month so there should be no interest. They charged me {$39.00} late payment fee and $ XXXX interest. The payment should not have taken two weeks to get there. This is the second time they have said it was late when it was mailed in at least two weeks prior, just a couple of days after the bill is received. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX I was notified by Experian that my credit score had dropped significantly. When I checked into this, I found that a credit union which I settled with in court re-reported my account as 2 years past due. After seeing this, I contacted Experian to dispute this report. 
In XXXX, I took out a personal loan through my credit union. Towards the end of XXXX I ran into financial difficulty and could not afford to pay my debt back. In XXXX, my credit union reported my derogatory status and closed the account on my credit report. That same year they filed a judgement against me, which I ended up satisfying in XXXX. I have court documents stating this settlement. Now it 's XXXX and this credit union is just reporting that they charged off the account and are showing non payment for XXXX - XXXX. Because of this it has dropped my credit score XXXX points. Can you help in with this incorrect credit reporting? 
Regards! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with BOA failed to achieve any resolution. Will never do business with them again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: someone has used my personal information to open up this account that is not mine ... my information has been stolen and this was opened fraudulently i have filed a report with the police department regarding this matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are accounts in my credit file that do not belong to me and Trans Union is n't responding to my requests to investigate and remove them from my credit file. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a credit card with Wells Fargo Bank. Payments are due on th XXXX of each month. I have an automatic bill payment set up with XXXX to occur on the XXXX and arrive by the XXXX. For XXXX months in a row, Wells Fargo has not received/posted my payment until after the due date. Two weeks after the payment generated to them. I beleive Wells Fargo is delaying posting. There is no reason why a bill pay check between XXXX of the biggest banks in the world takes two weeks for delivery. Wells has reversed the XXXX fee when I called them. Im not sure if they will handle the XXXX fee since they told me it was a one time " courtesy ''. They could not explain why the delay, saying only that the posting date was the date of receipt. They encouraged me to have WFB draft the payment against my XXXX account. However, I want the process to work as it has for several years of having this account. Prior payments have never posted this late. 

There seems to be some fraudulent activity here to inappropriately charge customers fees that are not of their doing. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally Bank does not know how regulates them. I wanted to submit a complaint and they do not have a clue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Please remove from my credit report. 

Company response: Company can't verify or dispute the facts in the complaint