milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: I reported to Macy 's that they were reporting inaccurate information on my XXXX credit bureaus. 
I am using my XXXX report as an example : On XX/XX/XXXX I received a letter from Macy 's stating that their reporting was accurate. The account was charged off XX/XX/XXXX since me asking for information on my account Macys has been adding additional Charge Off ratings on this closed account. 
XXXX reported on XX/XX/XXXX Charge off marks added by Macy 's for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX XXXX reported additional negative recent CHARGE OFF reporting 's XX/XX/XXXX and XX/XX/XXXX. 
They continue to add negative information to each credit bureau that varies in accuracy. I believe this is violating my Fair Credit Report Act rights and are using deceptive debt collecting practices by continuing to report this inaccurate information on my files. 


This is causing me to be denied for my home loan and I would like this account removed immediately from my credit reports.

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 03-10-2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (IN).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of XXXX, I contacted Quicken Loans to inquire about a home loan to purchase a home for my family to live in Indiana. I was working with an individual names XXXX XXXX from Quicken Loans. During the process, I honestly disclosed to them that I had filed bankruptcy in XXXX of XXXX, and the Bankruptcy was discharged in XXXX of XXXX. 
XXXX XXXX stated that that should not matter, and that I was approved for a home loan. Weeks later, after I had my hopes up about being able to buy a house, XXXX contacted me, and stated that he now could not be able to approve me for a loan, because the bank that owned the loan on the house had not yet completed the foreclosure as indicated in the bankruptcy. XXXX stated that he would be able to approve me in a year, and to re-contact Quicken Loans in XXXX to re-start the loan process. 
I re-contacted Quicken Loans on XXXX/XXXX/XXXX, and have been speaking with XXXX XXXX from Quicken Loans. I explained to them what I was told by XXXX XXXX XXXX. Quicken loans is now stating that they will not be able to approve me for a loan, despite me being told by XXXX of their associated that they would be able to approve me. XXXX XXXX XXXX XXXX works for Quicken Loans, and when he tells a consumer something, he is speaking on behalf of Quicken Loans. It is illegal for a company to tell consumers something that they can not or or not willing to follow through with. I would like for someone to look into this, and hold Quicken Loans responsible to follow through with what their associated stated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultants , Inc via XXXX. Amount {$290.00} This Debt of {$850.00} was settled on XXXX XXXX, XXXX in the amount of {$550.00} PAID IN FULL per ( XXXX ), Supervisor for Diversified Consultants , Inc XXXX and that the account was closed. 

I received a bill of {$290.00} with an account opened by XXXX XXXX XXXX on XXXX XXXX, XXXX which I did not authorize and is now showing on my credit report. I have made XXXX XXXX } phone calls back and forth to XXXX XXXX XXXX and Diversified telling me that this account was settled on XXXX XXXX, XXXX. The last call happening on XXXX from Diversified XXXX XXXX XXXX XXXX stating that an email would be sent from XXXX XXXX XXXX supervisor to my address on Monday XXXX confirming settlement. I never received this email. 

I have documentation that supports my account was settled/paid in full via XXXX XXXX XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (I do not know) with Southern Management Systems Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is a XXXX XXXX account ( XXXX ) on my credit report that should not be reporting on my credit. This account is very old and I have not lived at those apartments for over 10 years. The collection agency who bought this debt, Southern Management, is also trying to charge me an amount that has been grossly inflated to what the original amount was. They are trying to say I owe them {$4900.00}! I have disputed this numerous times and I have not been provided with evidence nor a detailed explanation showing how XXXX calculated what they say I owe. According to the Fair Debt Collection Practices Act, Section 808 : " A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. '' Any collection fees or interest that have been added by XXXX is unlawful and they should not be reporting this account to my credit this way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Not sending my bank info to my  XXXX  account app

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (NC).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: On  XXXX / XXXX / XXXX  I received several phone calls from a number I did not recognize  XXXX   XXXX   XXXX   XXXX . I called and gave the person that answered the phone my name ; company identified as  ARA.  They transferred me to someone that called me by my maiden last name and repeated to me my full social security number. They asked if I had  a MasterCard wit h an outstanding balance of $  XXXX . I told them I did not know what they were talking about and from when. I was transferred again to a  XXXX   XXXX  who informed me that she was collecting a debt from a MC from  XXXX  and that if I did not pay they were filing a lien on me i n the county that I lived in and liens against all of my credit cards ( Naming my credit cards and the li mits on each ). I explained that I paid off this debt and I had the proof at home, that I was currently at work. She said she could only hold the account for  24 hours. I said this was the first I have heard about this and how can she lien me when I have heard nothing about this. She said that they would only give me 24 hours before they started garnishing my wages. I told her that I would get my attorney on th e phone and they could speak to her and she said ok. When I attempted to give her the name and number of my attorney she said she could not speak to her and my attorney needed to call  XXXX   XXXX . I had my attorney call the company and they said they were unable to speak to her and requested her bar number. They said I could call back and give her permission to speak to them or fax them a verification. My attorney advised me not to call these people back and after research we have found that they are scammers. They had all of my personal information including my complete social security number and they fraudulently demanded payment on a debt that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX IS REPORTING A DEBT THIS IS NOT MINE. THE ORIGINAL CREDITOR IS XXXX XXXX. I HAVE NEVER LIVED AT XXXX XXXX. ACCORDING TO COURT DOCUMENTS PERSON WHO LIVED THERE SOCIAL ENDED IN XXXX. NOT MY SOCIAL. THEY WERE EVICTED AND FILED BANKRUPTCY AND THIS IS PUBLIC RECORD. MY COUSIN AND I HAVE THE SAME EXACT FIRST MIDDLE AND LAST NAME. SO MY NAME IS VERY COMMON. THIS IS NOT MY DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: Reference previous complaint XXXX This is a follow up to the referenced complaint. An XXXX XXXX phone number XXXX contacted me to the effect that she was handling the complaint, she was going to listen to the phone calls etc. AND then she would send me a letter when the investigation was completed. I responded all well and good but what about changing my recurring payment to {$120.00} per month like I have been requesting and being told the change was made when in fact only a change for one month was made and not my recurring payment changed to {$120.00} She responds I did that already and a one time payment change for XXXX was made. At that point I lost it. She did the very same thing that the original complaint is about. Just made a one month change and just like the other customer service reps, not following instructions. She is as pathetic as the three customer service reps I complained about. Also she was rude and just kept saying it was under investigation, etc. She said a letter went out and sure enough I received it yesterday and it stated a one time change for XXXX and then it would go back to {$250.00}. I am going to write to the attorney general and the state banking commission.

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 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: HarleyDavidson collections was Paid for debt owed on XXXX XXXX,2015. STILL shows as being open on XXXX XXXX credit. called this establishment and was told that it takes 30 - 45 days to be removed. It has been 43 days effective today.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken especially with regard to the credit inquires. A proper investigation has yet to take place if this complaint is closed without proper action being taken by your company I will seek legal means to take action against your company through the judicial process. I have attached a police report verifying that I have had numerous accounts that had been opened fraudulently while serving in the XXXX XXXX. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable {$2500.00} per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. 
First I want to address the Current Address my current address is and has been for 6 years : XXXX SC XXXX I have never resided at : XXXX SC XXXX I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA. The accounts and inquires that need to be removed are as follows : XXXX XXXX Account # : XXXX Condition : Closed Balance : {$4400.00} Type : Credit Card Pay Status : Late 90 Days XXXX XXXX Account # : XXXX Condition : Closed Balance : {$3600.00} Type : Credit Card Pay Status : Late 120 Days XXXX Account # : XXXX Condition : Derogatory Balance : {$0.00} Type : Pay Status : Collection/Chargeoff INQUIRIES : XXXX ATTACHED IS THE POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (HI).
Issue: Account opening, closing, or management

Complaint: I received a message from XXXX XXXX informing me my credit had dropped due to a hard credit inquiry from CBNA Bank on XXXX/XXXX/2016. I do n't know CBNA and I did not apply for a credit card or loan so I did not approve a hard inquiry. Now I 'm worried someone has used my information to open an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The XXXX XXXX ( California ) Recorder shows a massive owed debt on my credit report, for XX/XX/XXXX and XX/XX/XXXX. 

I did live in XXXX during some of this time, but I was not working the entire time ( 2 months one year, then XXXX the next at a XXXX company ) both times as a employee making roughly median wage there. The amount they claim i owe is substantial, over XXXX and XXXX for each year. 

I have contacted the XXXX recorder 's office, and they have NO documentation about this at all, and do not understand how i could possible owe the amount claimed. As they are unable to provide ANY paperwork backing up this claim, i 'd like it removed from my credit reports. Experian and etc do n't make this easy as it 's a government entity on my report, not some bank. 

What can I do? They ca n't or wo n't send me anything showing how i owe this debt I know I do not owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After the XXXX of every month I receive a collections call from Wells Fargo Home Mortgage. This call is because I do n't pay on the XXXX. I have until the XXXX til a late fee is charged. I have the whole month to pay. I get XXXX calls a day! I am not behind in any payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (IL).
Issue: Credit decision / Underwriting

Complaint: I am in desperate need of assistance I have being working with Wells Fargo. However they are refusing to settle with me, I was advised by Agent XXXX on XX/XX/XXXX from the recovery department if I find any mistake from Well Fargo they will settle with me. Therefore I submitted a letter requesting a settlement because in the Transaction statement history I was not given to proper credit towards my principle. To make matters worse in XX/XX/XXXX I made a payment to Wells Fargo for the amount of {$370.00} I was not given any credit to my principle this is clearly showing Wells Fargo was taking a bigger amount towards the interest only. I have a fix interest rate of 8.175 % and the monthly payments were for the amount of {$370.00}. The breakdown of the payments should of been how it shows in my mortgage statement which is Principal {$65.00} and Interest {$300.00}. brings a total of {$370.00}. However Wells Fargo did not give me credit for that payment and all the other payments were never broken down properly, Like I have mention I was advice trough a recorded call when I spoke with Agent XXXX if I find any mistakes they will settle with me. I do not have any additional funds to offer Wells Fargo. I was paying Wells Fargo for almost 6 years and with in those years after adding all for my history. Wells Fargo credit me {$2800.00} towards my principle and {$24000.00} towards interest. I am more than sure that Wells Fargo is practicing fraudulent and deceptive practices in order to prolong my loan. Please request a explanation from Wells Fargo. Thank you.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with Whitney ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in  employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" Whitney sent a XXXX  in XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently WhitneyXXXX XXXX is in violation of Federal and State of  Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge.
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Struggling to pay mortgage

Complaint: I have already tried to get my money back from XXXX XXXX but have not gotten any as of yet. My real complaint is against Nationstar Mortgage. They are not really trying to work with me on my mortgage modification. They are using things I do not understand to turn me down and when they do send me a modification it is less than 50 dollars from what I am paying now. I have filled out several modifications and none have been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (AZ).
Issue: Problems caused by my funds being low

Complaint: TCF Back returned XXXX items on XXXX/XXXX/16 even though the money was in the account. Their reasoning for returning the XXXX items that total {$89.00} was because I had a pending item that as of today XXXX/XXXX/16 still has not posted. They charged me {$140.00} in overdraft fees even though my account balance was NOT negative. Their reasoning was they authorized the payment at XXXXCST on XXXX/XXXX/16 so since the charge was authorized, it MIGHT overdraw my account. Out XXXX check was deposited on XXXX/XXXX/16. Even though the bank was closed and the cut off time for my XXXX payment had passed and was not going to post. So in essence I was charged XXXX % more than my actual items. TCF Bank is raping their customers with this unfair practice. A pending item may or may not post, it could have been cancelled, it could be a temporary hold. You can not return items on speculation. I contacted TCF customer service and they were rude. They would only refund {$50.00} so I am still out {$98.00},. This unfair business practice can not be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other service problem

Complaint: I download an app to help me get access to my next check ( avtivehours ) The app inform me that my bank isnt cooperating with keeping my bank balance up to date. This needs to change immediately

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is 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 explanation