milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: - XXXX/XXXX/17 I got identity theft and XXXX ( XXXX XXXX ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a past loan account with Navy Federal Credit Union. I was late on the account and it was reported as such. I later was able to refinance the loan with Navy Federal Credit Union. As a result of me refinancing my original loan ( still with NFCU ) NFCU created a new loan, new account number with updated terms of the loan. Unfortunately, NFCU reported the exact negative information that was reported in the original loan in the newly refinanced. <P/>This is not accurate. My credit report with all 3 reporting companies XXXX, XXXX and XXXX  for several years continue to report that I had to loans with NFCU and both have the same late history being reported. <P/>I have disputed the information with each of the credit reporting companies with no resolution. I have contacted NFCU personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XXXX XXXX XX/XX/XXXX Executive Response Unit Citibank , N.A . Office of the President XXXX XXXX XXXX XXXX XXXX, SD XXXX In reference to your letter dated XX/XX/XXXX responding to CFPB Case # XXXX regarding blocking my Citicard credit card account I have the following comments : 1. Both your letter and your summary to the CFPB omitted the amount of the potential fraudulent transactions. {$10.00}. I repeat the amount here to emphasize that I expect common sense to determine security actions. Blocking my account over a potential fraud of {$10.00} is not using common sense. 2. You write Please contact the merchant to ensure they have the correct information on file. No. I will advise my wife to use another credit card in this doctor 's office. Why is n't Citicard staff performing followup with this merchant? 3. On XX/XX/XXXX I complained to CFPB. On XX/XX/XXXX you state you reviewed my account and the block was removed. Why did you not remove the block prior to my CFPB correspondence? My initial emails to Citicard were dated XX/XX/XXXX.  Apparently if I want timely results I should be contacting CFPB before I contact Citicard. 4. On the issue of the Citicard Secure Messaging Center I was able to send two emails, but the third was not accepted by your system. I think you have system problems, and your resources should be expended fixing these problems, rather than annoying customers by blocking accounts. 5. You state your Fraud Department is not able to use your Secure Messaging Center, and requires telephone contact with customers. Again this is a resource problem for Citicard. You have to design your systems properly to allow for internet and email verifications. If there are any future problems with my account I will be contacting CFPB directly because they have been more responsive and helpful to me than Citicard staff.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Account was not verified or  Consent was  not givin prior to reporting under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NC).
Issue: Trouble during payment process

Complaint: CitiMortgage gave me the run a round on the short sale on my home I had to do because of severe financial distress and job loss. They kept asking for the same paper work over and over acting as if they did n't get it. It caused a foreclosure of almost 7 years ago -- when a short sale would have worked. I have evidence as I used a short sale expert broker named XXXX XXXX and he can attest to the stonewalling and complete run around. <P/>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 01/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with We Collect Inc (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This was a business debt of our XXXX XXXX XXXX owed to ATLAS Financial ; the XXXX was dissolved is XX/XX/XXXX and my business partner took ownership of the debt ; in XX/XX/XXXX discharged the entire amount {$4600.00} in chapter XXXX bankruptcy. 
I was not contacted by collector ATLAS for over four years - even though my phone number never changed. I believed the debt was discharged in bankruptcy therefore did n't know debt still existed. 
In XXXX XXXX I learned through my credit report that {$5500.00} was on public record ; upon calling ATLAS the representative told me their record shows it was satisfied by bankruptcy and they would research why it appeared on my report. 
In the next conversation with a representative I was told I owed over {$7000.00} and it was due immediately. I questioned why and how it could be - since I had heard nothing from them for so many years and my contact info is same. The person replied " we did n't have the manpower to make those calls ''. 
Now that I 've contested the amount owed when it had been discharged ( I was named as co-debtor ) ATLAS has added the interest for the 4+years they never contacted me about the debt. 
If the original amount is due then they could have negotiated how I plan to pay, but within a week or two a garnishment was sent to my employer and the debt shows a total of {$9300.00} and says I have no rights to dispute it. 
It seems some investigation into collection practices, misrepresentations and interest charged while not actively attempting to collect the debt are highly suspect. Adding {$4600.00} interest after ATLAS had totally written me off ( until I called them ) is unreasonable and not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Other service problem

Complaint: The sales associates are not demonstrating knowledge towards Walmart practices, and are verbally expressing incorrect information. A representative on the phone stated that in order to receive electronic finances, Ex. Moneygram, alternative forms of identification includes passports, credit cards, etc. I had kindly expressed what is addressed via complaint at this time with the associates. However, they did not listen. In addition, another representative previously claimed that a particular practice was per their policy. However, the manager and another associate stated that she was incorrect. It is now to a point where the associates at their location are not knowledgeable towards subjects such as these. Consequently, a complaint is now filed. Their failure to comply had resulted to interference with my own schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: BLOOMINGDALES DEPARTMENT Has been reporting a late payment on my XXXX and XXXX credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.

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 10-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification due to financial hardship and was denied. I had to call to get the reasoning for the denial as their so called personal representative that is assigned to me never returns my calls or responds to emails or answers the phone. The rep on the phone stated I was denied because I was not yet two months late only two day s from being such. They offered to apply my behind payments to the next 6 months payments. But If I am not able to make the regular payments, what makes them think I can make this payment. I really wanted the payment lowered and the MI insurance taken off the loan so that I can afford the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (I do not know) with Midwest Recovery Systems (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received an alert from credit monitoring service stating I have a new account which is a negative entry of a collection account with Midwest Recovery Systems in the amount of {$660.00}. I never had an account with this company nor the original creditor or XXXX nor have I ever heard of them. I never received any written communication from either company in regards to this fraudulent debt and therefore is a violation of the fcra. This is is not my account and this fraudulent account has been placed on all 3 of my personal credit files illegally. By law I should have been sent a letter from this collection agency giving me 30 days to validate this debt, however I was violated of that right. I have sent a letter to this company requesting validation. This company is conducting illegal practices. I did n't have any collection accounts on my credit files until now because I pay my bills on time all the time. I 'm in the process of closing on a home loan and because of this blemish on my credit reports my score has went down dramatically due to incorrect and fraudulent information from this Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted information to all 3 bureaus about bankruptcys on my report and XXXX  and XXXX have not followed suit abd equifax removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also equifax has continued to update and XXXX accounts that were closed! Like XXXX XXXX which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have charges from bank of America that was fraud and they do n't want to resolve it

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 01-02-2018 about Debt collection (Payday loan debt) with SECURITY FINANCE CORP (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX has called me at work multiple times. Each time I have asked them not to call me at work, as my employer is not allowing this type of communication. I have told them to file against me in court, however, they state that they will not and continue to call my work.

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 07/23/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Account opening, closing, or management

Complaint: I fell victim to the housing crisis like many around 2008. At the time I was lost my job while simultaneously going through a divorce. I was forced to file bankruptcy. One of the debts discharged in my bankruptcy was a installment loan for a car that was stolen and later recovered. That installment loan was with my bank Navy Federal Credit Union. Once I filed and was discharged the bank cut off online communication. My accounts remain with a positive balance however my access is restricted as a penalty. I was told by the bank that the only way to restore my normal access was to repay the lost of the debt. The bank recovered the vehicle after the bankruptcy and sold the vehicle however, they are stating that not only will be required to pay the debt to gain the access that I previous had but I have to pay the full amount discharged and that the profits from the sale would not be credited. I have read the disclosures I was able to find from when I opened the account and there is no mention of limited or restricted access for discharged debts. Not only is my access restricted but another account for which I am only the secondary authorized user on is also restricted. From my understanding a creditor can not take action for a debt after the debt has been discharge in XXXX Bankruptcy Court. I find this practice discriminatory and a way to force consumers to pay a debt that has been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifaxed leaked my data due to their negligence, and I have to pay {$30.00} to freeze my credit to protect myself from their mistakes. I will have to pay again to unfreeze. Equifax needs to be liable for all individual 's whose data was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I was appointed the financial POA for my Uncle, XXXX XXXX. In XXXX XXXX he entered assisted living. In XX/XX/XXXX, I notified Wells Fargo Home Mortgage he could no longer make mortgage payments, and I put the house up for sale. The office of the President of Wells Fargo Home Mortgage, XXXX XXXX ( XXXX ) contacted me and I discussed the situation. I contacted him back in XX/XX/XXXX letting XXXX know that the house was under contract. I closed on the home XXXX XXXX, XXXX. I have been requesting since that time the small portion of {$200.00} that my uncle had left in escrow. I have called and emailed XXXX and Wells Fargo Home Financial numerous times. All I am doing is trying to help my XXXX Vet Uncle get the funds to help with his medical bills. Please help me! 
Sincerely, 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 non-monetary relief
Consumer complaint received 09-07-2015 about Debt collection (Medical) with Revenue Recovery Corporation (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: this is a XXXX claim. i never received any information regarding this XXXX or the collection agency Revenue XXXX. This procedure was done last year and XXXX has full knowledge and documentation that this was in fact XXXX comp. I want this removed from all XXXX reporting agencies immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all partiesXXXX. Pinnacle is not the original creditor. 
XXXX. Pinnacle is reporting as an original creditor on more than XXXX of the credit bureaus ( FCRA Violation ) XXXX. As they are reporting to all XXXX bureaus, this debt will continue reporting until XXXX XXXX. XXXX, Texas statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX v XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) XXXX. A debt buyer hired by Pinnacle XXXX XXXX and XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
XXXX. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
XXXX. Received a letter stating XXXX and XXXX was closing the case and information submitted back to Pinnacle. 
XXXX. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
XXXX. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection under my name is reflecting my credit report bureua, impacting my report negatively. 
I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case. 
They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine. 
I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me. 
The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me. 
This collection is really affecting my chances to buy a property, and i will appreciate your help.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 've spoken with Transunion by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     C redit Inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , DE  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT   XXXX     XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA   XXXX     XXXX   XXXX   XXXX   XXXX    Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry Date :   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