milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is being reported as it current status is collection/chargeoff and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX XXXX several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan in XX/XX/XXXX, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. I should have XXXX account ( with XXXX ) that shows that I have paid on this since XX/XX/XXXX and is current and paid as agreed status. The way these are currently being reported is that I have XXXX accounts that I stopped paying on in XX/XX/XXXX, which is not true and is painting an unfair picture. Please delete these accounts 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 01/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 a Chase Quick Pay was created from my husband 's, XXXX XXXX XXXX, Chase Account # XXXX for {$550.00} to go to my personal account to XXXX XXXX, Chase Account # XXXX. When I never received notice that money was transferred, and I never received it in my account, I investigated. I was told that on XXXX/XXXX/2015 it was transferred via XXXX account to XXXX XXXX, account ending in XXXX, with my email address XXXXXXXXXXXX. I did n't know anything about a XXXX account and I do not have any account ending in XXXX. I have exhausted all my efforts to retrieve this money. Chase says it has transferred and can not be refunded. XXXX XXXX said it was never received and that it is an issue with Chase. My husband is a XXXX veteran and we can not afford to have {$550.00} vanish from our accounts. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have XXXX, now Navient loans from when I was an XXXX from XXXX. I graduated with about 30,000 in student loan debt. Today, that number is over {$55000.00}. The loans were doubled under Navient 's insane interest. My payments began at XXXX a month, today they are over {$600.00} because they continue to jack up interest rates even though my credit has improved since they were issued. I can not make these payments. I called and was told they would be happy to lower my payments to {$400.00} if I agreed to extend my loans to 25 years!!! However, they could whenever they wanted jack up my already high interest rates ( 6-14 % ) on these loans all over again. How is this legal???? The only way they can make my payments that I have always made, affordable again, is to enslave myself further to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (IN).
Issue: Wrong amount charged or received

Complaint: Completed an international wire transfer to XXXX on XXXX/XXXX/2017 in the amount of C {$55000.00}. The amount sent in USD was {$43000.00}. Giving an exchange of rate of 1.292599. Historical data shows an exchange rate of 1.3249 on XXXX/XXXX/2017. There were no disclosures given to me our my company at the time of the exchange.

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 12/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: This is an issue with Santander Consumer ( auto lender ) who is constantly reporting a negative balance of XXXX that has been charged off. I 've paid the full principle balance of the loan. There was a dispute concerning late fee, but Santander never provided any documentation justifying any fee 's

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is updating an account on my credit profile every month on an amount that is not owed to them. They are saying that I have a balance of $ 7000+ when I do not owe this company anything. I never received a notice of deficiency from the sale of a car that was repossessed. No notices was sent to me regarding this information. I have request proof of these notices and this company will not comply. This balance should not be reported to the credit bureaus. They also go into the account and report it every month to the credit bureaus so that it appears as a new account. They have very unfair practices.

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 11/29/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A XXXX credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called XXXX and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/XXXX which is 7 years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong XXXX has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over XXXX years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with Equifax and they came back and said XXXX did not agree to remove. I have called XXXX probably a dozen times over the past XXXX years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My sons attend college in another city and their mother and I pay their rent by making deposits into their checking account, which they then use to pay their rent. Their bank is Wells Fargo, and the last time I went to deposit a personal check into their account the Teller informed me that I needed to have my son endorse the back of the check. It 's only been one Wells Fargo location that has this endorsement requirement. Through persistence, the Teller agreed to deposit my personal check into my son 's checking account. I called that location to validate and clarify for future reference and they informed me that Wells Fargo is now requiring the back of the check be endorsed by my son. The amount of the check is {$700.00} and is drawn on a local bank. This method has worked well for the past 2 1/2 years. I can search for alternate means of depositing money into their account, but my depositing a personal check into their account has many advantages for me. My questions are what prompted this change or tightening of endorsement requirements and does this violate any banking regulations?

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 12/20/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: I contacted Quicken Loans for refinancing my mortgage and rolling in a HELOC. I informed them that I had foreclosures in my credit history and they told me that because the properties that were the subject of the foreclosures were not dwellings ( they were undeveloped lots ) Quicken did n't consider them to be foreclosures. While I did not understand why they said this it was obviously beneficial to me so I was pleased. I submitted an application for a conventional mortgage. At some point during the process I was informed that because of the foreclosures I would no longer qualify for a conventional mortgage. I had to change my application to FHA which calls for PMI. At closing I paid approximately {$3400.00} for PMI and am now paying approximately {$130.00} per month for PMI. Over the life of the mortgage, 30 years, this will cost me approximately {$51000.00}. There are many emails between Quicken reps and me that substantiate my claim. I also wrote a letter to XXXX XXXX, President and CEO of Quicken, but that only produced a phone call from XXXX of their reps explaining that they would n't do anything this issue. Quicken has never denied my version of this incident. They offered me a {$500.00} discount on closing costs of a refinance in 4 years if I want to refinance my current FHA mortgage for a conventional. This is a joke. I have much more detail on this matter available, including the letter I sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Other debt) with ERC (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX- I mailed letters to XXXX XXXX requesting debt validation. Each time I was sent a copy of a bill from XXXX. I requested proof that i was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/XXXX and XX/XX/XXXX, that this was not a request for verification but a request for validation. 

I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or deliquency -verification that debt was assigned or sold to the collector XXXX XXXX has failed on 3 different occasions to provide me with this information. 

Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove thaey have the legal right to collect this 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 06-06-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In  XXXX  there was a  XXXX  credit card opened in my name, when I found out about the credit card I took immediate action. I contacted  XXXX  to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XXXX  and in  XXXX  I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XXXX  the debt was sold to Calvary Portfolio Services and when I learned about this, I contacted  XXXX  to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus,  XXXX  always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit card () with DISCOVER BANK (MI).
Issue: APR or interest rate

Complaint: I have been a Discover Cardholder since XXXX. I have used this card for both purchases and cash advances. There are 4 types of balances listed on my bill - Purchases after XX/XX/XXXX with a rate of XXXX, purchases made between XX/XX/XXXX and XX/XX/XXXX at a rate of XXXX, purchases prior to XX/XX/XXXX at XXXX, and cash advances at XXXX. I have been making minimum payments on thecard for several years, and I recently took a closer look at the payment breakdown because it seemed that the balance was just not dropping. What I found was a bit disturbing. I only have my XXXX most recent statements, but I am trying to get online access to more. On my XXXX statement, I had a total interest charge of {$180.00}, which was paid from the payment I made of {$210.00} and dropped my outstanding balance by {$27.00}. All of that seemed correct. The problem arose when I reviewed the interest charge calculation portion of the bill and realized that the interest was not being paid by my minimum payment as I had thought. The interest was being added to the outstanding balance of my higher rate balance types, causing that balance to go up, which will result in a higher balance subject to the higher interest rate with no additional purchases or advances done by me. Below is the information : Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$32.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4200.00} - interest charged {$59.00} Cash Advance - APR XXXX - balance {$4100.00} - interest charged {$85.00} Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$31.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4300.00} - interest charged {$62.00} Cash Advance - APR XXXX - balance {$4000.00} - interest charged {$83.00} Instead of applying my minimum payment to interest charged, it was applied to pay the lowest rate balance and my balance subject to the XXXX and XXXX interest increased by {$120.00}. This does not seem like a legitimate practice for applying payments. My balances are increasing, but I have made no additional purchases or advances and have received no penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am in fear of losing my home. Wells Fargo has dragged me out in trying to to get assistance for now my primary resident home. In XXXX, the home was vacant, and unable to rent and dealing with squatters. My daughter and her sons moved in to help me save the home. Wells declined my request for a more more reasonable payments and instead we paid an additional {$600.00} a month to get the loan current. After the 6 months, payment was increased again. 
We managed to keep making the payment but it was difficult. My daughters work filed BK and she lost her job. XXXX XXXX, I did the ALL the necessary paper work for XXXX and again Wells denied my request. My daughter obtained new employment but with less pay. XXXX XXXX, I moved in with my daughter and reached out to XXXX to help us. Again did the XXXX and at this time we 're finding impossible with the lower income and child care. We are unable to make payments that are now {$600.00} more than when family decided to move into this home. Children are locked into schools and activities here, we do n't want to lose our home or have to relocate. 
What frustrated us more is the fact Wells has dragged their decision on for so long that by time they decided we will not be able to catch up as in the past. I was told they would have a decision by XXXX then XXXX. I made a joke to XXXX saying do you think by the XXXX then XXXX NOW maybe XXXX. Our lives have been in turmoil not knowing what direction we are going. My family has had enough upset, we do n't need anymore. I feel that because my daughter and I are XXXX single woman with XXXX children that we are not getting help. I was told by XXXX lender it helps to have a mans income to qualify. I am hoping this is n't true. 
We can afford this house, there is no reason why Wells Fargo can not help us. Wells Fargo has been have been very difficult to work with. We have been trying to get a resolution since early XXXX. We would greatly appreciate your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with Darnel Quick Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've sent debt validation requests via USPS certified return receipt and these people do n't understand that this is not mine. They refuse to cease collection activity and remove then report it back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Had a lot of fraudulent charges on my capi tal one car d. They reversed the charges cancelled the card and issued me a ne w one  XXXX  separ ate times. Everytime within a month there are new fraudulent charges. They tell me the vendor can call them to get the new card number and they give it to them without any proof of said debt. They can not block the vendor nor can they contact the vendor to dispute charges or stop charges. So in short  XXXX  controls  capital one and they ca n't stop them. The supervisor even told me that they can not secure my credit information and my financial information with them is not secure. Why is this allowed or even legal that credit card companies can provide online vendors peoples credit info without any form of proof and are unable to  stop a vendor from placing fraudulent charges on peoples credit cards.

Company response to consumer: Closed with explanation