milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A collection account by the name of XXXX address XXXX XXXX, MD XXXX is listed on my account as opened and is a collection account that I have unknown knowledge about. I would like documentation of the account because I never dealt with a company by that name.

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 02/26/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Bloomingdale 's card - I purchased items from Bloomingdale 's online site using my bloomingdale 's card. On XX/XX/XXXX I returned the items ( they were properly received in time ), and called them to confirm receipt. During the call, they asked whether I wanted to receive gift cards or have the credit card account credited. I specifically mentioned that I did not want gift cards, and wanted the credit card account credited. Instead, they sent gift cards. I have been on no less than 7 calls with them since to get this resolved, and each time I have been told it has been resolved ( ie, the gift card cancelled and credit card account credited ). However, after each call I have continued to receive calls from Bloomingdales stating " this is an attempt to collect a debt ''. Now Bloomingdales has notified the credit reporting agencies that my account is delinquent, right as I am in the process of applying for a mortgage. I have spend no less than 10 hours on the phone with Bloomingdales to date trying to resolve what should be a simple issue. 

In addition, I have told Bloomingdales twice that I wish to register a formal complaint, but no one has taken my complaint. Therefore, I am requesting the CFPB to get involved - I need help! Most importantly, I need this removed from my credit report ASAP, so that I can continue my mortgage application process. 

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 monetary relief
Consumer complaint received 05/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am writing to dispute the reporting of a > 60 day late payment to credit bureau  XXXX  for my unsubsidized loan, sequence  XXXX , disbursement date  XXXX / XXXX / XXXX . This unsubsidized loan was paid in full  XXXX ,  XXXX .     I spoke with  two   AES repr esentatives and a   XXXX   representative regarding a > 60 day late payment reported to  XXXX  in  XXXX  of  XXXX . After a detailed review of the accounts, the following was determined : In a phone conversation on  XXXX   XXXX ,  XXXX  with  XXXX  representative  XXXX , she stated  XXXX  records sho w AES  reported a > 60 day late payment in  XXXX ,  XXXX  but did not specify a specific payment that was late. My credit report requested in  XXXX ,  XXXX  also indicates a > 60 day late payment in  XXXX ,  XXXX . Additionally, a review of my credit report requested on  XXXX   XXXX ,  XXXX , does not indicate any late payments on my  AES ac counts in  XXXX .   However, in a phone conversation in  XXXX ,  XXXX  with  AES re presentative  XXXX   ( ID  #  XXXX   XXXX ,  AES rec ords indicate a > 60 day late payment in  XXXX ,  XXXX . No notice was provided to me in  XXXX  or  XXXX ,  XXXX  that I was late on a payment.   I applied for automatic payments using direct debit in  XXXX ,  XXXX  and was approved for automatic payments through direct debiting on  XXXX   XXXX ,  XXXX .   Automatic payments began on  XXXX   XXXX ,  XXXX  to  two loans, s equence  XXXX   (   Unsubsidized )  and  XXXX   ( Subsidized ).    According t o AES repr esentative  XXXX   (  ID #  XXXX   ), AES recor ds indicate their automatic payment system did not apply the correct amount to loan sequence  XXXX  in  XXXX  and  XXXX ,  XXXX . These payments should have paid off loan sequence  XXXX  in full but they did not. As a result of the error in AESs automatic payment system, AES recorded a delinquent payment. However, the erroneous late payment was not reported to   XXXX   until  XXXX  of  XXXX .     As shown in the payment history and acknowledged by  XXXX  a n AES repres entative, the automatic payments for  XXXX  and  XXXX ,  XXXX  were not applied properly at no fault of myself.  XXXX  was to note the system error in the database and forward to the credit review team for correction. I followed up on  XXXX   XXXX ,  XXXX  with  XXXX   (  ID #  XXXX  ) who acknowledged the notes had been made but no further action had yet been taken to correct the error.     Complicating review of the circumstances was the timing of the > 60 day late payment report, which came many years after the alleged late payment. This has made a review of the circumstances extremely complicated and onerous on me as the consumer and further calls into question the accuracy of a late payment.     I am in the process of trying to secure financing for a home mortgage and the delinquent payment has impacted my credit rating and increased the cost of my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX, 2015, Macy 's notified me and my wife that our combined Macy's-American Express card ( which is actually XXXX accounts on XXXX card ) had been used to purchase {$3000.00} worth of computers at a computer store XXXX ( using the XXXX account ), and {$3000.00} worth of perfume at a Macy 's XXXX ( using the Macy 's account ). We know nothing about these purchases ; our cards have been in our possession at all times, and we have n't been to the computer store XXXX or anywhere XXXX in a long time. 

We contacted XXXX about the computer purchases, and the problem was fixed very promptly. 

Not so with Macy 's. Macy 's has given us the run around for several months. Each call takes an hour or so ; each time, the person we speak to does not have the power to fix things, but they tell us that they will be talking to people who do. We asked several times for a fraud report to file with the company, not getting XXXX for a couple of months. When we finally got it, we filed it, and nothing happened. We are now mailed new, blank fraud reports to file from time-to-time. 
I also filed a report with customer service on Macy 's website. Almost two months later, someone contacted me, telling me that they could n't actually do anything, but that they would monitor my situation, and that I should again file the fraud report that I had already filed, which I did. I finally got someone who called me back and gave me a name, badge number and telephone extension. Unfortunately, his phone number is a general purpose credit number that puts you on hold for extended periods ( I am on hold for 44 minutes as I write this ). About 10 days ago, he left a message to say that we would be getting a letter telling us that our problem had been fixed. 
We did n't get such a letter. Instead, we got a letter from Macy 's telling us to make a minimum payment for an account that has a number that I do n't recognize. As we have n't spent any money in Macy 's or used our Macy 's credit account in months, there could n't be any minimum payment due from us, even if this WAS an account of ours, which it is n't. ( In fact, Macy 's owes us money because we made minimum payments on the amount that we did n't owe, just to avoid any kind of collection effort from these incompetents. ) This has proven a complete nightmare.

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 monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (NY).
Issue: Lost or stolen money order

Complaint: I use Western Union money orders to pay my rent. Several months ago, my landlord took me to court saying I owed him rent and I traced the money orders. When I got the copies back, I saw that they had been altered ( the name they were made out to and the signatory had both been changed ). I notified Western Union and they forwarded requests to the banks that cashed them to credit the money back to me. These were obvious forgeries. Information on the money orders was missing, probably because they had been bleached. The bank should have known looking at them they it should not cash them.

Western Union notified me that it will not order the affidavit of forgery because the money order is more than a year old. But I had no way of knowing that the money order had been stolen and cashed before the landlord sued me and gave me a rent breakdown. Even in the court papers, the landlord listed the wrong months as being owed. I do not think the time period for claiming fraud starts running until you learn about the fraud. I contacted Western Union less than a year after I found out the money orders had been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender, Carrington Mortgage Services ( CMS ), has improperly reported to credit reporting agencies that my account is in forbearance, which is absolutely false. I have made every payment in full, and on time, and I have never requested a forbearance. The forbearance prevents me from refinancing my mortgage with another lender. When I informed CMS, they stated that this was an error, and they would correct it, but they refused to provide me with any documentation stating this was reported in error to the credit bureaus. They stated it would take at least 30 days for something in writing to be provided to me, thus preventing me from refinancing my home and saving approx $ 300-400/month. 
Additionally, CMS customer service informed me that there were many other customers with the same problem. It then occurs to me that this is a financial tactic by CMS to prevent customers from refinancing their homes. In my case, I purchased a very underpriced home, with CMS as my lender, with a no closing cost product. Now 6 months later, Federal lending guidelines permit me to refinance, and it is very advantageous for me to do so. I would eliminate PMI, and interest rates are easily 1.5 % lower now, than my initial rate. CMS would lose money on this deal, and it is my assertion, that they are deliberately reporting false information to the credit agencies in order to prevent me from refinancing, so they will not lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!! 

I need this call escalated to a higher level i need a fix to my problems i need a supervisor to address this issues

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 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: I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet Experian and XXXX XXXX are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet XXXX XXXX is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.

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 02-05-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Trouble during payment process

Complaint: I currently have a mortgage with Wells Fargo. The mortgage is currently 9 years old. I phoned the company and asked them to remove PMI due to time paying into the mortgage. They said I have to pay until XX/XX/2019. XXXX note with XXXX owed. 
Perfect payment history. Loan was absorbed from 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 12/21/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I went bankrupt because I lost two jobs that sustained my family. and they discharged me from bankruptcy. I had informed the company that I could not continue with them, but they did not want to stop the process. 
{$150.00} for RA renewal 1 year

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft. My social security number was originally mixed up with another woman 's because they differ by XXXX number and we have similar names. I have spent XXXX on investigations and removals of other items off my credit report that have been removed. However, its not enough. I cant ever get a decent deal on a car, get a credit card or apply for a home loan because of this. This is my last resort, i have done everything I can to solve it with the credit reporting bureaus and its still the same. I would someone to investigate the mix up. Because my identify was stolen by this person after one of the credit bureaus had first reported some of her credit items on my credit report. That was how she got a hold of my personal information in the first place. After that she took advantage and kept using my name to have creditors grant her credit under my name. I was able to delete most of those items from my credit report. However, the items I can not remove are the ones that are incorrectly reported on my credit report but are under her name and social security number. That is the reason why I can not get them removed. I need to know if there is something I can do. Thank you in advance.

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 07/24/2017 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: After receiving a monthly statement from AAFES, I requested a total in an attempt to validate the debt. The reason for this was prior I showed a balance of {$500.00} according to my records. However, AAFES bill showed a balance of {$1800.00}. During the dispute my account was sent to collections and made the process extremely much more difficult than necessary. I made several attempts to discuss the bill prior to the account being sent to collections. As a long time customer and one that never has disputed even one charge, I feel that this is unacceptable. I simply was requesting an itemized statement to reflected the amount of the alleged {$1800.00}. So far in return all I have received is terrible customer service from rude representatives that is unjust. Finally, the statements AAFES did manage to send had the incorrect account number on them. Which is why I was under the assumption that those statements were inaccurate in the first place.

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 08-03-2015 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After speaking with an agent and telling them when I could make a payment, I received XXXX calls a day starting from XXXX to XXXX every day since the call. When they call and I pick up, there is no one on the other end and it hangs up. I understand if I paid my bill on time I would not have this problem but I have been in XXXX accidents and have had my identity stolen and am trying. I feel this practice MUST stop because it affects everyone in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a single mother struggling finically. I graduated back in 2010 and have a total balance due of XXXX. I called Navient so they can try to assist me with a rate reduction plan, and according to my representative I did n't qualify because I was enrolled in that program prior. They reviewed my bank statements and clearly saw money was an issue. Instead XXXX trusty from Navient belittled me and said I need to learn how to budget. A single mother trying to feed her child, pay for my child 's needs, food, rent, transportation, etc, should not be told how to manage their finances when there barely getting by. She had no right to talk to me in that way which has emotionally taken a toll on me. I was trying to make a payment and she denied what I was trying to offer and threatened me saying my loans will be in default and I would need to go to court and pay the XXXX up front. She has been so unhelpful and I hope no one has to encounter what I am going through.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My property at XXXX XXXX XXXX XXXX, XXXX, Tn XXXX was vandalized back in XXXX, I filed an insurance claim with XXXX XXXX. XXXX sent the insurance check to XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX. I was also in the process of doing a loan modification on the house because my brother moved out and I could not pay the mortgage for that property and also the property where I reside currently. Needless to say, XXXX XXXX XXXX never gave me the check for the repairs. Soon after, they sold the mortgage to Select Portfolio. I tried to sale the property and when I got a contract, codes ended up demolishing the property before my closing date. Now, there is no property ... but I still get mortgage payment requests, calls from SPS, my credit over the years has been destroyed and now I have a lien against the lot for the demolition! I do not know what to do at this point! The mortgage company will not foreclose, they will not allow me to surrender keys, I can not file a chapter XXXX at this time either. I am seeking guidance on what direction to take to file suit against the parties that caused this adverse affect on my life. SPS were made aware of the demolition at lease 90 days prior to it happening and they were also aware of the insurance money being held for repairs! I tried for years to get the money with no success so that I could make repairs and put a renter in there to start paying the mortgage! XXXX I told them I would be seeking counsel, they sent me forms informing me that I should get a quote from a contractor for repairs in an amount close to {$9000.00}. This was after the property was demolished. Please help me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an inaccurate item on my TransUnion credit report and requested that they do an investigation on the account. A few weeks later, I was informed by Transunion that the account was verified as correct so I contacted the alleged creditor ( XXXX ) myself. I spoke with a representative at XXXX and was told that I was no longer responsible for the debt, which was discharged via XXXX filing. I immediately contacted Transunion and requested the name of the representative at XXXX that they contacted and any documentation that XXXX provided to verify that I owed them a debt. TransUnion sent me a letter in response claiming that their investigation on the issue was complete while failing to provide any proof that they conducted any investigation at all! I have contacted TransUnion on many occasions by telephone asking what method is being used to continually verify this inaccurate information. Several representatives from TransUnion have told me that the way they conduct an investigation is by way of an electronic code sent to the alleged creditor, which is most likely the XXXX method. This is absurd.

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