milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XX/XX/XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, Equifax, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XX/XX/XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Equifax on behalf of this matter of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with TD BANK US HOLDING COMPANY (RI).
Issue: Credit card protection / Debt protection

Complaint: XXXX I am getting billed for a credit card I did n't apply for or ever get.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am asking for help with a financial hardship situation. I am a senior citizen, have no retirement savings, I am on medicare. I am on social security, and do self employment projects. ( more personal information sent as attachment ) I purchased the house in XXXX for {$180000.00} with XXXX mortgage and then in XXXX I refinanced with new century mortgage. There was a " bait and switch " scam in that the mortgage broker told me there would be " no points or closing costs " only to reveal at the last moment, {$16000.00} in closing costs. I had no choice but to roll that amount into the new loan of about XXXX. 

XXXX XXXX went bankrupt. XXXX XXXX XXXX have done a fraudulent sale of the servicing rights to GMAC. ( xxxxxxxxx, a foreclosure consultant at a non-profit said there was a fraudulent signature and documents at that point - also a " robo signature " on the document. See the government settlement with GMAC ) GMAC went bankrupt as well. 

I made payments to the various companies of about {$200000.00} in total since the home was purchased in XXXX. In XXXX the house went into foreclosure but that foreclosure did not happen. I have not made any payments to OCWEN since they " took over " the debt. There was a financial hardship in that I was diagnosed with XXXX in XXXX ( successfully treated ) and my employer wend bankrupt in XXXX. 

Apparently XXXX Bank was involved in a trust to bundle many " debts '' and their name was used to help OCWEN get the servicing rights to the debt. There is no clear chain of title. 

Ocwen has been paying insurance and property taxes. 

The house is in very bad shape. It has mold, bad plumbing, heat is a problem and there are structural problems. OCWEN 's property management company broke into the house on several occasions and damaged the door, windows, stole property, I believe, and moved the contents of each room to the center of the room. I called the police and notified them of the last break in. 

Apparently the value of the house is currently about XXXX. The land is worth XXXX and the house perhaps {$50.00} k. 

Because of the above I sent a " rescind letter '' to OCWEN. They did not respond in time but did respond saying they would not negotiate with me. 

I understand the debt could be rescinded but if not perhaps I could settle with OCWEN for the funds they spent so far, property taxes, insurance and the fee they paid for the servicing rights. I do not know what that total would be. 

Please let me know if the CFPB can help settle the situation. I need to sell the house, pay OCWEN for any out of pocket money and get some of my investment back from the sale of the property to help pay for new housing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because XXXX XXXX/HSBC is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for bankruptcy in 2014 I started off at a chapter XXXX, ended up doing a XXXX ( attorney suggested ) while in chapter XXXX now I had n't paid mortgagebecause it started as XXXX so was behind. While in XXXX I asked for modification from lender in XXXX 2014, as soon as decided to do a XXXX. In XXXX of 2014 my chapter XXXX was dismissed. But in modification process. Received foreclosure papers in XXXX while in modification. Received sheriff sale notice not long after. Still have not received decision on modification. They r still asking for documents to be sent by XXXX XXXX when my sheriff sale is XXXX XXXX. Very confused and stressed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XX/XX/XXXX, I received a bill from Macy 's for over {$700.00}. I reported that I had not made these charges. Macy 's closed the account, informed me they would investigate the fraud, and issued me a new credit card. Within XXXX weeks, additional fraudulent charges were made to this new card, in excess of {$1000.00}. I reported this as fraud to Macy 's and told them to eliminate my information from their databases and NOT SEND ME any additional cards. Macy 's promised to investigate both incidents of fraud. I sent as you will see from the attached documents everything they requested, reported each of the fraudulent incidents to the local police. In spite of these fraud investigations, Macy 's had their collections departments calling me and on XX/XX/2016, reported me as XXXX days late to XXXX. XXXX refused to remove the incorrect 30 day late report for Macy 's had told them it was legitimate even though it was not. I am at a loss as to how to get Macy 's to remove the negative credit report which they should have already done. I therefore am requesting your intervention.

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 05-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: Citibank ran a promotion XXXX promising XXXX XXXX XXXX points to consumers who signed up for a new Citigold bank account and followed certain steps including making bill payments and minimum purchases via debit card. The promotional code for this offer was widely available on the internet ( example link : XXXX ). I called their phone number, provided the code, and was told that I qualified for the promotional offer so I opened a bank account. I met the other requirements ( minimum spend and bill pay ) as required and proceeded to wait. After several months I inquired about my points and was told I needed to wait until 90 days after a certain date. Recently, I inquired again and was told by online chat and phone service that I qualified and would get my XXXX points. But secure messages then contradicted this. I have called multiple times and in spite of initial assurances that I qualify for the promotion and the points, supervisors later step in to say that I do not qualify because I was not properly " targeted '' for the offer ( widely available online ). I have given Citi my business and fulfilled their requirements. I want them to honor their end of the deal and give me the promotional bonus I was promised.

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 06/28/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is originally from  XXXX   XXXX  and it was opened i n  XX/XX/XXXX  it w  as then closed and transferred to Midland Credit Management in  XX/XX/XXXX . The  amount being reported across my credit report is fro m Midland Funding and Midland Credit Management is   $  XXXX  {$880.00}. I have tried several times to reach out  to Midland Credit Management in regards to this debt in requesting for proper VALIDATION of this debt, as I know that I DID NOT open a credit card account wit h  XXXX   XXXX . I have only received copies of statements for this debt but nothing has been sent to me with my signature authorizing this account . Midland has since been reporting under both names Midland Funding and Midland Credit Management across my c redit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Credit determination

Complaint: To Whom It may concern : I am filling a complaint against Target Credit Card online application process. They said I incorrectly answered questions during the online process to prove my identity, so they were unable to give me credit. If the Target was unable to determine my identity during the application process, than Target should have never run my credit in the first place. The online software system should automatically reject my application, and Target should not automatically run my credit. These personal questions from the past are the same questions the XXXX credit bureau will ask when you apply for the free annual credit report. On all three bureau website, if you are unable to answer questions to identify yourself, the system automatically ask the person to contact customer service and the applicant is unable to continue the process. This flaw in the Target online application process will hurt many consumer credit rating just by automatically pulling credit regardless if they were identified or unable to indentify the person applying for credit. Identity fraud is on the rise, so it is very important a company does not automatically pull a credit inquiry on the individual it was unable to identify. This was very upsetting that they pulled my credit when they said they were unable to identify me during the online process.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit determination

Complaint: Applied for a Macy 's account in store. The representative assisted me with applying for there Macy 's XXXX. Got a receipt showing that it was approved for {$600.00}. 

When I called in to discuss the credit line ( which was substantially lower than any other card I have ) I was actually only approved for the store card, and someone can not get approved for a Macy 's amex before they open the Macy 's store card and that my application was not submitted for the Amex. They did offer to apply for the Amex over the phone, but that it would be a separate account. 

I feel like this is deceptive marketing tactic. One should not be required to open a store card in order to get a co-branded card. I also feel as its deceptive to print out at the register a receipt that says you approved for something you applied for when its a different product with out informing the customer or it reflecting on the receipt that a different product was opened than what was originally applied for. 

I also do not like the fact that the credit line can not be re-assessed by anyone manually. I was told it 's all done systemically, and based on debt to income ratio 's. my next lowest credit line is {$4500.00}, {$600.00} is just simply to low of a credit line for me to carry in my wallet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been working diligently to repair my own credit. My credit score was XXXX XXXX weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping everyday for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All three credit bureaus are reporting my score inaccurately. My utilization is 27 % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX which I was told that Transunion owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.

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 03-09-2017 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Shopping for a loan or lease

Complaint: I applied for an auto loan through Bank of America online 7 days ago. I have already chosen another loan offer, but I keep getting automated phone calls to my work and cell phone from Bank of America, asking me to call them about my loan, I repeatedly have told them I no longer need this and to stop calling, yet I am getting multiple calls a day still. The agent I last spoke with said he would remove my loan, but the calls could continue for awhile. I asked to remove my numbers, and he said he wasnt sure he could. This is harrassement at my workplace and my cell phone. Yes consent to call me back, but not to harass me over and over.

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 02-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX offered me a pay and delete offer in 2013, in which I accepted and paid {$93.00} in XXXX 2013. XXXX cashed the check on XXXX/XXXX/2013 and as agreed in the settlement offer, they should have updated my account information with all three credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am among the unlucky people whose information was released in the Equifax data breach. In obtaining my credit reports, I saw that Equifax listed two wrong previous addresses for me - including one in suburban XXXX that was linked to fraudulent charges on my credit card. 
I filed a complaint about the incorrect addresses. 
Somebody -maybe real Equifax maybe phony - sent me a form asking me essentially to repeat that complaint in writing or online. 
The site I was sent to was : XXXX There apparently is no such site. XXXX dubbed it suspicious. 
So I went to the equifax site and found the connection for filing a complaint. 
The site asked for my COMPLETE social security number - the very one they gave hackers - but said I could hide all but the last 6 digits. Despite my choosing that option, they displayed the whole number. 
I tried to remove it but could n't. 
I filed my challenges as directed - one incorrect address, one clearly fraudulent one. 
Then, the site asked me to send a copy of my Social Security number, drivers license or utility bill. 
This is outrageous demand from a company that has ruined my and many others ' financial lives. 
I tried to cancel everything, but the site snatched it away. 
Equifax is not only a stupid company, it 's a ruthless one. 
Please stop these creeps - who incidentally are still hawking their useless security service at every turn - from further damaging innocent people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$1300.00} ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$410.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX +  {$100.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$54.00} Needs Attention Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Got call from quicken loans stating that they could redo my current loan on a condo I own which they currently service the loan. They tried to charge me an amount of XXXX in closing cost on a XXXX loan. I told them I had no interest in that loan but would like to check on a getting qualified for a loan for I was planning to sell my existing house which I owe XXXX and has value of XXXX. I also have three other houses with only loan on one which is with quicken loans. I asked quicken to see what I would qualify for on a new house. I gave no value for the new house. They pull credit with two scores over XXXX and one in the XXXX 's. I also supplied an account with over XXXX as well as tax returns. I was told my income was zero and I qualified for no loan. They did not bother to look at the returns to see what my income was. I was told I " have a lot going on ''. I feel they did not want to take the time to review my application. They accused me of fixing my W2 's and said that income could not be counted. My accountant called to confirm that it was correct. I easily got loan from XXXX bank with same information with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was pushed into deferment, but when i started paying back they said I was late. My payments ( multiple separate loans they say ca n't be consolidated ) went up by hundreds of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Medical) with Columbia Collection Service, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just got call from Columbia services / they did not disclose reason and any right to dispute and were asking sensitive personal information without disclosing themselves

Company response to consumer: Closed with explanation