milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My personal credit profile was compromised around XXXX XXXX, 2016. Someone had stolen my personal information and opened up multiple accounts without my knowledge. This was reported in to XXXX, XXXX and XXXX XX/XX/XXXX and freezes placed on my credit profile. All unauthorized credit cards were closed down and I was not held responsible for any charges except XXXX. XX/XX/XXXX, individuals went into multiple Macy 's in California and were able to charge a large sum of goods on my existing Macys charge account. I did not authorize this and these Macy stores were some distance from my house. When I received XX/XX/XXXX 's bill, I learned of these Fraudulent charges and reported it to Macy along with a police report and Macy required their own form that I filled out which i did to show all the charge which were not mine. It has been over 3 months and Macy continues to do nothing except try to collect on the debt and report me late to the credit bureaus. I have always had perfect credit and can easily prove it through out the years. Now that I am being reported as 90 days late plus owing over {$5000.00}, other creditor are starting to lower my credit limit. For the last 10 days, Macys has been calling me. When I answer no one is there. Today I had a representative from Citi-Macy call my home and my husband waited XXXX seconds before the auto dial switch over to the Macys phone rep who was in the XXXX. He demanded payment from my husband who is not listed on the account. The call was recorded by Macys and my husband also recorded the call. My husband explained that the account should be listed as in dispute and that he was not going to make a payment until Macys concludes the investigation and adequete proof shows that I made the purchase at these multiple Macys, far from our residence on multiple different days. 
My issue is as follows ; 1 ) Macys is ruining my good credit by how they are reporting derogatory faudulant information on my credit report with the 3 credit bureaus. 
2 ) Macy is not acting in a timely manner. 3 months is too long to conduct their investigation 3 ) We are getting harrassed by Citi Macy collection department. They are discussing personal information with individual who are not on the Macy 's account 4 ) We are working within the confines of the law but Macy / Citi is not. The FCBA, FCRA and the FDCPA all seem to be being abused here This process has been extremely frustrating and I have spent close to XXXX hours now trying to clear my good 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 monetary relief
Consumer complaint received 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA in XXXX of 2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection 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 non-monetary relief
Consumer complaint received 11/17/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a private student loan with AES. 
The original lender was XXXX XXXX XXXX. 
The original loan amount was for {$16000.00}. 
My balance with a few deferments here and there is now {$24000.00}! I make my payments every month and they keep increasing my balance. They harass me and tell me that I am late on a payment when I am not. 
They are reporting a double balance on my dad 's credit as the cosigner. The way they are amortizing the interest has to be criminal. I was attending XXXX XXXX XXXX XXXX college at the time I took out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (VA mortgage) with NATIONS LENDING CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a refinance loan to 1 ) reduce my interest rate and 2 ) to get some cash for home improvement. I was told by XXXX XXXX that I could skip 2 payments reduce my interest rate and get the escrow on the old # XXXX in the amount of apx {$4800.00} dollars. Half way through the process a Senior Sales Manager named XXXX XXXX told me there was an issue ( XXXX/XXXX/2016 XXXX EST ). The title company said there was a shortage of apx. {$1600.00} and I would have to send them this money to continue. I was furious, the next, the next day he took care of it saying " We are good. I took care of it for you. It was n't your problem and is was n't right for you to pay for it. '' However in the end NLC paid the title money out of my escrow and added the remainder to my current loan # XXXX. NLC lied to me and miss represented themselves to me about the title company shortage. In the end I have had to pay for XXXX for my wife and I just had a XXXX also unexpected. Please help as I also have all the emails back and forth from XXXX XXXX and XXXX XXXX. PLEASE note half way down the " XXXX '' document you will see XXXX XXXX assures me of the financial outcomes. The " Issue '' document shows the Title company shortage issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/2017, I reviewed my credit report with Transunion and noticed several accounts and inquiries were removed off my report. Not only were they added back on, they are reporting negative. I did not receive a notification of any kind that all of this was going. I called and spoke with XXXX supposedly the supervisor in the special handling department. She was very rude and determined that I fax in proof. I 'm in the process of repairing my credit to buy a home, and I can not afford them picking and playing with my credit.

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 12-01-2016 about Payday loan () with BlueChip Financial (NJ).
Issue: Received a loan I didn't apply for

Complaint: I received a call today from a private number, he said his name was XXXX XXXX and he was calling to make an appointment to get documents signed. When I asked what the call was about, he gave me a number to XXXX, # is XXXX with a reference # also. 
When I called them, I was told it was for a payday loan, I told them I had never taken one out with spotloan. They proceeded to tell me if I did not make an arrangement for {$100.00} today or a payment of almost {$900.00} today, they would take me to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: i was in XXXX my card was stolen and used i sent proof and disputed the full balance and they only credit a little amount not the whole balance i keep calling and getting the running around and am sick and tired of it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (IL).
Issue: Struggling to pay mortgage

Complaint: I have a sale date coming up forXX/XX/XXXX, and I am really stressing out. Seterus offered me a modification with a higher payment in XX/XX/XXXXbut I could n't accept that one due to me not having a job or any income from my end. The only income was my wifes XXXX and during this time I was fighting to get Social Security income. Around this time XXXX XXXX and XXXX XXXX had created a new modification called the Flex Modification program. I tried applying for that one starting XXXX and they said I could not apply until XX/XX/XXXX. I applied for a modification and on XXXX they denied me for the Flex modification. I was waiting to receive the denial letter, and I never received it through mail. I had to get the denial letter faxed over to me. When I received it I told them that Seterus representatives had told me that the flex modification reviews would start until XXXX XXXX? Why was I denied so soon? Then I was advised I could submit a new packet for review. I submitted a new packet and they gave me until XXXX XXXX to submit any missing documents. I have been calling everyday and the file is still under review. They have all required documents and I have not been approved nor denied. A request to postpone the sale was submitted and they said the only way they will postpone the sale is if I get approved for a modification. The strange thing is that XXXX XXXX from Seterus stated that my file was being reviewed for a deed in lieu. I never specifically asked for a deed in lieu, I told them in writing to give me enough time to apply for a short sale or deed in lieu as a last resort if denied for the modification review. I called today XX/XX/XXXX and I was informed the request for sale date postponement was denied. They went back on what they had said and I fear that they will just deny me because of the sale coming up. They said that even if the file was under review and I had not been approved nor denied, they will still continue with the sale without giving me an answer. I tried for the flex and it didnt go through, I want to be given the opportunity to apply for a short sale due to a person interested in buying the property and me speaking with a real estate agent.

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 03/31/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a short sale for unit XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX back in XXXX 2014 to Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This company has been very uncooperative and made us resubmit the same paperwork multiple times, while not performing their due diligence, making it impossible to conclude the sale of the unit. They created a paperwork nightmare and forced us to auction the unit knowing in advance that the property would not fetch a better offer. Consequently, the buyer is prepared to retract his offer which already happened in unit XXXX located on the same building which had a similar offer and is also owned by the XXXX owner. 

Nationstar Mortgage is responsible for the offer of unit XXXX to be annulled and is also responsible for the offer for unit XXXX to be on the verge of being annulled. We are not sure why they creating all these barriers as we worked with them in good faith. Please help us to speed the process and asked them to stop playing these games. Thanks, XXXX XXXX ( owner ), XXXX XXXX ( 3rd party ), XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I filed an online dispute with Equifax after reviewing my credit report, for unauthorized inquiries and an incorrect balance. I previously disputed the inquiries as incorrect, approximately 4-6 months ago, when I noticed there were " hard pulls '' from companies I do not conduct business with. I wrote a letter disputing the inaccuracies, and at that time asked to opt-out of pre-screened marketing. Equifax did take me off of the pre-screened marketing, but they put a fraud alert on my account, which prevented me from accessing my credit report or applying for credit. The inquiries were never taken off, and I was told by an Equifax representative to file a police report, before they could further assist with the inquires. Furthermore, my account balance is incorrectly being reported by XXXX. I filed a dispute with a representative, and was told to send in supporting documentation to assist in the dispute process. The initial case was re-investigated by another Equifax representative, because when XXXX updated the balance, it was still incorrect. As of yesterday, yet another Equifax representative said she was going to cancel my re-investigation ( without my consent ) because it was already updated by XXXX. I advised her that the information was to be re-investigated. She said it was Equifax 's policy to not have more than one open dispute for the same dispute, meaning they are not allowing me to file a re-investigation. Lastly, I accessed my consumer report today with Equifax and I noticed there is a " Consumer Statement '' on my report that was not provided by me. The consumer statement was placed by an Equifax representative and reads ( copied from my credit report ) : XX/XX/XXXX CONSUMER SENT IN DOCS TO VERIFY THAT SSHE DOES CURRENTLY HAVE A XXXX BALANCE WITH XXXX FOR THE ACCOUNT THOSE DOCS WERE SENT IN ON XX/XX/XXXX THE CONFIRMATION FOR THOSE DOCUMENTS XXXX XXXX XX/XX/XXXX. It is my understanding that the consumer statement is a statement from me and not from Equifax. I never requested a consumer statement, and their comment shows that Equifax had proof as of XX/XX/XXXX that my balance was truly at a XXXX balance, yet they did not update the balance, they simply closed the re-investigation. Numerous occasions I have called and received conflicting information from Equifax representatives, and supervisors. When calling in to their customer service number, when I am transferred to their " foreign '' or outsourced phone queue, I have been given such incorrect information, that now I ask to be transferred to a representative in the United States. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: My loan was " sold '' to Navient who tried to collect on it, Navient then gave it to XXXX. XXXX said that if I made three on time payments of XXXX a month they would lower my interest rate from 10 % to .001 % so that I would actually start making headway on my loans. i made the payments but they never lowered my interest rate and they never updated my account to show current status or that my balance was decreasing. Navient stated that they never received conformation that I had made the payments and that they had a deal. When they researched the account the found that I was right and they said that i would be credited the interest back over time, so there was no real benefit to me. They also said that there was a new policy that no credit reports were going to be updated as of XXXX 2016 so all the payments I made were never going to be reflected, my credit report would always show that I was behind. Because this is reporting inaccurately I can not qualify for a house or loan consolidation of any type.

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 EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a charged off account that appears on my credit report the issue is the same account is listed by two different creditors. The account is listed under XXXX XXXX and XXXX XXXX. I  opened the account with XXXX XXXX In 2016 The account was transferred over to XXXX XXXX The account is now past due and instead of one company listing the debt both companies are listing the debt making it appear as if I owe two different companies. I have tried correcting this with no response. I only owe one of the companies for this listed debt. Under the FCRA my rights are being violated. I am requesting that either XXXX XXXX or XXXX XXXX remove the debt until than I can not rightfully pay the debt because I do n't know which company it belongs to. Both companies are saying they own the debt. This has negatively impacted my credit in a huge way. I have been denied housing due to this. I am asking that this information be updated on my credit file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech began mis-applying my twice monthly payments as principal-only and showing my monthly payment as unpaid, accruing late fees. They accepted and properly posted these payments in XX/XX/XXXX and XX/XX/XXXX but inexplicably began posting these as principal-only in XX/XX/XXXX. They have since applied late fees and despite three calls to customer service over the past week, have not corrected the error. I am also receiving robocalls from Ditech every weeknight telling me to call Ditech but without any ability to talk to a live customer service agent. These calls are placed after their customer service hours, so I have to wait until the following day to contact them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (I do not know) with Allied Interstate LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: multiple calls throughout the day

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 03-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TransUnion has wrong date of birth. I try to dispute my " Personal Information '', on their website, the best I could : there was no way to specify, which specific info I was disputing. The " resolution '' of my dispute, just as I expected did not corrected my record. I call them. I was told that I have to submit this " correction '' in writing and provide XXXX documents verifying my correct DOB. I asked how did TU obtained DOB on their record. I was told it came as a report from one of my creditors. I ask which of my creditors provided TU with that date. I was refused. I discontinue conversation. On the previous reports from TU my DOB was correct. On reports from XXXX other agencies, my DOB is correct. These fact lead me to believe that TU is at fault. They concocted this falls data, and now refuse to correct my record. I am urging you to use your power to severely punish TU and make them correct my record.

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 03-07-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Credit Management entered a contractual agreement to remove this account from my credit report in exchange for payment which was cashed by Midland Credit Management on XX/XX/2016. Henceforth, I am attaching a copy of the check which was cashed under the condition that the account was removed in entirety from all the credit bureaus the company has reported this account to. In the event that this company continues to refuse to remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The Ohio Attorney General submitted correspondence to remove XXXX State Liens from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.

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 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are XXXX names listed on my report that are incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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