milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXXreport I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XXXX XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.

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 09-07-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I was charged a $ XXXX late fees on a monthly basis after I enrolled in auto-pay with Macy 's credit card, which totalled {$230.00} plus {$10.00} interest for this year alone. I authorized the auto withdrawal from my checking account on XXXX/XXXX/XXXX when the billing due date was XXXX each month. Macy 's changed it to XXXX without my knowledge and started to charge late fees since XXXX until now based on the two days difference. I did n't notice this until receiveing the current statement yesterday, XXXX/XXXX/XXXX, and called Macy 's, and was only given a {$19.00} refund. When I set up this auto-pay, the due date and withdrawal date was arranged between Macy 's and my bank. I have no hand in the process. I do n't understand why Macy 's changed their due date but persisted on the original withdrawal date so as to create a gap for late fees and allowed it to continue for almost a year? I have more than XXXX other auto-pay arrangements with other businesses, but none of others ever charged me a late fee for any excuses. I believe I deserve a full refund of the {$250.00} charges for 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 monetary relief
Consumer complaint received 08-04-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a collection agency that is trying to collect {$11.00} from me that I believe I do not owe. After multiple attempts to request debt validation from this agency, it has failed to provide such information. It sent me an itemized list of charges ; however, no where on that list does it show that I owe anyone any amount. It also has failed to provide its license to collection in my state ( CA ). Additionally, this collection agency has referred my letter to its legal department. 

Since the very beginning of my conversation with this collection agency, I have stated that I am not refusing to pay ; however, I would like it to provide me sufficient proof showing that I have any obligation to pay any amount. So far, in my opinion, it has failed to do so. However, in order to keep my good credit score, I have already paid the amount in dispute as of XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KS).
Issue: Taking out the loan or lease

Complaint: XXXX 2014, my spouse passed. He had a open auto loan with Chrysler Capital. Upon his passing, I submitted the payoff amount, his death certificate and other documentation for their records and requested any overpayment be refunded to me. The payment received exceeded the balance owed. A check was issued back to my husband in which I could not deposit or cash. I 've had constant contact with Chrysler Capital for a year with hopes they would refund me the overpayment. They will not comply. They told me they can only refund the money to my deceased spouse or I need to obtain an executor of estate order. I 've spoken with legal counsel and was told due to the amount, a non-judicial affidavit would suffice or take them to small claims court and sue them for more than they owe for the extra heartache they are causing. The amount owed is {$320.00} which is n't worth court cost and proceedings to become executor. I 'm a widow just seeking what is owed to me. I did not have to close the account, I could have allowed the car to be returned as a repossession. Chrysler Capital does not value their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN is reporting me as having two late payments but records show that I have not been late for several years on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Delinquent account

Complaint: informed this company to cease all collection calls and communicate thru US mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX, I found seven accounts reporting inaccurate information on my credit report. On XXXX XXXX, I wrote and mailed a letter to Equifax, XXXX, and XXXX XXXX ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (OH).
Issue: Taking out the loan or lease

Complaint: I neither affirm, nor deny this purported debt, you claim I owe your company {$4600.00}. On XXXX XXXX, XXXX, I contacted CNAC regarding the Credit Entry made on my credit report. I returned the vehicle to XXXX XXXX on XXXX XXXX due to several on-going issues and the engine blowing on XXXX XXXX as a voluntary repossession. When I finally was able to speak with someone regarding this debt and asked if I can do a settlement, I was told yes I can and they would transfer me to the Settlement department. When I spoke to the person in the settlement department at CNAC, I was told by them that they no longer owned the debt and it was sold and they could n't offer me a settlement due to they no longer owned the debt. I asked them why their making entries on my credit report as if they still have ownership of the debt and they told me that they can legally do that even though they do n't own the debt and ca n't offer me a settlement. I have reviewed my credit report from all XXXX credit bureaus and found that the entries made by CNAC inconsistent and possibly fraudulent throughout the last years. I also noticed that CNAC never updated my credit reports when I first purchased the vehicle of payments that I made, they only updated it with negative information. I was told when I purchased the vehicle that they help people build credit and they report to all XXXX credit bureaus monthly of payment, which is n't true. I also notice the first week of XXXX, after speaking with them on XXXX/XXXX/XXXX that CNAC removed the account from XXXX and then add it back on, as well as update all XXXX credit reports status as Volunteer Repossession, which was never listed until the week of XXXX/XXXX/XXXX. I have also sent a letter to them addressing this issue, please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of XXXX I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX  paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of XXXX XXXX California Sheriff 's  department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. Experian, XXXX and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.

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 02-09-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (AL).
Issue: Managing the loan or lease

Complaint: XXXX XXXX deleted a car loan, a good account, without confirmation from me. It is a good account. I would like the account put back on my CREDIT REPORT

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 12/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Debt collection (Medical debt) with Merchants Credit Adjusters, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed and completed a chapter  XXXX  bankruptcy and liste d Merchant Credit Adjusters Inc. as a creditor. Merchant Credit failed make claim during the bankruptc y.     Once the creditors were notified that the bankruptcy wa s discharged Merchant Creditors files  a claim of garnishment, violating my rights under the bankruptcy laws. This is not a collectable debt.     Bankruptcy Case No :  XXXX  Merchant Credit Adjusters Lawsuit {$510.00} Case  XXXX   XXXX   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 02-02-2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Rewards

Complaint: I applied for a chase freedom credit card ( about 6 months ago ) under a promotion where they were offering a {$200.00} bonus if you spent {$500.00} or more within the first 3 months. I fullfilled my obligation for receiving the {$200.00} bonus, however, Chase refuses to give me the full bonus. They say the {$200.00} promotion was no longer valid, even though the {$200.00} promotion was still available online and at no point when I opened the account did they tell me the promotion was invalid or had expired. I have tried to resolve the issue with Chase by sending them XXXX letters ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ), along with a copy of the promotion I applied to. I feel Chase should honor the promotion I applied to and credit my account the remaining {$100.00} bonus it owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Constantly chase bank witholds my information to  XXXX , a payday app.. they donot give my oayday infirmation as it has to be done they give it too late resulting in me not being able to borrow from my check, ive called chase in numerous occations asking how this can be fixed and i never get a deffinitive  answer. Please push chase bank into updating my account info with  XXXX  so i can live at peace.. thank you !

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding is lowering my credit report and creating problems for me by reporting a Collection account on my credit report. This debt is NOT mine and yet they continue to ignore my requests to remove the derogatory remark. I ca n't understand how they can ruin someone 's life without providing any proof a debt is owed. If the CFPB ca n't help with situations like this I question why it even exists? The credit reporting agencies dispute procedure is useless in these situations and need to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Student loan (Federal student loan servicing) with Social Finance, Inc. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have called SoFi multiple times and they refuse to put me on their do not call/ do not mail list. They say they do n't have my information in their system, but they clearly do as they are able to solicit me through multiple channels ( email, direct mail, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I was trying to pay my mortgage over the phone and the automated system kept telling me that it did n't recognize my account number, when I finally got through and entered my bank account information the payment seemed to go through and I was given a confirmation number. I called and checked on it several days later and it confirmed that my payment was received. When I received my next statement it showed a " payment reversal '' and a late fee charge. When I called to ask why my payment was reversed I was told that I entered my account number wrong. I was charged a {$100.00} late fee. I believe that it was the system 's error that caused this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: So I was activated and placed on XXXX XXXX orders and sent to XXXX from XX/XX/XXXX to XX/XX/XXXX. Previously I paid my Chase bill by going into the branch. Around the time of my XXXX Chase ceased mailing the monthly statements to my residence. My wife was not on the account. The bank refused to communicate with her. She had a POA. They refused to take cash payments from her. They are reporting XX/XX/XXXX and XX/XX/XXXX payments as late. I am protected under SCRA and received credits going back through XXXX that mean there were no late payments. We made a payment timely in XXXX that was 10 times the amount of the minimum due. Chase is refusing to allow for the fact that while deployed I could not go to the branch and my wife could not pay in cash as she was not me. One of their representatives treated me so vile it was beyond discussion how anti-military that company is. I will stop at nothing to correct this wrong as long as I live. I tell everyone that Chase is an extremely Anti-Military company who are discriminatory towards service members who are serving in combat zones. Please correct this wrong. They have never responded to my complaint. After adding my wife as an authorized user they claimed they would only respond to me through CFPB. Now that I have returned and am still on XXXX XXXX, they need to be forced to respond to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home loans is continuing with the foreclosure hearing XXXX XXXX, 2015. The last complaint I filed with CFPB was to stop foreclosure and pay me the Respa money at closing when my house sells. Caliber is avoiding the response to you. This is not a duplicate. Thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called XXXX to dispute inquiries that are showing on my report. they are wrong. agent at XXXX told me to contact the companies. I have no idea who they are or how to contact them. I asked for supervisor. He was unhelpful as well and was lying to me. When I asked him his name and ID number to report him, he said XXXX XXXX. He is from XXXX, he is not XXXX XXXX. He is lying. I then spoke to another supervisor " XXXX XXXX ''.. CreditorInquiry Date XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/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 05/15/2015 about Mortgage (Conventional fixed mortgage) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: hi I have a mortgage on a dairy farm The dairy portion has been shut down and the buildings that were used to have the dairy have been decommissioned I have lost their permits have lost their status to be a dairy ever again and yet my Bank is requiring excessive insurance on buildings that have no purpose other than just being a shed I have asked them numerous times to send me original copies of the loan documents showing the insurance requirements and they are not willing to produce those I guess an example of this would be if you see an old gas station structure on a lot there are no pumps anymore there 's no tanks anymore there 's no permits anymore The land around it is being used for other purposes but yet the bank still wants to have levels of insurance as if it is a gas station

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. Cbna/sears Inquiry XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation