vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Macy 's Credit card.
In XXXX 2017, this credit card company was faxed with receipt and mailed a power of attorney ( POA ) to take control of the account away from the primary account holder due to XXXX. My wife and I were given custodial control. Macy 's ignored this and sent a letter stating that the primary account holder had to approve. We had the attorney get involved, and the account was closed. This is after we were hung up on ( disconnected they said ) twice when we told them the attorney was going to get involved if they did not allow the properly executed and filed POA. We again wrote back with the POA and a letter stating to close the account.
We reviewed the account. Over the last year, my mother in law was making the payments the account reps on the phone told her to make to " settle the account ''. these payments were always one to two dollars below the minimum due. Each month, they were hitting her with close to {$100.00} of fees and interest due to giving her the wrong information and misguiding her.
In XX/XX/XXXX, we were given a final settlement amount, and we sent in a check. We then got a letter addressed to the original account holder stating they could not honor the request, and charging a " minimum fee '' of {$2.00}, and a late fee. We called several times, got hung up on several times, and after threatening legal action, the fees were removed. The agents reported the account was closed In XX/XX/XXXX, they again charged minimum fees, and ignored the POA. We again sent in the POA with a demand to close the account. Several 'disconnects ' later, the account was reportedly closed again.
In XX/XX/XXXX, when my mother in law in her XXXX state called Macy 's to make an order, she asked to have her personal credit card charged for a phone order. Macy 's again opened her Macy 's charge account and placed the charged on the Macy 's card. This was against her wished, ans she was told that they " had her personal charge account on file ''. This is after Macy 's had been notified in writing on multiple occasions that the person was not legally competent to do so, and the account was closed.
We called the next day to cancel the order, and move the charges to a Visa card. We were told this was done - it was not, and we started the whole cycle above again.

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 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
A couple months ago I contacted the company SW Credit systems ( SouthWest ) after noticing them as a collection account on my credit. They advised me it was an XXXX XXXX XXXX bill however I do not have XXXX XXXX XXXX. I informed them it was as an result of identity theft at what point they instructed me to go online to get forms to submit to XXXX XXXX XXXX. I did as they instructed however they still have not removed the item and still have me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems opened a collections account on my credit reports on XXXX XXXX, 2017. The only reason I know this is because I have a XXXX XXXX account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Midwest Recovery has come along to make this achievement short-lived. The original creditor listed is XXXX XXXX. There is an issue with this listing. I tried to XXXX XXXX XXXX and found NOTHING. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I recieved no documentation of this alleged debt. I have no contractual agreement with Midwest. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted Navient my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted XXXX my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set to current. As soon as i contacted XXXX my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX keeps adding balances and subtracting balances from my accounts. this is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XX/XX/XXXX-XX/XX/XXXX be removed and set to current. As soon as i contacted XXXX my loans were put back in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I previously disputed an account listed as AMERICAN CREDIT ACCEPTANCE on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the XXXX  account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called XXXX on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.

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 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting fraudulent inquiries from XXXX XXXX on my credit file and refusing to investigate them correctly to remove them from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: MI

Complaint narrative:
My lease is through US Bank and my complaint pertains to money being withdrawn from my account in error ( electronically ) and not returned. I paid my normal lease monthly payment on XXXX XXXX, 2017 and received a message on my account that US Bank was now offering automatic debit ( they should have already had automatic debit by now but they are the most XXXX XXXX XXXX I have ever experienced ). I signed up for the automatic debit and received a second message stating that my automatic debit would not go into effect until XXXX XXXX and therefore I needed to continue with making my normal XXXX payment. I did this and on XXXX XXXX a payment of {$350.00} was withdrawn from my account. Three days later a SECOND payment was withdrawn on XXXX XXXX for another {$350.00}. When I contacted US Bank, I was informed by " XXXX '' that it would take 7-10 business days to process the return request and another 7-10 days to wait for the PAPER CHECK to arrive in the mail. She stated that the process would take so long that by the time I received my check, the next payment would be do and therefore I should just leave it. If you electronically deducted my money then why the XXXX are you not able to electronically return the money?! I was on day one of a vacation when this happened and needed that money to be in my account. My vacation was extremely stressful due to this discrepancy and has caused me problems with the rest of the bills that I owed this month.

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 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously disputed an account listed as XXXX XXXX XXXX on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the TRANSUNION account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called Transunion on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.

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 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Received notice from Midland demanding payment of which I do not owe. Midland is also under investigation regarding their business practices in the state of Massachusetts. They do not have a business license. They have endless lawsuits against them for their illegal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NC

Complaint narrative:
On X/XX/2017, I checked my account balance and it said that I actually owed more than I borrowed! At this point I had made two ( 2 ) payments of {$110.00} ; one on X/XX/2017 and another on X/XX/2017. When I called and inquired as to why this was, I got some long-winded excuse as to why the balance was so high ; something about accumulating interest. I expressed how violated I felt and how I felt like I was being taken advantage of and ended the conversation. Remarkably, since that conversation, the balance shows less than what I owe, but the majority of the payments I am making, at least 95 % of them, is going to interest and not principal. To date I have made 5 payments totaling {$590.00}. My balance according to Spotloan.com is {$510.00}. So out of the {$590.00} I have paid thus far, only {$81.00} has gone towards the principal. I have screenshots of the balance that showed on X/XX/2017, and subsequent balances on screenshots since. On X/X/2017 I have a screenshot that shows a balance of {$540.00}. 4 days later on X/X/2017, I have a screenshot showing a balance of {$560.00}! How did it increase in 4 days???? It 's just so ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: PA

Complaint narrative:
Late last year Key Bank acquired XXXX XXXX XXXX. Around the time of conversion, Key Bank posted my payment for both my Mortgage and Home Equity incorrectly ( XXXX and XXXX ),  causing me to show as delinquent. I received several phone calls telling me that they were attempting to collect a debt, after I did research I found that they posted the payments incorrectly. I explained this information to them, they said they would fix it. The next month I received the same phone calls saying my payments were past due. After approx. 3 hours of phone calls ( trying to get to an individual that would be able to help me ) they acknowledged their mistake and provided me with a letter saying it was their error and no negative information was reported. I pulled a Credit report, and they did in fact report me as 30 days past due twice ( XX/XX/XXXX and XX/XX/XXXX ). I again spoke to several people at Key Bank and even made a trip to my local branch. They said the issue was corrected and again gave me documentation stating I was not past due at any point during my loan. Fast forward to last night, when I applied for a new mortgage, and was told my rate would be 1/8 higher then quoted because my credit score was below XXXX on two of the major credit reporting companies. Upon looking at the credit report, it was noted that 2 of the companies are showing I was late with my Mortgage held by Key Bank. The one that was not reporting me as past due had my score above XXXX..enough to get the lower rate. So now because of Key Banks error and their incompetence to make the correction correctly, I am now going to be paying more for my mortgage in addition to the {$32.00} I just paid to see my full credit report. I have never been late on my mortgage or my HELOC and I am beyond upset that because Key Bank made several errors, which they have admitted to, I am going to be paying more for my new home. Does not seem fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
They call repeatedly, multiple times a day including when I am at work. I have asked them not to call during the day. They also call at XXXX XXXX on Sundays and I understand they are only supposed to call between XXXX on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
I have told them repeatedly that I work during the day and ca n't have my cell phone. They continue to call me 5 times a day, and they try calling from different numbers hoping I 'll pick up which is misleading and fraudulent. I ca n't pick up the phone if I do n't have my phone with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My name is XXXX XXXX and I am the XXXX of XXXX which is the XXXX for XXXX XXXX XXXX. There is a property located at XXXX XXXX XXXX , XXXX, TX XXXX owned by XXXX XXXX. The XXXX abandoned the home about 8 years ago and it has been vacant and deteriorating since that time. Last year we filed a compliant stating the mortgage company, Nations Star Mtg was not maintaining the property. Case # XXXX. I am now told that case is close. The mortgage company did maintain the property on a monthly basis via XXXX XXXX XXXX up until about three months ago. XXXX now states it no longer has a contract to maintain. The grass has not been mowed, the shrubs not trimmed and weeds are all over the property. Nations Star Mtg needs to maintain this property as it is reducing the value of homes in the area. They also need to foreclose as it has been vacant for 8 years now. My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XXXX XXXX,2015. I logged onto WestLake Financial online to pay my truck payment. I agreed to have {$200.00} debited from my account. The next day on XX/XX/XXXX I checked my bank statement and noticed they cleared two charges of XXXX and paid them to Westlake financial. I called Westlake financial where they told me I had to prove my bank statement shows a cleared transaction for the double charge. This company took funds out of my bank account without my permission. My family is now left with {$10.00} ( family of XXXX with XXXX kids ) they are not contacting me back. This was my money my family needed and now it 's gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been trying for several years to get wrong information corrected on Equifax. The other credit reporting agencies have it correct but Equifax does not and will not correct the issue. They are reporting my wrong birthday. I faxed them my driver 's license and SS card but they still have not corrected the issue and closed the investigation. My confirmation for equifax was XXXX. When I try to call back, I can not reach a live person to speak with again and open another investigation. Please help me correct this. These companies have way too much power over our lives and give very little if no support to correct issues. thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo today to make a payment with the same account information I make it with every month for the past 5 is years. I verified over 5 pieces of information like I do every month and have been doing for the past 5 years. Today they refused to take my payment from the account I gave them verifying the routing number and the bank name. The manager stated she would notate my account to make it more difficult for me to call In and make future payments even though I had correctly verified all the information where my payment was coming from.

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 2017-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was approved for deferment. My deferment began on XX/XX/XXXX and ends on XX/XX/XXXX. During the deferment, no payments are due. On XX/XX/XXXX and XX/XX/XXXX payments of {$120.00} were deducted from my checking account. In addition, I canceled my auto pay, and payment was still withdrawn, in spite of.

Company response to consumer: Closed with explanation