Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX I went to the XXXX Macy in XXXX, WA to purchase a mattress & bed frame during their XXXX XXXX  Sales event. I asked for Macy 's White Glove service which includes delivering the mattress and frame for free. the sales person XXXX XXXX kept saying I should purchase a sales floor model as the Macy 's at XXXX XXXX had recently closed and he had great deals on Sales floor models But he could not offer me white glove service on the sales model. I told him I have no one to help me lift or move and I have a XXXX XXXX XXXX. XXXX XXXX manger was present who apparently is also named XXXX last name XXXX from what I have pieced together then put all the info in for a mattress that had white glove delivery then he said he could not deliver it on a Saturday  so he could give me XXXX XXXX dollars off the sales floor mattress and frame and i could order a XXXX delivery which XXXX XXXX then set up on my phone. 
The mattress was to be delivered on Saturday  XX/XX/XXXX the XXXX staff had to drag my mattress up my two flights of stairs. Then when it came time to lift the bed frame they stopped at my front stairs to my apartment and said it was too heavy for them to lift. I said Macy 's had promised the full delivery. The pair of men bickered with me and I got Macys mattress department on the phone XXXX XXXX answered and I said I was sending the XXXX crew back with bed frame because they could not even lift it up one step to my apartment door.XXXX XXXX said he would get a Macy 's Manager to call me.No manager ever called that day. I asked XXXX to call their supervisor and the young man said it was his first day and he had not ever lifted or moved anything and could not lift up any stair case the XXXX took the frame back to macys to a manager called XXXX XXXX XXXX x XXXX which never get back to me. He said he would partner with XXXX but I have left messages and never heard back from him. The number he gives me is not direct. XXXX wants to charge me XXXX XXXX and XXXX XXXX dollars for a bed frame I never obtained because their XXXX could not XXXX. 
I have attached the Macys reciept which states Macys is responsible for delivery. At this point all I want is a refund on my Macy 's credit care for the bed frame and I do not want to purchase anything from Macys again. I feel that Macy 's should pay XXXX. I am hoping you can help me with this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Complaint sub-issue: Account information incorrect

I contacted XXXX, Equifax and XXXX  online and I also sent out my credit report along with my dispute and supporting documentation via Certified Mail. It is pass 30 days and I still haven't gotten a response. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so. I sent my first dispute letters via mail XX/XX/XXXX and I sent my follow up letters XX/XX/XXXX via mail. Please help me correct this issue. Thanks
Complaint sub-issue: Account information incorrect

Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX  IS currently reporting inaccurate information on my credit report. On XXXX  Equifax and XXXX XXXX it shows reporting that my last date of payment was XX/XX//2016. 

XXXX XXXX also reports that I was late XX/XX/2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XX/XX/2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XXXX/2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX//2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX/2016 Payment XX/XX/16 Due XX/XX//2016 Payment XX/XX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX/2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account
Complaint sub-issue: Their investigation did not fix an error on your report

This a formal complaint in regard to the response to my complaint Equifax submitted in XXXX XXXX XXXXnd the continuous reporting of inaccurate and unverifiable information. In accordance with the Fair Credit Reporting Act, Equifax has and continues to violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 by continuously reporting the following discrepancies with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can this creditor verify that the current status is being reported correctly when this account is displaying inaccuracies and discrepancies? What reasonable procedures were used to verify the completeness and maximum accuracy of the information? You are allowing this creditor to update and modify inaccurate and false information on my report monthly, after willingly and knowingly this creditor is violating my consumer rights. 
You also responded to my complaint stating that XXXX XXXX XXXX XXXX is being reported as a single entry on my Equifax credit file. That is completely inaccurate. If it was a single entry, why is the same debt being reported with XXXX different account numbers ( # XXXX XXXX XXXX  ) from the same creditor? Thats a double entry. 

I have sent multiple certified requests with copies of the delivery receipts requesting the XXXX, Cancellation of XXXX XXXX, to provide evidence of my obligation for the reporting balance owed. This account has been charged off, therefore, the creditor has reported the balance as a loss and written off the balance. Creditor is required to issue consumer a XXXX reflecting the actual amount written off to IRS. 

Equifax has failed to conduct a proper reinvestigation and continue to list the disputed items on my credit report, falsely and inaccurately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

Credit Bureau in violation of Several FCRA aswell as the 49 CFR 801.56 and the GRAMM-LEACH-BLILEY ACT.
Complaint sub-issue: Debt is not yours

According to the debt collection agency, they state that this account is valid and I have repeatedly explained and even paid a portion of the debt agreed upon the amount back in XXXX, when they initially referred this debt as past due. I was told that during three weeks when I lived in XXXX XXXX, the " affiliated '' store for XXXX XXXX there, took my original cellular phone and sent it in for repairs as I was to have a local number there, and they were to fix the roaming charges and issues with my phone. Upon receiving my original phone back, they failed to mention that they did NOT in fact fix the roaming charges, nor my phone ( they just unplugged the roaming signal on my phone and returned it to me like it was fixed, I still got charged for the roaming charges and an additional " service contract '' that the representative stated was a release for temporary usage of a down-graded cellular phone till my original phone was returned ). So not only was I charged with my original contract monthly charge, plus the " supposedly fixed and deleted '' roaming charges, but also a whole other monthly contract with another company " supposedly affiliated '' with XXXX XXXX. They finally took away the " supposed '' other account, but it later was balled into the XXXX account that they keep trying to collect funds on. In XXXX, I moved to XXXX XXXX XXXX and got put on a family plan with my now husband, and in XXXX, I no longer had a phone or contract with XXXX XXXX due to a divorce from my ex-husband, whom charged and destroyed a cellular phone that was connected to that account, so between overcharged roaming/monthly fees, I also have an early disconnection of that cellular phone even though it was stated as destroyed in XXXX, the XXXX rep told us that the cost of the cellular phone was to be removed then, but has constantly been applied over and over again as a hidden fee for some charge that I know was not to be added to the contract. I've since been disputing this account several times over, and every time it comes back denied and the " disputed date '' is put in place for the " current balance due date '' making it appear as this account is current and not in fact over seven years old. I just want this account removed and my credit restored as this has been an ongoing fiasco that should have been resolved many, MANY years ago, but it is being reported as a delinquent charge-off on my credit history. I have argued and complained about my service and my monthly billing several times with XXXX XXXX, all the while they kept charging and OVER-CHARGING my account to appease their mistakes. After my divorce, I vowed to never again deal with XXXX XXXX or any companies " AFFILIATED '' with them for their uncontrollable addition of illegal and fraudulent charges to disguise the wrongful actions they have done to the customers and failure to fix or resolve the true issues at hand. All they cared about was getting paid for XXXX service, failing to be cooperative with their customers, and hiding wrongful charges as legitimate fees on the statements to COVER-UP the wrong doings they have done.
Complaint sub-issue: Trouble with how payments are handled

for the last year I was paying about {$470.00} dollars on my loan. The minimum payment was initially {$460.00}. I also paid a few times in the amount of {$470.00} to give myself more buffer room. I did this under the impression the amount was being applied to the principal. But now I find out that the amount was being applied to next months payment. They call it paid ahead. I do n't understand how this paid ahead works. If I am paying extra on my loan every month then it should be applied right away and not used as a credit for the next month. My loans were given to me by Discover Student Loans and are serviced by XXXX XXXX. I just would like to know What I have to do to pay more. It does n't make sense that If I pay more that my minimum payment does n't stay down over time.
Complaint sub-issue: Account status incorrect

XXXX  XXXX  XXXX, XXXX XXXX XXXX please remove the late payments reported on these accounts. The late payments reported is incorrect. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it. I ask credit bureaus to investigate and they said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error Please remove the error from my credit report ASAP
Complaint sub-issue: Threatened arrest/jail if do not pay

Citi Financial Group called me and requested money right away needed it within XXXX hours or they were going to contact my employer, send a XXXX to the IRS, and charge me with a felony. The company never addressed what company they were calling from until the XXXX call. They woman gave all my information out to my wife without XXXX requesting my permission first. When we advised them they needed to prove that I owed this debt the XXXX worker stated they did not have to prove anything and we needed to prove where we did not owe this debt. My wife has spoken to our case manager today ( XXXX/XXXX/15 ) and advised the case manager that we did not want any money taken out until we received the email with the documents that we were promised and requested information to be faxed over.
Complaint sub-issue: Attempted to collect wrong amount

CAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This appears on my credit report, same address as XXXX XXXX collection agency who has no idea who i am when called. i have no idea who CAC is and what its in regards to and neither do they. Whats with credit reporting agency 's claiming to not know who i am and having open accounts on my report. Please remove your name from my report.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Application ID XXXX XX/XX/2019 We're unable to approve your application Hi, XXXX. Thank you for your interest in the XXXX XXXX XXXX account. We're unable to approve your application because : A delinquent credit obligation ( s ), either paid or unpaid, was recorded on your credit bureau report. 
Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency : Equifax Credit Information Services XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Even though the reporting agency provided the information, it had no part in our decision and will not be able to provide specific reasons why we denied your request. 
Under the Fair Credit Reporting Act, you have the right to know the information contained in your credit file at the consumer reporting agency. You also have the right to a free copy of your credit report if you request it from the consumer reporting agency no later than 60 days after you receive this letter. 
If you find any information in your credit report that is inaccurate or incomplete, you have the right to dispute the matter by contacting the reporting agency at the address or
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & fair Debt Practices Act 15 U.S.C. 1692 XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ! 5 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A states : A debt collector may not communicate with a consumer in connection with the collection at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging in person in a telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Complaint sub-issue: Information belongs to someone else

The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on my credit report.
Complaint sub-issue: Other problem getting your report or credit score

I am never able to log in to my equifax website. There is always a temporary unavailable error day after day. Even with resetting passwords and making new account with new email. You can never get any help or actual human beings on the phone.
Complaint sub-issue: Account status

I have an account listed on my credit profile that is not accurate. I have contacted the company that is listed which has stated that they informed all Credit Reporting Agencies to remove this item & they have not verified this account as reporting correctly to Equifax. I have sent Equifax numerous letters to remove this account & they continue to report false information on my credit report. All of the other Credit Reporting Agencies have removed this account except Equifax, who continues to break the law by reporting false information.
Complaint sub-issue: Company closed your account

XXXX XXXX XXXX XXXX. 
I had for many years used my XXXX XXXX XXXX  Out of the blue XXXX  issues me an XXXX XXXX card. I had Not. requested that card and called XXXX Cardmember Services. 

Per them, the said they notified me in advance that they were changing. I DID NOT RECEIVE ANY ADVANCE NOTIFICATION. Was told my XXXX account was being closed and replaced by the XXXX. I told them I don't need the hassle of changing account numbers when I do online purchases and have automatic payments. I requested my XXXX remain open and was told that it wasn't possible. I found this highly disturbing, yet, as I understand, is legal. 

This has totally disrupted my credit history and peace of mind. 
I have applied to XXXX XXXX and been accepted for a credit card. 
I'm writing out of frustration that XXXX can close my XXXX account and switch over to a XXXX  account.
Complaint sub-issue: Public record

We have sent the bankruptcy forms to the credit agency and the accounts do not show paid they show and outstanding balance and the mortgage account shows foreclosed and it was included in the Chapter XXXX bankruptcy with both mortgages on our credit .On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX , previously XXXX XXXX XXXX XXXX XXXX our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XXXX of XXXX. Our bankruptcy was XXXX in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX
Complaint sub-issue: Having problems with customer service

In XX/XX/XXXX wife and I filed bankruptcy trying to help my mom when in the hospital Moved to XXXX for new job and finished paying bankruptcy XX/XX/XXXX -XXXX EduCap garnished my wages to where I could n't afford my mortgage and have to file bankruptcy again. Now I have a lien on my house and I can not sell my house because of a new job waiting for me in XXXX. I would like to work with EduCap to settle my debt but they wo n't even talk to my bankruptcy lawyer. I 'm not trying to get out of paying my debt but I am asking for help so that I can pay EduCap off as soon as possible. 
If I ca n't sell my house I will have to forclose and I 'm trying not to go there It would be better for me to sell my house and give EduCap any profit I make on the sale. 
All I 'm asking is to work with me so we both can move on with life. 
Thank you for any help and support you can provide.
Complaint sub-issue: Received bad information about your loan

I received a letter from Discover Student Loans stating " lat year we sent you a check as agreed under a Consent Order with the CFPB. Our Records indicate the check we mailed to you has not been cashed or deposited. '' After XXXX XXXX, 2017 they had to remit the funds to the CFPB and i would have to contact the CFPB in order to have a new check reissued. I contacted the CFPB on XX.XX.17 and they could not issues a new refund because Discovery Student Loans did not provide a 3rd party admin contact number to distribute the funds. 

As of right now I have no way of getting the check reissued until Discover provides the needed information.
Complaint sub-issue: Other problem

Citigroup announced in XX/XX/XXXXtheir new policy of discriminating against lawful companies who sell legal firearms. I contacted them and advised that I have a Citicard through XXXX and I will not in good conscience continue the use of the card if they are going to continue discriminating against Constitutionally protected commerce activities. They offered no defense of the policy and would not answer if they thought it would likewise be appropriate for a bank to refuse banking services to XXXX or XXXX  companies if they felt it appropriate to discriminate against them. My tax dollars bailed out this bank 8 years ago and they are as such government subsidized.
Complaint sub-issue: Investigation took more than 30 days

Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.
Complaint sub-issue: Information belongs to someone else

I RECENTLY REVIEWED MY CREDIT FILE AND NOTICED A FEW ACCOUNTS I DID NOT AI=UTHORIZE. I OBTAINED A POLICE REPORT AND PROVIDED THIS INFORMATION TO THE THREE MAJOR CREDIT BUREAS. XXXX   INVETIGATED AND REMOVED THE IANCCURATE DATA. I FORWARDED THE INFORMATION TO EQUIFAX AND XXXX BUT THEY HAVE YET TO FOLLOW WTHE FCRA, WHICH STATES ALL INVESTIGATED INFORMATION FOUND TO BE INACCURATE BY EITHER CREDIT REPORTING AGENCY IS TO BE SHARED WITH ALL OTHER BUREAS AND THE INFORMATION IS TO BE REMOVED.
Complaint sub-issue: Their investigation did not fix an error on your report

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. Equifax stated they would remove this information but it has not been deleted.