milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CO).
Issue: Making/receiving payments, sending money

Complaint: XXXX my wife and I have Macy 's accounts and have signed up for electronic bills using our XXXX XXXX XXXX service. We have excellent credit and have never had any issues in the past. Macy 's switched their credit card service to XXXX XXXX in XXXX 2015. While my wife received all her bills since XXXX, I did not receive an electronic statement and a purchase of {$44.00} that I made in XXXX resulted in {$180.00} in late fees. 

I found out about the late charges once Macy 's contacted me in XXXX for the late charges. Macy 's customer service is saying that failure to pay is my fault even though they failed to provide me with a bill. I checked with my bank and the electronic bill service for Macys was turned on the entire time ( which is how my wife received her bills ) After contacting Macy 's, I have finally received a paper bill and the electronic bill pay service has resumed. I have paid the amount that I owed for goods purchased but I should not be responsible for late fees based on statements that were never delivered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: on XXXX XXXX2015 i was contacted by XXXX XXXX XXXX they try to get me to pay a collection of {$980.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted both XXXX and Experian about a credit dispute for XXXX XXXX XXXX ( XXXX ), that was included and discharged in my Bankruptcy case # XXXX on XXXX XXXX, XXXX in the XXXX XXXX XXXX Florida ; neither have 'closed ' this creditor on my credit report. I disputed the 'open ' status with XXXX credit agencies on XXXX of XXXX. However, on both XXXX and Experian credit reports, they remain in 'open ' status. In my dispute with Equifax, I received a written letter stating " the case information states closed '' but still on my credit report - it remains and reads as 'open '. Experian responded on XXXX XXXX, XXXX by sending an updated credit report and it reads " We have completed the processing of your dispute ( s ). Here are the results : Credit Items - XXXX ( XXXX ) : remains. 
Public records : XXXX BKPT CT FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Identification # XXXX Date filed - XXXX XXXX Date Resolved - XXXX XXXX Chapter XXXX bankruptcy discharged. 
Yet for Experian it remains in 'open ' status with a red dot. 
XXXX as of XXXX XXXX, XXXX lists XXXX XXXX XXXX as a " New Debt '' and states " Since your last update on XXXX XXXX, XXXX, you have XXXX ( XXXX ) overdue debt that has been transferred or assigned to a collection agency. '' XXXX XXXX XXXX - XXXX. 
It seems to me that XXXX XXXX XXXX - XXXX, keeps reporting this disputed and Chapter XXXX discharged debt to different credit collection agencies and both XXXX and Experian are ignoring the discharge and adding it to my credit over and over again. 
This debt shows and states on XXXX - discharged. 
Both XXXX and Experian have an obligation according to the law to state on my credit reports that the item is closed and discharge Chapter XXXX. I am tired of fighting with XXXX companies. 
Please tell me what to do to stop XXXX credit agencies and XXXX = XXXX from constantly reporting this discharged debt as open and new.

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 02/22/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been contacting phh mortgage for a assistance plan since XXXX or XXXX Everytime we send them what they ask for the assistance is denied. We 've received a letter with a supervisor name I called multiple times and I 've left maNY messages and no return call. Last week I called the number and now the msg says XXXX is no longer employed with phh. So I took down another extension for XXXX I believe. It 's going on 6 days and no call. We 're frustrated that they refuse to complete the assistance or give us a loan modification. Can someone pls help up? We want to keep our home. Just need a lower payment til XXXX gets XXXX. We 've given all the info to phh. We 've also had several loan managers and they dont return calls like the supervisors and reps. 

XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: In XXXX 2014, A divorce decree was signed for my ex and I on grounds of adultery by him. The settlement gave ex the home in Illinois, and he was supposed to remove my name off the home/loan. I sent a copy of this decree to the mortgage company requesting my name be removed off the VA Loan which my ex is the VA loan holder. I have not lived in the home since 2014. I 've signed a quit claim deed for the property to allow him to refinance or remove me from the financial obligation but he did NOT refinanced and the home is NOW in FORECLOSURE. I have a job where my credit must remain intact. I 've contacted XXXX XXXX AGAIN to no avail. I want to buy a home and keep my job and need help removing this blemish off 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 08-10-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing concerning my experience with Capital One Bank. Theres concerning marks reporting derogatory in my credit files that I would like to have removed. This account was fraudulently opened in my name. I have contacted this company on several occasions with no return notice of acknowledgement. I received my credit report profile from the 3 major reporting credit agencies today on XX/XX/XXXX. Unfortunately, Im showing a credit card account that was opened in XX/XX/XXXX and charged off in XX/XX/XXXX. I am asking that this be deleted from my credit profile as this account does not belong to me. I have a Police Report, a Federal Trade Commission Identify Theft Report and a screenshot of the listing on my report. Ive made several attempts to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi There, I 've received 3 letters from a " Credit Protection Association L.P. '' about a Collection Notice. I believe this to be fraudulent because I have never been late on any of my bills, it does not reference for whom they 're collecting this debt and I attempted to call to get more information and the only options via their phone number were to pay the debt. There was no option to dispute, speak to a representative, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with Resurgence Legal Group, PC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX a judgment was made to garnish my wage from work. they said I owed XXXX dollars from a collection from XXXX to XXXX. I called the lawyers that sued me and they said it was a past credit debt. I advised this was not my debt. the court still had my check garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My XXXX and Transunion reports are saying that I am utilizing over half of the available credit I have, because they are reporting that two of my cards that have a XXXX balance, still have the balance prior to my paying them. What 's odd is that right after I paid these two cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.

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 09-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I am being constantly harassed and threatened. I often receive numerous phone calls and/or texts in one day. I 've told them to stop. I am enrolled and my loans are in good standing. I 've changed my number 7-8 times because of stalking but I keep getting contacted about student loans on the new numbers. Frequently they use spoofed numbers that are similar to mine. 
I am a good student and my loans are in good standing. 
They are harassing me anyway. I 've had people follow me into restaurants and say threatening things in my earshot. 
They are using illegal means to get my new number which is supposed to be private for my personal physical safety because of the stalker.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: When setting up the account I was told I would be able to pay it off in full at {$520.00}. I agreed thinking it was be the {$520.00} split up in payments -- AFTER I AGREED TO EVERYTHING THEN THEY SEND ME MY REPAYMENT SCHEDULE!!!! AFTER! I see they have an interest rate of XXXX %! I did not realize I was going to repay {$1900.00} on a {$350.00} loan. To date I have paid {$700.00} on this account. I did communicate with them via email regarding paying it off in XX/XX/XXXX or so but the math was n't adding up until now. The repayment schedule I did n't really understand, either. I am a single mother who gets no child support and works XXXX hours a week and CAN NOT DO THIS. I feel so stupid for falling for this -- PLEASE HELP ME! I get no government assistance I need help. XXXX is the name. I know they are XXXX XXXX related but on XXXX of XXXX XXXX XXXX XXXX XXXX ruled that the FTC Act " grants the FTC XXXX to regulate arms of XXXX tribes, their employees, and their contractors. '' specifically regarding deceptive payday lenders hiding behind a tribal affiliation. '' I need help into completely closing this account as of now as paid in full. I will gladly accept just close it -- no refunds, my mistake and I 'll take it as a lesson learned. Red Rock Tribal Lending, XXXX XXXX XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (VA mortgage) with SIERRA PACIFIC MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Hello, I have a mortgage with Sierra Pacific mortgage company.   On  XXXX    XXXX   I have received my annual tax and interest statement for {$9700.00} and I filled my  XXXX  tax return based on the above statement, than last month I received a revised statement for {$10000.00}. I contacted the company who prepared my tax returns and they advised me to amend my return and the amendment cost me {$150.00}, I emaile d Sierra Pacific for th e cost but they rejected my request.   On  XXXX / XXXX /  XXXX   I sent them another email but so for they haven`t respondent.   I hope CFPB solve the matter for me.   Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I transferred my federal loans from XXXX to XXXX XXXX, so that I could be apart of the Public Service Loan Forgiveness Program ( PSLF ). Under my older servicer, I made payments that would count for PSLF. XXXX was supposed to look at my account history from my older servicer to current and calculate the number of payments that I had already made that counted toward PSLF. Months after I transfered my loans, XXXX notified me that none of my payments that I had previously made counted, and that I had no payments toward PSLF except for the two I had made to XXXX. I called my old servicer and asked for my loan history and they showed that I had made payments for the past 6 years, and they said that those payments should qualify because I was in the proper payment plan and paid on time. I have tried to work with XXXX and a customer rep said they had actually not looked at all my account and she added a note asking that they finish and that they would be back to me by end of XXXX. It is XXXX and there is no change and Fedloans is not working with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (WI).
Issue: Managing the loan or lease

Complaint: I purchased furniture on an in-store loan from XXXX XX/XX/XXXX. The loan was serviced by TD Bank. I made monthly payments on time each month using ACH transfers made via phone payment authorizations. TD bank even gave me payment confirmation numbers at the end of the phone calls. I kept confirmation numbers from these payments on an electronic media device that has since been destroyed. XX/XX/XXXX, TD bank initiated transfers to make the payments, but those ACH transfers never cleared and TD Bank never informed me of this. Now, I am XXXX months delinquent on this loan, and it appears on my credit report as a negative account. TD bank never notified me or my bank that there were issues with the phone payments as of XXXX XX/XX/XXXX when I discussed this issue with TD Bank XX/XX/XXXX, they said they had no records of me initiating payments in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Inaccurate Consumer Statement : " Your TransUnion credit report contains the following Consumer Statement. 
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. THESE NEGATIVE ACCOUNTS ARE NOT MY OWN. I DO NOT HAVE A MIDDLE 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 non-monetary relief
Consumer complaint received 12-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Convenience checks

Complaint: On my American Express credit card ending with XXXX, there was a credit balance ( due to refund of earlier spending ) of {$180.00}. On XX/XX/2016 ( as shown in the statement ), Amex sent me a check of the amount of {$180.00}, without my request. I deposit this check to my XXXX saving account ( ending with XXXX ) on XX/XX/2016. On XX/XX/2016, XXXX notified me that the check was returned by American Express ( Reason : Refer to maker ), and I have to contact check issuer ( American Express in this case ). There was a fine of {$12.00} due the returned check by XXXX. 
I started to contact Amex. I talked to XXXX Amex presentative and escalated to a supervisor on around XX/XX/2016 and the supervisor promised me that Amex will send me a new check after investigation. 
On XX/XX/2016, I received an Amex account online notification stating " Our investigation shows that the check was paid on XX/XX/2016 '' and I have to call Amex immediately. I called Amex again and talked to supervisor XXXX ( Amex employee # XXXX ). XXXX promised me Amex will credit {$180.00} to my credit card account as the solution within 2 days. 3 days later ( XX/XX/2016 ), instead of receiving the credit, I received second Amex online notification which is exact the same as the first notification ( the check has been paid ). I called Amex and talked to the third supervisor XXXX. XXXX promised again will issue me the credit after internal investigation within 7 days and will call me regarding the investigation result. However I did not receive any call and did not see the credit either. Instead, on XX/XX/2016 I received the XXXX Amex notification saying that the check has been paid. I talked to the XXXX Amex supervisor XXXX ( Amex employee # XXXX ) and XXXX request me to send the documents ( XXXX account activity and returned check image on XXXX ). I faxed the documents to Amex fax number XXXX. 
On XX/XX/2016, I initiated a 3-way conversation with XXXX and Amex ( My earlier request to have a XXXX way conversation was declined by Amex supervisors, as they promised it is not necessary ). This time I talked to XXXX Supervisor XXXX XXXX and Amex Supervisor XXXX ( Amex XXXX # XXXX ) at the same time. XXXX insisted the check was returned, and Amex insisted the check was paid. At the end XXXX supervisor XXXX said she opened an urgent case with XXXX ( case # XXXX ), and a special team member with call me on XX/XX/2016. Amex supervisor XXXX said he reopened previously closed case ( case # XXXX ) for further investigation and will also call me on XX/XX/2016. 
On XX/XX/2016, I did not receive phone call regarding the status from either XXXX or American Express. 
During the process I spent more than 3 hours with Amex and XXXX ( talked to XXXX Amex supervisors and XXXX XXXX Supervisor ), and still did not see any solution or even received the promised status phone calls. 
Amex case # XXXX XXXX case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with Collins & Hilton Asset Group, LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there are XXXX names and identification numbers associated with my credit have never lived in these XXXX addressed below XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ID # 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 06/29/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a writ of garnishment from my employer. It states I owe {$16000.00}. I have received nothing from ASSET ACCEPTANCE , LLC about any of this. I have changed my address many times over the passed XXXX years and to the best of my knowledge was never made aware of any of this debt. I pulled up the registry of actions on this at the XXXX XXXX XXXX district court and I see I 've been taken to court and did n't show. I knew nothing about this, It claims I was served by certified mail. I would like to see the verification on this and the entire account. I also would like an Itemization of the charges accrued, the original agreement and any and all times this debt was sold or bought. If this information can be provided and proof that I do in fact owe this, then I would be interested in settling this debt. However until that happens I will be taking all actions to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.

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