milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: Hello, This is regarding an incorrect late mark on my credit report by Macy 's. Macy 's removed my auto pay set up with out my consent. I received a call from them a month later stating that I had a late payment for XXXX 2014. I talked with the rep and we did digging to find out why the auto pay got cancelled and she confirmed that Macy 's canceled it on their end. She mentioned that the auto pay got cancelled because my minimum for prior months was XXXX ( of course because I did not use it those prior months ). The minimum payment should have been documented as XXXX ; not the cancellation of my auto-pay. The rep agreed and removed the late fee that resulted from this error ( see the XX/XX/2014 attachment ) and took the payment from me. I reviewed my credit this XXXX and found the late mark from Macy 's still on there despite the fact that this should have been resolved last year. I have contacted Macy 's several times regarding this and they have been very rude and. I then proceeded to dispute this information. The first time I only had a description of the issue on the dispute and they responded " current and 30 day late payment ''. This was not my fault and was an error on their end. I then disputed once again and called the credit bureau to see if there was any way to send attachments as proof. They let me do that. Macy 's did not look at this information and responded to the dispute with a " " blank space. No comment, no explanation, no nothing. I have attached these documents and decided to file a complaint on them. Their approach is completely inappropriate and their negligence to review all supporting documentation that came with the dispute is unacceptable and leads me to believe that they are not willing to take responsibility of their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Comenity Capital Bank has filed fraudulent information on my credit report which showed up on XXXX. XXXX has been notified and a dispute filed on XX/XX/XXXX. They reported on XX/XX/XXXX a " new bankruptcy-Comenity Bank/XXXX '' This account was paid on XX/XX/XXXX and included in a bankrupty filing back in XX/XX/XXXX. Upon reviewing my XXXX XXXX report, Comenity 's falsifying information and reporting actions to XXXX resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of XXXX and Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I registered with Experian to lock my credit report after publication of the Equifax data leak. I did not sign up for credit monitoring service. A month later I noticed a {$22.00} charge on my credit card from Experian for monthly credit monitoring. When I called to ask them about the charge, I was on hold for XXXX minutes. After getting through to a customer service representative and explaining my issue, I was placed on hold again for about XXXX minutes after which the call was terminated on their end. I called again and had a similar experience. This is clearly a dishonest scheme to trick people into signing up, or fraudulently sign up people, for their credit monitoring system and then making it difficult, if not impossible, to reach anyone to dispute the charges.

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 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like to file a complaint against TransUnion for not following the rules of the FCRA, specifically section 611 ( 5 ) ( A ). Here are the details which my complaint is based upon. Last year I noticed that TransUnion was reporting items on my credit report which I did not recognize, or have any previous knowledge of. I notified them ( see attachment " TransUnion '' ) of this error and asked that they remove the items. They claimed to have " investigated and verified '' the accounts and permitted them to remain on my report. In XX/XX/XXXX, I notified the companies reporting the misinformation to TransUnion ( see attachments " XXXX XXXX '' and " XXXX '' ) and informed them that they were reporting erroneous information and to correct their records. I asked that they provide me with some verifiable evidence of my indebtedness to them ( signed, executed contract, application or agreement ) They failed to do so. It 's now way past the 30 day allowable timeframe for them to provide me with requested documentation. I have since asked TransUnion to re-investigate these accounts, via their online dispute system, and they continue to report these erroneous, invalid accounts on my credit file. As a result, I feel that I have been harmed, emotionally and financially and ask that you assist in resolving this manner 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 07/31/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have tried several different attempt to send Midland Funding LLC letters to proof the debt with no success but today I got aeeter from a lawyer stating that they are suing me with a case number! This is the same debt another company has been trying to collect that was collect by garnishment of my checking account in 2006 which at that time was a false collection from a XXXX XXXX card that I had paid in full years before. I know this debt is to old to collect first of all it 's not on my credit report second it 's in May maiden name and I have been married over 14 years. I am hoping you guys can get me the info I need to fight this. I find this ridiculous and i know they think I 'm gon na lay down and take it and I am not!!!! This company Midland Funding is known for its fraudulent activity and was just recently caught for illegal tactics in Georgia. I have literally been fighting them for 5 years and like I said before they have NEVER once sent me the info I requested to verify the debt

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I leased a new Mazda 3 from XXXX XXXX, financed by Chase Bank. I made payments on time, paid off the lease a few days early, and leased a new Mazda 3 with the same companies. When I was setting up the automatic payments with my credit union, I made an extra payment because I was n't sure that the set up would be working in time for my next payment. It was, and now Chase Bank will not return this extra payment. The payment amount is {$240.00}. The listing of payments provided by XXXX, shows that I made XXXX payments and it shows the residual payoff to be less by that amount, so XXXX either kept my payment or passed it on to XXXX XXXX when they sold them the car for resale. Additionally, both companies " dinged '' my credit report resulting in a point loss, despite my having done business with both of them in an exemplary manner for three years. Very unfair actions!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing XXXX accounts : XXXX & XXXX and XXXX for over XXXX months and have n't received any fair help. The job of the credit agencies is to report only XXXX % factual and verified data. 

I have contacted both companies and informed them of my intent to sue if they do not remove these accounts. 
XXXX does n't belong to me at all, they have the account under a males name ( XXXX ) which is n't me, they wont provide me any documentation, no nothing pertaining to this account so why do they have the right to list it on my credit report and harm me?! 
XXXX has not validated the debt after me sending several debt validation letters, they wont provide me their license number to see if they are even legally able to do business in my state, and they too wont abide by the FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 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: Experian is reporting specific information on my report that is wrong. I have notified them of these items and they have not resolved or corrected any of them. Under the negative items, the XXXX XXXX they are repeating does n't or belong to me and is a fraudulent account. I need this removed from my credit file. Under the accounts section they are reporting a XXXX XXXX XXXX XXXX card card as closed when in fact it is open and being paid on time. I have notified the, of this error for now numerous months and the fraudulent account for over two years now. Then they have several inquiries I did not authorize and would like removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Experian on XX/XX/XXXX with assistance in investigating and removing unauthorized credit inquiries. The customer service representative refused to help. 
Here are the inquiries on my Experian report that are unauthorized : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX/ XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This complaint is not duplicate!! This complaint is not duplicate!! 

I have XXXX XXXX leading & finance for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Was in a income based repayment plan. Submitted my yearly application for repayment plan with paystub and they " guessed '' my annual gross. Increased my payment by {$140.00}. Called and complained numerous times that my income ( that they guessed ) was not correct and that the amount they wanted was not accurate for the Income based plan. They repeatedly told me they would look into it and correct it and in the mean time they would put into forbearance. Now a year later they are saying I 'm delinquent and sent to credit bureau even though I did n't owe that amount according to their income formula.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

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 06/13/2015 about Debt collection (Medical) with Credit Service, Inc (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i am a XXXX veteran so i dont need this nonsense from the csi group. and i never trusted sneaky shady uneducated debt collectors who take advantage of those who less fortunate to make a living wage in the united states. my services were provided by medical doctors at the XXXX clinic so i wish they would have dealt with me directly and stayed in contact with me so i could have paid them off in monthly installments till paid in full. i do n't think we needed to involve low life debt collectors they do not have a XXXX from a XXXX so they are not educated enough to understand how working with the company directly is the BEST option ... 

XXXX and possibly other credit reporting bureaus are stating i owe {$380.00} to csi group and the XXXX clinic. but i called csi and a woman named XXXX verified my balance was XXXX from back in the year 2012. you must not really understand XXXX and be behind the curveball. XXXX says they report directly from XXXX so XXXX is stating this debt is not settled in full and had a balance of {$380.00}. so i want you to all re-contact all XXXX credit bureaus : XXXX, XXXX, and XXXX and XXXX check my balance shows paid in full year 2012 and has a XXXX balance again in year 2012. and i want this cleared up and done for all XXXX credit bureaus because if XXXX bureau picks this up then eventually the other bureaus will pick it up. per XXXX phone call with me, i also want a letter from you all stating this debt had been paid back in year 2012. i will also be contacting the consumer financial protection bureau ...

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Advised to consolidate my loans with my parent loans for better payment plan. 
They paid my XXXX XXXX even though it was specified to be excluded as it was free for1800.00 for XXXX. 
Called servicer when i was notified they paid XXXX and told too late too bad nothing I could do. 
After consolidation, turns out now I have unqualified loans and now I can not get better pay plans. 
Placed all in forbearance as could not affordXX/XX/XXXX sent IBR application, debt breakdown and taxes for self and spouse with taxes for payment plan After acknowledging receipt, XXXX advised too old and missing documents, but none were ever requested. 
XXXX Reapplied IBR Spouse and self and payments were now 40 % of our household income. 
CalledXX/XX/XXXXadvised by servicer that I needed to complete another IBR which was doneXX/XX/XXXX and told I need to fill out form to take out of deferment. They would mail form ( form came XX/XX/XXXX ) and told they see the mistake that my spouses loans were not considered when paymnet was calculated and she would send for evaluation. 
Called XX/XX/XXXXfollow up on evaluation and told that servicer no longer automatically calculates payments with spouse even when box is checked because too many people check in error. Advised that we would need to each fax in a letter requesting our accounts be reviewed together. Also this staffer was able to end deferment without a form. 
Bill Came XX/XX/XXXX again wanting 35.5 % of our household income for my spouse and I. 
his dropped from XXXX to XXXX mine is XXXX due in 14 days from notification giving us a total of XXXX due on our ICR plan. 
As of XXXX/XXXX/XXXX no word on if our faxed letters were ever received or being processed. 
Letter came XX/XX/XXXX explaining how they calculate ICR : XXXX or amount repaid annually over 12 years under standard plan multiplied by income % factor with XXXX divided by 12 or 20 % AGI - 100 % of poverty level which the calculate as XXXX however, we calculate jointly as XXXX total. 
We want to pay these loans, but need something we can afford. 
My husband and I work 2 jobs each and if we work a third job each next year the payment will just be higher so we are really stuck. 
We have consistently been provided with bad advice, wrong information, delays in processing which continues to grow interest debt, loans erroneously added to consolidation that was to be left out and inconsistent payment plans by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've disputed 5 times already with TransUnion and 5 times I have received nothing but a piece of paper telling me that these types of accounts stay on for 7-10 years. I have proven each time that this information is not correct and I do n't understand how they can keep this inaccurate information on here. I have not hired a lawyer and have also gotten the attorney general of CA involved. I have the actual petition in front of me why states the accurate information which does NOT reflect the information on my credit report. 

This is my dispute from my letter and you will also find the public records page from my credit report and my letter attached : Us bankruptcy XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct US BANKRUPTCY COURT is not listed completely : you MUST list the city and the state for this to be accurate which means that you do n't even know where this is out of! 
There 's no liability amount listed You have no liability amount You have no plaintiff listed

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 08/31/2016 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: The issue is with Credit Karma. They are a 3rd party agency that gives out false information determines there own factors in credit scores and misrepresent the true score. My credit score changes with them almost daily and goes down even though there is no movement or nothing has changed on my credit report. These kinds of site should be put out of business for reporting false information and leading people to believe what they are reporting is true and accurate when it is not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation