Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Complaint sub-issue: Personal information incorrect

My legal name has always been XXXX XXXX XXXX. I have submitted documentation over for this to be corrected and it has not.
Complaint sub-issue: Account status incorrect

I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX  failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.
Complaint sub-issue: Transaction was not authorized

My TCF debit card was hacked on XXXX XXXX. I called on XXXX XXXX to dispute the charges. I answered the same questions 3 times, asked for my card, my husband 's card, and my daughter 's card to all be shut off, and got a police report. On XXXX XXXX I received a fraud alert on my phone that more charges had been made. I called the number on the text message and was told that since the charges happened on my husband 's card, they could not talk to me. I asked why they were continuing to allow charges to be made to an account that was now XXXX overdrawn, and they refused to speak to me. My husband called one hour later and answered all the same questions I had answered and asked that our cards be closed and the account closed in full. Since these phone calls have been made, TCF has continued to charge us overdraft fees ( 5 fees of XXXX dollars each ) and they authorized yet another fraudulent charge yesterday, XXXX XXXX. I have been on hold for 30 minutes today trying to address the matter.
Complaint sub-issue: Company closed your account

I got a letter stating all your Citi credit cards are closed. The reason was, too many hard inquiries. I called in on XX/XX/2018 at XXXX spoke to XXXX ID # XXXX asking why my accounts were closed she transferred my call because a different department handles that. XXXX from XXXX Call Center answered I said I do not have too many hard inquiries so the representative pulled a credit report and said she does not see anything wrong with my account and i did not have any negative relationship with Citi Bank since i have been a member and she will put in a request to open my account. On XX/XX/2018 at XXXX XXXX  I called in again because my accounts were not opened. I spoke with XXXX  ID # XXXX. She said she will put the request back to open my accounts and i will receive a reinstatement in 5-7 business days. She also pulled a credit report and stated she did not see anything wrong with the credit report. I followed up on XX/XX/2018 at XXXX XXXX  spoke to XXXX she stated the request is still in process and will send an email to the department that handles it so they make a decision. On XX/XX/2018 at XXXX XXXX  i spoke with XXXX from credit department ID # XXXX and she stated they will not open my credit cards because of too many opened accounts ( which is not true I will attach my credit report. In my credit report you will see there was only one credit card opened in the last 3 years ). I have opened a business so I applied for few business credit cards to build my business credit. One is XXXX XXXX which is showing on my personal credit report and one is from Citi Bank because I have been a member for 13 years and I considered it my favorite bank. Citi bank does not show the business credit card on my personal credit report.
Complaint sub-issue: Account status incorrect

There is a hard inquiry on my credit report from XXXX XXXX XXXX in XX/XX/2018 that should be removed. I have not signed up for telephone service and dont have an account with the company. 
I have disputed the inquiry but it has not been removed from my credit report.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX XXXX XXXX   ) to correct my record by putting all of my additional payments toward the principal balance. I was told that this practice is supposed to be automatic. Since I signed up for paperless billing, I checked regularly on my borrower 's portal and I use the portal to access my loans information. XXXX XXXX also uses the same portal to communicate with me. On XXXX, because I haven't heard back from XXXX XXXX, I logged in to my account and sent an email directly to XXXX XXXX  to address my concern of 1 ) not receiving any response, 2 ) inaccurate payment allocation practice. Then, on XX/XX/XXXX, I noticed that XXXX XXXX had blocked me from accessing my own account. Still today, I have not been able to review my loan information.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Information belongs to someone else

Equiafax was compromised and now my credit score has dropped drastically within a day I tried to get help but I have to pay for them to now protect me even though the negligence has already impacted me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have sent numerous times and semt them certified mail which allows me to see that they get my items. I sent one packet signed and dated last XX/XX/XXXX then they said they didnt get my items and i resent in XX/XX/XXXX and they still have refused to acknowledge they have gotten my items. Not only do i have a mortgage, but i have XXXX kids, a car note and my wife has lost her job. I dont know where or how they expect me to pay XXXX a month. I keep reapplying for loans and no one helps. Talking to them on the phone, im only wasting my time because they tell me to just send in everything i already have sent.
Complaint sub-issue: Frequent or repeated calls

I am receiving repeated phone calls ( now daily ) from various XXXX XXXX telephone numbers. I know them to be a debt collector, yet I have no outstanding debts. Calls received from : ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX  on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 Those are just the most recent calls.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I purchased a US Bank XXXX prepaid card at a local grocery store on XX/XX/XXXX. Days later, when I tried to use the card, my transactions were getting declined. I went online to check the card status and its balance to make sure it was activated correctly and saw there were several unauthorized charges on the card already ( without my knowledge ). I immediately called US Bank customer service number on the back of the card ( XXXX ) to file and report and dispute the charges. I was asked to faxed in the following information : front & back of the card, my first and last name, my address, and my phone number. I included those info plus the purchase receipt as well as my photo ID and faxed them to ( XXXX ) XXXX as requested. The card was immediately locked and no further use was allowed. Afterward, I did not hear back from US Bank on when would I receive a resolution to the issue nor when I would receive a replacement card as promised by the phone representative. Several months later, on XX/XX/XXXX, I called US Bank customer service number again to inquire about the case. The customer representative at this time told me that they did not get a response from me so they closed the case. For the record, I was not contacted by US Bank either by phone or by mail even once after my faxing of the requested documents above. Then I was instructed to fax my info again to a different fax number ( XXXX ) XXXX, the Lost and Replacement Department I believe. I promptly did so on the same day. However, about a week later, I received a voice mail coming from US Bank saying that I'm not eligible for a replacement with no clear reason given. To date, more than 4 months after my purchase of the product, I still can't use it and I'm out of the original purchase price.
Complaint sub-issue: No notice of investigation status/result

I contacted Equifax after receiving documentation from XXXX XXXX XXXX that they have removed their listing from my credit file after their investigation. The XXXX listing has been removed from XXXX and XXXX. Equifax is the only credit bureau reporting the old XXXX listing. XXXX XXXX XXXX is the owner of the XXXX Account. I contacted Equifax and advised them of this and provided documentation and requested that the XXXX account be removed from my credit file. When XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. The date reported is not what is disputed and when the company sold the account they sold their rights to update it. I then spoke with the Fraud department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX XXXX but they have not removed XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing. This account is too old.
Complaint sub-issue: Information belongs to someone else

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME PLEASE REMOVE THEM XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.
Complaint sub-issue: Can't decrease my monthly payments

My hours were reduced at work last year, so I requested a graduated loan repayment option. My job was recently terminated, so I could not afford the graduated payment amounts. The loan holder insists they can not provide me with any other options to reduce my monthly payments, as private loans do n't qualify for the IBR program ( as do federal loans ) ; and they ca n't purchase student loans, so they ca n't refinance or consolidate the loans.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX I XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX OHIO XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate
Complaint sub-issue: Account status incorrect

equilfax information servicesLLC is showing incorrect and false information on my report for XXXX XXXX XXXX XXXX credit card # XXXX as charged off / closed by credit grantor / unpaid balance.. this has been paid on time
Complaint sub-issue: Problem with fees

Step 2 : What type of problem are you having? 
My due date is XXXX of XXXX my payment due is under {$30.00} I made a payment on XX/XX/XXXX for {$80.00} after being told by a best buy representative that the payment of {$150.00} was processed on XX/XX/XXXX but the payment of {$27.00} was due for XX/XX/XXXX. 

Step 3 : What happened? 

Upon calling the automated system XXXX I saw that a payment was still due for XX/XX/XXXX I called a rep of Citi cards that inforned me that the statement hadnt fallen when I made the XX/XX/XXXX payment and she would not be able to fix the system so that I wouldnt get a late fee. Upon speaking with a supervisor which very rudely explained that the new statement drops on XX/XX/XXXX but was unable to provide any understanding as to how the rep saw the statement/payment due before the statement dropped and very rudely herself pushed me to make a payment one day before it cycled as due. When I asked about the XXXX payment and why it hadnt gone toward XXXX, she answered in a very curt tone saying she knows nothing about how payments are accessed. I would need to call Citi bank Step 4 : What company is this complaint about? 
Best Buy/Citi bank
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 

Fraudulent Accounts XXXX XXXX XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA.
Complaint sub-issue: Don't agree with the fees charged

I have been in school and filled my in-school deferment forms each semester. Every time, AESXXXX bank rejects my forms many times until they decide to accept them. 

I have paid $ XXXX of my loans as a student, using student loans. 

This time, the semester is almost over. They are still calling my account XXXX  XXXX days past due. They are reporting to credit reporting agencies, as well as my cosigners agencies. They are threatening me with full repayment and losing my options. They are harassing me and my cosigner ( my grandmother, in a XXXX XXXX  ). 

I have called every week, spoken to customer service representatives weekly,
Complaint sub-issue: Account information incorrect

Dear Consumer Financial Protection Bureau, CFPB ( COMPLAINTS : XXXX-XXXX, FILED XX/XX/XXXX-THURSDAY, AND XXXX-XXXX, FILED XX/XX/XXXX-MONDAY ) I AM PROVIDING THE REQUESTED XXXX XXXX  STATEMENT VERIFYING THE XXXX CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XX/XX/XXXX-XX/XX/XXXX confirm the account was not frozen. More important, XXXX XXXX   does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY XXXX   ACCOUNTS ( XXXX XXXX ACCOUNT CLOSED XX/XX/XXXX-thursday, XXXX checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO XXXX XXXX AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX  HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from Ms. XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting XXXX XXXX STATEMENTS DOCUMENTING THE XXXX XXXX   CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2.XXXX  XXXX 3.XXXX  XXXX 4.XXXX/XXXX  XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT
Complaint sub-issue: Problem with customer service

I submitted my completed and signed XXXX form over 3 months ago. I have yet to recieve any information about it being processed or received. I've called Mohela everyday for the past XXXX weeks. I can not get a person on the line. Yesterday I was on hold for XXXX minutes and then was hung up on before I can talk to anyone. I just want to know what I need to do before the XX/XX/XXXX deadline. Do I need to resubmit? Do I need to wait? Nobody will answer the phone. Absolutely horrible
Complaint sub-issue: Debt was paid

This is not correct information, I gave enough notice and paid in full prior to moving out.