Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, I actually review CFPB complaints for a large mortgage company so I will make this concise. Recently I decided to look into financing/purchasing a rental property. Upon checking my credit score ( as one does during this sort of process ) I noticed that My Equifax score is dramatically lower than all other reporting agencies. I will upload a pdf labeled CFPB 1 showing a roughly XXXX point difference between Equifax and the other reporting agencies. When i looked into what had caused the decline of the Equifax score the issue got even more confusing. As item labeled CFPB2 shows, Equifax is reporting that the reason for the decline in my credit score with them is due to me paying down a balance I have on a credit card by a conservative amount of only {$100.00}. How is my credit score decreased due to myself making a payment towards my balance?! is Equifax trying to make people crazy? Lastly, when you call Equifax you can never get a person that can speak English or understand it for that matter. Is that even legal?
Complaint sub-issue: Reporting company used your report improperly

I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 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: Debt is not yours

This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear on your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.. Case number XXXX XXXX XXXX and XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Was not notified of investigation status or results

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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 XXXX
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2018 I spoke with XXXX XXXX XXXX in regards to a collection account they were handling for XXXX XXXX. The representative said they would accept {$220.00} as payment in full, I paid the {$220.00} over the phone and it has been taken from my account. They are still reporting that I owe the remaining balance of {$110.00} to all 3 credit bureaus and will not report this as paid in full.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I WAS CHARGED FOR SEVERAL THINGS ON MY ACCOUNT THAT I DID NOT AUTHORIZE AND I HAVE NEVER DONE BUSINESS WITH THESE SAID COMPANIES. I CONTACTED XXXX XXXX WHEN I SEEN THESE TRANSACTIONS ON MY STATEMENTS AND THEY DID NOTHING FOR ME. I REPORTED FRAUD TO THEM BUT I NEVER RECIEVED THE CREDIT ON THEM. I WILL LIST ALL CHARGES ; XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX  XXXX XXXX XXXX-XXXX ALL ON XXXX XXXX OLD NUMBER XXXX NEW XXXX XXXX NUMBER-XXXX PLEASE HELP ME GET MY MONEY BACK. IM A SENIOR CITIZEN AND THIS IS SENIOR CITIZEN ABUSE.
Complaint sub-issue: Old information reappears or never goes away

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$9100.00}
Complaint sub-issue: Confusing or misleading advertising about the card

Since XX/XX/2019 I have been going back and forth with the credit card company ( global cash card ) because I called them and I told them I wanted to get my tax refunds loaded to my card I already filed and I had put that information down on my taxes. well they tell me that I have to send them a copy of my ID ( drivers license and my social security card so I do that and then I called back the following day because they told me it only takes 24 hours and now they are telling me that they're denying my case because my ID has my married name and my social security card my has my maiden name. well on XX/XX/XXXX I had went to Social Security office and got my name legally changed and I had to wait for it in the mail an when I was on the phone with them i told them it could take up to 2 weeks before I can give you my updated social security card because i was waiting for it to come in the mail. Now i recieved my card 3 days ago and i called them when i recieved it an they made me send them a pic of my new card with the updated info on it plus the paper from ss stating i did change my name. Now when i call to get a update they tell me i have to resend my information again ive sent them my info at least 10 plus times an they wont fix my account to where my refund can be direct deposited. An when i call now they say nothings been updated an hang up on me everytime now. Im scared i wont get my refund because they keep ignoring me an wont fix my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

Equifax recently announced a massive data breach. I have used the website they set up to confirm my information was compromised. They have not provided me written notification that my information was compromised, and have not provided details on exactly what information of mine was compromised. 

By failing to personally notify my of which data of mine they compromised they are placing the investigative burden on me. They are making me responsible for finding out if they compromised my information. 

Once I determined that some of my information had been compromised ( but not details of which information ), the only recourse they offer is one year of " free '' credit monitoring by their service. They are leveraging the problem they created to benefit their business. While they may not have created the situation, it has the appearance of a shakedown scheme. 

The risks Equifax has exposed me to are serious. Their response has been anything but. They have failed to provide adequate notification to those they placed at risk and failed to assume responsibility for placing them at risk. I consider this especially egregious since I do not have a consumer relationship of any sort with Equifax ; they store my information for the benefit of themselves and their customers, yet it is me currently facing the risks of their negligence.
Complaint sub-issue: Investigation took more than 30 days

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Problem with fees

Citi / AAdvantage Platinum Select World EliteTM MasterCard I have several issues with this card that started before the corona virus but now the main issues is I cant not reach anyone in customer service. I have called for days and wait on hold for 3+ hours and no one answers the calls. I have reached out via XXXX messenger and was told someone would call me and no one has called. I have also tried to reach someone via chat and that is not working either. This is the message I got on XXXX  and NO ONE HAS CONTACTED ME!!! >> " Hi XXXX, thank you for contact info. We are escalating to our Executive Response Unit. Please note that it may take at least 2 business days for our request to be received. In light of recent events this time frame may be a little longer. We appreciate your patience and understanding while we work to have your concerns addressed. ^XXXX  '' I am sick of this and the virus is no excuse because XXXX XXXX answers calls.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Consistently tried to get a Income Redriven payment plan. But was not allowed to.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/19 I made a made a mobile deposit of {$3000.00} in my Bank of the West checking account from my XXXX XXXX checking account. According to XXXX XXXX the check cleared the next day. Bank of the West put a hold on the check for 10 days. When asked why I was told because it was a mobile deposit. On the mobile app it only says in vague terms that deposits could be subject to hold. It doesnt give dollar amounts of deposits that could be subject to hold, or the number of days the hold could be for. Customer service was unhelpful in explaining why the hold was in place and how it could be removed. They kept rerouting to other areas, all equally unhelpful. Finally I went into a branch, where at first I was told all they could do was give me another number to call. When I protested that that was what I had been told multiple times, a branch employee called XXXX XXXX to confirm the check had cleared and the hold was released. Why did it take me having to go to the branch for this call to happen? This took a week of getting the run around from unhelpful employees and there was no notice this would happen. The app says funds are available in 2 days, but there may be a delay. This is deceptive and abusive. This arbitrary hold caused me not to have access to my money and caused undue hardship with no explanation why.
Complaint sub-issue: Problem with rewards from credit card

Cant redeem the rewards cash into my bank account. 
But the same account is there to make the payment When I called discover at around XXXX XXXX to XXXX XXXX central timeafter a wait of 13+ minutes XXXX told me that I need to first make a minimum payment from that bank account to this credit card then only I will be able to redeem to this bank account. 
I told her that this card is at least 5+ yrs old and I am using the same bank account for around XXXX years so whats the problem all of a sudden? 

Have you sent any communication or card member agreement or FYI to the customer regarding this issue? 
Her answer customer will call us in case of any issue This is ridiculous. 
This discover was providing chat in the past new messaging system is ridiculous. 
They have taken away secure message center also Day by day Discovers standards are going down. 

And more over I have two credit cards with discover I have always used the same bank account with the other card which was more active. 
XXXX told me that we can do it over the phonewhen I wanted to do it over the phoneshe said I need to first pay the minimum balance first in order to redeem it. 

During this pandemic - this credit card company is treating the customer so badly. 
For this - this discover is getting XXXX XXXX customer satisfaction rewards or they are just bribing them to get this reward.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Information is not mine

Who may concern.. 
Hi..I have more than XXXX CREDIT INQUIRES ON MY CREDIT REPORT! I 'm going crazy! I 'm a single mother of XXXX boys ... I have XXXX XXXX! And this CREDIT INQUIRES ON MY CREDIT REPORT, ARE KILLING ME! I ca n't even rent a Apartment for me and my kids!!!!! I need your help! Please help me?? 
Thank you for your time and support
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against XXXX XXXX XXXX XXXX and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I used my Citibank MasterCard to purchase a ticket on XXXX airlines on XX/XX/2020. In late XXXX, they cancelled the flight and they provided me with an email assuring that they would refund the fare. They did not. I filed a billing dispute with Citibank. Under the fair credit billing act, a charge for a service not rendered is an invalid charge and is mandated to be refunded. Citibank contends it is an honor system and that they can not reverse the charge. They can only ask to airline to refund. The airline refused their request, despite my providing the written email from the airline assuring a refund. Citibank says I need to sue the airline, which is impossible because they are overseas. The amount is {$100.00}.
Complaint sub-issue: Information belongs to someone else

I was looking at my credit for the first first time in 5 years and I found fraudulent accounts on my credit report. I am a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I have talked to the bank and they agreed to REPAIR the account in my file. So what's happening there at Equifax? If Equifax failed to comply with the condition and continues the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX XXXX  XXXX
Complaint sub-issue: Debt is not yours

I have disputed previously disputed with a different collection agency. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. The account was account removed. The account is now with a new collection agency. The account was placed back on my credit report.. This is NOT my account. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the collection company should not place this account back on my credit report since I previously disputed it, won my dispute and the account was removed. Account number XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a call from pnc XXXX XXXX on XX/XX/XXXX roughly asking me if I had made a charge to XXXX for {$980.00} and I immediately responded stating I didnt authorize or Make this charge and I then was escalated to a associate who waited while I searched for my card and realized it was gone. He cancelled it snd issued me a new card but said I couldnt it proceed with disputing this transaction until it posts. Which was insane to me, whats purpose of the fraud phone call If it doesnt stop the charge in first place? Mind u, I have waited over a year for my stimulus arguing with government and finally got it for {$1400.00} this same day XXXX. The money posted on XX/XX/XXXX and I immediately called back Pnc and placed a dispute. I do not have XXXX XXXX in home but do have the cell phones still but never ever allow any company besides XXXX to charge my card monthly without me seeing the statement first etc. for this reason in particular. So there has been charges to XXXX XXXX in past for much much less of course maybe $ 200 monthly for our phones total. I waited 10 days and called back a 3rd time to check status and I panicked bc no provisional credit was given back to me and I had to pay rent but couldnt now. Im unemployed and survive off my husbands pay with XXXX kids. I was informed bc I called them..my claim was denied bc something to do with a past pattern of charges to them. They claimed my card number and security code snd address all matched. I dont know if the purchase was made online or in store bc no one told me anything I didnt receive anything written from bank nor did I receive a provisional credit. I am under duress like going through an extreme hardship right now so I started crying and told them to dispute it again. Why would I ever ever try to cancel the charge while it was processing from day 1 if I had made it somehow? The lady was rude and I said my Money is supposed to be insured or protected and nowhere did I now feel like my funds are safe with them after having banked with them nearly 5 years now. I desperately need my money back while they complete a real investigation they couldnt tell me what steps they took to investigate the situation at all and basically decided for me making me feel like a liar. She said I wont get a provisional when I asked for it and couldnt tell me why Im not entitled to one when nearly every dispute allows it. I need help someone to actually find out what happened here and make it right. I cant pay rent and I was waiting on that stimulus forever only for some random company to take 3/4 of as soon as my deposit hit the back how the XXXX did they know the money was going to be avail like that in order to take it so fast? Im so suspicious now if they were alerted to the deposit or what but something isnt right. Whether Ive shopped there or not in the past isnt enough of an investigation for them to stonewall me and say whelp thanks for 5 years of banking loyally with us but ur screwed. Can you please help me????
Complaint sub-issue: Reporting company used your report improperly

I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX