Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

I started a savings account on XX/XX/XXXX at KeyBank located at XXXX XXXX XXXX in XXXX, Maine XXXX. I deposited a {$15000.00} check drawn off another KeyBank account as the starting deposit on XX/XX/XXXX. I asked the clerk to verify funds were available from the deposited check and was assured the funds were available. When the new account was set up I was told only {$100.00} would be available for the 1st day and the remainder would be available the next business day. Today is 6 days later XX/XX/XXXX. I just left KeyBank only to be told my money is not available. The bank told me funds are on hold for 5 business days now. I only need {$2000.00} today and if I do not have funds to make my payment I am charged a {$99.00} late fee from my mortgage company and my payment is considered late. KeyBank made no consideration for this and continued to refuse to allow me access to my funds. I am very upset about this and would like some answers about this. This is a large bank holding my dollars and lets face it they make their money off loaning funds and charging interest. I feel they are holding my funds in a attempt to profit while I suffer the late fees due to them taking my funds hostage. I am requesting the Federal Reserve and FDIC as well as the CFPB audit KeyBank and their suspicious activities. After XXXX XXXX and others we need to police our banks to insure citizens can have trust in the banking system. I have reviewed other complaints on this bank and feel they may be in violation of overstating their deposits thus allowing this bank to extract more funds from the Federal Reserve by means of Fraud.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$140.00} XXXXI XXXX {$250.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX {$31.00} XXXX  XXXX {$31.00} XXXX XXXX XXXX  XXXX XXXX {$12000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00}
Complaint sub-issue: Account information incorrect

Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX.XXXX and XXXX XXXX.XXXX and one was made at XXXX XXXX   On XX/XX/2019 I received four calls from the same number, one every hour between XXXX XXXX.XXXX. and XXXX XXXXXXXXXXXX. and one at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from XXXX and its card services. When I researched the number online I saw that it was a debt collection number from XXXX. Why is XXXX harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX dollars and XXXX XXXX cents? Furthermore, it has been [ 37 ] days since the debt was paid in full and it has yet to reflect on my credit report.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017, I received an email from Attorney XXXX XXXX 's law office in XXXX XXXX stating I was a victim of the XXXX Data Breach. 

I checked my Social Security Number and DOB on the Equifax Site and it confirmed my identity and information was breached. 

I am filing a claim and acknowledged my Mass State Atty. general Class Action suit against Equifax and submitted my document to the Massachusetts State Attorney General 's Office In XX/XX/2017 XXXX XX/XX/2017.
Complaint sub-issue: Problem with customer service

NelNet Servicing LLC along with the department of education sent me a letter saying that any payment made. on my federal student loans made after XX/XX/2020 I am entitled to a refund which in total come up to {$9900.00} but the company that took the money which is XXXX XXXX is telling me that they are not giving me a refund of those payments. They are saying that XXXX is the bank that issued the loan and they not giving my money back either. The date of XX/XX/2020 is the day I became total and permanent XXXX. Firstmark Services is a division on Nelnet the company that sent the letter XXXX ID # XXXX
Complaint sub-issue: Account status incorrect

I ha d two   Discover cre dit cards  XXXX  and  XXXX . About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the  one c ard ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.   Next the started transferring money fro m one card t o the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.   In additi on Discove  r rep orted late payments, over drafts and others to the credit reporting agencies racking my credit causing me to have to pay more  in Insura  nces.
Complaint sub-issue: Charged too much interest

I made a purchase during a promotion period in XX/XX/2019 using my credit card. The promotion was no interest paid for 12 mths. My statement said in XXXX to not be charged interest when the promotion ends I would need to pay off of the promotion balance before the promotion ends. In XXXX I made two payments equal {$930.00} which was more than promotion balance. The bill did not specify where I could allocate my payments. I assumed based on the amount I need to pay the large payment I made would go towards paying the promotion balance. I continued making my regular payment and sometimes more than the minimum balance since then. 
I noted today that my card amount due increased by over {$200.00}. This is because an interest payment of {$200.00} was applied. When I called them I was told that the XXXX payments where not applied to the promotion and I should have called customer service earlier and let them know to change where these payment were allocated. 
I was told the only way to avoid paying the {$200.00} interest is to pay off the {$480.00} balance by XX/XX/XXXX and they can't reallocated the {$930.00} payment because their system made the best judgement of applying my payment as a regular payment instead of the promotion,
Complaint sub-issue: Account status incorrect

I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XX/XX/XXXX my credit took a 65 point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter 70 point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped 135 points in 3 months.
Complaint sub-issue: Was not notified of investigation status or results

This company is reporting inaccurate information on my credit report, and refuses to launch an investigation into the account thats being reported to Credit Bureaus under my Social Security number. On XX/XX/2020, I mailed a dispute letter via United States Postal Service Certified Mail, to I.Q. Data International Inc. to the address XXXX   XXXX XXXX XXXX, WA XXXX, which is listed as their contact information. This dispute letter was delivered and retrieved from I.Q. Data International Inc., on XX/XX/2020, it requires a signature from the recipient for its release via United States Postal Service. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). This company also failed to mark my account as disputed within 30 days which violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the 30-day required. I have attached a screenshot of the tracking information stating this letter was received on XX/XX/2020. It is XX/XX/2020 and I still havent received anything from this company pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately with XXXX, XXXX, XXXX  and any other credit bureaus. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file, without launching an investigation that is required by law. I believe theyre in violation of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act.
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.
Complaint sub-issue: Debt is not mine

The regional Adjustment bureau continue stop calling me incessantly. The called 50 times in 10 minutes even after speaking to them. They are accussing me and my father of owing somethin we do n't owe. They are verbally abusing and harassing me, my family, and people in my office. They were extremely aggressive and extremely rude. 

XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Debt was result of identity theft

In early XXXX I was in the process if buying a home when my lender noticed that there was a past due bill on my credit report. I was very confused when he told me it was with XXXX XXXX XXXX since I had not done any business with XXXX XXXX XXXX. I was n't sure what to do since I did not know how to deal with Identity Theft. Finally in XXXX I found a credit counselor who guided me through the process of having this erroneous and fraudulent information removed from my credit report. At that time a company by the name of XXXX XXXX held the account and so I filed my paperwork through the credit bureaus to have it removed and it was removed in XXXX XXXX. Sometime after this date the debt was sold to another collection agency Afni, Inc. I have no idea why a company like XXXX XXXX XXXX or XXXX  XXXX or the Credit Bureaus would continue to allow a debt to be passed around that is fraudulent in nature and cause a consumer such trouble. I am now paying a higher interest rate for a mortgage. I want this issue resolved once and for all and do not want to continue having to file paperwork with whatever agency decides to try to collect this fraudulent debt.
Complaint sub-issue: Information belongs to someone else

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureau is obliged to block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00}
Complaint sub-issue: Don't agree with fees charged

My name XXXX XXXX was enrolled in the XXXX in XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I XXXX in 2014 however, after the XXXX they told me apart of the program completion, they would be helping me with training, assistance with studying for the test XXXX and XXXX assistance. This was apart of my tuition agreement and program for this institution. I agreed to pay XXXX loans XXXX XXXX and Genesis Lending ( a private loan given by the school ) because of the promises given that I would be assisted through out until I find work. Unfortunately, all these promises during and after graduation was not met because the school was forced to close. According to a recent article " Accused of misleading students and falsifying records, XXXX of Florida 's -- and the nation 's -- largest private, for-profit college chains is being forced to sell campuses or close its doors. '' I am a student who has suffered from this malpractice and now owes XXXX loans, with no job. I made faithful payments to Genesis Lending and I would like to be refunded the money. I have called the Florida Department of Education. 

Read more here : XXXX
Complaint sub-issue: Public record

I sent Equifax a request to remove a Tax Lien from my credit report. The Tax Lien has been withdrawn by the IRS. I forwarded all documents to Equifax to document my request but they still did not remove it from my credit report. I need to have this item removed immediately.
Complaint sub-issue: Information belongs to someone else

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Complaint sub-issue: Reporting company used your report improperly

COMPLAINT XXXX Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. ID : Current Name YOUR NAME IS CURRENTLY REPORTING CORRECTLY ON YOUR EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

SEE ATTATCHEMENT
Complaint sub-issue: Right to dispute notice not received

This alleged debt was previously reported and disputed with another collection company and subsequently removed from my credit report. This company has sent no notice to me that they have the debt or of my rights to dispute. They simply re-aged it and put it on my credit report as a new collection. I only became aware when my credit monitoring service alerted me of the new listing.
Complaint sub-issue: Account information incorrect

I had a store card with XXXX back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.
Complaint sub-issue: Other problem getting your report or credit score

Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from XXXX XXXX XXXX, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears Ally Bank and XXXX are possibly colluding to modify loan terms.
Complaint sub-issue: Information is not mine

Equifax is reporting items on my file that do not belong to me. Someone opened a Citi card in my name and charged up {$3000.00} as well as went to get medical care. I have sent them the identity theft report as well as police report all they do is say verified without sending me any contract or anything with my signature. They are also reporting a Judgement that does not belong to me. I told them these items do not belong to me. Equifax continues to ignore me.
Complaint sub-issue: Information belongs to someone else

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Complaint sub-issue: Was not notified of investigation status or results

I Requested an investigation on 3 Collection items that were reporting to my credit report. Requested verification from XXXX XXXX account # XXXX, # XXXX and # XXXX twice. Once in XX/XX/XXXX and again XX/XX/XXXX. I requested validation from XXXX XXXX XXXX  and I have not yet to receive any response from them. The credit bureaus Equifax and XXXX  deemed these3 accounts verified. I want to know how it is that they were able to verify this account when I saw I received nothing from the collection agencies myself proving verification. I'm asking the CFPB to step in and help me resolve this issue. Thanks
Complaint sub-issue: Account status incorrect

OnXX/XX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This was discharged in a previous bankruptcy and they have not sent any further notice and showed up on my credit report as paid late, no billing no notification
Complaint sub-issue: Old information reappears or never goes away

My XXXX  account was closed in XX/XX/XXXX they are reporting that I just opened the account in XX/XX/XXXX. Called collectors they informed me they are reporting it that way because that is when they obtained the debt and thats unfair. XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

My card was charged with something i did not purchase. I contact the credit card company and they said they were looking into it. In the mean time don't do anything. After a couple of months of this happening several times the issued was resolved but the credit card was reported as late payment for 120 days. I tried to have it fixed with the credit card company to remove that late payment but no response from them.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX in XX/XX/2019 about an error reporting on an account in which they replied saying it was verified as correct. I sent another letter pointing out that same error and they replied the same in saying it was right. XXXX  failed to perform an actual investigation but simply mirrored what's already in their system.
Complaint sub-issue: Account opened as a result of fraud

Starting early XXXX I started receiving statement from XXXX XXXX XXXX XXXX in the mail. Never look at them thinking they were junk mail until XXXX came that had a debit card in it. I called the bank and the verified that someone did open a acct in my name opened it on XX/XX/22 the bank closed it on XX/XX/22. The again started getting statements from Comerica bank. I called them yesterday the again verified that someone opened a acct in my name. Comerica closed that acct for me too. Also I had to log into my XXXX XXXX ( I only collect in the XXXX XXXX XXXX XXXX XXXX  ) Someone collected all of XXXX and XXXX weeks in XXXX. They have my SS number, address, birth date and email. 

Not sure what my next step should be.