Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 I ordered two custom towels from the company XXXX XXXX. I never received the towels from XXXX XXXX after many attempts to resolve the issue directly with the merchant. After losing all hope after fighting with XXXX XXXX for over a month, I submitted a transaction dispute with Discover on XX/XX/2021. On XX/XX/2021 Discover updated the status of my dispute to " Initial review of Dispute is resolved in your favor '' and provided a credit to my account in the amount of the transaction, {$70.00}. 

The status of the dispute still remains the same, I still have not received the towels from the merchant - the tracking information from the merchant still says " Shipping Label Created, USPS Awaiting Item '' as it has since XX/XX/2021. 

I didn't receive a letter or email from Discover & the Dispute on the Discover website has not been updated with any additional information. However, my account now shows {$70.00} SALE CHARGEBACK REPOST - REPOST OF DISPUTED TRANSACTION. 

I called Discover twice in order to find out why I am being charged the {$70.00} again even though I have not received my order from the merchant & Discover has provided me with no information why this is being reposted to my account when the Dispute Status remains " Initial review of Dispute is resolved in your favor '' but both times I called I received an Agent in Utah who advised that Discover is going through system updates and they can not access my account to assist me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed a charge made on my Citi Mastercard ending in XXXX for {$320.00} at Home Depot under dispute code 53. Per the MasterCard Dispute Resolution Guidelines, the issuer may use message reason code 53 when the cardholder contacted the issuer alleging that the goods or services received were either defective or not as described. 
When using this dispute code the Chargeback Conditions must include both of the following : Both the issuer and the acquirer are located in the United States, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and/or the U.S. Virgin Islands and Goods and services did not conform to their description. Examples include, but are not limited to : Goods and services that did not conform to their description. Examples include, but are not limited to, a 100 percent money-back guarantee, written promises, or a return policy. The Supporting Documents needed are a Cardholder email, letter, message or completed Dispute Resolution Form Cardholder Dispute Chargeback ( Form XXXX XXXX stating all of the following : The cardholder engaged in the transaction The cardholders description of the goods or services the cardholder expected to receive The cardholders description of the goods or services the cardholder actually received The cardholder returned the goods or informed the merchant the goods were available for pickup. 
The cardholder contacted the merchant to resolve the dispute and the the merchant refused to adjust the price, repair or replace the goods or other things of value, or to issue a credit. 

All of these conditions were met, and I provided CITI with a copy of the MasterCard Dispute Resolution Guide, highlighting the requirements provided, the original sales receipt, a return refusal receipt dated and provided from the merchant as well as a letter meeting all the requirements of form XXXX. 

Citi failed to provide properly submit this dispute, or resubmit upon receiving these documents on multiple occasions. Even worse CITI agents have made multiple deceptive and untrue statements in an attempt to prevent CITI from having to meet its legal requirement under the FCBPA and the MasterCard Dispute Resolution Procedures.
Complaint sub-issue: Charged too much interest

I had a credit card bill due on XX/XX/XXXX in the amount of {$75.00}. I paid the complete amount due on XX/XX/XXXX. My account is now XXXX. When I received my new bill, it said that I now owed {$1.00}. When I called to complain, I was told that it was due to Residual Interest. I told them that it is impossible. I paid the total amount due and before the due date. The operator agreed to take the {$1.00} off my account. I informed the operator that because I knew that I paid the account in full, I wasn't even going to open the new bill because in my eyes I did not have a bill. I thanked the representative for taken the {$1.00} off but imagine all the people that just pay the {$1.00} without dispute it. If she states that its considered Residual Interest then why did she agree to take it off? 
It's not the amount that I'm complaining about, it's the practice of the way they charged me. Is it legal?
Complaint sub-issue: Not given enough info to verify debt

BEING SUED IN SMALL CLAIMS BY XXXX, UPON CALLING THEM TO VERIFY THE DEB, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING LENDING CLUB WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX WEB SITE NOT LENDING CLUB ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I was made aware that my identity had been stolen and that the XXXX ARKANSAS payments had been being paid out to a debit card in my name since XX/XX/XXXX. I filed a police report put a fraud alert on my credit contacted the attorney generals office and contacted the US Bank Reliacard. The bank filed a dispute for the transactions that had taken place. I was asked to verify my identity. I submitted documents to verify my identity on XX/XX/XXXX. I reached out to the bank several times to no avail. I recieved a transaction dispute form in the mail on XX/XX/XXXX. I submitted the completed form along with a copy of the police report via fax on XX/XX/XXXX. I called The US bank on XX/XX/XXXX and was advised the investigation had concluded no fraud had taken place and my identity was still not verified. I disputed the decision which was made in less than 24 hours from the time i submitted documents and was told no credit would be recieved on my behalf. I have done everything asked of me to fight the identity theft and the bank carelessly made the decision without investigation. I have been told something different every time i have called and have not recieved any kind of help. The bank neglects to contact me within the time i am told they will. Nothing has been done in a timely manner. No form of help is being offered when i have complied with everything that has been asked of me.
Complaint sub-issue: Debt is not yours

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX I file disputes letters to the credit bureaus, I have yet to received anything from them. I understand that with covid and bein understaff things might be slow but taking over 45 days is not right.
Complaint sub-issue: Information belongs to someone else

Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX/XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.
Complaint sub-issue: Threatened or suggested your credit would be damaged

As per complaint XXXX, whoever it was that responded stated they would send me a validation/verification of debt and to date have not. They also stated they would remove the debt from my credit report. There are 2 charges on there for {$510.00} both from the same company ( Avante ) and for the same company ( XXXX XXXX XXXX ). Only one has been removed. I was told both would be and that has not happened. They split the charges to damage my credit instead of one single charge as it should have been.
Complaint sub-issue: Trouble with how payments are being handled

I am writing because FedLoan is refusing to process my IDR recertification in a timely manner creating the unnecessaryrisk that their inaction will cause me to lose several months of PSLF payments. Again. FedLoan confirmed receipt of my latest IDR recertification on XX/XX/XXXX. A few days later, on XX/XX/XXXX, FedLoan sent me an email ( attached ) telling me that my IDR recertification was " on hold '' and would not be processed until after XX/XX/XXXX. They then said : " Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request. '' The problem with this is that the new payment will be in effect for the month of XX/XX/XXXX. By waiting until the last minute to process my request, FedLoan will prevent me from having adequatetime to challenge the amount requested ( if needed ) or to respond if FedLoan announces that they are " unable to process my request. '' This unnecessarydelay creates an unnecessaryrisk that I will lose payment months towards my PSLF while we potentially argue about the new payment amount. To be clear, this is EXACTLY what happened during my last recertification. I'm including the following details about my prior recertification because I endured the exact problem I'm trying to avoid this time : I filed my prior IDR recert on XX/XX/XXXX. My new payment amount was to take effect in XXXX. FedLoan put my IDR " on hold '' and ignored it for XXXX and XXXX On XX/XX/XXXX they approved my IDR recert and announced my new payment amount. There was a problem with the new payment calculation, but because FedLoan had failed to process it in a timely manner, I then had almost no time to challenge it before the payment was due. As a result I lost THREE months of PSLF payments while I argued with FedLoan about my IDR payment. Had they processed my recert in XXXX when I submitted it, we could have worked out the problems before the payment was due in XXXX. XXXX NOTE : I did file a CFPB complaint on that and, as a result, FedLoan allowed a single, retro PSLF payment so in the end I missed TWO months of PSLF payments. Complaint # XXXX ) It must be acknowledged that borrowers receive the request to submit their IDR recertifications THREE months before the new payment cycle specifically in order to allow FedLoan to process it in advance. FedLoan is improperly delaying these requests and their delays are negatively impacting those of us enrolled in the PSLF program. Please direct FedLoan to process my IDR recertification immediately.
Complaint sub-issue: Threatened to sue you for very old debt

Alltran Financial LP sent a  letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to XXXX XXXX, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.
Complaint sub-issue: Reporting company used your report improperly

Equifax leaked my name, social security number, and address in a security incident.
Complaint sub-issue: Problem getting my free annual report

The reporting agency is asking me if I have a home loan mortgage and I do n't ... but its possible that someone stole my identity and has a mortgage. I need to see the report!
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Account status incorrect

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously attempted to get a dismissed public record removed from my credit profile with Equifax. They 've continued to report a confirmed dismissed bankruptcy on my report. It is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed for 10 years. The  FCR  act mentions nothing in Sect ion 168 relating to bankruptcy about dismissals or filings. The law mentions date of adjudication or ord er of relief. A dismissed case no longer exists in the eye of the law and a case filed  may have never been adjudicated. Equifax basically reports information that the government deemed nonexistent. In addition, I was referred by Equifax to contact the US Bank ruptcy court. The clerks at the courts stated that they do not report any information to credit reporting agencies. In addition,  XXXX   XXXX   ( th ird party reporting agency ) was unable to release information about this case- XXXX . Both   XXXX   and   XXXX    have already removed the information from my credit profile.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus.

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of XXXX XXXX and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against Equifax.
Complaint sub-issue: Debt was paid

In XXXX, I opened a XXXX account which was my first phone contract. There was an amount of {$450.00} that went to collection which I paid on XX/XX/XXXX. On XX/XX/XXXX I printed my credit report and I seen XXXX XXXX XXXX on my report for tmobile. I called the number for XXXX XXXX XXXX, I was unable to reach a person so I called XXXX and they could not give me an idea why this collection is still on my report. They transferred me to the collection company which is not the company that is listed on my report, they said they have not received my payment and for me to call XXXX back to let them know. When I spoke to the customer service representative from XXXX  again she told me that I only paid {$190.00} out of the {$450.00} and that the balance was {$250.00} and also that the account went to 3 different collection companies. On my report, it says that the account is paid in full with the collection company.
Complaint sub-issue: Their investigation did not fix an error on your report

This company continues to report a bankruptcy on my credit file. I've previously asked for the method in which they received the information reported. Their response in writing has been ; the source of there information is via XXXX. I've contacted XXXX and received a letter that the bankruptcy reported is not valid. As a result, information should be removed. See attached.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

Citi company is reporting credits cards that they did not verify. 
I have been trying to work with them started XXXX, XXXX. 
Account numbers ending XXXX, XXXX, XXXX. 
Citi have violated the FCRA $ FDCPA ; they did not validate the debt and I am asking them to delete the entries it is hurting my credit history very bad. 

The only response I had from citi with statements and statements by law does not validate the debt. 

Citi did not validate neither one of the account as requested bye me. 
I don't owe this debt and should be removed immediately. 



I have more documentation then I COULD HAVE UPLOADED.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act 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, Has all validated my rights 15 U.S.C 1681 Section 602 states I have the rights to privacy.

15 U.S.C 1681 Sectign 604 A Section 2 : It also States a customer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I took a cash advance on Discover in XXXX. I paid an upfront 3 % for this 0 % offer. I kept using the card and paid for the purchases. I was getting charged {$80.00} in interest for a 0 % amount. If I paid the card off for the purchases and the amount left is 0 % why would I get charged interest. I had two customer service people tell me that I had to make a minimum payment on the amount in order to avoid interest. I tried that, still got charged interest. I am getting charged interest on an advertised 0 % amount. If I pay off the purchase amount and the only thing left is the 0 % amount I should not get charged interest. I talked with a supervisor today who gave me a fax number and told me it was a phone number to call. I have been lied to by the representatives. This is very misleading. I should not be charged interest if I pay off the purchases and there is 0 % amount left on the card period. Please see my statement for proof. I took out {$2400.00} plus 3 % so as you can see on the statement. I made {$2900.00} in purchases and paid {$4900.00} on the bill leaving {$2500.00} that was supposed to be interest fee. As you can see I got charged {$81.00} in interest on a supposedly interest free account. I was told I had to pay off the entire amount not be charged interest. If that is true then it is not interest fee as advertised.
Complaint sub-issue: Problem using a debit or ATM card

coinbase is a complete scam. you can see tens of thousands of negative reviews on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more. 

They illegally charge hidden fees. They falsely advertise many features. They violate Reg E when you have fraud, lie about providing provisional credit but never applying, they ignore all calls and emails.
Complaint sub-issue: Account status incorrect

My loan was in forbearance and XXXX still reported it as open and paid late.