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

I bought four XXXX watches from Best Buy using the Best Buy credit card all four items should be delivered on the same day in this case when I get home I only see two items at my door I called Best Buy about the issue they said they can refund me Reship the item I asked them to re-ship the item if its available they said they reach out back to me when they reach out to me by email its a refund they issued to me on XX/XX/XXXX from XX/XX/XXXX till now I have not seen that money going back on my Best Buy card I called the bank about it they keep on transferring me to Best Buy having me on all for 1 to 2 hours and cut me off at Even text them on their app and theyre stating that theres a refund issued out but I am not seeing that refund Till the representative asked me if I report the case to the police yes I have report the case to the police and they have done the investigation and saw that its all going to item was delivered that day I dont know what scam game Best Buy is doing what they need to resolve this issue
Complaint sub-issue: Frequent or repeated calls

B C Services Inc. A dept collection company for the hospital of XXXX wy has been calling me repeatedly over and over almost every day. Some times as late as XXXX. I am making a minimum payment of {$50.00} a month as to it's all I can afford to pay when I tell them that they ask why I cant afford to pay my bills. Why dont I have a job, they can only accept that payment for a short time. I am trying. It's a XXXX bill they want.
Complaint sub-issue: Their investigation did not fix an error on your report

I have two charges on my credit report for a single visit that is for {$77.00}. I only visited the dentist office once ( XXXX XXXX, XXXX, VA ). I have tried contacting the collections agency and disputing it on my credit report without any success.
Complaint sub-issue: Banking errors

I first signed up for a US bank account under a promotion for {$300.00} on XX/XX/XXXX. There was an error in creating the account which froze the account and made me unable to sign up for online banking, add the account to other banks, or send direct deposits to the account. The terms of the promotion were that I needed to receive {$2000.00} in direct deposits within 60 days of opening the account. 

It took US banks technical team until XXXX to finally get my account fixed. By this time the 60 days had passed. I requested and was denied an extension to meet the terms for the promotion. I was frustrated by the service and requested my account be closed on XX/XX/XXXX. I wrote this date down in my records as the date the account was closed. Looking back, I found XX/XX/XXXX was the date that the account closing was finalized. 

In the meantime, I received an offer to open a US bank credit card and took advantage of it. I was once again interested in a relationship with U.S. bank. I read the terms of their new promotion for the bank account and it said I was eligible as long as I hadnt held an account with US bank for 6 months. So I waited what I thought 6 months till XX/XX/XXXX and applied again. My bank account was opened again XX/XX/XXXX. This is three days from XX/XX/XXXX which is 6 months from when my account was actually closed. 

I completed the requirements of making {$4000.00} worth of direct deposits to the account for a bonus of {$400.00}. The bonus did not post automatically and I reached out on XX/XX/XXXX inquiring on the status of the bonus. 

I received the following response : " This is XXXX with Email Operations, and I appreciate the opportunity to help you today. Knowing the status of the promotional offer is important. 

I can confirm that the promo code XXXX was placed on the account when it was opened and that e-statements were signed up for before the cutoff of XX/XX/XXXX. '' The promotion still didnt post so I reached out in XXXX to customer support and was told this time that I was ineligible for the bonus because I had a US bank account within the last 6 months. I missed the deadline by three days because U.S. bank took so long to close the first account.
Complaint sub-issue: Their investigation did not fix an error on your report

In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.
Complaint sub-issue: Didn't receive advertised or promotional terms

Citi Bank Credit Card agents are telling me two opposing stories. An agent named XXXX told me yesterday that my XXXX sign-up bonus ThankYou points would post to my account on my XX/XX/XXXX statement. The points did NOT post so I spoke to another agent named XXXX today. He claimed the 80k points offer was not even attached to my account. That is absolutely ridiculous. I have screenshots as proof of the offer I signed up with along with their terms and conditions. I met all requirements ( XXXX XXXX spend within the first 90 days ) and I did not violate any terms and conditions for this offer. Citi is being deceptive, misleading and unethical. They need to honor their own promotion.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I submitted for my annual recertifiction well before it was due to Nelnet. I have a third party that checks on the status of my account and they indicated that the application was received and currently in process. It was n't until the application was almost expired that I received a notice requesting additional income documentation. When I originally submitted my income driven repayment plan recertification I had not filed my XXXX return as I had filed an extension so I submitted the application with my XXXX return as the application indicates. Nelnet took so long to process my application that I fell out my income driven payment and into the standard payment although it was submitted 2 months in advance on XX/XX/XXXX. I did not file my tax returns for XXXX until XX/XX/XXXX. No Nelnet is  requesting that I submit a whole new application because it is too old although it is their fault that it has taken so long. I submitted my XXXX return as soon as I had it and they are making me wait an additional month to process and forcing me to submit another application since I am no longer in my program because of THEIR slow processing. If they would have told me initially to send them a copy of my extension I would have, but the DID N'T tell me ANYTHING until it was too late. They have just been wasting my time and now are putting me in a financial burden for THEIR error. Instead of trying to process my application quickly they have been stalling.
Complaint sub-issue: Received bad information about your loan

Hi, In the past I had placed my student loans on forbearance where they accrued interest for a long time. I was struggling and could not afford to pay and contacted Nelnet multiple times about options. They told me my sole only option was forbearance and to accrue interest. When I called them to switch to an income driven plan recently, I asked why they hadnt told me about that before and they said by law they didnt have to tell us all of our options until recent years. Nelnet then told me I should only do forbearance as a last resort and that its my worst option. I told them they were the ones who on numerous occasions told me that was the only option I was allowed to do. The Nelnet representative confirmed from her notes that they did in fact only tell me I could do forbearance in the past. I requested they remove all the interest I accrued and apply the income driven plan retroactively since their lie/error caused me to accrue thousands in interest when I couldve done an income driven plan while unemployed and paid a lower rate instead of going on Forbearance. She said they can not do that and that my only option now is to file complaints. She acknowledged on the phone and apologized for Nelnet lying about my options and forcing me into Forbearance but said she can not do anything. 

This is my complaint and I would like for the accrued interest during the period I was wrongfully advised I only qualified for a forbearance plan to be reversed. I do not believe I should have to pay this interest as I was mislead and specifically asked multiple times if I could pay a lower rate while unemployed and then while struggling in XXXX. 

Thank you.
Complaint sub-issue: Trouble with how payments are being handled

I have 22 ineligible payments I was told due to being " paid ahead. '' I was told these can be changed to eligible with a manual recount which was submitted. For the past year I have called every 3 months and have also submitted my employment certification form but the count is never adjusted.
Complaint sub-issue: Information is missing that should be on the report

I have sent Discover three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX, attached ) that I disputed an account ( Account number XXXX, Charge-off Balance {$15000.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done ( see attachment ). 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of {$100.00} - {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached is my current ( XX/XX/XXXX ) XXXX credit report of the Discover account. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, Discover.
Complaint sub-issue: Account status incorrect

I have reached out to the credit reporting agency on the account several times on previous report it shows it was in included I. The bankruptcy then on the current dispute they reported it as a collection.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This will make a negative effect on my credit transactions. That's why I want this to be taken care of.
Complaint sub-issue: Can't temporarily delay making payments

I am a XXXX XXXX XXXX XXXX VETERAN HAVE ASKED THEM TO REMOVE THE LOANS FROM MY CREDIT REPORT HAVE FAXED AND MAILED THE INFORMATION IN NUMEROUIS, TIMES, I HAVE ATTACHED PAPERWORK THAT STATES I AM XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information is missing that should be on the report

XXXX, Equifax and XXXX removed my XXXX XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting on my Credit Report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DSNB MACYS XXXX  Opened Date XX/XX/2016 Balance {$0.00} // Charge Off
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I had loan with XXXX XXXX. The collection lawfirm that broke the law and committed fraud is Jefferson capital systems. My social is. They claimed to serve judgement to me through my wife and thwy lied. I was XXXX  from XXXX. To XX/XX/XXXX. They said they served me on XX/XX/XXXX. This is intentional fraud. My wife was not home and never talkes to any man at the home. She will testify in court. My full name is XXXX XXXX. My birthday is XXXXand the website you can confirm this at is XXXX in florida. This is a easy win for a lawyer. This company already has a classaction suit. Please provide lawyer who will prosecute. There is no other adult in my home they couls have talked to.
Complaint sub-issue: Trouble getting, activating, or registering a card

Us bank ReliaCard for pandemic unemployment agencies of Ohio has had my card locked for 2 months now. Since XX/XX/2020 to current XX/XX/2020. I have faxed all my documents such as photo ID, birth certificate, w2 forms and social security card! They still havent been able to help me unlock my account!
Complaint sub-issue: Information belongs to someone else

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Complaint sub-issue: Reporting company used your report improperly

I the natural person and consumer sent EQUIFAX/XXXX XXXX a copy of the police report I filed with my local police department XXXX COUNTY SHERIFFS DEPARTMENT, with the FTC, copies of my identity, a notarized identity theft affidavit and written a statement and written instructions stating " Concerning the accounts listed below as the consumer Im demanding you delete and block these accounts : 1. XXXX XXXX XXXX, XXXX ACCOUNT # XXXX 2. XXXX/XXXX ACCOUNT # XXXX 3. XXXX XXXX XXXX  ACCOUNT # xxxxxxxxxxxx XXXX 4. XXXX XXXX ACCOUNT # xxxxxxxxxxxx XXXX 5. XXXX xxxxxxxxxxxx XXXX 6. XXXX XXXX XXXX  ACCOUNT # xxxxx XXXX 7. XXXX XXXX XXXX ACCOUNT xxxxx XXXX 8. XXXX XXXX XXXX  ACCOUNT xxxxx XXXX Concerning the inquiries listed below as the consumer Im demanding you delete and block these inquiries : 1. XXXX - CARD SERVICES 2. XXXX XXXX 3. XXXX 4. XXXX XXXX Delete and block the address XXXX XXXX XXXX XXXX SC XXXX. 




Send me a copy of my credit file to reflect all of the deletions., '' Which they received on XX/XX/XXXX with a green return receipt, about the identity theft they had committed and to delete and block the information arising from this identity theft from my consumer reports within 4 business days pursuant to federal law 15 USC 1681c-2. EQUIFAX/XXXX XXXX have not yet deleted and blocked this information from my consumer reports. This is causing me the consumer and natural person much financial harm as it is weighing against my character, reputation and credit standing. I never gave EQUIFAX/XXXX  XXXX consent to report this information and this is a direct violation of my right to privacy. I am a federally protected consumer and the Fair Credit Reporting act was created to protect me and my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). These actions are illegal as EQUIFAXXXXX XXXX are breaking several federal laws. EQUIFAX/XXXX XXXX are civilly liable for the damages this is causing me and my family pursuant to 15 USC 1681n in which I will pursue. I have attached a copy of the documents that was sent by certified mail with a copy of the green return receipt that shows XXXX XXXX received the documents on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

For approximately the last 2 years Credit Karma told me I was pre-qualified for credit cards only to be denied and have a hard inquiry on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX AUTO LOAN NOXXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY XXXX.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reach out to company directly via mail, email and via the XXXX. I recently lost my wallet 3 months ago and now notice several things on my credit report. I have advise Discover it is not mine they reply with : upon investigation an credit application was submitted. '' I do not understand what that mean or how this investigation was conducted to verify the validity of this application.
Complaint sub-issue: Not given enough info to verify debt

Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to ERC on XXXX XXXX, 2016. As of XXXX XXXX, 2016. They did not reply to my request therefore this account should be removed from all XXXX credit bureaus. The told the bureaus it was valid however they refused to provide proof. 

As a result the account should have been removed.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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: Trouble with how payments are being handled

They have inaccurately calculated my income based repayment and then I made a payment and they are trying to make me pay another payment this month.
Complaint sub-issue: Their investigation did not fix an error on your report

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 
This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT  # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX