Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}. 

Contacted XXXX XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me. 
Contacted XXXX XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours. 
Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again. 
Contacted XXXX to dispute the account.and was told that XXXX would respond within 30-days. 
Received notice from XXXX that XXXX had validated the account and the dispute was canceled? 
Contact XXXX XX/XX/XXXX : Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back. 
Contacted XX/XX/XXXX - XXXX ( XXXX XXXX XXXX ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX. 
Contacted XX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents. 
Contacted XX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX. XXXX by email of the latest info I had on the case. 
Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail. 
Email XX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.
Complaint sub-issue: Personal information incorrect

Ok so I did a dispute on XX/XX/2020 because Equifax was reporting the wrong demographic information for me. I pay them XXXX a month to be able to check my score an make sure everything is report accurate. I have been doing so since XXXX XXXX. So when I filed my claim on XX/XX/2020 claim # XXXX I got my result back from Equifax on XX/XX/2020 stating that they has updated my report an the invalid names an address had been removeD. So here I am thinking that I could view a updated an corrected version of my credit profile. Wrong it was not updated. So I called spoke to a agent who told me that she apologized an that maybe the site had not updated yet but she would mail me a copy of my report. This was on XX/XX/2020 I said ok they told me to check back on the site an It should be fixed. So here we are I havent received my copy report in The mail an it is XX/XX/2020 an the information online is still reporting inaccurate so I called back on XX/XX/2020 request a refund as well as for my information to be corrected I was given the run around they agent gon na tell me I need to redo my dispute. I ask for a supervisor an she gon na tell me that they were goin to tell me the Same thang an then after being on hold for almost a 1 hour she does not put a supervisor on the line she transfer me to a survey. An the calls disconnects. This was a whole mess not to mention a Inconvenience not only was I treated badly my credit profile still has inaccurate information reporting on it. all the while they sent out documentation stating they removed it. They intentional did not want to assist nor remove this incorrect information. Something needs to be done. They just done care
Complaint sub-issue: Late or other fees

Dear to whom may concerned, Here are some details : when we opened this joint account with citi-bank, the person who helped us didn't mentioned about a monthly charge fee. For the past 12 months, they have been charging this account for XXXX dollars, accumulated for XXXX dollars. I called them through phone, they are only able to refund me XXXX dollars. They told me to go to a branch to take it further. then i went to the bank. the first bank i went to they told me that their manager will contact me through phone. so i went back home and i got nothing from them since then. then the next week, i went to another citi bank 30 minutes away from where i lived. they also told me to wait for call. for the following days, i went to them several times. they either told me that the manager is not available or to wait for their call. I was able to get a direct number of the manger. i called this number for more than 5 times. the assistant picked up the phone and told me that the manger is not available and will reach me back. for the last 3 weeks. I've been reached out to them, and i got no reply. nothing at all. this is the worst experience i have with a bank. I am asking for your advise on how i can do to get this fee reimbursed and i want to know what i can do to their behavior of treating their customer. 
Thank you!
Complaint sub-issue: Problem with personal statement of dispute

I had several ( 14 ) fraudulent hard inquiries I asked equifax to delete. They did not and stated they were statement of fact and would remain. I submitted a request for information on who was spoken to and asked for a copy of my authorization to have done, since I never authorized. I then went to the sheriffs office in my town and filed a fraud report and submitted to equifax, they still did not delete. I filed a small claims court case against equifax on XX/XX/XXXX. My court date is in XX/XX/XXXX. 
Im calling equifax and they say they dont have a department to arbitrate this, even though the court asked me to arbitrate with them. They make it very difficult to settle this when they are wrong and are negatively impacting y credit file. 
I want equifax to delete all my hard inquiries immediately. Depending on how quickly they do this will determine wether I drop my small claims court case.
Complaint sub-issue: Received bad information about your loan

I am the Guarantor of two student loans with Discover Bank, one dated XX/XX/XXXX, the other dated XX/XX/XXXX. We signed identical Notes for the two loans. Both are variable interest rate loans. From inception until XX/XX/XXXX, we received no information or correspondence on either of these loans either from Discover or any loan servicer ( if there was one ). Recently, the deferral period ended and Discover decided to contact us. We note that the current interest rate on one loan is 7 % and on the other is 11 %. We questioned this with Discover. Item I4 on the Promissory Note describes how the interest rate is calculated. However, Item I4 refers one to the Disclosure Statement. We have requested the Disclosure Statement from Discover and after many months, Discover informed us that they don't have it. We have no recollection of receiving it and indeed do not understand how loans with identical terms can have such different interest rates. We have another Discover Student Loan and the variable interest rate is 6.75 %, so it does appear that the 11 % interest rate is an anomaly. We are also prejudiced by the fact that Discover did not send us any information on these loans for 11 years, so we did not have the opportunity to contest the interest rate charged, or take other action, such as refinancing the loan at a lower interest rate with another lender. Discover can not justify the 11 % interest rate, but refuses to recalculate it.
Complaint sub-issue: Debt was result of identity theft

i have sent in a police report also i have disputed the accounts and ask for the company to send me information regarding the account also send me proof i signed up proof of my signture and my proof that this was me.. they sent me only a bill nothing else and my name and someone else name on the bill.as i stated to them this is not my account nor did i apply for the credit cards
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2021 Credit Karma deactivated my debit card due to a fraudulent charge. After I asked them to not do that until I could pull my funds out they said the card was already shut off. I have been going round and round with them so I can have access to my funds. Almost a week later I still can't access my money. I've tried linking my external bank account to them so I can transfer the funds and I can't link them. They keep telling me that they are working to solve the problem. I feel at this point they are holding my funds hostage by not allowing me access to my money. 

Thank you XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I Have tryed for mouths to get credit bureau to remove inaccurate info of my record, I have submitted documentation of my Identity theft, with police reports, and they have failed to remove accounts, addresses, inquiries that are not mine..
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have complained to XXXX multiple times about a recurring charge of {$380.00} from XXXX on my account. The have sent me two new cards and reversed the charges but can not seem to be able or unwilling to stop the recurrent fraudulent charges. I have spent hours of my time resolving this monthly and wasted time on the phone with XXXX as well. 


XX/XX/XXXX {$650.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$380.00}
Complaint sub-issue: Investigation took more than 30 days

I submitted a prior report concerning Equifax taking 60 days to complete an investigation. The first representative failed to include my statement correctly in the investigation however, equifax solution was to reinvestigate correctly and for me to allow another 30 days to complete another one allowing a total of 60 days. The FAIR DEBT COLLECTION ACT only allows 30 days for investigations. When a complate was done with CFPB and submitted to Equifax a return answer was given that stated XXXX could not respond due to an unauthorized third party. This response is returned to CFPB as a means for Equifax to gain more time to complete its investigation. There is NOT however any third party related to the complaint. If there is a third party stated on their behalf it was not mentioned in the response and thats why Equifax return answer is bogus. I demand for my credit report to be clear of all incorrect infomation originally disputed as the time has expired for the investigation.
Complaint sub-issue: Frequent or repeated calls

XXXX just sold my account to a collection ( Afni ) and I have been make payments XXXX. Since afni have gotten the account they have been calling me several times a day even after I told them to cease calling me. They have been attempt to force me to set up payment arrangements with the. And I have told them I will not pay them bc XXXX is the company I have the contract with.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been a victim of identity theft 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
Complaint sub-issue: Unable to open an account

Dear Administrator, Today ( XX/XX/2022 ) I try to open an checking account in usbank followed the following page : XXXXXXXX XXXX XXXXXXXX # XXXX After I filled and submit all personal sensitive information, then application is denied. 
Application ID : XXXX I called the customer service, asked why my application is denied, I was told because I live in XXXX XXXX, no branch in XXXX XXXX. 

Why they don't tell customer this offer just for people living in some area? 
I called the bank again, request talked to their supervisor, the supervisor said sorry, will ask programmer make change. 

It's unfair, they already knew the " offer '' is limit, why they don't tell customer at the beginning? 

It's cheating! Absolutely cheating! They want to collect person 's information, so they put a fake advertisement. 


Any help for protection customer is greatly appreciated! 

XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

I deposited {$800.00} to my Citibank savings XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on the date of XX/XX/XXXXXXXX XXXX  XXXX. The ATM ID is XXXX. Due to technical problems, the ATM took the cash, however, did not deposit the amount to my account. I immediately informed Citibank receptionist of my problem and they Called customer service. After an investigation, they provided me with a letter and investigation number : XXXX. They issued me provisional credit for the amount listed above. However, they responded saying they found no ATM discrepancy through a letter received on XX/XX/XXXX. They removed the provisional amount initially funded.
Complaint sub-issue: Debt is not yours

I received a call from Jefferson Capital Systems on the XXXX of XXXX, 2021. After returning the call and confirming my information ( name and last 4 of social ), they informed me that I have a debt from XXXX  that is around {$1400.00}. I was confused by this and while on the phone I checked my XXXX  accounts and saw everything was in good standing and had no credit card with XXXX. After confirming on my end, I asked to validate the debt. The representative then ask if an address was mine and after they told me, I immediately knew this was in regards to a business account that belong to a corporation that I was no longer apart of. I informed the representative that this was a business account with XXXX but the representative kept telling me that they only see my name and social but no business information. I was even told the email address on file which belongs to the business Im not apart of. I then spoke to a supervisor who told me the same thing before being disconnected ( not sure if the line disconnected or if I was hung up on ). I called back and ask to speak to a supervisor who I explained that this belonged to a business account that is not under my name. I requested that they obtained the information from XXXX but I was told they cant ( or probably refused too, I do not know if they are allowed to contact the company they bought the debt from after the purchase was made ). I asked to do a debt validation but they asked for my address, which I initially refused and was told it would be open but I would need to call back to update the address on file. I called XXXX the moment I hung up and was told I would need to call JCS and speak to them about the debt and they couldnt be of any assistance. I spoke to an attorney who informed me to update the address on file so they could send what they have if they validated the debt before raising further dispute. On the XXXX, I called and spoke to a representative where I updated the address and was told by the representative that they will cease collection and will not report the account. 

Today, XXXX of XXXX, I receive a call from them and after returning the call the representative stated the same thing that I owe the amount as stated above and noted that I did raise a dispute to this. I again disputed it as this account is not a personal account but a business account. On top of that, I have not received any information regarding this debt to the address I provided from the call on the XXXX and that as the debt is under dispute ( or debt validation ) they are not to continue to collect the debt until the debt is verified, which it is clear they have not verified.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX is reporting as of XX/XX/2022 that I have a delinquent account. I spoke with XXXX XXXX, VP of their bank and we agreed on a settlement amount of {$4000.00}. I paid this settlement amount with a cashiers check dated XX/XX/2022. I asked them to update my credit file once in XX/XX/2022 because they incorrectly reported it causing my credit score to plummet. Now, they have again inaccurately reported that I am delinquent and owe {$2600.00}. My credit score again has plummeted with this derogatory information. I am requesting that they remove this immediately and a note on my credit file saying that this debt is settled in XX/XX/2022. Thank you for your prompt response.
Complaint sub-issue: Funds not received from closed account

In correspondence to complaint number XXXX My sincerest apologies for making another complaint in regards to the same situation. But I received correspondence from PNC. It's very telling of the situation I'm in. Again, I was suppose to receive a check from the remainder of my balance that was closed. Well I received a account summary with the wrong account number. It shows the deceptive nature PNC displays to consumers who they believe are unaware. I believe this stems from my conversation with XXXX XXXX and maybe this was done by her behest or it's a part of PNC underhanded policies. But I have two uploads. One of a checking summary with the account number XXXX ( it's typed XXXX ). And another with the last XXXX of my checking summary. Also I never got written statements, everything was paperless.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent
Complaint sub-issue: Other problem getting your report or credit score

I have been trying since XX/XX/XXXX to get access to my Equifax credit score. I was trying to finance a car and was made aware my Equifax was frozen or locked. I have never locked my credit score or put a freeze. I was unable to log in and called customer service. They informed me I would need to mail in a cover letter with my issue, along with a copy of my ID and a copy of my SSN. I mailed it to XXXX XXXX XXXX XXXX XXXX. I got a response stating they could not verify my identity and I needed to mail in additional documentation ; which I did! From then, no response. I called and they attempted to help me but couldnt resolve the issue. I was told over the phone they would get back to me within 72 hour business days. Never heard back. I again followed up and I was told I needed to resubmit documentation, as they do not have my initial documents anymore, they dont keep them longer than 60 days. So AGAIN, I re submitted documentation in XXXX of XXXX, and AGAIN no response. I followed up within 14 business days as I was advised and they again and again never received my documentation per customer service. I even faxed my paperwork to them hoping it would be quicker, and again no response. XXXX XXXX I was advised to AGAIN fax my paperwork to Equifax per customer service.The fax # I was provided was ( XXXX ) XXXX. As of current Equifax still claims they have received NOTHING. I am EXTREMELY frustrated with the lack of service from this company! It is ruining my life, I am trying to buy a house and I CAN NOT! Because I can not even log in to fix this freeze or lock on my report! I can not even view what my score is!
Complaint sub-issue: Account information incorrect

Account has been paid off since XXXX of this year but its still reporting on my credit and XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, I purchased items at Home Depot on XX/XX/XXXX paid through Homedepot credit card ( citi bank ) my husband brought items back to store for return on XX/XX/XXXX due to wrong items. Store clerk and manager declined the return because " items were already returned '' they said. Based on what store manager told me and I called to check with the Citi bank that I still have not see the credit back to my account for returned items.

Citi bank did not sound to help me resolve this problem.
Complaint sub-issue: Charged too much interest

Dear Representative, First of all the statement that Citi sends does not show amount remaining on any balance transfer offers which in my opinion is deceiving. Anyway Citi sent me a statement for the billing period XX/XX/XXXX - XX/XX/XXXX with a balance of {$1500.00} owed ( statement evidence enclosed ). This is the total outstanding on my part including my balance transfer offer XXXX, then I make a payment of {$100.00} onXX/XX/XXXX and another payment of {$1500.00} on XX/XX/XXXX totaling to {$1600.00} ( statement evidence enclosed ). Essentially the last statement outstanding balance was fully paid i.e. including the balance transfer. So now after two months what happened is that in the latest statement ending XX/XX/XXXX I noticed interest was charged to my balance transfer offer XXXX. On inquiring I was told that I still owe {$270.00} under balance transfer XXXX. I dont understand how is there an outstanding balance now?? This is just very deceptive because Citi sends me a statement showing {$1500.00} I owe and I pay {$1600.00} against it and now after 2 months my balance transfer offer XXXX still shows that I owe. This is totally ridiculous!! I have been going back and forth with them without any solution. I need your help in getting this sorted out please! Best Regards, XXXX XXXX.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXXDate of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XX/XX/2019
Complaint sub-issue: Received unwanted marketing or advertising

I received the email about your current settlement with Credit Karma about their deceptive practices of " pre-approved '' claims. I just received an email, from them, and noticed that they've changed their wording to " you have outstanding odds ''. Seems to me that's just as bad as their " pre-approved '' claims. Doesn't seem like they learned anything from the money they have to pay out.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.