Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged too much interest

Discover card Had a balance transfer offer I paid off but they still charged me interest. I contacted them, they admitted their error and refunded me interest ( XXXX ). I recently received the next period statement and the original transfer amount in question is still showing up on the bill with now sky high interest. I contacted them again ( XXXX ) and asked them to correct my bill and issue a new statement but they are now saying no, that the original person was wrong and I will be charged high interest on an amount I already paid off. 
I took screen shots of most of the conversation and will attach.
Complaint sub-issue: Their investigation did not fix an error on your report

. I have the XXXX account on my credit report. It is reporting more than seven years at XX/XX/2011.
Complaint sub-issue: Their investigation did not fix an error on your report

I am so disappointed how Equifax, XXXX and XXXX  's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX  XXXX, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX, Equifax and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Complaint sub-issue: Reporting company used your report improperly

On Friday, XXXX XXXX around XXXX I was made aware that Equifax mishandled my information which led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. To my knowledge, absolutely nothing was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it from an online media announcement. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Indefinitely. 

Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. I was required to pay {$10.00} to freeze my credit on Equifax to cover for their gross negligence. 

I am very frustrated with the handling of this situation, as I know millions of others are that were impacted. This situation must not be allowed to happen again, especially with information so critically important to each person.
Complaint sub-issue: Problem with fees

Due to unexpected circumstances I missed my XX/XX/XXXX payment due date. When I was able to make an online payment on XX/XX/XXXX I was advised that my payment due was {$650.00} rather than the {$330.00} scheduled payment. When I made the online payment of {$650.00}, the Home Depot/XXXX XXXX  web site displayed a text box advising me that my next scheduled payment was due on XX/XX/XXXX. In early XXXX I began receiving notices that my XX/XX/XXXX payment was past due. On XX/XX/XXXX I contacted Home DepotXXXX XXXX  and explained that I was following the information provided on THEIR online payment portal that my next payment was not due until XX/XX/XXXX. I also asked why they were demanding that I pay approximately three times my regular monthly payment in less than a one month period, and if so, why was I being charged over {$300.00} as a late fee when their credit agreement term clearly states a late fee of {$38.00}. The Home Depot/XXXX XXXX  representative had no explanation to my question and advised me they would submit my issue to the proper authority for review. I received a US Mail reply, dated XX/XX/XXXX, from Citibank that stated they had attempted to contact me to discuss the issue. The only contact I had received, prior to this letter, was to harass me about my XX/XX/XXXX payment being past due. I was never offered an explanation or answer to the issue I was having, other than that I was mistaken and that my account was past due. 
I have continued to make my regularly scheduled payment in a timely manner to uphold my share of the credit agreement. During this time, Home DepotXXXX XXXX  's response has been to continually harass me via phone, email, and US Mail, all the while refusing to answer my questions and concerns surrounding their faulty billing system and exorbitant fees. On XX/XX/XXXX, I received a notice from Home Depot/XXXX XXXX  that they have suspended my card privileges and decreased my credit limit by {$7000.00}, adversely affecting my credit score. 
As a taxpayer it is appalling, that after receiving over {$470.00} XXXX in taxpayer bailout money, this bank would be permitted to engage in such egregious, and outrageous business practices. Their attitude towards myself has been nothing more than, " you are wrong, pay up or we will destroy your credit! '' This abuse of power is simply unfair to consumers who feel we have no recourse. 
I ask that the CFPB please investigate the " Bullying '' of consumers by Citibank and hold them accountable for the damage inflicted on their customers credit history. 
Thank you for your consideration.
Complaint sub-issue: Information belongs to someone else

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00}, XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, 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 XXXXXX/XX/XXXX,
Complaint sub-issue: Problem with customer service

I made two separate requests for a refund for payments voluntarily made during the COVID-19 forbearance, one with XXXX and then another with Mohela ( when I was told there was no record of a XXXX request ). When I followed up through email, I was told there was a refund to be processed due to PSLF discharge. However both requests were made much prior to discharge. I would like to make a complaint about this situation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also they have violated my rights under The Financial Privacy Act of 1978. 
Names Reported 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 Equifax, and XXXX have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish a account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX, I purchased a sofa from Macys.com using a newly opened Macy 's store credit card, totaling {$2100.00} inclusive of tax and shipping. The website had advertised that furniture purchases had available promotional financing, including 0 % APR for 18 months, if you used a Macy 's credit card. I opened the card explicitly and solely for the purpose of taking advantage of this promotional APR. I called Macy 's customer service to place the order, and the phone rep worked with the credit department to open my card and apply the promotional financing. A few days later, I called Macy 's customer service to inform them that I had ordered the wrong version and wanted to cancel and order the correct version. They did this, and the charges were the same ; however, when I checked my Macy 's credit card statement a few months later, I found that the promotional APR had not been applied and that I was being charged the full interest amount from day one ( 27.49 % ). 

When I discovered that I had been charged the full APR, I contacted Macy 's customer service via secure messaging on their website on XX/XX/XXXX informing them of this situation. The customer service rep indicated that I was only eligible for the 12-month 0 % APR promotion. " Upon review, it shows that the 18-month interest free promotional offer had a minimum purchase amount of {$3500.00}. In this case, the said purchase can only be eligible for the 12-month Special Event. We can request a transfer to the promotional account. You may reply to this email or call the number provided below to confirm if you would like us to submit this request. '' I replied to their message on XX/XX/XXXX ( I admittedly did not realize I needed to confirm my intentions to get the promotional rate as I believed they would proceed after my initial contact ) saying that I wished to proceed, and on XX/XX/XXXX they indicated they would submit the request. On XX/XX/XXXX I received a letter from Macy 's requesting that I call their customer service number as they need more information to fulfill my request. I called that same day and spoke to a customer service rep who indicated that my purchase was NOT allowed to be transferred into the promotional APR. He did not provide any explanation as to why not.
Complaint sub-issue: Account information incorrect

A company called XXXX XXXX reported 2 accounts on my EQUIFAX account.I try to contact that company to ask where those accounts come from and they do not have a correct info they was told to me that they are a third party collection company.I ask for accounts information and they have not all completed info.I contact equifax to complain and they was told to contact that collection agency, after i explain that i contact the collection agency and they do not have correct info, still EQUIFAX refuse to resolve my problem and they still have on my file those information even that they are incorrect and with errors.This is action a taken against me is on unappropriated.With out any prove they keep still on my file those reports
Complaint sub-issue: Was not notified of investigation status or results

I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD
Complaint sub-issue: Account status incorrect

I have sent XXXX of XXXX NC several certified letters to have this resolved and i have also wen in person and made several calls, but no one has ever 
esponded to anything have tried to do. I see on my credit report that this account is listed as open with a balance and to be honest the car was a lemon and i had to have several repairs on the car i was told if i just give it back we will call if even. but i see now that they are reporting incorrect information and i have tried for years and so many time to get this fixed they wont call back or even write a letter back i see that someone signed for the letter of dispute. I really need help this is unfair i have reached out to your company for help before but i have not or maybe don't understand what's going on. Please help me i have tried so hard to get this fixed. 
Thanks so very much signed a person being honest and trying to fix the wrong that has been done to me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ACCT 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: Received bad information about your loan

Have called numerous times regarding a student loan refund. On XX/XX/2022 I called MyFedloan and a refund request was submitted. Called XX/XX/XXXX and was greeted with an automated messages saying my refund was processing. Called again XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to which I was greeted with the same auto response stating the refund is processing. I called again on XX/XX/XXXX and went to the regular menu. No auto response regarding my refund request, so I spoke to a representative who confirmed it was still processing. On XX/XX/XXXX I called again and was greeted with an automated messages that states MyFedloan does not service my loans and they were transferred to XXXX. I called them to get some information and was told they have no record of me being a customer and that it may take until XXXX to sort through the new accounts and at the point I would have to resubmitt my refund request. I immediately called MyFedloan back ( XX/XX/XXXX ) to confirm this and MyFedloan stated that it does not matter the loans were transferred and they can see my refund request was approved by the DoE on XX/XX/2022. They stated I should expect the refund shortly. Today is XX/XX/XXXX and I have not received anything to date so I called MyFedloan again today and was told by a representative that they can see it was approved but I will not receive anything and will need to re-request it through XXXX once they set my account up. Reading online and seeing that people requested around the same time I did and received their refund in half the time is a little concerning considering my refund request was approved since XX/XX/XXXX after having been requested on XX/XX/2022. Any information regarding this would be appreciated. Thank you.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Due to the COVID-19, I contacted Lending Club for suspension of my automated deduction payments until I return to work and start earning steady income. They agreed to suspend the payments for two months and contacted me to start making payments in XXXX after suspending payments for XXXX and XX/XX/2020. I told them that I had not been able to start working yet due to the uptick in COVID-19 cases in Texas but they told me that at least I should do whatever it takes to makes interest payments so they deductted {$370.00} from my checking account and scheduled another interest payment for the same amount for XX/XX/2020. Despite the hard times, they also sent me an email demanding another payment of {$890.00} on XX/XX/2020, thus collecting two payments within the same month despite the fact that I have not been able to return to work. I tried to call them to explain but nothing changed and they told me that they were going to damage my credit if I don't make the payments. Anytime they will attempt to deduct any payments from my account and there are insufficient funds, the bank will charge me fees adding more to my debts.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing a number of errors that I found on my credit report. But the buros have ignored me. 

I have seen accounts in Charge Off with balances owed and I am fully aware that this type of account can not have a past Due or different dates reported in each bureau. I am collecting all my evidence to continue filing complaints against the bureaus.
Complaint sub-issue: Frequent or repeated calls

Product was ordered and total amount was charged in the amount {$100.00} my credit card was charged twice for the same item which in total was {$79.00} on XX/XX/20. The said vendor paid made good on the two items in which they were both returned to them. The credit card company representative whom I spoke with on the telephone was informed to closed the account in which there is no balance that is owed by myself. The credit card company calls everyday after informing them to close the account and I have no balance owed to them.
Complaint sub-issue: Problem with fees

I have had Macy 's credit card for years. I used it occasionally and always paid full balance down if I get the statement in time or can access it online. 
It's extremely complicated to manage the account online. They have separate userid for Macy 's ( for online shopping ) vs store credit card vs store card with AmEx. 
They never send statements or payment reminders in time and mostly I got physical statement when I'm already past due and charged late fees and interests. Multiple occasions I ended up paying those extra fees and interests. 
Finally I was done with it as I closed my account over phone and paid outstanding balance one last time. 
Somehow they figured out a way to charge me additional fees or something. I have no idea what. But now I have a {$14.00} balance that 120 days due at credit bureaus! Only {$14.00}! 
I never received any communication about this {$14.00} ( no mail/ email/text/phone! ) For this my credit score has dropped by almost XXXX points! ( went to XXXX from XXXX! ) The reason I'm complaining to cfpb now instead of picking it up with Macy 's again I think their ambiguous practice may be hurting a lot more customers than just me.

I would expect cfpb to force them to take action in terms of cleaning up my credit history and take a hard look at their bad operational practices.

Also my shopping in Macy 's has reduced over last couple of years part of my annoyance with their credit card. I may never shop at Macy 's anymore and use others instead.
Complaint sub-issue: Information belongs to someone else

This account is reported as Collection/Charge off but it is showing Balance of {$12000.00}, you know a charged off account should be XXXX balance. According to my research 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' so there should have no late payments in my credit report. Furthermore, 15 USC 1605 ( 5 ) states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is obviously a noncompliance of the law to report it with profit loss write off. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
Complaint sub-issue: Account information incorrect

XXXX  XXXX XXXX Balance Owed : {$570.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Complaint sub-issue: Debt is not yours

XX/XX/2017 XXXX Of XXXX center for {$340.00} made efforts to explain situation with the company and that the debts were wrongfully charged.
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 XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Online IN SV XXXX, XXXXXXXX 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
Complaint sub-issue: Banking errors

sir, this is the second time i am submitting this complaint. previous complaint on this issue brings no reply from bank. i filed the previous complaint when i was in immigration custody. following is my new mailing address. 

( 1 ) : Dear CFPB. I am a victim of a fraud by Bank of West and I need your help. The details are as follows. I had a checking account with this bank. Account number XXXX. In 2012 a perpetrator made withdrawals from my account using debit card for a total of around {$6000.00}. see attached, which is a copy of bank statement. When I discovered, I filed a claim and submitted the paperwork. The bank was slow, very slow. I had a heated argument in the branch because I need the money for my business and bank did not provide provisional credit. 

( 2 ) : In retaliation, the manager closed my account. notifying me that my account is closed on XX/XX/2012. After closing the account, they completed the investigation regarding the withdraws and concluded in my favor and issued a cashier check of {$6000.00} see attached which is a letter from bank notifying me that a cashiers check is issued ( not mailed ). 

( 3 ) : Either way, I kept waiting for a year and keep calling the helpline. It took me 25 minutes to get hold someone and another 35 minutes to explain and seek issue for the cashiers check. 

( 4 ) : After numerous calls, I received a cashier check of {$43.00} which was a joke and as a protest I never cashed it. I am deprived of my hard earned money. Please help I appreciate. 

XXXX XXXX XXXX  # XXXX , XXXX # XXXX, XXXX  " XXXX  '' XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX