Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I made a payment with AES in early XX/XX/XXXX. I asked that a scheduled payment be cancelled. The customer service representative agreed. The payment was not cancelled. 

Today when I called to ask about the cancelled payment, I was told that my money would be returned in 7 to 14 days. After 14 days, I checked and discovered that my refund has not been processed. On this call, I was told that ( 1 ) the refund request was being reviewed, ( 2 ) the review process can take 10 days and ( 3 ) if the review results in a refund, it will take 30 days for that refund to be issued. 

I was concerned because none of this information was shared in my previous call. I asked the customer service if the process for refunds was listed online because I would like to review it. The representative checked and said that the process was not online. She asked if I wanted to see if the policy could be sent to me. I said yes. The company agreed to send me a special letter outlining their process. 

The process for this company should be ( 1 ) clear and ( 2 )  easy for the customer to find.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on equifax, XXXX and XXXX. I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.
Complaint sub-issue: Account information incorrect

i contacted the companies regarding false information on my account and it wasn't properly reviewed by credit bureaus. so, I took it Apon, myself to search laws regarding this here are a few that was found and need to be followed by them. My address is still wrong on all of the bureaus. all violations on credit reports are attached. also is an attachment from FTC 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 
( 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 ; 15 U.S. Code 1681s - Administrative enforcement ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.
Complaint sub-issue: Account status incorrect

In equifax current Credit report # XXXX summary shows 3 accounts with negative information, however after reviewing the 105 page report, I can not find anything that is considered " negative ''. What I did note was a missed payment on account XXXX which was closed and payed. There are NO designators to show a negative designation. 
My opinion and concern is that creditors are mislead by the summary of 3 negative information, and make their decision based on the Summary, since I don't believe lenders will review the data. 
In Credit report # XXXX ( wife ) it shows in the summary 1 account with Negative information, review of the 52 page report # XXXX incorrectly/improperly and erroneously reported in payment history. The designator is incorrect showing payments for XX/XX/XXXX and XX/XX/XXXX, when NO such payment was ever made. As a matter of fact XXXX XXXX XXXX has reported that there was NO payments due from XX/XX/XXXX to date. The payment history in report shows payment from XX/XX/XXXX to XX/XX/XXXX. 
The improper reporting, the lack of promp update of the file, coupled with ONLY a summary that is incorrect and does NOT reflect the TRUE status resulted in XXXX XXXX action of reducing available credit from XXXX to XXXX and possible other unknown lenders misconception leading to denials of credit
Complaint sub-issue: Account status incorrect

I finally received rather full copy of my XXXX credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old XXXX XXXX loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX XXXXXXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL office you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both XXXX XXXX locations XXXX XXXXXXXX IL and XXXX IL and their corporate office as well as to XXXX, Equifax and XXXX!!
Complaint sub-issue: Didn't receive enough information to verify debt

I received a notice to collect debt from procollection from a leasing apartment XX/XX/XXXX I didnt not lease from. They did not mail anything in mail previously before and account was filed in XX/XX/XXXX. Now they reporting my name to collection XX/XX/XXXX and I never signed document for XXXX XXXX XXXX, I have a family member who did however my name is not on the lease. I called XX/XX/XXXX they demanded a payment even after I sent in the move in statement from family member name on it and I explained to them to email the with proper documentation. The manager sent my sister and I an question mark.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX  has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. experian 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 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 XXXX 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 XXXXThis 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 accounts 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 10 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought two gifts cards from a store in XXXX. They were XXXX XXXX cards, and XXXX told me that the gift cards were fraudulent and already applied to another user 's account. They advised me to contact my bank. When I contacted Citibank ( Sears Mastercard department ) they initially processed the claim but then reverted the credit without providing me any information. Then over phone and secure messaging, I have been provided false information again and again, after several complaints, I received a letter which was stating that, the merchant doesn't accept returns on gift cards. My case was never about the returning the items, I provided them all of the information and email exchanges with XXXX. Now, either the people on the customer service has no idea what's going on or they only reply to my messages on average 10-15 days. Now, they claim it is too late to respond to the merchant.
Complaint sub-issue: Problem getting my free annual report

I ca n't seem to access my credit report. Even on my XXXX credit monitoring, my Equifax report does not come through. Can I be provided with the Equifax confirmation number so I can look at my report for any inaccuracies.
Complaint sub-issue: Information belongs to someone else

DURING THE YEAR XXXX, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since XXXX, on numerous occasions almost every month, I have filed disputes after disputes to Equifax, XXXX  and XXXX  Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with XXXX  2.  XXXX  XXXX XXXX {$6000.00}. with XXXX & EQUIFAX 3. XXXX XXXX XXXX XXXXXXXX {$4000.00}. with XXXX I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.
Complaint sub-issue: Didn't receive enough information to verify debt

This is my second complaint about this matter, this information is NOT being properly investigated. 
original response from Equifax Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 

I HAVE INCLUDED WHAT THE COMPANY SENT ME STATING THEY HAVE NOT COLLECTED ON THIS DEBT AND IS ASKING EQUIFAX TO REMOVE IT. EQUIFAX IS REFUSING TO REMOVE THIS DEBT FROM CREDIT REPORT!
Complaint sub-issue: Debt was paid

On XX/XX/2017 I changed my wireless mobile provider from XXXX XXXX to XXXX XXXX XXXX. When I left XXXX wireless my account was in good standing with {$0.00} balance owed. Several months later I received a bill from XXXX XXXX in the amount of over {$1200.00}. When I called XXXX XXXX and attempted to find out what this bill was for, no one could figure it out and stated to me they arent sure. I advised them that I was not sending any payment to them unless they can clearly explain to me what the bill was for, because I confirmed via telephone with a XXXX XXXX representative when I made my last billing cycle payment that there was absolutely nothing left else I owed ( hidden cost, termination fees, etc. ). But he insured me that there was nothing else. For a few more months I attempted on multiple phone calls to them over and over again to find what this bill was I received for more than {$1200.00} but every time, not a single person understood it and was not able to explain anything at all to me. Eventually they sent it to collections where it still remains and continues to hold my overall credit score down. After a few months of it being in collections I went to a local XXXX XXXX corporate store and went over the bill with a manager there, who was the first intelligent person to figure out what they were looking at and explained to me it looks like XXXX XXXX continued to bill monthly cycles under my account, even though the account was terminated the day I switched to XXXX XXXX XXXX. How do you bill Someone for months that isnt even no longer a customer? This is a huge mistake on XXXX part and because of their negligence, my credit has been severely damaged! I cant even talk to someone with XXXX XXXX to have them straighten it out since its there fault, because they told me they no longer hold the account, and that the collection agency ( Jefferson Capital ) now holds the information. And when I called Jefferson capital to notify them that they were sold a bogus account from XXXX XXXX, they advised me there is nothing they can do for me and just kept asking me how I want to pay it? I told them I was not paying anything because there was no debt in the first place. I need this matter to be deleted from my credit history and wiped clean immediately. This has been so unfair and has really caused a lot of headaches financially for me.
Complaint sub-issue: Trouble with how payments are being handled

I have struggled with determining how much I owe to AES. I have two loans : 1. XXXX XXXX ( {$77000.00} due ) 2. XXXX XXXX ( {$3000.00} due ) When I log on to the account, I can not determine which loan payments apply to which accounts. I can not view the details for both loans. When I called two months ( XX/XX/XXXX ) ago to alert them to the problem, they said they would fix it, apologized for the debt calls, and told me I was up to do date. Since that time, I have made 3 payments : XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX The amounts vary from the monthly due amount because their online system always states that I owe a late fee. 

I received a debt collection call that I was XXXX past due. I knew this could not be true because I was told in XX/XX/XXXX that I was up to date. Since XX/XX/XXXX, I have made {$650.00} dollars in payments. I logged on to see how much I owed. It is unclear because the 2 loans are not reflected in the correct place. The AES customer service employee told me to " disregard '' the summary at the top and just focus on the " payment '' portion. I did. However, the payment history does not accurately show how much I have paid. For the XXXX XXXX account, it does not show a payment history at all. I scrolled to the bottom. I tried to pull up the paper/pdf bills. They both are labeled " XXXX XXXX : and only one contains a pdf/ The only pdf is for the XXXX XXXX account. i am not able to view the XXXX XXXX bill at all. The customer service person hung up on me when I asked for more details. I called back, and I was disconnected. I am very frustrated. I am just trying to pay the bill, but I would like the account to accurately reflect the amounts paid and applied to the correct loans. I want to resolve this, but I can not do so if I have no way of determining the amount owed, past amounts paid, and what amounts were applied to which account. Please help me determine the following : - A full accounting of each loan for one year ( XXXX XXXX- XX/XX/XXXX ). 
- Corrected online information for accurate viewing, paying, and bill summary.
Complaint sub-issue: Account status incorrect

I have an account with XXXX XXXX XXXX that is closed. But is no reporting as open on my credit report. This account has been closed for over a year. I 've requested to have the account removed and is now reporting as open all of a sudden. And it says I 've paid 100 % percent of the balance as a charge off. This information is inaccurate and hurting my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( 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: Account status incorrect

I have contacted them several times about 3 late payments that were not late and they told me that they would fix it. They fixed one late payment in XX/XX/XXXX but notXX/XX/XXXX or XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon checking my report I noticed that a collection agency XXXX XXXX XXXX was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to XXXX XXXX XXXX for these accounts they reported to the credit bureaur Equifax The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XX/XX/XXXX I received notice from Equifax stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency XXXX XXXX XXXX, I was made aware only after pulling my credit report. Equifax is violating the FDCPA by reporting debt that has not been proven to belong to me.
Complaint sub-issue: Debt is not yours

First federal collection agencys continuing to validate an account that doesnt belong to me despite my request for validation. The company never validated debt to me but continues to validate this account. Im going through paperwork and just notice that other bureaus removed this debt but its still reporting on equifax. Ive attached documents
Complaint sub-issue: Personal information incorrect

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ XXXX
Complaint sub-issue: Debt is not yours

I recently sent out a debt validation letters to IC systems as they are reporting a XXXX  debt on my credit report that I do not owe. I personally have never signed up for XXXX before so I found this odd. After receiving validation for the debt it dawned upon me that this debt belongs to my father who is also XXXX XXXX and happens to live with me in the same Address. The main difference in out identification is his Date of birth is XX/XX/XXXX and mine is XX/XX/XXXX. This account which does not belong to me is now impacting my credit negatively, and its something I personally do not owe.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have serious concerns that Discover Bank is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding the non-receipt of merchandise from a merchant. I believe I have presented more than sufficient evidence below, as well as corrected several misstatements by Discover, to warrant and immediate crediting of my account in the amount of {$190.00}. As I have detailed above, these procedural biases in favor of the merchant do not seem fair or appropriate, and could be due to the commercial relationship it has with XXXX. At the very least, it raises conflict of interest concerns. Any fair-minded reviewer of the evidence to date must agree the transaction should not be upheld. I therefore believe Discover is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ), and am fearful of the eventual final outcome as well.
Complaint sub-issue: Debt was paid

I FINANCED FURNITURE THRU XXXX XXXX AND WAS TOLD IT WAS FINANCED THRU  ONE COMPANY, WHEN TWO COMPANIES TOOK MONEY OUT OF MY ACCOUNT I REPORTED THE COMPANY I WAS UNAWARE OF AS FRAUD, XXXX XXXX DID AN INVESTIGATION AND DECLARED IS WAS FRAUD AS WELL, THREE MONTHS LATER THE COMPANY CALL ME AND TELL ME THERE GOING TO REPORT IT AGAINST MY CREDIT, AFTER THEY CONTACTING ME FOR THREE CONSECUTIVES WEEKS AND SENDING ME A CONTRACT THAT WAS ELECTRONICALLY SINGED ( WITH MY NAME BUT NOT BY ME ) I REALIZED THEY ALSO FINANCED MY FURNITURE SO I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME, A FEW MONTHS AFTER THAT I WAS CONTANTED SAYING I NEEDED TO PAY THE {$590.00} DOLLARS THAT I DISPUTED THRU THE BANK I REFUSED TO GIVE THEM MY BANKING INFORMATION AND THEY REFUSED TO TAKE A MONEY ORDER AFTER A FEW WEEKS OF ARGUING THEY AGREED I CAN GET A PREPAID VISA AND PAY THE TOTAL, WHEN I CALLED BACK TO PAY, THEY REFUSED AND NOW ARE CLAIMING THAT I OWE THREE THOUSAND OR SO ODD DOLLARS AND I REFUSE. I AM WILLING TO PAY THE MONEY THAT I DISPUTED THRU THE BANK BU NO MORE THAN THAT, THEY HAVE NOW REPORTED IT AGAINST MY CREDIT BUT I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME OF {$3600.00}.
Complaint sub-issue: Reporting company used your report improperly

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

The credit bureaus are illegally reporting inaccurate information on my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a credit card with Citibank Citi Cash Card. 
Citi bank made a mistake on their billing. 
They charged me twice for the same debt. 
I called them and they insisted there were no errors. 
This has been going on for 4 months, they did not send me any information about my dispute.These people still owe me {$1800.00}. 
I have not received any information with details of my real debits, the last statement dated XXXX XXXX a balance of {$2000.00}, according to my bank statement {$1800.00} was entered twice.