Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I noticed a large transaction on my account which I called DirectExpress about and made a claim for {$720.00}. The customer service rep noticed another transaction from the same merchant ( XXXX ) for {$180.00}. The customer service rep told me that my card would be canceled and a new card would be sent out. In the meantime I could not get into my account while waiting on my new card. When my card arrived I was able to access my account and found three more unauthorized transactions, 2 from XXXX XXXX, and 1 from XXXX XXXX, Totaling {$99.00}. Neither of the 3 merchants have I ever ordered or dealt with before. 
After a few days I called to follow up and was told that my paperwork was not complete. I redid my paperwork, followed up a couple of days later, was told that my paperwork was complete. I informed the customer service rep that I really needed my account to be credited because I had bills that needs to be paid, especially my mortgage and I would really appreciate if I could receive funds credited to my account. I was told by the customer service rep that they would note my account so the investigators would consider crediting my account. I followed up two days later and was told my claims were denied, and they could not give me a reason why I would have to wait on the paperwork to come through the mail. The reason given was I had given authorization to the hackers to use my card, which is ludicrous. Come to find out they have one merchant listed on my first claim that I use frequently and they used that one merchant to decide to deny both claims. If they had looked at ( MY ) paperwork, they would have seen that I only have listed the one merchant ( XXXX ) which had two transactions and on the other claims I have three transactions, XXXX from XXXX, XXXX from XXXX XXXX, which Ive never ordered from. But they used this one merchant ( XXXX XXXX XXXX ), which I use frequently, that should NOT have been put on claim list, And made a total denial determination on both my claims. Only if they had truthfully done an investigation, looked at MY paperwork, they wouldve seen the transactions that I was claiming. But they did not! It makes me wonder how many other veterans or senior citizens or anyone are getting XXXX by DirectExpress. Its disheartening to know that a big company like this is contracted by the federal government is treating veterans and others in this manner. Its sickening!
Complaint sub-issue: Need information about your loan balance or loan terms

I graduated from XXXX XXXX in XXXX, and my loans entered into repayment in XXXX. The loans at issue are through Discover Student Loans. I initially set my loans on a ten-year repayment plan and my monthly payments were approximately {$650.00} / month. In XX/XX/XXXX, i was switching jobs and wanted to set my loans to a 20 year term ( i.e. so they would be paid off in XXXX ). Discover adjusted my payments, and my payments went down to {$220.00} / month. I made the same {$220.00} payments for five years until in XX/XX/XXXX, when Discover unilaterally increased my payment amount to {$2600.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted Discover, they said that the only documentation they had was that my loans were on a 10 year term, and therefore they increased my monthly payments to {$2600.00}. However, Discover is ignoring that my statements and payments for the past 5 years reflected a 20 year repayment schedule. I believe that Discover did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.
Complaint sub-issue: Problem with customer service

On Saturday XX/XX/XXXX someone tried to take {$730.00} out of my cashapp account. Cashapp locked my account for my safety os what they said, and to contact cash support. I have contacted cash support all weekend with no response. Monday morning at XXXX XXXX  I received an email from an advocate named XXXX from cash app stating that they apologize for the late response and someone will get right on the problem. Still there was no response after that. So this morning I tried to contact cash support once again to resolve my issue and I received and email stating that my case had been closed for not responding for over a week. Which is not true because it hasnt been a week and I never got anything else from them. Now when I try to email cash support it says I cant contact them at this time and I should try again later. This is very disappointing all I want is for my issue to be resolved and my money back on my card. I told them I would also like to change all my pins/codes and request another card. If someone would help me with this issue it would be greatly appreciated. I work too hard for my money for it to just be locked in an app, with no human rep to speak to about my issue.
Complaint sub-issue: Account status incorrect

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report and showing balances. I have disputed the information several times with Equifax due to both of these items were included in my bankruptcy. Equifax has yet to update and validating the debt
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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.C. 1681s-2 ( A ) ( 1 ) 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: Problem with personal statement of dispute

Nelnet student loan services did not properly inform consumers regarding placing commercial student loans into forbearance during the COVID-19 pandemic. Nelnet representative stated while federal student loans were automatically placed in forbearance consumers would have to call Nelnet and request to have commercial loans placed in forbearance. Consumers would find out about commercial loan forbearance only if a call was placed to Nelnet by the consumer. My commercial loans were placed in forbearance and is still reporting more than 120 days late. I have tried numerous times speaking with Nelnet representatives to have the late inquiries brought current on my credit report as my federal student loans have been without success no assistance regarding what needs to be done to expedite the process. I spoke with XXXX in the solutions department who states he will file a consumer complaint on my behalf regarding my concerns. This representative was not informative nor helpful.
Complaint sub-issue: Deposits and withdrawals

My checking and savings account with Citibank was put on Hold / Account Frozen status on XX/XX/XXXX without any reason given. I was prevented from accessing any of my money which I needed to live, for rent and food etc. 

On XX/XX/XXXX I was told if I drove to a branch that would be the only way I could withdraw money. I drove almost an hour to the nearest Citibank branch, spent over an hour with the banking associates there, only to be denied access to money again. 

I made two more calls on XXXX and XXXX only to be told different stories each time. The first representative told me my account had been closed and I would recieve a check in mail in 7-10 days. When I made a follow up call on XXXX I was advised my account was still open, but on a hold/ frozen status and that I wouldn't recieve my money for 30-60 days. 

I have kids and a family and I need this money to survive. They still have given me no reason as to why the account was placed on hold or frozen. Each department blames it on the next and I have not been given any final conclusion.
Complaint sub-issue: Debt is not yours

XX/XX/2018 {$450.00} owed AR Recovery Resources I have disputed this matter 4 times and contacted company and they can not tell me who thebcollection agency is butnit is on my credit report and i have not had any debt collectors since my chapter XXXX bankruptacy 3 years ago. So thisnis not my account and it needs to be removed immediately.
Complaint sub-issue: Account status

I have been disputing this company for months and frankly very very tired. Now I am trying to get a rental home and pay $ XXXX/month instead of {$2000.00} / month to live in a hotel room. I request that you please immediately delete and/or update immediately the incorrect balances as Equifax is defaming my name.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I started to dispute some accounts that are not reporting accurately. None of the bureaus responded to me the way that they should so I sent another dispute to them on XX/XX/XXXX. They've STILL not responded at all, so today, XX/XX/XXXX I am submitting a THIRD dispute to the bureaus as well as this complaint.
Complaint sub-issue: Investigation took more than 30 days

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Complaint sub-issue: Information is not mine

I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. Equifax sent me a letter XXXX 2017, stating, that I can not dispute this account anymore unless I provide documentation. How can a person provide documentation to an account that is not theirs. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureus, especially Equifax is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. And I do not appreciate Equifax sending me a letter stating, they will not verify again. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, XXXX I was notified that my personal information including name, credit card information, and social security number were acquired illegally and without my consent or authorization from Equifax. This information could be used to harm me financially for the rest of my life, but Equifax only offered 1 year of credit protection service provided by them. This is absolutely no consolation and inspires no confidence as they 've already proven they are incapable of protecting my information.
Complaint sub-issue: Deposits and withdrawals

A check {$8700.00} was issued to me by my insurance company ( XXXX XXXX XXXX ) against a home insurance claim. Per the issuer, the check has been processed by my bank ( Citibank ). However, I still don't see the money in my account. 

Repeatedly tried to reach Citibank and see no rep addressing the issue. Only see reps interested in closing the tickets on false grounds. Saying I am disappointed with Citi is an understatement. Lack of empathy. 

So where did the money go? Has a fraud occurred here? What are my rights as a consumer of Citi banking services?
Complaint sub-issue: Old information reappears or never goes away

I have attached numerous times a copy of my utility bill with my disputes through CFPB and Equifax states that they have not received not one document that I have downloaded to prove that this address is not one of mine. Equifax removed information from my report and reinserted the erroneous information again although I sent in proof of my address. XXXX account is not my account I do not have a mortgage loan, I do not live at XXXX XXXX XXXX XXXX, XXXX ohio XXXX. I requested credit applications bearing my signature and XXXX failed to send my what I requested. I am tired of going back and forth this is RIDICULOUS! No one is doing there job! I don't understand why going through CFPB makes a difference because it does not! I have sent in documentation several times and still there is erroneous accounts on my credit report that is damaging! The CEO of Equifax is XXXX XXXX I wonder did he go through this process when there was a breach in Equifax! I have attached for the last time a copy of my utility bill. NEVADA IS MY HOME AND IT HAS BEEN FOR SOME YEARS! REMOVE XXXX, ANY AND ALL ACCOUNTS THAT IS LINKED TO XXXX XXXX XXXX XXXX, XXXX OHIO XXXX AND REMOVE XXXX XXXX XXXX, XXXX OHIO XXXX WHICH I HAVE NO CLUE WHO ADDRESS THAT IS! I WILL BE SEEKING LEGAL REPRESENTATION! DO NO SEND ME A EMAIL STATING THIS XXXX IS VERIFIED WITH NO DOCUMENTATION! DO NOT SEND ME A EMAIL STATING IT IS A DUPLICATE IT WAS NOT RESOLVED THE FIRST TIME!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Today I was speaking with a XXXX XXXX XXXX XXXX representative on chat and they asked for my SSN I declined. As I was asking for pricing and possibly cancellation of service, I received an email from my credit monitoring service. XXXX XXXX XXXX XXXXXXXX XXXX.-XXXX  made an inquiry on my credit. This was not authorized. I wasn't even asked. I confronted the representative that I was corresponding with and they said they did not run a check. But I got the notice literally seconds after I declined his inquiry. I also have the chat screenshots, email of the notification and the hard inquiry on my credit. This is beyond UNACCEPTABLE. I need assistance as XXXX XXXX XXXX has only directed me to a fraud page instead of removing the inquiry. It needs to be rectified. I take care of my credit and this will negatively affect me. 

Please help!
Complaint sub-issue: Debt is not yours

Medcah is repeatedly calling stating unpaid debt without contacting my insurance. 

I have talked to XXXX and they confirmed MEDCAH INC. has not contacted them at all. 

The lady on the phone was rude and dismissive and unhelpful. 

I emailed MEDCAH the following based on XXXX guidance : I contacted XXXX They said you did not contact them in regards to this claim. Fax them the claim at XXXX or mail them at : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

I have zero patience left.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled my credit report a few months ago and realized inquiries reporting that I didn't contribute to. I have disputed the inquiries with the all three credit reporting agencies because i have never done business with the said companies and Equifax is the only company that refuses to remove the inaccurate information. Each time i've disputed, I receive what seems to be an auto generated response, which means that the items haven't been investigated. The following inquiries are : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX is order # from best buy for {$580.00}. Item was not sent by merchant and XXXX at Citibank refused to dispute the charge. Customer spent two hours plus trying to resolve dispute with BestBuy and Citibank to no avail. They failed to send item and yet I'm still being charged. Totally disgusting. Item purchased on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX / XXXX /   17  I sent Equifa x Credit Information services,    XXXX    XXXX  and   XXXX    a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On  XXXX / XXXX / 17  I received a response that  XXXX   XXXX  had provided verification this information was correct. Prior to me sending a letter to Equifax,  XXXX  and  XXXX , I froze my account with  XXXX   XXXX  and have a letter verifying this was done, so there would not have been a way for Equifax,   XXXX   or  XXXX  to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my Equifax,  XXXX  and  XXXX  credit file permanently.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it. Various inquiries were made in my name and asked to be removed because they were made in my name under false pretenses : XXXX XXXX ( XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX/ ; XX/XX/XXXX ) XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ; XXXX - XX/XX/XXXXNot mine and should be deleted. Name I contacted Equifax about this via email and over the phone months ago. Equifax continues to simply say its been verified. I then mailed hard copies of my ID Theft report along with my police report copies, and even ID theft report and ALL required documents such as my Social security card info, passport, utility bill copy and drivers license. Equifax continues to either ignore or stall my request. XXXX  and XXXX  looked at the same info that was sent and removed the unlawful reporting status on my reports. Equifax has not done anything but ignore my request. It does not take months to investigate disputes when i have sent all necessary documents in.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There is an account that appears on my credit that I believe is a result of identity theft because it is not mine. I have filed a police report and a report at Identitytheft.gov. Both have been sent to the credit bureau and they refuse to delete the information from my report. They have ignored my numerous letters and calls dating back to XX/XX/2019. I'm assuming maybe because they see that I'm a XXXX XXXX from my proof of identity documents that they feel they can just ignore me. I've gone through all the proper protocol and they continue to ignore me, which is resulting in me not being able to purchase another car for work.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX, I received a letter from Equifax stating that the wrong addresses that is being reported on my credit file had been deleted but according to my credit file on XX/XX/XXXX, incorrect information is still being reported
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, I settled two accounts with XXXX XXXX XXXX XXXX ( settled for less than the full balance ). In XX/XX/XXXX, I received settlement letters from XXXX XXXX XXXX XXXX and their servicer XXXX. After receiving these letters, I had a credit specialist assist in expediting the updating of the accounts on my credit reports so I could proceed with buying my home. The accounts were updated removing the active balances on XX/XX/XXXX. On XX/XX/XXXX Equifax added the balances back to the accounts, dropping my score XXXX points. I filed two disputes per account to Equifax. Equifax claimed they didnt have the settlement letters, so I uploaded them with my second dispute and faxed them to Equifax. Despite having these letters, Equifax has refused to update the balances on the accounts. I made contact with XXXX XXXX XXXX XXXX to ask for an update on my accounts. XXXX XXXX XXXX XXXX has let me know two things : that the accounts are settled in their system, no balances due from nine to them AND that Equifax has not made an attempt to contact them, despite it being a requirement for them to reach out to the creditor for verification of the status of the account. I have also not been able to review the results of my last two disputes as they are inaccessible when listed online, and they have not mailed me the results as required. The only results I have received have been by phone, telling me that the balances have been deemed accurate as reported. During my last phone call at the end of XXXX with Equifax, I submitted a formal complaint regarding the dispute department. The customer service representative I was talking with agreed with me that the account should not be carrying active balances that are affecting my credit score since I settled them and have the letters to prove it.
Complaint sub-issue: Their investigation did not fix an error on your report

1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to present ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XX/XX/XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.