Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

Justify your action for closing the account I never made the state that this account was open fraudulently. I tape recorded the conversation too. 
Account Center Last 4 # : XXXX Discover logo XXXX XXXX XXXX, your temporary password for Discover.com has arrived Your temporary password is : XXXX Phone number and address was verified also the charges on the account were verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter. 
Send out another card to my address or Or keep the account close and I will not be responsible for any charges on the account. 
The Company close the account they stated they have noted that the account was open without my consent. 
So, they close it and they are responsible for any action of their employee regarding what every the person wrote I never made this statement XX/XX/XXXX, XXXX Survey from this company XXXX  XXXX ESPANOL How would you rate us? Wed love to hear what you have to say! 


This is a reminder for an email you received XXXX days ago. We are following up because Discover is interested in getting your opinion regarding a call on XX/XX/2021 with Discover Customer Service. Your response on the level of service you received will help Discover improve their service quality. The survey should take just a few minutes. Please note : This survey does not require any personal identification or account information. 
How satisfied are you overall with Discover? 

Very Dissatisfied Neutral Very Satisfied 1 2 3 4 5 6 7 This survey link will expire in two days. 

Thank you for your time and participation. Your response will help Discover better meet the needs of customers like you. 

Sincerely, In Moment on behalf of Discover Customer Service Sent payment statement Your statement is ready Your statement will arrive in the mail. You may also log in to your Account Center to view it online. 
Statement Date : XX/XX/2021 Statement Balance : {$4700.00} Your minimum payment of {$96.00} is due on XX/XX/2021. 
View Statement
Complaint sub-issue: Problem related to refinancing

I recently refinance my XXXX XXXX XXXX with another lender. My old lender Flagship Credit Acceptance has refuse to show on my credit report that the car is paid off and the loan clear. They told me it will not show until the first on the next month. I refinance the vehicle around XX/XX/XXXX. My new lender sent them the check for the remaining balance on the car. In most cases XX/XX/XXXX being the next month and my credit report should of reflected that the loan had been paid in full. They said it would not show up until XXXX which is currently showing up as 2 debts on my credit report and causing my score to be negatively affected. They need to adjust my report for the correct pay off debt amount so it will reflect a better rating on my report. This amount should show paid in full.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax : ref XXXX letter of violation FCRA623 and FDCPA806 { b } which states that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit report, : you have been reporting with out listing dispute for last 6 months sense i started disputing this account { 1 } no dispute information { 2 } no last payment { 3 } showing a balance { 4 } No information on who claims they own account but reporting XXXX XXXX Who do not own account You equifax could not of investigated this account when asked because the information was wrong you are required to remove this at once NO 60 Investigation on your self for violation REMOVE AT ONCE FROM MY REPORT
Complaint sub-issue: Problem during payment process

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Complaint sub-issue: Account information incorrect

Almost two months ago my XXXX Credit Card balance was higher than its ever been and I immediately paid it down, almost to zero. To THIS DAY, the card company, XXXX, and Equifax will not report it as decreased so my score will go up BUT THEY SURE AS XXXX MADE MY SCORE DROP 62 points when I used my card!! UNBELIEVALBLE
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to provide me with the documentation with the original signatures proving the accounts do in fact belong to me.
Complaint sub-issue: Trouble with how payments are handled

I 've had issues with Nelnet and the distribution of payments since I began paying off my student loans a few years ago. An article for the CFPB suit filed yesterday against Navient caused me to look into my own payment history. Sure enough, for the last XXXX months, my payments have been distributed to only XXXX of my XXXX loan groups. This issue has occurred on multiple occasions and normally handled with a call or a Live Chat session ... until the next time I look at my account. The reason I get from the representative is that since I voluntarily paid more toward the XXXX loan group ( added money on top of my autopay ), they were distributing my automatic payment to the other XXXX groups in an effort to catch up. This XXXX loan group, although I am ahead on my scheduled payment, stays idle and collects interest. For the last XXXX months, my automatic payment has not been distributed to all XXXX loans and I am collecting interest on this neglected XXXX loan group. 
In addition, you are able to autopay more than the minimum but that will be distributed throughout all of your loan groups. Nelnet makes you need to go to a different part of their site to specify an additional payment to any XXXX specific loan group. One of the most efficient and effective way to tackle student loans is to target the highest interest rate loans. Nelnet makes it inconvenient to pay by specific group by not allowing you to automatically pay extra to any XXXX specific loan group. 
This is a regular occurrence for me, and with the recent claims against Navient, I would not be surprised if this was occuring with Nelnet as well. I am diligent in paying off my student loans, but I am submitting this complaint on behalf of the thousands of other students buried in student loan debt who are potentially being taken advantage of.
Complaint sub-issue: Report provided to employer without your written authorization

I, XXXX XXXX, the consumer was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties like XXXX, XXXX, and XXXX. Discover Bank never gave me an explanation on how I can exercise my nondisclosure options. With the directions pursuant to 15 united states code 6802 ( e ) ( 2 ), I am demanding you to remove my account from my consumer report immediately before taking legal actions against your company.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent Equifax a letter informing them that they are reporting inaccurate information of a account that is not mine. ( XXXX XXXX XXXX  ). I asked them to plz validate the information with XXXX and to send me any documents that will prove that it is my account. ( Plz see Ex-A ). 

On or around XXXX of XXXX I sent a 2nd letter to Equifax to solved the problem that they are reporting fraudulent inaccurate information on my credit file. ( Plz see Ex-B & Ex- ( b ) ). 

On XX/XX/2020 I sent Equifax a 3rd attempt letter demanding them to delete the unknown accounts that they are reporting also to send me the method of verification they used for the despute. ( Pls see XXXX, XXXX ( c ) and XXXX- ( b ) ). 

Too date, Equifax is still reporting the above fraudulent/inaccurate information on my credit report.
Complaint sub-issue: Problem with personal statement of dispute

I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of XXXX I contacted them and they were no help I go get a loan it was because of XXXX I didn't even know I had anything to do with XXXX before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 32 charges totaling {$1400.00} were made at XXXX XXXX ; a merchant I have never transacted with before. Citi called me around XX/XX/XXXX to see if these were transactions I authorized. I confirmed they were not my charges and they closed the account for fraud and reissued me a new card and said they would remove the charges. 

In XXXX after hearing from a friend who had an issue with double charges on her Citi account, I went back and did an audit of my account. I found that they had only done a reversal on 18 of the 32 charges - leaving 14 charges totaling {$300.00} on my account. 

I contacted Citi to dispute these charges which was done. The following is where I am with those 14 disputes : -4 charges of {$140.00} received affidavit returned to the company ( assume resolved ) -6 charges of {$76.00} no affidavit received, not reversed back to my account ( pending? ) -4 charges of {$79.00} no affidavit received, reversed back to my account ( fraud that was incorrectly credited to my account ). 

I have contacted Citi several times, even spoke to a manager out of South Dakota after not receiving any resolution from the associate in the disputes department. The manager assured me the incorrect reversal would be credited to my account the following month ( XXXX ), which did not happen. 

After contacting Citi over 5 times and spending hours on the phone and offline with Excel spreadsheets and reading billing statements, I believe this needs to be escalated with the CFPB. They advertise zero fraud liability, yet I am being charged for fraud and spending hours of my time resolving the issue. The ownness is on Citi, not the customer.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Not given enough info to verify debt

I never had a XXXX phone
Complaint sub-issue: Other problem getting your report or credit score

My credit report and file was frozen by XXXX XXXX, XXXX  and Equifax without my authorization or permission. I never requested for a freeze to be added to my XXXX XXXX, Equifax or XXXX  credit report. I applied for credit and was informed that my credit report was frozen by XXXX XXXX, Equifax and XXXX  without my permission. Review the attached documentation with this complaint. I did not request or give permission to XXXX XXXX, Equifax or XXXX  to freeze my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

- XX/XX/XXXX, We purchased items in XXXX. We found the charge receipt was blank. We expected a charge of approximately {$200.00}. 
- XX/XX/XXXX, XXXX statement showed a charge of {$3500.00}. We opened a dispute with Citi Costco card via their website. In our dispute letter, we explained that the XXXX dirham was incorrect and could not have been more than XXXX and supplied a list of items purchased. This letter was transmitted via the Citi website. 
- XX/XX/XXXX, after periodically checking the Citi website for a response or progress on the dispute, we found an update from Citi explaining that the dispute had been resolved in the merchants favor due to us not responding to Citi 's request for information on the transaction.

- We made several calls to Citi 's billing dispute department for an explanation. We were told that an email had been sent to us on XX/XX/XXXX requesting information on the disputed transaction. I informed Citi that we did not receive any email and asked why they did not post the request to the website. Citi personnel had no answer. Citi personnel could not tell us if they had our original dispute documentation letter in hand or whether  the XX/XX/XXXX email was asking for additional information. Citi personnel told us there was nothing more they could do as they were required to follow Visa rules.

- Two calls made to Visa customer support suggested that Visa had only guidelines. Any rules were set by the bank and the bank was free to reopen the dispute. 
- We pulled down emails from old, unused email accounts and did find an email from Citi dated XX/XX/XXXX of XXXX. However, it was in an encrypted PDF form and was only good for 72 hours. We could not read it. Citi personnel could not tell us more about the letter.

- Calls back to Citi personnel with the information from Visa were rejected. We were told they were just following Visa rules and could not reopen the dispute. When we asked who we could  contact at Citi with a letter, we were given an address that was that of Costco. 
- By now, we are into XX/XX/XXXX. It took some time, but Costco 's local store administration had a regional Citi card employee  contact us. He did have the XX/XX/XXXX letter in the file, but it did not matter. He said there was nothing he could do. He could not explain why Citi did not post the letter to the website.

- We feel Citi acted inappropriately by communicating with us on the dispute both initially and in closing via their website, but altered the communication mid-stream with an email. This is an email that was not received and could not be read when told of its existence.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called Equifax XX/XX/2018 to talk to them about some inquiries that are showing up on my credit report that were never initiated by myself as well as a bankruptcy that I have no knowledge of. I was told that they would not be removing them and refused to even investigate on my behalf. Under FCRA I have the right to correct information on my report and wish to file a complaint because they refuse to even investigate or remove these items. I have not applied for credit and wish for these items to be removed as they are effecting my score negatively.
Complaint sub-issue: Information belongs to someone else

CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX  XXXX ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT RE [ PORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I received a mail piece offering to open a Citi checking account with qualifying actions to received XXXX Thank You points. Despite completing all qualifying actions I was unable to use the points. 
Listing below the events in chronicle order : 1. Opened an account on XX/XX/XXXX 2. All required actions were completed on XX/XX/XXXX ( this has been confirmed by numerous Citi representatives ). 
3. On XX/XX/XXXX supposedly XXXX Thank you points were credited to my Thank You account. 
I didnt receive any email notification nor did I ever see those points on my online account, even when trying to log in directly to XXXX. 
4. On XX/XX/XXXX I contacted the Citi Customer service asking about missing points, # XXXX. They suggested opening a case so this can be investigated. Customer representative informed me itll take 3-5 days to get a response. 
5. When 5 days expired I called the customer service again, they asked to wait up to 21 days for a resolution due to Citi having too many inquiries at the moment.

6. On XX/XX/XXXX I received a resolution on my request # XXXX stating that XXXX Thank You points were credited to my account on XX/XX/XXXX. 
7. On XX/XX/XXXX called customer service representative to help me see/use the points since they were still not visible on my account. They claimed that points expired on XX/XX/XXXX ( 60 days after they have been credited ) 8. Opened another dispute XXXX and on XX/XX/XXXX got a response that they cant do anything. 


While I understand that points were set to expire in 60 day, first time when I called Citi I as within the terms and points were supposed to be active. The actions taken by Citi to investigate the case made points to hit the 60 days expiration term. 
I was never given an opportunity to use the points, despite completing all requirements to get them.
Complaint sub-issue: Account information incorrect

I have contacted the credit bureau about these two same exact accounts that are on my credit profile that are showing incorrect account balances and status. 

XXXX - XXXX XXXX  - XXXX
Complaint sub-issue: Threatened to sue you for very old debt

Received three calls about a debt from 2014 that I already settled. Voicemail implying a threat of litigation. Agent with collection agency immediately started being condescending. On second call, another agent named XXXX XXXX introduced himself only as XXXX and refused to provide his full name, or state he was collecting a debt. XXXX XXXX proceeded to read off my name, social security number, and date of birth quite loudly and without verifying who I was and Id like the max punishment for that move, if there is one. He doubled down and said he do my bank account number next, all in the combative tone of a child playing video games. His supervisor XXXX backed him up and called me several names and was generally argumentative. Youre a scammer. Whoever these people are, they have no business having access to peoples information. There isnt a professional adult in the building. They call from ( XXXX ) XXXX and ( XXXX ) XXXX. Yall need to find them before I do.
Complaint sub-issue: Application denied

I am filing a complaint against Macys/DSNB because they are attempting to collect a debt that I do not owe them. That debt has been paid and the account was closed. Account Name, Macys/DSNB, Account Number, XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, Equifax Inc. announced " a cybersecurity incident potentially impacting approximately 143 million U.S. consumers '' and that " intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' On XX/XX/XXXX, I went to the Equifax website to check if I had been impacted. I entered my last name and last 6-digits of my SSN. I recieved the message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I was offered to enroll in XXXX XXXX XXXX, however I am concerned that doing so may weaken or limit my future legal rights.
Complaint sub-issue: Debt is not yours

MRS BPO LLC. Said that I opened an account with XXXX XXXX XXXX on XX/XX/XXXX, of 2021 which is not true. I do have XXXX XXXX XXXX, but I've been with them for 2 years now. These people keep hitting my credit for something I didn't open this year. And calling like crazy saying I owe them {$1400.00} dollars. Please can u help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never gave your company a written permissible purpose letter to have these companies access my consumer report. I have previously tried to rectify this situation with your company instead of elevating this to other authorities, however, after numerous stall tactics I had to reach out to the FTC. I demand for your company to delete these fraudulent inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

Citi bank is not processing my credit card payments in a timely manner. After 3 months of refusal to process my payments I have discontinued sending them. After closing my account as an act of retaliation and revenge, Citi bank refuses to work with me, refuses to provide me with customer support, refuses to accept and process my payments, all in retaliation to complaints filed. 

I sent Citi a check for {$330.00} in XXXX 2019 along with my last complaint to Citi and the XXXX. In XXXX I opted in to reduced payments at approximately {$60.00} per month due to covid19 relief, however Citi has not granted me the same covid reief as everyone else and continues to charge me full payments despite granting me covid relief. 

Citi refuses to provide me with customer support and refuses to accept my phone calls when I attempt to reach out to Citi. Since Citi does not want their employees talking to me, and since Citi does not want me communicating with them via telephone, Citi needs to mail me their response and correspondence. 

Citi has not responded to my complaints, has not cashed my check or processed my payment, has not granted me the covid relief and reduced payments promised to all customers, and is now stating I owe {$1000.00} dollars as of today.