Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Delay in processing application

I received an offer in the mail for a special offer on a credit card. The offer was mailed to my home with a web site link to apply as well as a telephone number. Upon logging into the website and also upon calling into the call center on XX/XX/2020 at XXXX XXXX, I spoke to XXXX XXXX ( XXXX XXXX Illinois ) and XXXX in Credit Card underwriting ( would not provide any additional information, employee number, or geographic location ) and they advised me that they are not able to let me apply jointly with my husband. We both have excellent credit, qualifying income, and maintain all of our accounts jointly, however, they told me that I would have to apply individually under the offer ( XXXX ) at XXXX. They said I could add my husband as an authorized user but not as a joint applicant. I believe I am entitled per regulations to apply jointly if that is the way that I prefer to submit my application so that all income and dual obligation is submitted initially. If I am not correct, I do apologize, however, my husband does work for a XXXX  and believes this may be a violation of regs.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2020 I made a purchase for {$520.00} on my Citi double cash card. The item I received from the purchase was faulty/incorrect so I sent it back ( within the company 's ) return policy. The company never refused me so I made a chargeback dispute on my credit card. Citi gave me an initial credit, but then decided in the end that I shouldn't get my credit and reversed it. I don't know how they could side with the merchant in my dispute. It was very obvious I had returned my item and hadn't gotten a refund. I had tracking that proved I returned my item. Citi didn't side with me in my chargeback and now I'm out {$520.00}.
Complaint sub-issue: Problem getting my free annual report

For years I have been trying to get a copy of my credit report from Equifax to no avail. Whether online or by mail they always have an excuse.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone used my information to apply for a credit without my permission
Complaint sub-issue: Information is not mine

I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report.
Complaint sub-issue: Transaction was not authorized

Unable to reconnect my checking account to my XXXX  account. Previously had access but recently had to reset password. Now unable to reconnect
Complaint sub-issue: Reporting company used your report improperly

my information was stolen by someone in the Equifax data breach then notes on all three credit reporting agencies hard inquiries on all three UI did not apply for I filled oout a report on Identity theft.gov web page sent copy to all three about this information and companies that took my information and checked credit for a job in XXXX state in XXXX and it shows I lived in XXXX since XXXX and that my ID throu Equifax was stolen and the credit reporting agency will do nothing about the information of id theft report I sent them with police reports as well. XXXX and Equifax and XXXX want me to send them a copy of my drivers license and social security card by mail or fax but XXXX law prohibits it when there is a identity theft problem that lists with all three credit reporting agency and they all said they dont care and will do nothing have not been able to even get e response from all three with in by federal credit reporting law I filed dispute 2 months ago and cant get response because have accounts with all three and are paperlise responses and all three have blocked me from my accounts du to  CFPB complaints all three did nothing to finish the disputes by the law provided time frame of 30 days.and the last three complaints through the CFPB I attached all information they asked for and still they did nothing but block me from my accounts. 
Equifax XXXX and XXXX have been added to my identity theft .gov report I am to have a free security freeze on my report after sending via CFPB complaint of id theft and they said no I dont care have voice recording of them saying it
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Ive frozen my credit report with XXXX and XXXX with no problem. Trying to accomplish a freeze with Equifax has become impossible. I cant contact a human even though I used the human contact phone number given to me by Equifax. Internet and phone yield no results. The robotic/internet advice given by Equifax doesnt work. I keep being informed that a freeze can not be activated at this time. I have excellent credit but are concerned about access to my information by criminals. Why is it difficult or impossible to freeze information that I dont need, dont want, have never had a need for and have never given permission to be collected.
Complaint sub-issue: Debt was result of identity theft

Someone opened an account in my name at XXXX wireless and there is a bill for {$1100.00} that was turned over to XXXX XXXX. I have sent then identity theft letter, police report, and all documents in that they have requested. Over 30 days ago i asked for a follow up and removal from my credit file. There has been no further communication from XXXX XXXX and this remains on my report. I have already spoken to XXXX and sent in the paperwork to them also. XXXX service is not even offered where i live and the company does not all shipping to my address. It seems pretty obvious that this is fraud but nothing is being done nor has been done for 4 months now.
Complaint sub-issue: Attempted to collect wrong amount

I have a judgement listed on my credit report however I have never had an account with Ally I have disputed this several times and requested copies of signed contracts and I 'm getting no response Judgment COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX XXXX, 2015 STATUS DATE PAID AMOUNT {$12000.00} PLAINTIFF Ally Financial Inc ACCOUNT HOLDER Individual CATEGORY Legal Item
Complaint sub-issue: Company closed your account

Hello CFPB I am writing about my account with citibank. My account was closed due to inactivity but i never notified or informed that it will be closed. This is my oldest account since 2012 i really can not lose this account because it will have significant effect to my credit overall. Please intervene to reopen my account. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing inaccurate information on my credit file with equifax since XX/XX/2022. Equifax has unverifiable information that is inconsistent across all three credit bureaus, and they are refusing to investigate my claim. I forwarded to Equifax on XX/XX/2022 certified return receipt with signature proof delivery. Equifax representative received my dispute on XX/XX/2022. The tracking number is XXXX. Equifax received the below dispute regarding how they can report inaccurate information on me, that is defaming my character. I forwarded the below documentation to Equifax, and equifax closed the dispute on XXXX XX/XX/2022, and dismissed my dispute as frivolous. I am showing equifax that their information although has been investigated, that the information that is reflected on my credit report is INACCURATE. According to the CFPB and FCRA credit reporting agencies must report accurately all information regarding the current status of accounts, or it can not be reported. I have shown equifax what is inaccurate that is coded via their metro 2 compliance software. Additionally, equifax has decided on the four accounts that are being disputed to a ) report multiple charge offs which is inaccurate for a single account, 2 ) they refuse to report the good payment history that was established with the disputed accounts, and only will report late payments and charge offs. This is defimation of my character, and I am going to be filing a complaint with the XXXX and the attorney general of texas in tandem with this complaint. 

Equifax is breaking the law and only is reporting inaccurate negative information, and none of these accounts show positive payment history. This information is inaccurate and is not in accordance with the FCRA. Equifax needs to fix this immediately. I am following up with this complaint with the Texas AG.
Complaint sub-issue: Investigation took more than 30 days

I received my credit report and unauthorized use of my name they I have informed Equifax about
Complaint sub-issue: Information belongs to someone else

I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Equifax numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I  live in.
Complaint sub-issue: Information belongs to someone else

I took a look at my credit report and I have noticed false and incorrect daya reporting on my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

Collection Company on credit report named as : XXXX XXXX XXXX XXXX XXXX. 
Ste : XXXX XXXX, FL XXXX XXXX XXXX Original lender : Medical Age of account : 2yrs 3 mths Balance : {$75.00} Since XX/XX/2018 to XX/XX/2018, has not been able to make contact via certified mail, phone, fax or email
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/XXXX, Sarma contacted my mother after I put in a complaint telling them to stop contacting all family members. They told me they would cease all communication. Its a debt that has been dropped from my credit. They have called harassing my dad, my mother, my exhusband, and my exhusbands family. They also tell them that I owe them and about the debt which that is embarrassing. I was told they would stop contacting my family and ex in-laws and it is still happening. Next step Ill be contacting a lawyer.
Complaint sub-issue: Frequent or repeated calls

Called during Covid-19 crisis after XXXX. XXXX issued guidance on collection suspension for at least 60 days.
Complaint sub-issue: Debt is not yours

On XX/XX/2022 I was sent communication from my payroll department about a wage garnishment. I went to the courthouse and filed a motion to stop wage garnishment. I called Johson Mark LLC at XXXX and spoke to a representative who informed me the call was recorded, I told her that the debt was not mine, it was my sisters debt and I was not a spouse to her, the rep told me that she would send an Email to the attorney and to follow up. I followed up and the next rep I spoke to looked into the Email and I was told that the garnishment would not be stopped, I told her that I was not responsible for the debt and she began to be condescending and basically told me that theres nothing I could do. After advising the firm that its not my account and Im not responsible for the debt. It is embarrassing that my employer has to deal with this which is not mine. Its causing a hardship on to me, it is affecting my emotional well being. Im constantly worried. This is not right to do to people that advice that the debt is not theirs and still no communication. Im not the first person this company had unreasonably gone after people and harassment. What proof is there that 1. I am responsible for her debt 2. She is in fact my sibling. My rights have been violated and Im seeking to be reimbursed for monies with held through this unfounded obligation of this 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 federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I would first like to start and say that it saddens me that I have to file a complaint so I can be heard from Upgrade. First, I filled a complaint XX/XX/XXXX regarding my past two late payments. As of XX/XX/XXXX, I did get a response from Upgrade granting the removal of the two late payments from XXXX of XXXX, which was done, but only for two weeks unfortunately. I checked my three credit scores on XXXX, XXXX, and XXXX on XX/XX/XXXX. The removal was successful for only XXXX and XXXX. Currently, as of todays date, Ive paid my Upgrade balance in full and currently XXXX states the two late payments were removed successfully, XXXX states I have one late payment on XX/XX/XXXX, and XXXX XXXX I still have two late payments from XXXX XXXX. I still want to do business with Upgrade, but the inaccuracy on my credit report is causing me much distress. Ive already spoke to XXXX and XXXX from Upgrade, which they both stated that my credit report should be reflected accurately by now. I just want to move past this and move forward and continue to do business with Upgrade.
Complaint sub-issue: Charged too much interest

I did a 0 % balance transfer on a Community Bank credit card in XX/XX/XXXX. The zero interest was supposed to be for 24 months-or until XX/XX/XXXX. I continue to make a few monthly purchases with this card and notice I have been charged interest over the last few months. My last statement I had purchaes in the amount of {$850.00} and I made a payment in the amount of {$1500.00} but was still assessed an interest fee of {$10.00}. I am paying almost double the amount of the purchases each month but still being assessed an interest fee. I called the company today and was told that even though I am paying over, the overage is going to my zero percent balance transfer, and I am being charged interest on my purchases. This is very misleading. I feel that this is an unfair and deceptive practice. Any reasonable person would assume if she is paying more than the purchase amount, she would not be charged interest on the purchases. I was told by the representative today that I would be better off not using the card for purchases. She told me to refer back to my balance transfer agreement ( which is in very fine print ).
Complaint sub-issue: Debt is not yours

For the past two and half years, XXXX keep saying I owe them {$68.00}. I dont know how, because I dont have no service with them for the past 7years. They said they have fix that .but last week I received a letter from EOS CCA collection agency to collect this same {$68.00}.
Complaint sub-issue: Account information incorrect

Equifax is reporting inaccurate information on my consumer credit report and file. I sent in a letter to them requesting the immediate removal of the account from my file and report and they responded that the creditor certified that the account was reporting accurately. The information is damaging to me as a consumer. Per 15 usc 1681e ( b ) they should be reporting 100 % accurate information. How is an account accurate if it is being reported differently amongst the consumer reporting agencies? To top it all off, I DID NOT give EQUIFAX any form of written instructions to accept, furnish or report any information on my behalf! Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I asked them to provide a contract between them and me, notarized by a senior executive, showing that I granted them permission because no consent is identity theft. They treated my letter as if it was a dispute, however it was not a dispute, it was written instruction from me the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

SEVERAL DISPUTES SENT WITH NO RESOLVE
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious  ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Can't use card to make purchases

I lost my job due to covid ans this bank didnt even let me know or offer me assurance which caused my account to fall behind and be delinquent now I called customer service they refuse to assist me they blocked my online access they wont even mail me statements they stopped sending me so how was I supposed to make a payment without a bill I asked they refused to send me a paper statement by mail to see my balance and offer hardship Assistnaxe I was a loyal customer until this happened to me
Complaint sub-issue: Didn't receive enough information to verify debt

A letter was sent to SARMA on XX/XX/2020 requesting validation for an alleged collection account. SARMA received the certified letter, XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. To date, I still have not received a response of any kind and this collection account remains on my credit report. SARMA has 30 days to investigate my dispute and advise me of their findings and provide supporting documentation that this debt belongs to me. I have never received any communication to advise me of this debt and only recently became aware of this debt when I ordered my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Equifax, XXXX XXXX, XXXX not reporting things right. First off XXXX company is by far the dumbest! Why did you take off XXXX credit card. Never asked you to do that! XXXX card was not fraud or open fraud or part of identity theft! Your company needs to pay attention big time. You leave the identity theft fraud on my report and take off XXXX you not to do. Your company by far the worst company I ever have to deal with! This is why I just got a lawyer and suiting big time. You still have 5 accounts from identity theft. 2 accounts from XXXX XXXX XXXX XXXX XXXX one account XXXX the other XXXX accounts on here after submitting a document from that company. They they dont have an account from me! Then after 4 times tell your company about identity theft to take off XXXX XXXX XXXX XXXX, XXXX XXXX credit card XXXX, XXXX XXXX, XXXX. Name is not right you still have it wrong its not XXXX XXXX or XXXX XXXX XXXX its XXXX XXXX XXXX XXXX. I am a XXXX! Please get it right.
Complaint sub-issue: Trouble with how payments are handled

I have student loans through Fed Loans and I qualify for the Public Loan Forgiveness Program as well as the Income Based Repayment plan. I contacted them recently because they had my start date for paying my loans off by 3 years. I was instructed by them to refile my paperwork for both program ( listed above ). They have yet to contact me about the change to my start date. However, they have notified me that I no longer qualify for the Income Based Repayment plan because " I make too much money. '' My income is the same that it 's been for the past two years and they even admitted to me that they " improperly '' adjusted my payment over that time. But when I 've asked for paperwork showing proof of this, they have n't sent me anything. In fact, they 've implied that they are comparing an after tax gross income to a pre-tax gross income and that 's what explains my change in annual pay. Again, upon multiple requests, they 've refused to send me any documentation of this and, instead, recommended that I go into deferment until the issue is resolved.
Complaint sub-issue: Information belongs to someone else

Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to Fraud
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX