Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

On XX/XX/2018 XXXX XXXX acquired my mortgage from XXXX XXXX XXXX. Shortly after that, the 13 years of mortgage payments disappeared from my credit report affecting my score by about 100 points. I contacted XXXX about this issue around mid XXXX. The customer service person stated they had 60 days by law to not charge late fees, report to credit and they did their reporting on the XXXX of every month. XX/XX/XXXX comes and goes and still no reporting. I called them again to inquire in late XXXX, the customer service rep had no explanation, and said I should check back XX/XX/XXXX. Still no reporting to my report
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 and XXXX and 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 three 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 .This 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 inquiries 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 21 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2020, I opened a new account with Citibank. Upon opening new account, banker then led me to branch teller to make my deposits. I handed teller sealed envelopes of my CASH deposit. She opened them in front of me then walked away out of sight for some time. I thought she would be right back with a bill counter. Instead she returned and handed me a deposit slip. I was confused because she did not count CASH in front of me ... but I was forced to leave because branch had just closed for the day. Later same day, I realize I am missing {$2200.00} from my cash deposit. 

I returned NEXT business day ( on XX/XX/XXXX ) and explained to banker ( who opened my new account ) what happened with teller/ my deposit. 

He didnt investigate the matter. Instead he brushed off the seriousness of her negligence. 

I asked him why teller walked away out of sight with a large sum of CASH? Why she didnt count it in front of me? And stated that Ive never seen this happen at any bank branch before. And how can I confirm she made a proper deposit? 

Banker replied that THIS BRANCH placed bill counters out of sight and DOES NOT COUNT CASH IN FRONT OF CUSTOMERS purposely. 

I recorded him admitting to this on my phone. 

I opened an investigation with CitiBank regarding my missing funds AND the negligence taking place at this branch. 

CITIBANK REFUSED to properly investigate this, never reached out for my evidence, closed the investigation citing deposit was correct because branch told them it was, and is REFUSING to honor my appeal! 

CITIBANK is supporting negligence and theft at this Branch by refusing to do a PROPER INVESTIGATION and by ignoring my appeal.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018, I was a victim of identity theft. I have been able to resolve all my problems with exception of two incorrect inquires on my Equifax credit report. I have copies of letters that were sent to Equifax informing them that the inquires were incorrect and for them to be removed from credit report. Multiple disputes were completed that the information is correct which it is not. I have spoken to them multiple times, I have sent then copies of the letters in the mail and via fax. I was informed that they never received the copies via Mail and I sent them to the wrong address.
Complaint sub-issue: Didn't receive advertised or promotional terms

Quoted on www.salliemae.com/credit-cards/evolve : You'll earn {$200.00} in bonus rewards after you've spent {$1000.00} ( net ) on eligible purchases in the first three months after you open the account. The following do not qualify as eligible purchases, do not earn cash back and do not count as part of the net spend requirement for the bonus reward : cash advances ( including cash-like transactions ), balance transfers, convenience check amounts, purchases that we believe have been made by or for a business, commercial or investment purpose, account fees, interest charges, and unauthorized or fraudulent transactions. Bonus rewards will be applied to your rewards balance within one or two billing periods after you spend the required amount. 

I met the required spend minimum on XX/XX/XXXX in a bill cycle that ended XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX bill cycles have now passed with no bonus. I have called multiple times being told that they will not credit until late XXXX ( so they have confirmed I am due the bonus ), even though that is not within the quoted 1-2 billing cycles. I have asked to be elevated to a supervisor due to false advertising. XXXX XXXX XXXX call center reps say that requires a callback after XXXX hrs or more. XXXX left a VM while I was in the shower. I called back immediately and was told she was on another line and would call me back before the close of business on XX/XX/XXXX. I have still received no contact and XXXX refused to transfer me to her or any other supervisor when I called today, telling me I needed to be patient for the call I've been waiting two weeks for.
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/2022 I'VE NOTICED THAT MY CONSUMER CREDIT REPORT SCORE HAS NOT GONE UP IN SEVERAL MONTHS. 

I HAVE PAYED ALL CREDITOR ON TIME AND ADDED NEW CREDIT AS WELL. 

WHY HASN '' T MY CREDIT SCORE INPROVED TO A HIGH SCORE????????

EQUIFAX IS COVERING UP REGULATORY VIOLATIONS AGAIN!!!!!!!!!!!!!!!!!!!!!!!!! 

MY XXXX AND XXXX CREDIT REPORT SCORES ARE WAY HIGHER THAN EQUIFAX AND THE HAVE THE SAME ACCURATE CREDIT ACCOUNTS AS EQUIFAX!!!!!! 

EQUIFAX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!!!!!
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. XXXX, XXXX and Equifax Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the items that arereporting on my Credit Reports : XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$28.00} ; XXXX XXXX : {$96.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$10.00} ; XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$21.00} XXXX XXXX : {$80.00} ; XXXX XXXX Balance : {$310.00}.
Complaint sub-issue: Problem using a debit or ATM card

I made XXXX purchases on " XXXX '' store trough the payment processor " XXXX '', the merchant never sent the items to my address and also never provided any tracking, shipment or delivery information. I sent many emails to them asking about this but the never replied. 
So I need to open dispute for " merchandise not received '', all of these must be delivered on or before than XX/XX/XXXX, and the last email sent to the shop was on XX/XX/XXXX. 

XXXX ) XX/XX/XXXX {$870.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Right now im traveling overseas so I couldnt contact the bank trough the call center
Complaint sub-issue: Information belongs to someone else

There are some creditors on my credit report that are not mine, or don't recognize. Additionally, there are addresses reported that do not belong to me. Please remove them immediately.
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 TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} 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 AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} 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 XXXX 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: Their investigation did not fix an error on your report

THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.
Complaint sub-issue: Information belongs to someone else

According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/XXXX I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in XXXX. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.
Complaint sub-issue: Can't close your account

Citi Bank should have closed my savings account in XXXX when requested. It is still open and they are charging service fees.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THERE ARE TWO DATES OF INQUIRIES FROM SAME COMPANY THAT WAS NOT AUTHORIZED BY ME. PER COMPANY RESPONSE, THE INQUIRY WAS BASED ON XXXX XXXX XXXX XXXX. I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXX XXXX THAT WOULD RESULT IN TWO INQUIRIES SHOWING UP ON MY CREDIT REPORT. I HAVE ALSO DONE MY INVESTIGATION, AND I HAVE NO RECORD OF DOING BUSINESS WITH ELAN FINANCIAL SERVICES OR XXXX XXXX XXXX XXXX. I ALSO HAVE A FRAUD ALERT ON MY CREDIT FILE, WHICH MEANS THE CREDITOR MUST CONTACT CONSUMER PRIOR TO INQUIRING OR GIVING OUT CREDIT. SO IF AN ACCOUNT WAS OPENED IN MY NAME WITHOUT CONTACTING ME FIRST, THEN XXXX XXXX XXXX XXXX AND ELAN FINANCIAL SERVICES BROKE THE LAW AND VIOLATING MY RIGHTS. BELOW ARE DATES OF THE INQUIRY. THE PURPOSE OF THE FRUAD ALERT IS TO PREVENT FRAUDULENT ACTIVITY ON MY CREDIT REPORT. PER FRAUD ALERT, STATES DO NOT EXTEND CREDIT OR OPEN ANY ACCOUNTS WITHOUT CONTACTING CONUSUMER. THEREFORE I DON'T NEED TO FILE A POLICE REPORT, UNLESS THE COMPANY WANTS ME TO FILE POLICE REPORT AND CHARGES AGAINST THEM FOR OPENING AN ACCOUNT WITHOUT MY PERMISSION. 


XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX BANK XXXX Balance : {$7000.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem with fees

I made payment on my Valley Bank credit card by depositing same at the Post Office in XXXX where the Valley Bank has a branch. I was not able to make a deposit at the branch because the branch was closed because of the coronavirus pandemic. I subsequently learned that the Valley Bank branch in XXXX XXXX was also closed. 

NOW VALLEY BANK IS HITTING ME WITH A {$28.00} LATE FEE. THIS IS APPALLINGLY UNFAIR AS I MADE A GOOD FAITH EFFORT TO MAKE PAYMENT ON TIME BUT THE FACT IS THAT THE VALLEY BANK BRANCH IN XXXX WITH WHICH I NORMALLY DO BUSINESS AND WHERE MY BANK INFORMATION IS STORED WAS CLOSED BECAUSE OF THE CORONAVIRUS. 

I WROTE TO THE CFPB THE VERY DAY I DEPOSITED SAID PAYMENT BUT RECEIVED NOT ONE WORD FROM THE VALLEY BANK! 

MOST DISHONORABLE AND MOST UNFAIR!
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Trouble with how payments are being handled

Around XXXX to XXXX, I obtained student loans in amounts totaling about 23000. in XXXX these loans were consolidated with a American Education Services ( AES ) which called me over the phone and offered to help me with my repayment. I was set up for a payment plan that i thought was manageable, between XXXX and XXXX, but I did not know that it wasn't actually paying off my loan. I was only paying interest for about 10 years without any actual change. In XXXX I decided to consolidate with Fedloan and attempt to enter the Student Loan Forgiveness Program. During the re-consolidation I entered into delinquent status for not making the  regular payment on my loan, but I wasn't getting any feedback from the new loan holder Fedloan. Little did I know that these two companies are one and the same, and they could have both easily seen the status of my account. Of course this affected my credit score. But the worst part was that somehow my loan was compounded from an original balance of XXXX to XXXX when Fedloan took it over, which is close to what I still owe today. I have paid {$10000.00} total to fedloan, but have only paid {$2500.00} on my principal since XXXX. When I look at my payment history i see several months of payments going straight to the interest but nothing to the principal, even when i know I'm ahead on my payments. Meaning it should be going to principal. I believe this company AES/Fedloan/PHEAA is engaging in predatory lending practices and abusing their ability to manage borrowers money. I do not believe they intend on actually assisting borrowers with paying down their loans, but instead keep them confused about what exactly their payments are covering. Also, the fact that they go by different company names and can transfer a loan from one to the other and add several thousands of dollars should also be considered a fraudulent business practice. If i can speak to an attorney and explain my situation i believe i would have a case against this company for their misleading behavior and abusive business practice. i don't believe my complaint will actually help me or anyone else because i have seen other complaints come here to die. It is obvious that the corrupted practices of this company and this " official '' complaint service are nothing more than another dead end/misleading business practice.
Complaint sub-issue: Problem with personal statement of dispute

I filled a complaint with you all and Equifax, about not being able for companies to pull my Equifax Credit file. I was told to have the businesses to call the Equifax Business Services for them to Work on the problem. This is the response I received back from the businesses about the Equifax Business solutions about why they can't view my file. It needed to be compressed and they told the companies my file credit file is too large. 

Here is Equifax response : COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report. 

In my original complaint I said nothing about INACCURATE or INACCURACIES on my credit report. I SAID FOR THEM TO FIX MY EQUIFAX REPORT WHERE I AND COMPANIES CAN BE ABLE TO PULL IT WHICH MEANS COMPRESSING THE FILE!! I AM NOT SATISFIED WITH THEIR PAST LYING RESPONSE AND IF ANYONE CAN READ YOU CAN SEE WHAT I ASKED FOR. I ASKED FOR THEM TO FIX MY CREDIT REPORT WHICH MEANS COMPRESSING IT BECAUSE THEY TOLD THE COMPANY THE MESSAGE THEY WHERE GETTING MEANS MY FILE IS TOO LARGE AND NEEDS TO BE COMPRESSED SMALLER!!!! STOP WITH THE STALL TASTICS? PLEASE GET THIS MATTER RESOLVED IT'S BEEN LONG ENOUGH AND I HAVE CALLED THEM OVER 20 TIMES ABOUT THIS, AND THEY LEAVE ME ON THE PHONE AND HAVE NO EARTHLY IDEA OF WHAT I NEED DONE!!! I'M TIRED AND WANT TO PULL MY CREDIT REPORT!! EQUIFAX IS A JOKE AND NO ONE UNDERSTANDS MY PURE ENGLISH TALKING AND IT IS VERY FRUSTRATING!! PLEASE HELP ME GET THIS RESOLVED!!