Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am XXXX XXXX and XXXX XXXX 
So almost one and half months back someone from XXXX emailed me asking to buy products. After having back and forth emails, and agreeing on the prices, they emailed their credit card information to charge. 
I sent them an authorization form and asked to fill up, sign and send back along with a copy of their ID. After I received their forms and ID I matched the info and put the information on my merchant 's virtual terminal to run the card. The card successfully went through. I waited couple of days, the amount hit the account so I shipped their goods through XXXX and they received it. 
They contacted again to submit another order which I did through the same process, I asked to sign a new form they did, they sent and I shipped the products. 
They contacted for their 3rd order, and again I went through the same process and shipped their products which they received on the XXXX. 
On the XXXX after 41 days from the 1st charge, I received a chargeback email from XXXX XXXX  which is my merchant account provider, showing that card holder is disputing all the transactions. 
The same day I filed a claim on IC3 but no one has contacted me yet. 
I also challenged the chargebacks by providing all the documents, and after all today the bank has denied the challenges. 
I called them to ask whats going on, but they didn't help at all and I was told that I have to pursue this out of the credit card provider company. 
I reached out to FTC and filed a claim with reference number of XXXX. The suggested me to call CFPB and make a complaint. So I reached out by the phone and was advised to come online and submit the claim here.
Complaint sub-issue: Can't temporarily postpone payments

XX/XX/XXXX I applied for a hardship economic deferment on every educational loan I possessed. This deferment was granted for the consolodated subsidized and unsubsidized loans adminstered by AES, but AES denied this deferment for XXXX private signature loans they were administering on my behalf. As I was in XXXX XXXX outside of phone contact and with limited internet connection, I organized electronic communication to follow up with my loan deferment process as I would not be able to have access to standard postal letters. XX/XX/XXXX, I was able to return to the United States and retrieve my postal mail where I discovered a letter never delivered electronically to my account which stated that my deferment request was denied for the XXXX private student loans administered by AES. When I contacted AES to inquire why this notice was not sent to me electronically as I was in XXXX, or inquire as to how I was able to fix this mistake, I was informed that AES had closed that account and sold the debt for those obligations and could not comment on how or why electronic communication was not sent to me, why I was not contacted, or why the deferments were denied. When I asked how XXXX loans administered by AES could be denied a deferment when XXXX other loans administered by AES were granted the same deferement for the same period, I was told they could not comment as they had closed those accounts. In XX/XX/XXXX, I once again applied for a deferment from AES which was denied, while the same deferment was granted for the same period with the same information for loans administered by XXXX. When I contacted AES to inquire how a federal loan could be denied a deferment when the same deferment was applied to other federal educaitonal loans, through the same program, with the same information, I was informed that they could not comment on why and I should just reapply. I believe that AES is purposefully and systematically seeking to deny deferment requests in the hope that individuals will not notice or be able to contact AES services so the loans could be placed into default and claimed under federal insurance programs. I am seeking assistance as I have returned from XXXX and would like to address the issue of the XXXX loans which were denied deferment, subsequently placed into default, and are now an issue on my credit, to which AES has consistently refused all comment or willingness to address. I left with a debt that I am not able to address and a company who is not interested in working with me to create an adequate method for repayment, which is now affecting my credit and backgrond investigations for future employment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The 3 credit report agencies have put me on XXXX XXXX XXXX  and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Having problems with customer service

In XXXX I filed bankruptcy after my husband and I separated. PHEAA claimed they were awarded a judgment against me while I was in bankruptcy however I never received notification and neither did my lawyer. In XXXX XXXX, I started contacting my student loan servers as advised by my lawyer once my bankruptcy was discharged. I was advised by PHEAA that I was I default and would have to go through a 9 month program. I advised the individual that I was recently discharged at which it had not been 30 days yet so how could I be in default already. I requested information about notification of this default in which he gave an address that was a year old. My lawyers updated my phone and address information once my bankruptcy began. The notification of default was sent a month after my bankruptcy was filed. I agreed to sign up for the program, faxed over my paperwork and then told it could take up to 6 weeks for approval. On XXXX XXXX a month later I was approved. I was told to go ahead and make my first payment and my direct debit would be in place for the payments going forward. Since then I have talked to XXXX other representatives because my direct debit was never set up. Today I received a report of default on my credit from PHEAA. They are closed of course and I am sure this is because no direct debit from them has processed through my account. This is tremendously disheartening I feel like they are intentionally doing this to ruin my credit and garnish my paycheck. I wish there was another way to make my payments through anyone but PHEAA and XXXX they are the worse with customer service. XXXX is even more difficult because everytime I talk to someone there I 'm told something totally different. I wish the retail market never crashed back in XXXX. I would enough income by now to pay them off
Complaint sub-issue: Other problem getting your report or credit score

My name is XXXX XXXX. Last 4 of SSN : XXXX. Address XXXX XXXX XXXX, XXXX, TN XXXX. Equifax is not reporting information on my credit report. It is negatively affecting my ability to obtain credit. I sent them a letter as well as a copy of my State ID card and social security card. Equifax responded with a letter asking for a copy of my state ID card and social security card. This makes absolutely no sense. Why is Equifax asking for the exact information that I already sent. My ID card has an address of XXXX XXXX XXXX. Equifax claims this is a problem. THIS MAKES NO SENSE!!! There is ABSOLUTELY NO REASON for Equifax to not report information on my report. And I will no longer take " We're working on the issue '' as an excuse. This seems to be Equifax standard response and they've used it several times. If Equifax fails to report my information by XXXX XXXX XXXX I will be filing a lawsuit on XXXX XXXX XXXX in XXXX XXXX Court. This is the last time I'm going to deal with Equifax concerning this matter. Equifax has proven to me that they are not making a serious attempt to resolve this matter. Even after I provided Equifax with a copy of my ID and social security card they still sent me a letter with a MIDDLE NAME THAT DOES NOT BELONG TO ME!!!!!!!! Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called Equifax on XX/XX/XXXX and informed the agent that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Company : XXXX  XXXX Account # XXXX Description : Inaccurate because the 2-year payment history for XXXX, Equifax, and XXXX are reporting different dates and inconsistent payment history for the dates between XX/XX/XXXX - XX/XX/XXXX. Also, the date last active reports XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. All 3 bureaus can not be right. All reporting must be 100 % accurate.

I submitted this dispute with Equifax online on XX/XX/XXXX. And their investigation was complete on XX/XX/XXXX. Which makes me believe all my documentation submitted for evidence was not considered. Also, the Equifax upload portal is always conveniently having issues when documentation is uploaded.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair Credit Reporting Act XXXX # XXXX # XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also States a consumer reporting agency can not furnish my account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX  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 XXXX  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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

good evening, so I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Complaint sub-issue: Received bad information about your loan

My current loan balance has ballooned over the years. It has ballooned to an estimate 200 % since its early balance. I believe the balance has been illegally reconstructed each time it has been transferred to a new loan servicer. I also believe the balance has been fraudulently consumed with unethical interest rates used by all loan servicers over the life of my school loans. My loan has been owned by a total of 4 loan servicing companies with 3 being mandated by the US Dept of Education. 

My current loan servicer is XXXX XXXX XXXX ( XXXX ) : account # XXXX. This loan was transferred and acquired on XX/XX/XXXX. This particular loan servicing organization did not transfer the history of payments from Navient ( account # XXXX ). I was making satisfactory Income Based payments with XXXX when the transfer took place therefore increasing the monthly income based payment amounts dramatically to an entirely different amount, which was larger. The new introduced amount lets me know the interest rate was changed and the recent payments were not applied from XXXX history. 

The same situation involving my XXXX also occurred during the transfer of my XXXX account from XXXX XXXX. This transfer took place on XX/XX/XXXX. 

Also, when applying for any income based school loan I have found that the Loan Servicer does not apply all evidence on the tax forms that adjust the AGI nor do they take into account ( or inquire ) the cost of living and daily life events ie medical bills, medical premiums, rent, electrical bills, water bills, number of family members, constant increase in rent every 18 months, inflation changes based on the state of resident, etc.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or XXXX- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

Approximately 6 months ago I submitted a dispute with Ally Financial over a Failure to Pay annotated on all three credit reports from XX/XX/XXXX. 3 months ago, I called to inquire about the dispute, and they re-initiated the investigation. On XX/XX/XXXX, I had Ally Financial initiate another dispute for the Failure to Pay. I have not received any letters on a decision or any other correspondence from either of the previous 2 investigations. The auto loan from Ally Financial, in question, was paid off in full in XX/XX/XXXX. It should not have been a Failure to Pay on my credit report due to being paid off, which Ally Financial has conceded over the phone.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to XXXX, XXXX, XXXX, and Equifax on XXXX XXXX. I still havent received anything back. according to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, XXXX, and Equifax have 30 days to respond to my dispute this is a violation of my rights
Complaint sub-issue: Can't close your account

I received a visa debit card from cash app that I never applied for. They would not let me talk to a supervisor nor disregard the card. They gave me the email of who applied for it but it does not exist. It was XXXX. I took screenshots of the chat conversation because they would not let me talk to a supervisor, so I went to their site and have not got a response. She would not allow me to talk to a supervisor.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

equifax will not accept a dispute, on line or phone, they put me on hold half hour and say they can not find my file, they are reporting incorrect info to my file
Complaint sub-issue: Their investigation did not fix an error on your report

I am having a problem getting approved from any lenders because of this creditor reporting a charge off on my business when the debt was settled and agreed to be removed off my report because of me being caught in the middle of situation that I was not aware off by EQUIFAX business. Please remove this from report off my credit. It is not reporting accurately in my report ... Missing information by XXXX XXXX business
Complaint sub-issue: Funds not received from closed account

The company shutdown my account on XX/XX/2022 without any warning or reason after I funded my account {$250.00} using my own bank account with my name on it. I called and tried to get a reason for the closure or how I can get my funds back, but the representative told me the department that I would need to reach could only be reached through email. I contacted Square via online support several times and they won't give me a reason my account was shutdown or how I can get my funds back in a expeditious/reasonable time frame. On my dashboard, it said it would take one business day to get my funds, but it has already been 10+ business days without any resolution.
Complaint sub-issue: Received bad information about your loan

I requested a refund from MyFedLoan for my student loan payments I had made during the pandemic. They processed my refund and said I was eligible for a refund of over {$11000.00}. I called to follow up since I had not received my refund, and MyFedLoan told me that my loans had been transferred to XXXX who would be processing my refund. I called XXXX who said they have no record of me in their system but the transfer should be complete by XX/XX/XXXX and to keep trying to register for an account on their website. It is now XX/XX/XXXX and I am still unable to register for an account on XXXX 's website and they are unable to find a record of my account. MyFedLoan 's website indicates that all transfers have been complete, however my record is not.
Complaint sub-issue: Frequent or repeated calls

The Discover Card Company issued me a credit card. XXXX charge was disputed, and therefore not paid. Afterward, I learned that in fact it was a legitimate charge but the company had used a completely different name so I no longer disputed it. Discover Card paid the amount, advising me they would do so but not advising me that it meant I would go over my credit limit nor that I would daily receive XXXX phone calls regarding being over my limit. I pay the monthly payment on time at the rate prescribed each month. I previously requested of Discover card that they stop calling me, which they agreed to do, and notating it on my record. Yet it has happened again and continues daily at an excessive and harassing amount.
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained my LexisNexis credit report. On my XXXX credit report this needs to be removed from my credit file. This was removed from my XXXX XXXX XXXX because incorrect information. There were U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The United States Bankruptcy Courts Western District of Tennessee have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies that i attach to my letter, nor do they ever validate and/or confirm public records also this dates are wrong. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the United States Bankruptcy Courts XXXX XXXX  of Tennessee confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, nor will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need this bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Complaint sub-issue: Filed for bankruptcy

All the bankruptcies that I filed they were prose [ pro se ] the bankruptcies were not gone all the way through and its really affecting my credit and my credit score, please I '' m asking to remove all the bankruptcies on my report. 
Bankruptcy reference # XXXX Bankruptcy reference # XXXX Bankruptcy reference # XXXX and Bankruptcy reference # XXXX, thank you. 
I can receive email when the situation has been resolved, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX, XXXX, AND XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. Equifax, XXXX, and XXXX all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy XXXX. The Bankruptcy XXXX is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is requred per FCRA.