Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I have sent a series of letters to Equifax, XXXX  & XXXX  with no response to my dispute and issues. I am a single parent that is now living with my parents and have been affected by covid-19. I have been reviewing my inquiries and I saw where companies have just been pulling unauthorized inquiries and i had to put a lock on it and I called the credit agencies however they left the inquiries but did lock my report as requested. I sent letters and nothing happened like I am being ignored. This is hurting me financially which is making me very emotional especially with covid happening. I suffer from anxiety and I just need my letters to be responded to. its been over 90 days and still nothing and each time I step out my door to mail off letters in the post office i'm feeling fear of covid-19 and I shouldn't have to go out if they respond to the phone calls. I have been scammed about student loan I paid to a company and I didn't realize that in the cares act all payments are suspended and then later forgiven. I qualify for the student loans to be deleted or forgiven and the credit agency still has not upated the new legistration on student loans being forgiven and this is stressful. Cares Act 3513 A, B, C, D, & E.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2022 I noticed 2 charges for XXXX had gone through on my credit card ( automatic, reoccurring charge ) for XXXX and XXXX. I do not have a XXXX account. I called Discover and explained, they assured it would no longer go through. 

It went through again for XXXX so I froze the account and ordered a new credit card. 

The new credit card came and Discover CONTINUED to let the charge go through as it was a reoccurring subscription charge. 

In XXXX I called again, and filed a fraud dispute and asked for the money to be refunded and the card NOT allowed to be charged by that merchant again. The dispute case was resolved and they refunded three of the charges ( 5 total charges ) since you could only file the dispute online attached to each individual charge. 

I thought it was solved, but again in XXXX the charge went through. I called again. I was assured this time it was solved. 

BUT in XXXX it went through AGAIN. Spoke to another individual who enacted a feature on the card that will prevent any and all subscription services from pulling automatic payments. Unfortunately Discover does not offer any confirmation numbers, or email receipts of these conversations nor do they have a way to contact them in email so you can have written documentation. However, these conversations and notes are associated with my phone calls and when I call agents are able to look at the prior conversations. 

At this point I just needed the charges to stop - Discover has not refunded the money, but I just wanted it to stop. XXXX has NO record of this card ever being associated with an account. 

In XXXX, the card was charged once again. I just called today and was transferred about with no solution and no refund. 

At this point I have gone to Discover to fix it multiple times so it is time to pursue another avenue.
Complaint sub-issue: Account status incorrect

Hello there, I had spoke with Audi regarding this concern where Ive had auto pay set up and was never Deliquent on the account. 

I got only XXXX calls with no voicemails, no paper mail or any documentation and it said I was Deliquent when I was not? 

I have the payment of confirmation from chase when I had submitted the payment however Audi still said I was late and reflected on my credit report? 

Please, please can I have this issue resolved and fixed? I am crying over this and am so XXXX. I have never been late and this is unfair, I made my payment and am begging for this to be fixed. 

Also I am always facing an issue when logging in, I never can login nor do I get any paper mail?
Complaint sub-issue: Account terms

I challanged the amount past due, all other credit reporting agencies have removed it and or show XXXX balance. I used the information provided by Equifax stating the validity, but after contacting the creditor with the information provided by Equifax, the creditor holds no records of this account. So I have disputed again and once again they can not provide any proof or evidence that I can take to the creditor. What can I do? can they make up information like that? Please help.
Complaint sub-issue: Investigation took more than 30 days

The bureaus fell to comply with the law.. Ive sent several dispute letter in regards to my credit concerns. They fell to comply, they haven't provided me with any of my investigation results.. They are in violation of the law. Please help me by removing all my credit concerns from my report..
Complaint sub-issue: Card opened as result of identity theft or fraud

I was checking my anuual credit report and noticed 3 mistakes in equafax report. First there was information about a credit card taken out in XXXX under my name with XXXX and couple of other places i never did any business with. Theres also a car lease in XXXX, meanwhile i was not driving, as my licence was suspended at the time. Theres also history of a college loan. This is a nightmare. I am unable to live a fullfilled life becouse my private informatio was compromised, social security number was stolen and used for fraudemtial purposes.
Complaint sub-issue: Information belongs to someone else

I have tried to remove a fraudulent address on my report but Equifax refuses to take it off of report. I have documented proof and have had 2 phone calls where they stated they would delete however it never comes off. I have proof attached. On the attached file it clearly states deleted but its still on there. How is this even legal? Under the FCRA it needs to be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

I placed a dispute online on XXXXand they completed ( I use the term loosely ) their investigation in less than 24 hours. Both the credit bureau and the furnishers did no investigation. They simply verified what they have as accurate. No investigation can be done on issues in such a short amount of time. XXXX also didn't provide an updated credid report. They simply stated they updated information.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect high balance, not applying my payments correctly, reporting old debt as new, an incorrect account number, an undated late pay, a missing field of [ 81 month account payment history ], the wrong account type, an incorrect credit limit, a late pay after account was closed, an inaccurate date of last activity, an inaccurate date of last update, an inaccurate reporting date ]. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Equifax and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. I sent 32 pages to reflect proof of my 81 month payment history and credit report to Equifax on both XXXX XXXX Accounts. Equifax and XXXX XXXX refused to correct my payment history. Desired Settlement : Correction to a credit report Desired Outcome Description : Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score with Equifax. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to present on both XXXX XXXX Accounts. Additional Complaint Details Date Problem First Occurred : XX/XX/XXXX First Date you complained to the company : XX/XX/XXXX. 
Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
Complaint sub-issue: Fee problem

This bank is only open and operates by charging people fees even in a pandemic money hungry husband battling XXXX XXXX XXXX  with second XXXX. On XXXX XXXX  every 2 weeks costing XXXX for a month supply. So much money to the banks cant even get my monthly bills paid. Over XXXX in one year. Yet they have nerve to tell me they helped me they have not. Employees rude disrespectful even discriminate low income barely making it customers. Parents opened this account years years ago this bank doesnt care about loyalty suppose to charge one fee now telling me they are going to charge me 4 times a day.
Complaint sub-issue: Trouble with how payments are being handled

My loan servicing XXXX XXXX XXXX is not handling issues brought to their attention in reference to my student loan. I requested my account to be reviewed with no results. I started contacting them since XX/XX/2018.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting inaccurate information and refusing to follow protocol for furnishing information to my consumer report, without consent and improper verification which has resulted in damage and stress to me. please see attached. 

i have also sent in a paper copy of this information to the address on equifax website along with identification ( XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX )
Complaint sub-issue: Company closed your account

My Discover account, my oldest line of credit, was closed unbeknownst to me. There is no information on my Discover.com ( like secure messages or indications on my statements ) that shows that they reached out to me. They said they sent me mail to my home address ( dated in late XXXX ) stating I need to use the card to keep the account open. However, 1 ) we are in the midst of a global pandemic 2 ) I work in a XXXX  and have not been able to keep up with unexpected updates from Discover 3 ) I have informed delivery from the USPS and there is no record of any mail from Discover in XXXX. Additionally, I had successfully filed a complaint with the CFPD in the past ( XXXX ) regarding not receiving mail from Discover. They acknowledged their mistake but it seems like this is still reoccurring. I do not want my oldest line of credit to be closed. This is not standard industry practice and most other creditors ( XXXX, XXXX, XXXX ) do not play games like this. I reached out to customer service and supervisors and they told me that they are unable to reopen my account ( because I did not act on the information that I did not receive ). I was told I would get a call back from HQ but they will not be able to help me. I am now reaching out to you as a regulatory agency to make sure creditors stop these predatory practices. I am very disappointed in this practice and would appreciate my card reopened. I am a young adult and I can not afford a large hit to my credit as my average age of credit will now drop significantly and this will affect my mortgage and loan opportunities as I try to grow my XXXX. They advised me to open a new account to continue my relationship with Discover but this has very negatively impacted my view on the company and their policies. I will allow them 1 more chance to right this wrong.
Complaint sub-issue: Information belongs to someone else

I got a notification saying that my credit score dropped over XXXX points. immediately upon reviewing my credit report I discovered fraudulent information being reported on my credit report. XXXX XXXX and XXXX XXXX reported a late payment on my credit! I have never missed any payments nor do I even recognize this account and information associated with it. I immediately called this company and reported this information as fraudulent. This company told me that I needed to dispute the info and have not cooperated with me!
Complaint sub-issue: Funds not handled or disbursed as instructed

RE : Mothers bank account I am a senior citizen looking for help. My mother XXXX  in XXXX. In XXXX I went to US Band and told them that my mother had XXXX. I showed them her XXXX certificate. Ever since then I have not received any mail from this bank for my mother. I have been to the US Bank on XXXX XXXX, XXXX and inquired as to what has happened to my mothers bank account and they tell me that they do not have any record of her.
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I know that they have a record of her as she had a safe deposit box which I closed out. I have the bank account number but they refuse to tell me what they have done to her money.
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What can I do? I am entitled to my mothers bank account as I am her only heir and my name was on her bank account.
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Sincerely, XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Trouble with how payments are being handled

I received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX indicating that I was required to reapply for Income-Based Repayment. The letter stated " We must receive your application by XXXX/XXXX/XXXX. If we do not receive your application within 10 days of this date, payment will increase.... '' The letter does not specify whether the 10-day period includes weekends. 

I resubmitted my application for Income-Based Repayment on XXXX XXXX, XXXX, within 10 days of XXXX/XXXX/XXXX ( including a weekend period ). However, XXXX informed me by phone on XXXX/XXXX/XXXX that it would not honor the terms of its prior letter and was increasing my payment for XXXX XXXX. The company explained that it had received my application and recalculated my payments but that it would not apply the income-based repayment amount to the month of XXXX. It further informed me that the only method of relief from the substantially higher XXXX payment was to apply for a forbearance.
Complaint sub-issue: Frequent or repeated calls

On Saturday XXXX/XXXX/2015 I immediately returned a call from a representative by the name of XXXX. The call back was received by office manager XXXX XXXX. I gave him as requested an updated status of my past due account. I advised him I spoke to his representative XXXX on Monday concerning this same issue. On Tuesday XXXX/XXXX/15 I received at voice message from XXXX to contact him ... XXXX minutes later an out of state family member receives a call from XXXX trying to reach me. Upon my contacting the office the representative, XXXX advises that outside references are contacted when they have had no contact with borrower. The office has been in contact with me weekly. I find this tactic harassing. There is no reason to contact anyone outside of myself concerning this debt. XXXX advised me they would not give details of the call, but anyone who receives a call from a stranger being advised to have the member contact them know its about a debt. The attempt to embarrass me in order to collect is harassment.
Complaint sub-issue: Debt is not yours

BBVA USA now PNC is trying to collect a debt that I dont owe. Its been more than two years since I closed my account with them and after that they probably keep charging and charging into that account to then send me a collection debt. How if I closed more than two years ago this account, they unscrupulously keep sending me their marketing ( I called to stop them from sending me as well their marketing, they are not in compliance with that ), and keep charging me money that I dont owe. 

I called today XX/XX/2021, I did two different phone calls. The first phone call hang up because I requested to speak with a XXXX  customer service not a translator. My second phone call deny me the service because I requested the phone call to not be recorder, I know my rights and I can deny that, also he refused to include any names. 

Also, I dont even have on the documents the amount they says I owe to them. 

I want this company to stop harassing me with their marketing and tactics to collect money that I dont owe.
Complaint sub-issue: Card opened as result of identity theft or fraud

I checked my credit report as I usually do and noticed a Home Depot credit card opened in my name, with a {$500.00} limit, and someone spent {$450.00} dollars on it in XXXX of 2022. They made a payment of {$31.00}. I came here to report it as fraudulent.
Complaint sub-issue: Information belongs to someone else

I went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.
Complaint sub-issue: Account information incorrect

I have been repeatedly denied for a mortgage loan due to the wrong information being reported on my credit report. I have student loans and am currently in the Public Service Forgiveness Loan repayment program. According to government guidelines, a creditor ( mortgage company ) may use the payment that is reported on the credit report as the monthly debt. However, they are reporting my monthly payment as " XXXX  '' ( {$0.00} ) despite the fact that I make monthly payments. As a result, I have been denied a mortgage loan for the past two years. I have attempted to resolve this with the Federal Student Loan Servicing Agency and was told that the only thing they report to the credit bureaus is the balance and if it is paid on time. This is absurd. I have an auto loan and it clearly states what my balance is, what my monthly payment is, how long I have had the account, etc ... They are unwilling to change their practice of not reporting the actual monthly payment and as such, many of us are being denied mortgage loans. I have been attempting to resolve this issue over the past two years and it is wrong for them not to report a monthly payment amount. It makes no sense that I am paying on a loan that shows a XXXX  monthly payment amount. Does this mean that I don't owe anything every month? Of course not. Why? If I didn't pay because it says a XXXX   monthly payment, they would garnish my check and report it to the credit bureaus and my student loans would be in default. This practice of reporting a XXXX  monthly payment amount is hurting a lot of us who have student loans. We are being turned down for mortgage loans left and right despite having good credit and income. I need help as I have been waged in an uphill battle with this and can not get any resolution.
Complaint sub-issue: Information belongs to someone else

To Whomever This May Concern : I am reaching back out because I am going to file suit against Equifax and XXXX. I was advised by my attorney to submit one last complaint and then he will file suit against them and any data furnishers for refusing to remove fraudulent items on my credit report. 

Equifax refuses to remove XXXX XXXX from my credit report. I have submitted the police report that has the report number, the Officers name, and his badge number by the forward slash on the report. I have sent them by mail a copy of my mortgage statement, my drivers license, police report, and dispute letter stating that I am a victim of fraud and this information should be surpressed and removed. They refuse to do so. 

XXXX refuses to remove XXXX XXXX  that appears twice on my report and XXXX XXXX XXXX XXXX that appears twice on my report as well. XXXX  has sent me letters asking me to send all pages of the police report with the report number and the Badge Number of the officer. I  have sent XXXX  the Police Report/Identity Theft report that only has one page, a copy of my Drivers License, and my mortgage statement as well. I have also sent them a dispute letter. They refuse to comply with surpressing the accounts from my report. 

I am filing this complaint in hopes that this will get them to comply. If they don't my attorney will file suit and has a reputation for winning. 

My information was breached through XXXX  and Equifax and both of these bureaus are refusing to cooperate. 

My attorney is giving XXXX  and Equifax until XX/XX/2020 to remove all fraudulent addresses and accounts off of my reports before he files suit. I have sent him all responses from the credit bureaus and he deems them stalling tactics. We will file suit and win. 

THIS IS NOT A CREDIT REPAIR COMPANY. I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT. SO PLEASE DON'T TRY TO USE THAT AS A STALLING TACTIC AS WELL.
Complaint sub-issue: Frequent or repeated calls

Flagship Credit Acceptance have called over 5 times in a single day. They leave at least 2 messages a day. On XX/XX/XXXX they called 5 times and left 2 messages. Even when payments are set in the system Flagship agents will still call and then apologize because there is a payment in the system. The interest rates are extremely high and they are overcharging. The car that I have financed with them isnt due to be paid off until XXXX and I got the car in XXXX. Payments are $ XXXX  monthly.
Complaint sub-issue: Problem using a debit or ATM card

In retaliation for submitting previous CFPB complaint regarding PNC Bank 's lack of concern or service regarding their allowing obvious fraud to be committed against me ( and still have not resolved beyond lip service ), PNC is refusing to re-issue bank card. Customer service remains unreachable other than one call in which I was immediately hung up on.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The initial charge of {$99.00} was on XX/XX/XXXX. CITI took out this amount after I lodged dispute, and sneaked it back in on XX/XX/XXXX without notifying us. CITI told me when I complained that it is not over, it is still in pending, therefore, I sent CITI more document to prove my returning of all XXXX purchase. 

Citi no longer has a three party talk in place for a very bad reason. CITI finally said that they had to pay XXXX. When I called XXXX, not only she assured me that XXXX had not received {$99.00} from CITI, but also my XXXX account supported her statement. 

I have no doubt that CITI kept this money, considering CITI has never denied my accusation and there were few indications before as to how this would turn out. 

Most of all, CITI abolished a three party talk in resolution process.
Complaint sub-issue: Debt is not yours

This is not mine please remove ASAP