Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. That card never arrived after 3 different attempts, so I filed another complaint with the CFPB on XX/XX/XXXX. I finally ( miraculously ) received a new card on XX/XX/XXXX while out-of-town in XXXX XXXX for a major trade show ( my signature wasn't provided nor has the card been activated at time of this complaint ). 

On XX/XX/XXXX, XXXX XXXX informed me that I only have 4 days ( XX/XX/XXXX ) to initiate a balance transfer even though I don't have the card in my possession yet ( I am still in XXXX and the XXXX envelope is sitting on my porch ). 
I made several attempts to receive a physical card so that my account could be set-up. Telling me I only have until XX/XX/XXXX ( 4 days ) to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer due to delays and negligence on Citi 's part. Why wasn't the card expedited back in XXXX after two separate attempts? How about XXXX? What exactly happened? Why weren't the cards sent as promised? Was it my fault? How was I able to take advantage of the advertised promotion without a physical card in place? 

I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX.
Complaint sub-issue: Debt is not yours

1. On XX/XX/XXXX Respondent XXXX  XXXX, an apartment complex, transmitted a move-out statement showing a purported debt of {$4800.00} for rents, fees, etc. purportedly owed for XXXX and XX/XX/XXXX. 

2. On XX/XX/XXXX Complainant, an individual, disputed and denied the validity, amounts, dates, reasons, and objectively false representations contained therein, in totality, in writing. Prior, on XX/XX/XXXX the Complainant fully and absolutely vacated and relinquished the leased premises, without further access thereto, surrendering possession to XXXX XXXX. 

3. On XX/XX/XXXX [ Second Notice ], ( i ) XX/XX/XXXX [ Third Notice ], ( ii ) XX/XX/XXXX [ Fourth Notice ], and ( iii ) XX/XX/XXXX [ Final Notice ] XXXX XXXX attempted to extort {$4800.00} from the undersigned using ( i ) maliciously invented, invalid debts without factual or legal basis, ( ii ) objectively, provably false and unreasonable representations of the undersigneds prior tenancy ending on XX/XX/XXXX, and ( iii ) explicit threats of abuse of legal process, malicious prosecution, and corrupt influence of judicial proceedings. 

4. On or about XX/XX/XXXX, Respondent XXXX XXXX directed it's debt collection agent, Hunter Warfield , Inc., to initiate collection activities to obtain the unlawful debt. The Complainant exercised his rights under the Fair Debt Collection Practices Act. This complaint follows.
Complaint sub-issue: Was not notified of investigation status or results

No response, at all.
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly submitted accurate paperwork to the credit bureaus XXXX, Equifax and XXXX concerning the reporting on my credit report with the company XXXX XXXX. The company had been reporting for several years since XXXX that I was in possession of a vehicle leased from them and owed {$8000.00}. I submitted a dispute with CFPB and the results of the complaint was to close the account and cease reporting to the bureau. The initial response from XXXX XXXX to my first dispute to CFPB alleged that the account was opened in XX/XX/XXXX and not one payment was made. The statue of limitations for accounts on credit reports is 7 years from the moment the account goes delinquent. The credit report that the bureau XXXX, XXXX and Equifax had showed the account as having four positive payments towards the vehicle. As of today the account is showing no reporting history from XXXX at all. With the bureau showing the wrong dates on this account, I would be forced to unwillingly wait additional time to have this account fall from my report. This is a clear violation of reporting on their behalf. And according to the FCRA, consumer reporting agencies must, correct, verify or delete inaccurate information once disputed. I have tried to communicate with all three bureaus about this issue and to no avail. Please reference complaint with the ID # XXXX and cross reference. I am submitting a photo copy of the report from XXXX from XXXX and the same account with XXXX XXXX in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2019 there was a collection added to my credit report by XXXX XXXX XXXX, XXXX, Tn. for {$1100.00}. This was not my bill, so I contacted the collection agency and asked them to remove this from my credit report. They did not remove this collection, but they decreased the amount to {$150.00}. I wrote to all three credit bureaus for dispute and investigation. XXXX XXXX and XXXX  removed the collection immediately. I did not hear back from Equifax, but I had assumed it was also removed. Equifax sent me a letter stating they would not remove the collection. Since I know this is not my collection, I wrote back and asked for a reconsideration and to provide proof that this account was mine or immediately remove the account. Equifax never got back to me and the collection remains to this day. 
I have been denied credit twice in the past few months and when I looked further, both denials were directly related to the collection activity on my Equifax report. This collection remains open on my credit report, and no statement of dispute. 
This collection should have been removed from Equifax a year ago, when the other credit bureaus removed the collection. I know it is not legal for a collection that is not mine, and there is obviously no evidence it was ever mine, to stay on a credit report. This has harmed me by getting credit denied and credit score lowered.
Complaint sub-issue: Account information incorrect

Complaint is against XXXX XXXX XXXX, in regards to loan balance is reported incorrectly on all XXXX credit bureaus. Ive requested numerous times starting in XXXX XXXX for XXXX XXXX XXXX to update the balance on my credit account with them. Ive contacted them via phone, from their website portal. I also submitted disputes with all three credit bureaus. As of today the balance is still incorrect. The mount owed is {$870.00}. 
This is an issue for me when Im applying for credit. I cant afford to keep sending certified letters to the credit bureaus requesting for them to update the balance. When I send in email request they never respond. 
Flagship Credit Acceptance was informed to update the balance from XXXX because I would be applying for a mortgage loan. Please assist with contacting the company and getting the balance updated on my account thanks.
Complaint sub-issue: Account status incorrect

I had a mortgage with Citimortgage issued in XXXX which I refinanced with them in XXXX. At the time, I had just come out of a Chapter XXXX bankruptcy. The mortgage was reaffirmed and paid directly. The account had never been late. At no time was it included in the Chapter XXXX plan, nor could it have been, given that the law does not allow secured debt to be discharged in bankruptcy. A mortgagor should know that. 

When I refinanced in XX/XX/XXXX, Citimortgage paid the XXXX mortgage off when it closed on the refi. Given that they were the originator of both mortgages, there shouldn't have been any question that the status of the XXXX was anything other than " closed, paid or paying as agreed '' ; nonetheless, Citimortgage reported to all three credit bureaus that it was " included or discharged in Chapter XXXX. '' I contacted Citimortgage to ask for a correction in XX/XX/XXXX, and they confirmed the error and stated that it would be corrected within 30 days as required by FCRA. This did not happen. 

I applied for a new mortgage in XXXX, XXXX and learned that the information was never corrected. I then filed disputes with all three credit bureaus. They corrected the information with XXXX and changed the status to Closed, " paid or paying as agreed, '' and stated that they were correcting my record with XXXX and XXXX. 

In late XXXX, XXXX I discovered that the information had never been corrected with XXXX or XXXX so I contacted Citimortgage again, demanding that it be corrected within 30 days or I would file suit under FCRA. They sent a letter on XX/XX/XXXX again confirming that the information was inaccurate and would be corrected. It has now been 30 days and nothing has been reported to the credit bureaus. 

As Citimortgage clearly has no intent of correcting the information they were required to report more than one year ago, government action is needed. Please open a file and demand that the information be corrected immediately. I will separately be pursuing a suit under FCRA, but I would appreciate it if you could have the information corrected in the interim.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX  and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : 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
Complaint sub-issue: Trouble with how payments are handled

I have XXXX issues regarding my loan servicer, which markets itself as MyFedLoan : First, I have contacted MyFedLoan three times ( once by email on XX/XX/XXXX, once by email again on XX/XX/XXXX, and once by phone on XX/XX/XXXX ) and have found them consistently unresponsive. On XX/XX/XXXX, a {$50.00} payment was processed and divided between my PLUS loan distributed on XX/XX/XXXX, and my Stafford loan distributed on XX/XX/XXXX. However, I indicated, when I made the payment, that I wanted the entire {$50.00} payment applied to my PLUS loan. It is unacceptable that MyFedLoan first ignored my emails concerning this discrepancy and then assured me over the phone that the payment would be fixed while failing to do so. 

Second, I mailed a {$100.00} return of principal payment XX/XX/XXXX, and I have the canceled check indicating that it was cashed by the Dept. of Education on XX/XX/XXXX. However, this {$100.00} payment is not reflected on my PLUS loan distributed on XX/XX/XXXX, as it should. This should be dealt with immediately, as it is unacceptable that my payment would be cashed and withdrawn from my account but not credited against my loan.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I received a credit report alert that a dormant account was utilized. In reviewing the account, I recognized the amount charged. The amount was disputed in the prior year ( XX/XX/XXXX ) and the dispute was found in my favor and charges reversed. The merchant recharged the disputed amount on XX/XX/XXXX. I reported this to Brand Source Card and was transferred to various departments. It doe snot seem Brandsource has the appropriate controls ( as I did not receive an alert from them ) to detect that this was XXXX ) conducted on a dormant account and 2 ) the amount was disputed in the prior year. The third party ( XXXX XXXX ) is attempting to collect money that was already resolved under the Regulation Z process from XXXX to XX/XX/XXXX. I attempted to discuss with Brandsource, but kept getting transferred- the fraud department stated disputes handles the claim and the dispute department sends me back to fraud. This is clearly merchant fraud, trying to bypass Regulation Z error resolution requirements by re-charging the disputed amount, resolved in XXXX. I have attached reference to the dispute in XXXX along with my original complaint.
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.
Complaint sub-issue: Debt is not mine

The company has contacted me repeatedly to attempt to collect a debt that I do not owe. I tried to reason with these people and they continued to lie and harass me. The rental application ( which I can submit ) specifically states that unless you pay the application fee, your application would not be processed. No application = no deposit and no hold on a unit. However, after I relayed this information to ProCollect, they yelled at me and accused me of not paying my bills. I requested that they no longer contact me until they send me proof of the bill and they did neither. I am still awaiting proof til this day. All they have ever sent me was a invoice that was sent to them! That 's not proof of me agreeing to pay a deposit or being forced into a apartment I did not put a deposit in for either! My application fee was returned because I accidentally was {$.00} short of the {$35.00}. I called the representative I was in contact with immediately and let him know of the situation and that I would have to wait until I could come up with enough to pay it in cash. He said " okay. '' That was the end of that! 

Until 2016. This year they found me and harassed me. It has stopped me from getting an apartment that would 've helped me out a lot. I am disgusted with the representatives and the company 's response in general! I want them to remove the mark on my credit report and stop contacting me about {$230.00} that I do not owe!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to XXXX XXXX XXXX requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. XXXX has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to XXXX and Equifax on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me. 
Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by XXXX, Equifax, and, XXXX. If I indeed owe, they should easily be able to provide me with actual documentation.
Complaint sub-issue: Reporting company used your report improperly

I went to the car dealership in XX/XX/2021, I applied to a vehicle however there were multiple hard inquires on my credit report. I was already approved, but I received multiple hard inquires.
Complaint sub-issue: Debt was paid

I was contacted by a debt collector on XX/XX/2022 by phone, and they were demanding I pay a debt for a bill from a previous apartment I lived at of {$410.00}. I told them I payed the debt and I had the receipts. I asked for a email to send the receipts to. They declined and continued to demand I pay the debt. I got in contact with the manager at the previous apartment I lived at and they submitted all the required information to the collector to say my debt was paid on XX/XX/2022. The apartment manager sent a email to them a second time after I received the call from collections in XXXX. My bank notified me that my debt was reported as delinquent or on non payment status on XX/XX/2022. I paid and I do not understand why it is hitting my credit now when the previous apartment said not to worry they would take care of it because I already paid the bill. This is adding insult to injury because I didn't think what the apartment charged me for was fair in the first place. I payed it off because I didn't want to deal with it. Please advise I don't know what to do. I have filed the complaint here and disputed the credit report through transunion. I have not reached out to the collection company since they called me demanding I pay and didn't seem interested in seeing the receipts I had.
Complaint sub-issue: Debt was paid

I was paying a company called PMAB for a hospital debt. I had a balance remaining on the account of {$530.00}. I sent a payment through online banking on XX/XX/2020, PMAB received the ACH payment and withdrew the funds on XXXX XXXX. 
Unknown to me PMAB sold/merged with a company called XXXX services. On XX/XX/2020 I received a letter stating I had an outstanding balance of {$530.00}. I contacted the phone number for PMAB that I had for over a year, this number directed me to XXXX services. XXXX services states they never got a payment and there is no record of me paying. I went to my bank which gave me all the information showing when the payment was made and withdrawn from my account. 
XXXX services is sticking to saying they dont have record of payment even though I have sent them all my banking info with proof where the payment was made. This company has now stolen my money and wants more.
Complaint sub-issue: Problem getting your free annual credit report

I have not receive my credit report
Complaint sub-issue: Account opened as a result of fraud

Hello I just visited US Bank on XXXX XXXX in XXXX XXXX Im very upset because I tried to open an account online and it said it would be successful pending identity verification I came to the place in person and a security guard was very rude following me around and once I talk to the bank teller she told me that I had an account closed on XXXX Of 2021 the bank teller was very rude and they refused to open an account with me she refused to provide an account number and I will not recommend this to any of my friends
Complaint sub-issue: Didn't receive enough information to verify debt

For some reason this company just randomly showed up on my credit reports in XX/XX/2019 claiming I owe a debt without sending me proper validation for the debt they claim I owed. I have mailed this company a letter to validate the debt on XX/XX/2019 and have not received any follow up correspondence from them assuming this collection was bogus. They continue to damage my credit reports and credit score by reporting this erroneous debt without sending me any information or validation I requested in writing from them. I have never received any letters or phones call from this company prior to reporting this debt to the credit bureaus. I also disputed this debt twice with the credit bureaus by certified mail on XX/XX/2019 and again on XX/XX/2019 with both disputes coming back as verified which is false. How was this debt verified with the bureaus but not with the consumer ( me ) like requested?!
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/2020, my Citibank statement had two charges of {$21.00} each that were not legitimate, one from XXXX and one from XXXX. I have not purchased anything or received any services from either company. I contacted Citibank repeatedly, but they kept sending me from customer service to fraud and back several times. I eventually got assurance from a Citibank representative that both charges had been removed. On my next statement, the charge from XXXX was still there, with a late fee of {$21.00} added. I called Citibank several more times, but they refused to remove the charges. After researching on the internet, I found that Citibank has a long history of adding false charges to their customers ' accounts. I learned that the best way to deal with the problem was to call Citibank and mention 1 ) Consumer Financial Protection Bureau and 2 ) class action lawsuit.  Only then were they willing to remove the fraudulent charges.
Complaint sub-issue: Can't close your account

I had a USbank Master Card. There was a fraudulent charge made on card on XX/XX/XXXX for {$370.00}. I challenged this by phone and closed account as USbank could not provide many any info on this charge. I did speak to them on the phone about this. On XX/XX/XXXX I received a notice that USbank determined charge was fraudulent. I have received bills from USbank charging me interest and penalty for fraudulent charge. I've gone ahead and paid all charges at end of XXXX just to have them go away, but I continue to receive bills from XXXX. Received one today ( XX/XX/XXXX ) by email.
Complaint sub-issue: Information belongs to someone else

I was online and I applied for a XXXX  XXXX XXXX XXXX and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX  XXXX {$350.00}
Complaint sub-issue: Account information incorrect

Equifax continues to violate the FCRA USC 1681 and 623 ( a ) ( XXXX ) ( A ). The FCRA is clear if an account is not reporting 100 % accurate or contains missing or outdated information, it therefore must be DELETED. Equifax continues to report incorrect information on the following account and refuses to DELETE this erroneous account as they are required by the FCRA. Account Name : XXXX BANK XXXX XXXX  Account Number : XXXX.