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

On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a XXXX XXXX  and COVID-19 has affected my business and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I was so stressed when I saw those inaccurate and unknown accounts on my credit report. DELETE the following accounts.
Complaint sub-issue: Debt was paid

Received medical bill for XXXX XXXX, full amount of {$190.00} was paid from my XXXX account on XX/XX/2020. The bill was turned into collection agency on XX/XX/2020. I have disputed this with credit bureau, and contacted the debt collection agency to advise them this bill was paid, but the original business submitted an amount different that what was owed. The debt collection agency says there is an additional amount owed of {$110.00} (? ) no sure exactly of amount - but there should not be any additional amount because the bill was paid prior to submission to collection.
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Other problem getting your report or credit score

I responded to EQUIFAX Hack by submitting my information to obtain promised credit file monitoring package from their TrustedID Premier program onXX/XX/XXXX. I received an email from Equifax stating that " We have successfully received and are processing your information. '' on XX/XX/XXXX. The next step in the process was to send me an email to finalize the enrollment and activate the product. I have checked my email daily for 10 days until XX/XX/XXXX at which time I called the Customer Service number. They were not able to give me any information except that their servers are very busy and could not indicate when there would be any response. I requested to talk with a supervisor who responded that I should call back and he rudely hung up on me.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX CARD XXXX XXXX  CARD XXXX XXXX  CARD XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Complaint sub-issue: Reporting company used your report improperly

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX - {$280.00}
Complaint sub-issue: Received bad information about your loan

I requested a refund for my student loans from Fedloan Servicing over a month ago. I am entitled to a full refund of all payments made during COVID pandemic by law per the CARES ACT. Fedloan Servicing is saying that this will take 150 days to process and that I may STILL BE DENIED. 

I NEED this money and it is my right by law to get a refund. Thank you CFPB for standing up for the little guy.
Complaint sub-issue: Other problem getting your report or credit score

EQUIFAX had a major data breach in XX/XX/XXXX, after which I placed a freeze on my account. 

They issued a PIN number to be used to unfreeze the account, which I dutifully kept for 3 years. 

When I wanted to refinance my mortgage, I needed to unfreeze my account. 

HOWEVER, Equifax is making it impossible to unfreeze my account online ( which I tried ), or over the phone ( which I also tried, after correctly answering 8-10 questions about my credit history through their automated system ), and they no longer accept the PIN number they issued. 

They are asking I FAX or MAIL a copy of my driver 's licenses and social security card. No one has a FAX machine anymore, and MAIL is unreliable. Due to the delays, I will incur costs if the rate on my mortgage changes between now and when EQUIFAX decides to stop holding my personal information HOSTAGE. 

EQUIFAX should be barred from the industry. They are not serving their customers or fulfilling their duty!
Complaint sub-issue: Transaction was not authorized

on XX/XX/2018 i contacted XXXX XXXX about a unauthorized charge to my card in the amount of {$360.00}. They informed me that they couldn't find me in their system and made note of my first and last name. they informed me that if the payment tried to come thru they would reject it and not except it. I called my bank periodically checking on this charge thru out the week. unfortunately a week or so later the charge came out of my account. I contacted XXXX XXXX   again, which at this time they sent me to a head supervisor because the payment had not been taking by them. speaking with the supervisor she informed me that a third party was involved and gave me their corporate number. the third party was XXXX, i spoke to a lady who assured me that they didn't accept payment either because the hotel rejected it they would have no reason or authority to take it. I contacted my bank and informed them of the situation and proceeded with filing a dispute.I never received any products or services from this merchant. 

there was also a unauthorized charge of {$170.00} on XX/XX/2018 to my account by a moving company who couldn't provide service to me at the time i requested. I responded to the confirmation email and informed them that i would call them to set up something later. later that day someone from this company called me and states that they already tried to take {$170.00} out so what are they to do at this point. I informed the gentlemen that the deposit was not authorized and i only had a phone conversation with someone who couldn't even confirm a time the movers would be available. He placed me on hold for 5 minutes then hung up on me. when I tried to call back no one answered. I never received any products or service from this merchant.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to CBNA, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I picked up a number of different items at XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ) that I dropped off to be dry cleaned earlier in the week. 

Upon returning home, I discovered that 2 identical pillow covers had been damaged and ruined due to the merchant 's negligence. The pillow cover materials were frayed and there are now black stains on the covers not present at time of dropoff. I also had another pillow case that had the zipper destroyed due to the merchant 's negligence. 
Again, these pillow cases were in EXCELLENT condition at time of drop-off. In fact, 2 of the matching pillow cases were practically brand new ( purchased XX/XX/XXXX ) I returned to the dry cleaner the next day on XX/XX/XXXX to address these issues. 
PLEASE NOTE THAT THIS WAS THE 2nd INCIDENT OF RECEIVING DAMAGED GOODS & SERVICES FROM THIS MERCHANT. THE FIRST INCIDENT OCCURRED IN XX/XX/XXXX. 
The dry cleaner accepted my goods and tendered my payment, yet refused to take ownership or responsibility for the damage he caused. Merchant stated he would repair the damaged pillow, but he did not fix it after I gave him the opportunity to do so. Merchant also refused to refund my money for services and damaged goods, which is unlawful. 

I then filed a dispute with Citi and provided documentation and information to support my claim. Citi ruled in the merchant 's favor, even though my goods were damaged and I did not receive the service I paid for. 

I had another dry cleaner successfully repair the pillow cover with the damaged zipper on XX/XX/XXXX. This cost me an additional {$7.00} out-of-pocket.. 
I still need to replace the 2 damaged pillow covers. I also need to be refunded the amount I paid to clean the damaged pillow covers. 

{$120.00} - Cost of 2 lumbar pillows ( Wayfair ) {$7.00} - Cost to repair zipper ( XXXXXXXX XXXX XXXX : XX/XX/XXXX ) {$16.00} - Refund of dry cleaning damaged covers ( 3 x {$5.00} ) TOTAL : {$140.00} If Citi does not reverse this charge of {$130.00}, I will be filing a Small Claims suit in XXXX County ( XXXX XXXX, CA ) and will be including Citi as a co-defendant, alongside this merchant. I am NOT paying for goods that were damaged due to someone else 's negligence. 

I am disappointed in how Citi handled my dispute. I ask that the person who denied my claim put themselves in my shoes as a consumer. I'd like to know how this was deemed acceptable and why I should be expected to pay for a merchant 's negligence. I tried resolving it with merchant but he refused to take ownership, putting the blame back on me. XXXX XXXX and other cardholders would not treat their customers this way.
Complaint sub-issue: Problem during payment process

On XX/XX/2020, I used by Citibank mobile application to pay my credit card balance. My bank is Citibank and the credit card company is Citibank XXXX XXXX. 

Problem : The day I authorized {$8000.00} from my Citibank checking account to Citibank XXXX credit card, I had experienced a systems glitch. Specifically, when I pushed the submit button, the system crashed and I had to resubmit the request. However, unbeknownst to me, the system had duplicated my request and withdrawn double the amount of my intended payment. Hence, {$16000.00} was requested from my checking account. This caused an overdraft of my checking account and caused an insufficient balance penalty. 

Request for CFPB : I request that this department investigate the Citibank 's mobile application that allows duplicate payment without verification. In my case, the systems glitch in Citibank 's mobile platform allowed a duplicate payment to be made within a minute of each other. 

Additionally, Citibank XXXX Credit card company has made things difficult by not helping with the insufficient funds penalty. Rather, the supervisor for the credit card told me to contact my bank directly to ask for a fee waiver even though the problem arose with the systems issue with the credit card.
Complaint sub-issue: Banking errors

I work an evening-into-night job as a XXXX to a XXXX company. I am paid approximately once a month sometimes a little early, sometimes a little late, around the XXXX of the month. 
Because my employer has bounced checks on me in the past, and because of the uncertainty of how and when banks clear funds when I deposit a check, I have a well-established pattern of my deposits with my bank, US Bank, at XXXX XXXX XXXX in XXXX XXXX, Missouri. 
Within a day or two that I receive the check from my employer, I negotiate the check at my employers bank and get my pay in cash. From there, because I dont want cash on me as this is hundreds of dollars, I go directly to the US Bank branch on XXXX XXXX to deposit the cash. This way, I know the money is available, as I live paycheck to paycheck, and I have important medications to purchase, as well as all my living and car expenses. 
I negotiated my XX/XX/XXXX, paycheck at my employers bank ( XXXX XXXX   of the XXXX, XXXX XXXX branch ) on XX/XX/XXXX. From there ( early afternoon ), I went directly to my US Bank branch ( XXXX XXXX ). I parked in the parking lot and walked the cash in. I deposited {$900.00} in cash. I can not remember the exact denominations of the bills from XXXXXXXX XXXX, but it would generally be a mix. I have only a checking account with US Bank. 
Much to my surprise, as I was recently paying bills, I discovered that US Bank did not credit this cash deposit to my account! I have searched high and low for the receipt, but have not been able to find it. These are vital and necessary funds for me. 
As soon as I saw this discrepancy, I went to my branch to talk with them. They dismissed my claim, and they refused to help in any way. I asked, since this is a long-established pattern and I know a bank has several security cameras all over the property, if they would help by looking at camera footage. In the early afternoon of XX/XX/XXXX, they would likely see my truck in the parking lot, they would likely see me coming through the doors, and they would likely see me at a tellers station. All very reasonable as Ive been a good customer, and I have this well-established pattern. 
They refused to help. They claim I must subpoena them. How is this for customer treatment? 
I called US Bank Customer Service on XX/XX/XXXX, and explained the situation. They also refused to help me in any way. 
I went to the police to file a report, but because of the nature of the incident, they would not take a report. 
I suffer XXXX XXXX, and this has just about put me over the brink with extreme XXXX and XXXX. All I want is a fair effort on their part to help. Afterall, it is not out of the realm of possibility that someone pocketed that cash. It is difficult to trace. But it is NOT difficult to establish that I indeed was at the branch that day and made a transaction that is totally within an established pattern of business. 
I am attaching in this complaint a copy of the negotiated check from my employer dated XX/XX/XXXX. This establishes the start of the events that created the cash deposit at US Bank in the amount of {$900.00}.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX. 

XXXX reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/2020.  In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/2020, XX/XX/2020 and XX/XX/2020 remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on Equifax, XXXX  and XXXX XXXX. XXXX need to XXXX balance, remove negative remarks ( late and repossession ).
Complaint sub-issue: Reporting company used your report improperly

I sent via certified mail to Equifax that they are in violation of 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL ( b ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on to my consumer report, no consent is identity theft.
Complaint sub-issue: Deposits and withdrawals

You I have an account with Money Lion bank. I deposit {$1500.00} with them this last Friday XXXX. I withdrew XXXX Dollars of that money shortly after that on the same day. Immediately following My withdrawal they, Money Lion, suspended my account saying this was suspicious activity and suspected it to be fraudulent activity. I can appreciate that, however I was not made aware of this until the following day After I had called a tow truck to pick up my vehicle that had overheated. Imagine my situation when my card wouldnt work and I couldnt pay the tow company! I had to call a friend to bail me out and then I had to leave my vehicle at the impound yard and it is still sitting there. I have this account set up on text messages for all transactions and I was not made aware of anything concerning my account being suspended. Upon checking my emails later I found an email from Money Lion saying the aforementioned. All the email said was that my account it is suspended because of suspected fraudulent activity. It said nothing about sending them documentation. I only found this out until the following morning, Saturday when I was able to contact Customer service at Money Lion to let them know that it was me making the transactions. Every CSR I spoke to you seem to be reading a script over and over they apologized the first two, were of absolutely no help told me where I could email my documents after informing me that I needed to email documents Which consisted of copies of my identity. They confirmed receipt of my email and told me it would be 24-48 hours before my account would be unsuspended. I Explain to them over and over again that I needed them to make an exception could I please speak to a manager or someone I know that they couldve made an exception. I told them I am on a fixed income and that is all the money I had. Could they please expedite this, that my rent is due that my vehicle needed repair that is all the money I had. They said they could not do that. I asked for management and I was disconnected I called two more times with the same response I was hung up on. Finally I called again and was toldBy the CSR That she was not able to get through to any management either that she was very sorry. What is this time I am crying and I am at I am beside myself. I went to their website and pleaded with them through email again and was only met with a canned response that they had received my messages and that now it was going to be within 15 days that my account would be unsuspended. I dont know what Im going to do. Isnt there someway they can be dealt with is this legal? That is all the money I have. That is my money how can they do that. At the very least it is and compassionate and they clearly clearly dont give a hoot about people.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft where someone hacked into my network and stole my personal information and opened up some account in my name, which are fraudulent. I have filed a police report and have disputed the information with XXXX, Equifax, and XXXX, but they have not removed the fraudulent account from the credit report as of yet. Please remove immediately because it is affecting my credit rating. Thanks a lot. The accounts which are fraudulent includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018, and XXXX XXXX- Date Opened : XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a online Macy 's purchase on XX/XX/2022 Total {$910.00} Order # XXXX 2 items ( XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Comforter and Light Weight ). Macy 's claimed they delivered, but I never receive the 2 comforters. They refuse the refund and charge these items any way.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX