Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

PART 1, ACCOUNT : 1 : They close my credit card account without my permission.

2 : When I ask how to reopen my credit card account. They basically told me that they can't. BUT, I can reapply for a new credit card.

3 : After waiting for while for them to contact me about my c. card app.. I checked online for my status on the app.. It could not find my app anywhere in there system.

I filled out another app.. Again, it could not find my app anywhere.

3-5 apps later. Same thing. Including 1 app I did at my local Best Buy.

( IT CONTINUES IN PART 2, not just yet! ) 4 : Was FINALLY able to finish or get an update on my apps when I called them. They littery asked me the same questions that was on the Credit Card apps!

4.5 : For some reason, even tho I have a " Excellent '' credit scores of " XXXX '', I could not " Qualified '' for the same Best Buy Credit Card I had that they closed without my permission. 
They CLOSED my account that has NO FEES, and want me to get a card that has a $ XXXX  yearly FEE with a HIGHER interest rates!

PART 2, ONLINE : I was unable to log into my account on the website anymore after I sent them a Secure Message.

On the website, it keeps on asking me Security Questions that I pick out years ago. 
There is big problem, I FORGOT the answers I did for the Security Questions I picked out years ago. 
The only way I get access to my account is threw the Best Buy app. When I tried to change/update the Security Questions/Answers, it wants to answer the Security Questions that I forgot the Answers to. 
My 1st secure message to them was about " Part 1 ''.

My 2nd secure message to them was mostley about " Part 2 '', THEY REFUSE ANSWER my 2nd message.
Complaint sub-issue: Account status

Equifax is updating my XXXX XXXX accounts with bogus information. The XXXX accounts are with a company under a rehab plan. Equifax has update this item numerous time with bogus information in an effort to keep my score low. I contacted the XXXX who advised that they do no update while the loan is in rehab however Equifax has updated numerous times with incorrect information. I have also found that Equifax is reporting XXXX set of payments on their equifax.com credit monitoring service and a different set of information on another monitoring service that I have with wellsfargo credit monitoring. It seems as if Equifax is keeping several sets of records. I have had numerous problems with Equifax over their practices and currently pondering a XXXX dollar suit against them. I most recently noticed that they listed XXXX accounts XXXX days for the last XXXX months. The account has been in rehab for the last XXXX months.
Complaint sub-issue: Banking errors

From XX/XX/XXXX - XX/XX/XXXX Unauthorized change of address submitted to my custodial account. 

I did not notice the unauthorized change of address until I moved and logged into my online banking to change to my new address on XX/XX/XXXX. 

I contacted bank on XX/XX/XXXX & XX/XX/XXXX The unauthorized address that was on my custodial account, is the address of my child 's father who I was never married to and have never shared any accounts with. The address has never been associated with my name. 

I have a active XXXX order under Indiana codes IC 34-26-5, IC 34-26-5-9 My child on the custodial bank account has a current case entry into the Department of State CPIAP program. This case entry is because father is a XXXX XXXX XXXXXXXX, which is documented in court proceedings. 

I need to know how this address got on my account. The bank has no record of address change from the time period XXXX. 
I am requesting further investigation into any and all deleted data on that account. All recorded bank phone calls for that account in that time period of address change. And any IP address that has logged into my online banking. Any data on bank locations visited, other than my local banks I frequently go to.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years  from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

Credco Inquiry from XX/XX/2018 Misc. 

XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance
Complaint sub-issue: Inadequate help over the phone

I am currently disputing a collection company, XXXX XXXX, reporting a medical bill for XXXX XXXX XXXX XXXX of {$270.00} to Equifax. The medical bill is related to a vehicle accident where I was not at fault. When I went to XXXX I requested they bill my XXXX XXXX XXXX insurance which would have paid 100 % and I also called and asked the corporate office to accept the auto insurance and they decline. I gave them my health insurance left me owing the {$270.00}. I requested to process payment 3 times and they failed to do so. Consequently I received a letter from XXXX XXXX notifying me it was submitted to them for collection XXXX XXXX 2016 and if I paid within 30 days they would not submit to credit reporting. I provided payment within this 30 day time frame via my credit card. I thought was taken care of. I am now purchasing a new home and this item is on my credit reports. I asked XXXX XXXX why they reported to credit reporting companies and they said I had failed to include a expiration date for my credit card. I called and asked XXXX why did n't they contact me and let me know and they said it was n't their responsibility. I resubmitted payment in XXXX and asked XXXX XXXX to please retract their submission to the reporting agencies that I had not paid my bill back in XXXX 2016. They said they could n't so I contacted Equifax explained to them the issue and asked they remove and they said they could n't remove from my report that it would have to come from XXXX XXXX. Explained to XXXX the time sensitivity and how I believe it 's unfair that my XXXX score was at XXXX in XXXX and now is XXXX due to this XXXX invoice all because XXXX XXXX would n't send my a request for my credit card expiration date. This has a high monetary impact to financing my new home. It prevents me from receiving the lower interest rate I would be entitled to had my XXXX score still been at XXXX. It 's extremely surprising to me this XXXX bill of {$270.00} has the ability to impact me so significantly on a personal monetary level. I accept responsibility for what I owe and I pay my bills that I know about 100 %. But when you 're not notified of something so minor as a credit card expiration date it makes impossible to pay especially when I thought it had already been paid. I just need help and unfortunately I keep being told XXXX XXXX and Equifax get 30 days to address this dispute when I do n't have that much time to finance my home and there 's is not away to expedite resolution. I 've never felt so helpless in my life. To maker matters worse I was told by a dispute agent at Equifax that if I enrolled in their program " Complete Advantage '' for {$17.00} per month that they would help me work with other reporting agencies to help resolve this dispute. So when I called Equifax today they told me that was not XXXX of their services and they could not do anything until they were notified my XXXX who has already told me they are unwilling to help me. Please help
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XXXX I had fraudulent transactions on my Home Depot Credit Card Account. I was first notified of this on XXXX when i received a text message regarding the some charges that I needed to verify. As soon as I spoke with the representative I realized that There were about 15 transactions of fraud charges on my account made around XXXX to XXXX. 
XXXX - {$110.00}, XXXX {$54.00}, XXXX {$83.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$160.00}, XXXX {$110.00}, XXXX {$100.00}, XXXX {$210.00}, XXXX {$210.00}, XXXX {$980.00}, at the time, Home Depot removed the charges and investigated the matter. I received notification from them in XX/XX/XXXX informing me that Home Depot had determined that I was responsible for the charges and when I called Security Operations to find out why, they told me that it was because someone had actually swiped my card. I then opened a case with the my police department because I did not swipe my card for these purchases. I then faxed Security Operations the fraud report and after weeks of waiting for a response was told that would suffice and I would need to submit additional information. I then contacted my sheriffs office again and he was able to obtain video footage which does not show me making these purchases and also does not show Home Depot verifying any ID to the credit card that was swiped. I pressed charges on the individual and again faxed this information into Security Operations. After weeks of waiting for them to review this I was notified again that the information I had provided was not enough and I was still responsible for the charges. My Home Depot account was closed and sent to collections. This has effected my credit as well as caused me and my family so much financial stress. I had my account with the Home Depot opened since XXXX and never experienced any problems.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX**** This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.
Complaint sub-issue: Problem with personal statement of dispute

Equifax stated they did not have information to take off the XXXX/XXXX  XXXX  inquiry off credit report. That was of a result of an attempted identity theft. There is a police report with the XXXX XXXX XXXX, it is report to FTC, and internet crime compliant center.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a follow up to my CFPB complaint # XXXX regarding Equifax continuing to report 4 accounts from XXXX XXXX XXXX XXXX XXXX that have not been validated and that contained the wrong address and phone numbers to contact the collection agency. Equifax responded on XXXX XXXX, XXXX, that " The following disputed items have been removed from the Equifax credit file : XXXX XXXX XXXX XXXX XXXX account number ending in XXXX, XXXX  XXXX XXXX XXXX XXXX account number ending in XXXX, FXXXX XXXX XXXX XXXX XXXX account number ending in XXXX and XXXX XXXX XXXX XXXX XXXX account number ending in XXXX. '' However, the credit report Equifax sent to me, dated XXXX XXXX, XXXX, still showed the same 4 accounts with the incorrect address and phone number. Also, I printed out a recent report today, XXXX XXXX, XXXX, and the accounts are still showing on the report.
Complaint sub-issue: Didn't receive terms that were advertised

I opened my CITI Priority Savings and Checking accounts with {$700.00} bonus promotion on XX/XX/XXXX. I received an e-mail saying that CITI needs a copy of my utility bill and a copy of my social security card to verify my information, so I immediately faxed copies of my social security card and paystub to CITI on the same day ( XX/XX/XXXX ). One week later ( ~XX/XX/XXXX ) and two weeks later ( ~XX/XX/XXXX ), I called CITI customer service since there is no update. CITI customer service confirmed that they have received my documents via fax and told me that they will try to expedite the verification process so that I will be able to access to my account. 

On XX/XX/XXXX, I finally received an e-mail saying that CITI bank finally verified my information and will send me a debit card ( I did not have any access to my account since I have not received a debit card on my account ). At this point, because of CITI 's delay of verification process of my information, the {$700.00} bonus was voided because the promotion requires me to deposit {$50000.00} within 30 days of the opening of my accounts. I called CITI customer service about my concern, and CITI customer service told me to go ahead to deposit {$50000.00} into my accounts and call back to file a dispute on XX/XX/XXXX for investigation of the delay of verification process, and if CITI recognizes that the delay was caused by CITI 's fault, {$700.00} bonus will be paid to me. So, I deposited {$50000.00} into my Savings and Checking accounts immediately after receiving my debit card and left my money in my accounts untouched until today ( more than 120 days ). 

I called CITI customer service and explained my situation to file disputes on XX/XX/XXXX ( 1st dispute ) and XX/XX/XXXX ( 2nd dispute ). On XX/XX/XXXX and XX/XX/XXXX, I received letters saying " my account does not qualify for the promotion because the required amount of deposit was not made within the stated timeframe '' for the both disputes. I am hoping that I could have further help here.
Complaint sub-issue: Problem with rewards from credit card

I applied for and was approved for several Citi AAdvatage Credit cards from XX/XX/XXXX-XX/XX/XXXX. All of my applications were submitted with true and complete information using solicited offers from Citibank to obtain a certain number of XXXX XXXX miles for completing a specified amount of spending in a certain timeframe. All offers were again sent by and approved by Citibank. I got a notification from corporate security at XXXX XXXX on XX/XX/XXXX that was account was being terminated due to the accrual of miles which the email stated : These violations are related to the accrual of ineligible miles and benefits ; through fraud, misrepresentation. This is not true due to the fact that Citibank provided these transferable solicited sign up bonus offers and knowingly kept them transferrable for many years. If the solicited offers were not allowed to be obtained, it would have been caught by the many manual application reviews between Citibank and myself. I am asking that I obtain official information from Citibank and their affiliation with my account termination with XXXX XXXX. If it can be shown they are using their solicited offers they gave me, against me, I would like my XXXX XXXX account reinstates with Citibanks help and all terminated miles returned to the account as well.
Complaint sub-issue: Transaction was not authorized

BBT Bank representative failure to investigate the XXXX card charges {$33.00} and they also charge over draft for {$35.00} then another transaction fee {$35.00} rack up fee 's. They didn't fully investigate at all just offered a temporary 10 day credit. I had already pay the {$33.00} fee about 1week prior they reject the claim. Then overdraft fee was supposely to be turned off the feature. However the {$160.00} was force onto my debt card neither 1 on of these fees were swipe at all then I was giving the run around about the fee. Now my account is over drawn {$520.00} and BBT fraud department refuse to investigate the case for the {$160.00} simple rejected.
Complaint sub-issue: Can't close your account

In 2005 I was added as a user on my grandmothers Discover credit card. Since then I have never had possession of a Discover card to use or account access to pay anything on the card. It was strictly for her to use and help build my credit. Now 15 years later my grandmother has had two XXXX, several hospital stays and is currently in XXXX which resulted in two missed payments to Discover. I learned about this when I ran a credit report to get a mortgage loan on a house, when I contacted Discover about this for resolution, they refuse to remove me as a user on the credit card, which is all I asked of them. I contacted them twice In fact in which the last time they informed me the account would have to be paid in full and closed or one of us would have to die to be removed from the credit card.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Issue 1 : I tried submitting both a credit report request and submit a dispute with equifax. Both were impossible due to a mismatch in address information and or a system error.

Issue 2 : Equifax website itself is non-functional/inaccessible most of the time. It may load a single webpage in about 25 to 45 minutes. It would appear that it is receiving a denial-of-service attack.

Issue 3 : Upon discovering that i can not sign up for an account on equifax website, and being refered to a 1800 number to call them, I decided to give Equifax a call to dispute an item on my credit record. However, they were not able to identify me over the phone. I faxed Equifax identity documents, which was reportedly lost, so i re-faxed them again, and then re-re-faxed them.

Issue 4 : I keep receiving USMail from Equifax indicating that they have made a decision and that i must send them identifying documents. I have already done so 3 times.

Issue 5 : Nobody is reading my complaints properly. If you reviewed my complaints, you'd realize that ive uploaded my identity documents directly to this form. They are available to anyone reviewing my complaint.

Issue 6 : To this date, there has been no solution offered. My information has not been updated and i have not been contacted for a resolution. My credit report has not been provided. My credit score went to zero. I have no access to dispute anything.
Complaint sub-issue: Debt was paid

Medical debt incurredXX/XX/XXXX had been long paid off shortly after receiving the initial bill, and I received a surprise collection letter from BC Services ( original bill was with XXXX XXXX  Hospital in XXXX XXXX ) dated XX/XX/XXXX, 5 years later, for the amount of {$540.00} with {$3.00} of interest. I had initially verified with XXXX Hospital that the full bill was paid and no further balance is due. I have not heard from them via phone or mail since ( during the past 5 years ). I did move recently, but my address had been the same for another almost two years and I remained in the same city for another 3 years after the initial bill. My phone number has been the same ever since, so I would n't have been difficult to reach. When speaking with BC services they said they would send the initial statement ( which I have not received either ) but would not explain what happened or how this is valid and were extremely short and unhelpful. I have written them as well as the original company a certified letter, again requesting a final statement but am awaiting a response. Nothing has shown on my credit report so far but I am looking every day. THANK YOU FOR BEING THERE!
Complaint sub-issue: Their investigation did not fix an error on your report

Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts opened up fraudulent using my personal information have not been removed after sending in my FTC identity theft report and placing fraud alert on my credit files and requesting that it be deleted from my credit files. 

I have provided the companies with proof of identity theft of my personal information and passwords while I was under the care of a caretaker in whom I trusted. I reported the suspect XXXX XXXX who stole and had access to all of my personal information while I was ill to the FTC. 

There is not way that they can verify that I opened or authorized the opening of following accounts, especially with proof of myself being a victim of identity theft. 
They are unverifiable, inaccurate, and questionable. 

According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts are in violation of not reporting 100 % accuracies.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My wife and I have tried to receive a refund from XXXX  XXXX for a canceled flight on XX/XX/XXXX. We have sent emails and called the airline multiple times and have not received a refund after 4 months. We contacted the credit card company to intervene for services not rendered and to remove all interest charges and to credit the account card relating to the canceled flight. The flight was purchased on XX/XX/XXXX for the amount of {$1700.00}. This is the response from the Credit card company on XX/XX/XXXX was " The merchant is willing to work with you to resolve your claim, and that we were responsible for the disputed amount and that there investigation was completed and disputed amount will be included in the balance Subject to interest charged. They also said that our account was in good standing but wanted us to know that if we do not pay our credit card bill they would report us to consumer reporting agencies? We have always paid our credit card! We again contacted XXXX  XXXX  verbal and written and given excuses why after 4 months we have not received credit on our card. We contacted and wrote again to the credit card company on XXXX XXXX and told them we are still in dispute with the airline and have not received a credit on our credit card for the {$1700.00}. I have sent another letter to XXXX  airline and Shop your way credit card company XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax has assumed its vital role pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not been exercising its grave responsibility with fairness, impartiality, and respect for my consumer right to privacy pursuant to 15 USC 1681 ( a ) ( 3 ). Equifax has not used reasonable procedures in a manner that is fair and equitable to me as a consumer pursuant to 15 USC 1681 ( b ). I want all accounts and inquiries deleted from my consumer report IMMEDIATELY pursuant to 15 USC 1681b ( a ) ( 2 ).