Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Delay in processing application

I, XXXX XXXX, applied for a Pre-approved Credit Card and was approved for a Credit Card via XXXX  for {$1000.00} Credit Line on XX/XX/XXXX. I received a credit card onXX/XX/XXXXand proceeded to activate my credit card via phone for purchases. The automated credit card services at XXXX ( XXXX ) indicated that my Credit Card Balance of {$1000.00} is available for purchase. I was later informed via email address ( XXXX ) that I needed to submit via uploading into their website additional verification information ; specifically copies : Social Security Card ; Recent Utility Bill, and Drivers License in order to gain access to my Credit Card Line of Credit. I proceeded to email and upload all requested documents on XX/XX/XXXX and XX/XX/XXXX.

I called XXXX   at XXXX to inquire about the status of receipt of my required identification documents and the customer service representative verified receipt of my Drivers License and XXXX XXXX XXXX  Utility Bill and indicated that for some reason Card Services could not receive the emailed uploaded copy of my Social Security Card which was very concerning since Card Services received the Drivers License and XXXX XXXX XXXX Utility Bill from the identical email address : ( Support ) XXXX.

I spoke with a Card Services Representative about their indication that my copy of my Social Security Card was not be received mysteriously and I re-emailed it at least 4 times ( between the dates XX/XX/XXXX and XX/XX/XXXX ) and 3 times while the Customer Service Representative was on the phone line around XXXX XXXX CST on XX/XX/XXXX. No plausible reason was provided as to why my Social Security Card was not received which is sensitive personal indentification information.

On XX/XX/XXXX, the Customer Service Representative did not provide an alternate email address for me to upload and email my Social Security Card in order for my Credit Line to be made available. I was simply told that my Credit Card will not be activated until XXXX  receives a copy of my Social Security Card. I am extremely concerned that my personal identification information has been obtained for Fraudulent Reasons and never was intended to provide me a Credit Card Line of Credit. I requested to escalate my concerns to a Supervisor and was denied an opportunity to complain to a Supervisor or Member of Management for review.

I had no other choice but to file a complaint with CFPB on XX/XX/XXXX to protect my personal identification information to avoid potential fraudulent activity with personal identification information submitted for XXXX Credit Card approval and usage.
Complaint sub-issue: Don't agree with fees charged

I began making payments on my {$44000.00} student loan balance in XX/XX/XXXX. I made 5 monthly payments of {$450.00}. Then, I asked FedLoan if I could be placed on a graduated repayment plan. I was told NOT to make my monthly payments while they worked to put me on the graduated repayment plan. It took them 7 MONTHS to put me on the repayment plan. During the time that I FedLoan took to transfer me to the new plan, my interest was capitalized twice - adding {$1500.00} onto the principal of my loan. This wiped out ALL progress I had made with the 5 previous loan payments, bringing my new loan balance to {$44000.00} on XX/XX/XXXX. This is fraudulent. 

Also, I called FedLoan on multiple occasions, speaking to different representatives, who all gave me different information during the repayment plan process.
Complaint sub-issue: Account information incorrect

I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and making it hard in me and my family financially. I need this information removed from my credit as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

Hello, In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX aka XXXX  account # XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX  account # xxx xxxx xxxx XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Can't temporarily delay making payments

In XXXX, my husband and I took out loans for school in Pennsylvania. After many deferments and transfers from one service provider to another we ended up with PHEAA/AES as our service provider. Since then, we have filed bankruptcy two times and the student loans are still owed. However there are many problems with this. They show the  disbursement date is XXXX. That is a mistake. We relocated to Virginia in XXXX. The disbursement date wouldve been XXXX or XXXX. Since the government has placed into law that student loan payments and interest would be on hold until the end of XXXX, AES started sending letters that we were past due in XXXX. I dont understand how this is possible if this is a federal student loan. Now the government states we dont have to pay loans until XXXX XXXX AES is still attempting to collect.
Complaint sub-issue: Received bad information about your loan

I have several student loans from undergraduate and postgraduate programs. I wanted to go into the program for civil service repayment for forgiveness after 10 years of payments, because I am an XXXX   XXXX  XXXX. I called XXXX three years ago and was told that all of my loans had to be consolidated in order to go into the program. Though they had different interest rates, some were very low. So I went ahead and consolidated my loans. Then I applied for the program and was told that all of my previous payments did not count because I consolidate my loans. So not only do I have to pay more because of the higher interest rates, none of my payments counted for years. Also, they kept changing things so that none of my payments are in the right place to qualify. I feel like I am being ran around to just make payments for ever!
Complaint sub-issue: Account information incorrect

I mailed a written request to this company asking for further verification of the alleged debt they are reporting on my credit history. It has been almost 6 months since I submitted this request and I have not heard back from them. This is a direct violation of my consumer rights in accordance to the Fair Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

Informative research- Inquiry from XX/XX/XXXX Equifax mortgage ser- Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX- Inquiry from XXXX XX/XX/XXXX XXXX  - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a letter from PMAB , LLC dated XX/XX/2020 ( see attached ), listing several outstanding old medical bills in the about of {$7400.00}. I called PMAB on XX/XX/2020 to inquire about these bills. I spoke to XXXX who told me the bills were in my name and needed to be paid " now '' or it will hurt your credit rating. I asked her to send me verification which I received a letter ( see attached ) listing all the bills dated XX/XX/2020 with a new amount of {$8200.00}. On XX/XX/2020, ( without admitting recognition of the debt or acknowledgment of the liability ), I sent ( see attached letter ) a letter agreeing to settle the debt for {$820.00}. The letter clearly states I asked for a response in 15 days from the receipt of the letter. 

Then on XX/XX/2020 I received an email from XXXX XXXX saying there has been new activity on my credit report. When I checked my report every single medical account from PMAB that was not previously on my credit report is now showing up on my credit report as owed. 

To date, I have not received any response from my settlement offer dated XX/XX/2020.
Complaint sub-issue: Information belongs to someone else

My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX or XX/XX/XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.
Complaint sub-issue: Account information incorrect

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Citi Bank N.A, to XXXX, XXXX  and XXXX. I discovered 12 Errors on Each report. Which indicates that Citi Bank N.A. broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent to letters on Citi Bank N.A. via Certified US Mail, inquiring about the loans reported to my XXXX and two letter XX/XX/2019inquiring about the loan on my XXXX. They responded XX/XX/2019 Informing me that there were three loans, ( XXXX, XXXX, and XXXX ) that they were responsible for reporting on. I myself only discovered two loans reported to XXXX  and XXXX. What and where did this loan third loan come from and what is the information on it. They seem to very secretive. I wrote XXXX and XXXX  but certified Us Mail With Retuned Receipts on XX/XX/2019. These accounts have been removed from my credit since they were brought and consolidated. They need to be held accountable for breaking the laws.
Complaint sub-issue: Problem accessing account

XX/XX/2019 I was advised the bank was planning to block my account. I have gone into the bank branch and called their Consumer support line multiple times. 

The bank can not or will not tell me why they are going to block my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted proof to XXXX that my loan with Citibank was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. Citibank continues to provide the wrong information. Over the past two decades, I have received multiple letters from Citibank, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, Citibank is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either Citibank or XXXX to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was Citibank, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX Account Name : XXXX XXXX  Their Address : XXXX XXXX XXXX FL XXXX XXXX, FL XXXX Phone number XXXX and Account # XXXX Account Name : XXXX XXXX XXXX, Their Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem with rewards from credit card

Citi ( R ) Cards, XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This company offers the Costco Visa Card that specifically states a 3 % rebate on travel services worldwide. I have been denied this 3 % rebate multiple times and have always filed a dispute with denial and them placing blame on the merchant ( which has nothing to do with 3 % cash rewards ). The Customer Service Team will send a conditional credit onto my account, waste weeks and ask for additional paperwork, proof of my claims, etc... only to be let down and screwed out of 3 %. Citi ( R ) Cards has reversed the 3 % cash back every time and disputed my claim on multiple occasions. This needs to be addressed via governmental agency for fraud and misrepresentation. I have attached the last letter I sent Citi ( R ) Cards and they FAILED AGAIN!
Complaint sub-issue: Personal information incorrect

ATTENTION : THE FOLLOWING INFORMATION NEEDS TO BE UPDATED AND CORRECTED ON MY CREDIT/CONSUMER REPORTS. I DO NOT KNOW WHY THIS HAS NOT BEEN UPDATED SINCE I HAVE MOVED HERE. THIS HAS BEEN A CONSTANT ISSUE FOR ME. PLEASE UPDATE MY CELL NUMBER AS WELL. 


CELL NUMBER XXXX PRIMARY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PLEASE FEEL FREE TO CONTACT ME FOR ANY REASON AT THE GIVEN NUMBER OR AT MY EMAIL ADDRESS. I HAVE INCLUDED COPIES OF MY SSN CARD, LICENSE, UTILITY BILL, AND MY MONTHLY PHONE STATEMENT. THANK YOU FOR YOUR COOPERATION IN THIS MATTER. 




XXXX XXXX XXXX EMAIL : XXXX XXXX : XXXX
Complaint sub-issue: Information belongs to someone else

The following account does not belong to me. I have reached out to XXXX, Equifax, and XXXX  several time via mail in reference to this matter. 

XXXX  XXXX XXXX acct # XXXX amount- {$420.00} XXXX XXXX Acct # XXXX amount- {$770.00} XXXX XXXX XXXX Acct # XXXX amount- {$250.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX I was notified by Citi bank fraud detection that someone was attempting to use my card at a XXXX XXXX XXXX and I notified them that I was Not making the purchase. After I was prompted to review my statements if any other purchases were on my statement besides the attempted purchase that was blocked. I discovered a fraudulent transaction that was made on XXXX in the amount of {$3200.00} at XXXX XXXX. I contacted Citi Bank to let them know of the second charge and they sent out a new card but said the charge was valid. I tried to contacted the merchant and discovered it was a fraudulent company that I cant even get an invoice to exam or any information about the charge.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, my husband I applied online citibank.com for a checking and savings account. on XX/XX/XXXX we received an email notice that we need need to provide additional documents. We provided all necessary documents on or before XX/XX/XXXX. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I called to check on a status of debit cards to be mailed. I was told they were on the way. On XX/XX/XXXX, I went to a branch and was told that no cards were ordered. I then called again and was on hold for an hour. The agent reassured me that he would overnight the cards to me. Then later that evening my husband called on XX/XX/XXXX about his debit card and was told them same information. it is now XX/XX/XXXX and we do not have debit cards or access to the accounts. We are unable to get truthful answers to our issue from the representatives. I would like to lodge a formal complaint against citibank. The account is due to close on XX/XX/XXXX for lack of activity.
Complaint sub-issue: Problem after you declared or threatened to declare bankruptcy

Carmax continues to make contact in order to collect payments/repossess vehicle numerous times after being made aware I have retained an attorney for bankruptcy.
Complaint sub-issue: Account terms

I had several issues over the past years that had caused me to become delinquent with my mortgage account, at one time, I used to travel for work and had to rely on my own funds to travel and my company was not very punctual with replacement payments which caused me to become delinquent on my account, then I had medical issues which, again, caused me to become late with payments. I have since become current on my mortgage, after a loan modification, and have remained current since.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield collection.

Called XX/XX/XXXX Called XX/XX/XXXX - hung up on - Hung up on by XXXX, supervisor - Refused to validate debt. Said it would be pointless that it would come back as validated no matter what.

- Did not have contact information, correct amount or address.

- Threatened to send collection to credit report to hurt my credit score.

- Had to leave message as hung up on and would not take my call nor answer my call back. Demanded no contact, written notification of debt and written validation of debt within 30 days.

XX/XX/XXXXcalled corporate and was told be XXXX, HR to file a lawsuit and wouldnt transfer me.

-Called attorney and he said I dont know what you want me to do.

- said you got out 7 months early so four months is a deal and I need to pay the money regardless even though I legally followed steps to break the lease when I bought a home and moved out.

XX/XX/XXXX- hit my credit report and I filed a dispute with XXXX  .

- never received written notice of debt.

- never received written validation of debt.

- hunter warfield refused to call me back nor answer my phone calls.
Complaint sub-issue: Deposits and withdrawals

On Friday XX/XX/2022 I went into my Discover Bank account to add my XXXX savings account ( operated by XXXXXXXX XXXX  ) as an external account to transfer money. Both of these banks are legitimate FDIC registered banks. 

Upon adding this external account, my Discover bank account was immediately locked. I called Discover but they explicitly told me ( XXXX different representatives ) that XXXXXXXX XXXX  is " not supported '' for ACH transfers from Discover, and that I should initiate the transfer on the XXXXXXXX XXXX  side instead. The did not and would not provide additional details as to why it is " not supported '', stating that " some banks are just not compatible with each other '' which is simply not true for a standard ACH transfer within the US, for two FDIC registered and insured banks. 

No transfer to this account was even initiated ( not that it should matter ) for Discover to freeze my account.
Complaint sub-issue: Application denied

I applied for a store credit card. My credit was preciously frozen. I informed customer service I would unfreeze my credit and be back. I received a text via phone asking that I unfreeze my XXXX  to process the application. I was given a reference number via text ( XXXX ). I went to Best Buy and the associate was given a valid California ID., and I verified my information. On yearly income, i put XXXX... I can prove my income as XXXX XXXXXXXX XXXX XXXX XXXX XXXX.. The associate called a third party and I was placed on the phone with an employee from citicards which grants or denies credit. I was asked for a valid phone number so he could send a text to my phone.. He then went on to state that he couldnt text to my phone going on that it had to be a US number ... My number is area code XXXX which is XXXX XXXX I had received a text from that company so I knew he was lying to refuse me credit..My credit score is XXXX which is excellent!. I asked what was the problem..He stated that my social security might be stolen and I might be using a fake name... I asked for a manager and she just went along with the employee stating that they could not text my phone some type of code which is a lie because I received a reference number on my phone... It seems that they can not believe a XXXX man can have great credit and make XXXX XXXX a year! ..I was accused of stealing someone elses ID and social security number by the associate. I dont understand why the first Best Buy Associate would call a third party just because I am XXXX!. This is directly insulting and discriminatory! ..I showed the employee my ID!. I have an account with BEST BUY. I am highly upset about this situation!. I tried another way to verify my info. I offered to email them a copy of my ID. They lied and stated that they can not receive emails!. But when I got home, I got an email from them!. There was no reason to deny me credit and accuse me of stealing someones ID and or social security!.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX, I contacted Equifax to unfreeze my account. They offered fax or mail to send documents to unfreeze my account. 

I faxed the number they provided XXXX XXXX XXXX XXXX, on XX/XX/XXXX, which included a copy of my drivers license, social security card, and a cover letter requesting my account to be unfrozen. I followed up on XX/XX/XXXX Or XXXX via phone call, and my documents had not been received or processed. I faxed again on XX/XX/XXXX to the same Number. 

I have received no notification via mail that my account is unfrozen. 

I called again today, XX/XX/XXXX, and was told my documents are not uploaded. 

At this point I have lost faith in faxing or mailing to equifax.