Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

I applied for a credit card to be used for an international trip in XX/XX/XXXX. I let the bank know I never received the credit card, it was closed and I received another card. Shortly after my trip I paid the balance off and closed the credit card the following month. XX/XX/XXXX I noticed monthly payments were taken out of my checking account ( Total amount {$570.00} ) I called and complained of fraud. They said the payments were going towards a credit card and the only one I could think of was the one I used for my international trip which I paid off in full and closed. Another major issue was that I never authorized these auto payments towards this credit card and I complained about that. I was told the balance on this card was the annual fee that was never paid and it inured interest - there were no purchases made so the balance is only annual fee and finance charges. I made the full payment and closed the card therefore there should not be an annual fee nor finance charges. The bank has made a huge mistake and making me pay for their mistake. I've had other international cards, paid them off in full and closed them. This one they failed to close when I requested it. 
Theyve sent to collections and ruined my credit history. They also did not renew my current credit card which expired XX/XX/XXXX which Ive had for many years and always paid my monthly balance in full. Ive been a loyal customer to this bank for over 20 years. This has caused me extreme stress, very upsetting and disappointed with this bank.
Complaint sub-issue: Can't use card to make purchases

I have been promptly paying my charges. To date, XX/XX/2021 I have made a total amount of charges for {$530.00}. To date, I have made a total amount of payments in the sum of {$560.00}. This being a secure credit card, for which I deposited {$200.00}. So, I should show an available credit balance of {$230.00}. But my available credit balance shows as {$0.00}.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 I sent a letter to challenge the accuracy, compliance and reportability of the listing in my credit report they have failed to provide me any original documentations associated with this accounts, bearing my signature. In the absence of any such documentation bearing my signature they have taken advantage of me it has been stressful for me to get finance and have violated my rights under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) the accounts that i disputed have not been deleted under my credit report it has been over 60 days Equifax and XXXX have not provided any original documentation with my signature with the unknow debts that are reporting in my credit report i demand these accounts to be deleted
Complaint sub-issue: Problem with customer service

My loans qualify for PSLF under the Temporary Waiver, with my ECF approved in the spring. XXXX was my servicer and I was transferred to MOHELA in early XXXX. On XX/XX/XXXX, after no change in status, I called and spoke with a MOHELA supervisor who advised that the transfer process and having my loans discharged could take up to 90 days. On XX/XX/XXXX I contacted MOHELA again to ensure that they didn't need anything else from me and they confirmed they had my PSLF form, my ECF form, and that it is a process that could take up to 90 days. It has now been just over 100 days since MOHELA said it could take 90 days, which itself was nearly 30 days after the initial transfer. My loans have not been discharged. Both MOHELA and Studentaid.gov systems concur that I have XXXX qualifying months and am eligible for PSLF. I began a complaint case with XXXX on XX/XX/XXXX and have received no followup or contact as a result ; and there is no provided means through which to escalate to the Ombudsman. MOHELA 's service and processes are slow and inadequate.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Complaint sub-issue: Trouble with how payments are being handled

After graduating school in XX/XX/XXXX, I started paying my student loans in the fall of that year. By spring of XX/XX/XXXX, I began paying via an Income Based Repayment Plan. FedLoan had become my Loan Servicer.  Because I am XXXX and make a very small salary, my payments were {$0.00}, and I would pay some interest annually. I was always approved for the program so had no problem. In XX/XX/XXXX I tried to switch to a REPAYE plan with FedLoan, which has slightly better conditions, and it has been absolutely out of control. I began to receive contradictory reports, such as that I owed about {$550.00} a month, which is half my monthly income, which makes no sense on any IBR. I spoke with FedLoan on the phone myself in early XX/XX/XXXX with the aid of a student advocacy service ( XXXX XXXX XXXX ), and they told me I would be enrolled in the program for a reasonable {$35.00} a month. On XX/XX/XXXX I got an email saying I was approved for an IBR ( not REPAYE ) for {$490.00}. I called them again and they reaffirmed that I would be on their plan for {$35.00} a month. So they ca n't even seem to get their own figures right. All was quiet as the Administrative Forbearance supposedly needed to process this happened ( all the while interest continues to accrue ), until on XX/XX/XXXX I received a bill for {$690.00} from FedLoan which they said would be withdrawn automatically ( although I am not enrolled in this autodraft ) from my Debit account. To make it even more confusing, today, XX/XX/XXXX, I was told I was approved for an IBR plan ( again, not REPAYE ) for {$330.00}. This is absolutely outrageous. They ca n't get their numbers straight, they ca n't figure out which plan I am on, even though I have submitted all the certification paperwork ( and recertification ) year after year. I simply can not afford to pay either {$690.00} or {$330.00} OR {$490.00}, and these are outrageous figures " generated '' for an income based repayment plan. If I could afford these, I would n't need to be on an IBR in the first place!
Complaint sub-issue: Account status incorrect

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? 
XXXX XXXX is reporting the date last active as XX/XX/2021, Equifax is reporting it as XX/XX/2021, and XXXX is reporting the date last active as XXXX date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't XXXX reporting any payment history other than XXXX of 2021? How can I be on time with my payment in XXXX of 2021 with Equifax but charged off that same month with XXXX? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? When was the date of first delinquency with all XXXX consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Complaint sub-issue: Company closed your account

Hi, I signed up for the US Bank XXXX XXXX credit card. One of the features of the card is that it earns 2 extra points per dollar on mobile wallet purchases, such as XXXX XXXX, XXXX XXXX, or XXXX XXXX.
My account was closed because I " abused '' the 2 extra points per dollar use by purchasing gift cards via XXXX XXXX. I spent about 400-600 dollars per month on gift cards on XXXX XXXX, and about 100-200 dollars per month on other purchases using XXXX XXXX  totaling about 1,000-1,600 extra points per month. This equates to roughly $ 10- {$16.00} per month. For a credit card with a {$400.00} annual fee, I believe that this is not a significant amount, similar in spending that I do with other credit cards that give extra bonus points for gas or restaurant spending.
Furthermore, the use of XXXX XXXX to purchase store gift cards is not explicitly disallowed in the terms and conditions. The terms and conditions ( XXXX XXXX XXXX ) state that " Qualifying purchases do not include Convenience Checks, Advances ( including, but not limited to, wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Balance Transfers, Interest Charges and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. '' I believe that US Bank thought that my gift cards were cash convertible items. However, they were gift cards on sale that I purchased to obtain a discount on future purchases that I would already make or give to others as a gift ( pay {$20.00} for {$25.00} XXXX XXXX gift card, for example ).
My online account is closed off to me so I can not attach any documents or statements at the time.
Complaint sub-issue: Debt is not yours

XXXX XXXX Account XXXX has been sending me collections notices in the amount of {$970.00} The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature.
Complaint sub-issue: Reporting company used your report improperly

I have disputed this twice and this was the day the dispute started on XX/XX/2021 because this was the date it shows it was delivered. They never verified these items, and they failed to delete these items from my credit report. 
I have never had any dealings with the companies listed below. After no response from XXXX, Equifax or XXXX, i did further research on the companies listed below. These companies are not licensed in the state oXXXX XXXX  which means they are attempting to collect on a debt illegally. Per laws ; Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 1681 C-2 These items have to be deleted off my credit report immediately due to the reasons stated above. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report it also show these student loan accounts closed but they were paid off. They should be deleted off my credit report also. 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

On, XX/XX/XXXX, my account had three separate {$500.00} withdrawals through XXXX from three different people whom I do not know. I have only used XXXX to pay someone many years ago and since have not. 

I immediately went to the bank and they began the investigation process. I changed my account number, cards, etc. XXXX XXXX, I heard back from PNC Bank and they said there was nothing that PNC Bank can do, that I will not get my money back and to file a police report due to crime committed against myself. 

These are unauthorized transactions for a total of {$1500.00}. I am the sole provider to my family and this is truely hurting our family.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX   sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX   XXXX {$5300.00} DEPT OF EDUCATION/XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER 13-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute regarding the inaccurate bankruptcy records on my credit report. LexisNexis responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

contacted company about incorrect information on report and company did not properly investigate
Complaint sub-issue: Information belongs to someone else

Over the past few months I've filed numerous disputes with Equifax to remove an unknown / fraudulent address I have no connection to. All of the disputes have been ruled in my favor and were to be deleted. To date it has not. And even after calling to inquire why the address hasn't be deleted everyone I talked to stated the report would be updated in 24 hours. Also I requested a 'consumer statement ' about this address be deleted which wasn't done either.
Complaint sub-issue: Account status incorrect

I have been disputing things with the bureaus for a very long time now and have gotten nowhere. I sent deletion letters and have been saying the late payments are wrong and they have been no help. I need them to remove things from my credit. I attached letters please respond.
Complaint sub-issue: Account status

Hi there! 
I have been battling with the XXXX credit reporting bureaus since last XX/XX/XXXX. I discovered I had been assessed a tax lien in error ( the lien was for a car that was a gift, but I forgot to check the " gift '' box on the title transfer, this the state [ Ohio ] assessed me the tax value ) but I worked with the Ohio Attorney General 's Office and they gave me a lien release letter that I sent on to the XXXX County Clerk of Courts. The lien is removed but should not have been assessed in the first place. I worked with XXXX and XXXX and when I submitted my disputes and paperwork they completely removed the lien from my credit report, but Equifax refuses to remove the lien and just shows that is " reporting correctly '' as being paid in full. This is negatively effecting my credit score and was not my fault in the first place at all.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and found XXXX XXXX XXXX   located on there. I then made a police report and also I identify theft report regarding the Issue. XXXX and XXXX  took my request in and blocked the account yet its still located on my Equifax account. 

After time went by, it had been three weeks so I gave XXXX XXXX a call see if they received my request that I had mailed it.. 

XXXX XXXX XXXX told me my request was denied because my address links back to the account that was opened in my name. 

When I sent it my identity theft report which is attached below. It currently has my current address. Phone number. And also email address. 

Even after XXXX XXXX  received my identity theft report and affidavit. They still denied my request.
Complaint sub-issue: Was not notified of investigation status or results

I contacted XXXX on XX/XX/2021 by certified mail requesting investigation and verification of collection acct from XXXX XXXX 
On XX/XX/2021 I sent a follow up letter to XXXX requesting that the account be remove because the collection agency failed to respond to my request to validate the debt. 
On XX/XX/2021 another certified letter was sent to XXXX requesting removal because collection agency did not respond to my request and did not provide validation. 
XXXX  responded and said the account was verified as accurate and will remain on report. 
On XX/XX/2021 another letter was sent to XXXX requesting removal and also requesting how account was verified as correct when the collection refuse to provide me with such information and how did XXXX obtain this information. 

Its been XXXX business days since I sent my original request for validation to the collection agency XXXX XXXX and I have yet to receive a response. 

Its been XXXX business days since requesting XXXX to properly investigate this account and to remove since it cant be validated. XXXX I ignored my request and I would like this account deleted ASAP for failure to respond and provide validation. 

XXXX XXXX failed and refuse to provide me with validation of this account and proof that this acct belongs to me and they recently reported the account to my Equifax report.
Complaint sub-issue: Charged too much interest

I called Citibank on XX/XX/XXXX due to a problem that I noticed with my statement. I have been paying the balance in full for the past few months, as indicated on the statement, yet they have been accruing interest monthly since XXXX. When I spoke to them on the phone, they did not have a good explanation as to why interest was being charged. It is my impression that when paying a balance on a card, that takes care of any and all fees that are due upon the due date ; however, Citibank said that there is a back log of how the interest is calculated. With that type of math, they will perpetually charge interest. I asked them if there was an amount that I could pay so that the interest charges would go away, and he said he didn't know. This is NOT a way to do business and is fraud. Citibank has been sued twice in XXXX for the way that they calculate interest and lost in both cases - this is deceptive trade and it seems that the only way to make the interest rates go away is to close the account.
Complaint sub-issue: Reporting company used your report improperly

Equifax security has been breached, resulting in compromised personal details ( including social security numbers and other financial information ) of millions of people, including my own. The company must be held accountable for the sharing of private information of millions of consumers.
Complaint sub-issue: Debt is not yours

I bought a bed from XXXX on XX/XX/2020 I bought it on lease from Acima I Paid XXXX that day and took on a lease. On XX/XX/XXXX I returned the product to XXXX. I no longer have the property. Despite the property being returned they charged me again on XX/XX/2020 XXXX and are trying to get more money from me despite me returning the product and threatening late fees. I am no longer responsible for this and need a refund and for them to leave me alone. So I paid XXXX for something I do not have. And they are trying to make me jump through hoops and pay for things I already returned.
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 confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I was the victim of identity theft in XXXX and XXXX of XX/XX/2020 and a criminal did a fraudulent hard inquiry to my Equifax credit on XX/XX/2020, in an attempt to open an account from XXXX XXXX. When I became aware of this issue, I contacted the creditor and had them contact Equifax to confirm that this inquiry was fraudulent. In addition, I contacted Equifax to let them know of this fraudulent hard inquiry. In the dispute outcome from Equifax ( Confirmation # XXXX ) I was informed by Equifax that the inquiry was fraudulent and had been removed. As of todays date XXXX XX/XX/2020 ), the fraudulent inquiry has not been removed! I have called and filed several subsequent disputes regarding this same inquiry only to be told to resubmit the information that Ive already sent. I followed those instructions and resubmitted everything ( police report, copy of my social security card, copy of my passport, letter from XXXX confirming that the inquiry was fraudulent, copy of my drivers license, and copy of my birth certificate ) only to be told that I needed to contact the creditor again. I followed that step and had the creditor contact Equifax and still the inquiry has not been removed. I understand that this is sensitive information but I DO NOT need to be told to contact Equifax again because I have already filed over 20 disputes and yet Equifax in spite of having everything has not performed the administrative task to delete the fraudulent hard inquiry. My issue is administrative and I need Equifax to delete this inquiry that I have proved on multiple occasions is fraudulent. I am unable to buy a home and live my life due to this fraudulent inquiry so please help me!
Complaint sub-issue: Other problem getting your report or credit score

I have been paying for a monitoring service from XXXX XXXX XXXXXXXX for the past 2 years and I have not been able to get all 3 scores only XXXX .... but I am still being charged every month. Despite the excessive hold time .... I still call them and I am being told that Equifax does not have my correct social security number. I have called Equifax and they have not been able to assist me even after I have sent them a copy of my social security card and my DL. I can't get my score from XXXX either.