Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with balance transfer

I set up an account with Discover card company. The agreement was no interest for 21 months on balance transfers. I transfered a little over {$8000.00}. I paid aprrox. {$300.00} a month for a year. Then I noticed discover started charging me interest. they said I had paid off all the balance transfer. Impossible as I had only paid {$3600.00}. I had a bad charge on the card of about {$5000.00}. When the charge was finally settled discover added the XXXX to the balance transfer and said the agreement was satified. The bad charge was NOT a balance transfer. They then started charging me the normal interest rate for charges. 
I called many times and talked to different people ; I talked to a supervisior and they said they would look into it. I kept calling but no answers. I transfered {$4000.00} out of the account and I am trying to get the rest transfered out, but mean while I am paying interest which I should not have to pay.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a US Bank Credit card because they had an introductory offer of 50,000 points ( {$500.00} ) if you spend {$1500.00} in the first 120 days. 

I applied and got the card- but they only gave me a {$500.00} dollar credit limit so I can't take advantage of the offer! 

I have a XXXX Credit score, I make close to $ 100k / year and have had the same job for the last 10 years. I own my house and have basically {$0.00} debt. I also just closed $ 20k worth of credit lines, so the idea that they can't see fit to extend me a bigger line than {$500.00} seems ridiculous.
Complaint sub-issue: Information belongs to someone else

Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my XXXX  and Equifax credit reports immediately.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX, I was arrested in the parking lot, on an outstanding warrant for a Probation Violation where I was living at the XXXXXXXX XXXX in XXXX, AZ. All my clothes, hygiene, dog, wallet ( with my CARD.COM card, my XXXX XXXX XXXX, my XXXX XXXX my XXXX XXXX and cash ), laptop, etc. were all in the room at the hotel. I was iXXXX at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at the hotel when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX. Since I was incarcerated, with NO access to my to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on 3 separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim. NEW CLAIM : Card.com paid me {$630.00}, which was for transactions that occurred while I was incarcerated. However, there are still several transactions that occurred while I was incarcerated, that were not reimbursed. There still is an outstanding balance owed to me of {$1000.00}. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. 
I originally filed a Transaction Dispute with CARD.com, on their website on XX/XX/XXXX at XXXX. Then on XX/XX/XXXX, I had to add more disputes and send them my arrest report, etc., which I did. CARD.com asked for additional information, which I uploaded on XX/XX/XXXX and XX/XX/XXXX. CARD.com denied my Dispute, so I filed a CFPB Complaint # XXXX on XX/XX/XXXX and they reimbursed me for {$630.00}, but there is still an outstanding balance of {$1000.00}. So, I filed another Complaint # XXXX that they were looking into it and would notify me by mail. CARD.com responded on XX/XX/XXXX : We have reviewed the documentation included in XXXX XXXX complaint and have filed a dispute for the additional XXXX transactions that occurred between XX/XX/XXXX, through XX/XX/XXXX. The claim can take up to 90 days to be resolved. XXXX XXXX will receive documentation regarding this new claim via mail. Should you or XXXX XXXX require any additional information feel free to contact us at ( XXXX ) XXXX. As of XX/XX/XXXX, CARD.com has not contacted me via mail, email or phone. 

On XX/XX/XXXX, I filed a Complaint with the XXXX XXXX XXXX  Complaint # XXXX. To date, CARD.com has not responded. 
I called CARD.com on XX/XX/XXXX, and was informed that my claim was denied because I had this same issue before. Of course Ive had the same issue because its THE SAME ISSUE!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX   partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX EOSCCA XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, XXXX which you claim I owe {$2400.00}. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity  of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Debt was result of identity theft

Contacted this bank and they are unable to provide me any information concerning a fraudulent account. Sent mail and filed FTC complaint. This company refuse to validate debt. This company cant provide signatures on any documents because the account is fraudulent.
Complaint sub-issue: Debt is not yours

Hi, how can you be late and past due on collection accounts? Why are you failing to provide me detail request to validate this account? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX recently checked my consumer report and noticed there are fraudulent accounts reporting to my credit profile. I reached out to EQUIFAX and to no avail I did not receive a solution. I filed an Identity Theft report, please see uploaded document. I am aware pursuant to 15 USC 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency such as EQUIFAX with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with account XXXX XXXX XXXX XXXX XXXX, AND XXXX is not relating to any transaction by myself, EQUIFAX IS REQUIRED TO PLACE A BLOCK ON MY CONSUMER REPORT ON THE INFORMATION ASSOCIATED WITH XXXX XXXX, XXXX XXXX, AND XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained PLEASE SEND ME A STATEMENT SIGNED UNDER THE PENALTY OF PERJURY WITH EVIDENCE OF THIS COUNTERCLAIM. A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I, the consumer have put in a dispute with EQUIFAX and I have made it clear this information has not been verified and can not be accurate. EQUIFAX has violated 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and proceeded to furnish my information without any verification or lawful authority. These accounts must be removed. Upon removing these accounts from my consumer report DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE.
Complaint sub-issue: Trouble with how payments are handled

I have been trying to renew my income driven repayment plan. I have sent the information in by mail twice and also directly uploaded the required forms t o FedLoan 's webs ite. The only response was a form email telling me I was missing information, but I have no idea what that info could be! I also emailed them, as instructed, to suspend my direct debit payment since without th e IDR my p ayments are more than I can afford. I did n't get a response fo r four days at wh ich time the response told me I was too late to postpone but it was only late because they did n't answer me for so long!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX & XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

Account in great standing. 
issue : 65 pts off for an open accounts that is in great stading?

65 pts to XXXX We found 1 change to your Equifax credit report. 
New Accounts XXXX  - CARD SERVICE Account Opened Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time. 
Between XX/XX/XXXX and XX/XX/XXXX, your XXXX  - CARD SERVICE credit card was added to your report. This account was opened on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

There were fraudulent accounts on my Equifax credit report and I asked Equifax to remove these accounts and they failed to do so.
Complaint sub-issue: Was not notified of investigation status or results

Good Afternoon, I have been  a MACYS cr edit card client, since   XXXX  . I have been sa tisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect. Macys has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all 3 major credit bureau reports. Macys has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting MACYS regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.      Thank you in advance, for all your assistance.
Complaint sub-issue: Charged too much interest

My balance was {$2200.00} and I made payments totaling {$1500.00} prior to my due date of XX/XX/XXXX. The payment amounts and dates are as follows ; XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$15.00} However I was charged interest on a balance of {$1800.00} when I shouldve only be charged interest on a balance of {$700.00}.
Complaint sub-issue: Seized/Attempted to seize property

My business failed and my partnership dissolved. BB & T, after being notified that I am looking into bankruptcy options and am working on all my debt starting withdrawing money out of my personal account for the business credit card. They did this until I was over drawn and left with nothing. After complaining they stopped but now are steadily calling and harassing me and I am in fear of them draining my account again leaving me with nothing and no ability to pay any bills. I am committed to doing the right thing but I think it is an atrocity that they can take money directly out of your personal account for a business debt without notice and then allow your account to be in default to other creditors and then charge your account fees on top of that. It 's insanity.
Complaint sub-issue: Frequent or repeated calls

I have told title max repeatedly that I am not being paid my paycheck on time due to having to wait for the government to sign off on our commission. I work for XXXX..and yet they have still been calling XXXX and sometimes XXXX times a day filling my voicemail box.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Investigation took more than 30 days

To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I   am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a credit limit of {$600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1000.00} XXXX  XXXX {$370.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX {$0.00} XXXX {$5800.00} XXXX XXXXXXXX {$11000.00} XXXX {$230.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} XXXX XXXXXXXX {$560.00} XXXX XXXX {$630.00} XXXX {$1000.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

Referring to DISCOVER card 's {$50.00} referral bonus. I was both referred by a friend over a month ago and I referred somebody else two weeks ago. By the terms of the promotion, I should have received {$100.00} total for both referrals. It has been a month since opening my credit card ( my first purchase was XX/XX/XXXX ), and I have not received anything to date. Discover customer service has not been able to help after contacting them multiple times.
Complaint sub-issue: Reinserted previously deleted info

I submitted a dispute with Equifax Information Services on XXXX XXXX, XXXX for a collection account with XXXX XXXX XXXX in the amount of {$570.00}. The account was in error, as XXXX XXXX XXXX had billed me for services that they never rendered. Equifax removed the information from my account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Equifax reinserted this account on my file for {$570.00} under another company name XXXX XXXX XXXX. This was done dispute receiving sufficient information from me to show that the account was submitted in error. I disputed the account with Equifax to which they did not remove the account from my file.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have gotten into the hands of the wrong person.