Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

In early 2017, I applied for -- and was approved for -- a Macy 's branded American Express ( i.e., open loop ) credit card, which is issued by Department Stores National Bank ( hereinafter " DSNB '' ), a subsidiary of Citibank. The card was given a {$7000.00} credit limit. I utilized the card heavily, charging several multiples of the credit limit. This often resulted in later-declined charges and fraud blocks on the card that became inconvenient. However, all bills were paid on time and all charges were authorized by me. In early XXXX, 2017, I had anticipated the need to make multiple large charges on my Macy 's American Express. As a result, I overpaid the balance by making in-store payments. This resulted in a substantial overpayment. My hope was that this would allow me to make continued charges on the card without the inconvenience of continued blocks on the card. Unfortunately, shortly thereafter, the card was locked. When calling the phone number on the back on the card, I was immediately routed to a representative ( usually with a 20-minute wait ) instead of the XXXX. This resulted in multiple inquiries about the status of the card. Despite answering all the questions related to the card 's usage and payment history, the card was not unlocked. In early XXXX ( a month after the card was locked ), I spoke with a representative from DSNB 's fraud team who indicated that the card was locked and that there was " no timetable for the lock to be removed. '' As a result, I requested that the credit balance be refunded to me, and the representative assured me it would be. In early XXXX ( XXXX XXXX, 2017, specifically ), having received no refund or even any indication of a refund on the electronic card-management system ( XXXX XXXX XXXX XXXX ), I sent a certified letter ( return receipt requested ) to the address of record for Department Stores National Bank indicating my written request for a credit balance refund in accord with 12 CFR 1026.11 ( a ). As noted in this code section, upon receipt of the written request, the creditor has seven ( 7 ) business days to return the credit balance to the consumer. Per return receipt, the letter was received by DSNB on XXXX XXXX, 2017. As of today, XXXX XXXX, 2017, the electronic card-management system still shows no record of a credit balance refund. As such, DSNB and its parent, Citibank, are in violation of federal law. To avoid continued dispute, please refund the credit balance to the cardholder immediately.
Complaint sub-issue: Information belongs to someone else

I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX   Account Number # XXXX Balance {$1300.00} XXXX XXXX  XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX  Account # XXXX Balance {$380.00} XXXX/XXXX  XXXX Account Number # XXXX Balance {$350.00}
Complaint sub-issue: Personal information incorrect

I have been trying to get my name, SSN, DOB fixed with  Equifax since XX/XX/XXXX since I found out they had my DOB linked w/ my older brothers name & SSN when I went to get pre-approved for a mortgage loan. EQUIFAX did nothing to correct it until now ( after I had sent all the required documents ). Worker, XXXX XXXX, from Equifax signed for these documents in XXXX, GA on XX/XX/XXXX at XXXX. Yet, instead of correcting the problem & establish a different file for me, they DELETED my youngers brothers SSN & entered MY SSN in his file. Now all of my younger brothers mortgage loan, credit cards/auto loans are shown under MY SSN, but with HIS name & DOB. And none of my credit card/auto loans show up in there. I dont know why they can not see it right. The documents I submitted ( DLs, passport ) do not show younger brothers DOB. This problem needs to be fixed as earliest as possible.
Complaint sub-issue: Public record

Equifax has failed to provide me with documents bearing my signature for a chapter XXXX bankruptcy which is shown on my credit report. I have initiated XXXX good will letters and they still have failed to provide me with documentation with my signature. Under FCRA law they must remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.
Complaint sub-issue: Received bad information about my loan

I am on a student loan deferral from the XXXX granted by my XXXX contract. I have submitted the annual forbearance form every year since eligibility began in XX/XX/2013. My paperwork was late in XXXX - XXXX due to administrative failures at my unit of assignment during XXXX I confirmed with the servicer, FedLoan Servicing, that my deferral was backdated and my account credited, however, my XXXX trade lines had already been reported by the time the error was corrected since I was already 90 days past due. I have filed XXXX disputes since I originally discovered the issue, with the most recent dispute results arriving this morning. Today I spoke with Employee ID XXXX at FedLoan Servicing -- she was very helpful. FedLoan Servicing is refusing to fix the XXXX past due report, although they have backdated the deferral and any monetary penalties. The last time I spoke with a representative at FedLoan Servicing, I was told that I do not have to worry about my unit processing my paperwork after the deadline because the deferral would be backdated appropriately. This is not what happened, and as I am applying for mortgages to purchase my XXXX house, I have XXXX trade lines with XXXX past due records as XXXX of XXXX negative trade lines -- the other is a tax lien from the City of XXXX, NY for parking tickets I 'd failed to pay several years ago. FedLoan Servicing 's inability to enact sensible procedures is unjustly affecting my ability to lend at a rate commensurate with my riskiness as a consumer. 

The XXXX negative trade lines also affect my ability to acquire credit where automated credit decision engines are used to summarily decline applicants with a certain number of XXXX delinquencies -- a common practice in consumer lending, as these individuals tend to be exceedingly risky in today 's credit climate.
Complaint sub-issue: Information belongs to someone else

This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

My school loan from XXXX XXXX XXXX XXXX was supposed to be in forbearance for twelve months. However, they had been in repayment status because a six month forbearance was applied. During the time of repayment, I never received correspondence from XXXX XXXX. It was not until I applied for a mortgage that it was brought to my attention I was over 90 days late on a XXXX XXXX payment and my loans were no longer in forbearance. I never once received a phone call, email or letter regarding the repayment status of my loan. My monthly payments are only {$50.00}, the cost of the monthly payment is not the issue. 

Since XX/XX/XXXX, on several occasions, I have tried to work out this issue with XXXX  XXXX XXXX. They applied a retroactive forbearance to my loan, which covered the dates that were reported 90 days late on my credit report. I have written two letters and been in contact with several XXXX  XXXX representatives requesting a goodwill adjustment to my credit report with all three credit bureaus and XXXX XXXX keeps denying the request. A goodwill adjustment is allowed one time by the U.S Department of Education, but XXXX  XXXX to denies the request every time. 

I tried to resolve this issue by taking another route and dealing directly with all three credit bureaus. I requested written letters from XXXX  XXXX XXXX showing all the dates of my forbearance, include the retroactive forbearance that was applied to my loan. If I can show proof to the credit bureaus, they will make the adjustment to the reported 90 day late. 

On XX/XX/XXXX, I was told on by XXXX  XXXX that it would take 7-10 business  days for me to receive the documentation. As of XX/XX/XXXX, I still have not received this correspondence from them, they have yet to provide me with the information I need to clear up this matter with the credit bureaus. 

I have never once had a late payment with XXXX  XXXX XXXX and have no late payments on my credit report over the past ten years. It is crucial that I get this fixed as it may hurt my chances with potential employers, and has already stopped me from getting a mortgage. As of today, XXXX XXXX XXXX is still not complying with any requests and continues to refuse a one time goodwill/credit adjustment. They are making this process impossible.
Complaint sub-issue: Frequent or repeated calls

GB collections sent us a letter in regards to their client, XXXX XXXX XXXX. This is insurance paid through our payroll through XXXX. After I received this letter I contacted XXXX and they said I have nothing to worry about. I explained to GB what was going on but they did not listen. They have continued to call and send letters every three days. I did our due diligence and gathered all the information from XXXX and faxed it into the office of GB and they continue to still call and send letters. 

I called the morning of XX/XX/19 to after receiving a final demand threatening letter to find out why they were still contacting us. I explained that we had faxed into the office the documents XXXX old us to send into them. We are still paying for this service through our biweekly payroll. I tried to ask why the office was contacting me as we did their job and gathered their documents they were requesting. Before this office hung up on us and now is avoiding our phone calls they said our documents were incomplete. They never called or sent a letter to let us know the documents were incomplete. XXXX sells this insurance and told us we sent GB the correct information. 

As the FINAL DEMAND threatening letter was sent us today and we called within XXXX minutes to make sure this was resolved and now they are avoiding our phone calls. This is very unprofessional and this office should not have the license to collect debts if this is the office 's behavior. We have tried to address the issue and gathered the documents they needed to resolve this issues.
Complaint sub-issue: Investigation took too long

Equifax is taking over 30 days to send dispute results.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Complaint sub-issue: Frequent or repeated calls

Unknown pay day loan from XXXX XXXX XXXX. Calls multiple times a day and phishes number to show up as local callers.
Complaint sub-issue: Reinserted previously deleted info

They would remove the inquiries then they would put them back on, I do n't know why they would do that, only XXXX and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with one on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.
Complaint sub-issue: Problem accessing account

I lost access to the accounts and phone numbers that are the login credentials. After repeated attempts to access the account with the help of customer service i was told that access to the account or the funds would not be possible and they could provide no further information. The irs direct deposited XXXX dollars in the account in question and i need to access it.
Complaint sub-issue: Information belongs to someone else

cra violation inaccurate information id theft victim sent all po reports and hdp reports
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX and Equifax all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.
Complaint sub-issue: Debt was paid

I have as many as ( 3 ) accounts with false information on my credit reports. On Equifax, it still shows that my account with XXXX XXXX XXXX is unpaid. I got a paid in full letter from them last year stating that it was a paid in full account ( as of XX/XX/2019 ). This may or may not be on XXXX  ( I do not have an account with them ). There was also a bill from XXXX that I also paid in full in XX/XX/2019. I was also under the assumption that a collection bill from XXXX XXXX XXXX that should not have been on my credit report had been removed in XX/XX/2019 when I disputed it. According to XXXX, who I applied for a Credit Card with, it is still on my Equifax Credit Report. It wasn't showing when I logged in to view my credit report, but the fact that XXXX XXXX XXXX may not have done their due diligence to remove it, or that Equifax is still reporting this is damaging my credit score unnecessarily.
Complaint sub-issue: Debt was paid

On XX/XX/2020 XXXX @ XXXX XXXX XXXX XXXX extension XXXX called my husband 's family members On XX/XX/2020 called my place of employment 5 times before XXXXpm harassing my coworkers for my information. 

This company is claiming I owe school loan debt that was paid back over 5 years ago. 

I will lose my job if they continue to do this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with accounts and inquiries I did not authorize, please delete these as they are affecting me so I can not buy a house also update my personal information
Complaint sub-issue: Was not notified of investigation status or results

I have sent a 609 letter and it has been 30 days since the company responded. They have not showed me proof that 2 XXXX accounts that are closed/in collections are mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States that I have a 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 permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Complaint sub-issue: Attempted to collect wrong amount

A debt from XXXX that I disputed in XXXX increased by {$1.00} a couple of days ago. Im concerned this has reset the clock on my debt. The company, IQ Data International, has been incredibly hard to work with and puts me on hold for hours or just keeps me in a phone transfer loop until I give up. Im also concerned if I reach back out after 6 years they will take this as an attempt to pay my debt and reset the clock.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX and XXXX   XXXX.
Complaint sub-issue: Reporting company used your report improperly

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Complaint sub-issue: Problem with personal statement of dispute

I disputed contents of a file created by Checkr Inc. They did no first hand research although obliged to do so by law. Relying on a third party to do research makes their conclusion erroneous. The record still stands, no thorough first hand account of the information has been taken, nor is possible and they are responsible for the damages they are causing because of their disregard of the statutory obligations I am due.
Complaint sub-issue: Confusing or misleading advertising about the credit card

BB & T bank is telling me I can not redeem my reward points that I earned from my credit card because it is less than {$25.00}. I was not made aware of that when I opened the credit card. I asked them if they could just take my approximate {$14.00} of reward points and just put it in my currently active checking account at BB & T but they said no. They instead told me they can only redeem those points in multiples of {$25.00}, which means that anyone that closes a credit card there will likely forfeit ( on average ), about {$12.00} of points. This to me is a scam. They are making it almost impossible ( or at least very difficult ) to redeem all of the reward points because if someone is say {$10.00} short of the next multiple of {$25.00} redemption amount, they would have to spend hundreds of dollars more on that same credit card just to get the final {$10.00} of reward money. That is totally unfair and very misleading. 

I told BB & T they need to pay me my earned points otherwise I will close all of my BB & T accounts ( which I will ). When I opened the account, they told me I earn 3 % on gas purchases, 2 % on restaurants, and 1 % on all other qualifying purchases. This is actually incorrect ( and misleading ). Since I can not redeem my points ( because I only earned about {$14.00} in points ), my effective reward is 0 % for all tiers ( no 3 %, no 2 %, no 1 % ). I don't remember them telling me anything about this rule when I opened the account so it may be hidden in the small print but my point is they did not make me aware of it as they are supposed to go thru the rules of the card at the time of opening and make them clear. 

This is a big disappointment to me as I feel I have been scammed. Had they made me aware of this restriction when redeeming points when I first opened the card many months ago, I would have declined the card simply based on that stupid rule. It seems to me that just about everyone who uses a BB & T credit card will eventually get screwed out of some of their earned rewards because of this ridiculous rule they are claiming is in effect. I know of no other bank that has this stupid restriction so it appears BB & T is being " sneaky '' about this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX  and XXXX