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

Hello officer, On XX/XX/2022, I opened my Discover card account successfully. 

On XX/XX/2022, I activated my Discover card account successfully. 

On XX/XX/2022, Discover required my consent to receive income information from the IRS. I gave them permission to check my information from the IRS by signing Consent Form XXXX At this moment, Discover temporarily froze my account to use. 

On XX/XX/2022, Discover completed verification of my account successfully, and my account was lifted. 

On XX/XX/2022, Discover closed my account permanently since they are not able to verify my personal information on my account. 

I dont understand why Discover closed my account since I filed my tax to the IRS and state tax office and got a refund successfully. I am not sure what information they wish to verify. Since my account is closed with ambiguous reason, I wrote a mail to Discover to ask for a reason, but I didn't get any response. 

In XXXX, I tried to reopen my Discover account, and I was rejected since I did not have sufficient credit history. At the same time, I tried to open one XXXX XXXX XXXX XXXX XXXX XXXX credit account which does not require good credit history at all, but was also rejected. I believe that Discover severely hurt my credit history for no reason, and even forbade me to apply for a credit card in another company.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered an item online for a friend from homedepot.com which was either stolen or otherwise lost when delivered. I contacted Homedepot.com, Homedepot Citi Credit Card Services and XXXX XXXX to help me resolve the issue and they all have refused to refund or replace the item that they were responsible for. All theyve done is open investigation cases which were bias. XXXX  XXXX  had either left the item at the front door of a busy street causing it to be stolen or delivered it to the wrong address and refuse to take responsibility for it. Homedepot Citi Credit Card Services and  Homedepot.com are still charging me for an item I never received and have even called me a thief on paper, which is clear that they didnt do any real investigation.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

on XX/XX/XXXX i plced an order for 8 egg rolls from XXXX XXXX  the rotal was XXXX dollars they charged me XXXX i contacted the merchant and then charged me XXXX additional dollars for what rhey claim was an error fro XX/XX/2022 for an XXXX XXXX  i no nothing about nor was i even made aware of i want these charges refunded back.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Lexis Nexis is providing misleading instructions to resolve system errors. To gain access to your consumer file, submit a request online, wait for PIN via mail, Validate PIN, then I assume you gain access. When the provided PIN does not validate, the instructions state the only way to resolve is to speak with a live representative. The phone number provided XXXX connects to a recorded message that loops with no option to speak with a live representative. When you call the general contact number XXXX, selecting the prompts that direct you to the consumer side of the business routes the call to the same looped message. How are consumers supposed to resolve issues if Lexis Nexis has made it impossible to speak to a live representative?
Complaint sub-issue: Was not notified of investigation status or results

I have told these people that the items they are showing on my report do niot belong to me. I have waited the time frame for them to repsond and it is like they are ignoring me or purposely leaving wrong inforamtion on my credit report which is messing me up.
Complaint sub-issue: Problem with fees

In XX/XX/2021 I paid my balance in full on my Macys.com card run by Citibank. The balance was small, In XXXX I receive a statement that I am late on a payment - I noticed a {$2.00} balance. When I researched the item it appears that Macy 's added a {$2.00} fee to my account in XXXX, I did not receive a XXXX statement that showed a {$2.00} fee, the first statement I receive shows that I am past due. After searching on line it appears that this is a practice for Citibank to add a {$2.00} fee if your account is not paid in full by end of the month. I have paid my account in full in the past and have not had this {$2.00} fee assessed. I paid the fee, but am very concerned on how deceptive this fee is, and the impact that this could have on my credit report score.
Complaint sub-issue: Debt is not yours

I am filing this complaint because THE BUREAUS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Complaint sub-issue: Problem with statement of dispute

I sent Equifax documents on XX/XX/XXXX2016 ( Signed Affidavits, Police report, and a Affidavit stating for Equifax not to contact me by email and that request is ignored repeatedly. ) I recieved my latest response XXXX/XXXX/2016, and the items i asked to be removed was stated to be verified. 
The fair credit reporting act requires : 1. A complete investigation, and 100 % accuracy. 
2. Items Verified from Original Creditor/not 3rd party info. 
3. All fraud items to be removed/police report XXXX XXXX ( not verified to FCRA guidelines ) Tax Lien ( XXXX ) item not verified to FCRA guidelines. 
Bankruptcy XXXX XXXX XXXX not verified to FCRA guidelines. 
XXXX Collection XXXX ( I have no contractual agreement with this creditor ) XXXX XXXX XXXX XXXX ( I have no contractual agreement with this creditor ) Inquiries : XXXX na XXXX XXXX ( not mine ) XXXX Bank ( not mine XXXX XXXX XXXX Cu ( not mine ) SC XXXX XXXX XXXX ( not mine )
Complaint sub-issue: Don't agree with the fees charged

My loan servicer changed from XXXX now to XXXX ( Nelnet ). My loan interest rate was reduced to 0 % with a loan modification I did a few years ago. Now Nelnet is charging me a 1 % interest rate and has already applied interest to my loan! This is disturbing beyond belief!
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX HAS ALERTED ME THAT MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY INFORMATION AND ADDRESSES AND ALL PERSONAL INFORMATION MAY HAVE BEEN RELEASED MAKING ME EXTREMELY VULNERABLE TO IDENTITY THEFT
Complaint sub-issue: Information belongs to someone else

CARES ACT Violation personal loan late payment XXXX XXXX  XXXX FRCA Violation inquiry XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX
Complaint sub-issue: Information belongs to someone else

THERE ARE MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.
Complaint sub-issue: Their investigation did not fix an error on your report

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.
Complaint sub-issue: Old information reappears or never goes away

I opened a XXXX card in XX/XX/XXXX, left it go to collections and it closed XX/XX/XXXX. Pair it off XX/XX/XXXX. It was last reported XX/XX/XXXX. Called equifax to have it removed. Lady told me no it had to stay on until XX/XX/XXXX. Im calling XXXX on this one.
Complaint sub-issue: Debt is not yours

I was notified by my bank that my credit score dropped 47 points and began investigating what could have happened. I pulled an Equifax credit report and learned that MRS BPO , LLC on behalf of XXXX XXXX filed a collection against me for {$290.00}. I do not have an account with XXXX XXXX and verified that with the company. I was never notified of any debt due. I believe this is a mistaken identity case. I talked with two representatives of XXXX  XXXX and they both verified I do not have an account or owe money. They transfered me to the collection company where I was talking with someone when the call disconnected. They made no attempt to contact me.
Complaint sub-issue: Company closed your account

I HAVE FILED NUMEROUS WRITTEN COMPLAINTS AGAINST YOUR CONSUMER FINANCIAL PROTECTION BUREAU AND ITS REPEATED REFUSALS TO PROTECT THE CONSUMERS. CONGRESS NEEDS TO IMMEDIATELY DE-FUND THE CONSUMER FINANCIAL PROTECTION BUREAU DUE TO ITS REPEATED INABILITIES AND REPEATED REFUSALS TO PROTECT THE CONSUMER.THIS COMPLAINT IS RELATED TO THE ONE THAT MY BROTHER, ATTORNEY XXXX XXXX HAD PREVIOUSLY FILED WITH YOUR NON PERFORMING CFPB. ON OR ABOUT, XX/XX/XXXX MY BROTHER, ATTORNEY XXXX XXXX HAD OPENED UP AN ONLINE SAVINGS ACCOUNT WITH YOUR VIO ONLINE BANK DBA MID FIRST BANK XXXX XXXX   XXXX, OKLAHOMA. ALL OF THE MONEY THAT WAS DEPOSITED INTO THIS VIO ONLINE BANK ACCOUNT BELONGS TO MY BROTHER, ATTORNEY XXXX XXXX. I, XXXX XXXX HAD RECEIVED A LETTER FROM YOUR VIO ONLINE BANK THAT STATED THAT THE VIO ONLINE BANK HAD THE RIGHT TO CLOSE MY ACCOUNT. THE LETTER HAD ALSO STATED THAT ALL OF MY MONEY WOULD BE MAILED TO ME IN A CHECK ON XX/XX/XXXX. IT IS NOW ALMOST XX/XX/XXXX AND I HAVE NOT RECEIVED MY MONEY. A VIO BANK 'S SPOKESPERSON KNOWN AS " XXXX, LAST NAME UNKNOWN '' HAD REPEATEDLY STATED TO ME THAT MY MONEY WAS RETURNED BACK TO XXXX THROUGH AN AUTOMATIC CLEARING HOUSE ( ACH ) TRANSACTION. HOWEVER, XXXX HAD REPEATEDLY STATED TO ME THAT THERE IS ABSOLUTELY NO HISTORY OF VIO BANK AND/OR MID FIRST BANK ATTEMPTING TO RETURN ALL OF MY MONEY. FURTHERMORE, THE XXXX ACCOUNT THAT WAS PREVIOUSLY LINKED TO MY WRONGFULLY CLOSE VIO ONLINE BANK ACCOUNT IS NOW CLOSED. I, XXXX XXXX AM DEMANDINFG ALL OF MY MONEY BACK PLUS ACCRUED INTEREST MADE PAYABLE UP TO THE DATE THAT I HAVE ACTUALLY RECEIVED MY VIO BANK 'S PAPER CHECK/CASHIER CHECK THAT ACCURATELY AND CLEARLY SHOWS A PAYMENT AMOUNT OF ALL OF THE MONEY THAT WAS DEPOSITED IN THIS NOW CLOSE ACCOUNT PLUS ALL INTERESTS UP TO THE DATE THAT I, XXXX XXXX HAD ACTUALLY RECEIVED THE PAPER CHECK/CASHIER CHECK.
Complaint sub-issue: Don't agree with fees charged

My student loan servicer, Nelnet, keeps upping my interest rate. My loan was at 6.8 % as disbursed in XXXX and I 've earned lowered interest rate by 3 % through on-time payments and signing up for auto-pay over the years. After putting loan payments on a temporary hold for a year while volunteering abroad in XXXX, I returned to my usual auto-payments and my loan has been messed up ever since. In XXXX XXXX and XXXX XXXX, Nelnet has upped my interest rate percentage to 5.8 % without notifying me, removing my incentives. This is a bad practice ( they cited a " system error '' ) that should be stopped.
Complaint sub-issue: Debt was paid

I C systems # XXXX keeps sending a bill for XXXX. This original medical bill was from XXXX XXXX XXXX  XXXX This bill was paid in full by insurance and shows a XXXX balance. I C systems keeps validating this debt and sends me a bill from XXXX XXXX XXXX XXXX. with a XXXX balance. I C systems also is using my medical information to validate a XXXX balance.
Complaint sub-issue: Debt was result of identity theft

IC SYSTEM ( 11 XXXX XXXX  XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Debt is not yours

I am requesting that Nelson & Kennard please read the attached validation request and please provide any proof that I owe this debt to XXXX XXXX XXXX ( their client ) I have not filed a lawsuit as of yet. I am requesting no phone calls and to be communicated with in writing only.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had a Citi Advantage credit card that was used at XXXX  XXXX  XXXX  one time. After using the card the one time at XXXX, I noticed there were several other rentals that occurred after several weeks after my rental. I contacted my card company, disputed the charges, and received another card. The following month I noticed I had more XXXX  XXXX  charges on my new card. I contacted my card company once again and filed another dispute, and once again received another card. I contacted my card company and asked how were these charges being allowed to go through on my car, and no one could provide me an explanation. I was ensured that the company would place extra protection on my card and these charges would not continue. I even placed a lock on my card. A few months later even with the lock in place, I received more charges on my card from XXXX XXXX  XXXX. By this time I was furious because at this point I believe that the card company was allowing someone at XXXX XXXX  access to my information. I had not made any charges on my card for over a year, and these XXXX XXXX car charges as well as toll charges were continuously being placed on my cards. After receiving about 5 different cards and numerous disputes, and still paying my bill almost off, Citi placed an interest charge on all of the charges I was paying as well as the charges I had disputed. I closed the card, and have since been struggling to get the balance back down, because the card company will not remove the interest charges from the charges that were disputed and supposed to be removed. I recently called and asked why was I still being charged interest on charges that were supposed to have been removed from my card. It seems despite how much I pay this company, my balance seem to not go down. Now I was told on my last phone call that they are charging me interest on those disputed charges because I didn't provide them any documentation of the purchases, and when I explained that I could not provide paperwork I never had, it was like arguing with a wall because the woman couldn't seem to understand that concept. I am not sure if it was a language barrier or what the issue was, but when I called at got an american customer service rep and told them my issue, they hung up the phone in my face, and the foreign customer service reps never answer any of my questions. I am extremely frustrated by this issue because I continue to be victimized by the card company who claimed they were protecting me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX  ,2014- $   XXXX  - as k  XXXX   XXXX  to remove this off my credit report because this account is past 7 years and n o one  call me,
Complaint sub-issue: Reporting company used your report improperly

Notice of intent to sue credit reporting agency.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Before I hired my mortgage company or even of knew of XXXX XXXX XXXX, XXXX, XXXX ran my credit without my permission. Credit ran XX/XX/2021 ( this inquiry is reported by all 3 credit reporting agencies and XXXX ) ( XX/XX/XXXX notice attached ) Credit Plus XXXX XXXX XXXX XXXX, MD XXXX my actual lender was XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mo XXXX I never gave either one of them permission to run my credit. 

I was informed by the company XXXX XXXX forms ( attached ) were illegally created and other loan modification papers were sign with a signature that uses my name but not signed by myself. XXXX has informed me these are forged documents created by XXXX. 
This is the mortgage company I eventually ended up using and get and gave them permission permission to run my credit at a later time on XX/XX/2021. 

The latest credit score was not used on my loan which was a much higher rate. A lock in rate was obtained prior to XXXX legally having permission to a much higher credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquires Equifax Mortgage Services - XX/XX/XXXX Certified Credit Report - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Customer service wouldn't take care
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 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 stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 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 may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

fraudulent inquiries and inaccurate account information
Complaint sub-issue: Investigation took more than 30 days

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESE COMPANIES.
Complaint sub-issue: Attempted to collect wrong amount

I received a notice of debt collections from I.Q. International around XX/XX/2022. Showing that I owe The Original Creditor, XXXX at XXXX XXXX, {$3100.00} and intrest of {$440.00}. 
I was never informed about the interst till this notice came. 
The collection agency is saying I owe the total amount of {$3500.00}. 
Now I have to prove that I have already paid the XXXX. It is a good thing that I kept records, or I would have to pay this whole thing twice! 
Debt collections needs to be held accountable for their misleading correspondence. To many people end up falling into this debt trap. It is ridiculous that I have to prove what I have paid, when at least, the Original Creditor knew and has record of my payments. The collections agency should check beforehand.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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: Information belongs to someone else

Hi, I am victim of identity theft because all these accounts are not mine, and somebody just put them into my credit report. This is ridiculous. I am very sad now to see this kind of tragedy of Bureaus failures. Why they can not check and validate before they put in people reports misleading information? My life is divided between before and after because these unknow items killed my score and I can not do anything with it now until you guys help me and investigate who could do that and who stole my personal information. Please also remove these terrible unknow items from my credit report. I would appreciate if it takes little time for you.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX are trying to collect debt of original creditor XXXX XXXX account : XXXX which was never mine, I've reported Identity Theft, suspecting my neighbors in the building trying to use me info to get cards and car and loans. 

Also, it is reporting non according on compliant to the FCRA rules with payment status falsely reported, no verification date and status.
Complaint sub-issue: Account status incorrect

Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an inquiry on my report dated XXXX17 with  Equifax and they responded telling me to contact the creditor. The information says no information on file and there is just an inquiry with no bank information.