Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem making or receiving payments

First of all, none of the provided categories fit my specific situation so I picked the closet possible choices but my issue is actually about a sign up bonus for opening a business checking account at US Bank. 

It's a bit of a long story so I will try to accurately describe the situation while keeping it concise and easy to follow. 

I opened a business checking account ( as sole proprietorship/a DBA ) based on a promo offer some time in early XX/XX/XXXX ( promo was a {$300.00} bonus after depositing {$3000.00} within 30 days etc. ). Here is an example of their current offer : https : //www.usbank.com/splash/business-checking/online-banking-bonus.html # : ~ : text=Earn % 20your % 20 % 24300 % 20Business % 20Checking, and % 207 % 2F29 % 2F2022. ( note that promos like this change from time to time so mine was slightly different from this one ). 

Anyhow, when I tried to transfer money from an external checking account to US Bank checking to meet the minimum balance requirement for this promo, I ran into roadblocks ; for some reasons I couldn't do it online via the online portal. I reached out to customer service email, who responded with an explanation and some instructions etc. but it didn't resolve my issue when I followed their advice. I then called US Bank and spoke to a nice gentleman, who explained why I was having the issue and advised me to use XXXX. 

He was showing me step by step on how to use XXXX and together we successfully had the money sent from my external checking account to US Bank via XXXX. I considered I met the minimum balance for the promo and moved on with my life. 

Months later when I didn't see a bonus hitting the account, in XX/XX/XXXX, I decided to reach out to US Bank customer service first via email then made phone calls. Basically I learned that XXXX is not a qualifying deposit as the terms of the promo said new money deposits have to be Direct, Mobile, ACH or Wires and XXXX is not a deposit or they can not accept a XXXX transfer as new fund ; hence, no bonus for me. 

I was really frustrated because besides the fact that I didn't get my bonus, I also got different explanations every time I spoke to their reps. Each rep gave a different reason as to why I couldn't do a deposit online ( which would have been ACH - a qualifying deposit ), which led to the use of XXXX ( which was their advice ) and because of that I didn't meet the bonus requirement. 

Some reps show no empathy such as a banker at a local brand said " well you could have done a wire or direct deposit, it's not that hard. You didn't have to use XXXX ''. 

I will attach copies of my correspondences to their online customer service.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX I lost my wallet which had a couple of credit cards inside of it. After I called and let you guys know that my wallet was lost and so were my cards so I would need you to stop the cards from being able to be charged, I was told don't worry you wont be responsible and we're going to close this account as well as send you a new credit card. There were other that I had to call that did the same thing except XXXX XXXX  & Citi Bank. XXXX XXXX  told me I need to go a branch location with my ID to prove that I am me, and they will send me a new card. When I did that to verify my identity they told me my account is closed and I need to reapply. When I asked why they said they had no idea only that I need to reapply and asked me if I want to do that and I said no. When I came home and checked my credit report I saw that XXXX XXXX pulled out my credit reports which is another hard inquiry on my reports without MY authorization. Citi Bank didn't get me any information, needed provided me with any paperwork or explanation, they just said my account is closed permanently and they can't do anything about it. ( I have police reports and it makes no sense since obviously everyone in the world will lose things at some point in time. )
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing Inaccuracies on My Credit Report HUNTER WARFIELD XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$4500.00} {$4500.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam, I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion This item is ( inaccurate or incomplete ) because I do not owe this debt. I received no letter in the mail and when I called the company after seeing it on my report they said it was an error aND MAILED me a letter stating it was paid. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of the following documents supporting my position : 1.Letter form company saying I owe no debt Please reinvestigate this matter and the disputed items within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome.Thank you for your time and consideration in this matter. 
Sincerely, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I don't owe anything to IC System with account number XXXX. They should have confirmed this from the Original Creditor XXXXXX/XX/XXXXXX/XX/XXXX since I have made my payment to them. Investigate this item thoroughly and make the necessary correction or just remove the account automatically.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I notified Equifax regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following company Inquiries : XXXX XXXX  XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. I requested copies of documentation associated with these accounts bearing my signature, in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that Equifax maintain under my Social Security number. I have not receive copies of documentation associated with these accounts bearing my signature, they continue to report negatively on my credit report. I sent a follow-up certified letter to Equifax regarding this matter but they still failed to provide documentation bearing my signature. This has been a nightmare, as of XXXX I have filed a Identity Theft report with the FTC report and carry this report everywhere I go. Also, I am having issues with XXXX   removing inaccurate reporting on my credit report company XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have ongoing complaint and investigation filed with BBB.
Complaint sub-issue: Information belongs to someone else

I have been the victim of ID theft most of the items have been resolved except the one item still on the report : 1 ) Chapter XXXX Bankruptcy Docket # XXXX
Complaint sub-issue: Information belongs to someone else

fraud and Id theft, police reports # XXXX ( fraud ) # XXXX ID theft
Complaint sub-issue: Frequent or repeated calls

I receive calls from this number daily at different times. Was getting voice messages about speaking with a XXXX XXXX and where they can find this person. Recently these have been automated calls asking me to hold and someone would speak with me. The hold time is over 2 minutes and no one answers. These people have been informed that I do not know this person and this number is registered on the National Do Not Call list.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new couch and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.
Complaint sub-issue: Public record information inaccurate

I filed for Bankruptcy, Chapter XXXX in XX/XX/XXXX. I had an existing XXXX  's credit card with a XXXX  balance at the time. My bankruptcy did not include XXXX  's on the Schedule F. I thought I would receive notice that they closed my account, but they never did. I used the credit off and on over the next 5 years always paying my balance off right away. My BK was discharged in XX/XX/XXXX. The next time I tried to use my XXXX  's card it was declined. I called to see why, and they told me it was because I was in bankruptcy. I explained that I was in BK but that it is now discharged, and that XXXX 's was not even a part of it. They refused to speak to me any further. I have not tried to open another account with them. I did not realize they were reporting derogatory information to my credit. Now my husband and I are trying to qualify for a home loan and the current lender is telling me that XXXX  's is reporting that they closed my account because of bankruptcy. The lender is stating that if it wasn't for XXXX  's there would be no mention of the BK at all on my credit report and that this is tripping us up as to the home loan we want. I believe XXXX 's should remove this information from my credit as they were not even on my Schedule F. I have made several calls but all they do is refer me to an address and won't even listen to my complaint. I gave them permission to speak with my lender and the credit bureaus but XXXX  's will not acknowledge that they were not even a part of my BK. I have the copy of the Schedule F that clearly does not list XXXX 's.
Complaint sub-issue: Trouble with how payments are being handled

Fed Loan Servicing has refused to remove the forbearance from my student loan so I could be earning more months toward my PSFL credit. I contacted them by phone after the President announced that student loan payments would be put on hold, and during the time the payments were on hold credit would given toward my Public Service Loan Forgiveness plan. They said that there was nothing they could do and that I was required to stay in forbearance until Ive exhausted all the forbearance time and that I would then not be eligible for getting credit for the months I was in forbearance. I gave up trying to reason with them and I am still in forbearance not earning any time credit towards my PSLF program.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

due to the COVID-19, I has not been works for couple month already, at last month, carmax was Towed away my car from my apartment parking lot without any advance notice to me, which the car is I am financing with them, because of the 3 month late payments due in the COVID-19 going on, I try to deal with them get my car back first then I can go find other jobs to clearing the money I owned, but they said I need cleared 3 month payments and the late fees plus the repossession fee, then I can go pick up my car if they has nit been saled it. 
I just want to be clear because of COVID-19, does the government have any corresponding provisions for late payment of loans?, Because they dont allow us to work, and now Carmax has taken back my daily action tools. If there is no corresponding clause, I think my company will resume operations because I need to repay my loan
Complaint sub-issue: Account information incorrect

I have disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.
Complaint sub-issue: Can't temporarily delay making payments

Amid several complaints to the U.S. Department of Education Federal Student Aid in XXXX, XXXX and XXXX about its Loan Servicer abusive and malicious tactics in the handling and discharge of my loan about XXXX and XXXX XXXX, an new Servicer " Nelnet '' after 7 years has taken my XXXX tax refund ( {$63.00} ) without cause. I received no notice from the U.S. Department of Education about this. The IRS finally mailed a letter claiming to be responsible for this offset and for me to cal Nelnet in XXXX, XXXX. When I called they were not friendly but picked-up the XXXX from year XXXX. 
I submitted a Doctors Statement ( section 4 ) for loan discharge - XXXX  and XXXX XXXX XX/XX/XXXX and I was lead that this loan was discharged then. Now I keep getting excuses from Nelnet saying! ) It was illegible 2 ) the discharge form was incomplete? So now they are making me do the form all-over again after 7 years, This is Malicious and XXXX! Now that I filed an intent With Nelnet for XXXX discharge XX/XX/XXXX & I have 120 days to submit these forms. Netnet is saying they will Not honor my paperwork and will not honor the 120 day grace period and will continue to take my tax returns. This us unlawfully and XXXX mistreatment and I demand it to stop! I also demand the return & refund of my {$63.00}. tax return that was taken. It was unfair because I am below the poverty level and have an inability to repay, I have No income.
Complaint sub-issue: Information belongs to someone else

XXXX  credit reporting refuses to remove invalid unathorized items from my credit report this issue has been mentioned numerous times still this credit reporting agency and equifax refuse to remove invalid unathorized charges that doesnot belong tome and invalid remove from my credit report?
Complaint sub-issue: Received bad information about your loan

All my student loans were consolidated on XX/XX/XXXX according to XXXX./XXXX by XXXX, now known as 'XXXX. At no time ever after/post my XX/XX/XXXX consolidation did XXXX. ', now known as 'XXXX  ' or did any other lender that my loans were sold to i.e.  Great Lakes contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, transfers or payment types ( a loan payment option***does not include a deferment** ) *. Additionally, all the above lenders nor did the any agency of the federal government ever inform me post XXXX of the passage of legislation related to the P.S.L.F. ( Public Service Loan Forgiveness Program. Today, XX/XX/XXXX @ XXXX Hours I called XXXX who took over XXXX. XXXX and I explained my predicament, and their representative 'XXXX XXXX replied, " We or XXXX. never informed our borrowers of the P.S.L.F, or payment options related to that! ". I have already applied, and been denied for the P.S.L.F. twice that I do qualify for as I have never missed a student loan payment, made over 120 payments, worked for a not for profit for over 10 years in a full time capacity. I also qualify for the new T.E.P.S.L.F. ( Temporary Expanded Public Service Student Loan Forgiveness Program, and am working with my Congressman XXXX XXXX to resolve this. I have authenticated the XXXX over over XXXX XXXX XXXX XXXX XXXX over my XXXX XXXX XXXX. Not getting my student loans forgiven is a disgrace. ( I have attached no documents because their are none and nothing to submit-'XXXX ' or did any other lender that my loans were sold to i.e. Great Lakes contact me, inform me, or make any attempt after/post my Consolidation of XX/XX/XXXX at any time to offer other types of loan payment options, transfers or payment types ( a loan payment option***does not include a deferment** ). Not informing me of the passage of the P.S.L.F. in XXXX, or engaging me as a borrower with any kind of basic information or options related to qualifying for the P.S.L.F. is a violation of fairness in lending, a lack of transparency and full disclosure, unethical, and well kind of tricky. An average and reasonable person would simply let their borrowers know of such changes or new programs that affect their student loan borrowers, it's simply an appropriate, fair and courteous response. It's crystal clear that 'XXXX '' now know as 'XXXX ' through their 'failure an omission to act ' didn't want to fairly and appropriately serve their borrowers, because if they did they would have simply done what an average citizen would have, and that is insuring all of the borrowers were treaty with fairness, clarity, respect and full legal disclosure of all that may effect them. Congressman XXXX XXXX 's office will be acting on my behalf you can also correspond with them as well as me.
Complaint sub-issue: Account information incorrect

It showing late payments for XXXX 2019-XXXX  2019 and its holding me credit down. I asked for a forbearance at that time.
Complaint sub-issue: Reporting company used your report improperly

In a Consumer Credit Report from Equifax dated XX/XX/XXXX is shown the following : 1. XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. The XXXX XXXX XXXX XXXX obtained a consumer report about me on XX/XX/XXXX I have no account with any of the inquirers, I did not authorize any of the inquiries, I have a permanent security freeze in place on my file, and have opted out of promotional lists since XX/XX/XXXX. Also, there should be a permanent fraud alert on my file.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

within the last 2 months from todays date of X/X/2017 : I have asked XXXX ( XXXX : XXXX ) I think this is there website, a collection agency hired ( so they say ) by XXXX ( XXXX ), to whom the original loan was from, to stop calling my place of work. They have harass and threaten to sue me for fraud even though I have said for them to take those actions, just stop calling me. They have repeated phone my place of work when i have told them to stop such actions. Have called extended family to discuss my situations. There phone number is usually an XXXX or XXXX number and say they are XXXX XXXX. The most recent is XXXX
Complaint sub-issue: Debt is not yours

I have written to this collection agency numerous times disputing the validity of the debt and requesting proof of validity of the debt. They have never responded with any type of proof. The statute of limitations are passed. The company continues collections practices even though they received the dispute in writing several times.
Complaint sub-issue: No notice of investigation status/result

I have been disputing an item that equifax is inaccurately reporting. It is a public record that they are reporting. It states a NJ tax lein in the amount of {$11000.00}. NJ State Superior Court, XXXX XXXX XXXX, XXXX NJ XXXX, XXXX. I have never had a tax lein. In fact i received a nj tax refund this year. I called equifax and they said they verified that it is correct. Which is incorrect because i called NJ State Superior Court at XXXX and Equifax has never called to verify this information. Nor do they have any such record of a tax lein against me on record. I have been disputing this in accurate reporting since XX/XX/2016.
Complaint sub-issue: Other problem getting your report or credit score

Contacted equifax to dispute incorrect information. Dispute was updated information but failed to update credit report. Contact equifax about credit report and score not correctly updating and they opened a complaint. No changes have been done no score or report updated. Score is listed as poor yet all other credit reports are updated with proper scores and information. My score hasn't change in almost 6 months and they can't explain to me why. I have no derogatory marks no late payments nothing and yet they can't update the information or explain anything to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Please investigate and delete disputed item that is listed on my consumer credit report : XXXX XXXX account XXXX
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I use to live stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Complaint sub-issue: Frequent or repeated calls

The company calls average 3 times a day every day XX/XX/XXXX:2 times XX/XX/XXXX : 3 times XX/XX/XXXX : 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 2 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 3 times XXXX 3 times XXXX 1 time
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax and XXXX  responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if Equifax should be shut down. They are extremely shady and dishonest. 

XXXX  refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my report!
Complaint sub-issue: Account information incorrect

I have an inquiry from XXXX for the dates of XX/XX/2021 and XX/XX/2021. I received a letter in the mail from Equifax saying that they deleted the XX/XX/2021 inquiry. However, I just ran the credit report on XX/XX/2021. Not only is the old inquiry still there, somehow a new one has popped up.