Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged too much interest

Hello, I have spoken with Discover Financial a handful of times since I 've been with them. Roughly about 1 year ago I called asking them to please consider lowering my interest rate since it 's so high and it was becoming financially stressful to make the payment. My request was declined, but I was informed I would be notified in the future if I would qualify for a lower interest rate. About 3-4 months after that I received a letter that I understood informed me my interest rate would change from 16.99 % to 12.99 % as they have reconsidered the request I originally made and I would just need to wait a couple billing cycles to see the changes. Of course I was very happy and I waited a couple billing cycles but I did n't see any changes. I called discover about 2-3 months after receiving the letter and was advised by a MALE that the changes were pending but I would receive a letter informing of the changes and the amount I would be refunded since my request was being backtracked to the original date i request an interest rate reduction. The MALE i spoke with made some calculations and said i would be getting a refund of {$600.00} - {$700.00} and my new rate would be the 12.99 % as the letter stated and i was very happy to hear that. I waited and waited and I did n't see any changes so I called Discover a couple weeks ago and the first FEMALE I spoke with transferred me to a supervisor. The supervisor was very polite but she had bad news. She found the letter i mentioned to her and she said the MALE agent I spoke with provided inaccurate information. She said my interest rate increased to 16.99 % and I would not be receiving a refund at all. She did help me a little by crediting some interest but there are no changes being made to my interest rate or a refund being sent which is what I was told. This is very upsetting because I called Discover and the agent read the letter with me and explained all the benefits with interest rate reduction and a refund being sent and it was all a lie.
Complaint sub-issue: Information is not mine

COLLECTIONS Opened XX/XX/2015 {$300.00} that collection is not mine and was deleted on XXXX and XXXX but Equifax still posting on my credit report I had a phone conversation with Equifax customer service and they toldme will investigate but I did n't receive any information
Complaint sub-issue: Problem with customer service

The company will several times a day multiple times a week when I answer the phone the person on the other end hangs up. An example of this would be yesterday they called 4 times XXXX XXXX, XXXX. Each time I answered the phone someone would hang up. I then called the number and spoke with a XXXX in customer service explaining my issue, she then turned the call over to a supervisor named XXXX who informed me she would remove my phone number from the account. However half an hour later at about XXXX they called again and when I answered they again hung up the phone.
Complaint sub-issue: Company closed your account

I called the number US Bank gave to me on XX/XX/XXXX. On XX/XX/XXXX ( my statement due date ), they were closed. I called XXXX times on XX/XX/XXXX the recording stated they had an interuption in service. Finally on XX/XX/XXXX I reached someone, XXXX. 

I inquired why my account was still closed even though I had brought my account current for some months now. She proceeded to tell me that my account was past due. I told her she was mistaken and asked to talk with a supervisor. I spoke with XXXX and he confirmed my account was current. 

Then I inquired why my account was still closed. I had entered a Covid hardship program in XXXX of XXXX and been paying XXXX XXXX monthly to bring my account current. I was told when I entered the program I was told that after my account was brought current it would be reopened. 

I was informed that my account could not be reopened, with no other explanation or options. 

Still being affected by the Pandemic, I then asked to be replaced on another hardship program based on what three similar credit card accounts had done for me.. 
Pay 1 % of the current outstanding balance with no late fees or late payment charges and a lower interest rate. This would have been XXXX XXXX monthly. 

I was informed this could not be done so I was left with no option other than to dispute the account closing until a new hardship payment plan could be reached. 
That is why I filed this complaint.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX I made a purchase through XXXX for an item offered by XXXX XXXX The item arrived damaged. I discovered the item after it was delivered, noted and documented the damage. I contacted XXXX requesting a return shipping label. XXXX responded, saying they do not solve third party transactions, but forwarded my complaint to the seller. However, I received email confirmation of the delivery from XXXX. At the bottom of that email, is a discloser that says XXXX handles all disputes with orders through XXXX or XXXX XXXX transactions. XXXX said via email, that the seller would contact me. In the meantime, I contacted XXXX requesting a return shipping label for the damaged item. XXXX responded after a few days with tracking number XXXX, and a XXXX XXXX arrived and took the damaged original package containing the item. I received no further communication from XXXX, and no contact ever, from the seller, XXXX XXXX. In their response to Discover, XXXX alleges that I failed to contact XXXX. Their email correspondence with me, clearly makes that statement false. I disputed the transaction through Discover, who posted a temporary credit. I uploaded evidence of the item being return to the seller, with tracking number XXXX. The seller signed a receipt for the returned item on XXXX. Some XXXX months later, Discover notified me they had received information from the seller, who contested my dispute. Discover determined the charge to be valid, based upon the response from the seller and from XXXX. Disregarding that the item was received damaged and was returned. I have again disputed this transaction, complaining of the seller 's and XXXX 's false information in their response to Discover, and their fraudulent actions. Considering the item was damaged, the seller could collect for the damaged item, with a claim through XXXX. Instead the seller is attempting to fraudulently maintain a charge for a returned item.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Complaint sub-issue: Trouble with how payments are being handled

I have been a XXXX XXXXXXXX in Indiana for XXXX years. I have been making payments on my loans with FedLoan Servicing ( www.myfedloan.org ) for most of that time, with some period of time deferred because I went to complete a XXXX XXXX XXXX so it can assist me with my profession and improve services to the public. 

After completing my XXXX XXXX program, my deferment period was misrepresented to me by the servicer which resulted in damages to my credit. Additionally when I began to inquire about how many payments I have made towards my XXXX  ( XXXX XXXX XXXX XXXX ) program, the agent laughed at me stating I still had another 10 years of payments to make. He stated that I was either in the wrong repayment plan, or some other convoluted explanation. I spoke with several reps even after they damaged my credit for non-payment during what I assumed was a grace period because I had an extra semester of classes to complete. Since I wasn't " Full time '' they tell me after-the-fact that this occurred and I was penalized for non-payment when I assumed it was deferred since I was still in classes for my master 's program. I disputed it with the credit bureaus and it took them ( fed loan ) nearly 12 months to respond, and the end result was the same and the damage to my credit remained for 7 years. It has finally dropped off my history and I have excellent credit again, but it was 7 years of XXXX. On top of being lied to, laughed at, and now looking at my repayment plan, I now see that I still have MANY YEARS of repayment left on my loans to qualify for forgiveness. When you figure in their deceptive " capitalized interest during forbearance '' practices or the fact that my repayment plan allocates the whole payment towards interest, my principal balance remains relatively unchanged in 16 years. 

XXXX 


These companies have evolved into financial GIANTS for a reason. It wasn't because of their honest practices. Now I am just making XXXX  payments to corporate executives. We all are. 


Please help.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 I receive a message saying my account was locked. XXXX days prior, I made a large credit card payment by mistake that overdrew the account. To amend that error, I started to deposit money each day. The issue arose when I switched my primary bank account t this account was connected to. I had to open a new checking account recently and all my money to make that card payment was in there. Even though these were actions done by me, the account owner, they locked my account. 

XXXX cases were opened up after I called their support team. Both of them asked me for the same info : my ID, Bank Statement ( which was empty because the account was new ), and a screenshot of recent transactions which showed the XXXX {$2500.00} deposits I made. After providing this information to XXXX case on Thursday and another on Friday, Ive been ignored by the Credit Karma Spend account support team and they have locked out access to {$5000.00} in cash. Ive tried calling them and they give me the run around. After not hearing back on this money I really need back, I decided to submit this complaint. These were actions I took and I need my money back.
Complaint sub-issue: Problem during payment process

Received numerous telephone calls from Citibank late in XXXX stating that my account was " past due ''. When I finally reached a person there that I could understand, XXXX, on XXXX XXXX, 2017 she explained that my most recent payment was {$4.00} short of the minimum payment. I checked my records and agreed. I made an immediate payment for {$4.00} ( confirmation number given as XXXX ) and she advised it was received. She also stated that a {$39.00} late fee would be waived and {$60.00} in interest would be removed. ( Citibank had apparently changed my interest rate from 12.15 % to 28.24 % because of the {$4.00} error ) XXXX also confirmed that my interest rate would revert to 12.15 %. She advised that I would owe a XXXX minimum payment of {$88.00}. I made a XXXX payment of {$100.00}. I thought everything had been taken care of. I was wrong. The phone calls have started again claiming that I owe some huge past due balance. Help!
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX is showing that my account was opened in XX/XX/XXXX and is currently closed. It shows closed in XX/XX/XXXX. They also show a monthly payment of XXXX which is what I have paid every month for the past 8 years now. This is my current child support amount for at least the next 10 months. They randomly show months where it was not paid and where payment was late. Currently they are showing a balance of {$7.00}. YES {$7.00}! They also show that the account was in collections and was charged off. This account was not in collections ever and was never charged off. This is a government run thing and is required that I make all support payments as I have been for the past 8 years. <P/>They are showing collections/charge offs in the following months : 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 XX/XX/XXXX XX/XX/XXXX Now also showing a {$7.00} collection charge off fee. <P/>There are NEVER any collections/charge off fees associated with this account since it is a government required child support payment account. This should not be handled in this way and is completely destroying my credit with agencies XXXX and Equifax. <P/>What they should be doing is sending me a bill/late statement every month if in fact I have some overdue amounts and then they should wait a month or so for me to catch up on those payments if I am late. Then they should send notices that they will be forwarding my account to collections if I do not pay it. They should provide a means to get it caught up. A means to contact someone to do so. Then after several months of me completely disregarding them, they should put it in collections as normal. <P/>What they are doing is if I have XXXX to pay each month and I only pay XXXX, they immediately the next month will show XXXX is charged off in collections. There is no bill and there is no communication whatsoever on what they are doing. Whereas I may pay XXXX the following month. I forever have this damaged information on my credit report. This is completely unfair not only to me but to every other person out there in the Nebraska court system trying to make payments of child support on time. This is a systemic issue and not isolated to me.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX 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 XXXX has me at a score around XXXX. 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Debt is not yours

I operate an XXXX called XXXX XXXX XXXX, a levy from the State was submitted to US Bank from the State of California. The Levy was not placed on the XXXX but one of its members. The Levy was for a matter with one of the members of the XXXX nothing to do with the XXXX. 
The bank levied the XXXX account erroneously. There is no mention of the XXXX on the Levy. US Bank Stated that because it was from the State it had to be correct and they have to follow the States request. No matter what proof I showed them of their wrong doing, the State was right.

Also the Levy was served for the XXXX and the US Bank took funds made available on the XXXX.
Complaint sub-issue: Reporting company used your report improperly

I am one of the huge number of people who was affected by the data breach with Equifax. To say that I am disgusted is an understatement. They are offering protection for a year ... but what happens after that? I never agreed to them even having my information and yet they allowed this to happen without my consent. Something needs to be done to protect those of us who were part of the issue. There needs to be a solution beyond the hope and pray and forcing us to pay for protection to the company that leaked the information in the first place. Sounds a bit like a great way to boost business. Leak information an then charge people to protect them from the leak.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I received two identical letters from XXXX XXXX XXXX thanking me " for applying for XXXX XXXX XXXX communications or entertainment services '' for which I have not applied. It also included a very low " XXXX XXXX XXXX credit score, '' based on information from the credit bureau SageStream LLC. I have had XXXX XXXX XXXX mobile service for years, my account is in good standing, always paid in full. However, I have not applied for any additional services. I checked my free annual credit report and did not see anything related to this. 

The letters seem suspicious to me for several reasons : they do not identify which service was applied for, I had never heard of SageStream LLC, and I have not applied for any services. 

On XX/XX/XXXX I called the XXXX XXXX XXXX Global Fraud Management Organization at XXXX ( listed on their website ). The representative said there have been no applications with my SSN. She had also never heard of SageStream LLC, did not know why I received the letters, and told me to disregard them. 

I searched for information about SageStream LLC, and found many reports of experiences similar to mine. I am not willing to contact SageStream LLC and provide them with any of my information, because it seems that they are a scam.
Complaint sub-issue: Company closed your account

I received a letter dated XX/XX/XXXX that notified me that my account with you was closed due to late or returned payments. I am not responsible for those payments, and their return. I do not know who made those payments to my account. 

Please note that I have had this account since XXXX, and have never been late, or paid less than the full balance due on the same day of the month. Payments are made through autopay. 

I have called your customer service department and received an additional letter stating that you're unable to reopen my account.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5800.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5100.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$2300.00} has violated my right. 

Account XXXX : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$1800.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. They did not notify anyone quickly enough moreover and expect me to pay to freeze my credit on account of a mess up on Equifax 's end..
Complaint sub-issue: Trouble using the card to spend money in a store or online

Unactivated my reliacard so I cant use my unemployment benefits. I have done everything I was asked to do. I sent in 3 separate faxes proving who I am based on they're request and my account remains inactive. They have told me it was an address change that caused this but they sent my card to the wrong address and it was returned to first time causing a major delay in receiving my card so they requested a different address and now I cant use my card because of that. I've spoke with numerous people. XXXX and XXXX were the last I spoke with and continue to get no where. This is hurting not just me but my children as well.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently found out that I had a debt of {$75.00} from XXXX XXXX XXXX from XXXX. I had no knowledge of this bill. XXXX XXXX notified me that I had a derogatory mark on my credit report and that is how I found out. This bill has now been paid in full, and I would like it removed from my credit report. If I had known I had a bill in XXXX I would have paid it. I have not lived at this address since XXXX.
Complaint sub-issue: Account information incorrect

Account Name KIKOFF LENDING LLC Account Number XXXX Date Opened XX/XX/2020 Balance {$12.00} The information they are reporting is incorrect and I do not know this company and I never did a contract with them.
Complaint sub-issue: Investigation took more than 30 days

I submitted an investigation request to Equifax over the summer. Several months have passed, and I still haven't received a response yet. They were supposed to respond within 30 days.
Complaint sub-issue: Public record information inaccurate

Hello there are Two Bankruptcy on my Equifax report where I have no Bankruptcy on XXXX and XXXX so why are two BK showing on my credit file I disputed and they came off my Equifax then a 3 month later they added the BK back on How can Equifax report a BK and XXXX and XXXX   dont have a BK for me this is A Huge Mix up Im going to hire a Lawyer to help me also I been disputing the matter for 1yr 1/2. Can you please help me also I can show you proof I have no BK on XXXX  and XXXX.
Complaint sub-issue: Problem with statement of dispute

Credit reporting agency responded with accounts matched name social security number and date of birth. As this agency knows they have mixed my files up previously as well as not contacted the actual creditor but relied on electronic correspondence. I have asked for the name of the individual who verified this along with documents that verify. 
XXXX acct # XXXX XXXX Acct # XXXX