Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a month to month membership with XXXX XXXX XXXX. XX/XX/XXXX, we faced a global pandemic of COVID19. There was a national lock down, especially in XXXX. I reached out to XXXX several times via the phone, to no avail. I went to the website to cancel my services, but was not successful. I emailed them on their site forum. I didnt have a direct email address. After several attempts, I received one submission email in return. 

I never received a response from them. They were unlawfully charging members for services to which they were not providing. XX/XX/XXXX, a civil class action lawsuit was filed against them. 

XXXX has failed to provide members with any substantive response to requests of cancellation leaving members effectively dangling in the wind to try to figure out how to protect themselves from being further charged for services not being provided. 

This is when I started my disputed with Discover, I would hope, they would have my back and security at a volatile time, yet Discover is siding with the enemy. 

My contract was month to month starting on XX/XX/XXXX. In the contract it clearly states, they need to adhere to State laws. NYS has been in a lockdown since XX/XX/XXXX. I tried to cancel my membership online in their portal, unsuccessfully. I called, I emailed, to no avail. 

One option was to send a certified letter to them. Discover validated the charges and re-billed me because I did not send a certified letter to cancel my membership. How am I send a certified letter when were in a lockdown? When that option isnt available? Not only that, sending a certified letter is one option, not the only.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  Acct # XXXX XXXX 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 with out my written instruction
Complaint sub-issue: Information belongs to someone else

My personal info was used without my permission to open fraudulent accounts, unauthorized and unknown residenal addresses. 

XXXX XXXX XXXX XXXX XXXX : {$630.00} Date Open : XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX Equifax XXXX XXXX Funding Date Open : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Complaint sub-issue: Frequent or repeated calls

I have attempted over 5 times to reach someone in this companies collection department. When I call, it sends me to a voicemail. Upon leaving a message, they call back only to transfer me again and I must leave another message. They never responded to any of my voicemails left at the transferred call area. I am trying to make payments on my debt however this company does not seem interested in my repayments.
Complaint sub-issue: Received bad information about your loan

For several months my monthly payment for my private loans were automatically debited from my bank account. I started to receive bills from a collection agency stating my loans with XXXX XXXX  were sold to their company. Since my loans were not in default, they shouldn't have been sold to a collection agency. I have bank statements proving this. Now the collection agency is expecting payments they shouldn't receive. I contacted XXXX XXXX  and nothing was done about it.
Complaint sub-issue: Information belongs to someone else

Late Payments reporting and the accounts arent late
Complaint sub-issue: Problem with customer service

Refused to accept Public Service Loan Forgiveness Certification form on XX/XX/2021. Letter from FedLoan said my end date is before my beginning date. However, there is no end date on my form because I am still employed with the same company.
Complaint sub-issue: Was not notified of investigation status or results

XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.
Complaint sub-issue: Account information incorrect

I have specific account inaccuracies that need to be corrected. Equifax will not provide any proof of how they validated this inaccurate information. 

XXXX - XX/XX/XXXX : Requested & received Equifax credit report. 
XXXX - XX/XX/XXXX : Mailed ( certified ) dispute letter with enclosed ID & Utility Bill XXXX - XX/XX/XXXX : Mail response received from Equifax stating No Record found XXXX - XX/XX/XXXX : Credit report received from Equifax, no changes. 
XXXX - XX/XX/XXXX : Mailed ( certified ) response letter itemizing inaccuracies and requesting method of verification. 
XXXX - XX/XX/XXXX : Credit report received from Equifax, no changes.
Complaint sub-issue: Account status incorrect

XXXX reported a late payment on my account for XXXX 2019 despite confirmation payment numbers. I spoke with XXXX in XXXX regarding a separate question about my account and was told at that time ( around XX/XX/XXXX ) that my account balance was XXXX and I was up to date. A payment entry error occurred on their part and I did not know the account was considered late until it was reported to the credit bureau. I immediately paid XXXX as well as XXXX XXXX in the first week of XXXX, XXXX payment was due on the XXXX and I paid the amount by XX/XX/XXXX or XXXX as well as the payment due for XXXX XXXX. When documentation and proof was provided to XXXX, the information was rectified ; however, I have disputed with equifax 5 times since the problem and they will not remove the negative information. XXXX told me they could not " undo '' the report once it was filed. I asked them why it was reported to begin with since I made the payment and they explained that though it was entered incorrectly on their behalf, the account still shows past due and it automatically goes to the bureau.
Complaint sub-issue: Trouble with how payments are being handled

My student loan is with Sallie mae. On XX/XX/2022, I was put into a loan program and I have been making payments for 2 months. Today on XX/XX/2022, I was told that they were going to force me to pay more which I can not do and the payments they took didn't help my account now I am past due to a mistake made on Sallie Mae 's end. During this time i received a large amount or harassing calls which Sallie Mae told me to ignore.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXXXXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Complaint sub-issue: Problem with product or service terms changing

TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXXXXXX XXXX XXXXXXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX XXXXXXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX  BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had a hard inquiry on my credit report on XX/XX/2019 that i did not authorize company to look into my credit, I did not apply for any type of credit.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Our Bank, PNC Bank,XXXX XXXX XXXX XXXX XXXX OH, has been waiting 15 to 20 days from the time our bills are paid, to the time they actually pay them. We found this out through the electric company, water, and cable services we pay on a monthly basis. This has been happening starting in XX/XX/XXXX, and going through XX/XX/XXXX. One such delay caused our water services to be disconnected. THEN they said we were {$160.00} dollars overdraft, and charged us an additional {$300.00} in fees!!!! 
The date the fees were imposed was XX/XX/XXXX. We have no written documentation yet on these fees - the were just taken out of a deposited check on this day. Something is VERY shady here.
Complaint sub-issue: Investigation took more than 30 days

I sent identical investigation requests to Equifax, XXXX, and XXXX XXXX back on XX/XX/XXXX. The results should have been returned to me by XX/XX/XXXX. I received the investigation results from XXXX  in a timely manner, but I still haven't received anything from Equifax or XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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: Problem with fees

I received a late payment notice by email yesterday on my Citi AAdvantage card for their {$99.00} annual membership fee. I havent used this card in over a year. I initially got the card for a family vacation that was in XX/XX/XXXX. They offered an attractive signup bonus with miles and first checked bag free. However, due to me using miles to book my flight and being forced to book the other 4 tickets for my family separately, AA would not honor the first checked bags free for my familys bags. This cost my family over {$100.00} round trip which was very upsetting. 

XX/XX/XXXX XXXX PDT ( approx 45 min call ) Called Citi / AAdvantage XXXX # and spoke with phone rep. She couldnt help me so she transferred me to customer service who transferred me to their manager XXXX , who transferred me to his manager XXXX -each time I had to explain from the very beginning what the problem was and how I was asking for it to be resolved. Everyone I spoke with at this point kept telling me they can only waive the annual fee up to 60 days. I didnt even know I had a balance due because I hadnt used the card in over a year and apparently was on paperless billing. The only two emails I recall receiving from Citi were within the last week or so. One saying my AA miles expired and the other yesterday when I first became aware of any balance owed to Citi. 

XXXX couldnt do anything and claimed there was nobody above him. All he offered was to fill out a customer complaint and somebody higher up would call me within 48 hours. 

XX/XX/XXXX XXXX PDT XXXX XXXX called my cell and said there is nobody above him. He would not waive the {$99.00} annual fee. He said he listened to my call from the day prior and nothing could be done. Horrible customer service. He kept talking over me and repeatedly said they do not and will not waive the annual fee.
Complaint sub-issue: Reporting company used your report improperly

Based on the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681, Section 602a states that I have the right to privacy.

15 USC 1681, Section 604a, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Lastly, 15 USC 1666b, Section ( a ) states that a creditor may not treat a payment on an open end consumer credit plan ( credit card ) as late for any reason.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Citi Card is charging me {$670.00} for a charge that was fraud. They claim I received goods. I did not. 
XXXX tracking data shows the package was refused, and returned to sender. 
Citi security dept says they can do nothing. 

New card issued XX/XX/XXXX charge back on bill XX/XX/XXXX, now charging interest.
Complaint sub-issue: Information belongs to someone else

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX Dear XXXX, XXXX, Equifax RE : Social Security Number : To Whom It May Concern : I have been informed your company placed negative miscellaneous erroneous information on my credit report. This is the third time I have sent in certified letters and I was told to file an FTC report and contact The CFPB. I am honestly unaware of the items you have placed on my credit. I am filing the accounts as an internal dispute and fraudulent at this time. The following inquiries are reporting incorrectly 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX  8. XXXX  9. XXXX XXXX XXXX. I said inquiries not accounts please revise and make sure this is read correctly please. In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. I have been a victim of identity theft in the past. I am disputing the erroneous inquiries as an internal dispute which takes 3-5 business days. I am disputing the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate the inquiry information and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a few certified letters 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$10000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Here is my contact information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE INFORMED EQUIFAX AND XXXX THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THAT I HAVE NOT AUTHORIZED THESE INQURIES ON MY CREDIT REPORT. I HAV ESUBMITTED MY POLICE REPORT AND FTC REPORT SEVERAL TIMES. I WOULD LIKE THESE UNAUTHORZED INQURIES REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Other problem getting your report or credit score

All of a sudden on XXXX XXXX, XXXX Equifax STOPPED reporting to XXXX XXXX therefore preventing me from accessing my credit score. I reached out to XXXX XXXX and this is what I was told ... XXXX '' I can see that we are receiving an error when your account attempts to receive updated information from Equifax XXXX Unfortunately since this is an error generated by the Bureau we are unable to bypass it on our end and have limited insight to it, please contact Equifax. '' Bc of Equifax throwing that security freeze on my account numerous times w/o my permission this is what I have to go through. I never asked for it and when she said its one of the two either information updated or a freeze was placed I knew exactly it was bc you kept throwing that freeze. PLEASE DONT RESPOND AND SAY THERE IS NO FREEZE BC I AM AWARE OF THAT. Just please get with XXXX XXXX and resolve this. 

Thats what I was told. I was told it could be bc my information has changed or there was a security freeze on my account. I advised as of today there are no freezes or alerts and information is the same. Even contacted Equifax spoke to Supervisors was on phone for 45 minutes TO NO AVAIL. They had no clue what I was talking about and kept saying " we dont do anything with XXXX XXXX '' um DUH I know that they are just lazy. Please get this corrected so that my information can get sent to XXXX XXXX and I can receive my score. I ', m done calling Equifax I called 12 different numbers I AM DONE WITH EQUIFAX. XXXX updates fine its only Equifax. XXXX XXXX cant to anything.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a security breach and my personal information was compromised and is likely publicly available and waiting around for someone to attempt identity theft.
Complaint sub-issue: Problem using a debit or ATM card

I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX or cash app. I said I can do cash app because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted cash app for assistance, they told me to contact the bank I use. I filed a dispute with XXXX XXXX XXXX XXXX. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to help.
Complaint sub-issue: Personal information incorrect

Phone number is my old phone number. 
And my address needs to be updated.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/22 at approximately XXXX am I was at the ATM to withdraw funds from an ATM in XXXX NJ when I discovered my account was missing {$500.00}. Upon checking my payroll debit card app-Wisely Pay I discovered there were three transactions made at an ATM XX/XX/22 in the following amounts : {$200.00}, {$200.00} and {$100.00} from a Chase ATM in XXXX NJ XXXX I immediately called and filed a dispute with Wisely pay at XXXX XXXX while at the same time using XXXX XXXX ATM in XXXX to withdraw the majority of the remaining funds in the amount of {$800.00} and {$400.00} to prevent any further theft. These withdrawals were done by me while I was filing my dispute and notified the representative of this. I was given a claim # and was told the card would be cancelled, a new one issued and the dispute would be investigated. On Tuesday XX/XX/22 I received an e-mail from Wisely Pay informing me that an ATM transaction in the amount of {$200.00} from a XXXX XXXX in XXXX NJ was declined-there was still attempts at fraud on this card. I followed up with Wisely Pay to see if there was anything they needed from me and was told I would be receiving a Statement of Fraud Form. Today XX/XX/22 I received an email detailing the investigation was completed and they determined there was no error and that record analysis indicated that no fraud had occurred as investigation results matched information on file. This was very upsetting to me as the cardholder as there was clearly fraud. I have had my payroll loaded onto this card for many years and have never had a problem. I am the only cardholder and there has only ever been one card issued. I dont feel they investigated thoroughly-camera footage from the ATM etc. I am reaching out to CFPB for help as I am frustrated and am feeling as if the financial institution I have trusted with my payroll is not working to protect me. Please help. In addition to filing this complaint I will be filing a police report.