Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

COMPLAINTIDPRIMARYCONSUMERPRODUCTANDISSUECONSUMER-IDENTIFIEDCOMPANYSUBMITTEDSTATUSXXXXXXXXXXXXGeneral-purposecreditcardorchargecardClosingyouraccountELANFINANCIALSERVICESXX/XX/2019Thecompanyrespondedpromptlywithanexplanationthathadnothingtodowithmycomplaint.
STATUSSenttocompanyonXX/XX/2019CompanyrespondedonXX/XX/2019RESPONSETYPEClosedwithexplanation/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/Myoriginalcomplaintwas:Icannotuseaphone.
Iopenedtheaccountwithoutusingaphone.Icannotgetaccesstomyaccountwithoutusingaphone.Icannolongerusethecreditcardbuttheycontinuetakingmoneyfrommycheckingaccountmonthly,andIcannotstopit.Icannotevenclosethecreditcardaccountwithoutusingaphone.Irepeat:Icannotuseaphone.

Thecompanyrespondedpromptlywithanincorrectexplanationthathadnothingtodowithmycomplaint.

CompanyresponsesaysIcannowaccessmyonlineaccount.ButtheynowwantmetosupplytheanswertoasecurityquestionthatmakesnosenseandIhaveneverheardofbefore.

"whowasyourfavoritemanager?''managerofwhat..

IwasgiventwophonenumberstocallifIhadanyquestionorcomplaint.

CompanyresponsealsosaysIcannowaccessandusemycreditcard.whenItriedusingitIwasrefusedandgiventwophonenumberstocallifIhadanyquestionorcomplaint.

Pleaseseethefirstsentenceofmycomplaint.


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Complaint sub-issue: Other problem

Attached is the letter inquring about the account and to even settle because I have been disputing Home Depot for almost two years. The final letter recieved stated they are no longer attempting the debt and was written off but it shows on my credit report as a balanced owed.
Complaint sub-issue: Information belongs to someone else

Back in XX/XX/2019, a credit monitoring company, XXXX, tried to remove XXXX  XXXX Inquiry on my behalf from Equifax, but Equifax has not removed this fraudulent inquiry from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern : I received a copy of my credit report and am disputing 1 incorrect hard inquiry that needs to be deleted indicated in the attached letter below : XXXX XXXX ( Bank ) hard inquiry from XX/XX/2021 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Thank you.
Complaint sub-issue: Information belongs to someone else

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XX/XX/XXXX 1. XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called Equifax several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to advise them of the inquires on my report from XXXX XXXX, XXXX XXXX XXXX. The Bureaus in collections for the amount of {$460.00} Not only have I spoke with rude associates but have been told that there is nothing they are able to do about the unauthorized inquires and I have to call the company. I called XXXX XXXX XXXX XXXX  XXXX they have no information in regards to these inquires and was referred back to the credit reporting agency. I have disputed the collections with The Bureaus to validate my debit with my permission to place this alleged " debt ' on my credit file and Equifax continues to tell me that my debt is validated and will not advise me of how. I am a victim of their recent and previous security breach and they will not assist me. I have contacted the collection agency on XX/XX/XXXX and they will not provide proof that I gave them permission, instead they keep telling me that I have to pay them in order to get any information.
Complaint sub-issue: Don't agree with fees charged

I submitted a complaint in XXXX XXXX, case # XXXX after 6 months of unsuccessfully trying to get a clear answer from FedLoan on a repayment issue. XXXX received a response on my behalf at the end of XXXX XXXX. I was not able to access the response online and requested a paper copy. After considering the details provided and researching my own documents, I wanted to dispute the response provided by FedLoan but I have not been able to find a way of doing this online. The aspect that I want clarified is the disparity between the figures FedLoan presented in arguing the case and the figures presented in my original loan repayment agreement, supported by 12 months of direct debits from my bank account. The FedLoan response claims that my repayment in year 1 ( XXXX ) was {$350.00} per month, but their document to me and my bank documents show that the amount was actually {$240.00}. The difference in these baseline figures is what is getting in the way of me understanding all the other calculations made. It suggests that I am not on the repayment plan that FedLoan says I am on - and on which repayment calculations are based. Significantly, I made my decision to consolidate with FedLoan based on the lower figure given to me, not the higher figure stated in the recent dispute. 
As a result of the much increased payments - for which I had not budgeted - I cashed in a small pension to help make the payments which had become difficult because I had to help my XXXX child with her school fees ( without adding to the consolidated loans for my XXXX older children ) and replace household equipment. The impact of that pension cash-in has been to make it look as if my income has increased by {$8000.00} ( even though my actual income increased by only about {$1000.00} ) and so my recalculated payments this year will be even higher. I am in a spiral of increasing poverty with increasing payments and getting further into debt.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX I received a Home Depot bill reflecting charges of XXXX which I did not make or authorize anyone else to make. I contacted Home Depot on XXXX, spoke to XXXX, employee ID XXXX and told him the charges were fradulent. He said I would receive an affidavit within 7 to 10 business days. I never received the affidavit. 
I filed an online incident report with Fresno County Sherrif office. 
On XXXX I received another Home Depot bill reflecting additional new charges that totalled XXXX. I contacted Home Depot again and spoke to XXXX, employee ID XXXX. I told him I did not make or authorize anyone else to make these additional charges and had not received an affidavit. He said he would send a new affidavit in 7 to 10 business days. I never received the second affidavit. 
On XXXX I received a letter from Home Depot stating that I was responsible for all the charges. I contacted XXXX, a company that assists people who have sustained identity theft. This company was hired by my previous employer because they had a data security breach. 
Together XXXX and I contacted Home Depot ( CITI Bank XXXX spoke to XXXX, employee ID XXXX and explained the situation to her. She said she would transition the fradulent charges to a fraud account, send an affidavit and I should receive it within 7 to 10 business days. I never received the third affidavit. 
On XXXX I contacted XXXX who advised me to file a complaint with CFPB. I do not have access to a scanner to scan all documents. I would like the opportunity to include more documentation.
Complaint sub-issue: Problem during payment process

I have a Macy 's charge account. I paid my bill in full which was due on XX/XX/2021, through my bank 's online bill pay service. They mailed a paper check to Macy 's on XX/XX/XXXX. Macy 's deposited the check XX/XX/XXXX. Macy 's has yet to credit my account with this payment despite my bank faxing a photo of the front and back of cleared check on four different occasions. I opened a payment dispute through customer service on XX/XX/XXXX. I even e-mailed XXXX with a picture of the cleared check plus my full name, Macy 's account number, and my phone number as recommended by customer service. The problem is that Macys keeps charging me a late fee plus interest charges even though they say that won't happen with disputed charges. I have to constantly call customer service and tell the whole story again and insist they reverse the late fees and interest payments. However, nobody can tell me if Macys has even received the documentation or when my dispute will be resolved. I think 90 days is much too long to hold my money hostage. This has created undo XXXX  and worry. I pay all my bills in full every month. On XX/XX/XXXX when I called customer service about this issue, they said they didn't receive my XXXX payment either and insisted I pay a steep minimum payment to keep my account from going into delinquency. I did. The next day, the XXXX payment ( all new charges minus the disputed amount from XXXX and all late fees and interest ) was credited to my account. So, when this is all finished, Macys will still owe me the {$73.00} minimum payment they insisted I pay. How can any reputable company keep money for so long without letting their customers know what is going on and keeping them informed? Especially after receiving all the documentation they need to track down my payment?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX 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 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Deposits and withdrawals

On Wednesday, XX/XX/XXXX, I submitted a transfer for the full amount of my "Ally Invest" account to my Ally Bank Savings account, as the funds were being managed very poorly and losing value very quickly. Since that time, Ally has continued to "kick the can down the road" and give poor reasoning for why the funds have not been transferred between my accounts which are at the same institution including the funds needing time to "settle" after being divested. When bringing this matter to the attention of management at Ally Invest, my chat was abruptly ended after asking to speak with his manager, as I was very unhappy with the way he, and the company as a whole, was treating me. What I fail to understand is how a company can get away with ignoring my direct instructions to transfer my money back to me. They did a bad job, and I wanted it to end.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, KEYBANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Investigation took more than 30 days

EQIFAX For several years I had no issues with my online account, then toward the end on 2019 I could no longer access my account. I attempted to change my password with no success. I contacted Equifax and they requested hard copy information. I sent a hard copy of my Drivers Licence and SS card on XXXX XX/XX/2019. I have had many phone communications with the company, usually ending in password reset. My final communication was that I would be no longer allowed to have an online account. 

I would like my account access restored
Complaint sub-issue: Account information incorrect

The following information XXXX XXXX is reporting on my Equifax and XXXX credit report is false and inaccurate. 

1. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$6700.00} by the Bankruptcy Trustee.

2. XXXX XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee.

3. XXXX XXXX is reporting the account as Transferred to recovery. This is not correct. This account was properly included in Chapter XXXX  filings and the Chapter XXXX   Bankruptcy was Discharged on XX/XX/2016.

4. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.
Complaint sub-issue: Their investigation did not fix an error on your report

I pulled my credit report and noticed I have 2 unauthorized inquiries from the following companies and demand that they be removed from my credit reports. Not only is it inaccurate because they are reporting separate dates, but per the FCRA, any inaccurate reporting information must be removed so I'm demanding the removal. 

Equifax : -XXXX  - XXXX XXXX ( inquiry from XX/XX/2020 ) XXXX  XXXX ( inquiry from XX/XX/2020 )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is unauthorize Hard Inquiries that I didn't give consent to pull my credit and I didn't sign or verbally gave no credit companies no authorization or consent.

Companies has to provide Federal Government and me a copy of my hand written signatures on those hard inquiries and inquiries on my credit report with XXXX, Equifax and XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Banking errors

I have been attempting to contact Money Lion for 10 days. I have been sick in the hospital and did not receive a paycheck today. They did not respond to me until the day before payment was taken, and they told me I needed to notify them 3 days in advance ... which i did but they didnt respond until 1 day. Then I asked about why my investment account is negative {$80.00}, when there should be at the very least {$100.00}. The one person advised me I took a payout, i advised him I did not take a pay out and I need them to look into it. They did not get back to me, so I did a chat with another representative who then kept copying and pasting things about the stock market without ever even looking at my account. So now I am negative {$200.00} because this company couldnt be bothered to respond to me 10 days leading up to my payment, then they refuse to give me a solid answer as to where my money in my investment account went.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX Systems I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, 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. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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.

Thank you for your time and help in this matter.
Complaint sub-issue: Information belongs to someone else

XX/XX/2018 On this portal Equifax responded to my complaint submitted to the CFPB on XX/XX/2018 stating after REINVESTIGATION they have determined that this unverified inaccurate information belongs to me. NO SUPRISE! Attached is a letter I sent via certified mail received by EQUIFAX on XX/XX/2018, Requesting information and contacts from chase bank with phone numbers of individuals providing the inaccurate unverified information. EQUIFAX has NOT sent the requested information. Its been over 60 days. EQUIFAX DOES NOT INVESTIGATE. If they did, they would have sent the requested information on the attachment. CFPB supporting documents from me was sent with this document over 2 months ago. EQUIFAX mail me the information in the document requested that Equifax received on XX/XX/2018 2018
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for purpose.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In regards to XXXX XXXX XXXX  - account ending XXXX - unable to get access to my account information therefore unable to provide full account number Have tried numerous times to get the debt validated with original contract from the creditor with no response. I asked then asked the credit bureaus to validate the debt. 

Inaccurate information being reported from this company. The account is paid in full. 

My rights are being violated.
Complaint sub-issue: Debt is not yours

FCRA st ates information reporting has to be 100 % verifiable and 100 % accurate and otherwise the information must be removed under the Federal law. ALLIED INTERSTATE LL has been reporting unverifiable and inaccurate information on my credit which has damaged my  credit and I intend to litigate if they do not remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal
Complaint sub-issue: Problem with customer service

Hello, Today I received a call from a representative from American Education Services [ AES ]. The caller gave her name and an ID number and proceeded to ask me to  provide my date of birth and other personal identifying information. She did not identify who she was calling from until I asked. In this day and age, I do not feel like any company should call me and ask me to provide my name or SSN without making it clear that they are who they claim.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 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 homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both XXXX   and Equifax.