Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

On XX/XX/XXXX I requested closure of my prior Key Bank checking account originally opened in XX/XX/XXXX. I was told it would be closed in 1 -2 business days. 

On XX/XX/XXXX, more than 1 year later, I opened a new Key Bank checking account and met all requirements to receive a {$200.00} bonus for making a {$500.00} paycheck direct deposit into the new account. 

Key Bank has failed to issue me the {$200.00} bonus. When I asked why, I was told that my prior Key bank account had not been closed until XX/XX/XXXX in their system and that since it had been one year since I had last had a Key Bank account, I was ineligible for the bonus. 

This is utter nonsense because I requested closure of my prior account on XX/XX/XXXX so it should certainly have been closed more than 1 year prior to opening the new account. If my account was in fact not closed by the bank in their system until XX/XX/XXXX as they claim, that is entirely their fault for taking excessively long ( 16 days ) to close the old account ( I had been told it would be closed in a few business days ). There was no activity on my end that kept it open after I requested closure on XX/XX/XXXX. 

They obviously just want to cheat me out of the bonus. But I should not be penalized for their slowness in closing the former account. Further, I note it is literally exactly 1 year since they say they closed the old account vs. when I opened the new one, so they are being absurdly unfair and splitting hairs by one day - WHICH AGAIN SHOULD NOT BE THE CASE BUT FOR THEIR INCOMPETENCE. I'm sure if I owed them money, and was 15 days slow in paying, they would me accountable. 

Based on the facts, I clearly closed my former account MORE than 1 year before opening the new account, and therefore have met all their requirements and should be issued the {$200.00} bonus.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I received my degree as a non-traditional student because I thought it would help me find a better job. When I received my first repayment information, I still had not secured employment that would allow me to repay the loans. I put the loans in forebearance, I believe this was through XXXX. At some point the loans were transferred to FedLoan Servicing. I later found out that if I made 120 payments, adjusted based on income, and applied. My loans qualified and I started this program. Then, about six months ago, I was told by a customer service person that it would be better to consolidate the loans, so I did just that. I received a letter dated XXXX XXXX, 2017, showing that I had a payment due. It also showed that I had no PSLF qualifying payments. I called to find out why my payment was so high and why the letter stated I had no qualifying payments, even though I had three years of qualifying payments. I was told that I lost all previous qualifying payments because the loans were consolidated! I am trying to get qualified again, but I dont know where else to go because FedLoan Servicing has mishandled my student loans. It is not right that they would talk me into consolidating my loans without mentioning that I would lose the three years of qualifying payments.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Funding Balance {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX re the company XXXX I attached a copy of credit report as well. i could not attach on the next page Pleease romove tise Inquiry XXXX XXXX XXXX  ServiDate of Inquiry : XXXX Contact : XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXX XXXXXXXX : XXXX Contact : Not Available Inquiry XXXX XXXX  of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available
Complaint sub-issue: Reporting company used your report improperly

This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out XXXX room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance XXXX, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a hotel reservation for a work trip that stated it was non-refundable if cancelled more than 1 day after booking. My plans changed and I cancelled the reservation within 24 hours. The charge remained on my card. I contacted the hotel and they told me to dispute it with my credit card company. I did so in XXXX. In XXXX when I had not heard anything further I contacted Discover to inquire about the status. I was told the case had been closed in the merchant 's favor in XXXX. I asked why I was not notified and they said that they normally notify the customer. I told them I had provided an email from the hotel confirming the reservation was cancelled in the appropriate time and I was told to forward it to them and Discover would be refunding the charge " out of their own pocket ''. A week later I received an email from Discover to call in for important information about my account. I called and spent 5 hours on the phone with 10 different Discover employees, all of whom had no idea why I was asked to call. Finally I spoke to a manager who placed me on a conference call with the hotel and allowed the hotel manager to berate me and lie on the phone. When that was over the Discover manager laughed at me and stated that I would never get this money back then hung up on me. I then called Discover corporate and logged a complaint and asked for the refund I was told I would receive. 4 days later I received a call from someone else in corporate who told me they would not be honoring the offer of a refund and that the agents had been " spoken to ''. When I asked for a manager I was told there was no one further to speak to. When I asked to be transferred to the department to close my account I was hung up on. 

I have been told that Discover will refund this amount as they never notified me of the status of the case and subsequently been subjected to abuse by Discover and hotel employees.
Complaint sub-issue: Was not notified of investigation status or results

Notice violations under the FCRA : The CRAs are repeatedly failing to identify their source within their responses to the prior disputes related to the incorrect public records listed on my credit report. 
The three Bureaus are not investigating and not providing the third party vendor.

Rule Violated : A creditor fails to notify consumer when it supplies negative credit information to a CRA. The Credit Bureaus/CRAs have failed to identify the vendor or source of the two public records listed on my credit report : Pursuant to Federal Bankruptcy Court rules is the court does not supply the credit bureau ( s ) with any court records.

Equifax ( XX/XX/2018 ) does not list the VENDOR or SOURCE who provided the public records, as the address on the public record is Notice violations under the FCRA. 

XXXX ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA. 
XXXX  ( XX/XX/2018 ) does not identify the VENDOR or SOURCE of the public record as the address on the public record is Notice violations under the FCRA.
Complaint sub-issue: Account information incorrect

The following alleged collection account is listed as having a PAST DUE BALANCE of $ XXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Complaint sub-issue: Account status incorrect

Home Depot Credit Card, Illegal Action on Account Closed On XX/XX/XXXX, I received a letter ( Not dated ) from XXXX XXXX XXXX, XXXX XXXX, SD XXXX THD/CBNA/ XXXX XXXX stating that the Home Depot Credit Card Account terms would be changed on XX/XX/XXXX. 

I do purchase from XXXX XXXX for house maintenance and repairs. I was induced to get this credit card by a XXXX XXXX personnel based on some discount on purchases. I only used that card on some purchases and stop because it was easy to charge to another card. 

When I received their letter, I did not agree with the changes of terms. On XX/XX/XXXX, I called the number XXXX and closed the account. My wife is witness that because we cancelled both our credit cards. Today, XX/XX/XXXX I am receiving a notice from XXXX  that THD/CBNA still open and that they had lower my credit limit impacting in my credit score report. 

That seems like an illegal financial retaliation from THD/CBNA and fraud because I officially closed this account. A financial institution can not act on closed accounts to lower credit limit or scores.
Complaint sub-issue: Other problem

I got a fraudulent charge on my Best Buy credit card statement through Citi for {$2600.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX. I contacted Best Buy fraud department for a couple weeks at phone number XXXX. They recorded the information but no adjustment was made. I got a letter on XX/XX/XXXX saying the matter is being given attention. I then received a letter on XX/XX/XXXX saying that I am responsible for the charge. I did not make this charge. Can you help me with an adjustment of this charge. Best Buy did not help me resolve the issue. My phone number for messages is XXXX Thanks for your help. XXXX
Complaint sub-issue: Can't close your account

I sent two {$500.00} amounts on ~ XX/XX/XXXX and ~ XX/XX/XXXX to my savings account with Citi. However, I had not realized that I could not access the account after XXXX. The issue, they say, is that I need either a paper statement or a Citi ATM card to access my account. Previously I could just use the Android app or the web site, but I could no longer access either without the ATM card. This seemed to occur after I closed my credit card, which apparently gave me access, even though it was not the ATM card associated with my savings account. However, I never received my ATM card, and paper statements are not mailed to me ( I receive lots of spam from Citi, however ). I learned all this from the XXXX XXXX, XXXX XXXX, representatives who I was forced to deal with once I no longer had the credit card. When I had the credit card, I had full access to both accounts. There are no Citi offices in my state. 

I sent a certified letter to the address I was given on XXXX. This letter has not been delivered, but has been sitting in a XXXX XXXX mail hub for at least 14 days. Citi apparently does not allow certified mail to be delivered. Frankly, only crooks act this way. The postcard attached to the letter was put back into the mail, but it was not signed. 

Today ( XX/XX/XXXX ), I sent the same letter, with a new date and Postscript, via regular mail to that same address. 

I am staggered that this could possible occur. I could not imagine doing business with this company in the future.
Complaint sub-issue: Threatened to sue you for very old debt

Jefferson Capital Systems the collecter name is XXXX XXXX. He called my wife today and said we were 3 months behind. We set automatic payments with this same person months ago and payments were being taken out monthly. It was set for the XXXX every month XX/XX/XXXX payment was taken out was set for the XXXX. He said we stopped the payments and need to call the bank and said they will take her to court and garnish her pay. We call the bank and we did not stop the payments there company never took payments out. The bank said there was no post from them and we had funds every time. I called back and talked to them. This person messed up the payment arrangements and again messed it up today and put the next auto payment for XX/XX/2022 years from now. He did not leave any notes in the account from his call today so it took another person and a supervisor to fix this issue and to remove is out of the delecincy because of his mess up and he threatened us by saying they were going to take us court and garnish our wages. I got it fixed with the other people he put our account back up to XXXX and we paid XXXX on this account. Becuase he messed it up they corrected it to now XXXX. My wife is XXXX and this almost gave her a XXXX XXXX  do to her illness. I want to know what I can do to get this justified for the threat he made and the company completely messing up our account.
Complaint sub-issue: Information belongs to someone else

the credit reporting agency never removed it off my credit report i have a letter from the company
Complaint sub-issue: Billing problem

We recently decided to sell our vehicle, so we had a buyer and we called Ally Auto to get a payoff quote, the lady at first told me she faxed it. The second time I called they said yes we will send it. The third time I called they said they couldn't because of an error on the account, but they would remove it and get the payoff quote sent to the dealership, I called today and recorded it they said they can't give me a payoff quote because I owe a payment. Then suddenly it was they can't because one payment was sent to collections. The dealership in XXXX Alaska also called Ally, my daughter also called and they are refusing payment.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and noticed fraudulent accounts this is stopping me from obtaining credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiries in credit report are fraudulent.
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2021 ; I have filed numerous complaints regarding Equifax, XXXX, and XXXX unwillingness to DELETE erroneous activity found on my credit report. I am the victim of several data breaches, and have provided supporting documentation. To this very day, a few minor deletions have occurred. However, all of the major infractions have established a stronghold with zero intentions of departure. I have spent thousands of dollars adamantly attempting to resolve this matter, but all to no avail. My requests are simple : DELETE EVERY DEROGATORY ITEM IMMEDIATELY OR PAY ME {$1000.00} PER ITEM. To this very day, neither has transpired!!!
Complaint sub-issue: Information belongs to someone else

I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX   XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXXXXXX XXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$1500.00} XXXX XXXX {$3500.00} XXXX XXXX {$1000.00}
Complaint sub-issue: Debt is not yours

I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. I feel like I'm being taken advantage of for being ignored by my disputes. I feel that this accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts I need this problem get fixed asap
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 the I.C. System INC. add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it belongs to me. According to the FCRA, I.C. System INC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Complaint sub-issue: Information is not mine

I contacted the customer service number to equifax for help with these inquiries they said there was nothing I ca n't do I know that is not true I would like them to provide me with the name the number and the extension of the person they talk to and the reason why it can not be deleted for each inquiry here is a list XXXX
Complaint sub-issue: Didn't receive terms that were advertised

The Citibank offered several promotional offers in XX/XX/XXXX. One of the offers required a deposit of {$25000.00} in a new account ; keep it for 90 continuous days for a cash bonus of {$500.00}. I contacted a personal banker of the Citibank who verified my account and eligibility requirements to receive {$500.00} bonus. The banker opened a new XXXX XXXX XXXX XXXX for me and instructed on how to transfer money from another bank to the new account. After the banker assured me that I was eligible to receive the {$500.00} bonus, and the {$500.00} will be deposited into my account after 90 days, On XX/XX/XXXX I started to transfer {$25000.00} from XXXX XXXX to the Citibank. The {$25000.00} transfer was completed on XX/XX/XXXX. The Citibank has not yet deposited the {$500.00} bonus as promised. The bank insists on offering only 10 times the interest up to {$500.00}. I never participated in any offering that offered 10 times the interest.
Complaint sub-issue: Can't use card to make purchases

Upgrade an subsidiary of XXXXXXXX XXXX XXXX XXXX limited my account to evertime I make a payment they reduce my credit limit to that amount so my credit file will show I'm always at my limit. They are trying to mess my credit report up. I sent them emails telling them about themselves and to close my account and lower my interest rate that they increased for no reason. So my account will show decreases without staying at my limit. They refused and still has it open. XXXX FCRA, I warned them plus I'm a 100 % XXXX XXXX
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I received a letter by priority mail, with the address being from : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. There was no entity name on the envelope, VERY DECEPTIVE. The U.S.P.S. tracking number is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. I opened the envelope and in a LARGE BOLD LETTERING it said ATTORNEY REFERRAL PENDING. The letter is threatening lawsuit, doesn't say anything about my rights and looks very misleading as if it were from an attorney.
Complaint sub-issue: Problem making or receiving payments

For approximately 3 months XXXX Financial Services has restricted two of my accounts. My wife and I have two XXXX XXXX, one in which we XXXX XXXX XXXX, XXXX XXXX XXXX under XXXX XXXX and the other in which we XXXX  XXXX XXXX under XXXX XXXX XXXX Square has restricted both accounts and has virtually infringed upon our constitutional rights to life liberty and the pursuit of happiness. I have reached out numerous times to their customer service department with no success. I have tried to escalate to management but they will not put a manager on the phone. They keep asking for supporting information and when I submit that information many times their system will not upload it. When I provide the information to a representative they fail to update their system. Furthermore they confuse the two businesses ; they ask for COA information for XXXX XXXX and we do not XXXX XXXX XXXX  through XXXX XXXX. When I provide the COA and other information they request, it never seems to be enough. They always want more. They have our funds frozen and we can not do business. We need the merchant account to do our financial processing but we just can't seem to get to the right person who will accept responsibility and solve our problems. Can you help us?