Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Application denied

I applied for an extension of credit with Keybank. XXXX the branch manager reached out to me to inform me that I was denied over the phone. Key bank sent adverse action via cfpb portal but not to my mailing address. 

KeyBank mentions that they are unable to approve me for the following reasons : Business out of footprint and without necessary existing relationship with KeyBank Lack of experience with present account. 

Ive provided Keybank with my business address that is within their blueprint. I also have business partners who also have brand new accounts with Keybank and doesn't stay within the blueprint but has a business address within the blueprint and they received an extension of credit. KeyBank has discriminated against met and I would like to CFPB assistance in getting resolution. 


This is a direct violation of my consumer rights 15USC 1602 tells me credit is my right. I can not be denied a right. Key bank has discriminated against me. 15 USC 1691 makes it clear that I cant be discriminated against.
Complaint sub-issue: Information is not mine

A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.
Complaint sub-issue: Account status incorrect

Due to the cares act, government mandated that all school loans be put on deferment. This was done without my approval. When doing so account was reported as such which DIRECTLY caused my credit to dump over 60 points with XXXX  and over 20 points with Equifax. I was unable to get a reading from XXXX. I have contacted XXXX XXXX after spending two entire days they finally took my account off deferment and reported such. However, I never could get through to XXXX to repair the credit issue. I was on hold for 3 hours 48 minutes and 36 seconds with this company. I also disputed online however was unable to get into the account after registering through their system. When I tried to contact them I was disconnected three times. All of this is documented on my phone and I have screen shots that prove the decline of credit due to the educational loan deferment. There is no denying by XXXX  or Equifax that the credit decline was due to the report. I have PAID ONE YEAR IN ADVANCE ON THIS LOAN. I have auto payments and ALWAYS pay on time. This is clearly noted yet they decided to dump my credit by 60 and 20 points. My complaint is with the Government and these reporting companies. How can the government mandate such and then CAUSE harm to citizens? I would like this fixed. This has also harmed my chances of getting an EIDL as I am XXXX XXXX and have been under extreme hardship due to COVID. This is so unjust and unethical. I believe that this is in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Other problem getting your report or credit score

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score  on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/18 Regional Acc made an unauthorized, fraudulent hard inquiry to my XXXX  report. Attaching my police report for related identity theft/fraud. XXXX  instructed me to contact each company making fraudulent inquiry on my report individually.
Complaint sub-issue: Charged too much interest

I, an XXXX XXXX, cardmember with Discover Card. I just discovered that the interest on my Discover card was very high. I had noticed this awhile back but, did not have the time to check into why it was so high. I contacted DiscoverXX/XX/XXXX to discuss several issues, and the one I could not get a good answer for was being charged two interest rates since XXXX. I discovered that I have be charged since XXXX, and extra interest rate for missing a payment. I when I stated I have not missed a payment, I was then told it could be charged for a late payment. I have had s few late payments, however I have not missed a payment. 

This situation upsets me because I was not notified that this had happened at a time that I could have disputed it sooner. Also, how do I know as a consumer that the person that put this on my account was not having a bad day and decided to take it out on me. I should have been notified that this was happening so that I could dispute it right away.. At, the present time, no one seems to be able to tell me what or who decided this so that I could speak to them to correct it. No one should be able to add charges to your account without you knowledge, I have been spending a lot on interest and was not aware of it.
Complaint sub-issue: Their investigation did not fix an error on your report

According to 15 usc 1692, I am the consumer and I am not obligated to any alleged debt. The furnisher can not validate debt with out my consent according to 15 usc 1692j. In your investigation you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 usc 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to removed All accounts from my consumer report. I did not give you written consent to report on my consumer report according to 15 usc1681 ( b ) ( a ) ( 2 ).
Complaint sub-issue: Their investigation did not fix an error on your report

There are 4 student loan accounts on my XXXX, XXXX and XXXX credit files, two of the accounts have different account numbers, the two accounts named DEPT OF EDUCATION/NELNET account number is XXXX, and the two accounts named U S DEPT OF ED/XXXX/XXXX account number is XXXX. the problem is there is no phone number being reported and it says that the accounts were opened in XX/XX/2012. I have disputed these accounts with XXXX, XXXX and XXXX and for some reason they told me that the accounts were verified as accurate. I asked XXXX, XXXX  and XXXX for the original contract that has my signature on it or any documents that they might have that proves that these accounts belong to me or that proves that I opened these accounts since they are claiming that the accounts were opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want these accounts validated or deleted from my credit file.
Complaint sub-issue: Information belongs to someone else

I just pulled update of my credit report and I dont see any changes! I already send few rounds of dispute and told you that I have no idea where these accounts came from. Im sure that someone use my personal information
Complaint sub-issue: Was not notified of investigation status or results

THERE IS A BUNCH OF INFORMATION ON MY REPORT THATS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OF UNVERIFIABLE OR REPORTING OF INFORMATION I BELIEVE IS DUE TO THE EQUIFAX DATA BREACH IDENTITY THEF. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL FINANCIAL OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR THE OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES, AMOUNTS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT! TO INCLUDE REQUIRED THE METRO2 SYSTEM!
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX is reporting multiple accounts on Equifax that XXXX XXXX is reporting. This practice must stop as it hindered my financial growth and dramatically decrease my XXXX  and XXXX  score This makes it difficult for any creditors to see the real scores.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased tickets for my son and his girlfriend in XX/XX/2018 for an XX/XX/2018 trip. My sons girlfriend broke off with him and I called and cancelled the flights. I then disputed the charge through the XXXX XXXX credit card and they said I have to pay because I made the purchase. I will not be using the service and I should not have to pay for tickets that will not be used. 
XXXX XXXX XXXX card - Citi Retail Services XXXX XXXX   XXXX XXXX TN XXXX Date purchased : XX/XX/2018 XXXX son ticket XX/XX/2018 XXXX girlfriend ticket XX/XX/2018 XXXX son seat XX/XX/2018 XXXX girlfriend seat Date cancelled - XX/XX/2018 Record Locator XXXX Date disputed on credit card XX/XX/2018
Complaint sub-issue: Keep getting calls about your loan

In XX/XX/2016, my child support raised to a point I could not support myself any longer on my wage. I was in fact XXXX and struggled. I requested IBR for my loans. I sent in the application and gave them access to my IRS XXXX. They were " processing '' it for 3 months, in which I called and emailed several times to see the status. The agents only stated it was pending, but then I was sent a letter my application was cancelled by the lender. I put my loans in forbearance to send in a new application, as that was " all they could do ''. they stated I would have to make a {$5.00} standard repayment to move from Forbearance to the IBR once approved, however I received the billing statement to make this payment 4 days after I received a notice stating since I hadn't made the payment, that my loans were on standard repayment and the IBR was cancelled a second time by the lender. I then filed a complaint with the MN Attorney General. They followed up with the lender, who stated all these things were my fault and I owed a grossly overstated sum of money. As of today, I received a negligent email that they were going to affect my credit, when in fact I should have a $ XXXX monthly payment based on a wage of less than $ 40k a  year and a household size of XXXX. Then i received a call from the lender 's collections person at work. I told her I can't take these calls at work, but she stated she couldn't control when they occurred. I used to work in collections and know that this is wholly against the FDCPA rules. I mentioned that to her, and she laughed at me, thus the reason for this complaint.
Complaint sub-issue: Fees charged for closing account

Hi. 

Name is XXXX XXXX. 

I requested closing my US Bank Account because fraud activity : 1. A  transaction with XXXX. 
2. A transaction with XXXX XXXX. 

It shows pending transactions and completed when the third party did not cashed out the money requested by them & me. 

Now they opened the account using those fraud activities so they can charge me for a dispute that was opened a month ago and was rewarded to me ( XXXX - One month charge, one month free, they wanted to charge both months, so not. And I tried to send the information to be done with that dispute but nobody answer in the direct line & called the 800 fraud department and was told account was close, so I did not send the information. 



Name is XXXX XXXX. 

As I said they opened the account and had me negative balance out of evil, because I was calling and calling and dispute with them and requested account closed. 

I called again as of today XX/XX/2020 and they asked for the information again but no guarantee that the account will be positive. 

Then they should had not close my account with the dispute or opened it again with the same fraud activity that made me close it in first place. 

I think it cancels it out. 

I do not had time to deal with them. Need your help. Thanks. 

In fact they lied as you can see in final letter, they send, there was not credit and deposit of {$36.00} Dollars. What it was - {$36.00} Dollars. 

Thanks. 

I need them to reverse that negative balance. And close my account with a positive. And no reporting to any credit bureau. 

In fact they owned me for {$44.00} from XXXX XXXX 

The {$20.00} from XXXX they returned but that was after closed account when it should had not appeared at all as completed because XXXX XXXX XXXX from XXXX, she never cash it out. 

And yes XXXX XXXX order and the confirmation tell me bank authorized, confirmed it, was pending, so it appear like they got it, but it, pending but never received the money because US Bank. 

Thanks.
Complaint sub-issue: Information belongs to someone else

Fraudulent account identity theft XXXX XXXX XXXX XX/XX/16 XXXX XXXX
Complaint sub-issue: Personal information incorrect

The Equifax credit report listed a former address for me and I have never lived at this address. The address came up many times as an option for identity verification and I was denied access to online resources due to the inaccurate information. I contacted Equifax in XX/XX/2017requesting the address be removed from my credit report. They agreed to do so. However, my most recent credit report from Equifax still contains the address they agreed to remove. I did not recontact Equifax about this issue as it seems their follow through is not reliable.
Complaint sub-issue: Problem getting my free annual report

I was just hired on to a job. When my employer did my background check, they said that my social security number was tied to another name! I went online to the annual credit report website to get my credit reports, but I was n't able to even view them because it said there was discrepencies with my social security number! I need to get my credit report so that I can view it in order to file a police report!
Complaint sub-issue: Debt is not yours

On XXXX XX/XX/2019, XXXX XXXX XXXX attempted to collect a debt for the amount of {$320.00} USD. The original creditor is XXXX XXXX XXXX. Per the collecting agency that a membership agreement was signed online and a charge card was attached to another name. 

I have requested numerous time to provide a proof and validation of proof from both the orignal creditor and debt collecting agency but they have been unable to provide suce information. I was advised to resolve the matter with the club general manager but had to pay the debt in order to alleviate credit problems. 

I do however, have email communication from the fitness club representative/sales rep that they need our signature in order to bind the contract. We did not signed any contract with the fitness club that they can provide. 

The debt collector and the original creditor continue to call despite my request of validating and proving that I owe such debt. A formal letter is submitted signed by me to XXXX XXXX XXXX for the debt validation.
Complaint sub-issue: Frequent or repeated calls

Today, XX/XX/XXXX I called a collection agency to make a payment arrangement for my debt. I was told I would have to pay the debt in full. I asked why is that & the agent responded by saying because its been too long. I said well it has been 5 years, but I want to make a arrangement before the account closes. The agent responds, no maam we will continue to update the credit bureaus. I then asked to be with a supervisor. I was told this is not a supervisor matter, why do I want to speak to a supervisor. I explained I did not understand because it has been too long. She refuses & I asked again calmly. The agent started yelling at me, saying she will put in the system she has updated me on the information and told me to have a good day and she hung up on me. Within a few minutes later, I am being called and hung up on from different numbers. I do not appreciate being harassed & yelled at for trying to pay off a debt.
Complaint sub-issue: Debt is not yours

Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Problem accessing account

I do not have my debit card as I have never used it and my account online does not display the full account number. I called at XXXX XXXX  and someone named XXXX was rude and snickered at me when I asked for help. He told me he does not have to help me, does not have to identify himself and was the rudest most unprofessional customer service agent o have ever encountered in my LIFE. He is obviously going nowhere fast but thats not my problem. He refused to give me information to anyone o could complain to or help me with my account because I cant verify but how can I verify if Ive never used my account debit card and only used online banking with blacked our information? I went my call listened to by a manager or supervisor. I have the end of it recorded and will be releasing it on social media in 2 weeks if I do not hear from someone. I have a XXXX XXXX XXXX XXXX so you had better believe it will get shares, clicks, and lots of visibility.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

Ive received several emails from XXXX XXXX  and credit reports
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXXXXXX opened XXXX XXXX balance {$280.00}
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I was provided with a letter stating my loans are paid in full. After months of monitoring my credit report, XXXX XXXX has continuously updated my account after every dispute as if it is in good standing when in all actuality it is paid in full. The current status is Open/Never late. Deferred, payments begin XX/XX/2022 but this is incorrect.
Complaint sub-issue: Account information incorrect

on XX/XX/2021 I called First Progress to settle an outstanding credit card bill. I was told that if I paid the bill in full and not settle that they would agree to remove the account in its entirety. Well the account has not been removed at all from my account. I have called on several occasions and the customer service reps are no help at all and refuse to transfer me to a supervisor
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

The number of times missed which is being submitted on my credit report appears inaccurate and or misleading.
Complaint sub-issue: Account information incorrect

PROBLEM # 1 WHEN DISCOVER TOOK OVER SERVICING MY STUDENT LOAN FROM XXXX THEY ADDED OVER {$7000.00} TO THE BALANCE, I DEMANDED AN EXPLANATION IN WRITING AND THEY REFUSED. AFTER DOZENS OF PHONE CALLS ALL I WAS TOLD THAT IT WAS AN ERROR FROM INTEREST WHILE I WAS IN SCHOOL. I REQUESTED SUBSTANTIATION AND THEY REFUSED. I BELIEVE THIS CHARGE TO BE ERRONEOUS AS DISCOVER TOOK OVER MY LOAN 4+ YEARS AFTER I GRADUATED.

PROBLEM # 2 DEFAULTED ON THE LOAN AND NEGOTIATED A 20 % BALANCE REDUCTION AND 0 % INTEREST IF PAID BACK WITHIN 60 MONTHS WITH AUTO DEBITED PAYMENTS. HAVE HAD {$890.00} AUTO DEBITED FROM MY CHECKING ACCOUNT MONTHLY YET THE REPORTED BALANCE ON MY CREDIT REPORTS DOES NOT REFLECT MY NOW 4+ YEARS OF PAYMENTS. 

PROBLEM # 3 CREIDT REPORT SHOWS THAT THEY HAVE REPORTED MY ACCOUNT AS CLOSED, WHICH IT CLEARLY IS NOT PROBLEM # 4 THEY REPORTED TO THE CREDIT REPORTS THAT THE ENTIRE BALANCE WAS CHARGED OFF, WHICH IT WAS NOT SINCE THEY HAVE BEEN AUTO-DEBITING A MONTLY PAYMENT FOR 4+ YEARS. 

BANK RECORDS CAN BE PROVIDED SHOWING THE AUTO-DEBIT, UPON REQUEST. THE LETTER ABOUT THE $ XXXX ADDED IN XXXX WAS LOST WHEN WE WERE THE VICTIM OF A XXXX  IN XXXX.