Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

I had an auto payment charged to my Sears Citibank credit card for about two years by XXXX. I found out this was my work program that my employer was supposed to be paying for, and no longer used the credit card for anything else. 
I have had this account for about 20 years. 
When I called to close my account XX/XX/XXXX, the charge had not showed up on the XXXX statement yet, so I didn't expect Sears to process a charge on a closed account, but they did/already had. 
I called again XX/XX/XXXX when I got a statement showing that I was being charged for the subscription which I was then paying with another account, and was told it " would be taken care of, '' however all the customer service rep. did was credit a {$29.00} late fee that I hadn't even been charged yet, leaving the {$15.00} XXXX charge on the closed account to accumulate late fees and interest. 
I found out this weekend that Sears Citibank has reported the account as delinquent, with over {$50.00} of additional late fees and interest charged, to the credit bureaus and dropped my credit score by over 100 points for the first time in many years. 
I called Sears and offered to pay the {$15.00} but they will not reverse any more late fees or interest charges or admit any responsibility for their customer service misinformation last month. So I paid the {$15.00} and they'd rather deal with CFPB and XXXX than give up on their late fees and interest charges. I'm not a customer anymore, so they don't give a XXXX. 
Lesson is when they say " it's taken care of '' don't believe them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my credit report, I noticed Elan Financial Service company pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.
Complaint sub-issue: Public record information inaccurate

Equifax has not properly investigated the public record item below. I am requesting it be removed from my report pending a thorough review. 

PUBLIC FILINGS XXXX  RECORDER OF DEEDS {$3800.00} not mine
Complaint sub-issue: Account status incorrect

I have tried to resolved this issue on many occasions with the three credit bureaus about late payments on my XXXX XXXX XXXX credit card to no luck. I have written letters to the company as wee as I was instructed to do.XXXX states that they do not respond to inquires but to send a letter to the three credit bureaus explaining my dilemma and they will remove the late payments considering it was no fault of mines. I was alone told the bureaus will remove which they did on the pay status bit not the pay history of my account. This has ben going on for months and every time I either call the bureaus to inquire I get a different explanation each time. Every time I call XXXX XXXX they tell me the letter of explanation should be sufficient. I would just like to know where it states late payments the status shows {$0.00}, but the pay status shows the late payments .The informed was changed on one column, but not the other
Complaint sub-issue: Don't agree with the fees charged

I attended XXXX XXXX in XXXX I stopped attending after becoming XXXX and I withdrew due to my research about the school and all of the lawsuits it had going on. Fast forward to XXXX and XXXX proceeding, I have this school loan showing on my credit and its causing harm to my name and credit profile because I do not owe loans for this school they should have been sent back to U.S. Department of Education once I withdrew and that did not happen also I had to consolidate these loans to try and help with my credit not being ruined and its unfortunate because these loans shouldve been forgiven. Everyone knows XXXX gives out false hope and false pretenses. I dont understand how I owe student loans when the money wasnt used at this school
Complaint sub-issue: Trouble using the card to spend money in a store or online

On or About XX/XX/XXXX, my account was placed on " Fraud Suspension ''  without notice! And to this date, I am unable to access any of my funds! 

I have attempted to contact XXXX XXXX XXXX, everyday since being Denied at the Grocery Store in XX/XX/XXXX. Upon Initial contact & thereafter, I received the exact RUDE  response, " We apologize for any inconvenience but due to the " Fraud Suspension '' placed on your account, we are unable to access any information nor tell you why your account was placed under " Suspension '' in the first Place ... Someone from the Fraud Department will be contacting you soon upon completing there investigation - by letter or phone ''. I am also unable to get an exact time frame of when the investigation will be done & /or when I will have access to my fund 's. 

I have also requested to speak to a Supervisor & I'm told that an email has been sent & someone will contact me within 24 hours. Still NOTHING & No one in the Customer Service Center seems to care! Each Representative, I spoke to was extremely Rude & Cold-Hearted! For example, upon explaining my situation to the Representative, I was informed that I needed to WAIT. Because I wasn't satisfied with that response I asked, what would she do if she were in my situation? Representative replied, " Well its NOT me - so WAIT '' - " So if there's nothing else I can help you with " I don't have time for this ''! I got this response countless times! 

As of today, no one has contacted me nor did I receive a letter or email notifying me that my account would be placed on " Suspension '' OR " WHY ''. 

I am XXXX & have XXXX Children whom are Homeschooled due to illness & I am the XXXX XXXX for my family. Aside from XXXX, this is my only Source of Income. Since the suspension, I have been unable to pay any of my bills, purchase medications, toiletries, gas etc.! 

My phone service has been cut off, I have an automobile loan which is in default & may be repossessed any day now. My mortgage is due at the end of every month. In the meantime, Fees are incurring. 

I have also attempted to contact the Social Security Office directly in person & was informed that they are unable to offer any Guarantees & that I needed to contact XXXX XXXX XXXX, to resolve this issue!
Complaint sub-issue: Information belongs to someone else

The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 08 XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I called Sears Repair on a complaint that I was not receiving ice from my XXXX refrigerator. A technician was sent out to inspect he informed me that my ice maker was inoperative and that I needed another one, which required 3 different parts for repair. It also required that I defrost and unplug my refrigerator for two days. The parts were sent to my home XXXX delivery. On XX/XX/2019 a second technician arrived to perform the repair after performing his inspection, he determine that I didn't need this repair and parts that was present. It only required the defrosting of the unit, which he explained often happens on this particular XXXX refrigerator. He put in his computer all the information and refund to me credit back to my account. He gave me labels to put on the Parts Packages that I needed to return back to Sear through XXXX on that date. I have all the documents date and time in which XXXX delivered to Sears and whom sign for its return. I have unsuccessfully sent all this information to Sears to present proof of the return and requested that they update their records to reflect but as of to date absolutely nothing as been done. Thank You..
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased XXXX  air cleaner. best buy shipped it. shipped in original packaging per them. XXXX XXXX tracking shows delivered. however, we have a sign that states do not leave packages due to location. we contacted best buy who refuses to assist or refund. Citibank won't dispute since tracking shows delivered, which is the whole purpose of a dispute.
Complaint sub-issue: Reporting company used your report improperly

Equifax lost a number of people 's personal information including mine. However it 's difficult to be sure my data has been affected, as their site for checking the status seems to return inconsistent results for the same data. Additionally, they have offered 1 year of a credit monitoring service, which is terrible for consumers for two big reasons.
1 ) One year is not nearly enough for a breach that loses all personal information 2 ) At one point, there was information seeming to indicate consumers could n't sue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Identity theft On Saturday, XX/XX/21 at XXXX pm I noticed that my cell phone did not have cellular service but could still access phone apps with wifi. I was unable to make or receive phone calls and texts. While using my phone, I accessed the XXXX app and found XXXX alerts ( XX/XX/21 credit inquiry from XXXX for a XXXX credit card XXXX XXXX CO, and XX/XX/21 with a credit inquiry alert from Equifax for a XXXX XXXX credit card in XXXX FL ). The credit bureaus were closed for the day at the time I noticed the alerts. I called XXXX, Equifax, XXXX, and XXXX XXXX the morning of XXXX XX/XX/21 to report fraudulent activity. I did not request these credit inquiries. I also went to an XXXX XXXX XXXX  store and learned my phone number was highjacked and a fraud alert was filed.
Complaint sub-issue: Investigation took more than 30 days

On XXXX sent off a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of being ignored of my disputes. Section 611 ( a ), it is a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me.

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The Credit Bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I would like assistance with disputing a charge on my account for {$6500.00}. It was paid to Discover Credit Card on XX/XX/18. In total they charged me {$6500.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Complaint sub-issue: Was not notified of investigation status or results

Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Problem during payment process

I've been trying to make a payment before the due date and the payment system isn't letting me set the desired date which is before the due date. 

I have tried to chat with any representative unsuccessfully, they just left me hanging with no answer whatsoever, very disrespectful and poor customer service. 

It is clear that they are charging all interests up to the due date instead of give the client the benefit of not paying daily interests. For a single client isn't a lot of money, but think about the strategy of deceiving millions of clients with the same tactic. I can imagine how many millions of dollars they are making with this single deceitful act.
Complaint sub-issue: Problem during payment process

I made a payment of {$4000.00} to my upgrade account using my XXXX  XXXX XXXX checking account. I woke up this morning and it was pulled from an unverified account XXXX XXXX  on my account. How is this possible if I was told by XXXX in the customer advocacy team I cant make payments using that account until I sent a statement of recent use and it even shows unverified the account. This caused problems with my checking account. I called XXXX and the representative XXXX was nasty like always. When I had an open case before I got her and asked to switch which is how I got XXXX because of how nasty she is. Today she refused to help me or even pass my information to XXXX or let me speak to her manager XXXX. The service with this company is a disgrace. It became a joke to XXXX when I kept calling back to ask for her supervisor and she kept allowing the call to escalate instead of trying to deescalate it. I even advised her XXXX told me to give her a call back if there was any problems with this issue. XXXX advised me to put this complaint in and I shouldnt be talking to that department. Unreal how rude and belligerent she was. I told her if she wasnt happy at her job she should get a new one. I find it hard to believe she is the front line in a sensitive department like that!!! I would like a call back asap!!!
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Had 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 informations inaccurate.

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: Information belongs to someone else

I was in a bad accident about 4 years ago I was in a XXXX for 8 months just beginning to start my life again when I checked my credit report someone was trying to get a car loan in my name and now I have 30 inquiries on my credit report that don't belong to me.
Complaint sub-issue: Account information incorrect

I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the XXXX day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX Credit, XXXX credit card XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, Please take another names of my report
Complaint sub-issue: Account status incorrect

VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. You cant place something on my file before you allow me 30 days to dispute! This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Complaint sub-issue: Can't get other flexible options for repaying your loan

In XX/XX/2017, I was contacted by XXXX XXXX to consolidate my student loans. I was informed that this consolidation would not impact my Chapter XXXX bankruptcy. Unfortunately, the representative did not know what he was talking about and it definitely affected by Chapter XXXX status. I was immediately put into repayment status. However, when I contacted them to explain the mistake, they admitted that I was misinformed and stated they were unable to provide me any assistance since it was too late to reverse the consolidation. I was furious, but felt my hands were tied. Then, I attempted to contact them again to begin making repayments under the income-based plan. I was again informed that they made a mistake and consolidated my student loans with a small Parent PLUS loan taken on behalf of my daughter. Again, there was nothing they could do but offer me further forbearances. I am never going to pay back my loans as a XXXX XXXX XXXX  without additional assistance. My loans are doubling with interest and no one is taking responsibility for their mistakes. I have attempted to work this out with the lender but they are not willing or able to correct this outrageous grievance.
Complaint sub-issue: Deposits and withdrawals

on XXXX I deposited a check into my business account. No hold was placed for this deposit. Later same day deposited another check into another business account, from same check account and was told hold would be placed. Later that day was told a hold would also be placed on original check deposit of {$1500.00} because bank said had information check would return form issuing bank. This was after deposit made several hours before with no hold. I then provided proof of funds to bank manager XXXX XXXX. He said would release funds on XXXX.On XXXX check still on hold. I then provided copy of front and back of check showing it cleared my account on bank letter head from issuing bank. XXXX XXXX from Bank of the West Said would not release hold. On XXXX sent proof funds and copy again of check on Bank letter head showing it cleared, no reply. On XXXX called Bank manager XXXX XXXX, said he could not release because back office had inside information about my account???. He also said proof funds and cleared check would not work. I then put him on three way call with issuing bank and they verified funds cleared on XXXX. Mr. XXXX then told issuing bank must send letter on their letterhead providing statement funds cleared. Issuing bank also told XXXX XXXX Manager of Bank of the West that TFCU does not verify checks via phone and does no know How Bank of the West got their information. So after four business days and three verifications on bank letter head proofs of funds where good and conference call. Bank released funds and and charged me retuned check fees and caused my tax payments to bounce knowing my funds where good from the very start. I feel I was charged fees when bank is at fault and valid verifications of funds where provided .I also feel i was discriminated against on personal level. I had to go beyond standard banking practice to provide proof of funds to get a check hold released. Bank of The West put my business at risk by not being able to make tax payments. They further had more than enough documentation x 3 showing funds are good and cleared. This is not the first time the have done this to me. It not standard bank practice to provide three separate verifications on bank letter head for proof of funds and payment.Not counting all the time, stress energy to be put into this
Complaint sub-issue: Debt is not yours

I filed a dispute with Equifax informing them that there was an account on my credit report that did not belong to me and that I wanted them to research it to verify that the account was indeed mine. I received a letter from Equifax dated XX/XX/XXXX Confirmation # XXXX stating that they researched the account and that the account has been deleted off of my credit report, which it was Recently I was checking my credit scores and noticed a drop in my credit score by over 100 points with Equifax then I noticed that they have put the account that they had originally researched and deleted from my account back on my credit report. On XX/XX/XXXX I called and talked to somebody about this matter and they told me that they would remove the account once again and that it would take approximately 2 weeks. On XX/XX/XXXX I checked my credit report again and the account is still remains in my credit report. On XX/XX/XXXX, the same day I send Equifax via fax and USPS mail a copy of the letter that was sent to me but they have to remove the account from my credit report. I want this account removed from my credit report immediately. According to the letter they sent me on XX/XX/XXXX they researched the account and obviously could not verify it so they deleted it from my credit report. Why did they put it back on there? And why wo n't they take if off " AGAIN '' after assuring me it would be removed.
Complaint sub-issue: Account terms

There is a hard inquiry on my report that I did not authorize. I called XXXX and spoke with a representative who said that they would note that I called and that I did not authorize this inquiry on my report. I followed up with a letter explaining the same thing. I have not received a response from XXXX and it has been over 30 days. I have uploaded the letter and the certified mail receipt. This inquiry needs to be removed because I did not authorize it.