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

I signed up for a Best Buy credit card ( through Citi ) in-store in XX/XX/2018. I signed up for the card to save 10 % on a purchase, so when I returned that entire purchase ( defective product ) there was no longer a need for the card. I had to wait for weeks to call due to initial setup, etc. I finally got a hold of the customer service and had them cancel the card. However, I noticed I kept receiving card-holder offers in the mail, indicating the card hadn't been closed. I called back and ... closed the account again. Same thing happened again. Now, for months ( since last XXXX ), I've been trying to get a hold of them to close my account. I call all the time, and every single time I call I get to the point where I'm supposed to get somebody on the phone to cancel the account, wait for 10-15 minutes, and then when it sounds like somebody has just begun to pick up the phone, it hangs up. I'm unable to access the account online. I don't have a physical card. I don't have any way of getting them to close the account. 

This is fraud and I would like to press charges against Best Buy, if possible. I'm willing to pay thousands of dollars to pay for attorney fees to get this going, if somebody can point me in the right direction. I've tried contacting the FBI 's fraud division, but they sent me to CFPB.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ONLINE INFORMATION S Original creditor : XXXXXXXX XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX
Complaint sub-issue: Having problems with customer service

I received a forberance on my loans last spring. XXXX 2016. When i saw i was recently reported the last few mths for non payment i contacted the Fed Loan Servicing center and my info was not entered correctly on the fed loan side. The women i spoke with stated shefixed the error and suggested i file a dispute. They will correct the statemenr of multiple late payments.
Complaint sub-issue: Their investigation did not fix an error on your report

Unusual notifications/responses from crediting checks. ( XXXX, XXXX XXXX )
Complaint sub-issue: Debt was result of identity theft

I TOOK A LOOK AT MY CREDIT FILE AND NOTICE THERE WAS A COLLECTION FROM PRO COLLECT, THAT does NOT BELONG TO ME. I SENT A LETTER OUT TO THEM IN REGARDS TO A FRAUDULENT COLLECTION I FOUND ON MY CREDIT FILE AND TOLD THEM THAT WAS DONE FROM AN IDENTITY THEFT, I HAVE NO KNOWLEDGE OF ANY SUCH DEPT I HAVE WITH PRO COLLECT AND ASK THEM TO PLEASE DELETE THIS COLLECTION FROM MY FILE AND THEY HAVE REFUSE TO DO SO. I JUST FILED A COMPLAINT WITH THE ATTORNEY GENERAL OF XXXX TX YESTERDAY AS WELL.
Complaint sub-issue: Problem making or receiving payments

Discover has removed the ability for a lot of individuals to use the XXXX feature to send money. A lot of the people affected by this include those who were previous customers and had previous access to the XXXX  feature. The company claims this in for fraud reasons but I have had previous access before and I make payments from that account through XXXX.
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 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. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 604 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. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have multiple inquiries on my report all datedXX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is regarding billing dispute number XXXX. 

On XX/XX/2019, our XXXX XXXX tech support package renewed for {$100.00}. 
Previously, we had been to Best Buy and were told all protection plans were converted to the Total Protection Plan. This covers all electronics in the house and a {$49.00} service fee for in-home visits. 

On XXXX, we called to make a service appointment for our XXXX  XXXX. We were told at this point the package had not converted and we owed another {$210.00}. They stated they would refund the {$100.00} to the account. As soon as the purchase came through the account, I disputed the prior charge on XXXX. 

I filed a prior XXXX  against Best Buy complaining about the price difference being snuck up on us at the last minute and asked Best Buy to stand behind what was told at the store level, giving a refund difference for this year. XXXX with the XXXX  's office refused. You can reference the XXXX  if you go to Best Buy 's headquarters. 

It appears Best Buy 's credit came through on the same day of my dispute, presumably after I filed it. Best Buy ran the refunds as two separate amounts : {$32.00} and {$76.00}. Best Buy finally stated it was refunded this way due to breaking it into XXXX and Tech support renewal. I confirmed this when looking at my Citibank letter as well. 

On XXXX, Best Buy issued a response to Citibank that stated they had no record of my cancellation even though the account was clearly refunded on XXXX. Citibank probably caught the way it was broken up by the breakdown amounts. Then, there is a note further down that doesnt display a date next to it where Best Buy acknowledges the refund. 

On XXXX, Citibank issued a letter to me stating the dispute was resolved. 

I have filed another XXXX  report against Best Buy for numerous reasons, including recent problems with their XXXX XXXX as well as listing that I never asked approached them for a refund. Clearly, they should have investigated this on their end properly. 

My concern is if Citibank has flagged this dispute as mispresented. In the dispute summary online, it still reflects the dispute as open and pending investigation. I e-mailed this problem to billing disputes on XXXX ( only that it still shows open ). I also attached a copy of the dispute summary. I still have not heard back on the problem.
Complaint sub-issue: Problem lowering your monthly payments

I reached out to Nelnet on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). We were behind on our bill and the call started letting me know that I was a month going on XXXX months late. This is for my student loan, which is not federally backed. 

I requested an economic hardship deferral. Immediately I met with let 's get you on an income repayment plan. I explained that my wife had been in a terrible car accident. The rep. still wanted me to do a reduced payment plan. 

I then explained more of the story about the accident and our current circumstances. 

On XXXX XXXX XXXX my wife was in a tragic car accident and was airlifted to a medical center in XXXX XXXX Her car rolled over her breaking all of her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Her surgeries were successful, and she is currently in inpatient rehab in XXXX XXXX 

However, we went through a period where we lost my wife 's income ; she was the primary provider for our household. We are currently swamped with medical bills and trying to make ends meet with XXXX of her income and my adjunct teaching salary of about {$440.00} a month. I am working as hard as possible to obtain gainful full-time employment. I am requesting a deferment/forbearance of this loan until we change our current emergency mode financial situation. 

Then she asked me about my employment. I told her that I was employed at XXXX XXXX XXXX as an adjunct instructor and made {$440.00} ( ish ) a month. She asked if I had tried to get employment... .full-time. I explained that I have submitted numerous applications over the past few months and am still looking for full-time employment. 

She finally stated that we qualify for the deferment but that there are needed documents. I asked for clarification. She mentioned my XXXX pay stub. I asked about what was needed for my wife 's accident. She didn't let me know what document was needed. I sarcastically asked if I need to show a video of my wife in the hospital without the use of her legs. She said sure, that will work. 

I asked how to submit the documents and was not given this information. 

I pivoted to ask about the payoff and if my family could contribute to help. She was more than willing to talk about this part of the process with me. 

This is unacceptable! We are in need and have a legitimate life crisis, and all Nelnet cares about is their money. This reminds me of the illegal tactics that XXXX XXXX was busted for a few years back. 

After the call ended, I went online and emailed support. I don't have an answer yet but the process is still very much... .you need to pay. We can not, at least not right now. 

This process during a trial like we are going through adds to the hurt and pain. Please help us!
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have a Student Loan through XXXX Mohela and my payments were {$380.00} a month. In XXXX of XXXX, I had to do a forbearance due to being unemployed. When my forbearance expired in XXXX of XXXX, the payments had risen {$490.00} a month. Unfortunately, I had to do another forbearance, in XXXX, this time due to a XXXX and now the payments are {$730.00} a month. 

I called XXXX Mohela on XX/XX/XXXX to see why the payments are so high after my forbearances and they told be it was due to the term of my loan, which is five years and ends in XXXX of this year. 

I asked if there was a way to reduce the payments, because I only work part-time and I have not started back to work yet and they told me there was not way to reduce them.
Complaint sub-issue: Debt is not mine

I received a notification from XXXX XXXX that there is an " open collection '' on my XXXX Credit Report. On my report there is an open collection from the agency " EOS CCA '' for {$56.00}. The original company says " XXXX XXXX ''. I called XXXX XXXX XXXX and they confirmed that I do not have any debt and that my account is closed and paid in full ( documentation attached ). I called EOS CCA at the number provdied by XXXX ( documentation attached ) and tried to remedy the issue. Before this call I looked at review for EOS CCA and many consumers stated that this company is a scam and is looking for personal information. In my call to EOS CCA I informed them that this was not my debt and they refused to help me unless I gave them my Social Security number. They could not find my account based on my name, address, or phone number. They said unless I give them my social security number they would be unable to help me. I called and made a complaint with the XXXX as well as XXXX. XXXX is going to dispute the charge with EOS CCA. My credit score is going down because of this company and this open collection. I am hoping that this is investigated so this does not happen to anyone else, and so this does not effect my purchasing decisions in the future. Thank you for your support.
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 demand to be deleted immediately 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 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 XXXXXX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to Equifax dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payment from this account : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Unable to open an account

I need to get removed from XXXX. I got reported to XXXX for overdrafts because I had checks returned but it was not my fault. I got reported for stuff that happened that was not due to account abuse. I was scammed and had bad checks in my accounts.
Complaint sub-issue: Information belongs to someone else

Good afternoon, My name us XXXX XXXX XXXX, Rest assured I have tried endlessly to get this resoled without getting anyone involved. 

The Equifax credit reporting company keeps reporting a delinquent for an account that I have no knowledge of. under my. I have a derogatory mark for a collections account opened in XX/XX/XXXX..Its from a creditor called XXXX XXXX XXXX XXXX. 

The debt is for XXXX and the debt is now owed by XXXX XXXX XXXX, who has no knowledge of this debt. I have tried to dispute the item on their website and it keeps looping around not completing the dispute. Or I have gotten back emails that the issue is fixed and it has not. No other credit reporting company is reporting me negatively for any dent. I have never been late in any of my payment with any creditor. 

Please assist me in helping me get this item removed my equifax credit file. 

I 'm tryiny got buy a house and this collection debt is preventing from doing so. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Dispute letters were sent in XXXX 2021, and I have yet to receive any letters regarding dispute results or updates.
Complaint sub-issue: Information belongs to someone else

I have already sent you a complaint previously to inform you that I am a victim of identity theft. I have also sent multiple letters to the credit bureaus regarding this and I have not received any response from them. I have recently checked my credit report and I noticed that the item that I have previously disputed is still reporting on my credit report. The negative items listed below do not belong to me. I am in need of your help in removal of these items from reporting on my file. I will include here the copy of my identity theft report together with the letters that I have sent to the credit bureaus and some documents to help in the deletion of these negative items found on my report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Complaint sub-issue: Information is not mine

Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XXXX XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge. If you want a copy of the XXXX, ask your buddy XXXX XXXX XXXX to provide it as they claim to have written it up and I never received it. I also do n't care what these accounts are reported as, they are hurting my credit and are fradulent. If XXXX XXXX XXXX and XXXX XXXX XXXX are not active collection accounts then why are they actively trying to get me to pay these accounts back, that seems like a collection account to me. 6 days until my lawyer files a lawsuit, I am not playing. I also want to point out for the record that your last response did not state any address as being reported as mine, are you trying to hide something?
Complaint sub-issue: Public record information inaccurate

In XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, XXXX XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XXXX of XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
Complaint sub-issue: Didn't receive notice of right to dispute

Various different information provided from credit bureaus. Please verify. If not, please remove and delete.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ***
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation