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

I opened a checking and savings account online XX/XX/21 with Citi Bank. I was sent a debit card and checks and issued an online username to access my account. When I went to login and activate my debit card it said my account was blocked. I called Citi and spent hours on the phone and they said they were unable to verify my identity and there is not a Citi Bank close to me. I asked for my funds back that I opened the account with. Never received. Called again 6 weeks later and again never received. Filed a complaint on here and finally received my funds back XX/XX/21. Yesterday I receive 2 emails that my accounts are over drafted and they are charging me {$5.00} for the savings account and {$39.00} for the checking. Called into Citi Bank again and was hung up on. Called back again and the person let me know I needed to speak to the fraud department ( again for the 3rd time now ). She then comes back on the line and says there is a technical issue and I cant be transferred and left me with no resolution whatsoever. I asked to speak to her supervisor and told her this has gone on for 6 months and completely unacceptable! This is traumatizing at this point and has taken up hours of my time for absolutely no reason. Im told the account is closed. They sent me the money back. I can not access anything online and there is no bank. Why am I receiving emails that my accounts are now overdrawn and Im being charged fees? No one from Citi Bank can give me answers and there is not a financial center close to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CONNS with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a validation letter to XXXX XXXX XXXX XXXX, I also sent a dispute challenge letter to both Equifax and XXXX  back in XXXX of 2019. In reference to account XXXX XXXXXXXX XXXX   XXXX  : I recently received an updated letter from both companies Equifax & XXXX  stating that the account has been verified. I have yet to receive a response from XXXX XXXX XXXX XXXX. If the furnisher has not responded to my validation request. How can Equifax and XXXX  verify this account?? This is a violation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries below do not belong to me and were not authorized by me. Please remove them. 

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
Complaint sub-issue: Account information incorrect

The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security  protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Banking errors

I opened a complaint with CFPB # XXXX on XX/XX/XXXX regarding the problem I have with Ally bank described below. It seems that the bank ignores not only my direct complaint to them, but also the one I got with CFPB. It is absolutely not acceptable. I am expecting a fast and positive resolution of my complaint, and payment of my deserved bonus. 

As a longtime loyal customer of Ally bank on XX/XX/XXXX I received email from them offering to open a new account and deposit new money, and in return to get 1 % cash bonus up to {$500.00}. They also outlined all conditions in order to be eligible for this bonus. One was to keep the money in the account through XX/XX/XXXX, and another was to keep account opened until XX/XX/XXXX. On XX/XX/XXXX, I opened two new accounts : one individual and one join with my wife. The same day I received two emails from Ally bank confirming that both accounts were successfully opened. After that I transferred new money to the new accounts. On XX/XX/XXXX I received two emails from Ally bank confirming successful transfers of deposits. On XX/XX/XXXX I called to Ally bank to clarify the time of receiving the cash bonus. However, I was told that at the time of accounts opening, I had to receive email with a confirmation of the bonus, which I didn't receive. Therefore, I will probably not receive the bonus. I have absolutely clearly met all bank eligibility requirements outlined in the offer. Therefore, I feel that Ally bank misled me and probably other customers, and must pay a bonus of {$500.00} for both of my accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted XXXX XXXX regarding this matter immediately and averted an issue. However XXXXXXXX XXXX was reflected on my credit report via Equifax and XXXX as a hard inquiry. XXXX stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to XXXX to resolve. 

Flash forward several months and no resolution, I called XXXX back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at XXXX provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from XXXX stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called XXXX and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.
Complaint sub-issue: Account information incorrect

This scam continues with credit inquiries! How is a consumer to shop when too many " hits '' creates a negative. Every car dealer you speak to etc. Frankly designed to kill you financially. It is an inquiry NOT a loan! 

How Do Inquiries for Mortgages, Auto Loans and Other Loans Impact Your Credit Score? 

Hard credit inquiries, like other information on your credit reports, are seen by the major consumer credit scoring models, FICO and VantageScore. Having multiple hard inquiries within a short period of time can be predictive of credit risk, so having too many inquiries for different types of credit can result in a lower credit score. And get this any and all are allowed to make inquries and NO FREEZE keeps them off the file FACT! 

While all hard inquiries resulting from loan applications were once considered separate events by credit scoring models, that hasn't been the case for many years. FICO and VantageScore have evolved in their treatment of multiple inquiries as a way to avoid unfairly penalizing a consumer for being a smart rate shopper. 

In the contemporary versions of FICO 's credit scores, for example, hard inquiries related to mortgage, auto loan and student loan applications are entirely ignored for 30 days from the date of the inquiry. So if you settle on a loan during that 30-day time period, your scores will not be affected by inquiries. 

After those inquiries have aged past 30 days, they still may not be counted as independent inquiries by credit scoring models. That's because FICO considers similar loan-related inquiries that have occurred within 45 days of each other as a single inquiry in the scoring process. 

For example, if you shopped around for an auto loan with five different lenders over a period of 45 days, FICO would consider those five hard inquiries as one hard inquiry for credit scoring purposes. This is because the inquiries all occurred within 45 days of each other, and FICO understands that you were rate-shopping for one loan, not five loans. 

In VantageScore 's credit scoring systems, all hard inquiries that occur within 14 days of each other are considered as one inquiry for the scoring process. This applies to all hard inquiries, regardless of the lender. 
Inquiries Are Minimally Important to Credit Scores The reason any type of information in your credit report may factor into your credit score is its indication of credit risk. Taking on multiple new credit obligations in a short period of time indicates possible financial distress and elevated credit risk, which is why hard inquiries can impact your scores. That said, hard inquiries do not always impact your scores and are never the sole reason for a low score or being declined for credit. 

When you compare the influence of inquiries with the influence of the other credit scoring categories, you will see that the consideration of inquiries is the least important aspect of your credit reports. They just aren't that important to your scores. 

REALLY OPINION BY EXPERIENCE not true!
Complaint sub-issue: Information belongs to someone else

I am stressed out that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish officially. I am a victim of identity theft as I do not recognize those items in my credit report. Its very hurting when I see accounts that I do not recognize in my report and unfortunately, I am forced to write letters and complain. Please check them all and investigate and delete them forever as I have never signed any documents with them, and never authorize them.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX US DEPT OF EDUCATION states I owe XXXX, XXXX. Thus amount is what I owe for attending UNIVERSITY OF XXXX start year XX/XX/XXXX. 

Please know that I XXXX XXXX was in the XXXX grade attending XXXX XXXX at XXXX XXXX XXXX XXXX Located in XXXX NC XXXX they contact info is ( XXXX ) XXXX. I have been trying to speak with this company numerous of times. They can not provide documentation to identify me. Section 611 ( c ) 15 U.S. Code 1681i University of XXXX XXXX : Deceptive Advertising for Graduate Employment. In late XXXX, the University of XXXX was hit with a record-breaking {$190.00} XXXX lawsuit settlement by the U.S. Federal Trade Commission XXXX This is public records. I never attended that school. I was in the tenth grade at XXXX XXXX XXXX XXXX XXXX That year I was suppose to be going to this university. I never lived at the resident that was associated with the school documentation. I have been calling the school trying to get all documentation. They stated I couldn't due to the fact I couldn't pass the test questions. I am asking for a removal off my credit. Due to the inaccurate information that was used with this school.
Complaint sub-issue: Was not notified of investigation status or results

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.
Complaint sub-issue: Information is incorrect

I've updated my information with all agencies. Credit Karma will not updated my information. All I get back are generic email messages. No contact information to speak with any one about this problem. I have emailed several times and continue to get the run-around.
Complaint sub-issue: Debt was paid

Federal Student loan servicer for the Department of Education ( PHEAA operating under XXXX XXXX ) is reporting in excess of XXXX error on my credit report, including incorrect open dates, incorrect balances, the lender is not reporting payment history, erroneous derogatory remarks/comments, account status, and erroneous delinquent payments. The lender placed me in an authorized period of non-payment ( forbearance ), retroactively. The updates to my account cleared all delinquencies, and started my authorized period of non-payment ( forbearance ), beginning XXXX. However, the lender states they are not required to follow Fair Credit Reporting regulations per guidelines provide by the Department of Education. However, no one within the Department of Education, the lender 's office, or the Ombudsman has been able to provide a guidelines put forth by the Department of Education, directing federal student loan servicers to disregard the FTC governed Fair Credit Reporting Act, and continue to report delinquencies which has been removed from their system due to a retroactive forbearance, which is defined by the department of education as authorized period of non-payment. The Lender has is picking and choosing which information they want to report regarding my loans, most of which is grossly inaccurate. I have been requesting resolution on this issue since XX/XX/XXXX, which has included disputing the information with the credit reporting agencies, the lender, the ombudsman, and the lenders advocacy service, but have yet to receive the financial audit or the credit report corrections I have repeatedly requested.
Complaint sub-issue: Information belongs to someone else

Account NameXXXX  Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account NameXXXX XXXX Account XXXX Account TypeCredit Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeXXXX XXXX  ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedFeb XXXX Account XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status UpdatedApr XXXX ***remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX ***remove above incorrect names, not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX ***remove above incorrect addresses, not mine, FCRA violation ( XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect numbers, not mine, FCRA violation
Complaint sub-issue: No notice of investigation status/result

I am a victim of Id theft and I sent two requests certified mail to equifax to do a security freeze. I mailed them twice the police report, utility bill, social security card and drivers license. I received confirmation of the certified mail. They did not respond to either of my requests for a security freeze. I called them XXXX/XXXX/15. I talked to 3 different people. The first one told me NO they wo n't do the freeze, I have to pay XXXX. The second one said I had a lock on my file, which I do n't recall placing and said I had to pay XXXX to lift the lock. Then they would place a freeze. I talked to a third person who again refused to do the security freeze and when I told them I was a vicitm and I sent my documents and provided the dates on the certified mail, they said they did n't have them. They said I had to send a third time and I could fax. This is very concerning as I sent highly sensitive personal information. I faxed it although I was very hesitant to do so. I sent these letters back on XXXX XXXX and they signed for it on XXXX XXXX ( 2015 ) and I sent it again XXXX XXXX. I 'm now concerned other fraudulent accounts may have been opened due to their lack of integrity and service issues. I want them to freeze my credit and send me updated report.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/XXXX, I transferred money from my bank of the west account to another bank and had the funds available. The transfer posted the next day but the bank charged a XXXX ATM fee from last statement cycle which caused me to go into overdraft. Not only I had to pay the XXXX dollar fee but had to pay XXXX on top. A bank fee should not cause overdraft fee but they refuse to help or they keep telling me I made the transfer after the fee which is not possible.
Complaint sub-issue: Information belongs to someone else

There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.
Complaint sub-issue: Account status incorrect

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Account status incorrect

On XX/XX/2019 a package of information was sent to Equifax to dispute information regarding 3 collection accounts on my credit report that have been paid asking for them to be removed. On XX/XX/2019 a phone call was placed to Equifax again speaking with an advisor asking for these to be removed. The 3 accounts have not been removed and remain on my credit report. 

Also, I have been in contact with the 3 credit reporting agencies and Equifax is the worst of the 3. Their website and web services are horrible and not user-friendly and the online services hardly ever work. It makes this very discouraging and I feel that because of this most people will get frustrated and just not doing anything and walk away.

One company should not have so much power over someone's life and credit report.
Complaint sub-issue: Information belongs to someone else

Someone stole my identity used it to get students loans.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of the Equifax data hack of XX/XX/XXXX. I first became aware of the problem in early XX/XX/XXXX via news reports. Equifax never bothered to contact me directly. I have placed a freeze on my credit report with Equifax.
Complaint sub-issue: Account status incorrect

XXXX In XX/XX/2020 XXXX offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. 
Since then I have written two letters to the resolution department for XXXX, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. 
Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. 
This remark on our credit is inaccurate and should be removed immediately.
Complaint sub-issue: Information belongs to someone else

The consumer reporting agencies refused to block the fraudulent accounts that was proven to be fraudulent. an identity theft report was sent on XX/XX/2022 according to 15 USC 1681c ( a ) and the consumer reporting agencies failed to perform there duty pursuant to 15 USC 1681c ( a ) they also refused to send me the proof of the investigation Of the names and people they communicated with and sworn statements that is required for verification. Fraudulent accounts are attached to this complaint and FTC identity theft report.
Complaint sub-issue: Information belongs to someone else

credit reporting agency ignoring delete fraudulent accounts from my credit report
Complaint sub-issue: Investigation took more than 30 days

After initiating a complaint against Equifax for failing to respond with in 30 days. And explaining that I wasnt mentioning the names of the companies cause equifax would dispute the items in question, Instead of addressing the actual complaint, and that I would attach documents that showed I didnt recieve a response on the two separate items from Equifax untill months after they were initiated. Do you know what they said? You'll never guess. They grabbed the names of the companies out of the documents I sent, and disputed thier accuracy once again. Instead of address my actual complaint. See attached document. 

This is an investigation into an on going problem with equifax. They failed to notify me of the results of a dispute within 30days. This no longer involves the other companies. There is no reason to investigate the items once again. Equifax failed to notify me. And they refuse to address the complaint against them. 

I have brought this to thier attention 3 times now, and not once have the addressed the complaint.