Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

They put my mortgage in forbearance and reported it to the credit companies and now my credit score dropped 67 points and they broke the CARE ACT
Complaint sub-issue: Fee problem

Hello there, I 've been a member with  Key  Bank since  XXXX . I have a Key Previlege account and CD account with  Key  Bank and was told that I will not be change a monthly maintenance service charge per their Personnel Banker  XXXX   XXXX  on my Checking. I did not realize that this account was being charged monthly service fee since  XXXX  of  XXXX  thru  XXXX   XXXX  .This is my savings account for my widow mother. When I received the statement for this account, I did not check activity detail indicate on the statement that  Key  Bank was charging me a monthly fees. Due to the fact that I was told no monthly fees, I did not double check the statement. When monther needed the funds and notice the monthly fees indicate on the statemented for  XXXX   XXXX . We question Key Bank. This is when I call the customer service and spoke to  XXXX  on  XXXX   XXXX   XXXX  was told that she that their system was not able to link my account together since I original open  XXXX  account in  XXXX  since  XXXX  and recently open a CD in  XXXX  WA. I know that it was my mistake for not reviewing the statement monthly, but since this was a raining day funds for my mother I did not think about checking the detail and told upfront no fees would be charged.. I was advise by their customer service (  XXXX   ) t o close my current checking account and open a new account which I did. I feel I am a victim of FRAUD by  Key  Bank and dishonest done by their employees. They were dishonest with me and was told that I will not be charged. I tried resolving this issue with  Key  Bank and after 16 days of waiting for a response I finally received a return call from the Branch Manager  XXXX   XXXX  that the company will only refund the service fees of a couple month. I am asking for t he Seven  month refunds of the service fees that they charged me totaling {$170.00}. I feel that I was taken advantage of. It 's not my problem that there system is not able to link out of states account. I should not pay the price for their system failure.     Thanks  XXXX
Complaint sub-issue: Company closed your account

I filled a complaint and concerns with U.S. Bank and there negative practices towards their customers. I spoke to one of their supervisors name XXXX. She made the problem worst. Without my permission she decided to close both of my U.S. Bank and XXXX credit cards. I did not authorize this. I have recording to back this up. I was not allowed to use my cards. Later on I received two letters from U.S. Bank stating both of my accounts were closed. When I called U.S. Bank a representative stated both accounts were closed, but someone at the Bank reopened both accounts a few days later. For their I apologize they offered me {$50.00} reward card. I explained to them I did not want it. They tried to force me to spend it and I said no. I found out today, XX/XX/2022 someone added money to my rewards account of {$50.00}. I explained to U.S. Bank I did not want the money because they were trying to bribe me. Also, because of tax purposes, I did not U.S. Bank illegally adding and deducting money from my credit card accounts. XXXX has been illegally tampering with my accounts, and it needs to stop.
Complaint sub-issue: Indicated you were committing crime by not paying debt

XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I visited location after receiving a bill. Employee, told me that I had purchased a tablet on my account. I never purchased a tablet, then he said it was a lab top, I never purchased a lab top. He did not show me the alleged receipt or my signature for this item. I made numerous telephone calls to XXXX, I was treated badly, left on hold for hours. Desperate I contacted the XXXX, as a result a man who stated he was from XXXX called me, tried to speak to him, but he was threating me, he was very nasty and rude. Never heard from him again. As a result they placed on collections for XXXX something I do not owe. I disputed this item on my credit report 3 times already, it was removed deleted all 3 times. However it was placed on my credit report again. I contacted the collection agency, AFNI, INC XXXX. XXXX XXXX XXXX, IL XXXX, spoke with XXXX, explained this collection is not accurate not mine, it has been removed and deleted 3 times. She was very stern and short, accused me of not contacting the police for identity theft. I told her I contacted the XXXX, after I tried to resolve with XXXX. She said she didn't care, this item was not sold to the collection agency, she stated it belongs to XXXX, and they can do what ever they want! She also threatened me by saying it was going to start being on my credit for 7 years. I told her that I was going to contact you the CFPB and she stated " you can contact who ever you want, but until you have a police report there is nothing you can do. She demanded that I provide them with a police report, wanted my home address and telephone number. She stated she would mail me paperwork to fill out and an affidavit. I currently live with someone who is battling XXXX, I'm limited to time, and the outside public exposure, I'm desperate these people wont leave me alone. I'm really hoping you can help me. I also contacted XXXX  to let them know they helped me dispute this item in the past, they know this item needs to be deleted. Why is it still in my credit report? I filled out a dispute with XXXX.
Complaint sub-issue: Debt was paid

Dyck-O'Neal, Inc. filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims.

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over

1000 fraudulent debt collection cases. I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and
the subsequent actions filed by DYCK using obvious fraud documents.
Complaint sub-issue: Problem with customer service

My second submission of my application was denied by XXXX XXXX on XX/XX/XXXX. My credit score was in great shape after my first submission of all required documents in XX/XX/XXXX where I didnt have my mortgage yet nor did I apply for any student loans yet, but my loan servicer American Education Services ( AES ) & XXXX XXXX declined my 1st submission without adequately contacting me directly to let me know there was an issue with one of the copies I faxed since they claimed recently that it was illegible. However I have a confirmation page with screenshots from the fax machine that I used the first time to prove that AES equipment ( fax machine ) was faulty back then. I thought this was settled since my first submission because I was not contacted directly given the fact I have followed up with AES right after my first submission over the phone. This caused my brother a higher interest in his business loan because of your negligence in maintaining your fax machines. Now, the second time I had to resubmit my co-signer release form after I just got a mortgage, andapplied for few student loans for graduate school where my credit score is not as good as it used be  in XX/XX/XXXX when I did my complete first submission. AES is very negligent along with XXXX XXXX, not appropriately contacting the customer via the phone or direct email on a timely manner, which caused my co-signer extra financial burden in his business decision making! XXXX XXXX did hang up the phone on me twice when I tried to explain the issue at hand! When I met the minimum credit standards in XX/XX/XXXX, I never received follow-up or update after my submission. When I resubmitted the second time in XX/XX/XXXX, I received a letter from XXXX XXXX denying my request due to not meting the minimum credit standards. I called their dispute center as indicated on their letter attached below, and I got hung up on twice. Funny business. I will also seek legal advice regarding this matter if I have to since my credit history and my fax confirmation page & documentation are in my favor in this matter! Both XX/XX/XXXXXXXX and American Education Services have more than 300 verified complaints due to their malpractices towards consumers in the following links : XXXX XXXX XXXX XXXX XXXX XXXX There is a a need for regulators to crack down on fraudulent negligent firms like AES and XXXX XXXX .
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$3600.00}
Complaint sub-issue: Contacted me after I asked not to

I have a judgement against my ex husband on XXXX bills that still show on my credit score. How can I get this off my credit score and on his???
Complaint sub-issue: Frequent or repeated calls

Sears wrote to me and said my credit card could be closed due to non-use. I used the card for small purchase of {$1.00} for website domain, {$9.00} for an event and {$14.00} for XXXX XXXX vitamins. These charges were authentic and have been paid for. However, recurring monthly charges of {$14.00} were showing up for web hosting that I did not order through XXXX. I disputed the charges online and Sears says they credited the account once for {$14.00}, agreeing to my dispute. I was transferred to place a block on the recurring charge. I spoke to XXXX. I asked for a new card with new # 's and exp. date, but was turned down on XXXX. I was to be emailed a new status of my account with the credits applied and recurring charges to be blocked. My account would then actually have a credit. However, I am now receiving around 25 phone calls since XXXX that I need to call them back. I have actually received more calls than this, but this is just since I wrote the " cease and desist '' order. This was after I faxed a notice on XXXX to them to stop harassing me and not to call the house. I received confirmation that fax went through. I then followed up with a letter to Citibank to block the account and shut it down. Instead of replying to that letter directly, Citibank sends me a letter on XXXX asking if I'm having financial difficulty and threatens to ruin my credit with an amount due of {$36.00}. On XXXX it is now over {$75.00} sent by email. On XXXX I get a notice from credit karma that my credit rating has changed - it has dropped 180 points because Sears has reported the disputed charges as late payments. Now I am having a problem logging into the Sears card account to check the account status. I can see why the Sears company is in danger of going out of business forever!
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and found the following item ( s ) to be in error, also the below are against to the law FCRA
Complaint sub-issue: Problem with fees

Citi Bank posted my payments 16 to 25 days after they were mailed for the months XXXX, XXXX, and XXXX of 2021 ; previously, they were posted 6-9 days. They charged me late penalties and interest, waiving the first assessment for the XXXX invoice after I complained. 

I subsequently complained in writing, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, about additional late fees and penalties, including late fees and penalties on contested amounts, noting the previous posting history and noting that other creditors to whom I mailed payments at the same time posted those payments in 5 to 7 days. Citi then waived the remaining fees and interest but reported the delinquency to credit reporting services, which resulted in a XXXX point and two rating category drop in my credit score from an " exceptional '' XXXX to a " good '' XXXX, now adversely impacting my ability to get a housing loan. 

I asked for proof of late payment in light of my evidence of timely payment. Today, in a phone call which was recorded, the Citi Executive Response Team from the Office of Citi President and CEO XXXX XXXX told me I'd have to get a subpoena for that information. 

I went to the Citi website to get a copy of the card holder agreement but was informed I had to request a copy online that would be mailed to me in 7-10 days. I requested it online but never received it. I then again asked for a copy of the agreement in writing, to which the Executive Response Team stated they would mail it to me in 7-10 days. I have yet to receive it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed my credit report and Equifax and XXXX  hasn't remove unauthorize inquiries on my credit report. 

XXXX XXXX XXXX and XXXX XXXX was authorize in writing by me as I signed documents in person at business establishments. 

Equifax and XXXX and credit companies doesn't have no written document of my signature of Authorization to pull my credit. I don't provide verbal consent or authorize online, on the phone. 

I am a Citizen XXXX Lifetime, Retired and a XXXX XXXX XXXX Military Veteran. 

Also add my former employer on my credit reports. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CaliforniaXXXX XXXXXXXX email : XXXX I retired on Lifetime XXXX on XXXX XXXX. 
I was employed at XXXX XXXX XXXXXXXX from XXXX XXXX till XXXX XXXX. 
Thank You for my accommondation of my XXXX XXXX Act under Department of Justice. 
With Honor and Respect Always!
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to again assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please delete the following items listed below in my personal file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I got my credit ran today XX/XX/2020 at the XXXX dealership because I am trying to buy a new car but I did not get approved for the loan due to having accounts in negative standing on my credit report. I looked through each of those accounts myself and none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these accounts. I have no idea who could have stolen my personal information to open these accounts but I have already notified the companies as well as filed a police report.
Complaint sub-issue: Information is not mine

In XX/XX/2015 I noticed an unknown entry on my Equifax credit report from a " XXXX Collection Service '', which also goes by the name " XXXX '', Acct # XXXX. On XXXX, I sent a certified letter, was received on XXXX, requesting validation. I did n't get a response at all. In a letter sent XXXX, I disputed the above tradeline with Equifax. In a response dated XXXX, Equifax " Verified '' the entry.
Complaint sub-issue: Account status incorrect

From XXXX to now I have been in contact with XXXX XXXX XXXX XXXX letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in XXXX  and they vowed to help me but as soon as I left the military in XXXX XXXX XXXX XXXX XXXX repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with XXXX XXXX for almost 20 years and to get this type treatment is unsat.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Received bad information about your loan

I have been a customer of XXXX for many years. I've never been late on one payment. They failed to process my annual income certification for IBR, which created a cascade of problems. Most recently, the company has reported my account as " Payment Deferred. '' I never once have requested a deferment or forbearance. As a result, my credit score has decreased. The company is so bad at addressing problems that itself has caused. I've had no less than 10 separate calls to customer service reps who have never been able to fix or address any issues - and in fact just create more problems. Now, my credit is damaged because of something the company did without my consent or request.
Complaint sub-issue: Card was charged for something you did not purchase with the card

in XX/XX/2018 Discover called to set up a payment arrangement for Discover card they told her that the charges were right at {$2500.00}. After doing some investigation we discovered that that was not the charges that I have made. My total charged on the account were less thaN {$700.00}. I submitted bank statements, police report, statements from the bank of the fraudulent account stressing to the fact that I did not have, nor had I ever, had an account with that bank, however the fraud department of discover card services section of chose to hold me liable for the charges on the account saying that since they had previously received payments from my XXXX account that the other account had to be mine also. They did not, per their representative, did not investigate the fraudulent bank account, they did not contact the merchant where the fraudulent charges were made, they did not except the police report and they did not remove the fraudulent charges. Discover did not do anything to resolve this issue, or too verify any of the evidence submitted.
Complaint sub-issue: Company closed your account

I got a Discover Secured Card for {$1000.00} I had it for 6 months! I had applied for a non secured and got approved but they wanted me to grant them permission to go through my taxes and IRS personal information! I declined - do they closed my secured card which had NOTHING to do with my new application for non secured! They have my money, and have hurt my score I have been building up this whole pandemic! How dare them I did nothing wrong! The card was opened 6 months but when I tried to get a card no secured they hurt my secured??????? They are backwards! Only company asks for IRS permission. They need investigated!
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner.
Complaint sub-issue: Information belongs to someone else

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again