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

I submitted an application for the XXXX on XXXX XXXX. I uploaded my past and current employer. My current employer wasn't coming up under the database online, so I had to enter my current employer manually. I have been employed with a governmental organization since XXXX of XXXX. I was told that I needed to provide documentation from my current employer stating that they are a governmental organization and that they are tax exempt. I provided this information in XXXX. I have been constantly calling Mohela and have been placed on hold for hours before being able to speak with a representative. After finally being able to speak to a rep, I was told back in XXXX that my current employer had been verified as being a eligible employer, but after receiving my letter from Mohela it stated that I am eligible for XXXX payments but I have only been approved XXXX payments and that XXXX payments need employment certification. So, I contacted Mohela again after receiving my letter and told the rep that I was told back in XXXX of XXXX that my employer had been verified as a governmental agency. I was told by the rep that it had not been verified and that it is still being processed and it can take up to 90 days. I called back in XXXX of XXXX and was still told the same thing. I called back today, XX/XX/XXXX and I was told by the rep that it's still being processed and that it takes XXXX business days. At this point I'm irritated because you have to listen to a million prompts before even being transferred to the department you're needing. Then you have to wait on hold for hours before getting a rep on the phone. So, I finally had a lady to pick up today and after she told me that it was still being processed, I demanded to speak with a supervisor because I wanted to make a complaint because I feel like my case is not being handled seriously and that I'm being given the run around. She placed me on hold for a while and finally came back to the phone and said that she was transferring me over to her supervisor. That was over an hour and XXXX minutes ago and I'm still on hold waiting for a supervisor to pick up. This is absolutely ridiculous!!! No one should have to file a complaint in order to be taken serious. I have about XXXX coworkers who have been told the same thing that I have been told. It should not take this long to verify an employer. It has been almost a whole year. I feel that all governmental organizations should be updated in the student loans.gov database so no one have to go through this and wait this long. At this point I should be close to having XXXX eligible payments in order for my students loans to be forgiven.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - XXXX day delinquency reporting XXXX XXXX XXXX - XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have credit monitoring through XXXX XXXX and XXXX XXXX. I was notified of a new inquiry on my on my Equifax report for XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX, for a XX/XX/XXXX credit card. I contacted Equifax to dispute the inquiry as I did not apply  for a XX/XX/XXXX credit card or authorize the inquiry. Equifax investigated the inquiry and decided that the inquiry was factual. I also contacted Target and information used on the application were both old and false. I am unhappy with the decision made my Equifax to leave the inquiry on my report because I dont believe the investigation could have been that thorough if they couldnt decipher between current and accurate information and old information.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is again reporting on XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX product XXXX XXXX  loan # XXXX as XXXX days past due to XXXX, XXXX, and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 a section 2also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Problem accessing account

i was granted by the XXXX County court, XXXX CO Magistrate the Guardianship and Conservatorship to my sister. i was already her POA i contacted the bank to get access to her account/s. i could only talk to the branch where she opened the account, which is very odd. 
after many calls and messages left to the branch manger, they called back confusion of what exactly they requested. Branch manager kept adding in more documentation. because i was out of state i was told i needed to come in person and have papers with. then because i was out of state i was told to have the POA checked by an attorney including a notarized letter stating they were not tampered with. ( i did ) I always had to call and see if the UPS was received with docs, only received XXXX calls. i called expedite team, i filled with the XXXX and because of a her going into the hospital the case was closed... it goes on and on here 's the problem with our financial institution. FDIC too how can they overrid branch manager could of emailed me a list instead of me trying to track her down for answers. 
..since XXXX of XXXXalways in a meeting, out of office
Complaint sub-issue: Trouble with how payments are being handled

- I refinanced my XXXXMohela loan with XXXX/Mohela in XXXX for a lower interest rate. I submitted all paperwork and continued to make monthly payments. 
- Once the refinance was complete, I continued to send in payments on the XXXX and XXXX of each month to satisfy the amount due. I have been doing this since I began working with Mohela. You can look through all past payments and I have never been late. 
- The due date was changed when the loan was refinanced. Because I was making monthly payments in the same month they were due, I did not see this as a problem. 
- I noticed an amount due that was growing even though I had been paying on time. 
- I called XXXX Mohela and they explained that since my bill had not been issued for the month yet, the payments I was making on the first of the month did not count for that month 's balance due. 
- This was especially problematic because I often make my largest payment on the first. 
- The month of XXXX now required a $ XXXX payment. I was not able to make a full payment until the end of the month as I needed both paychecks to cover the bill. I arranged for payment through my bank on XX/XX/XXXX. 
- THIS DELINQUINCY WAS CAUSED BY THEIR OWN BILLING METHODS. 
- On XX/XX/XXXX the account was reported delinquent to credit agencies, even though the full payment had posted. 
- On XX/XX/XXXX the account was reported again as delinquent even though the account was in good standing. 
- I have not received a call back on this as promised and could not even be transferred to a supervisor today ( XX/XX/2022 ) When I originally called, I was told that there would not be any reporting to the credit agencies, which obviously is not true. I want the negative reports made to the credit agencies removed. This has brought my credit score down significantly.
Complaint sub-issue: Investigation took more than 30 days

This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.
Complaint sub-issue: Account information incorrect

XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it being late after the two months had passed. The first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Complaint sub-issue: Fees charged for closing account

US Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX We have had a Partnership CD and checking account with US Bank since XX/XX/XXXX. As of XX/XX/XXXX the Real Estate Partnership has been broken up and the " Security Deposits '' for our tenants must be dealt with. 

The CD was rolled over on XX/XX/XXXX for a period of 11 months ( @ the rate of .005 % ) and has been rolled over for many years. With the partnership breaking up the CD must be terminated and the deposits rolled into the new owners account. On XX/XX/XXXX, I ( XXXX XXXX ) went to the bank to terminate this CD. This CD generates approx. {$34.00} per month in interest. The penalty the bank wishes to charge is {$270.00} plus a {$25.00} fee. 

The total amount earned for 7 months would be approx. XXXX. Is it legal to take away principle as part of an early withdrawal fee??? 

We all know that dealing with the Stocks Market your principle is at risk, but never thought nor was it ever disclosed that principle is at risk with a CD insured by the FDIC. 

Thank you, XXXX XXXX
Complaint sub-issue: Account information incorrect

Please CFPB transfer the documents to Nelnet. Thank you!
Complaint sub-issue: Account information incorrect

Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights
Complaint sub-issue: Attempted to collect wrong amount

In 2017 I went in person to an XXXX XXXX XXXX store to close my month to month account and I paid off the remaining balance, I was told that my account was now closed. My service at home was off and I joined a new internet, phone and cable company since. 

Now my credit is being hurt by 3 collections with different account numbers stating that original creditor is XXXX XXXX XXXX. I never received any notifications from this collection company, and when I called, now that I saw them in my credit report, I was was told that they had an incorrect address on file. My credit is being damaged by these charges for a service I never received.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

Unable to use XXXX to save money via PNC bank due to a new change
Complaint sub-issue: Public record information inaccurate

I recently viewed a new copy of my credit report and Equifax is reporting public record tax lien XXXX on my credit report. This tax lien does not belong to me. This public record has never appeared on my credit report. I am already upset and bothered that my personal information was compromised due to the recent Equfiax breach. Now it seems that Equifax is in the habit of reporting public records that do not belong to me and these erroneous accounts are hurting my credit scores. 

According to the new rule set forth as of XXXX XXXX, 2017, all public records/tax liens must show verifying information. This tax lien XXXX does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX and Equifax after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on XXXX is XX/XX/XXXX.on Equifax and XXXX  IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX XXXX XXXX who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm entitled to accurate reporting by law.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I noticed a {$250.00} charge on my Citibank XXXX that I did not authorize. 
Nor did I recognize the XXXX - XXXX XXXX- which appears to be a chain of hotels. 
Since I did stay at any hotels, or reserve any hotel rooms, I realized that this must have been a fraudulent charge & notified Citibank immediately ( on XX/XX/XXXX ) by phone. 
They advised me that it would take a week or so to investigate & reverse this charge. 
I then followed up XXXX  to check on the status of their investigation and was advised " it was still under investigation ''. 
It seemed as if nothing was being done at all and this fraudulent charge is still on my Citibank account. 
It is now XX/XX/XXXX - over XXXX weeks that I notified Citibank about this charge hasd nothing has been done.
Complaint sub-issue: Investigation took more than 30 days

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. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX  XXXX, 2019, DT CREDIT add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Investigation took more than 30 days

I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

US Bank sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to XXXX on XX/XX/2017 they have responded with the account was updated Not removed.
Complaint sub-issue: Problem with fees

Hi I accepted the offer with the citi XXXX XXXX and was charged a {$550.00} annual fee. That fee covered admirals club along with other benefits from XXXX. All of those benefits stopped or were significantly reduced. I asked for a portion of the fee to be credited and citi said they could only do this if I renewed. But the harm has already been done. They refused to issue a credit. Please help.
Complaint sub-issue: Public record information inaccurate

A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed XXXX disputes in the past with both credit reporting agencies.
Complaint sub-issue: Unable to open an account

I am seeking help to rid my credit report and my early warning consumer services account of fraudulent accounts. Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, Branch Banking & Trust and XXXX bank have been made in fraud. I am currently contacting each bank but unable to come to resolutions concerning the identity theft. Attempts have been made to open a bank account from numerous banks that I have not authorized. I have completed several police reports and have made a identity theft report as well. 

XXXX county Sheriffs office identity fraud Reference # XXXX. 
Identitytheft.gov reference number XXXX
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Information is missing that should be on the report

This inaccurate entry on my report is illegally reporting and does not belong to me. Equifax is not providing any identifiable information on who this company is nor are they providing any contact information so that I may attempt to communicate with the company to dispute the inaccuracies of these 4 entries. REMOVE THESE ENTRIES IMMEDIATELY AS EQUIFAX IS VIOLATING MY CONSUMER RIGHTS. I have no recollection of ever owing these alleged debts. If Equifax were following the mandates of the FCRA and ACA, then the company would be identifiable and the company would be able to provide proof of all HIPPA information whereby I gave the alleged medical company permission to allegedly share my information with the collection company as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter this company should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, they are unknown, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt as well as provide a dunning letter to me informing me that they were attempting to collect a debt on behalf of whoever the original company/creditors. To date, I have received nothing.

DELETE THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES IMMEDIATELY!
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account with KeyBank on XX/XX/2022 using the {$200.00} welcome bonus offer. I completed all the requirements and should get my bonus within 90 days. But I haven't gotten the bonus yet. I called customer service and they told me I should get my bonus on XX/XX/2022. I called the customer service again on XX/XX/XXXX and submitted a Ticket. The customer service told me that it would be resolved within 10 days. But it has not been resolved yet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon conducting a personal credit reporting review, I noticed that a company named EQUIFAX MORTGAGE SERVICES conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage.

EQUIFAX MORTGAGE SERVICES conducted unauthorized credit check for the following date : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Complaint sub-issue: Company closed your account

Citi sent me a letter and fraudulently closed my credit card account that I have had since 2012 stating I was not using the card as intended. I am the original creditor and was using the card as intended and am very distressed that the card was shutdown.