Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

Good Morning, My Name is XXXX XXXX. I been having a problem with Macys due to a cashiers check. I took out a consolidated loan from Credit Union back in XXXX of XXXX one of the checks i received was for Macys in the amount of {$310.00}. I went to the actual store in XXXX Tx to give them the check in which they took ad also received a receipt stating the payment was received. Within a couple of weeks the credit posted to my account, i later verified that the payment was place back on my account. When i called the agent on the line advised me that no payment was ever made so they made me send over proof. I was able to get proof from my bank and had that sent over to them. I waited a while before calling back again and they advised me the information sent over wasnt enough proof so we sent over the actual check where it was showing cashed front and back. They told me to wait for someone to call me but they never did. This was going on for months. It has already been over year dealing with Macys and nothing has been resolved they just keep sending me back to the bank. I spoke with multiple supervisors and managers and no one was able to assist further. I spoke with Credit Union and they gave me a letter head stating that the check was cashed on XX/XX/XXXX, i sent proof of the check front and back and also of the letter in XX/XX/XXXX we just called Macys again since we never received a call about the information we sent and got to peak with an agent in which we escalated to a supervisor due to the timeframe. We spoke with XXXX ID # XXXX Who was very RUDE. Kept speaking over me, and by shutting me up she placed me on hold for over 15 minutes. My wife took over the phone and asked to speak with someone above her and kept denying her the right to speak with someone else and was getting an attitude. When we advised we were going to place a complaint she said its fine like she didnt care. We have been dealing with Macys for over a year with sending multiple proof/calling more than 15 to 20 times to try and get a resolution since were not only paying for interest with Macys but also interest from our bank. I been patient enough for one year and been dealing with alot from them including twice now they are saying i am past due when i am not since the payment was made and the check was cashed. Not only do i like to place a complaint, but i feel that i should be rewarded for the incompetency of the company not willing to assist me when i been a client for multiple years, but also for my time of all the calls i have made, all the faxing and all the fees, and interest i was being charged for.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my Credit Score not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. 

Spoke to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXXXXXX XXXX and she would call me back when she hears back from them, approx. in XXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXX XXXX but never received any response till date. 

Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX 

Call was transferred to the XXXXXXXX XXXX and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct amount.
Complaint sub-issue: Information belongs to someone else

Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Complaint sub-issue: Deposits and withdrawals

I used a CitiBank account while I did My XXXX XXXX at XXXX. I left XXXX $ deposited in that account now CitiBank says that they closed the account and they were not able to locate the funds, these were my savings.
Complaint sub-issue: Debt was result of identity theft

DiscoverBank at XXXX XXXX XXXX XXXX, DE XXXX has been sending me collection notices in the amount of {$2500.00} the collection has been reported as a past due balance. I do not know this company i have never done business with this company. this company does not have a contact with my signature. 

The Discoverbank account number on my credit profile is XXXX****. Also the open dates of this account is different between the credit bureaus showing an open date of XX/XX/2014 with XXXX and XX/XX/2014 with XXXX. the mere fact alone that the open dates of this account is different and needs to be removed from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recognize account or inquiry
Complaint sub-issue: Card opened as result of identity theft or fraud

On XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I had NO IDEA why. I did not apply for credit, housing or employment anywhere. This was fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX During the past XXXX XXXX months XXXX Commerce Bank XXXX XXXX has promised and promised and promised to REMOVE THE CREDIT INQUIRY they put on my credit file XXXX XXXX XXXX. But it is still there as of today, XX/XX/2022. I have attached two letters from COMMERCE BANK XXXX XXXX saying they will remove the inquiry but nothing has happened. I don't know why they keep promising to remove it but fail to do so. 

What should I do besides submit more complaints!?! 

Thank you.
Complaint sub-issue: Right to dispute notice not received

Equifax and XXXX conspire together trying to collect DOUBLE of an ALLEGED debt!!! 

XXXX XXXX XXXX {$4400.00} {$4400.00} XXXX accounts reported on XX/XX/XXXX XXXX accounts reported on XX/XX/XXXX Open Account # XXXX {$1000.00} Balance XXXX XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note You recently filed a dispute for this account. 

Check Status Open Account # XXXX {$1000.00} Balance XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note See something wrong? 
You could dispute an error with Equifax. 

CAN I SEE THE PERFORMANCE CONTRACT WHERE THEY ALL CONSPIRE TOGETHER,?? WHO IN THEIR RIGHT XXXX MIND WOULD PAY THOUSANDS OF DOLLARS TO THESE XXXX CRIMINALS WITHOUT SEEING A VALID CONTRACT???? I NEVER SEEN SO MUCH XXXX IN MY LIFE!!!
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : DPT EDXXXX, DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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

Im a victim of identity theft. I have inquirys in my credit report I do not make. Please block these inquirys from my credit report because they are fraudulent XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX  XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX  XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

My complaint is regarding the Public Sevice Loan Forgiveness program servicer, Fed Loan Servicing at XXXX ( PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY ). I have been attempting to go through the PSLF process since XX/XX/2017 after making 10 years of on-time payments while employed with a qualifying employer. Because of the whole " qualifying payments '' misinformation, I was directed to the Temporary Expanded PSLF. I was also denied for this process, again, because I was given bad information by XXXX XXXX XXXX. The entire PSLF process is just a rouse. They make the process purposefully cumbersome and purposefully provide bad information so that they can perpetually deny the applications they receive. It was easier for me to purchase my $ XXXX house than get through the PSLF process. This program never should have been given to a private servicing firm outside of the DOE, and of course, now that XXXX XXXX is in charge of it, nothing moves forward to help student borrowers.
Complaint sub-issue: Other problem getting your report or credit score

EFFECTIVE TODAY ALL PARTIES LISTED MUST CEASE REPORTING ANY OF MY DATA IN DATA BASES, NO AUDIT TRAILS NO MORE CREDIT REPORTING AT ALL OR FACE A XXXX DOLLAR LAWSUIT.
Complaint sub-issue: Debt is not mine

I have never been with XXXX. All my phones have always been through XXXX.
Complaint sub-issue: Reporting company used your report improperly

The recent Equifax breach ( summer XXXX, reported XXXX XXXX XXXX means that my personal information ( along with that of XXXX XXXX other XXXX XXXX is now in the open. 

I never authorized Equifax to have this information in the first place ; by not properly safeguarding it, I am now at much higher risk of identity theft and fraud. I will have to take additional steps for many years to safeguard my finances, costing me time and money.
Complaint sub-issue: Received bad information about my loan

I applied on XXXX XXXX, XXXX to switch my repayment plan from XXXX to the new XXXX student loan repayment program. It is now XXXX XXXX, XXXX and they still have not completed the processing of my application. They have told me that so many people have applied to this program all at the same time, that it is causing them difficulty in processing applications in a timely manner. Apparently they are unable to service student loans in a fair and equitable manner. This delay resulting from their inability to accommodate the new laws creating a new repayment program is creating a hardship on me, as it is lengthening the amount of time I remain in debt and delays my final repayment date back as many months as they are unable to get me into the new repayment plan. I am also enrolled in the XXXX XXXX XXXX XXXX Program, so the " clock '' on my maximum 10-year repayment time span has essentially stopped, and now my final payment will be delayed by however many months that MY FED LOAN has been unable to completely process my application. In other words, my final payment ( # XXXX on time payment ) date will be delayed at least 5 months, and that is IF they can get me on the new repayment plan in XXXX XXXX, which seems doubtful given their track record of being unable to handle servicing student loans properly. If My Fed Loan is so ambitious to " service '' student loans, then they should be prepared to handle the influx when new laws create new repayment programs/plans. XXXX or 6 months delay may not seem like a lot of time given the 120 month repayment program of the XXXX XXXX XXXX XXXX, but I have been in the XXXX for 18 years ( repaying my student loans ) and I ca n't believe that the XXXX is not retroactive. Thank you for your time.
Complaint sub-issue: Billing problem

I have asked for a statement with my rolling balance due on two occasions now. Audi Financial has not complied with my request. My loan payment is on time and paid monthly but I can't reconcile my payments with my balance due. 

I made payments in the months of XXXX, XXXX and XXXX of 2021 for a total payment of {$1900.00} ( {$630.00} per month ) However my statement balance on the vehicle only went down {$460.00} dollars. I am NOT familiar with this math, my interest rate is 5 % so my question is where did the {$1400.00} in payments go? If not to pay off my balance and or interest? How does AF come up with their numbers. 

When pushed for a response I received a " shell game '' response to the effect of... well if this, then that and it depends on if you request the payment to go the loan or the interest or the next payment or, or, or. NOT acceptable.
Complaint sub-issue: Was not notified of investigation status or results

I have been working on my credit for over 6 months and still have unauthorized and unverifiable information on my credit report. This is a violation of my rights and should be removed immediately.
Complaint sub-issue: Was not notified of investigation status or results

3 months ago I sent a dispute letter for these accounts XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). XXXX/Equifax/XXXX are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Complaint sub-issue: Reporting company used your report improperly

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 
Please delete immediately
Complaint sub-issue: Problem during payment process

I refinanced my home in XX/XX/2022. 
I decided to pay off 4 of my credit cards. 
Bank A is XXXX Bank. 
Bank B is Citi Bank. 
Bank C is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 
Bank D is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 

The title company mailed me my copy of my new and notarized loan docs along with 4 checks made out to a specific bank- to pay off each credit card. 
[ 1 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank A for {$6400.00}. I added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 
[ 2 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank B for {$7700.00}. I also added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 

After a week I went on the banks website and noticed that the payment was not applied, I called my loan officer. I called me back and told me the title company has the cancelled checks from BOTH Bank A and Bank B. He sent my copies of both checks - then front of the check and the back of the check. He also gave me the date and time Bank A received and processed their check and the date and time Bank B received and processed their check. 
I called each of the banks customer service phone numbers and after talking to numerous people in each bank I was able to open a CASE regarding this issue of loss of payment and applying to my respective accounts ; thus I have Case XXXX with Bank A and a case XXXX with Bank B. 

Both banks promised quick service [ a lie ] ; Bank A gave me a conditional credit until this issue is resolved ; Bank B said that I will have to make a payment until this is resolved [ including added interest ]. 

Also both Bank A and Bank B told me this will be resolved within 2 or 3 business cycles. They DO NOT HAVE THE STAFF TO WORK ON MY ISSUE.
Complaint sub-issue: Funds not received from closed account

I opened an accelerated savings account at Citibank last summer. On XX/XX/XXXX Citi, without my knowledge and approval, withdrew all my principal and earned interest ( 0.5 % yearly ) and kept it all to itself ignoring my requests which started in early XX/XX/XXXX when I read my monthly statement and noticed this withdrawal. Finally, following CFPB inquires at my request, Citi used XXXX XXXX XXXX XXXX  on XX/XX/XXXX to send a check to me for the amount they withdrew on XX/XX/XXXX, ignoring the fact that they owe interest to me from that date ( XX/XX/XXXX ) to the date they decided to mail the money back to me ( XX/XX/XXXX ). It is a shame that a national bank such as Citi plays these little tricks on people trying to save relatively small amounts with them. They know very well they needed to return the money and delayed the return until I found the support of the CFPB and only after the CFPB asked them. Citi knows very well who I am because for years I have used one of their credit card as my primary one and never I have had any problems with my ID, payments and credit union account that I also use to open and feed the infamous Citi savings account I opened with them last summer. It was a series of mistakes Citi employees made that caused this problem and I, the client, paid the consequences so far. I would appreciate your help to get what is mine, the interest ( 0.5 % yearly ) not paid by Citi while they kept my money from XX/XX/XXXX to XX/XX/XXXX. Thank you.
Complaint sub-issue: Threatened to sue you for very old debt

I sent several letters to Hunter Warfield trying to find out what my balance is since XX/XX/2019 and they never responded to me. I as to make a settlement offer and they won't respond. I always have the Post Office to send it certified because they have been holding unto my checks until the next month. I sent a check back on XX/XX/XXXX it was cashed in XXXX and I sent another check for {$330.00} on XX/XX/XXXX and they still have not cashed my check. I tried contacting them to find out what my balance is and I get no response from the person that I need to speak with. As of today, XX/XX/XXXX, I am waiting for my check to clear my bank and it hasn't. I am trying my best to pay this account off, but I am getting bad results with speaking to the company and with finding out what my balance is. The letter that I sent with my XXXX payment, they responded and I am being charged {$100.00} interest with late fees and sending my checks in every month on time. Can you please assist me with these issues I am having with Hunter Warfield.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted documents of proof of payments and proof of merchants stating the accounts have been paid as agree and Equifax will not remove duplicate inquiries or collections that have been paid and or disputed. In turn for this reason they will not raise my credit score which is reflecting that I am a high risk or have a high number of unpaid accounts or late payments.. None of which is true.. I have not been able to get approved for a loan or I am only offered high intrest rates and I have to have my credit pulled in order to be reviewed which in turn lowers my score.. I have submitted request in wirting to all three angencies, requesting at least remove the duplicate hard inquiries from my report which should bring my score to at least 700-720 none of which has been done.. I have paid off loans and I also have a 21 % debt to income. I have lost grant money due to Equifax unfair and inaccurate reporting..
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Opened : XX/XX/XXXX Balance : {$1200.00}.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/18 I filed a complaint with the CFPB regarding the request for investigation I made with two credit bureaus, report # XXXX ( XXXX ) and XXXX ( EQ ). 

I received a response from the CFPB that despite multiple attempts on my part over the course of several months for Equifax and XXXX stalling that they would still be given another 90-days. Well guess what, today is day 90 and they have NOT responded or deleted the unverified information from my report. 

HOW ARE THEY ALLOWED TO DO THIS? I am again asking for your support in having this deleted. 

MAKE THEM COMPLY WITH THE LAW. I can't keep keeping up with this. I shouldn't have to. It's stressful and harming my score. If you can't make this happen what other government agency do I complain to? This is ridiculous at this point, they have not done a reasonable investigation nor complied in a timely manner!
Complaint sub-issue: Information belongs to someone else

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX