Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I submitted this complaint back in XX/XX/XXXXand never heard anything from CFPB. I even called on several occasions. 

In XX/XX/XXXX a Sears representative came to my house to do a presentation to install ( 6 ) windows ( 1 ) entry door and ( 1 ) patio door. The presentation went well and all the paperwork prepared and my credit was ran through their ( Sears ) credit company. Everything went through and I was told my monthly payments would be extended out to avoid hardship and the monthly payments would be some where around {$140.00}. The first bill came in at {$3900.00} no interest charged ; which was explained at the time of purchase ( XX/XX/XXXX ). Mine you the contract to purchase the windows and doors were {$13000.00}. The first payment paid was {$80.00} on the {$3900.00} which should have been applied to the first invoice. All payments are paid at the Sears store in XXXX, MD. The second payment made was {$280.00} and the third payment was {$270.00}. It 's a mess.The XX/XX/XXXX invoice came in with a payment due of {$370.00}. Without my knowledge Sears ran my credit a second time through Citibank. I was never told the first pull was unsuccessful. I was billed for two separate purchases when only one purchase was made. I tried talking to Sears and Citibank as I was willing to pay the {$270.00} a month but they did not want to hear that or negotiate a lesser payment. Citibank wanted their {$370.00} monthly payment. I called Sears and was told since Citibank had paid the purchase amount in full Sears had nothing more to do with it. They washed their hands of the situation. I think Sears goal is to reel in their consumers through their promotions, run the consumers credit through their credit company and even if the consumer is approved through their credit company Sears still will run the consumers credit through Citibank just to collect their payment in full. Sounds like a scam in a great disguise. Very, very, very unhappy consumer.
Complaint sub-issue: Need information about my balance/terms

In XXXX XXXX I signed up with FedLoan Help as part of the student loan forgiveness program. Each month they withdraw {$310.00} from my bank account. In buying a house I discovered none of the money has been reported and my Loan Servicer is still showing XXXX with my loan in deferment until XXXX XXXX. I can not reach anyone with FedLoan Help to receive documents or talk to anyone about my account. I get a message service that says they will pass on the message and someone will call me back. I called about 3 weeks ago and no one has called. I called 2 times today and still no returned phone call. I spoke with XXXX and they stated my accounts are still with them. I spoke with the XXXX and they show XXXX as my loan servicer. On my bank account there were ACH checks to show the money was with drawn and now there is an electronic Id to show money is being withdrawn.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking and saving account with Citi bank on XX/XX/XXXX. I was trying to fund it with {$15000.00} to be eligible for a {$400.00} bonus as part of a promotion that was running at that time. However, I could not create an online account because I was not mailed a pin number that was required. I called Citi twice regarding this but never received my pin, and during the last call the representative suggested going to the branch to fund my account. Since I am working I could only go to the bank on the following weekend ( more than 30 days past opening ) and the employee at the bank funded my account and told me I would still be eligible for the bonus and he would put in a special note since it was not my fault I could not fund it sooner.

I waited 90 days but never received the bonus. I contacted Citi via a help line and when they were unable to help, I went to my local branch where I was promised I was still eligible for a bonus. They opened a case ( XXXX ) for me and on XX/XX/XXXX I got a letter from Citi stating " We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. Please allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. '' 90 days from the date of qualifying transactions should mean 90 days from when I funded the account which was XX/XX/XXXX. But when I called Citi again, they told me it would take another 90 days!

So I waited another 90 days, for a total of over 6 months and have still not received my bonus. I have called citi again about not upholding what they stated in the letter, but rather than fixing the issue they opened another case ( # XXXX ) on XX/XX/XXXX and said it will be resolved and funded within 7-10 business days. So on XX/XX/XXXX I reached out to Citi via chat and they said they will contact their promotions department and I will hear back in 3 days.

Citi has continually failed to resolve this issue and keeps opening cases and routing to various departments with no end in sight. It has been over 180 days from when I met the qualifications for the bonus. I have an official letter from Citi stating that I would get the bonus within 90 days, so I feel this is clearly a breach of contract. Deal with Citi representatives on phone calls, going to the physical branches multiple times, keeping track of various messages/letters/cases has been extremely time consuming and a very frustrating experience. It is also financially difficult having to deal with this and maintain {$15000.00} with Citi for such a long time without access when I was expecting this only to last for 90 days. In short, Citi has failed to follow through what it has promised in their official communications and I feel lied and cheated to, with no avenue for resolution directly with Citi. I am therefore reaching out to CFPB to help resolve this and hopefully prevent other consumers from having to deal with these fraudulent and misleading tactics.
Complaint sub-issue: Application denied

I have applied for a Synovus Bank First Progressive credit card numerous times and each time, my application for credit was denied by Synovus Bank. Synovus Bank is discriminating against me and denying me credit due to my race, color and national origin. Synovus Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) under federal law 15 U.S.C. 1981.
Complaint sub-issue: Information belongs to someone else

I have a Bankruptcy report on my credit report. I don't have any idea about the Bankruptcy report. That report DOES NOT belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, we paid {$610.00} for a sailboat charter with XXXX of XXXX XXXX that we were taking during a trip in XXXX of XXXX in Florida. That trip never happened due to COVID. At the time, the company said they were really struggling due to all the cancelations and gave us a voucher to come back again. We were hopeful that we could make it, but when it became obvious that we simply would not make it back to Florida, and that we really needed that money back, I emailed the company to ask for a refund. The owner emailed me back and said " I will get with XXXX and see what we can work out. '' This was the last I heard from him. He did not reply to any emails through XXXX, regular email, and never answered the phone when I called. 

I filed a dispute with Discover on XX/XX/XXXX. They reversed the charge while they investigated. On XX/XX/XXXX, they closed my case and did not honor the dispute. I recieved an email saying : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. 

When I called to ask why they did not find in favor of me, they said the company did not respond to their request for documents and for their side of the case. They did not answer any calls or respond in any way. It seems that a company simply just has to not respond and Discover will find in their favor. I have been a Discover customer since XXXX over 20 years. There was no consideration for me at all, they just said that since the company did not respond, they can not find in my favor. I understand it needs to be a process, but this does not seem fair. I am the owner of a small business and sometimes we get credit card disputes, but we always have to respond. There needs to be some protection for the consumer and the business. 


Please see attached numerous emails sent to XXXXXXXX XXXX XXXX  XXXX with no response. I know they are still operating as I can see this on XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied on apple for a credit card that says it will not affect your credit and only do a soft pull not a hard inquiry. The card lives in your wallet however its issued XXXX XXXX XXXX. 

In the agreement it says you have to accept the card before they do a hard inquiry. I never accepted or was offered the oopourtunity to accept by email, phone, or any kind of XXXX XXXX XXXX told me they agreed and on XX/XX/2023 today theory would tell the credit bureaus thatbIn did not accept the card there for they cancelled the card and agreed. 2 days ago I received an email from XXXX XXXX saying after they didc their research just the applying counted as accepting the card. Please visit the XXXX  site or I can send pictures with both the statement about no affect to my credit score and that I had to accept the card before they would do a hard inquiry which they didn't. I DID NOT ACCEPT ANYTHING
Complaint sub-issue: Problem with customer service

I contacted MOHELA on XX/XX/XXXX to request a refund of several payments I had made during the pandemic pause. Some of the payments were made through XXXX XXXX because the loans had been transferred to MOHELA in XX/XX/XXXX. MOHELA stated they will submit the request to refund these payments. I received a refund on XX/XX/XXXX for the payments I had made to MOHELA but not the payments I had made to XXXX XXXX. I contacted MOHELA again on XX/XX/XXXX. I waited on hold for over 3 hours and was then disconnected before I could speak with a representative. I then sent MOHELA a message via the website on XX/XX/XXXX and as of XX/XX/XXXX still have not received a response. I called MOHELA again on XX/XX/XXXX. The representative let me know that MOHELA had contacted XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX but had not heard back so I need to keep waiting. I called MOHELA yet again on XX/XX/XXXX as it had been over 8 weeks since my refund request and spoke with a representative that could not answer my basic questions. 
She told me it could be up to 60 business days now or potentially longer for the payments to be refunded. When I asked her to send another request to XXXX XXXX she told me she would but then hung up on me and did not attempt to call me back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for XXXX credit card for XXXX XXXX surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.
Complaint sub-issue: Debt was result of identity theft

EQUIFAX has been made aware i have been a victim of identity theft and refuses to remove accounts that i have no knowledge of both Accounts - XXXX
Complaint sub-issue: Investigation took more than 30 days

On  XXXX   XXXX ,    2017, I s ent a certified letter  to PNC Bank re questing proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing  XXXX  that the debt has been disputed. Note : This certified letter was signed for by PNC Bank on  XXXX   XXXX  , 2017.    On  XXXX   XXXX ,  2017, I pull ed my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,  2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 after th ey signed for the certified letter on  XXXX   XXXX ,    2017 an d the information has yet to be updated to claim I have disputed this debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed unauthorized inquiries on my credit report. My social security number was use for personal gain. 

According to the FCRA { Fair Credit Reporting Act }, legally these unverified and unauthorized item Must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2021
Complaint sub-issue: Account status incorrect

XXXX debt with XXXX  XXXX  XXXX  account was paid and agreed to be deleted from credit reporting agency. 

Collection was never deleted only updated to XXXX balance
Complaint sub-issue: Information belongs to someone else

I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Complaint sub-issue: Reporting company used your report improperly

I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks
Complaint sub-issue: Debt was result of identity theft

DSNB/Macys is reporting a debt that is not mine. It is a fraudulent account opened by someone else using my information without my consent. I have requested information on numerous occasions and nothing has been furnished to me although they continue to " verify '' the account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged full amount for delivery of items that I received incomplete. XXXX alleged that I received them but I notified to them by email and phone about the problem. 
The delivery company left the items on the front door due to the COVID-19 but they were incomplete. I agree to pay the delivery charges but I received them incomplete so I should be charge for the ones I received. Citibank did not considered the reasons for my dispute and accepted as good their side of the story. 

XX/XX/2020 XXXX XXXX XXXX XXXX {$83.00} Purchased On XX/XX/2020 Posted On XX/XX/2020 Category Merchandise - Furniture, Home Furnishing / Equipment Merchant Country Puerto Rico
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I visited XXXX XXXX, XXXX XXXX on XX/XX/XXXX-XX/XX/2018. On XX/XX/2018 my account info was hacked/stolen. I wasn't aware until my return on XX/XX/XXXX that my PNC account was compromised. I contacted the bank, that day, filed a claim, and requested a new card. I contacted PNC again on XX/XX/2018, because 1. I have heard nothing else about my claim 2. I have not received my new card. 

It was then that I was advised by the claim specialist that my file was closed because it has been determined that I was responsible for the charges. When I asked the person how that determination was made, I was advised that because I purchased a plane ticket to XXXX XXXX prior to this incident, and the card was present, I was responsible. I advised the rep that I travel all of the time, this has never happened, and as they can see these transactions ( 2 separate ) are not normal for me, and that the 2 transactions, same day, same location for {$26.00} and then {$870.00} should have been a red flag. I offered to provide documentation from other card providers who sent a tex/email then declined charges once unable to verify. The end resolution was the rep advising me to open a new claim-and wait another 10 days.
Complaint sub-issue: Fraudulent loan

I purchased a car from carvana XX/XX/XXXX and was driving the vehicle with temporary rages until XX/XX/XXXX. I filed a complaint with the attorney general inquiring about my tags and the next thing I know is I get a call from XXXX with Carvana and she said they want to pick up the vehicle because there is an issue with the title, meaning they sold me a car without getting the title. They picked up the vehicle and said I can buy another car from them but have to apply for a new loan and the terms of the new loan will be offered, not the terms of the loan when I purchased a car initially, which was XXXX down. Due to their negligence I had to purchase another car and pay {$2900.00} down payment with XXXX. Carvana refunded me the payments I made on the vehicle, which was my money I paid on a car that had registration issues all along, I was sold a car in bad faith. I also had to pay insurance on the vehicle that had registration issues all along. Id like to request compensation for the down payment I had to pay on another car due to their negligence plus reimbursement for all of my insurance payments, which they neglected to reimburse me, a total of {$1300.00} in insurance payments for a car that they took back and never offered registration for. Total compensation is {$4200.00}.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent in letters disputing inaccurate information on my credit reports regarding late payments, charge-offs, collections and inquiries. On XX/XX/2021 I sent in another set of certified letters to the bureaus but it has been 70 days and I have yet to receive a response from them. These accounts are false and misleading which has caused me to have XXXX XXXX XXXX XXXX!! They are purposely delaying their response and they don't care about my situation! I need help and they are in violation!
Complaint sub-issue: Account information incorrect

I paid off an account in full in XX/XX/XXXX and it is still not updated with a XXXX  balance and stated closed. I have disputed this account several times also since. No outcome
Complaint sub-issue: Problem while selling or giving up the vehicle

Completed a 30 month lease with Audi Financial Services for a 2016 XXXX XXXX. 

Lease was fully paid, on-time and never late once through VW Credit ( XXXX XXXX ). 

A few days prior to the lease turn-in date, the car was impounded by the Police. 

I was unable to return the vehicle on-time and XXXX put a {$39000.00} hit on my Credit.

The vehicle was recovered by XXXX and they are in possession of the Car now. 

The pending court case got dismissed and XXXX ( VA ) County is liable for damages. 

After numerous calls with XXXX ( VW Credit ) and the Credit Bureaus this amount is still fraudulently being reported on my Credit report, dropping my FICO score by over 100 pts. 

The only charges I am responsible for are Mileage, Wear/Tear, and Deposition Fee. 

This compliant is to dispute this amount with the FTC as Fraud and Inaccurate.
Complaint sub-issue: Can't temporarily postpone payments

A few months ago, I called FedLoan Servicing 's customer service line in order to request deference of my existing federal student loans. I received three seperate student loans in XXXX, XXXX, and XXXX, respectively. FedLoan servicing 's CS representative told me that I was in " good standing '', and that my deference had been approved. However, FedLoan claims that this never happened, and they listed my loan as " delinquent '', sending it to the Department of Education. When I called FedLoan to resolve this, they repeatedly denied any responsibility, and told me " we can not help you any more, your loan has been transferred ''. The customer service for FedLoan was uphelpful and abyssmal, rude, consistently wasted my time, and treated me in a very callous and uncaring way, and the FedLoan supervisor did nothing to alleviate the situation.
Complaint sub-issue: Information belongs to someone else

I have given my correct address information numerous times in writing, online, and verbally with supporting documentation ( drivers license, utility bills, and bank statements ). Equifax continues to remove correct information from my report and replaces it with incorrect address information.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX-XXXX-Balance : {$5600.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance XXXX {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened XXXX XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT  ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance XXXX {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened XXXX XX/XX/XXXX DPT ED/XXXX-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance : {$550.00} - Date Opened : XX/XX/XXXX