Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees charged

I purchased a vehicle that was per-ordered approximately 9 months ago from XXXX XXXX. When you pre-order you select the model you want and you agree on a price. Everything is streamed-line and done electronically and saved in your account. I signed and took delivery of car on signed for the agreed priced. Somewhere after the delivery on XXXX XXXX 2022. I noticed the issue upon setting up payment and the before the first month of the initial payment that the price of the vehicle changed after signing. 

The Bank : is US Bank. 

The car company is XXXX. 

In my investigation I found out that the price of the vehicle was increased on all vehicle across the board for all customer after I made my order and agreed upon the price, which was disclosed to me that would not affect me. I sign for the locked in price also whick was {$59000.00}. I brought this issue up with US bank then to XXXX, XXXX employees acknowledge the issue as there walk-in facility, but the issue has not been resolved. I went back to the bank and the bank refuses to correct the issue and continue to charge the higher price which is {$67000.00}.
Complaint sub-issue: Account information incorrect

I have been a customer of  Citibank Credit ca rds for over 22 years, since  XXXX . Since then, my credit card I opened in  XXXX  I have never made a late payment on this account or any  Citi  account or other account on my credit report. Recently, in  XXXX   XXXX   Citibank  closed this card without my permission, since I the bank claimed I was not using it enough ( I have other accounts with  Citibank  that were active. Citibank never warned to use my card or they were going to close it ) I contacted  Citibank t elling them I DID NOT want the card closed. They re-opened the card in  XXXX   XXXX  per my request. Unfortunately, the made another hard-pull on my credit report to re-open account, even those I asked them not to as the card was closed in error.     After they re-opened the card, I started using the card in  XXXX   XXXX , and the payment was not automatically made on time. In the past, this card and all of my  Citibank  credit cards were enrolled in "  Auto  Pay '' so that the full balance was deducted from my checking account on a monthly basis. When  Citibank  closed and re-opened this card these payment instructions were cancelled, unbeknownst to me.     As soon as I discovered the account was late ( less than {$50.00} was owed ) because payment were no longer being made automatically via Auto-Pay, I immediately called  Citibank  and made a payment over the phone. I asked the representative if this was going to affect my credit report. She said NO. She said if it did, the payment I just made would be applied and blemish on my credit report would resolve itself over a month or two. I found out there is still a blemish on my report and I would like it removed. I called Citibank back and  Citibank  tells me over the phone that they can not removed, even due to the extenuating circumstances described above ...
Complaint sub-issue: Account information incorrect

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to XXXX XXXX XXXX. I am also XXXX and was wrongfully terminated in XX/XX/XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of XXXX in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. XXXX XXXX informed me that in order for the Cease and Desist to be honored, they would have to be subpoenaed. This is contrary to the laws in Florida. She also send me an official document to complete that indicated I did not originate the loan. I never said I didn't originate the loan and refused to complete the documentation. Instead of providing these accommodations, XXXX XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded that my charges were based on " unspecified laws ''. I have been contacted by XXXX XXXX XXXX at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. XXXX XXXX XXXX has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am critically ill and may not live for another year.
Complaint sub-issue: Information is not mine

I have a judgement ( XXXX ) that 's reporting on my Equifax credit report to a XXXX XXXX. I 've disputed this with all XXXX bureaus and Equifax is the only one that wo n't release it. Reason I disputed this account has a lot of inaccuracy 1. The actual docket I 'm going to enclose with this dispute has a different name and date. I have another judge on my credit report that does n't even come up on public records and that case number ( XXXX ) From XXXX XXXX XXXX. Prior to reviewing my credit report I did n't know anything about it. I 've been disputing these negative items since XXXX XXXX. Please help me get this resolved. I have an address on my Equifax that I never resided at which is XXXX XXXX XXXX, IL XXXX. My bankruptcy was filed XXXX/XXXX/XXXX Equifax is reporting XXXX/XXXX/XXXX I 've contacted them 4 times about this they says they 're reporting correctly. Equifax is reporting a collection on my account but did n't list the name of the company only the debt and the amount. They 're listing XXXX XXXX XXXX as being opening on XXXX/XXXX/XXXX that 's incorrect. I have an alleged debt with XXXX XXXX that I 'm unaware of but XXXX and Equifax is reporting XXXX date as opened and XXXX has a completely different date. XXXX Now has XXXX different date on my XXXX and XXXX. XXXX XXXX is being showed as a collection account on Equifax and also shows included in my Bankruptcy that was filed on XXXX/XXXX/XXXX but it says the open date was XXXX/XXXX/XXXX. How is that even possible when no new accounts can be included into a previously filed bankruptcy? XXXX XXXX XXXX is reporting on all XXXX bureaus incorrectly. Equifax is reporting XXXX XXXX as and account but that was included in the Bankruptcy but they took it from off bankruptcy and said collections the date says XXXX/XXXX/XXXX that should have been deleted since 7 years has passed. XXXX is being report with XXXX different dates on all XXXX bureaus. XXXX XXXX is being reported open on the wrong day on Equifax. I 've included all my proof with this dispute. XXXX has a lot of inaccuracy also and they told we that they wo n't reinvestigate these inaccurate accounts.
Complaint sub-issue: Confusing or missing disclosures

I recived a promotion offer from Citibank to open an account and fund it with a certin amount of funds and recive a cash bonus after 60 days i read the entire fine print and only was able to discern a 60 day requirement to recive the bounous, so i called and setup the account with a representative who also told me it was only 60 days no more and i specifically asked can i get the funds after 60 days and can i remove the funds without penalty i was told emphatically yes, i knew to ask this because i have completed one of these before with XXXX XXXX XXXX  and they specifically said you have to leave the money there for 90 days. So after completing the 60 days i called citibank and now they are saying the offer says after you complete the 60 days you then have to complete 90 days from that point, which was never agreed upon when i setup the account, and it seems very deceptive why would they not just say you must complete 150 days in order to recive your funds, and why would the first advertised time frame be the shorter one of 60 days and then the second part of their " offer '' be 90 days so its double the advertised time plus 30 days this is extremely deceptive.
Complaint sub-issue: Problem with customer service

Dear CFPB, My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments for Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) on XX/XX/2021 and again on XX/XX/2021 and they ; FedLoan Servicing ; have not provided a material response. They state that they are " assessing '' but will not provide me any timelines or other information. I am asking that CFPB contact FedLoan Servicing in an effort to get FedLoan Servicing to fix the ones that should have been fixed. This issue is time sensitive in that TEPSLF has limited funding and is a first come, first serve program. 

Sincerely, XXXX XXXX
Complaint sub-issue: Account terms

Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file XXXX new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all XXXX credit bureaus, and also to the apartment complex XXXX XXXX. 

Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Equifax on my behalf and further investigate this matter. 

Thank you very much, and I look forward to your prompt attention to this matter.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX, XXXX. XXXX, a collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.

This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner, according to the banks account disclosures booklet, resulting in more than XXXX @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business day cutoff, and taking their time to credit the deposit which paid overnight, the XXXX bank self-generated about {$350.00} in fees. 
Federal reserve guidelines were not adhered to regarding bank cutoff, hold times, business day, banking day, etc so that the bank could generate massive illicit fees without risk or investment.The unscrupulous bank has now turned their illicit endeavor over to professional extortionist XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I co-signed a student loan for my daughter. She went back to school and applied for deferment and forbearance. ( which was granted ) I assumed all was taken care of. The company sent a letter to me showing a late payment due in the amount of XXXX that was 17 days late XX/XX/2020. Upon receiving the letter I immediately paid XXXX that was taken from my account on XXXX XX/XX/2020. Even though I was laid off work due to Covaid-19, I still took care of this to retain my credit score. I have never been late on a bill. I called the company and was told that I was late over 30 days XXXX XXXX math doesn't add up ) and that they don`t even need to notify ( by law ) that money is owed. I have tried to protest through the credit bureaus and I get the same response that the XX/XX/2020 late stays on my report. This dropped my score over 90 points. I have the letter they sent me and the proof of payment sent.
Complaint sub-issue: Received bad information about your loan

I qualify for the Public Service Loan Forgiveness program available through the Biden modification plan. I have submitted the completed and signed employment verification form through the Federal Student Loan website three different times. Their response to my submittals have stated each time that the form has incomplete or missing information. I have highlighted in yellow each section required to be completed and confirmed the information is accurate before submitting the form each time. The latest response letter dated XX/XX/XXXX states : " Missing Information : Your employer certified the dates of employment that were entered in Section 3 of the PSLF Form. However, the employment end date is before the employment begin date. Complete and return the enclosed form. Make sure that your correct employment begin and end dates are shown in Section 3 and that your employer certifies correct dates. '' My form clearly shows the employer entered by begin employment date is XX/XX/XXXX and that my employment end date is " still employed. '' The form was signed by the Human Resources representative on XX/XX/XXXX. A previous application was rejected based on similar reasons. My application was reject in XX/XX/XXXX because " Section 4 was not completed, '' however, I am employed by a state government agency and the form clearly states to only complete up through Section 3, then sign and date the form. The other submittal was rejected in XX/XX/XXXX because " Your employer did not provide a name or EIN in Section 3. '' However, the form had all of this information clearly provided on the form. 

I believe that the Federal Student Loan agency and/or my loan servicing company XXXX XXXX is deliberately rejecting my PSLF form and my application in order to deny my student loan forgiveness.
Complaint sub-issue: Debt is not yours

Over 2 months ago I demanded validation of the debt that MARS INC is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
Complaint sub-issue: Information belongs to someone else

I tried having the credit bureaus remove a collection account from XXXX that is not mine. I need to have this removed ASAP. This has been affecting my ability to qualify for loans.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021 I asked XXXX, equifax, and XXXX  to stop reporting my consumer report because I never gave them consent under 15 us 1681b without written consent its identity theft I never gave transunion the authorization to report, furnish any on my credit report.
Complaint sub-issue: Called outside of 8am-9pm

I bought a XXXX washer and dryer set plus a XXXX refrigerator and a stove. The washer stopped working about 3 months ago. I called Conn 's to get it repaired. They sent out a technician to fix the recall but not the washer. The technician stated hat there was no work order to fix the washer but he would but one in. So after a month we called them back to see why they have n't fixed the washer. They said we will have to call XXXX because it 's still under warranty with them but that warranty expired in XX/XX/XXXX. The warranty with Conn 's was valid til XX/XX/2017. About going back and forth with Conn 's they stated hat the washer could not be fixed. XXXX said that we had to fill out paperwork to get our refund for the washer. I did everything that XXXX wanted us to do. Conn 's still want me to pay for the washer that do n't work. They call my house and cellphone all hours of the day and night. Just the other day they called at XXXX. That 's too late for anyone to call about a bill.
Complaint sub-issue: Public record information inaccurate

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX checkR had distributed falsified information regarding my public records in regards to criminal action. When asked to fix my record I was informed I must pay for a report and send it to them. I was advised that as they are a private party, hired to do checks, that this DMV report should not have to be at my expense. I did send a screen of the court dispositions, however I was told without paying for the DMV report that my record will stand. They further stated that they have directly pulled a current DMV record for me on XX/XX/XXXX and previously in XXXX. On XX/XX/XXXX the XXXX verified that what was reported is no where on my records. In XXXX I also informed the company of them falsely reporting. I then mailed the court document. The same court document XXXX at ChechR referred to as the final court document, and told me I needed to submit on XX/XX/XXXX.
Complaint sub-issue: Deposits and withdrawals

I am an XXXX  who issued two direct deposits to a Key Bank account belonging to an employee. XXXX deposit was for the amount of {$510.00} and the other amount was {$510.00} I issued these XXXX transactions on Wednesday XX/XX/2022 along with regular payroll issued to nearly XXXX employees. All other employees who have other banks received their funds on Thursday XX/XX/2022. The Key Bank account holder was told that funds would not be made available until Monday XX/XX/2022. 

I spoke with the Key Bank consumer department at XXXX MST on XX/XX/2022 and was told that although Key Bank XXXX indeed receive the funds, they would not make those funds available to the account holder because today is a federal holiday. Key Bank insisted that the settlement date was XX/XX/2022 which is not correct as the funds were issued XX/XX/2022 with a settlement date of XX/XX/2022. 

I escalated the call to a supervisor who informed me that although they are able to verify that they did indeed receive the funds, there is no employee of Key Bank who has the ability to make these funds available to the account holder. 

I issued the XXXX XXXX day early in order to ensure that all employees were paid on time. Key Bank is in violation of Federal law in delaying the availability of these funds.
Complaint sub-issue: Personal information incorrect

I contacted Equifax about the information they had in the system on my current address. they show my current address as a place I have not lived since XXXX. They had the current address as a Colorado address I left in XXXX and when I disputed the info they did not look at my documents showing my current. I attached a bank statement showing current address but they did what they do, screw things up. I tried to dispute the info again and now I am unable to attach any documents. I emailed the documents to their ETsupport and am still waiting. XXXX and XXXX have already fixed the address change but Equifax will not. I figured I would contact you first before I hand it over to an attorney to sue them for reporting false information. I just need it fixed so we may buy some property. PLEASE HELP
Complaint sub-issue: Reporting company used your report improperly

I Sent my letter off on XX/XX/2022. I told the credit bureaus to 'investigate ever piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number : XXXX : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX Equifax : XXXX - XXXX - XXXX - XXXX - XXXX According to the FRCA the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a credit report showing the inaccuracies. 

XXXX : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX  : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX EQUIFAX : Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

incorrect and fraudulent items I see on my credit report