Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about my loan

I have federal subsidized and unsubsidized XXXX school loans which were consolidated and are presently serviced by FedLoan Servicing, on behalf of US Dept of Education. I annually recertify my loans under the Public Service Loan Forgiveness program and for Income Based Repayment for partial financial hardship. I am married and have XXXX child ( a daughter ), and my wife and I file our federal and state income tax returns on a separate basis. Based on DOE 's regulatory guidance, the recertification determination under IBR should not need consider the spouse 's financial income or tax information when borrowers are married separate tax filers. However, regardless of this ( which has been orally confirmed by FedLoan representatives ), my most recent recertification application was denied for failure to submit my wife 's income and tax information. The explanation for this as provided by FedLoan was that the form supplied by DOE is defective. I have been advised that I could just say that I " do not have reasonable access to my spouse 's information. '' However this would be a falsehood as we are married, and we reside in the same domicile. This is inequitable and requires a logical, consistent solution.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2022, there were three unauthorized charges posted to my Citi credit card. 

Each charge was for {$580.00}, for purchases at XXXX XXXX. I did not make these purchases nor authorize anyone else to do so. I contacted Citi and they sent out a new credit card. In a follow-up conversation with their " security '' department, I verbally confirmed that I did not make those purchases nor authorize anyone else to do. 

Citi removed the charges. They then investigated and contacted XXXX XXXX. XXXX XXXX provided information that showed that flights were purchased and used, and in their words, this was not fraud. The passenger on this flight used my credit card, and my street address but their name is not familiar to me. 

Around XX/XX/XXXX, based on the information from XXXX XXXX, Citi again asked me to confirm that " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' I confirmed this, for all three charges. 

Around XX/XX/XXXX, Citi sent me a letter indicating that " the merchant provided documentation confirming that you participated in the transaction '' ( this is not true! ) and that they " found you are responsible for the transaction. '' and " we now consider this investigation closed. '' So despite my repeated declarations that I did not authorize or receive any goods or services from this transaction, the fact that XXXX XXXX has proof that *someone* took a flight from this purchase seems sufficient to override my statements. 

This is ridiculous- if someone steals a credit card and then uses it to purchase goods, how is the fact that goods were purchased proof of anything? Of COURSE someone bought flight tickets and then made use of them - that's the point of stealing something! That someone benefited from the theft doesn't not magically prove the theft didn't happen. And why does Citi not accept the word of their customer, me? I followed their process and they simply override my factual statements? As your site says " If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use. '' Note that there are three separate transactions, all on the same date and for the same amount. My documentation will provide a sample but not all three of them!
Complaint sub-issue: Personal information incorrect

Equifax and XXXX have incorrect addresses and names on my Credit Reports that need to be deleted. I spoke to a representative at Equifax and XXXX on XX/XX/20. They refused to remove the inaccurate and incorrect information.
Complaint sub-issue: Information is not mine

My brother and I have the same first name and last name with different middle names. We have different birthday and social security numbers so we did n't expect the report to be mixed up. This can create some issues. For example, my brother just got a car loan but it 's not my car loan. When I wanted to ask for credit report, they asked me if I have a car loan which I do n't have but they said the identity test failed. It 's really stupid because they could have checked that the middle name, date of birth, and SSN are different.
Complaint sub-issue: Information belongs to someone else

On my equifax has had my information wrong and since the leak of my personal data, I've be disputing my address as well as my employer and it's extremely important that is is address asap and this is a last line of defense. It's not easy to disputing address and employer with equifax. 
My So be XXXX XXXX XXXX, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX. 
My Employer only XXXX XXXX XXXX and nothing else
Complaint sub-issue: Reporting company used your report improperly

The Equifax security breach made public XXXX XXXX, 2017 is my concern. Contacting them on-line to find out if my information was 'hacked ' requires my social security number. Why would I share that!??? Put my number out for the world when I am unable to find out if my info has already been shared. Sounds like another open window for hackers.
I have been unable to contact Equifax thru phone. My battery died after 'hold ' for 23 minutes.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$440.00} XXXX XXXX {$17000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$540.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$100.00}
Complaint sub-issue: Information is missing that should be on the report

I have sent in three separate letter requesting that an investigation on the address on my report. 

I live at my current address and there should not be no other address on my report. 

XXXX is reporting : XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXX GA XXXX Equifax : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA XXXX These jobs are not mines either, XXXX XXXX and walking into destiny
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX wrote stating that XXXX XXXX and XXXX XXXX XXXX verified a bankruptcy on my credit file. There is no said bankruptcy on my XXXX XXXX report and the court house does not report to 3 rd party vendors. Equifax and XXXX failed to investigate by contacting XXXX XXXX.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a credit card bill from Citi on XX/XX/XXXX saying I owed {$8700.00} on an account I do not own and never opened. Since I do not speak very good English, my husband called Citi and told them this is not my card, that I may have been the victim of identity theft and they agreed to close the account. Citi sent me a letter dated XX/XX/XXXXsaying they closed the account. I sent them a Statement of Fraudulent Application signed by me onXX/XX/XXXX that they requested. Citi sent me a letter dated XX/XX/XXXX stating my claim that this account was fraudulently opened was denied and that I am responsible for the account in question. I asked my son to call the telephone number on the letter on XX/XX/XXXX and he spoke to XXXX  from Citi with me on the line, and they continued to insist that I opened the account and I am responsible. I sent Citi a letter demanding all of the account opening documents that Citi has in their possession, including signatures, IP addresses used to open this account, etc. pursuant to the Fair Credit Reporting Act, but Citi has failed and refused to provide me with the documents and will not respond to my request. OnXX/XX/XXXX, I received yet another billing statement from Citi saying I now owe {$18000.00}. This is now becoming ridiculous!

I did not open this credit card account. It appears that someone has stolen my identity and fraudulently opened this account in my name.

Citi has failed to perform due diligence when they allowed someone other than me to open a credit card account in my name and did not follow the proper protocol when they allowed over 50 charges totaling over {$18000.00} in just a 5 day period mostly in Florida. I have not been to Florida in over 6 years. In addition, Citi has violated provisions of the Fair Credit Reporting Act by refusing to respond to my demand for all account opening documents. It is my understanding that there are civil penalties for thess types of violations and I am requesting that your agency issue fines and penalties against Citi for their actions.
Complaint sub-issue: Funds not received from closed account

I open 2 accounts with BB & T Bank recently. I have so many problems with my bank since I opened it. When I opened this bank, they blocked and told me to go to the bank to verify myself, which I did. I went to branch itself, take in my ids and passports in. A branch representative from the XXXX branch help me solved the issue. On Friday, I got a temporary debit card from the branch and was using it. The same weekend, I transferred {$500.00} from my XXXX bank to my bb & t checking account. This morning, my husband transfer {$100.00} from XXXX XXXX XXXX and {$100.00} and {$80.00} from XXXX XXXX to my account. I tried to used my temporary card with XXXX XXXX  to send money to a friend of {$500.00}, but it reject it and I call the fraud the department, a lady told me to try again in 5 mins. I tried to use the card again after 5 mins, it declines again. So, I went online to my bb & t checking to do a XXXX transaction. Its didnt go through. That is when I call bb & t XXXX to see what going on. The rep told me they blocked my account again and she will have transferred me. So, I call the bb & t fraud take over department. So, to a rep name XXXX from the tier 3 level rep. He told me they closed the account and that bb & t does not want to do business with me. I told him what happened. He did not want to listen to me, he was so rude, and I asked to speak to another person above him. He said there was no body. I was so mad, he also told me I will not get my own money the {$1100.00} that I deposited. And they will send me a letter in the mail to tell me what to do. I kindly asked if I am going to get my money back. He does, maybe not. Well this is where I am extremely XXXX XXXX, first of all, it my money and not bb & t bank. If I dont get my money, I will be filing a police report representative XXXX tier 3 level rep. Bb & t has giving me XXXX ever since I opened this account. No other bank has giving me this money of problem. So I need my money, I need for bb & t bank to let me withdrawal my money from the bank. I need to speak to somebody, Date : XX/XX/2020 Amount : XXXX Note : I have receive letter from the bb & t fraud management department and call the department, XXXX told me I will not get my money, because I was doing back to back XXXX transactions. But it my money, unless you have written conditions that tells me why I should not XXXX back to back. Please refund my money. I dont know why it only poor people that you will hold there money, but rich people. You give them back there money. I need my money.
Complaint sub-issue: Old information reappears or never goes away

I am submitting this CFPB complaint to follow up my previous request that you remove the inaccurate personal information from my Credit File. The following Inaccurate names and addresses are not affiliated with me. I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following Inquiry inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I need you to remove the following inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX
Complaint sub-issue: Problem with statement of dispute

On XXXX I contact Equifax through the cfpb.gov online gateway stating that one of my personal emails hosted by XXXX was hacked, contained account and sensitive information and since XX/XX/2016 I had been receiving account threats of bills and accounts opened in my name using my social security number address name. and the I have subsequent hard inquires as well on my XXXX consumer credit report and that I would like all inquires made after XX/XX/XXXX removed as I also initiated a Fraud Alert across all XXXX credit bureaus. However I was informed by Equifax that since the email that was hacked was not the same as the one I used to communicate with the cfpb they were not under under obligation to do anything at all. I find that both untrue and evasive if the material issue was that if my email was hacked then " I '' was compromised and need remediation as a consumer starting with the retainer and furnisher of credit inquiries and records, not misdirection and dismissal of the damages suffered. 

XXXX I personally believe they " rushed through '' the complaint with due consideration due to the impending holiday season. Please do an analysis on this and see if there is a trend to address. 
XXXX
Complaint sub-issue: Was not notified of investigation status or results

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX AUTO / {$0.00} / XX/XX/2019
Complaint sub-issue: Reporting company used your report improperly

I did not realize the Equifax had been compromise. I believe my ssn has been compromised. I checked on their website on XXXX XXXX and it said I may be at risk. I did not give them permission to release me private data.
Complaint sub-issue: Sent card you never applied for

The day before yesterday, I received a PNC BANK debit card that I didn't apply for by mail, so I think someone stole my personal information and opened an account on PNC BANK. So, I made several phone claims to PNC Bank, but they didn't accept my personal information wrong, so I'm so worried that I'd like to report it. Debit card # XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have 12 loans with Dept of ED/ XXXX Lates are being reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive disputed this issue with the credit bureaus with no successful outcome.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Been fixing my credit, had a computer problem ended up with a virus, everything got compromised and crashed in late XXXX and mid XXXX. I applied for 1 credit card and it got approved. since then waiting on some stuff to get taken off credit report i noticed some hard inquiries that i didn't make. 

XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX  XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 Cbna - Inquiry from XX/XX/2019 I need these removed!
Complaint sub-issue: Banking errors

Hi CFPB, I recently had an account with Comerica Bank which was closed on XX/XX/2020. However, on the day that Comerica had closed my account, I had transferred {$500.00} from my XXXX XXXX account to the Comerica Bank account, which successfully was withdrawn from my XXXX XXXX account. Comerica Bank, on repeated occasions, has denied having ever received my {$500.00} and has been extremely uncooperative in helping me locate where the money is. They have also refused to work with XXXX XXXX  and will not reach out to XXXX XXXX to resolve the matter. 

As of today, XX/XX/2020, I have not been credited back my {$500.00} to my XXXX XXXX account as XXXX let me know that Comerica has not returned the money that was transferred to Comerica on XX/XX/2020. If the CFPB can help to look into this matter and help coordinate the return of my {$500.00} between Comerica and XXXX, that would be greatly appreciated.
Complaint sub-issue: Account information incorrect

Hello, and thank you for taking the opportunity to help out with my concern. 

I wanted to please reach out regarding an incident where Discover potentially may have mistakenly reported me late by accident. 

When I logged in to make a payment on my Discover card, I was offered a payment plan that I would lower my interest rate and decided to naturally take advantage of it to lower my payments. 

A promise to lower my payments, as well as give me a lower interest rate plus allowing me to still have the card open an active allowing me to spend if needed. 

When I set up the installment plan, it would not allow me to modify anything beyond that. I was unable to add the payments that I am familiar with to update it to the correct checking account. 

I attempted to rectify the situation by modifying the bank account however because it was a schedule payment under that special financial plan it did not allow me to modify the banking details. 

Instead, when the payment was rejected, I had already processed the payment the same day to bring the account current as I have never been late before. 

When Discover proposed the payment plan, I was trying to make a payment earlier on to bring the account current. However, when the payment plan was set up, Discover did not allow me to make modifications, and instead bundled both the past due, and the bundled payment for the plan together, and when that payment was rejected, I was reported late, which is completely unfair.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is about a hold that was actually charged to my card an refunded back an it did not come back on my card an it has been 72 hours the refund should have been back on my card immediately the longest 24-48 hours but it still is not. Im experiencing identity theft since last year and it seems to continue with this card especially when I get refunds they never get back to my card it seems it is someone in Citibank doing these acts. Someone inside keeps messing with my personal information and the customers service representatives are very unprofessional and rude.
Complaint sub-issue: Reporting company used your report improperly

On XXXX/XXXX/2017 I was informed of the security breach at Equifax. After checking to see if I was affected, I found out that indeed my information had been compromised.
Complaint sub-issue: Reporting company used your report improperly

accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name XXXX XXXX XXXX XXXX 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 _astrucions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information An other adverse item of information, other than records of convictions of crimes wnich antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXX ) {$290.00}
Complaint sub-issue: Other problem getting your report or credit score

The week of XX/XX/XXXX, called equifax to get access to my credit report as no lenders have been able to access my credit report because of some hold. 

I have contacted the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. On XX/XX/XXXX, they told me to check Friday as the documents to verify myself should be in. 

I have went through countless verifications, sent in the documents they have requested by fax and still I can not get access to my credit reports. The documents that I sent were my drivers license, a cover letter explaining what I need done, and also a photo copy of my social security card. 

All I want is access to my credit report and for lenders to have access to my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

Just received letter from afni , inc collection agency for att in the amount of XXXX. Closed this account in XXXX of XXXX. Att said could not closed account till it was paid in full. So paid the amount of XXXX of which they said would be owed. Now XXXX  months later I get bill from afni , inc saying I owe XXXX, but I have never received a bill for this or a call about it. Tried talking to afni but they were very aggressive and did not want to hear anything I said.
Complaint sub-issue: Investigation took more than 30 days

The bureaus have had more than enough time and chances to comply with the law. So due to repeated and blatant disregard for the law, I have already filed complaints against your company and my attorney will be, within the next fifteen ( 15 ) days, filing a civil suit against them and for the maximum in punitive damages and fines allowable by law if this account is still unresolved. 

Please remove XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX  ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX  XXXX Account Number : XXXX, XXXX  XXXX  ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX,
Complaint sub-issue: Information belongs to someone else

For the past 6 months I have contacted both XXXX and Equifax to let them know I have been a victim of Identity Theft. I have provided them with a copy of my police report as well as the FTC report that was filed. To date, XXXX still has one account remaining on my credit. XXXX XXXX XXXX XXXX and Equifax still has a total of 4 fraudulent/unknown accounts. 2 with XXXX XXXX XXXX XXXX and 2 accounts with a company called XXXX XXXX XXXX.

I am also requesting that my phone number be placed on my Fraud Alert XXXX XXXX XXXX FTC Report Number XXXX XXXX XXXX  Police Report Number XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house and car to provide for my son and I.