Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to Equifax on  XXXX   XXXX ,  2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX , stating that the record was verified by  XXXX   XXXX . My   XXXX   XXXX   consumer report was frozen on  XXXX   XXXX ,  2017 . The letter that I sent to Equifax on  XXXX   XXXX  included a letter fro m Alabama Federal Court stating that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the courts, and the letter is proof o f this.
Complaint sub-issue: Received bad information about your loan

MyFedLoan was my loan servicer up until recently. I have refinanced. 

In XX/XX/XXXX, the interest on my loans capitalized because ( the company claims ) that I did not submit timely income verification documents. The total loan balance increased from about XXXX ( and change ) to about XXXX ( and change ). After months of fighting, MyFedLoan admitted that the capitalization was in error. According to the company, the capitalization was " reversed '' in XXXX of XXXX, and ( allegedly ) backdated to the date of capitalization. 

For the last few months, I have been trying to verify how that capitalization was applied to my account. I have spoken with representatives as recently as XX/XX/XXXX and XX/XX/XXXX. This has been going on for months, and no one has been able to show me HOW the capitalization reversal was applied despite numerous requests. I am only told that the capitalization was reversed and applied. However, the balance of my loan was NEVER decreased to reflect that capitalization ( except to reflect payments I made myself ). Nonetheless, I continued to make on-time payments. I have never missed a payment while a MyFedLoan customer. 

In addition to the capitalization problem, I recently discovered that the interest on every single one of my loans ( subsidized and unsubsidized ) increased from XX/XX/XXXX to XX/XX/XXXX. Ironically, this is the same time period that the company claims that the interest capitalization was reversed. For example, two of the loans ' interest increased from {$65.00} to {$450.00}, and from {$76.00} to {$520.00}, respectively. Something is clearly wrong.
Complaint sub-issue: Other problem

CitiGroup is unfairly and possibly illegally and unconstitutionally using its market power to prevent new merchants from opening merchant accounts or from accepting Citi-brand credit card products to sell firearms to customer between the ages of XXXX  and XXXX in states and jurisdictions where the purchase of certain firearms by customers in this age group is allowed by law and protected by the 2nd Amendment.

Citi has publicly announced this new policy on XX/XX/18 and has received wide coverage in the media.
Complaint sub-issue: Didn't receive terms that were advertised

XX/XX/XXXX On the web I saw an ad for Citi Bank 's {>= $1,000,000} reward plus 1.1 % interest following the instructions on the WEB page I opted for the {$700.00} bonus option with a {$50000.00} deposit. XX/XX/20 I transferred that amount from the XXXX bank account with 0.8 % interest. 
After a long time in XXXX I noticed that Citi was giving only 0.1 % interest to my account, I immediately called the bank and asked for an explanation. After many calls from several representatives, the only answer is that I opened that type of account XXXX {$400.00} bonus and 0.1 % interest ), that's not true. I know very well what I did, since I did the same for a friend who now gets 0.7 % interest. I have a feeling that I was robbed by City Bank Thanks
Complaint sub-issue: Reporting company used your report improperly

In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXX BANK XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy. 

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions. 

3 ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX reported a derogatory mark on my payment in XXXX stating it was 30 days overdue. I have documents supporting both XXXX and XXXX payments were made on time which I have submitted to the company and they will not remove the late payment. I am trying to refinance and am waiting for this removal to do so as it greatly impacts my credit score. I raised the original issue with XXXX XXXX  in XXXX to which they replied there was not enough information ( I submitted proof of payment for both months just in case ). 

It is very difficult to get in touch with a representative for customer service and they do not allow credit dispute over the phone which creates a very lengthy and unnecessary process.
Complaint sub-issue: Information belongs to someone else

I have attempted mailing in multiple disputes to these bureaus and have yet to receive a response. There are hospital bills attached to my credit that I am not aware or responsible for and have reached collections yet I have received no further information supporting the continuous reported information. This is making it very hard for me to improve my credit and gain the trust of creditors. I reached out to all 3 bureaus by mail XX/XX/2021.
Complaint sub-issue: Account status incorrect

Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off my lease from US Bank. They failed to release my title with in 48 business hours per the Texas rules. Additionally US Bank confirmed receipt of the check on the XX/XX/XXXX but on the XXXX when I followed up stated they had not processed the check. I believe payments or payoffs are required to be applied the date of receipt. US bank required I pay them the Taxes that were due to Texas and then they were supposed to send me back a check made out to Texas for the Taxes. Instead US Bank send me a check in the incorrect amount made out to Dept Of Revenue SD ( South Dakota ). 

I had another car deal pending getting this car 's title in my name. This forced me to pay the taxes due to Texas out of my own pocket. US Bank is now refusing to refund me the funds I have paid to title the car in my name. Which I have now paid twice. I am holding an outage on my personal account of XXXX. While that might not be a lot of money to some, it is significant for me. 

US Bank told me I had to pay to have the check overnight mailed to them. This would cost me more money for their error. I asked they provide a label at their expense. They said they would and stated they emailed. I was later told they did not email it which is why it was never received. They stated they sent the label via XXXX and gave me a tracking number. The tracking number is for the label I would send back to them. They refused to give me the tracking number of the XXXX envelope which is to contain the XXXX label so I can send them back a copy of the check to South Dakota. Since everything else they have told me was not accurate I am failing to believe they have even sent me the XXXX envelop. My other question is why do I have to send them the bad check, I don't trust that when they do receive it that they will send me the funds they owe me. 

I attempted to escalate the situation but twice the call was disconnected when I tried to speak to a supervisor. On the third attempt I was able to speak to a supervisor who refused to work with me to get the check sent to me. I was told I had to send them their incorrect check and wait for it to be processed and trust they would then process a check and send it to me. So I am stuck holding the outage on the XXXX at least a week all due to their mistake. The supervisor refused to transfer me to her supervisor or any other supervisor that could help and that she had to disconnect the call because she couldn't help me. 

This has been a horrible experience of lies, mistakes and misinformation which has resulted in my loss of money and me holding the outage. US Bank has taken no responsibility or action to remedy their mistake.
Complaint sub-issue: Company closed your account

On XX/XX/2022, I applied for a credit card account with Discover. This was my first time applying for a credit card ( I just got my SSN ) and my credit card application was supported. And after that, I also signed Form 4506-C, but on XX/XX/2022, I was notified that my account was closed because Discover could not verify my personal information. I can guarantee that I filled in the correct information, but my card is only kept for two weeks, which will seriously affect my record as a credit novice, and it may be difficult for me to apply for this credit card again.I don't think it's my fault, and Discover damaged my credit history.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I disputed the account XXXXXXXX XXXX XXXX XXXXXXXX as a result XXXX DELETED the account stating that the account was violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and was removed from my XXXX and my XXXX. Equifax is still reporting this account on my credit report, and this is causing me hardship. This account has been deemed as violating my rights under the FCRA as a consumer, and I have disputed this account several times with Equifax they have removed this account and days later put the account back on my credit report. I have attached proof. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2
Complaint sub-issue: Keep getting calls about your loan

The alleged company Allied Interstate, LLC is calling me every single day for months. They call XXXX times a day and as early as XXXX and as late as XXXX. They have called me during job interviews. They never leave a message and are basically harassing me. I told them I think it is illegal to call that many times DAILY, but they said nothing. I have lost my job, I struggle with health issues and I can not pay the loan payments right now and I told them that. I will as soon as I can. PLEASE make them stop harassing me.
Complaint sub-issue: Attempted to collect wrong amount

In 2017 I had endured a unavoidable eviction. The apartment complex at that time was called XXXX XXXX XXXX in XXXX Texas. I was only making {$1100.00} dollars per month income and the rent was $ XXXX/mth. They rented to me anyways. On my last 2 months of my lease I became behind on my rent and unavoidable eviction. The courts issued a notice and my final balance was {$1700.00}. This is documented in the XXXX Texas municipal eviction court and through the apartment complex. I delayed in immediate repayment due to unavoidable circumstances ( homelessness ) and was sent to collections through a company called IQDATA. I called them and made payment arrangements and was able to pay {$500.00} of the {$1700.00} amount due by the courts but was cut short of completion because I found additional housing and my rent was {$900.00} per month. I tried for 5 years to start payment to IQData until I noticed that my balance went from {$1400.00} dollars to {$4000.00} because they said I owed them back pay. I tried to repay apartment complex directly but needed the adjustment of the {$400.00} applied to the balance due and IQDATA refused to release the correct payment information to the apartment complex until I paid the full {$4000.00}. I tried legal aid and they said they couldn't help. I have suffered long enough. I need your help. IQData won't work with me at all until the full {$4000.00} is paid. The XXXX XXXX XXXX won't help me either and have hung up in my face about 7 times now because they say I am annoying them and they don't care. My actual amount due is {$1300.00} and XXXX XXXX XXXX still wants the full {$1700.00} and I've already paid {$400.00} of it to IQData and IQData refuses to pay XXXX XXXX the money I paid into my debt and won't call XXXX XXXX XXXX back to confirm until I pay them {$4000.00} in full. I have been abused enough. How can you help me. I have been homeless for 6 years now and I'm seriously considering suicide. Please help me. If you can't help me resolve this situation or have it completely deleted from my file for pain and suffering, don't bother to contact me or call with anymore I'm sorrys or there's nothing you can do. Just don't call and throw out this file. I can't take another NO IM SORRY WE CANT. 

XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX.I refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.
Complaint sub-issue: Old information reappears or never goes away

I had an account with XXXX in 2009 and I canceled early. They sent me to collections in the same year. I was going through a divorce and they sent it to a company called XXXX XXXX XXXX. They keep changing the dates on my report to reage the account. I have requested this be fixed multiple times and they ignore my requests.
Complaint sub-issue: Their investigation did not fix an error on your report

us bank is reporting inaccurate information on my credit reports. they need to take the responsibility and remove the late / delinquency from my credits since it was their error and must come off.
Complaint sub-issue: Fees charged for closing account

I have a CD account with popular direct that I want to early close. Total interest accumulated with this CD is around {$120.00} but they are charging early withdrawel penalty of {$550.00}. Could you please investigate? 

Regards CD ACCOUNT LAST 3 DIGITS XXXX address of the bank POPULAR XXXX XXXX XXXX XXXX XXXX XXXX, FL United States XXXX XXXX XXXX XXXX : XXXX
Complaint sub-issue: Information belongs to someone else

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  DATE OPEN : XXXX XXXX, XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Complaint sub-issue: Reporting company used your report improperly

As of XXXX, I and 143 million other Americans have had our most sensitive identifying information, such as SSNs, birth dates, addresses, etc., exposed by a breach of which Equifax knew of and did not notify the public about until several months later. 

To add insult to injury, not only are they refusing to provide customer support services on their website, but the phone number and website I have been attempting to freeze my credit report with can not complete the process. I have attempted to reach the other support numbers they offer to no avail. They are providing zero customer service and have been completely non-responsive.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account with PNC bank under a promotion, one of the conditions being not receiving a promotional bonus within 24 months. I contacted the bank by phone on recorded line before opening the account to check if I received the promotional bonus in the prior 24 months and was told I did not. It is important - I state it is the truth I was told that on behalf of the bank on recorded line, and it can be verified by listening to the recordings. I in fact called multiple times to receive the same answer - no bonus was paid last 24 months according to them.. 
After opening the account I did not receive the bonus on time, and when I started contacting them I received extremely dishonest and evasive answers - from just wait and it will be posted later to ignoring calls, not calling back all multiple times and dragging like this for months. The latest conversation today a female who were brought online at my request for a supervisor. refused even to spell her name after asking me to pronounce and spell mine and disconnected the call over my objections to it, after interrupting and ignoring every single of my questions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent multiple letter to the three bureaus, they have not responded in a timely manner required by the fair credit reporting act
Complaint sub-issue: Billing dispute for services

I have been repeatedly billed with auto debits for {$16.00} by Equifax to my checking account. Each time I call and provide all the answers to their questions I am put on a brief " Hold " for a minimum of 30 minutes, then transferred to a recorded survey asking me about my service without ever being connected to anyone to resolve the reason I called in the 1st place. This has haooened over a dozen timnes over the last 6 months. Today, XXXX I called in as I see that EQIFAX is now double billing my checking account for the {$16.00}! Called to their customer service line, spoke to " XXXX " no last name permitted with an employee ID # XXXX who put me on hold after I provided my personal information and she too put me on hold whereby after 30 minutes the line disconnects! To add insult to injury I was involved with their data breach and my EQUIFAX should have been free. i'd like my checking account to be credited the {$16.00} since the breach. Equifax has controlled the customer service numbers to the point the initial representatives have no authority to resolve any inquiry and put all calls on a " Brief Hold " that are never responded to,,,,
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax was notified on XX/XX/2018, Of an account that does not belong to me. They was asked to submit physical proof that the accounts in question belong to me. Instead they sent a letter stating accounts was verified where's the proof.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXBalance {$480.00} XXXX XXXX-Balance {$6400.00} XXXX  XXXXBalance {$13000.00} XXXX XXXX-Balance {$2200.00}
Complaint sub-issue: Information belongs to someone else

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$800.00}, {$1600.00}, {$1900.00}, {$590.00}, {$0.00}, {$900.00}, {$6000.00}, {$1200.00}, {$1100.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX BAN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$590.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

9. XXXX FUNDING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my Federally protected consumer rights.