Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

During the XXXX season of 2017, I opened a Macy 's credit card with a cashier because I was told I would get 75 % off the purchase if I did so. The interest rate was not disclosed to me at that time. In XXXX I received my first statement that said my interest rate was 26.99 %. I called XXXX 's customer service to close this credit card that I had not received in the mail yet after learning of the high interest rate. They told me there would be a fee of {$40.00}, and I said to charge my XXXX XXXX checking account. Later I looked at my bank account and saw a charge from Citibank for this amount. No where on any of the documentation for this credit card has there been anything stating my credit card is through Citibank. Because of this I filed a fraud claim against Citibank as I thought someone had hacked into my account. XXXX XXXX got me my money back. Later I received statements with late fees on my ( what I thought ) was closed card. I called XXXX 's to figure out why my card was not closed, and they told me the card had been reopened because my payment had bounced. This is when I found out that XXXX 's uses Citibanks card services. At this time I tried to call Citibank and disputed that their pull from my checking account was unclear because it should have said XXXX XXXX. I have since paid them back the money I originally owed plus 25 % which is {$47.00} but they want me to pay these late fees and interest rates that have been charged to me since I closed the account which add up to {$270.00}. This is unethical and they refuse to admit any wrongdoing.
Complaint sub-issue: Report improperly shared by CRC

I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.
Complaint sub-issue: Account status incorrect

Ally Financial has reported me 30 days late on my very first payment that was due to them aprox. 9 months ago. I purchased a new car from a dealership in XXXX Colorado, the salesman told me the first payment was not due for 60 days from the date of purchase. Ally financial failed to send me an Invoice of the upcoming payment due date or a payment statement booklet. I never received a statement and 60 days went by. I still had received not statement so I called them, the then sent me a statement that I Immediately paid. Months later I checked my credit report and they had reported me 30 days late which is a ding to my credit score.  My credit score is very important to me and I contacted them. I spoke with several people and they did not remove it and months have gone by. I spoke with a women named XXXX who started a case number with me ( ref # XXXX ) I told her what had happened and that the salesman told me 60 days before the first payment was due and since I did not receive a statement from them I had no way to know it was due after 30 days not the 60 days I had been told. I pointed out that I have never been late on a payment to them and could they please remove the late payment as a goodwill adjustment. I just received a letter saying that they will not. Can you please help me with this situation? I have no late marks on my credit report ( except this one from Ally Financial ). The only reason that the incorrect information from the car salesman did not get caught before it was 30 days late is because Ally Financial did not contact me to tell me the payment was due in 30 days from purchase not 60 days from purchase. They should have called me or sent me an Invoice promptly but they dragged there feet, and this is costing me valuable credit points on my FICO scores. PLEASE HELP!! XXXX XXXX : XXXX XXXX XXXX XXXX Co. XXXX
Complaint sub-issue: Confusing or misleading advertising or marketing

On your site you guys stated that a downpayment isnt a requirement. But then ask me for downpayment on which was intentionally misleading after you guys stated a down payment isnt a requirement and some I feel thats false advertisement It shall be unlawful for any person, partnership, or corporation to disseminate, or cause to be disseminated, any false advertisement and not only that but a violation of 15 USC 1662 ( 1 ) and ( 2 ) just to switch the terms in order to defraud me which I cant seem to get over but not only that I dont see how you going to take a cash payment inside of of a credit transaction which i was in fact entering which a finance charge was going to be imposed which is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit addition to you guys pulling my credit report, i noticed third parties also pulled my credit report, all of them in violation of the FCRA as none of them is a creditor in such assignment transactions ; you is by law the only creditor but, by having no intention of extending the credit disclosed in the RISC, which you violated the FCRA at 1681b. 
And Under TILA an assignee is not a creditor. The credit-offering seller is the only creditor. An assignee is an entirely separate entity who assumes the creditor 's rights under a RISC if it chooses to accept assignment. If an assignee rejects assignment, the creditor continues to be liable under the RISC. 12 C.F.R. 226.2 ( a ) ( 17 ) ( i ) And as if you was trying to collect payments on a extension of credit would that be possible allegations of violations of 18 USC 894 im very horrified how the way you do business I wish you guys do more business and good faith instead of trying to defraud consumers especially with inflation going on
Complaint sub-issue: Their investigation did not fix an error on your report

i have unauthorized fraudulent inquires on my report i called and mailed disputed and have no results fraudulent inquires still remain on report Name Requested On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Last year it submitted this police report to all 3 credit bureaus .Equifax omitted to remove all fraudulent inquiries that was not authorized by me from XX/XX/XXXX.

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Recently a company made duplicate credit inquiries on my credit report that I did not authorize. 2 from the same company XXXX XX/XX/XXXX. XX/XX/XXXX Why would the same company pull my credit 2x. I didn't authorize.
Complaint sub-issue: Banking errors

This complaint is related to complaint # XXXX providing additional info. 
I ended up closing related CD account because of not paying correct interest of which they have not resolved yet. 

I was charged {$920.00} plus not pd correct interest on acc This is clearly a bank error that they do not know how to solve
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX. XXXX XXXX AUTO XXXX Account # XXXX, XXXX. XXXX XXXX XXXX Account number 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 instructions 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 Any other adverse item of information, other than records of convictions of crimes which 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.
Complaint sub-issue: Was not notified of investigation status or results

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

Hello, Thanks for this opportunity. I have paid the balances on my credit cards but it's still showing the previous balance thereby causing damage to my credit history. The purpose of paying off my debts is to have a good credit scores and that's not happening. 

Please, help me out. 

Thanks XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I sent letters on XX/XX/2021 to the 3 major credit bureaus about things that are completely wrong on my credit report and have not heard responses from either bureau. I want an investigation and the damaging items to be removed so I can move forward with trying to get a loan for a house.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX  Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX  has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

OnXX/XX/2021 emailed XXXX XXXX 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with XXXX XXXX.
Complaint sub-issue: Problem with balance transfer

XX/XX/XXXX I requested a rolling balance transfer through the Discover Messenging portal. I was  consistently refused, even though I had available credit of {$1300.00}, paid on time historically. I was referred to XX/XX/XXXX Pricing Schedule. Under 'Fees ', 'Transaction Fees ', Balance Transfer ', it states, Offer # 1, Intro Fee of 3 % of the amount of each transfer ... above. " AFTER THAT, 5 % of the amount of each transfer. ' -- This leads one to believe that 'rolling ' balance transfers are available from the XX/XX/XXXX promo offer of 14 months. Also, at the bottom is a 'cross cross ' symbol that says, 'See the terms of the applicable balance transfer offer for details. ' Well, the 'terms ' are not given, spelled out, or obvious any where in the 'Cardmember Agreement ', other than, pg 2 " How we include fees ... We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. ' and Pg. 3,  'Definitions ' '' Balance Transfer '' means a balance transferred from another creditor to your Account.= NO Where in Any Disclosures provided that 'Balance Transfers ' at 0 % are not available if Credit is Available or not rolling from the Promo of XX/XX/XXXX for 14 months. I've called several times in the last year and the 0 % for purch and balance transfers were active as rolling, expiring XXXX for purchases & XXXX for BalTransfers. Never presented as 1x 0 % offers, only 14 mo rolling offers that would expire as directlyprevious. 
ConsumerCreditViolations=Bait & Switch , Not Allowed to 0 % Bal Transfer until XX/XX/XXXX even though I have {$1300.00}. avail credit with missleading bal transfer credit & markting promo information. No where in any credit card info is the 0 % defined as not rolling for 14mo or missleading & a 'timed offer ', just to deny me even though I have avail credit on the card. Damages= Unable to bal transfer at 0 % from XX/XX/XXXX to the expiring XX/XX/XXXX discriminatory credit practices= I've paid more than Min Bal each month, on time & with avail credit.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/XXXX I spoke with a woman XXXX at Vance and Huffman in regards to a debt owed on apparently 2 accounts. One of them XXXX could not give me any information into what this debt was only the name XXXX, I explained to XXXX I would like to dispute this charge because I have no idea what it is or who XXXX  is. The next payment I was told was from XXXX and I owed XXXX dollars from the now-closed XXXX. 
I explained to XXXX that I am out on a leave of XXXX and have only a little income but am willing to make some form of an arrangement, That was settled and I then get a call from family members the next day that XXXX from Vance and Huffman are looking for me.They have repeatedly called the family from my sister n law my son, daughter someone in my family who lives in Kentucky! It is harassing! I called to inform them to stop on XX/XX/XXXX and when I dialed the number XXXX it rang and a woman answered and never a mention of the company it was just hello like I was calling someone home.I am not sure if this is a scam but I gave my debit card number.The woman spoke to me rudely and sharp and I just don't get it.I am a XXXX worker who works on a XXXX XXXX and I am tired, stressed and worn out and I do not deserve this kind of treatment
Complaint sub-issue: Their investigation did not fix an error on your report

These companies all have not properly verified an existing problematic account reporting on my credit report. I have contacted them since XXXX. They never sent any documents from the letters I sent that properly verified this auto car loan that is reporting on my credit report which shouldnt be on there. All I keep receiving is letters from these bureaus stating " this was verified '' or " this was updated '' and never any documentation from the actual company. I am distressed that this issue has been going on for 6 MONTHS. This is ridiculous. This account needs to be removed from my credit report. There are laws that protect me as a consumer and they are going against ALL OF THEM. NO proper response and false validation or verification on their end.
Complaint sub-issue: Can't decrease my monthly payments

My loan is with Sallie Mae. I have an ongoing, terrible situation with Sallie Mae private loan department. I have spoken to several different customer advocates who have been able to help some but the last one I spoke with les me astray and now Sallie Mae says I owe {$800.00} immediately which I do not have. 

I took a private loan in XXXX 2013 so I could finish XXXX school and my father in law cosigned. Ever since my loan has graduated from the grace period, Sallie Mae always calls and harrasses my cosigner and NEVER contacts me. I have to speak with the customer advocate who has helped with payments but never handles the issue of my cosigner receiving XXXX % of calls and mailings. I have yet to receive anything. 

I have used my forbearance time and am having trouble paying. My husband has been out of work and we have recently moved to take new jobs and our income has yet to catch up. My cosigner is in poor health and does not work. I spoke with a customer advocate who said I could sign up for an income based plan which would take my payments from {$210.00} to {$68.00} which is much more doable. And would erase my late fees once I made three payments. I spent over an hour on the phone with her going over my financials, as did my cosigner. She then called back the next day and said she had to forward to financial for approval and asked me to go over my financials again saying that because I had a monthly deficit that financial would not approve me and we should try to change some things. I was confused and worried because neither myself or my cosigner have available funds. She said she would call the next day. We also set up two years of payments at the {$68.00} amount. 

It took her four days and when she called back she was very curt and said financial said between me and my cosigner we made too much for the income based and the payment would stand at {$210.00} and we owed {$800.00} back payment. She could not extend the amount or help with any postponement of payments. She also never addressed the problem of the reps calling and threatening the cosigner. 

I am really at a loss now. I do not have {$800.00} to get caught up and neither does the cosigner. I can pay the {$68.00} if I can get the income based payments. When I signed on originally I was told the payment was {$25.00} a month while in school and payments would be calculated once I graduated. One month they took {$25.00} and the next {$210.00} without warning or notice ( I was on automatic payments then ). 

I want a company where I can call and get solutions. Not rude customer service agents or advocates who ask me to change financials and then do not get approved.
Complaint sub-issue: Deposits and withdrawals

I attempted to deposit a check through Ally Bank 's app and the bank contacted me and said that it would not accept my deposit ( it was an approximately {$2.00} deposit of dividends from an old XXXX  ) because the registrations did not match. I have never had such an issue, and attempted to call for assistance. The wait time was unbearable, so I emailed Ally. The response was that I had to call to speak with a person in their deposits department. So, I called, again, and waited on hold, again. I was asked to verify the last 4 digits of my SSN, my DOB and 2 answers to random secret questions, including my favorite team. I guessed what I might have set up, and evidently guessed incorrectly. I was placed on hold again, and escalated to a supervisor, who, maddeningly, repeated the entire series of questions. My answers did not change. She said that someone would have to call me to verify me. That doesn't seem like a super secure way of doing business- calling me from a random number, on my unsecure cell phone, at some indeterminate time. All I am trying to do is deposit a small check. But she said that she could not help me, that I could speak with no one else, and then she froze my accounts so that I can not view them. 

I need ( 1 ) my accounts unfrozen and ( 2 ) to be able to deposit this check and ( 3 ) an apology for my massive inconvenience.