Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On Sunday XX/XX/XXXX, I was applying for student loan refinancing online. Through this process I was able to see that Equifax and XXXX  had incorrect information on my credit report. My mother and I have the same name with a different initial and a debt collection of my mother 's ended up on my report. I called XXXX on XX/XX/XXXX and was able to not only file a complaint over the phone, but they were able to fix the error on my account at that time with an estimated 24-48 hours for it to be changed on my actual credit report. This is because they could see on the report that the account connected to the debt collection agency did not have my social security number and it was clear to them that this was not me. After this time I went to make my dispute with Equifax and put in an online request. Unfortunately, since this was a dispute on a debt collection agency because of a name merge with a family member, I was told to fill out a different form where I listed the debt collection agencies specifically - this was confusing to me to do multiple forms. I received a confirmation email today Tuesday XX/XX/XXXX with a confirmation number and saying that my dispute had been resolved and that I could check the results of my dispute online. I clicked the link and when I put in all of my correct information in the form, I was told that my information was not a match to my records ( which is not true ). I then called Equifax directly ( I would have called over the weekend but unlike XXXX they do not have their phone lines open on the weekend ) and was frustrated by my call. They told me that the reason I was having difficulty with the website was that there was an error within the system. I had to ask multiple times to have things explained to me. I also did not understand why this could not be resolved on the phone as XXXX  had done. I'm told that it could take 30 days for this resolution. I'm in a bad bind now because of this - while I do realize that it is not the job of the crediting bureaus to notify me of all changes on my account and that it is my responsibility to be informed of my credit report, I still do not understand why Equifax could not look into the dispute over the phone and help to resolve it then like XXXX  did. I've not had experience with credit reporting agencies before, other than when Equifax had the security breach and I needed to look into that and then place a freeze on all of my accounts, and so perhaps the speed of help with my dispute that XXXX was able to do is outside the norm and so I should not expect the same thing between companies. However, XXXX made it seem like this was a straightforward case given that the social security number associated with the debt collection was not mine.
Complaint sub-issue: Debt is not mine

I received a call from EOS CCA and was informed that I owe {$190.00} for a XXXX bill back in 2011. I told them I have n't had a Century Link account in many years and that I do not owe them any money nor had XXXX tried to collect any money from me. I told them I would need paper verification of the debt and the date of service. The caller asked me if I recognized a phone number linked with the account and if it had ever been mine ; I told him no on both questions. The caller then told me that I should call the police and report my identity being stolen ( escalating voice ). The call ended abruptly. I called XXXX XXXX and they have no records of me or me owing any money. I do not exist in their system. About 10-15 days later, I was checking my credit reports and the company showed up on my XXXX credit report as owing money. The reported date was dated between the time I was called ( XXXX ) and the time I checked my reports ( XXXX ). There has been no mail correspondence and no requested paperwork verification. I immediately submitted a credit dispute to XXXX. Just prior to submitting this complaint to you, I did some research and found several consumer affair sites with same and similar reports as to what I am experiencing. This is a fraudulent debt collection and EOS CCA is apparently well known for this practice.
Complaint sub-issue: Information belongs to someone else

After apply for a loan, I noticed my credit score was extremely low. Once I checked my report i found out that my identity was stolen and I do not understand how they stole my information. Please Help. I have a fraud XXXX  Account I have a Fraud XXXX  XXXX Account I have several inquires on my report that i did not authorize.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus once more to remove the remaining account and information that resulted due to identity theft. I sent another dispute letter on XX/XX/XXXX, as my 2nd attempt to inform the Credit Reporting Agencies that I have been a victim of identity theft and I dispute certain items in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inquiries, 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. Please block the reporting of any information in my credit file that resulted from the identity theft : XXXX XXXXXXXX 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 XXXXXXXX XXXX Balance Owed : {$250.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605, the Credit Reporting Agencies are expected to remove the disputed items from my Credit File within the time allowed by law.
Complaint sub-issue: Problem with statement of dispute

I am disturbed that Equifax continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax have no right to maintain information which the government has deemed nonexistent.
Complaint sub-issue: Account information incorrect

The creditor agreed to remove off the report once settled. The account is still on my report reflecting negatively.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Complaint sub-issue: Was not notified of investigation status or results

I wrote to Equifax requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was received by them. I wanted a investigation to be done to remove accounts that are Inaccurate. This is affecting me financially in more ways than one. I havent received anything acknowledging that an investigation has started or completed. I need for you to delete these inaccurate items as soon as possible from my credit file. I sent my dispute letter on XXXX of XXXX and a follow up letter on XXXX of XXXX so this counts as my third request. Under XXXX XXXX, you are required to complete and notify me of your investigation results within 30 days, we are now way past the legal time frame now! I ask that you please DELETE these inaccurate items from my credit file, Immediately.
Complaint sub-issue: Didn't receive terms that were advertised

US Bank Bought Citizens Bank/XXXX XXXX, but XXXX XXXX owed me a XXXX promotion that still has not been paid. It was those bank at work program get direct deposit get XXXX I will send this to them again and see if they reply
Complaint sub-issue: Debt was paid

There was a medical bill that was covered by Department of Human Services under my insurance, I've contacted the  hospital and the insurance company who agreed that the medical bill was covered. 

If the hospital failed to submit the bill to the insurance company last year, that's not my fault. 

Below is the insurance I had at the time and currently have now. 

XXXX XXXX Member number : XXXX Id number : XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Account status incorrect

Hi, my name is XXXX XXXX contacting the CFPB on behalf of my mortgage with XXXX Bank under the account # XXXX. As stated in their response in which I will attach within the last 24 months my account has not had a late payment reporting. Therefore, I am asking to have the in factual late payments that are reporting on my credit report as a late payment for XX/XX/XXXX, and XX/XX/XXXX to be removed entailing what they have responded in the previous CFPB dispute. The company has stated that I was never late therefore, they should have the all XXXX credit bureaus fix the appropriate information. Please see the enclosed documentation.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX I had a XXXX  at the XXXX XXXX XXXX in XXXX, Ohio. They made me pay {$100.00} up front before they would perform the XXXX, and give them an account number that the facility could draft monthly until the bill was paid in full. Three subsequent payments in the amount of {XXXX} were drafted XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That was the last draft until I received a notice in the mail on XX/XX/XXXX indicating XXXX turned in an outstanding amount of XXXX to XXXX XXXX XXXX for collections. On the statement from XXXX, it indicated that I had not made any payment to XXXX from the XXXX date of XX/XX/XXXX to present which is absolutely false, incorrect and a misrepresentation of the facts. XXXX did not auto draft the final amount from my account as they indicated, then proceeded to turn me into collections. I am not disputing the final amount owed of XXXX per my EOB 's from my insurance company I definitely owe them that outstanding amount and have made every attempt to pay XXXX directly. My issue is a ) they turned the amount into collections completely misrepresenting that I had made no payments, and b ) they refuse to let me pay the bill without going through the collections agency.
Complaint sub-issue: Fee problem

First of all I will admit I overdrew my checking account because of an emergency XX/XX/2018. It was my payday and that morning I withdrew XXXX dollars from the atm on the corner of XXXX XXXX   and XXXX XXXX XXXX in XXXX  ohio. I had to automatic payents for XXXX and XXXX dollars and than I made a purchase at XXXX  and for XXXX dollars and a purchase of XXXX at XXXX XXXX. this was all done before XXXX XXXX. Later on that day I made a purchase for XXXX at XXXX  due to an emergency which I admit overdrew my account by about XXXX. The emergency XXXX purchase was the last time I used my account. I checked my account the morning of XXXX  XX/XX/2018 and I had four overdraft charges and the XXXX dollar transaction was still pending. I immediately called pnc to file a complaint about this. On XX/XX/2018 the transaction for XXXX that caused the XXXX overdraft cleared and I was charged another overdraft fee. So one XXXX dollar overdraft has now cost me five XXXX dollar overdraft fees totaling XXXX dollars and one continuous overdraft fee of XXXX dollars for a total of XXXX   dollars in fees and counting. On XXXX XX/XX/2018 I received a call from XXXX XXXX which I missed who is from pnc 's fee escalation center, yes they have a special department to deal with their escessive fees. I called the number and was connected to mr.XXXX XXXX and when I asked for XXXX  he said she was not available and he would be able to assist me. I explained the problem to him and he informed me the the fees where charged correctly and what had happened is that they had spread the overdraft out over FOUR TRANSACTIONS TO COVER IT. I said that is not how banking works in this country and informed him that I would be filing a complaint with the cfpb.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/21, I called Citibank requesting details about my recent scam transaction that I need to provide to the XXXX XXXX police. My case is currently with XXXX XXXX. I specified that I need a statement from the bank showing my name, my bank, my account, the date of the wire, the amount of the wire, the person receiving the wire, the bank receiving the wire, and the account receiving the wire. I know all those information myself! I just need a statement from the bank! And I told the representative that I have the bank statement but the bank statement information isn't enough since it only states the date of the wire and the amount but the person receiving the money and the bank receiving the money is not there. Citibank said they will email me the details but they send me the bank statement. Then on XX/XX/21, I called again. They still send me the bank statement. On XX/XX/21, I called again and they still send me the bank statement regardless of what I specify. This is a criminal case that I am chasing after and they are delaying it! I AM REALLY ANGRY. I am not asking for someone else 's statement. I am asking for my OWN statement with DETAIL and they CAN NOT provide a statement of their OWN bank. How can I trust Citibank have my best interest in mind when I already opened up several investigations with them and they keep closing them on these same few wires? I am VERY DISAPPOINTED and FRUSTRATED and EXHAUSTED about this. How many phone calls do I HAVE TO CALL? How many more people do I have to speak with and they give me same superficial answers and still not do what I ask for?
Complaint sub-issue: Denied request to lower payments

The company name involve is XXXX  XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Finance a used vehicle : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Reach out to the company the next day which was XX/XX/XXXX to Unwind deal which they said they cant do. I also brought up the Contract cancellation option agreement stating i can return the vehicle back by XX/XX/XXXX XXXX or a mileage less than XXXX. This is something that can be chooses between Accept and Decline. When signing paper I get I have a responsibility of Reading what i sign but Iam a first time buyer. I didnt know what i was doing/ signing for nor did the finance guy explain what i was signing for. He told me to sign everything that had the highlighted portion so i did. I did realize within the highlighted proportion i was given option until the next day. 

I contacted today ( XX/XX/XXXX ) again to reach out that I can not Insured this vehicle. I was unaware when leaving the lot to home that the vehicle wasnt insured. After many attempts on finding low insurance. It was hard to find insurance company to accept me. 

As of right now I can not insure this vehicle and if so I can not afford it. Insurance offer to me is more than the actual payment of the vehicle. Insurance looks like XXXX. My payment for the vehicle is XXXX. 

I honestly gave every correct information on gross income and everything when looking for a car. 

I came in to the dealership to buy another car that i kept in contact that they had but when i went they said they sold it when i got there but they have other options than proceed to sell me a car that was 2 time better than what i came in. Iam XXXX XXXX  of gon na take on a XXXX car payment which if i want to drive gon na have to seek ridiculously amount of car insurance on top. 

There should be a law or something in place for a certain age to look at vehicle or buying a vehicle for a certain price. Like maybe an authorization. Again Im XXXX XXXX XXXX, first time buyer. I liked the car but realize it was a mistake. Tried everything to unwind the deal and give them back their car but nothing happened. I did a trade in for my other car. I would like to give back there car and them to give me back theirs. 

I mess up I realize and i need help. These people there were the nicest people they were very pushy and i was definitely taken advantage of. I need help thanks
Complaint sub-issue: Deposits and withdrawals

My PNC Savings Account has been attacked by unauthorized ACH Fraud. Starting XX/XX/2019 - today XX/XX/2019 I have had {$8000.00} taken from me as a result of the ACH fraud. Secondly, this has also had an effect on my PNC checking account where money was beginning to be transferred out due to unauthorized ACH fraud. All items marked in the account activity as ACH are fraudulent.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, XXXX, I learned that Equifax had been breached by an outside source due to a lack of security in their system. Items such as my Name, DOB, SSN, Address, and Driver 's License Number, may have been leaked and could be in the hands od people with malicious intent. Through reporting by the news, it appears Equifax learned of this breach on XXXX XXXX, XXXX, but did not report it to the public until XXXX XXXX, XXXX, a whole month after the company learned of the breach. 

To rectify the issue, Equifax has set up a website to allow consumers to view if they were involved in the breach. However, this website uses the very information that was stolen to verify my identity so I am unable to safely secure my account. To date, Equifax has made no attempt to notify me personally that my information may have been part of the breach by mail or by phone. Had I not seen this reported on the news, I would have had no idea I was at risk. 

This breach has set me up to be at risk of identity theft for the rest of my life and may even affect my heirs handling of my accounts upon my XXXX. The best way for me to be protected from this breach will require me to freeze my credit at the 3 major credit bureaus for the rest of my life.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date reported is inaccurate.this is grounds for removal. They also violate my rights under 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 : states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.
Complaint sub-issue: Company closed your account

Hello, I am very disappointed in citi bank. I opened up an online account XX/XX/2022 and received the card XX/XX/XXXX. I activated the card that sunday which was the XXXX. I then transferred my money from cash app to the citi bank card, which was XXXX XXXX later that day I tried to make an deposit of XXXX $ and it said invalid card. I tried is 3 times. it said the same thing. Then, I tried to transfer XXXX back into my cash app card to use it and it said contact your bank because it coud'nt be transferred. I called the citi bank and they told me they blocked my account because there were restrictions for cash app and XXXX. I was confused because I was never notified about those restrictions. I cried to them begging them because I don't have any money now. I told them that money was for rent they then told me sorry I have to wait 60 business days for a paper check. They hung up on me with no resolution. Very rude and out of order. Monday, XX/XX/XXXX. I had to call out of work with no money and walk to the citi bank. I spoke to the teller, and she called the fraud department. They were saying I have to wait 24 hours for an answer. I called the following day and they said the same thing and hung up on me. I've been calling ever since. Still no resolution.
Complaint sub-issue: Transaction was not authorized

My account was charged {$3500.00} one XX/XX/2022, it is charged from my XXXX to a person named XXXX XXXX. I reported it fraud. But they didnt refund me and refused to refund me. They closed my old account but never refunded my money back.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX  I am demanding these accounts to be removed as I did not authorize or open these accounts.
Complaint sub-issue: Banking errors

I Completed the Citi Priority client offer that Citi Bank sent me for XXXX XXXX XXXX Aadvantage miles ( offer # XXXX ) - called Citibank and confirmed with Citibank rep all offer requirements met 4 mos ago and still Citibank has not credited my XXXX XXXX Frequent Flyer acct # XXXX the XXXX XXXX XXXX Aadvantage miles I earned. Citi bank rep even opened an investigation case 2 weeks ago : case # XXXX XXXX BUT still no response from Citi Bank on this. 
After looking online there have been many complaints about Citi Bnak not honoring their offer to clients that met offer requirements. Here is website with more complaints about Citibank unethical practices on this and other clients reporting this to CFPB : XXXX : XXXX Please take action with Citi Bank on this now to credit the XXXX XXXX  XXXX XXXX   Aadvantage miles I earned on their offer to me - as they are committing fraud offer and unethical business practices on this. 
Thank you