Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I called US Bank because they negatively reported this account to the credit bureaus without my knowledge that the account was missing payments. They were sending my statements to a different address so I never received proper notification. I also was experiencing a hardship due to COVID-19. I called US Bank about the credit reporting issue and made a payment to bring the account current. I was told by a manager that they couldnt do anything about the credit reporting. I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when I wasnt contacted about the status of the account.
Complaint sub-issue: Problem with rewards from credit card

I have a Citi Premier credit card that I have had opened for several years now. When my annual fee came due approximately 4 1/2 months ago, I called in to cancel the card. To entice me to keep the card open, I was offered a promotion wherein I would receive a statement credit of {$95.00} for spending {$1000.00} on the card in each of the next 3 months. In addition, I would receive XXXX bonus ThankYou Points for spending {$1000.00} on the card in each of the next 3 months for a total of XXXX bonus ThankYou Points at the end of the third month. I completed all requirements under the offer and was provided the {$95.00} statement credit as agreed to, but only received XXXX bonus ThankYou Points despite meeting all the required criteria. 

I reached out to Citi on two occasions to get this resolved and was told that the {$95.00} statement credit and XXXX bonus points was what my account was enrolled in. While that was on option, that was not the option I selected on my phone call with Citi when the offer was made. I explicitly had the Citi representative read back to me the terms before agreeing to the offer, which he did, and which clearly stated that I was to receive XXXX bonus points for every month I spent {$1000.00} on the card for a total of XXXX bonus points.
Complaint sub-issue: Can't get flexible payment options

I am a XXXX Veteran, XXXX. XXXX. All my federal loans were forgiven with no problems, but this private loan through AES/NCT has been a nightmare that wo n't end! I have talked to someone many of their representatives I have lost count ... everyone of them all agree that what their company is doing to me is wrong! But I can never get in contact with anyone that can make any decisions, my original loan was for $ XXXX and have paid on it for about 10years and I still owe around $ XXXX+ on it. And I can no longer afford to pay for it, it is either food for my XXXX boys or this loan? So it 's not a hard decision for me to make but it 's just ridiculous that this company enjoys to profits off of me and XXXX others in a country that I defended for 10 years +, so they could continue that right .... but they ca n't even cut me a little slack ... it makes me sick that this can happen in the country I was proud to go and risk my life to defend! Please anyone help in anyway that you can, it has gotten bad enough I have resorted to begging .... a warrior brought to his knees by a corrupt corporation! Remember the companies are : American Education Service and National collegiate Trust!! Modern day extortionationates.
Complaint sub-issue: Information belongs to someone else

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

Account Name : credit collection serv Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : 11 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : XXXX XXXX Account Number:XXXX Date Open:XXXX Balance : {$630.00} Account Type : Collection Account Name : 11 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$630.00} Account Type : Collection Account Name : 12 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$590.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance XXXX {$590.00} Account Type : Collection Account Name : XXXX XXXX card Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$130.00} Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$340.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date Open XXXX XX/XX/XXXX Balance XXXX {$2300.00} Account Type : education/installment account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance : {$4900.00}, {$6100.00}, {$5000.00} Account Type : education/installment account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXXBalance : {$2300.00} Account Type : education/installment account Below are companies who put fraudulent and unauthorized inquires on my credit report. 

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX us, XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

By XX/XX/XXXX I have it on my account two balances a Loan ( flex Plan ) for XXXX ( 60 monthly payments ) Promotional Balance ( Purchases ) for XXXX at the moment to make the payment the system give me the folloqing option to pay " Option 2. This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in future months '' I selected that option and paid a total of XXXX, the payment was applied totally to the Flex Loan By XX/XX/XXXX I Made two purchases under the same option ( Flex ) One for XXXX and other for XXXX. ( both to 6 monthly payments ) I returning the XXXX purchase and instead to cancel that balance the returning balance was applied one more time to the higher amount with the longest payment period I has been charged for interest in all those errors I has call 4 times with an average of wating time over an hour. to get the last answer about to call my lawyers so this is my first step and i hope get your help
Complaint sub-issue: Their investigation did not fix an error on your report

Privacy and Confidentiality under 15 USC 1681 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 an 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: Attempted to collect wrong amount

I have XXXX bill for XXXX I was contacted by XXXX-Jefferson Capital and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. 
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. 
I made a payment on XX/XX/2019 and XX/XX/2019. 
I just got a notice from XXXX  that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. 
I upheld my part of this arrangement. I am making the payments. Jefferson and XXXX are not upholding their part of the agreement.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I recently disputed inaccuracies with the CB. The credit reporting agencies stated that my accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requested to know all the steps your agency took to insure the items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX {$2100.00} ; XXXX XXXX Balance Owed : {$0.00} ; US DEPT EDXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XXXX Owed : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Received bad information about my loan

I applied for the REPAYE plan on XXXX/XXXX/2016 and had numerous issues with Fedloan servicing and there policies. Fedloan finally resolved my issue and CORRECTLY processed my REPAYE plan today XXXX/XXXX/2016. However, when processing my REPAYE plan fedloan changed my due date from the XXXX to the XXXX without my permission and I want my due date to remain the XXXX and not mess up my {$0.00} IDR payment. Furthermore, I have XXXX loans in GRACE period, according to fedloan I will need to reapply for REPAYE once those loans enter repayment because they can not process an IDR plan with an app older than 60 days. That being said, they are contradicting themselves because they just processed REPAYE today XXXX/XXXX/16 with an app older than 60 days submitted on XXXX/XXXX/2016. Additionally, this is not a XXXX guideline, if I was to reapply for REPAYE I would essentially be recertifying my income which by then WILL NOT change thus re-disclosing the terms of my IDR plan. Fedloan should be able to use the same app and proof of income as per REPAYE needs to be aligned across all of my loans and my income will not change. I want fedloan servicing to process the REPAYE plan on my newer loans that are in GRACE once they are within 45 days of repayment. I do not want to reapply and go through all of this nonsense again. I know my rights and I am very familiar with student loan practices and other XXXX practices and fedloan is not following them. Please make my life easier and do n't make me reapply for REPAYE for my loans in grace when I know you should be able to use the same app since it is in the same repayment period. It is not my fault if your system is not capable of processing functions up to the XXXX standards.
Complaint sub-issue: Their investigation did not fix an error on your report

The 3 credit reporting agencies have the power to ruin your credit without abs repercussions. I have repeatedly asked them to remove items off my credit report that I know I dont owe. I asked them to remove all those names of my credit report, it hasnt been done, I have asked them to remove addresses that are not mine and they have not done it yet. You E here to protect my rights as a consumer and I feel this is not happening. This has been an ongoing issue for XXXX XXXX  people since close ever. Stereotyping me is not only unconstitutional it needs to stop. Youre here to help, but I noticed this is not whats happening. I have yet to receive one piece of concrete evidence in regards to any of these matters. Yet my credit report looks like XXXX, no matter how hard I am trying to clean it up. The huge difference in the scores are unbelievable, Equifax has me at XXXX, XXXX has me at XXXX, while XXXX has me at XXXX. Please explain how can this be so off with them, yet everyone uses them for accuracy in getting my credit score. I have tried to call them repeatedly, their customer service representatives are rude, disrespectful and unprofessional. They feel they can do whatever they want because no one has challenged them to the full extent of the law. Enough is enough abs this has gone on for way to long. All Im asking is for you to do your job and help me as a consumer without leaning over to their side. This does not help me. I need this problem fixed right now and I dont want to keep asking. Im a XXXX Veteran with XXXX and a XXXX XXXX my rights have been completely and utterly disregarded.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I had recently made an arrangement for a payment plan to pay my outstanding debt over a period of 6 months. My first payment was {$50.00}. I had missed my second payment and was told by the debt collector company that if I were to have another returned payment, that they would press charges for an attempt to defraud. They have since communicated with my family and discussed with them about my payment history with the company and the amount that I owe.
Complaint sub-issue: Their investigation did not fix an error on your report

Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX XXXX XXXX   {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I sent in an extra payment of {$50.00} USPS tracking number XXXX to the overnight payment address but they did not credit my account but they cashed the money order on XX/XX/XXXXXXXX XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Placed for collection XX/XX/2020 and this company is reporting inaccurate information on my credit report saying that i owe {$700.00} wihich i havent even did ant business with this company.
Complaint sub-issue: Account information incorrect

In the recording with the fair credit reporting act conversion account number XXXX XXXXXXXX XXXX XXXXXXXX and account number XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1518 section 602 a state I have a right to my privacy 115 U.S.C 1618 section 604 2 also states a Consumer reporting agency can not parish XXXX account with out my writing construction.
Complaint sub-issue: Problem with balance transfer

I have already submitted this complaint ( Complaint Number  XXXX  ), however I am unable to log on to CFPB for status using the email address I have provided. Also, the information on the submitted complaint had one inaccurate information, which I have contacted  Discover to resolve the matter prior to submitting complaint here, and Discover was unable to resolve the matter.   <P/> P rior to opening Discover credit card, I have spoken with a representative/Account representative with Discover a nd confirmed that the balance transfer fee would be 0 % if transferred by  XXXX     2017.  However, when I received the credit card and signed up online for the transfer, it had 3 % fee for balance transfer if transferred by  XXXX     2017. He nce, I 've contacted Discover and the service rep/account rep told me that there was nothing they can do about it because that was what was approved for me. This sounds like bait and switch tactic. I feel mislead.  <P/> P.S. My husband received an offer for 0 % balance transfer fee, which is why I had attempted to  open Discover, and prior to opening credit card with Discover, I have spoken to Discover account  rep for this same offer, which he said yes.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please investigate and verify the following information. If these accounts can not be verified please delete them. Also, delete the incorrect address in my report and I did not authorize these inquiries.
Complaint sub-issue: Billing problem

I made four payments in the month of XXXX and XXXX. They only applied one payment. I sent them bank statements and have been trying to call them multiple times and every time after waiting hours they hang up on me!!

Theyve reported late payments for the last two months and my credit score has dropped XXXX points!!!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX opened a fraudulent savings account in my name. After learning of the fraudulent savings account I am mediately froze my three credit bureau reports and contacted the credit union. Someone from their staff informed me that the information would be removed from my credit file and that they had received the dispute from the credit reporting agencies. Shortly following the conversation with one of their representatives I received a letter from the credit reporting agencies telling me that the information was verified. I attempted to contact them again but to my avail no one would return my phone calls after being transferred to numerous voicemails. 
Finally I spoke with someone in their freight department who had informed me that once again they had received my dispute from the credit reporting agency but they would not remove the account because they acquired my ID. Additionally I asked what was causing the balance on the account and they informed me that it was a fee. I asked them if they could remove the fee to have the information removed from my credit report because it is reporting negatively. They are refusing to remove it from my credit report because they say they are saying the {$30.00} fee is in another department even after I explain to them that I was not the one to open the account. They have refuse to delete the account from my credit report although I have submitted FTC reports along with a police report to them and the credit reporting agencies. They told me that my police report was insufficient and that I needed to come to Kentucky although I live in Ohio and traveling to Kentucky would not be an option. I have never done business with them and did not authorize the opening of the incorrect account on my credit file.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Account information incorrect

Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. 

After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. 

I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through Credit Karma which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX XXXX for a student loan refinancing opportunity due to a negative account. After looking at my Credit Karma report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for XXXX and XXXX for XXXX. Noticing that XXXX was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. 

It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.
Complaint sub-issue: Their investigation did not fix an error on your report

we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.
Complaint sub-issue: Overdrafts and overdraft fees

Key bank will get you with an overdraft fee at every turn. Even if I deposit money the same day the account is overdrawn I am still getting charged a fee of XXXX Which has gone up XXXX dollars and XXXX cents in the past year from {$35.00}. They say it is not possible to stop the account from overdrawing which is completely unreasonable.