Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

When I was reviewing my credit reports on XXXX, XXXX and Equifax I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.
Complaint sub-issue: Transaction was not authorized

I was informed by XXXX that someone attempted to use the card in question. 

In addition to that there was a total of $ XXXX dollars taken from this account by someone other than myself. I don't want the money but I would like to have some kind of response from this bank who operates under some kind of federal contract, what a travesty, that they acknowledge their misgivings and close this account to never hear from them again in life. This episode happened in 2021 I called number after number NO ONE ANSWERS THE PHONE, neither Co-America Bank OR Direct Express. 

I sent this letter dated XX/XX/2021 special delivery return receipt requested I got document from them later in the year 2021 which was something like when you open an account nothing addressing my issue, my complaint.
Complaint sub-issue: Charged too much interest

This is a continuation of prior complaint # XXXX I have spoken with the company Elan again several times plus received a written response to prior complaint. 

I have now verified, and the company confirms, that they are charging me {$530.00} for accumulated interest and fees due to a payment from XX/XX/2019 that they assert was 1 day late, and which I was never made aware of because the statements they have been sending me showed a XXXX balance. They claim that the XXXX balance showing up on the statements they have been sending does not reflect the actual balance as there were 2 'accounts ', even though I have only 1 credit card. The original late fee and interest charge was approximately {$50.00}. So they are charging me > XXXX the original charge, because I never paid it, because I never knew about it. 

The company so far refuses to issue a credit against this charge, even though I have been fastidious for 30 years and have paid for all purchases made within the billing period, so that until this incident I have never paid any late fees or interest. If they had communicated to me letting me know about the fee/interest charge at the time it originally occurred, I would have paid it then. Instead, they maintained the deception that I had a XXXX ' balance every month on the statement they provided. 

I feel this is a case of a deceptive business practice. The company deceptively sent me statements showing a XXXX balance when they were actually continuing to charge me interest on an 'unpaid ' balance that was hidden from me. 

Additionally they have been unwilling to remedy this situation with a fair solution which would be to credit me for the charges. I have faithfully paid for all purchases on time. The disputed charges are only interest being charged by the credit card company on a balance I wasn't aware existed because they deceptively reported my balance was XXXX. 

If they do not remedy this situation, I would have to recommend that others stay away from this company 1st because they were deceptive about what they were doing, and 2nd because they refuse to remedy the situation in a fair manner.
Complaint sub-issue: Problem getting your free annual credit report

Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : XXXX, XXXX, Credit Karma, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.
Complaint sub-issue: Not given enough info to verify debt

I noticed on my credit report that there was a strange addition of negative information, so I called the company listed. They identified themselves as BC Services upon my phone call on XX/XX/XXXX. I asked what the debt was that they were reporting and they claimed to have called my number in XX/XX/XXXX. I have no record of contact at that time, nor do I remember speaking to any debt collector. I asked to speak with a supervisor and the supervisor was aggressive. I told him that I would need further verification of the debt so I can make an informed decision as a consumer. I told him I would be sending a letter requesting more information and his reply was that " I do not need to send a letter ... I can verify whatever you need over the phone. '' I proceeded to send the letter anyways so I could get the information I needed in writing. Today, XX/XX/XXXX I received a letter in response which was XXXX pages ( attached ) that tell me have no basis to verify both the debt, nor the information needed to verify BC Services right to collect on this debt. Their letter also indicated " Enclosed are the statements provided by our client that confirm the charges ; '' however, the letter did not include any statements. They only list that the charge is from XXXX XXXX and each of the XXXX pages indicates a different dollar amount. I feel that the creditor is trying to collect on a debt they do not have a legal right to collect on, based on the avoidance of submitting to me proof that they currently hold the debt and they have a legal right to collect on the creditor 's behalf.
Complaint sub-issue: Charged too much interest

Macy 's American Express charged a nonpayment fee on a waived late fee after I paid my full account balance ( minus the waived late fee ), resolved the late balance issue with their customer service under the belief that my full charge had been paid, and closed my charge card account. I believe that Macy 's American Express charged this fee illegally and as a matter of policy to receive additional payment. I believe they do this in order to generate additional revenue from closed accounts, specifically from consumers with previous late charges who are scared of damage to their credit score resulting from non-payment of this unearned charge.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I submitted an online application at XXXX mortgage giving permission to pull my credit for a loan. Two weeks later, XXXX pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. 

The following are the emails from XXXX mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. 

Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. 

Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. 

I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Complaint sub-issue: Information belongs to someone else

I was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have received repeated phone calls from CIG Financial for YEARS. 
They are looking for a person named, " XXXX XXXX ''. Each time they call, I inform them that I no one by that name resides here nor do I know anyone by that name. I then tell them to stop calling my phone number. 
Yet, they continue. This has gone on since I have had this phone number ( many years, now ). 
I have asked to speak with a manager or supervisor only to be put on hold indefinitely. 
The latest call was today, XX/XX/2019 at XXXX XXXX, EST. 
My caller ID says they are calling from XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact Hunters Warfield and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called Hunter 's Warfield in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted Hunters Warfield on XX/XX/2018 and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the National Legal Aid for assistance
Complaint sub-issue: Received bad information about your loan

I was told 5 years ago that in 2020 I could apply for the public loan forgiveness but now after waiting I was told the load I had does not apply. I spent 21 years in the XXXX, XXXX  with a XXXX % VA XXXX, and have been working for the XXXX for XXXX and I am amazed that the Department of education is run by the government advertises such a program that is such a scam to collect more money from people. I was told 5 years ago to keep paying and when I hit ten years to submit well after seeing them take {$350.00} of {$480.00} per month I was told I do not meet the requirements. Why are they allowed to continue this scam program? The way they are treating veterans and public service workers is a crime and has to be looked into. I am asking for your help to point me in the right direction to do this. Please help.
Complaint sub-issue: Attempted to collect wrong amount

The Hunter Warfield collects the money for The XXXX at XXXX XXXX. The XXXX at XXXX XXXX was greedy and expected me to pay more. Based on the contract, the XXXX Landlords duty did not complied with the building and housing codes. 
The mechanical room came out somethings has damaged the carpet. See the picture XX/XX/19. The water of the old plumbing system was very dirty, and not sanitized. See the picture XX/XX/19. These unsafe conditions were affected my health and made me sick. I had to suffer to stay there for 3 years. The XXXX Landlord knew these serious conditions and pretended to do the renovation. The XXXX Landlord sent the threatening letter and forced me to pay more or move out with a short notice dated XX/XX/19. The XXXX Landlord forced me to move out for their repair on XX/XX/19.
Complaint sub-issue: Fee problem

On XX/XX/18, I went to the local Bank of the West branch in XXXX XXXX, CA, and made an ATM check deposit of {$200.00}. After the deposit was made, immediate credit of {$100.00} was available. I used the same ATM to withdraw the {$100.00}. Nowhere on the ATM deposit receipt showed that they are putting a hold on my deposit, and after I withdrew my money, only {$100.00} was on hold and my available balance was {$0.00}. 

Over the weekend I tried adding the Bank of the West account to my XXXX app and requested bank verification letting XXXX initiate two micro deposits and withdrawals. This is a way for XXXX to verify that it is my account. My bank balance was still {$0.00} at that time. 

OnXX/XX/18, when I checked my account online, I saw that the {$200.00} deposit was on hold and my balance was at negative {$200.00}. Also they charged {$35.00} for withdrawing {$100.00} at the ATM as an overdraft fee. So it became overdrawn in the amount of {$130.00}. I called to get the overdraft fee reversed. They were willing to do it because my account was new and they allowed one fee reversal per year. Then XXXX made two small deposit amounts of {$0.00} & {$0.00} and they tried to withdraw those XXXX amounts and it was overdrawn after the negative balance. Bank of the West did not let XXXX withdraw {$0.00} & {$0.00} and charged two {$35.00} overdraft fees in the total of {$70.00}. 

I called to get the fees reversed after explaining to them what happened. I spoke to a couple of customer service representatives and they were unable to reverse any fees and asked me to go inside the branch to talk to the people there. 

On XX/XX/XXXX, I received a receipt from Bank of the West via regular mail that there is a hold that's placed on my deposit I had made on XX/XX/XXXX, and it is not going to be available until XX/XX/XXXX. And under the receipt it shows if I was not notified of the hold that was placed and my account was overdrawn then I need to contact the branch for getting the fees reversed. 

On XX/XX/XXXX, I went inside the branch in XXXX  XXXX and told them I was not notified of the hold at the time of deposit they said that they had called me to let me know about the hold. I asked them when and they said on XXXX. They said they left me a voicemail to let me know but never received the phone call or the voicemail. They said they didn't call me on XX/XX/XXXX to let me know because they were closed and reopened on XXXX. But I made a deposit during normal business hours and they were open on Saturday, XXXX, which they still didn't call me to let me know. And they can not reverse the two fees because only one fee reversal per calendar year is available and I already got my one out of three overdraft fees reversed.
Complaint sub-issue: Account information incorrect

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Credit reports of the XXXX bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Complaint sub-issue: Received bad information about your loan

My wife and I are the holders of an FFEL Joint Spousal Consolidation loan which was originated in 2006. When we signed the master promissory note for this loan, which, as far as we know, is still the contract for which this loan, it clearly states that if both parties are eligible for forgiveness, the loan will be forgiven. Both myself and my wife are public servants, our employment has been verified as such, and we reached our XXXX required payment for forgiveness under PSLF several years ago. We have been repeatedly denied PSLF with the rationale that joint spousal consolidation loans are no longer given, and can not be separated to be consolidated into a Direct Loan. As you can see in the attachments below, our master promissory addresses this fact, and states that these loans CAN be converted to Direct, and that if both parties are eligible, the loan can be forgiven. The only response we have received regarding this is that the " law '' does not allow joint spousal consolidation loans to be separated. We are NOT looking to separate our loans, we are looking for the forgiveness we are entitled to, both as public servants. Nowhere in our MPN does it state that we are ineligible. If I am being held to this MPN to continue paying these loans, then our loan holder and servicer should be held to the clause that states " if both parties are eligible, than the loan will be forgiven ''. I would like to see the specific law or language that prevents our loan from being evaluated for forgiveness.
Complaint sub-issue: Information belongs to someone else

" Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these accounts below be removed immediately. ''
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from XXXX XXXX XXXX Equifax indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.
Complaint sub-issue: Investigation took more than 30 days

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 - {$8700.00} HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX A XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

LoanHero has an account reporting negatively and the account is not me. I called them and was told they were unsure why that was reporting negatively because that company had been shut down.
Complaint sub-issue: Trouble with how payments are being handled

My loans were transferred to MOHELA in XX/XX/2022. I've submitted XXXX periods of employment for PSLF but MOHELA says I only have XXXX. I've emailed repeatedly and have been on hold on the phone for 2 hours just to be told that they can not find an account under my social security number, then the automated system disconnects me. I CLEARLY have an account, as I can see it when I log in to their website. No one will call me when I email. I can not get through on the phone. My PSLF paperwork is just sitting there. I should be eligible for forgiveness NOW. PLEASE HELP!!