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

CKS reponsded to a complaint by stating the following : Company 's Response Thank you for the recent notification of the complaint filed by XXXX XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Upon notice of the complaint, a member of our Compliance Team conducted an investigation into the allegations. The result of that investigation and our response follows. We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. For concerns regarding how it is being reported to the Credit Bureaus we suggest XXXX XXXX XXXX to contact CKS Prime XXXX, XXXX directly. We invite XXXX XXXX XXXX to contact a member of our Compliance Team, if there are any questions. A member of our Compliance Team is available Monday through Friday from XXXX XXXX  to XXXX XXXX Eastern Standard time and can be reached directly at XXXX or at XXXX Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS Financial is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX  is showing its late 120 days with a balance in collection. The reporting again is inaccurate.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is a continuation of Complaint/case number XXXX. 

In the response from Discover on XXXX XXXX, 2020, they claim that the transaction was resolved and that a credit was posted to my account. To refresh you, I was trying to receive a refund for a cruise trip that was cancelled by the cruise line. The cruise line was violating the federal law and merchant agreement by not promptly returning the money I paid. 

In Discover 's letter, they claim that the refund was posted to my account. However, since the letter was written, Discover reposted the charge of {$4100.00} back on my account. When I called them about it, the claim that I am not due a refund and can not find the refund that was sent from the merchant, even though I have faxed to them paperwork from the merchant with the refund transaction information. 

I have made several calls to the individual who signed the XX/XX/XXXX letter, however, their voice mail box is always full and messages left in the generic voice mail box have not been returned even though they state that they will do so within one business day. 

Thank you.
Complaint sub-issue: Deposits and withdrawals

CITI bank is keeping me from my own funds. I deposited {$250000.00} with them in XXXX to earn a reward offered for new savings accounts. On XXXX XXXX I began the process of withdrawing my money to invest it. I have spent hours verifying who I am with them on the phone. They asked a seemingly endless stream of questions and even said they must call me back in the middle of the call on an unrecognizable number that makes the whole experience feel very fraudulent and untrustworthy. They verified they could SEE the phone number from which I was calling but insisted that they had to call me on that number from a different number after which I was asked for the last four digits of my SSN. In a subsequent call, I asked a CITI rep whether the number from which I had been called from was a valid CITI number and the rep said the number was not a CITI number. Since I began trying to transfer my own money to the same bank from which it originated, I have repeatedly initiated phone calls to CITI with people who, while having difficulty speaking XXXX and sometimes having roosters crowing in the background, showed no empathy or concern other than scripted Im sorry for responses. Despite expressing being sorry, they subsequently engaged in hour-plus long phone calls that have been repeatedly dropped. After I correctly verified my 16-digit debit card number, PIN, last four of SSN, address, account number, purpose for the withdrawal, and so on, I incorrectly said that my wife was also on the account. I had to spend another hour to get back to that point with a different phone rep. To date, after 16 days of trying, I had one wire transfer go through ( the limit is apparently {$500000.00} per day ), Ive had one wire transfer get canceled for undisclosed reasons ( today after 75 minutes of verification ), and one is still pending despite over 1 hour & 15 minutes on the phone today before CITI dropped the call. After over two weeks, this bank has transferred only {$65000.00} of my {$250000.00} back to me. I need help. They mention that their concern is fraud protection, but it is my money. I have more than adequately verified who I am, and I am only trying to transfer it to the same legitimate bank account in my name from which CITI received the funds in my CITI savings account. They did not block my two transfers of {$100000.00} and {$150000.00} into CITI but they are unreasonably blocking my efforts to recover my money. PLEASE HELP ME
Complaint sub-issue: Account status incorrect

I was on medical leave, missed one credit card payment, XXXX late, to XXXX XXXX XXXX XXXX. As a result of that one error, a different card reduced my credit limit to the balance on the card, which was 50 % of the original limit. After that one did it, three more did it, reduced all limits to the balance on the card. Domino affect, bad credit rating, and a false report that says 'excessive spending maxing out cards. '' I did NOT spend the max, I didn't spend ANYTHING, but the cards all decreased the credit limits. Which then jacked all my interest rates.

The algorithms used to report are faulty. If you make ONE error, you should not be robbed and gouged by other companies.

What is the law that protects consumers from this faulty scoring, which says " over spending '' when the credit card companies caused the appearance, by lowering the limit to the balance on the account? One of the accounts had a {$15000.00} limit, I owed $ XXXX, they dropped the limit to $ XXXX, immediately making appear I'd been running around spending all the credit limits. 

HOW DO WE FIX THIS? I NEED HELP. I managed to make it through the pandemic and not declare bankruptcy, even though I was out of a job for a year, with proof of job search daily. when I DID get it a job it was at 50 % of my previous salary. And still, I managed to survive without being lazy, AND I got no help from taxes or any other government funding. 
THIS FAULTY ALGORITHM AND CREDIT CARD COMPANY FRAUD is even more destructive.
Complaint sub-issue: Personal information incorrect

As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

- XX/XX/XXXX fridge installed, Order # XXXX - XX/XX/XXXX contacted XXXX XXXX as directed by delivery agent because there was no freezer handle. In addition there were scratches on the unit from the packaging and instillation. 
- Best Buy was unable to request a freezer handle from the manufacturer and ship it to me. I had to contact the manufacturer myself and get a freezer handle. For the inconvinece they offered to price match a competitor. 
-For the scratches, if I kept the unit they offered a 10 % discount -Total discount of {$560.00} was supposed to be credited to my BEST BUY credit card, which was used to make the purchase. 
- I have received two billing statement and still received no refund. 
- I received emails on XX/XX/XXXX saying they processed the refund, but nothing. 
- I have called them on XX/XX/XXXX, XXXX, XX/XX/XXXX to try and resolve I also chatted on XXXX XX/XX/XXXX In all instances I was on the phone for over an hour or chat and they all said they didn't have the authority/ability to refund. One supervisor did state he didn't care that a previous team member made the agreement, he would not honor and would not escalate further. At this point I would consider this a bait and switch to keep a damaged unit.
Complaint sub-issue: Frequent or repeated calls

This company is trying to collect an invalid debt to begin wit, also when she called me, she gave a brief statement about attempt to collect the debt and followed with you have {$5000.00} medical bill, would you like to pay that tonight? She did not verify my identity or anything to ensure I was me. She definite failed proper authentication and verification procedures. I told her the debt was not valid as I have told this company before and I am in process of disputing their removal from my credit report. Also the 2 accounts I have for them on my credit bureau are for {$0.00} and {$130.00}, not over {$5000.00}.
Complaint sub-issue: Don't agree with fees charged

I had a Stafford subsidized loan that went into default. My servicer was Texas Guaranteed. They began garnishing my wages, and on top of the 3.5 % fixed interest of my loan, Texas Guaranteed saw fit to charge an additional 12.5 % each month as a " service fee, '' even though my HR department did all of the labor to complete the transaction and Texas Guaranteed just passively took my money. I tried multiple times to transfer my debt to another organization, but Texas Guaranteed refused to relase it. The debt is now paid in full, but the account still shows delinquent on my credit report. If this is n't a crime, it should be. Somehow, my generation and income bracket ended up being the first people in history who actually had no way of getting out of debt without being subjected to the abuse of a private debt collector. Even bankruptcy would n't have saved me. I was n't even an adult when I ( actually, the signature on the MPN was forged by my mother ) signed up for this loan. I was unfairly pushed into the idea of signing up for the loan by an education system that misrepresented the return on investment that it would provide, and the loan was approved without consideration for my ability to repay because it was guaranteed that I would be compelled by the U.S. federal government, without recourse.
Complaint sub-issue: Account status incorrect

I applied for a credit card with XXXX XXXX XXXX XXXX and was turned down i believe for information that is False. XXXX  company stated that my Equifax credit report shows Serious delinquency and my length of time with credit is too short. Please see the below attachments. Moreover, my credit score is XXXX. Please reconsider your decision based on my information provided. I attached information showing that i have nothing in collections and I have XXXX  years worth of credit! Equifax is reporting False information. This dispute is with Equifax.
Complaint sub-issue: Card opened as result of identity theft or fraud

Sometime in XXXX or so a us bank card was opened in my name when I found out about it I reported it to the police and filed a report and a ftc report. The credit breaks removed it. Sometime in XXXX US Bank has been reporting back the the credit union as a valid account which is untrue. I need them to quit doing this immediately and remove it
Complaint sub-issue: Didn't receive advertised or promotional terms

Follow up on Compliant : XXXX Did not receive Account opening bonus of 50,000 points ( after {$3000.00} purchases ) as explained in the letter received XX/XX/2022 after many inquiries. 

Finally received the letter from US bank that said my puchase of {$170.00} from XXXX XXXX did not count as purchase requirement because it was a " Transaction to Purchase currency ''. However, I bought a gift coin set, it was hardly a currency transaction as the dollar demonination of the purchase was {$2.00}. 

It was highly unprofessional to notify the reason after so many inquiries due to a relatively simple gift purchase that was not being counted. 

It is deceptive and inaccurate to count such gift purchases as " transactions to purchase currency ''. As a cardholder without any intentions to defraud the bank, I am greatly disappointed as how this is how a customer is treated.
Complaint sub-issue: Account information incorrect

I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on XXXX, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on EQ. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( XXXX  ) XX/XX/XXXX and XX/XX/XXXX 3.EQ reported 30 days late XX/XX/XXXX when the account was not. EQ also reported 60 days late XX/XX/XXXX and the account was not. ( XXXX ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( XXXX ) ( XXXX  ) ( EQ ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.
Complaint sub-issue: Information belongs to someone else

The three credit bureaus keep reporting a fraudulent address on my credit reports.
Complaint sub-issue: Used obscene/profane/abusive language

I received several calls to my cell phone and home phone as wells calls to my parents and brothers trying to collect a debt for a company named  XXXX   XXXX  that I do not know. I explained to her that I do not know this company nor I am aware of any commercial transaction between that company and her client. But she did not accepted my explanation and keep harassing me and my family threatening me verbally and unjustly for a claim that I have no idea about it
Complaint sub-issue: Problem with personal statement of dispute

I have sent a dispute out to XXXX, Equifax, and XXXX  that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed a fraudulent inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I submitted my dispute to equifax via the cfpb. They did not respond there but sent me a letter asking me to verify my address, place of work, and ss. Via the mail. The dispute was submitted XX/XX/XXXX. It  was a complaint into Equifax 's miss handling of a complaint that took longer than 30days to respond, yet it is still on my credit report. I can not speak with anyone on the phone cause the system does not recognize me. It feels like this was a malicious attempt to prevent me from communicating with them, when they fail to notify me with in 30 days, and now they dont want to deal with the issue they created. 

I have attached the original disputes, which have the paper trail of how  they handled the dispute originally. Then when brought to thier attention, I filled an additional dispute against Equifax for taking more than 30day, to which the disputed the validity of the dept, instead of what the dispute was actually about, and I have included the letter they sent which contains a typo n my address. So I can not very what they are asking for, cause it's not true. This is what they sent instead of calling me, or actually handling the dispute sent. I did not include the dispute submitted on the XX/XX/XXXX, because it was already a dispute from over 60 days ago that they have yet to properly address. 

They need to own up to thier mistake and remove the item from my credit as well as fix thier system tmsobthat I can reach them on the phone. 

This is absolutely ridiculous how long Equifax is taking to handle something that started over 90 days ago. And now it's like trying to work with children who dont want to do thier chores. Get you act together equifax you cant provide XXXX pore service, and then play games instead if owning up to your mistakes and eating the cost.
Complaint sub-issue: Can't use card to make purchases

As a former XXXX XXXX for 36 years, I am writing to report what I feel are unfair and deceptive acts or practices made by both Citi Bank and XXXX XXXX. 
I recently received notification from the banks referenced above that my credit line has been lowered due the reasons listed below : Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Lack of recent installment loan information Amount owed on revolving accounts is too high Time since most recent account opening is too short This deceptive practice is balance chasing which means that instead of freeing up credit, the customer has less available credit due to the lower credit limit. The banks are beginning to engage in this practice to limit their risk by reducing the amount of a particular borrowers available credit. 

Balance chasing is more likely to occur if the cardholder makes larger payments or may appear to be a high-risk borrower who makes late payments or defaults on other credit cards or loans. An unintended consequence of balance chasing is that even though debt repayment is responsible consumer behavior, it can make it difficult improve a credit score, such a FICO score. 

Another issue with this is that my credit utilization has increased since the banks reduced my credit line. It has also impacted my credit score making it much more difficult to be approved for credit so that I may consolidate my debt as I have done in the past. It is just a matter of time before I see a rate hike due to this unfair practice. 
My credit history has been solid, so it is not clear to me as to why there is a lack of recent installment loan information seeing that I had two automobile loans from XXXX XXXX XXXX XXXX and XXXX XXXX and was paid in full on XX/XX/XXXX and XX/XX/XXXX, respectively. 

Please note that as of XX/XX/XXXX my credit score was XXXX and is currently reporting at XXXX as of XX/XX/XXXX. I have always made my payments in a timely manner and my credit has remained in good standing for many years despite what is stated above. 
The average age of my accounts is 7 years and 5 months with the oldest account 17 years and 6 months. 

My newest account was opened recently at a furniture store back on XX/XX/XXXX. I also had two personal loans I took out with XXXX XXXX that were paid in full as of XX/XX/XXXX and XXXX XXXX, XXXX. 

I understand that the economic conditions have worsened due to the COVID-19 pandemic and that may be a reason for banks showing their reluctance to lend. However, consumers that reflect a solid credit history with favorable credit scores should not be penalized. This appears to be another tactic to raise their interest rates and bottom line.
Complaint sub-issue: Public record information inaccurate

I submitted a certified dispute letter to Equifax Credit Bureau, XXXX  and XXXX. The letters were confirmed received on the following dates to XXXX  on XX/XX/2021, XXXX  on XX/XX/2021 and Equifax on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with XXXX parties. With that being the case there is no way that this could have been verified and I would like to have it removed.
Complaint sub-issue: Debt resulted from identity theft

5 years ago my identity was stolen. XXXX opened an account for the person who stole my id. {$200.00} was charged in telephone calls. When the bill was not paid, XXXX contacted me. I did not know my id was stolen. I immediately filed a police report with XXXX XXXX Tn police dept. I filed a form with XXXX to explain that my id was stolen and sent them a copy of the police report. 2 years later XXXX attempted to force me to pay the debt through a debt collection company. I again submitted the police report. Now 5 years later and XXXX is again demanding payment through their debt collection company afni. They harrassed me with phone calls and many many mailings demanding money. I am sure XXXX wrote off the {$200.00} 5 years ago. Now they want me to get a new police report and send them all my info again, for something that happened 5 years ago. And this is the XXXX time they are demanding this info. This is pure harrassment. They wait 5 years to demand money again. The afni has sent many letters demanding money. They said if I do n't fill out a new report they will continue to demand money.
Complaint sub-issue: Account status

I notified Equifax in regards to information that is not accurate on my report. I have written to Equifax XXXX times over this issue. I was in dispute against XXXX until I received a cancellation. I did not receive an involuntary repossession, this was a disputed account.