Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

AFNI sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt that is not mine. I also received a call from a representative at the agency and I advised that the debt was not mine that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed. I have attached a copy of my ID Theft report and letter that was sent to AFNI certified mail.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a XXXX XXXX account reporting on my Equifax and XXXX  reports for over a year and the credit bureaus keep reporting inaccurate information on my reports like payment history, amounts owed that has gotten me denied for credit applications numerous times.
Complaint sub-issue: Investigation took more than 30 days

I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please
Complaint sub-issue: Information is missing that should be on the report

I spoke with the creditor ( XXXX ) and the account was to be removed from credit report. They said request was sent to Equifax. I sent request to Equifax to have account removed and it is still showing on credit report. This account needs to be deleted per the collection agency. I have spoken with Equifax and have not been able to get anything handled. 

XXXX XXXX XXXX XXXX, XXXX {$130.00} Original creditor : XXXX  ******************************************************************* I am asking for proof of debt. They have not valdiated this debt and will not show any proof that I owe it. Per credit reporting laws this needs to be deleted. This is my last attempt before filing civil case in XXXX XXXX Georgia XXXX XXXX Opened XXXX XXXX, XXXX {$6500.00} Original creditor : XXXX XXXX XXXX XXXX
Complaint sub-issue: Application denied

Im being discourage and discriminated from applying for a card on the bases of bogus reason. 
The law bars discrimination. 
This law protection means that a card issuer may not use any of the above grounds as a reason to do the following : discourage you from applying for a card.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I had booked nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX on XX/XX/XXXX for {$250.00} for a trip in XX/XX/XXXX. The trip was cancelled due to XXXX, but the hotel extended a voucher to me through XX/XX/XXXX. 

The hotel ( managed by XXXX XXXX and their bank XXXX XXXX XXXX  XXXX ) went out of business and was reopened under a new management company before my stay. I was contacted by the hotel a week before the trip and told that I would have to pursue getting a refund through Citibank. ( emails attached ) I processed a dispute with Citibank who sent me a form to complete and the documents required. I was assigned a case number and never heard from Citibank again. I continued to contact customer service by phone, walking into a branch, and through social media and NEVER received any mail, email, call, text, or any other communication. Sometimes, Citibank would send the same initial form as if it was a new case. I got different stories from customer service each time I called. A couple of times I was told Citibank would mail me information or the case was denied. An employee at my local branch assisted me in sending the appeal in case via fax. ( email chain attached ) I have documentation for what I have described here + additional text messages with the hotel management company further instructing me to work with Citibank plus a record of the times I reached out to Citibank including screen grabs of conversations.
Complaint sub-issue: Account information incorrect

Looking over my XXXX credit report i noticed that PNC Bank is reporting negative information about an account that was paid in full and closed. I have talked to PNC and they are staying their records are showing that everything is reporting correctly with no negative marks.
Complaint sub-issue: No notice of investigation status/result

I have an existing investigation with CFPB number XXXX I have received an email reply from Equifax with a new case number XXXX When I try to log into Equifax website to view the results or the status of the dispute, I am not able due to incorrect information and no access There is no information on the Equifax website on how to contact them, email or phone I would like to get some clarifications/answers : 1 ) With all the complains against this company, why are they still allowed to do business in the United States 2 ) Why is this company allowed to report on persons credit with the wrong information 3 ) Who do I have to contact or how do I get to have this company stop reporting on my credit and history, since the information provided is incorrect and of no help to my credit report and/or history
Complaint sub-issue: Seized or attempted to seize your property

ASG llc say my fiance owes a payday loan for XXXX. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.
Complaint sub-issue: Company closed your account

I opened this account in XX/XX/XXXX, when Citibank took over the rewards program for Best Buy. I experienced some financial distress in the 3rd quarter of XX/XX/XXXX and enrolled in a debt settlement program in which I actively negotiated debt settlement with 3 credit card companies ( but intentionally NOT this credit card - I liked the lower limits and the terms, and was easily able to pay off the card in full each month ). While in the process of implementing the program, I was advised to stop making payments to the credit cards I was trying to enroll in the program, and as such my credit took a hit. I have since resolved the situation and am working on repairing my credit. I actively paid off one of the 3 accounts I  was attempting to settle, and am current with all of my other payments. All throughout this process, I have never fallen delinquent on my payments for the Citibank card, and have paid the balance in full each month. 

I was very taken by surprise for them to decide to not renew my account this month. I was dependent upon this card as a part of my budget. Further - I was not given any advance notice of them deciding to close my account. When I went to pay my bill, I logged in and found that they sent me an electronic letter explaining that they reviewed my account and decided not to renew due to my credit score being what it was. And now, because my debt to credit ratio will be affected by them closing the account, it will further set me back with my credit repair process and will lower my credit score even more. 

I am unbelievably disappointed with Citibank, and would advise people to avoid opening accounts with them.
Complaint sub-issue: Charged too much interest

On XX/XX/XXXX I logged onto the website to payoff my credit card balance in full. Using the options on the site I selected the radio button that reflected my total balance due. I paid {$8500.00} on that day to pay my balance in full. A few days later I received a statement and disregarded it because I paid off my balance. 30 days went by and I received another statement. This time I opened the statement and I was shocked to find that Citibank charged me {$130.00} in interest on XX/XX/XXXX ( approximately 6 days after I paid off my loan ), {$35.00} in late fees on XX/XX/XXXX, and another {$2.00} in interest also on XX/XX/XXXX. I called and spoke with a representative who told me there is nothing he can do about it. I asked to speak with his supervisor who promptly got on the phone and told me after speaking with Citibank directly, there is nothing he can do and all the charges are valid and I must pay. He refused to even waive the late fee. I asked him how is it possible for me to be charged interest after 6 days after I paid off the loan even when I used the options to pay the balance in full on the website and he could not give me an answer. I asked for this matter to be escalated to his manager. He took my information and stated his manager would call back within 24-48 hours, which did not happen. I would like for these interest and fees to be removed from my account so it reflects a XXXX   balance as I paid this in full on XX/XX/XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

Opened checking account on XX/XX/XXXX under Bonus Code # XXXX. Deposited required {$200000.00} to receive {$1500.00} bonus. Maintained balance for required terms which were 60 days after the XXXX day after deposit of funds. Citibank had 90 days after that to deposit bonus. This should have been by XX/XX/XXXX. This date, AND the fact that I fulfilled all requirements was confirmed by MULTIPLE customer service employees in calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
On XX/XX/XXXX complaint reference code # XXXX was opened with no resolution. 
On XX/XX/XXXX complaint reference code # XXXX was opened and I do not, from previous experience, expect any resolution to that one either. 
Excuse after excuse has been given and, unfortunately, each leaves me with the knowledge that this company is the most ineptly run & managed Ive ever dealt with and they are bordering on, if not fully guilty of, deceptive practices at best!
Complaint sub-issue: Information belongs to someone else

I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.
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 : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Attempted to collect wrong amount

I contacted XXXX XXXX XXXX on XX/XX/19 regarding a letter I received in an attempt to collect XXXX. I asked if these claims had been filed through insurance and was told that it was simply too late to file ( regardless of the fact that I told her we had issues with our insurance company during the time of the claims ) and that this amount would be added to my credit report by XX/XX/XXXX if I do not pay regardless of payment arrangements. When I contacted the insurance company, they were more than happy to begin the process of refiling the claims as it was no fault of my own that they were denied. 

In my opinion, this was a deceptive tactic to collect monies owed rather than inform me of my options. She did tell me I could follow up with insurance, but then said it was too late. This felt like she was leading me not to follow up by saying, " At this point it's too late for insurance to be filed. Most insurance companies only have window of time that claims can be filed. Outside of that window they will be denied ''. 

XXXX also told me that they remove negative impacts from credit reports once they are paid in full, but I paid off a medical collection bill with them quite some time ago that still remains on my report after I was promised it would be removed.
Complaint sub-issue: Public record information inaccurate

Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$680000.00} XXXX XXXX - All tax liens have been withdrawn and should no longer be showing up on this credit report.
Complaint sub-issue: Was not notified of investigation status or results

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Complaint sub-issue: Other problem

Early in XXXX, 2017 US Bank sent a letter stating I contacted US bank to convert my XXXX XXXX card to a new type XXXX XXXX  card. I never contacted us bank to convert my card. In fact I did not have a XXXX XXXX card with us bank. They explained that in fact they converted my US Bank Visa card to a new XXXX XXXX XXXX card with out my permission.
I believe at the least the company committed fraud, lied about me contacting us bank, and issued a XXXX XXXX card without my permission.
I understand from us bank customer service, that they did this to many customers, that had not used the visa card for some time to get them to use a new XXXX XXXX card. This could number into the thousands they frauded I have attached documents to complaint
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

PHEAA did not notify me of payments I could have made or arrange while I was working between XX/XX/XXXX and XX/XX/XXXX. Instead, they decided to garnish my wages and made my 1 ) credit look bad, 2 ) and my loan with them look like it was in default still. Then while I was laid off XX/XX/XXXX, and had little money, PHEAA, or the US Dept. of Education took my entire tax return as a tax offset while I was unemployed. Then I received no mail from PHEAA regarding this in default loan from XXXX, which is closed on my credit, but now it shows started on XX/XX/XXXX? I just spoke with someone at PHEAA and they will not approve a tax offset for my XXXX taxes while I am unemployed! Nor have they sent me any mail regarding this problem! This is not legal is it? 

Sincerely, XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

I opened an account with Commerce bank. My initial deposit was for the amount of {$450.00}. I then made a second deposit for {$200.00}. I wrote a check for {$90.00}. and one for {$270.00}. and made a withdraw for {$100.00}. Thats a total deposit for {$650.00}. and a total withdraw of {$460.00}. Leaving a balance in the account of {$180.00}. But then the bank decided to shut off my debit card and not allow me access to my remaining funds. I called them to find out what the problem is but the customer service girl just kept repeating that it was at the banks discretion. It does n't make any sense to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquiries from my Equifax Credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

Have contacted XXXX  and XXXX about accounts verification and they have not provided me with any detailed information about any of my disputes
Complaint sub-issue: Can't decrease my monthly payments

1. Fedloan Serving failed to inform me that upon being enrolled in an Income Based Repayment plan that interest would be capitalized on my account and that my balance would increase by more than {$15000.00} as a result. This occurred on or about XXXX/XXXX/2016. I complained to CFPB around that time and NOTHING has been done to rectify this. My balance shot from $ XXXX to $ XXXX overnight, even after making payments on the account for over a year. 

2. I had been working XXXX jobs in 2016 and lost XXXX of them in XXXX 2016. I now only work part-time and subsequently requested that my payments be lowered based on this significant loss of income. Fedloan Servicing has refused to adjust my payments even though my income has been decreased to only around XXXX of what it was prior to losing the XXXX job. The last communication I received from Fedloan Servicing about it, I was told that I had to fully re-apply for IBR in order for them to re-calculate my monthly payment amount, even though I had just been enrolled in the IBR plan REPAYE less than three months earlier. Of course, after the fiasco I described above in point No. 1, I now know that they are requiring me to re-apply so they can again capitalize the interest on the account to further increase my balance! At this rate, with Fedloan Servicing using every tool at their disposal to increase my balance at every turn, I WILL NEVER BE ABLE TO PAY THIS OFF!
Complaint sub-issue: Account status incorrect

Equifax is reporting a paid collection with XXXX XXXX as {$0.00} balance past due, and open. Account not reporting on XXXX or XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have issues with carmax auto finance. I am current with my payments now and they have shown improvement in my report with XXXX but I was under the impression they remove negative credit report when reason no longer applies.
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit report that isn't mine. I reported this already and it's stills showing.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX UNIT XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Balance : {$46000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Debt is not yours

This was a debt, I think was taking out by my ex spouse. Ive asked for original documentation years ago from Loan Me but never received so I could verify my signature.
Complaint sub-issue: Debt is not yours

I checked all three of my credit reports at the end of XX/XX/XXXX and AFNI collection agency for XXXX was on all three reports. I disputed on all my credit reports because the debt does not belong to me. The debt was deleted off XXXX  and XXXX in XX/XX/XXXX but not off my XXXX credit report. This isn't a debt of {$920.00} which was placed on credit report on XX/XX/XXXX isn't owed by me.
Complaint sub-issue: Problem with product or service terms changing

Equifax has been potentially been hacked and my information is included in the data breach. My Social Security number and other identifiers are at risk, alongside some 143 million other Americans.
Complaint sub-issue: Inadequate help over the phone

Please investigate FRAUD by credit reporting bureaus. I ran my XXXX bureau credit with Equifax ; my banker ran my credit with their XXXX bureau credit system on the same day. The systems are not reporting the same information to the consumer that is reported to the banks. For mine, there is a huge difference between the scores yet XXXX reports are based on the same information. The bank 's scores are MUCH lower which will affect my mortgage rate. Please investigate and respond to me to learn why the consumer-facing systems do not match bank-facing systems. Are the XXXX bureau credit check committing fraud with consumers? Attaching XXXX reports summarized as : Bank 's Equifax XXXX ... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report
Complaint sub-issue: Trouble with how payments are handled

In XXXX 2015, the student loan servicer lost my documentation to support a new payment plan. I have an email that was sent to them with the documentation, my social security number, and name which was what the associate said was needed to submit the documentation. In XXXX 2015, after 2 months, I was notified of the missing documention in XXXX 2015 the agent told me if I made a payment my loans would be current and my credit would n't be affected, so I made a payment. Now knowing better I checked five weeks later, my repayment plan had still not been processed, so I had to make another payment to keep my loans ( what I thought was ) current. The following month I checked again and my payment plan was in place, I set up auto pay and did n't think of it again until I applied for a mortgage and was surprised to find that in XXXX 2015 I was reported 120 days late on XXXX separate accounts seriously affecting my ability to secure a mortgage. I called the servicer to file a credit complaint and was told that it appeared a payment was processed incorrectly and that the department is not reachable by phone and this matter would take 7 to 10 days. When I called 7 days later I was told this was still in process and they would contact me for a resolution. When I called to check on the progress at 10 days I was told that I was misinformed and that these claims take a full 30 days. I was also told that there was nothing I could do to dispute the misinformation I was given. I asked to speak to a supervisor, who advised me that I could not contact the resolution department, that I could not move my loans to another servicer and that I would be forced to wait as this situation appeared to be due to my fault for not paying from XX/XX/XXXX to XX/XX/XXXX ( still not 120 days past due ). I asked to speak to a supervisor again and was told that I could not speak with anyone else and that he would submit my case as a teaching tool for other associates to assure the misinformation was corrected. I received an email that a complaint was submitted.