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

I called XXXX 2017 to voice concerns to XXXX XXXX XXXX XXXX that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I had car trouble and signed up for a XXXX service credit card by CitiBank after it was advertised on both the dealers website as well as the companys website on XX/XX/XXXX. When I attempted to use it, they told me they dont accept the card they advertise. On XX/XX/XXXX I received an email I was advised incorrectly and they indeed take the card but when I went back to the dealership they said they couldnt. The link to the dealers website still advertising this card. https : XXXX XXXX XXXX XXXX On the second website, XXXX XXXX is listed when you click schedule service. 

So I signed up for a card due to a promotion that was advertised on the dealers website and cant use it. I followed up today with service manager XXXX XXXX who said they would have to sign back up with Citi and refuse to do that.
Complaint sub-issue: Attempted to collect wrong amount

I have a debt that I owe to XXXX XXXX XXXX, which is an apartment community in XXXX, Colorado for an eviction. I owe {$4600.00}, which is not disputed. I want to make arrangements to pay because I figured out a solution in order for me to begin making payments. I recently checked my credit report and the balance increased by {$1600.00}. The collection company is " Hunter Warfield '', based out of XXXX, Florida. http : //ww2.hunterwarfield.com. Hunter Warfield has a business relationship with XXXX, I do not. I never agreed to ANY arrangement with Hunter Warfield, I do not have a business relationship with Hunter Warfield of any sort. If XXXX chooses to outsource this debt to Hunter Warfield, that is their choice. The {$1600.00} makes future payments for me unreasonably difficult, I will not agree to ANY interest or increase in balances owed. I will pay what is owed {$4600.00}.
Complaint sub-issue: Account status incorrect

Hi. I primarily work in the zone where Hurricane Michael hit. I had an interuption in income for a few months as I am XXXX XXXX XXXX in XXXX XXXX/XXXX XXXX.

Getting back on my feet but asked for the 3 month Hurricane Relief. 
My other car loan with XXXX XXXX granted me relief ; but XXXX XXXX after multiple attempts not only did not grant ; but then marked my account 30 days late.

After multiple complaints to management with many sales folks ; they finally agreed to modify 1 month and continued to mark me 1 month late.

# 1 : I would like the 30 day late removed as they modified me one month for the Hurricane Relief.

# 2 : I would like them to reconsider the 3 month abatement.

# 3 : Remove late fees Again, my mortgage company and other car loan readily helped ; however, XXXX XXXX maybe helped a little ; but also penalized my credit report with the late. 

Thank you. 

XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/21 - account was locked for fraud and Citbank is refusing to unlock funds, fix payments or close acocunt
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act LexisNexis Risk solution has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Complaint sub-issue: Debt is not yours

This is another company stating I owe XXXX and I already disputed the XXXX one. I dont understand how I could owe them twice to two different collection agencies. I want this off of my credit please
Complaint sub-issue: Reporting company used your report improperly

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I have been denied credit from the following XXXX XXXX for a credit card. The main reason is that Equifax stated that I had a credit score that ranged from 250 to high off 900. The XXXX that they are reporting is totally wrong. I have never had a score below 750
Complaint sub-issue: Threatened to take legal action

Repeated calls to my work XXXX XXXX XXXX I told them not to call but they do anyways
Complaint sub-issue: Credit inquiries on your report that you don't recognize

TO WHOM IT MAY CONCERN MY IDENTITY WAS STOLEN AND SOMEONE APPLIED FOR SOME UNAUTHORIZED ACCOUNTS THAT IS NOW SHOWING ON MY CREDIT REPORT AND HAVE MADE MY CREDIT SCORE DROP A LOT SO IM ASKING YALL TO PLEASE REMOVE THESE UNAUTHORIZED ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY... .THANKS IN ADVANCE *INQUIRIES FOR XXXX AND EQUIFAX XXXX XXXX XXXXXXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with the fees charged

My student loans were ASSUMED by AES from XXXX XXXX in XX/XX/XXXX. The balance was ~ {$28000.00}. I pay {$220.00} each month regardless of what the 'balance due / minimum payment ' request is. The amount due is typically between {$50.00} and {$75.00}. I have made this payment each month since XX/XX/XXXX MINUS the two years I went back for my XXXX and 2 years of personal illness. Taking into account interest accruals +/- monthly payments, lets say my balance went up to {$31000.00}. 
XX/XX/XXXX-XX/XX/XXXX = 17 years 17 years - 4 years deferred status = 13 years 13 years x 12 months per year = 156 months 156 months x {$220.00} = {$35000.00} MY BALANCE TODAY IS {$22000.00} Can someone check my math? I have a XXXX XXXX but I can not calculate this so that it makes sense?
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I received a call from XXXX saying that I owed $ 200.00+ on a US Bank account from an over draft. I do not currently have a US bank account and have not since prior to 2006. I asked for more information on the debt, and asked for the number where I could reach out to US Bank to confirm the outstanding debt and make a payment directly with them. When I refused to pay over the phone, I was called and " ignorant XXXX XXXX, '' and was promptly hung up on. I called back to speak to a supervisor, and ended up in a voicemail box. I left my information to have a supervisor call me back so I could get more information on what was going on. After a couple of minutes, another number, this time, XXXX called me back. At first it seemed somewhat normal, we went through verifying my information, none of which, except the phone number and first and last name matched my identity. At this point, I was threatened with a warrant being filed on me ( or the other person bearing my name ) and that they " would see my XXXX in court. '' After this call I called US bank to confirm the information I got from them, as they had given me an account number. The account was not found at US bank, and I was told this was likely a scam.
Complaint sub-issue: Don't agree with fees charged

My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month.
Complaint sub-issue: Investigation took more than 30 days

I have sent Equifax OVER A DOZEN disputes over the last 18 months or so. This last CFPB complaint was sent because they decided they were not going to respond to me within 30 days. Quite amazingly, they received this CFPB complaint, just to wait EVEN LONGER than the first almost 45 days from the original dispute and STILL have not done an investigation and presented me with the results.
Complaint sub-issue: Not given enough info to verify debt

Citi bank keeps telling me I have a balance on an old Best Buy card that i have not had in my possession in years. I keep telling them I will not pay for something until I see what the charges are and they refuse to acknowledge. I have gotten emails saying I have a balance but can not log into the account because I do not have the card. My current Best Buy account has always been current and they acknowledge that but still no one is helping me verify what they are trying to collect. They call the house over and over and I tying talking to them and got cut off after talking to someone who transferred me to fraud so the harassment still conintues.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I let the credit bureaus know that I am a victim of identity theft. There is an account from XXXX XXXX on my credit report. The account is still on my credit file. Section 605 b of the Fair Credit Reporting Act requires that any information that I inform you is fraud has to be removed within 4 business days. Also, 15 USC 1681 section 604 a 2 says that you can not put anything on my credit file without me giving you permission in writing. I never gave you permission in writing. This account is listed on my file as a charge off. That means XXXX XXXX is committing tax fraud. They have sold the account and taken a tax write off.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency XXXX including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 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. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Problem with fees

Citi bank has charged me a XXXX dollar fee because THEY attempted to charge an account I didn't provide them. I've made multiple {$100.00} dollar payments over the past few months with no issues. In addition to that I set up a {$20.00} auto payment. 

The most recent payment didn't go through but my {$100.00} payment went through 2 days later without any issues. When I go to my autopay settings their is only the one account ending in XXXX. And I can not cancel autopay.
Complaint sub-issue: Information belongs to someone else

Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of Equifax Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.
Complaint sub-issue: Problem during payment process

I opened a new account for my business from citi for an XXXX XXXX card and was given a very low credit limit ( only {$4000.00} ). I called and asked why it was so low and they asked me if I wanted to raise my credit limit. I asked if they would pull my credit again and they said yes. I asked why because they had just pulled it and why they could not use the information from prior and they said that was not there policy. Now on to using this card I made a payment XX/XX/XXXX and they placed a hold until XX/XX/XXXX. I called and emailed numerous times because the payment was debited from my account next business day and they continued to say it was for security purposes to ensure funds went through. I had several vendors I had to pay for my business and luckily they were all very patient but it was stressful and frustrating. 

Because my credit limit is so low as l soon as the hold was removed I made a purchase and paid it off as soon as the hold was removed. This second payment was made XX/XX/XXXX and my credit limit was immediately refreshed. 

I again paid some more of my bills ( a {$4000.00} credit limit for my business is incredibly low and hard to deal with ) and made another payment XX/XX/XXXX. When I went to start paying bills again every transaction was declined. I called asking why my credit limit was refreshed and they said for security reasons yet another hold was placed on the account until XX/XX/XXXX. I can not pay the bills for my business when they hold my money like this. I asked the representative today ( XX/XX/XXXX ) why the hold was in place as the money has already been taken from my checking account and they just say for security purposes. The customer service is atrocious and these unfair business practices are causing me to default on payments for my business ( something I have NEVER done ). Please advise because there has to be some repercussions for citi/XXXX XXXX
Complaint sub-issue: Problem during payment process

I had purchases in the amount of {$640.00} on a promotional balance that expired with the XX/XX/2019 statement. I called the credit card company in XXXX inquiring as to when I needed to payoff the promotional purchase to avoid interest. She said I needed to make the payment after the XXXX statement closed. I made my XXXX statement payment in full of the expiring promotional balance of {$640.00} on XX/XX/2019, 8 days prior to the due date of XX/XX/XXXX. Rather than my payment paying off the expired promotional balance, my payment was applied to two other younger balance transfers and I accrued {$10.00} interest on the {$640.00} of purchases on the expired promotional balance on the XXXX XXXX. I called the credit card company today, XX/XX/XXXX, and they tell me I now need to make the payment in full plus interest to avoid further interest on the balance and that I made my payment too early as the balances were all 0 % promotional on the XXXX statement, yet I was accruing interest on the {$640.00} as of XX/XX/XXXX. I asked how come the payment wasn't applied to the balance accruing interest, and they said it wasn't accruing interest last month yet there is interest accrued on this months statement. They refused to fix the issue. Im not sure how I could have avoided paying this interest as they would not extinguish the expired promotional purchase balance with the payment in full I made before the due date. This can not be in compliance with the CARD Act of 2009, as I had a balance accruing interest and my payment was not applied to that balance.
Complaint sub-issue: Reporting company used your report improperly

I have rights under 15 usc 1681. 
Equifax is also govern under 15 usc 1681. They have violated my right 's numerous times. I demand all accounts listed be removed. 

According to 15 USC 1681 : I have a right to privacy and I did not give Equifax writes to furnish these accounts.
Complaint sub-issue: Account status incorrect

I've been on an income based repayment plan of {$0.00} in XXXX my student loans were marked as being late when they were supposed to be listed as current like every other month prior. I spoke to a represented shortly after in XX/XX/XXXX in was told that the late payments would be removed from all XXXX of my student loans, but it hasnt been updated on my credit report, I've spoken to another rep and was told no lates were ever reported. 
I would just like the late payment from XXXX and XX/XX/XXXX removed from my credit report from each of my student loans showing on my credit report. Updated to Paid as agreed never late.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I filed a dispute through concerning my loans with Sallie Mae. My credit report states that the loans closed back in XXXX but the balances are still showing up. I filed a dispute that the accounts are closed. According to the Fair Credit Reporting Act, I should have heard back concerning this matter from XXXX - XXXX days in which I have not heard anything yet ; it has been over four months now. I want the loans removed from my credit report.
Complaint sub-issue: Deposits and withdrawals

Discover froze my bank accounts and is holding my money ( and many other customers ' money ), based on " unusual activity '', and I can not connect with anyone at Discover to unfreeze my accounts ( it's been over 22 days as of this complaint ). 

I opened new bank accounts on XX/XX/XXXX, and deposited money ( over $ XXXX ) in them on XX/XX/XXXX. I was notified by Discover on XX/XX/XXXX ( via email and via a voicemail ) that my accounts had been frozen due to " unusual activity '', and that I needed to call XXXX to speak with a bank security specialist. Note that I have absolutely no online access to my accounts, and Discover is forcing me to call them to unfreeze my accounts. No one who I have spoken with can tell me why my accounts are frozen. 

I called Discover back on XX/XX/XXXX and subsequently every day since to speak with one of their bank security team members. The hold times are usually 2-3+ hours. Half the time, their phone system provides a message about high call volume and then just disconnects. Furthermore, I was able to get through two times to the bank security team, only to be told that their hours are XXXX XXXX, and that they were not available to help me, and that I would need to call back during those hours ; Discover advertises 24/7 customer support. 

I've placed over 50 calls in the past 22 days. I have spoken to a number of Discover customer service professionals, but they can not unfreeze my account and tell me that I must speak with the bank security team. They will only transfer me and put me in the 2-3+ hour holding queue. Furthermore, they do not have a single human at this point who can tell me what my account balances are I've tried to get help via XXXX, XXXX and XXXX, but Discover either continues to post the same reply about calling the number listed above, or in some cases doesn't respond at all. See threads on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

To : Whom It May Concern, I did not consent to, authorize nor benefit from any of the folowing accounts. According to the FAIR DEBT COLLECTION PRACTICES ACT. These compainies has violated my Consumer Rights. I am asking you to immediately stop all collection activities pertaining to these debt accounts, including reports to credit reporting agencies. I also ask that you tell these business where the accounts was opened that this debt is the result of identity theft. In the event of an investigation, Acoording to the FAIR CREDIT REPORTING ACT, Pursuant to 15 USC 1681a ( e ). Please send me a letter explaining what you have done to : 1. Inform the business where the account was opened that the debt is the result of identity theft.

2. Stop collection activities against me.

3.Stop reporting information about the debt to credit reporting agencies.

4.If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft.

5. provide me with the records I requested. 


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  Thank you for your cooperation Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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 : Account number # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Complaint sub-issue: Account status incorrect

This is the SECOND complaint I have had to file as Equifax still has not accurately updated my credit file. My bankruptcy is now complete and discharged yet there is a collection account from XXXX XXXX XXXX XXXX showing " Open '' and a {$200.00} balance. 

I did try to call XXXX XXXX XXXX as well and spoke with a XXXX. She told me it was updated. When I told her it was still showing on my credit report, she told me too bad. They have no control over that. That is completely unacceptable.