Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

US BANK : I am contacting you again in regards to the same complaint that has now taken a new direction without my awareness and without US Bank attempting to inform me yet again. 

In my last complaint I sent through cfpb, you instructed me to stay in contact through my branch manager. However, while she helped me keep my personal accounts open at that point in time, apparently as of recently, someone above her over-rode her request and those accounts began closing without me being informed as of yesterday, XXXX. Where in this agreement, https : //www.usbank.com/pdf/Deposit-Account-Agreement.pdf, does it lay out your right to close my accounts? Furthermore, specifically in regards to my personal accounts, under what premise are you closing those after years of low risk activity and good standing? 

Lastly in regards to the Deposit Account Agreement, I'm not sure I understand the part about arbitration fully in relation to associated costs in the Agreement effective XX/XX/2020. Could you clarify for me? Who pays for arbitration, you or me? Were there any changes to the written agreement after my situation took place, since it went into effect XX/XX/2020, in relation to my situation or is that covered in the agreement as well- If so, could you specifically point it out please? Finally, where have you informed me prior, as the customer having never been in this type of situation before so therefore not knowing how it would go, that I can not speak directly with those at US Bank making decisions regarding my account? Where do you inform me that I can not speak with anyone about the measures taken to determine there was fraud on my account, leading to your final decision? 

Your calls are monitored and recorded, right? So, you should have on record, me contacting the bank about this deposit before scheduling transfers. How is the bank able to ignore my safety precautions, security checks, and attempts to make decisions in accordance to maintain good standing with the bank? A relationship does not work if one party tries to explain the situation ( me ) and seek advice on what to do at this point in time ( from you ) to be told one thing ( from you ), to act in accordance with the advice, ( me ) to then have the opposite outcome ( from you ) from what was advised take place. You is the US Bank representative I spoke with that day. In other words, you can not operate successfully or maintain relations when you say one thing and do another. The bank could have easily put themselves in a no risk position by properly handing my phone call that day, but they didn't. I want to know how the bank is able to put this all off on me, when as I see it, I did my part. 

I am seeking answers to all my questions. They are not rhetorical. 

Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Company closed your account

Discover has on several occassions conducted dubious investigations on my disputes on various transactions. As a result my balances have been incorrect and when I requested that the Executive office conduct an invesigation at least 3 times they neglected or refused to oblige. This continued until finally they unjustly without even notifying me closed both of my accounts. They demanded payment but due to their refusing to service my accounts I withheld payment.. I have filed disputes with XXXX and also at one point was dealing with Lexington Law to handle the issue on my behalf. All Discover had to do was conduct processes fairly and justly. They did not. As a result I have the right to withhold payment.. Since then they have wrongfully charged off my account and have adversley affected my credit score thus affecting my purchasing a house and other rights and priviledges
Complaint sub-issue: Their investigation did not fix an error on your report

My credit score dropped XXXX points due to the way Fedloan Servicing reported the pause in student loan payments granted by the CARES Act to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( Fedloan, XXXX, XXXX, XXXX  ) insist the error is not theirs and will not make any adjustments, meanwhile I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.
Complaint sub-issue: Information belongs to someone else

Someone open or apply for a credit card from XXXX XXXX for {XXXX and it wasnt me that open the credit card so I bet someone is using my name and SSN I want them to close that account and investigated whos the account
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Didn't receive notice of right to dispute

I received in the mail on Monday, XX/XX/2018 a letter from the aformentioned company as an attempt to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and gave statement of alleged amount owed and payment options available. Their 30 day window to verify the validity of the debt was already closed before I even received the letter at my residence. This is not a debt I recognize. I also do not believe they are licensed to collect in the state of Connecticut. This account has also appeared on my credit report as a collection due to this lapse. These are evasive and aggressive tactics that I will not tolerate as a consumer.
Complaint sub-issue: Frequent or repeated calls

I was calling back, she answered, and she rudely hung up on me. I called again and she answered, we are talking normally. Nobody should not rudely hang up on someone who is debt. it is not cool.
Complaint sub-issue: Funds not handled or disbursed as instructed

The Claim No. assigned by Citibank : XXXX On XX/XX/XXXX. XXXX, hacker sent a message on top of Citibank 's login page, stating that he was from Citibank, and told me that " some suspicious activity occurred on your account, please call XXXX '' ... Then the Hacker sent wire transfer instructions to Citibank wire out {$49000.00} without my consent and knowledge. My request for refund was denied by Citibank 's Fraud Prevention by a form letter, dated XX/XX/XXXX. This letter stating that the dispute was declined. There was no signature, no supporting documentation to substantiate this decline. 

According to the Client Manual Consumer Accounts of Citibank, Effective XX/XX/XXXX. This 53-page manual was published by Citibank and mentioned in your form letter of denial dated XX/XX/XXXX. Under page 19, of the manual, section of Security Procedures wherein states, I quote When you place an order for a funds transfer, we will follow a security procedure established for your protection and ours to verify that the transfer has been properly authorized. You understand that the security procedure is designed only to verify the source of the funds transfer instruction and not to detect errors in the content of that instruction or to prevent duplicate transfers. The procedure depends on the means by which you provide instructions to us. Unless we agree on another security procedure, you agree that we may confirm the authenticity and content of instructions by placing a call to any authorized signer on your account. By placing a transfer order, you agree to our use of the applicable security procedure. You agree to be bound by any funds transfer request that Citibank receives and verifies in accordance with the security procedure outlined above. Unquote.

Based upon Citibanks own manual/statement, apparently, Citibank failed to obligate the banks fiduciary duty and its own commitment. Records reveal that the transaction was conducted by a hacker, and I personally reported this incident to Citibank branch office immediately after the occurrence. The whole events were not handled in a timely, correctly and professionally manner. This loss purely was due to Citibank 's gross negligence. I demand the loss to be reimbursed immediately. 

Appreciate your Office 's involvement and wish to hear from you of a positive news soon.
Complaint sub-issue: Company closed your account

First off I want to say I have tried reaching out to the agency any they refuse to rectify the issue. I would like this removed from my credit report as this account was added due to no fault of my own. 

On XX/XX/XXXX of 2019 I was notified that my first payment with Citi bank had been returned for ISF. I have had the account open since XXXX of 2019. Upon further review I found out my payment was returned because my personal banking account info had be breached by fraud. So I reached out to Citi bank Friday XX/XX/XXXX and notified them of the incident and that I would like to make a payment arrangement/ promos to pay for the following week. I also notified them since my account was fraud Ed please do not attempt to debit my account again until I can get my account situation. I was assured by the agent that no attempts would be made to charge my card again until I called to make a payment. The next week I sat down with a bank agent to go over my account and sort out all of my fraud charges. But she asked me had I stopped all payment from coming out of the account I said yes. But looking at the account from last Friday to Tuesday I was negative XXXX and all those XXXX returns fees came from Citi bank. I could not understand why they tried to charges my account a total of 7 times and even at the time of my bank visit another charge was taking place. I immediately called and asked why they did this when I did not give them permission to charge my card. They claim that they only attempted 2 charges because its a automated system. But even the bank agent spokesperson asked where did the 4 additional charges come for. The Citi bank rep then disconnected my call. Trying to reach another agent resulted in a 45 min wait. But was hung up on again. In XXXX I did not make a payment at all stove the fraud left my personal and business account drained in XXXX I paid on my Citi bank card. I had no problem I did a one time payment over the phone. On XX/XX/XXXX I call to pay the remaining balance on my account and was notified the my account had been closed. When I asked why the agent couldnt tell me. I was transferred two times until a manager named XXXX told me my account was closed due to suspicious activity. I asked what does that mean and her exact words were you made multiple payments on you account while it was open. And Citi bank has the right to close any account if we deem it suspicious for any reason. I could not understand y me spliting my bill up resulted in my account being closed. I would pay half my balance owed 7 days b4 the due date and the remainder on the due day. So it was alway be paid on time. And the exact day it closed is the same day I missed my first payment XX/XX/XXXX. I was not notified my account had been closed I was still receiving my regular monthly statements with nothing on the saying closed account.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX, XXXX and natural person am a victim of identity theft. XXXX equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.
Complaint sub-issue: Information belongs to someone else

There are three creditors that are reporting accounts on my credit report that I did not authorize to be opened. The accounts are XXXX, XXXX XXXX XXXX and XXXX XXXX all these accounts were opened without my authorization and need to be removed from my credit report. I have attached a FTC Affidavit and Police Report. Please remove the accounts and send me an updated credit report with said changes.
Complaint sub-issue: Problem getting your free annual credit report

I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

Equifax and XXXX are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report. 

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/22 I went to a XXXX atm in XXXX Ohio attempted to withdraw {$320.00} and the atm give me XXXX XXXX dollar bills so I disputed the charges with cashapp and they said they found no wrongdoing and now my cashapp is still in negative even tho XXXX admitted that the atm was pack wrong now cashapp is not replying to me at it being 6 months
Complaint sub-issue: Seized or attempted to seize your property

Between XX/XX/2019 and XX/XX/XXXX, I received XXXX phone calls from Discover Card 's Utah call center, with as many as XXXX phone calls on Wednesday, XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX and communicated the situation, namely that the account in question is in dispute, yet I still received over a dozen unwanted phone calls. 

Accordingly, I sent a Cease and Desist letter to discontinue phone contact with me.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX i called XXXX about my account ... a School loan debt forbearance. In late XX/XX/XXXX/early XX/XX/XXXX, i submitted a loan debt forbearance form ( but with the input of wrong dates ). I did get info that my request was pending on my XX/XX/XXXX request. I called on XX/XX/XXXX and the representative said the form submitted on XX/XX/XXXX was deleted because it was a duplicate request ; it was not a duplicate request. It was request with different dates and a different form. 

The representative sent an inquiry to the claims processors for adjustment and stated i would hear from them in 3-5 business days. Its been longer than 7 business days. Ive sent in 2 online inquiries since and have not received any feedback about my conflict.
Complaint sub-issue: Didn't receive enough information to verify debt

On Friday, XX/XX/2020, I received email and text messages from Conn 's of an ACH that was declined. I always make monthly payments at Conn 's and have not authorized ACH. In fact, Conn 's deceived me that once I paid off one account in full early XX/XX/2020, I could add two items to one existing account. However, once paid off in full, Conn 's gave me serious runaround about adding two a/c and heating window units. They requested additional proof of income and I complied. Next, they wanted more proof of income and I provided. The runaround was never ending. I eventually obtained the two said items elsewhere for much less and what I actually needed. Now, Conn 's is hitting me for some ACH. I phoned Conn 's three times today at different phone numbers of customer care, collections and back to customer care. Long holding periods and one time I was transferred again to hold for a long period. The first phone number rang but followed by busy signal. That is why I began contacting other numbers.
Complaint sub-issue: Confusing or misleading advertising about the credit card

In short I was contacted by  Citi  bank and they have offered mediclaim policy of   XXXX   XXXX   XXXX   XXXX  , in  XXXX  and policy was issued and premium was debited in my credit card and it was paid by me. After that in  XXXX  before expiring that policy I have sent the mail to  Citibank  for not issuing the fresh policy or renew the mediclaim policy.   Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied.   Now two month back I have come to know that Citibank has reported me defaulter and updated in  XXXX  so now my request is this kindly go through the attach file ( all mails sent to Citibank  )  and resolve this and arrange to remove my and my wife name from  XXXX .   For your ready reference i am attaching the word file with all correspondence done with citibank.
Complaint sub-issue: Personal information incorrect

XXXX  and Equifax I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

The issue with XXXX XXXX still remain on my credit report. With the provided evidence that shows the account was reopened in XXXX was on all three of the credit bureau reports. XXXX removed XXXX immediately due to the fraudulent reopening of the account. I ask that Equifax remove XXXX XXXX XXXX off my credit report because of the account reopening.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity fraud from my sister XXXX XXXX. I have filed an FTC report and disputed these debts multiple times. Originally they will be deleted and then the company just adds them back even knowing they are fraudulent. Please help me
Complaint sub-issue: Fee problem

PNC bank is back to their old antics of purposely ordering transactions to post in a manner that consumers have to pay multiple overdraft fees a month. I was paid a prior settlement from them for the exact same practice in XX/XX/2014.  They advertise their online banking as easy to use. but do not post transactions in a manner that makes their customers have any idea what their balance is. I have enough money to cover any deduction as I have 2 accounts but I will not be forced to enroll in overdraft protection as that means a hacker can empty all of my accounts. I had this happen to the same account last year.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.
Complaint sub-issue: Problem with paying off the loan

On XX/XX/XXXX was my last payment for my XXXX  XXXX XXXX, ( as shown in the screenshot enclosed ) I did the payment by {$680.00} on XX/XX/XXXX, as of XX/XX/XXXX the balance is XXXX, however, still appears 1 payment remaining? Suddenly today, XX/XX/XXXX appear a balance of XXXX due on XX/XX/XXXX ... no explanation? When I call to XXXX financial service, told me that could be due to interest, but either they understand why! or can give me an explanation, I reviewed the contract where says what changes may take the form of a large or smaller final payment if that occurs, we will send you a notice telling you about these changes before the final scheduled payment due, but I didn't receive any note ... the amount of my final payment was of XXXX as can see in the screenshot.
Complaint sub-issue: Didn't receive enough information to verify debt

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$350.00}