Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

I saw a promotion on citi.com when I logged in to see my credit card information ( I have two citi cards ). I was presented a promotion that if open a XXXX  XXXX XXXX XXXX savings account, after 60 days I will get XXXX XXXX miles. Since I have a Citi AAdvantage credit card, this is a very attractive offer. It was a tiered offer. I selected the offer to earn XXXX AAdvantage miles after depositing $ XXXX in a Citi 's savings account. I opened the account and moved $ XXXX into that account on XX/XX/XXXX. I think it was in XXXX that I noticed that I still haven't received the miles. I called Citi and I was told that I need to allow 90 days after the 60 days to get the miles. So the agent told me to wait till after XXXX. I checked on XX/XX/XXXX and the miles still didn't get credited. So I called Citi again. The agent checked my account and said she will open a case because everything looks right and she doesn't know why the miles weren't credited. She said there may be something wrong with the system. So she ordered an investigation and said it will take 5 days. I checked my Citi account on XX/XX/XXXX. An electronic letter was sent to me. It says that my account was not associated with this offer. So I must present some proof that I received this offer. But Citi should know that I got the offer because they presented this offer to me, and I have no paper trail to present since it was online upon login. Also, it was not clearly disclosed that I had to wait another 90 days after the initial 60 days. This savings account has a low APY of XXXX. My other savings account with another bank is at XXXX at the time, and now at XXXX. I lost the higher interest and didn't get what was promised to me. That is completely cheating behavior. They are ripping off customers. Also the agent said that I could have moved my money away after 60 days but that was not disclosed either. This is typical big bank behavior to rip off their customers.
Complaint sub-issue: Funds not handled or disbursed as instructed

My first call to them was on XX/XX/XXXX about where my bonus was from opening the checking account with them. The nice lady told me that I met all the guidelines for getting the bonus and I should have the bonus at the end of XXXX when my 3rd statement comes in. She told me that if I dont get it by the end of XXXX to call back. 
I called back on XX/XX/XXXX and let the rep know that I still have not received by bonus for opening the checking account. 
She kept me on hold while she did her research. Comes back to give me some canned response saying they have to research and it can take up to 30-60 days to conduct the investigation! 
It is now the XXXX. No bonus that was promised and no call or anything from PNC. 
They need to give me my bonus for opening the account.
Complaint sub-issue: Trouble with how payments are handled

Third time this year I have XXXX loans XXXX and XXXX, I mail in {$75.00} each month to them. They will not let me see it online, or mail a invoice to me, cant get the balance without calling and transfered around. I mailed these in last month XXXX money orders XXXX XXXX XXXX XXXX and XXXX XXXX sent in USPS picked up Saturday XXXX/XXXX/2016 and the XXXX loan was processed on the XXXX of XXXX. The loan XXXX money order from XXXX XXXX was processed on the XXXX. XXXX are mailed same time, same address. Yet Discover Student Loans says they NEVER got the money order for loan XXXX and I am late. Third time this year on this exact loan XXXX, same thing mailed, processed at XXXX XXXX later by days and they claim they never got the money order. 

I called they told me " a lot of illegal things happen these days in the world '' while talking to the rep in XXXX XXXX XXXX, UT on Sunday. 

To which I asked how a money order mailed to them, made out ot them made out to a set account number and loan number WITH a letter made out with the instrucitons for a THIRD time on XXXX loan of XXXX loans total with them is the ONLY XXXX having this issue. That maybe someone else processed it, aka not Discover. 
Well its their office, its a pattern now, and its illegal for anyone else to be able to process that money order made out to them that is now processed on teh XXXX and not yet on the books. 

This morning I check and the payment online history shows that I now didnt pay XXXX but on the XXXX I paid that to XXXX XXXX. So whats going on here! Where is the {$75.00} they took and is processed to them.
Complaint sub-issue: Account status incorrect

PNC : I settled and paid off a credit card. Payments from XX/XX/XXXX - XX/XX/XXXX were reported as not made, even though I had XXXX and XXXX  XXXX issues that I informed PNC of XXXX The reporting is preventing my credit from being high enough to rent a home. I paid off the card, so the account and months are not delinquent and should not show delinquency. I called again XX/XX/XXXX and PNC told me that they were attempting to collect a debt before allowing me to speak further. I have no debt with PNC. PNC told me that they were not able to reverse the reporting and told me to file a complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. XXXX has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.
Complaint sub-issue: Funds not received from closed account

My account was referred for closure XX/XX/21 I was told it would be 60 days or less via chat and a check would be mailed for whats in my account. However last time I called they could give me no answers and stated that they would be disconnecting the call and hung up. He said this when I told him my account was being referred to be closed on XX/XX/21. When I check in XXXX a rep on chat told me I should be expecting a check early XXXX at the latest. When I spoke to the gentleman today who hung up on me he said account is being referred for closure you can expect a check in 60 days when I questioned its almost been 60 days and nothing again hung up on. Ive verified my identity account # that there was no suspicious activity on the account being referred for closure. I just want some clear answers. My friend who is an attorney assistant suggested I get a pro bono attorney to get some answers. I dont I understand why I would need to do that. Ive filed a complaint with you all before after this happened and there response was 60 days from the referral to be closed I could expect a check at the address on file. And clearly nothing and no answers. 

Citibanks previous response to my last claim should be on file with you all as well. I have attached screen shots of the texts as well.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Complaint sub-issue: Debt was paid

I was XXXX years of age my mother and cousin used my name to apply for XXXX a a kiosk, they did n't pay for the service and I returned the boxes after service was disconnected after I was charged
Complaint sub-issue: Account status incorrect

This complaint is against US bank my credit card, the number is XXXX XXXX XXXX XXXX, which was paid in full XX/XX/2019 before the due date. I called the company and asked for a payoff balance which they gave me as being {$2300.00} gvien the fact that I had asked for a payoff balance earlier and the above amount was given. When the atatement came out it showed me still owing {$18.00}, which I feel that I do not owe because when you pay the balance that XXXX out the account. What I was told that the cash advance interest had not be charged as the time of the pay off, which to me is usary or fraud, what ever the case I shouldn't have to pay that money and not to mention the other charges the representative informed me that is forthcoming. This isn't the first time I have had an issue with US bank regarding the interest on my outstanding balance. What they do is charge a standare interest and then a daily APR which is two interest fees being charged to the customer. 
I have attached two bank statements explaining my situation and their fee charges practices that needs to be corrected and disallowed.
Complaint sub-issue: Banking errors

Dear CFPB officer. 
I opened Citibank account package with the advertised bonus of {$400.00} ( Promo ID : XXXX ; attached ). I opened the account on XX/XX/2018 using Citibank personal banker at the XXXX, XXXX XXXX branch and completed the required deposit ( {$15000.00} ) on XX/XX/2018. I maintained the minimum balance of {$15000.00} for more than 60 calendar days ( XX/XX/2018 ) following the date of the deposit. According to XXXX XXXX XXXX, I should have received the bonus within 90 days ( XX/XX/2018 ) of meeting the requirements. However, I didn't receive the bonus yet. I received an email from Citibank that a tax form was missing ; however, the personal banker mentioned to me that he had all the forms when he opened my account. I went to the branch and another personal banker told me that he can see that all the requirements were met and I should receive the bonus. Two weeks passed and I didn't receive the bonus. I went to branch again, and the personal banker again confirmed that I met the requirements and to resolve it he raised a request with back office and asked me to give it 6 working days. After 6 working days, when I didn't receive the bonus, I went to branch again and the personal banker mentioned that he has forwarded all the details to the branch manager who has the power to resolve the matter and post the bonus within 2 days. This visit was on XX/XX/2018 and I still haven't received the bonus yet. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter.
Complaint sub-issue: Debt is not mine

On XXXX/XXXX/16 I filed a dispute with XXXX and they reported that EOS-CCA verified this XXXX XXXX XXXX XXXX debt. Collector was never able to provide debt validation despite several attempts via USPS to retrieve said validation. The continue to verify with the credit reporting agency with no regard for the FCRA and FDCPA. 

On XXXX/XXXX/16 i sent a letter to the CEO of the company regarding their continued verification of a credit reporting agency despite their inability to VALIDATE the debt. No response and they continue to report on my credit.
Complaint sub-issue: Trouble with how payments are handled

I am a medical resident and I have a number of federal loans being serviced by MyFedLoans.org. By law, I am able to defer my loan payments until I am done with residency. In order to do this, I have to fill out a form showing that I am in a residency program and send it to MyFedLoan. I am doing this, but MyFedLoan is systematically making it difficult for people like me to submit these deferment or forbearance forms. At first, they only provided a fax number - and would then tell me they didnt get my fax after I sent the form. Then, they provided a file upload page on their website, but the forbearance form upload section doesnt work, it just times out. Now, I am trying to use an email, but I have had mixed success with this in the past. MyFedLoan is trying to collect more fees from people like me by saying they did not receive our forms and that our payments are late, and then they charge us higher interest and fees. Can you please investigate this? 

Note : if you go on MyFedLoan 's website right now and try to upload a consolidation form, it uploads in a matter of seconds. If you try to upload a deferment or forbearance form, it times out after 5 minutes.
Complaint sub-issue: Company closed your account

On XX/XX/2020, I commenced a series of five transfers from my TCF National Bank ( XXXX, MN ) savings account ( ending in XXXX ) to XXXX XXXX XXXX. The first four transfers were in the amount of {$25000.00} each. The fifth transfer was in the amount {$4600.00}, bringing the account balance to XXXX. TCF Bank then closed the account. 

In order to close an upcoming purchase of our home, I need the most recent - prior to closing of the account - statement from TCF Bank. While the Bank purports to provide such via its website, the account statement available is only through XX/XX/2020 which, obviously, does not reflect the account balance as of the end of XXXX or the statement closing date as of the first few days in XXXX. It is this statement that I need in order satisfy the real estate lender 's requirement regarding proof of availability of funds. 

On two separate occasions I have called the Bank and requested the needed statement. While the Bank promised to provide such via the USPS, it has not done so. Moreover, the Bank has stated it would post the overdue statement to its website, but as of today ( XX/XX/2020 ) it has not done so.
Complaint sub-issue: Can't close your account

Week of XX/XX/2021, I received in the mail a Debit Card and a letter indicating that three DDA accounts were opened at PNC Bank in my name. 

This was not authorized activity and we had no existing business with PNC Bank nor did we apply for any financial products from them. 

We called PNC Bank on Saturday XX/XX/XXXX and spoke to a Fraud Officer and they said that they would open a fraud investigation and suggested we visit a branch for further assistance. We wanted these accounts closed immediately but were told that we would have to speak to someone in the Branch. We went to the branch on XX/XX/XXXX ( Monday ) and were told by the branch manager that it was turned over to the Fraud department and that they could not provide me with any information nor would they close the accounts when I requested them to do so. As I did not open these accounts, I am concerned that a money-launderer could be using my identity to commit financial crimes through these accounts and I wanted them closed to prevent my identify from being associated with any potential crimes. I also asked for some type of documentation to prove that we had reported this fraud to PNC to help reduce our risk and they refused to give me anything in writing to prove that I had filed this complaint with them. They said it was their policy to not provide anything in writing in these situations. 

PNC Bank refused to close the accounts and said that it had to go to their fraud department for handling. I asked them if the accounts were funded or if they could tell me what was going on with them and was told that they could not divulge any information even though the accounts are actually in my name currently. My goal in asking this question was to try and understand what risks I might be exposed to and to see if money was moving in / out of the accounts. However the branch manager quoted policy and said that they could not tell me anything. 

I am filing a complaint because a ) PNC Bank clearly has poor KYC / BSA policies if someone was able to open an account without my knowledge and b ) PNC Bank should be more helpful in trying to size the risk and address it appropriately. They said it would be up to 30 days before we might hear from someone on this matter. 
c ) PNC Bank should at least provide evidence that they have opened up an investigation to assist fraud victims, which may be needed to provide future innocence, etc. in the event of future issues that could come from the fraudulent accounts.
Complaint sub-issue: Didn't receive notice of right to dispute

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have initiated several disputes in my credit reports due to incorrect information reporting on my credit reports. I mailed letters requesting disputes to Equifax, XXXX and XXXX on XX/XX/2019, XX/XX/2019, and finally on XX/XX/2019. I received letters back from XXXX with updates to my credit reports but, I never received one letter from either Equifax or XXXX. NOT 1 LETTER! In accordance with the FCRA the credit bureaus are mandated to respond back to my disputes letting me know the results of the investigations but, XXXX and Equifax have FAILED to respond 3 TIMES! This is unacceptable!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been the victim of identity theft since XXXX and I have contacted Equifax several times in order to get remove these fraudulent inquiries I have in my credit report and they have failed to do that. I have the following inquires unauthorize : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Complaint sub-issue: Personal information incorrect

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I recently checked my credit report and have found that PDQ Services Inc is reporting a collection on it. PDQ Services Inc is not a licensed Debt Collection Agency which is a requirement in the State of New York. Please remove the account for this illegal collection activity.
Complaint sub-issue: Their investigation did not fix an error on your report

I pulled my credit reports from annualcredit report site and see continued reporting of errors on all 3 reports. There are 20 addresses on my XXXX  report that are not mine, 9 incorrect addresses on my Equifax Report, and 25 incorrect addresses on my XXXX  report. These addresses are not former addresses of mine and I have NEVER lived there. I am concerned of possible fraud or mixed information from someone else, but these addresses and misspellings of my name need to be deleted. This is so unacceptable. XXXX  and XXXX  is also reporting multiple incorrect phone numbers that are not mine and never have been. 

In addition to that, there are several accounts on my credit reports being falsely and incorrectly reported. I have disputed all of the inaccurate personal information and addresses multiple times on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 including several phone call attempts, but no one is able to help or remove this information. It's ridiculous! I've asked the bureaus to provide me with verification of where they are getting the inaccurate and inconsistent information from on the following erroneous accounts : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX There is so many inconsistent reporting shown and it's the bureaus responsibility to thoroughly investigate information with the original creditor for complete accuracy which it's clear as day that they have failed to do this. I haven't received any correspondence and the inaccurate items still remain on my report after I've submitted multiple letters pointing out the exact errors on my reports along with attaching my proof of ID and proof of address for verification. With all these wrong addresses there could be fraud on my account for all I know. I'm highly frustrated with the negligence.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is refusing to accept my documentation of proof of identification I sent on XX/XX/2021. I have many communication with Equifax over pass year. Now Equifax want to send to send me a letter. After I have place a dispute requesting Proof of Bankruptcy not from a third party, because the bankruptcy courts informed me that they do not actual report to any credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance Owed : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have reported multiple times to all Credit Reporting Companies ( Equifax, XXXX, and XXXX ) that XX/XX/XXXX Account # XXXX has me late 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.