Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I called PNC to try to pay my full balance. I asked if there was interest on the account and if I could get a full payoff total. I was told the system would not allow me to pay anything over my balance that is listed in balance due section. I spoke with XXXX and asked if I paid my full balance on XX/XX/2022 would interest be assessed on my next bill. XXXX told me if I paid my full balance on XX/XX/2022 there would be XXXX dollars of interest on my next bill. Later that day I called back to verify that my payment went through, and I asked once again about the if interest would be charged to my account, once again I was told no. On Saturday XX/XX/2022 I saw my online statement and there was interest charged for {$12.00}. I immediately called customer service, I explained to the rep what took place, and he went to speak with his manager, he returned to tell me his manager said the interest would have to stay and would not be removed. I requested to speak to the manager and that was XXXX. I explained over again to XXXX the situation, though he seemed reluctant eventually XXXX told me the interest of {$12.00} would be reversed and I should see the credit on my account in a few days. I have checked my account all week and saw no changes, the interest fee was still there. I called today XX/XX/2022 only to find out somehow the request to reverse the interest was denied, no one called or email to tell.
Complaint sub-issue: Called after sent written cease of comm

Tuesday at approximately XXXX I received a call from XXXX. I was waiting on an important call and thought I would answer, although I do not usually answer unknown numbers. I answered and the person just said XXXX XXXX? I said who is this and they immediately said the were calling about a bill I owe point medical, I said who is this and the man said that I owe a bill and if I do n't pay it will is going on my credit report. I said I do n't owe anything what are you talking about? He then said something and I could hear some one whispering in the background to him and he said I owe XXXX money. I said no I do n't, and you never confirmed you were taking to the correct party not tell me this call is being recorded. He said something I did t understand and kept saying that I do owe and if I do n't pay it is going on my credit report. I told him that that are n't supposed to call me. I have had issues in the past with this company calling and harassing me. They are rude and I previously told them to NEVER call my number again. I will pursue the advise of my attorney because this is causing me undue stress and I have XXXX.
Complaint sub-issue: Account information incorrect

I previously I had an issue with 2 XXXX XXXX cards i was fighting for years showing late payments. I finally got it resolved through the CFPB. XXXX  XXXX sent a letter to contact all 3 credit bureaus saying that I paid on time and should have no late payments on either account. They all updated INCLUDING Equifax ... But I had a current open " dispute '' for the accountants going with equifax. So the information was updated to show on time payments as requested by XXXX  XXXX for both accounts, then EQUIFAX CLOSE THIER DISPUTE AND REUPDATED IT TO SHOW BOTH ACCOUNTS LATE AGAIN! I called and no one seems to understand or listen to me. Neither XXXX XXXX account should show any late payments as requested by XXXX XXXX via written proof through CFPB.
Complaint sub-issue: Overdrafts and overdraft fees

We had been using Keybank since our XXXX started XX/XX/2018. We had for convenience created a relationship with XXXX on our website. We had our first big event XX/XX/2018. We used XXXX " swipe '' for our evening of food, entertainment, auction, and raffle. The next day when we attempted to access our funds we were met with " unusual activity account is locked ''. As you can imagine we  were shocked and amazed that our funds we needed for entertainment, vendors etc. was being held. We had never had funds held by XXXX before. I immediately contacted Keybank to inform them of the problem and they proceeded to charge us over {$800.00} in overdraft fees. The problem was not solved for 2 weeks and Keybank continued to charge us over and over again overdraft fees. We complained to the manager, he said he spoke to his higher-ups ... nothing was resolved and they did not reverse the funds taken. We are now complaining to the Executive Team of Keybank in XXXX Ohio. We made a complaint with the Attorney General of Washington they did get to XXXX for us. XXXX continues to state they did everything right. We are stuck between two giants and we are a small XXXX. We believe that we had no negligence and no fault on our behalf. We do not understand how a bank can justify benefiting from a customers unfortunate circumstance. We would like you to approach Keybank with this problem on behalf of XXXX XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I have requested for my payments to the PSLF program to be calculated due to the amounts of qualifying payments not matching for Direct Subsidized Consolidation Loan ( DLSCNS ) and Direct Unsubsidized Consolidation Loan ( DLUCNS ). Currently FedLoan Servicing has calculated the qualifying payments DLSCNS XXXX and DLUCNS XXXX  even though the payments have been made for both loans at the same time since I began repaying my student loans. I have requested twice for FedLoan Servicing to fix or at least give an explanation for the unmatched amounts with no success. I have worked for the XXXX XXXX XXXX and made payments since XXXX. My FedLoan Servicing Account Number : XXXX XXXX XXXX
Complaint sub-issue: Problem with product or service terms changing

Both my husband and I applied for the {$120.00} Equifax offered for their breach, after they said we qualified for it, and now simply because too many people applied for what they offered us, now they say it will much less than {$120.00}. This is unacceptable because they are supposed to be compensating US for THEIR breach, so it should not matter how many people apply. They should be forced to live up to their original offer of {$120.00} each. The CFPB should not allow the amount to be lowered simply because they hurt more people than they thought they did!!! Also, why are we waiting many months for this compensation??? Give it to us now!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the listed account down below has violated my federal, consumer rights to privacy and confidentiality under 15 USC 1681. 
*XXXX XXXX Account # XXXX- Has violated my federal, consumer rights. 
1 ) 15 USC 1681 Section 602A- I have the right to Privacy 2 ) 15 USC 1681 Section 604A- A consumer reporting agency can not furnish a account without my instructions.

3 ) 15 USC 1681c. ( A ) ( 5 ) Section- No consumer reporting agency may make any consumer reports- containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes with antedates the report by more than seven years.

4 ) 15 USC 1681S-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I had an agreement with XXXX XXXX that this was a pay for delete account. I paid in full after charge off but XXXX XXXX failed to stick to their end of the bargain and did not delete this account as agreed.
Complaint sub-issue: Debt is not yours

MOBILOANSLLC has been reporting on my credit report for no reason. This account was sold to another company and handle by me. I 've disputed this reporting to no satisfaction on my part.
Complaint sub-issue: Account status incorrect

Today, XXXX XXXX, XXXX, I contacted all three credit reporting agencies ; XXXX, Equifax, XXXX. Only XXXX, Experian, provided a credit report. It had multiple errors, or which I filed a dispute. Both Equifax and XXXX could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the Equifax breach, it appears my information has been compromised too! 
XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank National Association and serviced by XXXX. Card number : XXXX XXXX XXXX XXXX. 
2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there was a single fraudulent charge of {$190.00} for a XXXX gift card. I immediately notified XXXX at XXXX. After an extended hold I spoke to a XXXX. She directed me to send my contact info, proof of purchase, copies of the front and back of the gift card, the merchant information, and the reason for my dispute by fax to : XXXX. 
I have copies of those documents and fax verifications. 
3 ) On XX/XX/XXXX I faxed a letter demanding action along with another copy of the items faxed over previously. 
4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 
5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and notify the fraud unit. She also instructed me to email documentation directly to the fraud division at : XXXX, which I did. 
6 ) On XX/XX/XXXX I made a follow up call and was lucky enough to speak to XXXX again. ( I remember her as understanding of my plight. ) She transferred me to a supervisor identified as XXXX XXXX. XXXX XXXX informed me that on XX/XX/XXXX there was a {$200.00} provisional credit issued to a XXXX XXXX. She had no explanation as to this XXXX XXXX. She told me that she would submit an escalation advising of the credit being issued to the incorrect party. She told me someone from the escalation department would contact me within 24 hours. 
7 ) On XX/XX/XXXX I spoke with a XXXX who identified herself as a floor supervisor. I related the whole story ( again ) including the question as to why the credit was not issued to me or why I have never been contacted. She told me that no one in a higher supervisory role was available to speak with me. And she promised that I would be contacted within 24 hours. 8 ) Cricket
s! 
I have documentation for all of the above events. I have been stonewalled with their hope that I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I previously submitted a complaint to the CFPB regarding Citi. Since then I have received new information that should be considered regarding this complaint. 

I pursued the complaint by contacting the Citi Executive Response Team. I have attached their latest reply and some background information.

The crux of the issue ( see attached letter ) is that I received incorrect advice by the Citi billing disputes department about whether I could close and then reopen a payment dispute. Previously Citi had denied that their agent had said that I could reopen a dispute, they have since changed their stance. 

In their latest letter they state, We regret any misunderstanding regarding this matter and that your conversations with our representatives were not completed to your satisfaction. Citi are not denying that their agent may have said this - their agent did tell me that I could reopen the dispute. 

I canceled a dispute with a merchant on the Citi website to work out a solution directly with the merchant ( as requested by the merchant and directed by the Citi agent ). When canceling the dispute on their website I read all of the Citi messages. My biggest issue with Citi is that there is NO warning that the dispute could not be reopened. The Citi Executive Response Team agrees with me. In the attached letter they state, While we understand the verbiage does not specifically state you will not be able to reopen your dispute, it does state that withdrawing the dispute will stop the investigation and close your case. 
Citi is agreeing that they are not adequately warning customers that closing a dispute is final. They have agreed their wording is ambiguous. 
Citi agrees that their agent may have told us that we could reopen a dispute. 
When my negotiations with the merchant failed and I tried to reopen the dispute Citi refused. The merchant has since gone bankrupt. 

I submit that Citi has failed its legal responsibility to adequately warn customers about the hazards of canceling a dispute with a merchant. I believe that the majority of bank customers could not know about this trap, unless explicitly told. Furthermore, Citi have failed to adequately inform their own customer support agents of this rule. In the attached letter they show no remorse or intent to change website messaging and that is clearly leaving their customers in the hands of unscrupulous businesses. Why is this? 

I want the {$4400.00} of the original dispute to be paid to me by Citi. I would never have cancelled the disputed transaction if I had known it could not be reopened. Citi has admitted that they are culpable in this situation. They did not provide adequate warning of the results of canceling a dispute. Furthermore, they do not deny that their own staff may have stated that a dispute can be reopened - which they did. 


XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

There is an approximately {$200.00} debt that XXXX XXXX XXXX claims that I owe them. I disputed this with XXXX XXXX XXXX as I did not authorize the account to be created. They 'accidentally ' created another account in my name when moving several people off my own account to their own. XXXX XXXX XXXX refused to rectify this. As a result XXXX XXXX XXXX has sent this amount to a collections agency. I disputed this through the credit agency and the information was subsequently removed from my credit report. A few weeks later I have been contacted by a new debt collector for this same debt. The representative contacting me was one XXXX XXXX with Triversity. This individual refused to inform me what the call was regarding or that any information could be used to collect a debt. The individual became irate when I would not verify my identity until I knew who they were and what agency they were with. I did not discovery that Triversity was a debt collection agency until I reverse searched the number in XXXX. 

In essence, this debt should not be owed, the debt collection strategies are inappropriate, and the matter should of been previously resolved.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2019, I received a promotion from Discover titled 'earn 10 % Cashback Bonus with XXXX XXXX XXXX ' from now to XX/XX/XXXX. The term said use the XXXX XXXX XXXX between XX/XX/XXXX TO XX/XX/XXXX and received 10 % cash back bonus within 10 weeks of the promotion end date. I made the purchase on XX/XX/XXXX of amount {$85.00}, I should get {$8.00} in my cashback reward account. It's been more than 10 weeks and I still did not see any promised 10 % cashback on my account. I contacted them in XXXX and the do not have a straightforward resonse. They just say you will see that within 10 weeks but I can not see that now.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: No notice of investigation status/result

I really need your help because at this point I do n't know where to turn. I opened the mail and I saw XXXX letters. XXXX from XXXX credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account
Complaint sub-issue: Information belongs to someone else

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  XXXX XXXX {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Complaint sub-issue: Debt is not yours

On XXXX XXXX, I saw a health debt collection on my equifax report. The date of first delinquency is on XX/XX/2018 and the original creditor is a doctor in pennsylvania. There are a couple of problems : First, I have never been to pennsylvania in 2018, let alone visiting any doctors there. I don't recognize the doctor name ( creditor ) at all. 

Second, I haven't ever been contacted by any agencies/doctors about this debt. 

Third, this collection record only appeared on my equifax report but not other reports from XXXX  or XXXX. 

I disputed using Equifax website on XXXX XXXX however Equifax sent me their investigation report on XXXX XXXX saying the record is " accurate ''. 

Equifax has a history of matching wrong records to my credit report. They used to match wrong credit cards, addresses, names, and phone numbers to my files. Each time I needed to file a complain with them. Sometimes it is handled quickly but more often than not, like this time, they don't fix the problem despite that it is so obvious.
Complaint sub-issue: Can't close your account

I opened a credit card account with First progress located in XXXX XXXX Tennessee. After 6 months I was not pleased with the service and closed my account. They sent me a letter stating that the account was closed however the account is still open and has an available credit of {$130.00} along with my past due amount of {$160.00}. I called the company to ask why I still have an available credit and they said because I still have a past due I will always have an available credit. I stated if the account was closed I should not have an available credit however just a past due balance. I later discovered that the account is still open but they titled it somehow someway as closed and it is not technically closed. The company did not want to speak with me nor did they want to show any resolve..
Complaint sub-issue: Debt is not mine

EOS CCA is harassing me and engaging in unlawful collection practices. This debt is being sold to many different companies after I have told the original debt holder almost 10 years ago that this debt was not mine. The current debt holder has falsified the records to make it appear that the debt is 6 years old when it is older. I also told this debt collector that this debt was not mine and to cease and desist all contact in writing and EOS CCA has not complied. This must stop. 

EOS CCA CORPORATE HEADQUARTERS XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Managing Directors XXXX XXXX XXXX ( CEO )
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : 1. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} 2. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Complaint sub-issue: Overdrafts and overdraft fees

I was charged with 3 overdraft fees on XX/XX/XXXX after the bank posted I had available funds on my online banking account ledger. On XX/XX/XXXX ... I was told I was overdrawn on XX/XX/XXXX. The available funds posted on XX/XX/XXXX was inaccurrate. My paycheck.posted at XXXX on the XXXX ... but according to the bank I was still.overdraft status ... .which did not post until.Saturday the XXXX. The bank refuses to refund two of my {$38.00} fees.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

commerce sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED
Complaint sub-issue: Debt was result of identity theft

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there have been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me.
Complaint sub-issue: Information belongs to someone else

i had submitted an police investigation to the bureaus for my credit report because of identity theft on my credit report and has not heard anything as of yet.i have attached documents from the police department doing my investigating