Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Cashing a check

I went into a Key bank branch on XX/XX/2021 to dispute 2 check frauds on my account. I was starting a new business and received two letters that appeared to come from the Ohio Department XXXX XXXX that threatened significant financial repercussions of $ 7,000+ to myself if i did not take immediate action to send the funds for the required documents for my business. After sending the funds and never receiving anything back from the Ohio Department XXXX XXXX, I called the department on XX/XX/2021 to determine what was happening. Their representative informed me that the letter I received was fraud and that I should take immediate action to protect my accounts, which prompted me to go in branch on XX/XX/2021. The representative at the branch told me to open a new account and transfer the funds I remaining into the new account, and they would open disputes on the XXXXwo check amounts. After waiting as the branch representative said it can take up to 30-days I called on XX/XX/2021 into the customer service line to figure out what is happening with the disputes as the Key Bank app shows me that they were cancelled. Speaking with the first representative, they informed me that the case was closed by me on XXXX that information was incorrect as I never authorized the case to be closed. After informing the representative that I did not approve the case to be closed I was transferred to the dispute department for additional research. The disputes representative then confirmed that I had not closed the case but it was Key banks dispute team that closed the case as apparently their fraud department handles check fraud and not them. At that point I had asked what could be done, and was instructed to go into a branch to see if they can open another case. After expressing to the representative that I did not feel comfortable going back into branch as i had already been sick, they informed me they would transfer me to the fraud department and they can assist in opening and processing my case over the phone. That turned out to be a lie, as after almost 10-minutes of waiting the ringing is then followed by a dial-tone and the call is disconnected. Calling back into Key banks customer service, I requested to be transferred back to the fraud department as the previous dispute representative told me I could file through them and did not have to go into branch. After continuously expressing I do not feel comfortable going into branch, as they do not know what they are doing, the representative then informs me of some policy that only fraud can be done at the branch and they will not file a check fraud claim over the phone. No other representative mentioned such policy of check fraud only being able to be processed at the branch. Looking through my disclosures and on Key Banks website the document informs customers to call customer service to dispute check fraud. If check fraud can only be handled at the branch this should be clearly spelled out. This is all very misleading and the customer service has been terrible in trying to get my funds back and the check fraud corrected.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXX XXXX bought my debt from loanme where I got the loan originally in XX/XX/2017. XXXX XXXX XXXX has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I sent letters of dispute under section 623 of the  FCRA to the companies listed below. The companies had previously " verified '' the validity of these accounts to the credit reporting agencies, and the items remained on my credit report. Section 623 gives consumers the right to dispute inaccurate information on their credit reports directly to the data furnishers, after disputing directly with the credit reporting agencies. All of the companies listed below did not respond to my disputes within the allotted 30 day period per the law. The accounts must now be deleted per the FCRA. As a refresher section 623 of the FCRA states in part the following : " DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' It goes on to say " ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report  the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and '' The companies below have failed to follow the law as written. If these accounts are not deleted I will be forced to seek legal remedy under the FCRA. 

The companies in question are the following : XXXX XXXX : Partial Account # XXXX XXXX XXXX XXXX : Partial Account # XXXX XXXX XXXX : Partial Account # XXXX Attachments : Letters sent to each company Tracking information Proof of signature from each company
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Added an authorized user to my account, and a new card was mailed to my address. the card was not received in the mail, but on XX/XX/2022, I was alerted that XXXX XXXX XXXX tried to charge {$340.00} but declined. I should click Yes if it's me and No if it's not me. 

I select No. It was not my transaction nor my authorized user. I called customer service and spoke to the fraud team, and they order me a new card, which I am yet to receive. I was told on multiple occasions that the fraudulent amount would be credited. I am yet to receive it. 

I have contacted Discover card on multiple occasions just to be transferred to the same set of departments over and over.
Complaint sub-issue: Their investigation did not fix an error on your report

I did not give the credit reporting agency written permission to report the following reports : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Congress said that the bank system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. You have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. You assumed a VITAL role, and this is a violation of my privacy-I never gave authorization to report this ever to you directly. Delete this account immediately. An investigative report is suppose to be fair for the consumer and alsi is not suppose to include factual information on a consumers credit record obtained directly from a creditor of the consumer, delete this account from my consumer report. You might not want to be tied to this account, because I have put XXXXXXXX XXXX XXXX on notice.
Complaint sub-issue: Problem with rewards from credit card

I submitted three price rewinds on XX/XX/XXXX ( XXXX, XXXX, and XXXX ). I had not received any notification on the status of them, therefore, I called about two weeks ago to get an update. I was told that they were denied for the following reasons. 

XXXX Denied because the price wasnt listed online. I had submitted a picture of the XXXX XXXX Sale price that the store I purchased it from was running. In the picture it clearly stated the offer was valid XX/XX/2019 - XX/XX/2019. If Citi had contacted the store, they could have confirmed it as well. Furthermore, in Citis Terms & Conditions, it clearly states that all that is needed is " A copy of the merchants advertisement showing the lower price for the same item by the same manufacturer '', which is EXACTLY what I provided in the picture. The valid dates in the picture complete the 2nd necessary requirement in Citis Terms & Conditions ( Effective date of the merchants advertised lower price ( must be within 60 days of purchase ) ) XXXX & XXXX Denied because the items ( both XXXX wiper blades ) were considered consumables. In Citis Terms & Conditions, it says Items that can spoil or are consumable and need to be replaced after they have been used for a period of time such as food, fuel, batteries, medications, beauty products or personal care products. are not eligible. Clearly, wiper blades do not fit that criteria nor are they listed. If wiper blades are considered consumables, then every item in the world is a consumable ( i.e. a TV eventually breaks and needs to be replaced ). Furthermore, I have had brake components approved on Citi 's Price Rewind in the past. 

I was told that a Citi Price Protection Supervisor would contact me within 24 hours, however, that never occurred which is why I am contacting the CFPB. I do not know if this behavior is a result of Citis decision to remove the Price Protection Program,  however, it is unlike Citi.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Account status incorrect

This account became delinquent in XX/XX/2019. The company filed court action, after I missed payments. I communicated with creditor but was forced to sign a judgment to be able to pay them and get my account in good standing. Since that time, on XX/XX/2019 they did a hard credit pull on my credit file without my consent. In addition to this, they also locked me out of the online account ( which is where I can view account details, make payments etc. ) It says I do not have an open account with their company. In addition my most recent payments in XXXX and XXXX, I called into their office to make payments with XXXX. She told me each time the total amount that was due. On XX/XX/2019, I paid the monthly payment amount of XXXX, on XX/XX/2019, I paid the monthly amount of XXXX. Again, on XX/XX/XXXX I called in and spoke with XXXX, he said my payment was due on that day XXXX, and that as of then I was not behind. I determined the next day that they are reporting I am 60 plus days late on this account, and not being transparent to me about this. I need help with this. As someone that's had credit issues. I had established finally a good credit score with a lot of hard work. They have dropped my credit score by more than 100 points, and are affecting my job and my family.
Complaint sub-issue: Their investigation did not fix an error on your report

Certified dispute letters was sent to all 3 credit bureaus
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX XXXX PM I enabled a 2 % off promo in Cash App to be used with my card, I went through the app as it has you checkout on XXXX through app to get the discount, after placing my order on XXXX from inside the Cash App app I noticed the 2 % off boost was not showing up on the transaction despite having done the checkout in app just like it said to do. Their was no fine print besides this Expires in 8 days 2 % off each XXXX purchase, Min. Purchase of {$1.00} Max discount {$50.00} valid once every hour shop in cash app to redeem the transaction was done in app as it stated and it was for {$39.00} totally meeting the requirements. I contacted support to which they told me this exactly - Category Boosts can only be used at stores that sell items from specific categories. For example, the Grocery Store BoosXXXX can only be used at grocery stores. While XXXX does sell groceries, the Grocery Store Boost wouldn't work since they're more than a grocery store. I know it's frustrating that there isn't more I can do to help in this situation. Please let me know if you have any other questions I can help with. 

The response makes no sense as Im not using a Grocery store boost at XXXX Im literally using the XXXX boost at XXXX through the app like they state you have to. 

This is deceitful advertising and luckily this transaction was small but what if it was larger? I believe I am still entitled to this promo as it was advertised and not delivered support refuses to provide anything but that copy paste generic response. 

I have attached screen shots of the promo, the charge showing no boost, the overview showing how charges look when a boost is applied and the screen recording showing me going through the purchase
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Recently I paid off a credit balance that is listed on my credit report ( I didn't close the account, just paid it off ). This had the effect of lowering my credit utilization which is supposedly a good thing. However, as a result of doing this, both XXXX XXXX and Equifax report the account is paid, but as a result, they both lowered my credit score. I've tried to contact both agencies with little success. I was able to file an online dispute with Equifax, which they have acknowledged but not responded to as of yet. However, I have been unable to do the same with XXXX XXXX. Their web site for initiating a dispute doesn't work, and if you call them, you just sit on hold forever - so far XXXX hours in my case. Hence I would like to file a complaint about XXXX XXXX at least.
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me XXXX XXXX XXXX $ XXXX dispute XXXX XXXX XXXX $ XXXX $ XXXX dispute XXXX XXXX XXXX  $ XXXX dispute XXXX XXXX {$270.00} /dispute
Complaint sub-issue: Information belongs to someone else

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on time.
Complaint sub-issue: Information belongs to someone else

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



Bankruptcy XXXX XXXXXXXX Reference # : XXXX
Complaint sub-issue: Other problem getting your report or credit score

My daughter currently has a student loan with Discover which I pay for of {$44000.00}. A previous loan {$20000.00} ( estimate ) we paid off in XXXX. My daughter and I contacted Discover to refinance the existing loan which is on a variable term basis and currently at 6.5 % to a 3.7 % fixed. We completed the application with their representative and she told us that my daughter was declined. I told her fine do it with myself as a co-signer and they said she can only have a co-signer if she's approved first. We checked her score with Discover on line and it came back XXXX which is far higher than most. In addition when she took out the loan she was a student unemployed and now she is an attorney, has excellent credit & employed full time for over 3 years and they deny her. And to also say she can't refinance even offering to apply with her myself who score last I checked was XXXX seems highly suspicious! I feel that Discover is taking this action to avoid lowering the interest rate be paid. That should be highly in violation of the fair lending act. 
I have attached a copy of my daughters credit score pulled from Discover 's web site for purpose of validity. Also I've attached a copy of the Discover loan detail page.
Complaint sub-issue: Information belongs to someone else

I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX I opened a CIti checking and Savings accounts as a result of a {$500.00} advertised promo I got in the mail. In early XX/XX/XXXX I contacted Citi to verify what else is needed for me to get the {$500.00} promo, they told me that my account wasn't eligible for the promo. That was the only reason i opened the account.
Complaint sub-issue: Banking errors

In late XXXX I signed up for a checking account with First Tennessee with a promised bonus. I fulfilled the requirements and waited the required time frame for the bonus to post. When the bonus did n't post I messaged them and they said the offer did n't apply to my state. I asked for a link to prove that it did n't, because I did n't see it at opening - and I read fine print. I was given a different number to call and when I called it I was told there is a bonus code attached and he would check the landing page. Than I was told it was expired when I opened the account, than I was told it did n't apply to my state. When I asked for a link/landing page I was told that there is n't one and the customer service rep remembered this bonus code from 5 months previous and it did n't apply to my state. He said customers usually have their own proof for the bonuses. I think this is very dishonest since a large number of First TN bonuses DO apply to my state, I did review the fine print, and they have no record of their own offers.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a letter from Lexis nexus stating they have no bankruptcy on file from me .. XXXX  continues to say they verified this account with Lexisnexis ... is XXXX  verify this account when I have provided a letter from the vendor Lexisnexis . This is my 4th time send this letter