Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

On XX/XX/2019, a purchase from an organization titled as " XXXX '' appeared on my bank account for an amount totaling {$72.00} plus a {$2.00} international service fee from the same organization. I did not purchase any product or service that day and did not know about the transaction until my financial institution, TCF bank, alerted me of possible fraudulent activity. I had told them that I had not instigated the transaction, so they went forward by freezing my account. I was not automatically refunded for my money, as I was told that I was responsible for calling the organization to issue a refund to my account. After being given the phone number of the organization, I attempted to call and was never able to contact someone. At this point, I expected that the organization may be illegitimate and asked my bank to contact the company since I had no luck talking to someone. Afterward that conversation with TCF bank, I was instituted a provisional credit for the amount that appeared to be stolen from my account. On XX/XX/2019, my provisional credit was reversed. I was told that after investigation, they had come to the conclusion that I had benefited from the transaction made to the organization. When I asked how they came to this conclusion, I was told that the details of my case could not be provided unless I submitted a written report to my branch or mailed it in. I was unwilling to do this, as I did not believe that further investigation would cause TCF to change their mind and I was already frustrated at the amount of time I had spent trying to get my money back, figuring that the extra time would probably not be worth the money that was stolen. I still do not understand how they believe that I benefited from the transaction after they flagged the payment as possibly fraudulent, especially when I have had no other history of suspicious activity on my account for the many years that this account has been open.
Complaint sub-issue: Their investigation did not fix an error on your report

I am very upset with the fact that I submitted a complaint to the CFPB in regards to inaccurate reporting AND missing information in reference to Equifax and XXXX. These 2 bureaus all advised that my credit report is true and accurate. I submitted documents with MISSING and INCONSISTENT information within the account information profile. I also submitted documents with INACCURATE and INCONSISTENT payment reporting between these 2 bureau 's. This is violating federal law and I want these accounts reflected in the attached documents to be deleted due to the credit agencies listed above violating federal law and none of them rectifying this problem or I will seek litigation against them. I am very disappointed that a federal entity, such as the CFPB, would allow this type of inaccurate reporting from these companies stand. Furthermore, letting it stand when the complainant is in possession and also producing legitimate and tangible proof, such as a credit report with all of the reporting agency information listed. These credit reporting agencies are also under investigation under the United States Congress in reference to millions of consumers submitting disputes and them not being rectified as well as submitting complaints from the CFPB and nothing changing.
Complaint sub-issue: Account information incorrect

The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.
Complaint sub-issue: Transaction was not authorized

In 2016 my ex-girlfriend 's cousin stole a check and over drafted my account. Now, 5 years later US Bank still has not done anything to rectify the situation. I have submitted my police report to them on no less than 3 occasions. I call them every few months for an update and I receive the same answer, " they're still waiting on the police report. '' I have receipts of two occasions where the police report was indeed sent at the requests of the US Bank representatives. The receipts include names and email addresses of the recipients. I also have the name and address of the thief. Her name was written and signed on the check. My signature was nowhere to be found. I am very concerned that the unauthorized check was cashed in the first place and even more so at the incompetence of US Banks representatives. They continue to deny I sent them any documentation, though I have proof that it was not only sent, but also forwarded to another employee. I refuse to pay them for money that was stolen FROM ME. As such I have been unable to open an account with any other bank for the entire time ( 5 years now ) I strongly urge anyone to avoid doing business with them because from my experience they do not care about their customers. This needs to be investigated and rectified as I am certain I am not the only experiencing these issues with US Bank.
Complaint sub-issue: Talked to a third-party about your debt

Received a call from the " prosecutors office '' to call an " attorney to avoid prosecution '' for an supposed debt from XXXX US BANK. I recorded the collectors and and the " attorney that files suites '' and after they announced they were recording I announced that my end was recorded as well and they instantly dropped the " attorney '' persona and ended the call. US Bank is performing and funding predatory debt collections and releasing personal identifying information to family and friends, who they called after contacting me, about a debt from XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

on XX/XX/18 I booked a hotel room with XXXX for 2 nights, I called to cancel the reservation and was given the run around by XXXX. I was told by a representative at XXXX that I had to call the hotel. I was unable to reach the hotel. I called XXXX back and was promised by the person on the phone that it would be canceled. When the charge was not refunded I disputed the charge with my credit card company and it was investigated. I received notice that the dispute was closed in my favor and the temporary credit would now be permanent. a few months later on I got a letter saying my discover card was being recharged the amount of {$220.00} because the merchant, XXXX sent them documentation based on the fact that I did not call to cancel. I have attached this documentation and it is illegible. I disputed again and yesterday I was notified that the charge was found valid. If I had not called and done a no show the XXXX terms state I would be charged 1 night and tax. i am being charged the full 2 nights which goes against the terms.
Complaint sub-issue: Frequent or repeated calls

I have an auto loan with Ally Financial Auto. I was unemployed for six months and fell behind on payments. Despite making partial payments in any amount I could, they have been and continue to harass me, my wife, extended family members, and my employer with hourly calls and voicemails that are overload our phones voicemails. Additionally, despite making partial payments, they recently locked my account preventing me from making direct payments to them and forcing me to use wire transfers.
Complaint sub-issue: Information belongs to someone else

My identity was use to get health care, utility services and credit account, I had listed the companies and contacted each creditor regarding this issue.
Complaint sub-issue: Information belongs to someone else

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ]. and XXXX # XXXX, which you claim, I owe [ {$440.00} or my account was charged off $ XXXX is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( XXXX XXXX ) Debt amount XXXX
Complaint sub-issue: Other problem

On XX/XX/2019 I paid my citibank AAdvantage card {$6000.00}. 
On XX/XX/XXXX I made another payment in the amount of {$6000.00} incorrectly when I meant to pay off the remaining balance resulting in an overpayment. 
On XX/XX/XXXX I overpaid an additional {$9000.00} because I have XXXX citicards linked to XXXX account and made all 3 payments to the same card. 

After I made the first overpayment on XX/XX/XXXX payments I called my bank ( XXXX XXXX ) as soon as their customer service was open to issue a stop payment but it had already been processed. I called citicard right after to ask them to not accept the extra payment and they said that it wouldn't be a problem. 

On XX/XX/XXXX after my second overpayment I called Citibank again and asked for a refund of the overpaid balance to my checking account they said it wouldn't be a problem. 

On XX/XX/XXXX I called again because the refund hadn't been issued and this time they said they needed to check with their hold department to release the funds. 

XX/XX/XXXX, I called again for a followup but they said they needed to contact XXXX XXXX. At the time it was closed so they said they would call at a later time. 

On XX/XX/XXXX I called them and we had a XXXX person conversation that included XXXX XXXX, Citicard, and myself. They worked everything out and said the refund would be on the way. 

On XX/XX/XXXX citicard backtracked and said they needed to contact another department that held the funds to release it. I contacted the other department, they said they would release the funds. I contacted customer support again and they said everything was ok and the refund would be on its way by wire. 

On XX/XX/XXXX the funds had not arrived and I contacted them again. We had another conversation with Citicard, XXXX XXXX, and myself again. Citicard said they had to contact the hold department again. Also this time citicard representative asked personal questions unrelated to the 2 overpayment transactions. 

The credit card company has taken more than 2 weeks and has still not resolved my request for refund for overpayment.
Complaint sub-issue: Their investigation did not fix an error on your report

Bureaus are ignoring my request for correction of the disputed accounts. After I ordered my updated Credit Report, I noticed that the Credit Bureaus indicates that the disputed accounts ' dispute status are " Account not Disputed '' despite the fact that I have been disputing my Credit file for 5 months already. It makes me wonder whether the Credit Bureaus are really contacting the Creditors to investigate the accounts, or are they really conducting an investigation. Also this CFPB complaint is my 11th Complaint to be submitted still requesting that the Credit Bureaus correct the information they present on my Credit report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Public record

There is a judgement against me, it has been paid and the court has received a letter stating that the debt has been satisfied, but the judgement is not off of my equifax report, but it has been taken off of XXXX and XXXX. The debt is satisfied and equifax will not take it off.
Complaint sub-issue: Information belongs to someone else

see attached- fraudulent accounts reporting on my consumer file remove immediately. in violation of my consumer rights and defamation character. 
XXXX XXXX XXXX XXXX send updated report with it removed
Complaint sub-issue: Their investigation did not fix an error on your report

In late XX/XX/2019, I received notification from XXXX XXXX that I had acquired a late remark on my credit report from XXXX XXXX. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Complaint sub-issue: Information belongs to someone else

Information on m credit does not be long to me.
Complaint sub-issue: Information belongs to someone else

This is miy third attent to remove this account. 
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my XXXX  , Sagestream and XXXX file to avoid further litigation.
Complaint sub-issue: Account terms

I went into XXXX without insurance in 2012 for what I found was a muscle spasm. I was discharged the same day and received a bill for {$560.00} from XXXX XXXX XXXX ( original creditor ) for their emergency services. My family was financially unable to pay that account and the account became delinquent and was reported to collections. XXXX XXXX XXXX ( original creditor ) also had charged me for the XXXX visit since their physicians were not employed by XXXX. I never received a bill from them nor did I know they would impose an additional charge for my visit. Because I did not know about this account, it was sold to a collections agency and has been sold back and forth multiple times. This makes it extremely difficult properly address the agency that owns that debt. Back in 2012 I was not properly informed of XXXX 's financial assistance program ( for which I would have undoubtedly qualified, as I presently qualify ). I recently applied for financial assistance with XXXX and was approved for full assistance. They removed all responsibility for the amount owed. Under XXXX policy and Federal guidelines, adjustments made as a result of financial assistance are also applicable to amounts billed by partner companies, such as XXXX XXXX XXXX. I tried contacting XXXX XXXX XXXX to inform them of this adjustment, however they were unable to provide any assistance since they no longer owned the balance I previously owed them. As stated, it had been sold to credit agency after agency. It is my aim to remove the unpaid status from this debt of {$570.00} through the presentation of XXXX 's charity letter and adjustment sheet attached. I would also like to remove both negative information entries originating from XXXX and XXXX XXXX XXXX as delinquency arose from unfamiliarity with hospital policy and financial instability ; not neglect or indifference. 
Having both of these accounts show up on my credit reports has been financially distressing and emotionally stressful. As a recent graduate I am eager to join the consumer market and build my credit. This incidental information has deterred progress toward building my creditworthiness but I have been persistent in obtaining credit through federal loan programs and other minor credit lenders. I ask that CFPB review the attached documents and settle my dispute fairly.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a FTC report to equifax and XXXX regarding fraudulent items on my credit report. 
To this day over 20 days later I have not received a response yet about my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Other problem getting your report or credit score

This is the 3rd time I'm addressing this concern with Equifax. I recently submitted a complaint to the CFPB XXXXRegarding that Equifax will not release my credit information to XXXX XXXX and XXXX. The never addressed my concerns and closed the case. Here 's their response : Company 's Response Please be advised that there are many different credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Please contact your lenders directly in regards to your application for credit. 


They have an automated system responding to the complaints as they should be fined for this for wasting the CFPB and my time. 

Also I signed up for a membership with Equifax and it was supposed to be {$1.00}, but they charged me that twice. This company is a scammer and instead of them doing what they're suppose to do they don't.
Complaint sub-issue: Account opened as a result of fraud

I submitted a complaint ( # XXXX-XXXX  ) to the CFPB on XX/XX/2020 that Citibank fraudulently tricked me into opening a checking. I fulfilled all the requirements of the promotion in order to receive XXXX Citibank points in my " Thank You '' account with Citi. I submitted 16 pages of documentation of this fraud. I just received a response today from Citibank and from the CFPB. Citibank lied to both me and the CFPB that they had in fact deposited XXXX Thank You Points on XX/XX/2020. Here is the response submitted to the CFPB and to me today. 

" Upon receipt of your concerns we engaged our Senior Management overseeing our promotions. They have confirmed that you were targeted for the promotion code XXXX for XXXX Thank You Points. You did meet the terms and conditions of the promotion. The XXXX Thank You Points were credited to your Thank You Members account number ending XXXX on XX/XX/2020. '' Citibank has not in fact deposited the XXXX Thank You points in my account as of today. Furthermore, Citibank claimed to have even deposited the points 10 days before I even submitted my complaint to the CFPB which is an outright lie. I attached the letter from XX/XX/2020 which Citibank stated I wasn't even eligible for the promotion and therefore was not going to receive the points. 

It is one thing that Citibank apparently hates its customers to defraud them, but it is a whole other problem for Citibank to blatantly lie to the CFPB, its regulator, and lie in it's official response stating the situation is resolved when it is anything but resolved. Astoundingly, Citibank claimed to have resolved the complaint ( on XX/XX/2020 ) before I even filed the complaint on XX/XX/2020. I will likely have to take legal action now as a result of this fraud. 

The CFPB should not allow one of the largest banks in the US to commit fraud against its customers and then blatantly lie to the CFPB that the case is close by claiming they deposited the points I am entitled when they absolutely did not and admitted in writing to the fact they have not.