Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third-party about your debt

Evans & Green, LLP in XXXX, MO was hired around XXXX 2017 to collect a debt from our business regarding advertising with a local tv station - XXXX aka XXXX XXXX XXXX. 
During the attempt to collect the debt this law firm as repeatedly come into both retail stores taking pictures, harassing employees telling them that the store will be closing because all assets are being seized, harassed employees over the phone. 
Now as of today this law firm has posted defaming comments on both stores XXXX pages on all of the posts attempting to announce the unpaid debt to all of our companies XXXX fans and customers. The posts appeared 21 times throughout both XXXX pages. 
This is clearly a violation of privacy and a violation of the Fair Debt Collection Act.
Complaint sub-issue: Information belongs to someone else

The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ... 
XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} XXXX penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ...
Complaint sub-issue: Debt was result of identity theft

In my credit report they see 2 credit cards with this company because I was a victim of identity theft and they opened 2 accounts with them and with different companies. I have sent them on several occasions a police report and different documents to prove to the company that it was not me who opened these accounts, but they investigated and determined that one of the accounts was opened fraudulently and the other they began to charge me for middle of the court. I have asked them to validate if the address and all the information that appears in this account is the same as the account that they deleted me because none of the 2 accounts belong to me and they tell me that they do not know how it was valid because that is a department apart and that they do not outline. 

This was the letter I sent to the company today. 


I am writing this letter because I received a letter from the court where I was summoned for an account that appears under my name with you, this account and another account that appears in my credit report was disputed more than a month ago because I was a victim of theft of identity and this and other accounts were opened under my name. One of the accounts I had with you that ends XXXX was investigated and deleted because it did not belong to me either. I need this account to be investigated again and stop any type of collection through the courts because I have evidence which was sent to you a month ago certifying that I was a victim of identity theft and these accounts do not belong to me. I need you to validate all the information you have about this account, such as my driver 's licenses, social security and any document from which these cards were received when they were opened. I will be sending the police report and all the documents that I send so that this investigation can be opened and investigated in a fair manner. How is it possible that one of the accounts you delete because it does not belong to me and the other not because you believe it belongs to me. I will be filing a complaint with the Consumer Financial Bureau to ask them to investigate you because you are not complying with federal fair credit laws.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXXXX XX/XX/2021, Equifax Mortgage Service XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 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: Reporting company used your report improperly

Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Complaint sub-issue: Transaction was not authorized

There was a fraud account transfer from my checking account for a total of {$350.00}. The app used was XXXX XXXX app. I tried to contact the person ( XXXX XXXX ) whom the money was transferred to and they immediately blocked my number after withdrawing the funds. I immediately called XXXX XXXX App but they asked me to call my Bank to dispute it. I called my Bank ( PNC ). They took more than 8 weeks and denied my claim and charged me Overdraft Fees ( {$72.00} ). Either XXXX XXXX could have called the person ( XXXX XXXX ) and resolved ot my bank ( PNC ) would have done a proper investigation. Instead PNC charged me overdraft fees and failed to do a proper investigation. Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC I want XXXX and PNC to investigate the fraud with the person XXXX XXXX and refund me the total {$350.00} + {$72.00} = $ {$420.00} Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC Information about the app : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX is a mobile payment service developed by XXXX XXXX, allowing users to transfer money to one another using a mobile phone app.
Complaint sub-issue: Debt was result of identity theft

I HAVE CONTACTED THIS COMPANY SEVERAL TIMES AND ADVISED THEM THAT MY IDENTITY WAS STOLEN, AND THEY ARE HARASSING ME TO PAY THE BILL, I HAVE DISPUTED THIS WITH THE COMPANY SEVERAL TIMES.
Complaint sub-issue: Personal information incorrect

I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted a verification and also validation request of the information that reports the most ; I have received is that the data is verified. I have also requested the who confirmed the information and how information was verified. I have not received any response to those, nor have I received proof of validation from the bureau. I have submitted my most recent request on XX/XX/2020, and before that, I presented on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have made Phone disputes also during XXXX and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Disputes were submitted to all three credit reporting agencies on multiple occasions this year. XXXX continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally XXXX violated many other Federal laws which entitles me to financial compensation.
Complaint sub-issue: Public record information inaccurate

I have contacted the credit bureaus, and reported of the inaccuracies on my credit report due to my bankruptcy, and they have not responded. The three credit bureaus are reporting wrong information on my credit report. Equifax sent a letter saying that I need to send in my driver 's license and a utility bill, in which I did. 

If my bankruptcies are not removed, due to inaccurate reporting, I want to file a lawsuit against XXXX, Equifax, and XXXX. Attached is the copy of what I have sent the credit bureaus.
Complaint sub-issue: Problem lowering your monthly payments

i graduated in XXXX with multiple student loans totaling $ XXXX. Also due to being a full time XXXX XXXX i also accrued about {$7000.00} in credit card dept. since the time of graduation i have attempted to inform PHEAA multiple times that i cant afford the cost of repayment that the company was asking. PHEAA also quit sending my payment by mail about two years ago. when questioned last month about why they told me that they have been sending via email and that they did not have to send me notices at all it was just a courtesy. they were sending notices via email with i never signed up for. PHEAA is unwilling to work with me and has now placed my loans in default. i signed up for the public service repayment program. this program is not only a unfunny joke but is detrimental to the public servants it takes advantage of. 
i have been trying to figure out how the XXXX this is a loan forgiveness program when they wanted me to pay {$160.00} a month for the next 10 years lets do the math ( XXXX*12 ) =XXXX*10= {$19000.00} are you kidding me. i could have paid this loan off over the last five years and paid less in interest and for the loan period. i also understand that Massachusetts AG has filed suit against this very company for taking advantage of people that only want to help people.
Complaint sub-issue: Banking errors

It was an impossible but obvious error on my Citibank checking acct : A check ( # XXXX ) I wrote to pay a merchant was cashed twice on a same day ( XX/XX/22 ), for the amount I wrote, {$7300.00}, and another {$730.00}. I called Citi the next day and a rep named XXXX agreed to correct the error, saying the next XXXX  ( XX/XX/22 ) the credit of {$730.00} would be on my acct. But it hadnt happened until XXXX  ( XX/XX/22 ) when I called it again. A rep named XXXX ( who was nice ) with her supervisor ( who sounded quite inpatient ) said they'd credit it back to me next XXXX  ( XX/XX/22 ) ; but the {$730.00} debit is still shown on my acct today XX/XX/22 ). Nothing happened, no call and no email ( as they said they'd do ). I'm requesting Citibank to remedy the error by paying me {$300.00} for its ongoing negligence as well as crediting the {$730.00} to my account.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) XXXX Balance : {$86.00}
Complaint sub-issue: Public record information inaccurate

Near XX/XX/22 XXXX insurance has reported that my legitimate, approved claim for a minor scratch and dent issue with my car is a collision accident. First, I had full coverage to cover any issues. Second, this minor damage was not my fault as it was an immovable object that I could not see when I was backing out of the proprietor 's garage. No one was hurt and no damage was done to anyone or thing except my car. The damage was more than I can afford, so XXXX 's claims department advised me to go ahead and get this minor damage fixed as I had already paid for just this kind of potential event. Unbenownst to me, XXXX has reported this as a collision and now my XXXX XXXX Report and my CLUE report are showing this incorrect information which is now preventing me from being able to obtain reasonable insurance. I had no idea that this kind of report would follow me for at least 3 years. I contacted Lexis Nexis to file a complaint and correction. To this date nothing has been done.
Complaint sub-issue: Problem during payment process

My wife and I got a Greensky credit card in the Spring of XXXX for making purchases at our buying club, XXXX. 
I understood in advance if I paid the balance in full for purchases by XX/XX/XXXX, I would not incur any of the accruing interest charges@ 29.99 %. 
Since I received a loan from my credit union on XX/XX/XXXX, I was able to pay off three credit cards with high interest : XXXX, XXXX and Greensky. 
The transactions all took place on the same day XX/XX/XXXX ... and checks were mailed to all three lenders. Both XXXX and XXXX posted credits to my accounts on XX/XX/XXXX ( 5 days later ). Greensky did not post the credit until XX/XX/XXXX ( 14 days later ). 
If I had waited until the end of XXXX to repay my bill ( due XX/XX/XXXX ), it is very likely that it would not have been credited to my account in time not to incur HUGE 29.99 % accumulated interest. 
This looks like predatory lending to me. 
Even though this smelled bad, what eventually made me file this complaint is that they said it would take 30 business days to send me my refund for the overpayment I had on my account. 30 days!!! Greensky looks like a bad actor and should be investigated.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit report is displaying payments of ; on time ( XX/XX/XXXX ), 30 delinquent ( XX/XX/XXXX ), 60 days delinquent ( XX/XX/XXXX ), 90 days delinquent ( XX/XX/XXXX ) and 120 days delinquent ( XX/XX/XXXX ). Then shows on time payments on XX/XX/XXXX and XX/XX/XXXX. Account was closed XX/XX/XXXX and last payment was made XX/XX/XXXX. A letter was submitted to the credit reporting agency when they " updated '' the account and added the on time payments of XX/XX/XXXX and XX/XX/XXXX. My last submitted dispute/documentation was sent to them XX/XX/XXXX but this was addressed three times in the past.
Complaint sub-issue: Reporting company used your report improperly

Equifax had XXXX for internet security and got hacked and my information was in it.
Complaint sub-issue: Received bad information about my loan

I have been trying to make payments for my student loans under the XXXX program. However, every time I make any change to my account, I am given bad or incorrect information regarding how to make payments, when payments will be made, how long changes to my plan status will take to be changed, etc. Each of these delays costs me XXXX of dollars in payments and interests and delays the time in which I will be finished with my payments. FedLoan Servicing has been terrible regarding the information that they give me, which is extremely inconsistent between customer service representatives and has caused errors in my payments and processing.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

My car loan is with PNC Bank. My car was repossessed on XX/XX/2020. I was not home when it happened. The repo company came to where I was and repossessed my car. I had spoken to PNC Bank on Friday XX/XX/2020. The teller I spoke to recommended that I schedule a visit with a PNC advisor. I thought this was a good idea. My car was repossessed before I could meet with an advisor. I never received any official writing from PNC in the bank. I was not given a chance to get current, nor was I given any kind of notice about repossession, or the possibility of repossession. I feel that PNC Bank was being punitive in repossessing my car, because I mentioned that I was thinking of trading my car in so I could start over.
Complaint sub-issue: Confusing or missing disclosures

On or about XX/XX/2019 I went to Key Bank in XXXX Ohio to open a checking account per their mailing. The offer states to get {$400.00} open a checking account with a one single deposit of {$500.00} or more within 60 days of opening account. When I got to the bank they informed me that I have to make {$500.00} deposit every month. Nowhere does it says you have to deposit {$500.00} every month. This seems to be a bait-and-switch tactic on the part of the bank
Complaint sub-issue: Personal information incorrect

Hi. I have contacted Equifax, XXXX and XXXX several times asking them to update my address to XXXX  XXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immiedietly remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX 15 USC 1681 section 602 A,  States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

It has been brought to my attenttion that the Equifax Reporting Agency is not complying with the Federal regulation. I am submitting this CFPB Complaint to request to Equifax Credit Bureau to remove the disputed erroneous accounts that are still reporting to my Equifax Credit report. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}, are only reporting with Equifax Credit Bureau and were already removed from the other Credit Reporting Agencies. Also, I noticed that the dispute status of the disputed accounts are indicating " Account not Disputed '' despite the fact that I have been disputing these accounts for 6 months already. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately
Complaint sub-issue: Was not notified of investigation status or results

Hello I hope all is well with you. On XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me
Complaint sub-issue: Card was charged for something you did not purchase with the card

There are 13 fraud charges from uber trips between XXXX on my CITI credit card . I was contacted by CITI fraud department on XX/XX/2021, and I disputed all these charges from XXXX as I didn't use XXXX for months. After several weeks of security investigation, only 12 charges were refunded. 

2 of the 13 charges have same amount {$48.00}, and I only get 1x refund for {$48.00}. So I opened a dispute " unrecognized charge '' on the second {$48.00} on XX/XX/2021. I didn't see any update after 2 weeks, so I called CITI on the beginning of XXXX. The agent heard my story, and confirmed I have 2 fraud charges of same amount, but I only got one refund. She issued a credit of {$48.00}. 

On XX/XX/2021, I got email from CITI said " My dispute has been resolved '' and " view my message ''. But CITI secure message center said I have no message. I also noticed there was a charge of {$48.00} on the card as " reverse uber trip ''. I had no idea what's going on, and called CITI again. The agent said they would investigate. 

Another 3 week passed, nothing happened. On XX/XX/2021 I use live chat to talk to CITI. 
And I finally figured out : 1. My dispute was resolved as " the merchant denied the refund request and you must request the refund directly from the merchant ''.

I explained to the agent my disputed charge is fraud, I don't have any trip under my XXXX account on these days and I got all the rest XXXX trips refunded. Why this one is so special? 

2. Then I learned that " In the case of fraudulent transactions they shouldn't be disputed at the security investigation process is different from the payments disputes process. '' However, CITI website only supports opening dispute as payment dispute. I filed dispute as " Unrecognized charge ''. Customers don't have option to open security investigation, and I clearly stated these are fraud charges in all my calls with CITI. 

3. When I asked the agent how to get refund then, I was told " If you'd like I can refer the second transaction for {$48.00} to the security team to review. However I can't guarantee they will provide a credit for that transaction as it has already been disputed. '' This is so ridiculous, CITI security team missed one fraud transaction first, then later multiple agents were unable to help customer to file the correct dispute, and last customer were told we might not get credit because it was disputed incorrectly? How would customer know all these difference between fraud dispute and payment dispute? We see unrecognized charges, and we dispute it under this reason.