Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

My father had an IRA with BBVA which he was allowed to set up without a beneficiary, unfortunately. He passed away intestate. I have been trying to obtain hard copies of BBVA/PNC 's bank instructional information regarding this situation from BBVA/PNC for months now . Specifically, I've asked for a custodian agreement or whatever policies the bank ( s ) have for accounts with no beneficiaries. I've called and left voicemails with the legal department ( do not have dates but sometime between XXXX XXXX ) and have not received a response. I faxed the fulfillment department on XX/XX/XXXX and have not received a response. I visited a branch in the next state over ( there are no branches in my home state ) on XX/XX/XXXX and waited in line for 30+ minutes to meet with someone for this information. I spoke with XXXX XXXX, the branch manager at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, who advised me that he would have to call the legal department and the wait would be 40 minutes. He gave me his business card and told me he would help me over email. To date, he has not responded to any of my emails ( sent : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - today ). The only information I have been able to obtain by phone ( previously and this evening on XX/XX/XXXX ) is that to transfer an account after a death, a death certificate and either : 1 ) Letters of Administration, 2 ) Letters Testamentary, 3 ) Affidavit Claiming Successor, 4 ) Court Order, or 5 ) Muniment of Title/Affidavit is needed. I am unable to obtain the Letters of Administration from the Court without a document from the bank saying that the letters of administration are needed due to the length of time that has passed since my father 's death. BBVA/PNC has told me the only way to obtain a " printout '' of this information is to go to a branch and request it. How is this even possible in this day & age? I have already done this unsuccessfully and the nearest branch to me is 182 miles away in the next state. Additionally, the branches DO NOT ANSWER their phones so it is not possible for me to set up an appointment to meet with someone. The website does not have an option to set up an appointment electronically either. I've been told that in order to transfer the account when I do have the Letters of Administration, I also have to do this in person. This is the first time I have encountered this issue in any of the accounts we've had to transfer for Dad and unduly burdensome since PNC/BBVA does not have any branch locations near me. All other accounts with other institutions have been transferred remotely after faxing/emailing/mailing information. 

I'm able to provide the emails sent to XXXX XXXX as well as the fax ( and confirmation ) sent to the fulfillment department upon request.
Complaint sub-issue: Problem with personal statement of dispute

federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name US DEPT OF EDXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is in accurate.

The response on XXXX for 60 days of completeness is not correct the company has 5-30 days for completeness 15 U.S. Code 1681i - Procedure in case of disputed accuracy W15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. C The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.

r reseller. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer
Complaint sub-issue: Debt is not yours

XX/XX/2022 I received a notification saying that Rise had updated a charged off account to currently late which is a because its listed as charged off on my consumer reports. Now how can a charged off account be currently late? This company is willfully causing harm because they refuse to admit that I don't owe anything to them. The amount they are displaying {$4000.00} which there no validation that I owe this alleged debt.
Complaint sub-issue: Account status incorrect

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Reporting company used your report improperly

4th time EQUIFAX why are you reporting to XXXX, I asked you 3 times before and you keep dodging the Question NO answer, there is no dispute just the question you refuse to answer, I may need to contact other law enforcment to get you to answer
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX because they agreed to remove these transactions they are now along with XXXX XXXX and XXXX in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchase a XXXX XXXX XXXX Contract Number XXXX in the amount of {$470.00} in 3 equal payments to cover my Dishwasher and Electric Dryer. Payment # 1 was received by Sears on XX/XX/XXXX, Payment # 2 was received by Sears on XX/XX/XXXX and Payment # 3 was received by Sears on XX/XX/XXXX each from the account ending in XXXX. 

This agreement was to cover my appliances until XX/XX/XXXX. 

On Tuesday XX/XX/XXXX, I called Sears Home Services at XXXX to get service on my Non-Working Dishwasher. 
I was told at the time that I cancelled the XXXX XXXX XXXX on XX/XX/XXXX and money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I told them that I never cancelled this and then I was transferred to another department who also stated that I cancelled and the money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I then called Ms. XXXX XXXX a member of the Executive Member Support at XXXX to ask for her help. 
On Tuesday XX/XX/XXXX I received a non-statement form from Ms. XXXX showing payment was refunded with no other proof. 

I then requested statements covering the period from XX/XX/XXXX until XX/XX/XXXX for the account ending in XXXX. 

It took 3 weeks for those statements to arrive and they showed the refund was never made.

After many hours on hold with Sears trying to get answers,  sending letters to Mr. XXXX XXXX XXXX and Mr. XXXX XXXX, plus leaving many messages for Ms. XXXX, no one ever call or responded. 

It has been 8 weeks now and my Dishwasher still does not work and at this point all I want is the {$470.00} Sears claimed they refunded which I never received. All I want my money back for service that I paid for and never got.
Complaint sub-issue: Information belongs to someone else

I called IC Systems collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX  report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : **An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants IC Systems authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. 

Today XX/XX/2020 IC Systems decides to report the same collection information on my XXXX  report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for IC Systems. I have provided documentation showing IC Systems being deleted from my XXXX  report as they could not validate this fraudulent debt ; proof showing this XXXX XXXXXXXX XXXX belongs to IC Systems and documentation showing them adding the same exact collect on my XXXX  report under " XXXX XXXX. ''
Complaint sub-issue: Information belongs to someone else

I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
Complaint sub-issue: Debt is not yours

I received a copy of my credit report and found an account that didn't belong to me.
Complaint sub-issue: Problem with product or service terms changing

XXXX XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair credit Reporting Act XXXX XXXX Account # XXXX Has violated my right as a consumer. 
I never initiated nor authorized this account to be on my report.

15 USC 1681 Section 602 A states my right to privacy consumer reporting 15 USC 1681 Section 604 A states Agency Can not furnish my Account without my written instructions.
Complaint sub-issue: Personal information incorrect

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Reinserted previously deleted info

Equifax deleted Bankruptcy filed on XXXX Between XXXX XXXX and XXXX XXXX, XXXX and then reinserted it without notifying me. It is my understanding that I am to be notified before any debt is reinserted on my credit report. Equifax also re-inserted a Judgment from XXXX without notification.
Complaint sub-issue: Account status

This account supposed to be closed and has a XXXX balance. please fix this issue with Equifax crdedit report.
Complaint sub-issue: Information belongs to someone else

Im demanding that these fraudently accounts be blocked and removed from my credit file. My idenity has been compromised and reported. Im demanding that the XXXX major credit agenices remove these accounts immediatelty. 

XXXX. XXXX XXXX Bank XXXX. XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX. XXXX Bank XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

Communication Tactics may also apply. 
Made an attempt to pay off an eviction claim from XXXX by calling Hunter Warfield. Since I am trying to pay off a huge student debt and all of the costs associated with being evicted due to health problems that started in XXXX, I offered {$50.00} a month. The representative said that this was good and that after the first year they would re-evaluate my case and see if I could pay more or possible give an offer to charge off. The phone call was interrupted and mysteriously dropped. When I was able to speak to them again I was told the {$50.00} would not work and it would take ten years to pay off and that I could send payments in to an address at XXXX florida XXXX To Account # XXXX. But that was it. No cards, no bank routing number, no agreement of any kind. This not only seemed like a " bait and switch '' tactic but it also left me with a sense that the representative was trying to squeeze more money out of a budget that does not even allow me to keep a roof over my head in my own name. I am extremely concerned that there would be no paper trail as I currently do n't have checks.
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report, I notice an account from XXXX XXXX XXXX dba XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Investigation took more than 30 days

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A sates 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Frequent or repeated calls

PNC Bank has contacted me numerous times the past few days and every attempt I make to answer the call their call disconnects immediately. I know their calling because my checking account has been over drafted for a long period of time, and I'd be happy to explain to them how I can repay the debt and what to expect moving forward however I can't do that if they keep hanging up on me after initiating the call.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, all my student loan accounts with XXXX XXXX XXXXXXXX were brought back current, positive reporting, and deferred until XX/XX/XXXX. XXXX is showing those accounts double on my credit report, in negative and standing and good standing. I called the XXXX XXXX XXXX and was told that these accounts should be showing current. XXXX had submitted what they needed to fix credit reporting. I have written in to XXXX about the issue back in XXXX and the delinquent reports are still showing. Status in both areas for these 3 accounts are showing transferred, closed/neverlate. The other XXXX accounts are showing open/neverlate. Deferred, payments begin XX/XX/XXXX. I called XXXX on XX/XX/XXXX and they stated that my credit reporting was approved and changed in the system in XX/XX/XXXX.
Complaint sub-issue: Trouble with how payments are handled

I refinanced my loans back in XXXX for a lower rate. At the time of origination I completed the paperwork for auto payment of my loans. Doing so would lower my rate by .25 %. The lender contacted me in XXXX saying my account was 2 month deliquient and I would be responsible for late fees and other penalties for non payment. At that time I submitted a payment for the full amount due and signed up again for auto payment. Just today I received a notice saying I was 2 months late and they were going to assess late fees and penalties. I contacted the company and they said they never received the auto payment paperwork. I have sent them the back up document but I am concerned about the late fees they are assessing on my account and the .25 % I am due for having signed up for auto payment in the first place. Please note on the website it shows I am enrolled in auto payment. 

Additionally when I originated the loan I received a letter from a services stating that my loan amount was twice the amount borrowed. This has since been resolved but was a serious concern at the time. 

Finally, looking at my online statements I never received any communication in XXXX in the form of a statement. I would expect this to be common practice.
Complaint sub-issue: Public record information inaccurate

Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Personal information incorrect

The following addresses are not my addresses and never have been : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX These addresses are not habitable addresses as they are either USPS P.O. Box or XXXX  shipping location. The last time I checked, I can not reside at a XXXX  or USPS location. Additionally, I have contacted and verified with all my banks and lenders that these addresses were never associated with my name or accounts. Historically these incorrect addresses slow down my FBI background checks and are not places that I ever lived.
Complaint sub-issue: Account information incorrect

I had XXXX separate loans with MoneyLion. These loans were titled XXXX XXXX XXXX. I took these loans out for the purpose of rebuilding my credit after my divorce. I never even used the money. It sat in my MoneyLion savings account for the entire time of the loan to repay the loan.

I made all payments on time and after loan was paid off they continued to charge me for the loan. When I first noticed this on my account I disputed it personally through all XXXX credit bureaus. As well as a credit repair service I was paying for. After getting XXXX results that way, I contacted MoneyLion and was escalated up to a supervisor. He confirmed that all loans were paid off and that MoneyLion actually owed me money instead of the way it was reported on my credit reports. He refunded me my money and assured me they would be removed. XXXX months later it is still on my report. I have a letter from the supervisor I spoke with that day stating the correction. I will attach below.