Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2022, I opened a business checking account in US Bank online with a promo which gives me {$300.00} within 45 days after satisfying three requirements in 90 days. I have completed the three requirements and after 90 days, I called the US Bank and asked my bonus status. They said they confirmed that I satisfied the requirements, and if the bonus is not deposited until XXXX, I call them again. And after XXXX, I called them again and they said they dont know why the bonus was not given yet, so they submitted my case to their research department. Two days later, the research department left voice message : The business checking bonus is for one business checking account per one business, but I received the bonus before, so my promo has been denied. I swear this is my very first business checking in the US Bank and in fact, XXXX setup my business in XX/XX/2022. I called them and talked to the CS rep but he doesnt know why and I was disconnected. Today, I had a call appointment with a local US Bank rep, but I havent received any call until 20 minutes later than the appointment time.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX  card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.
Complaint sub-issue: Was not notified of investigation status or results

I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.
Complaint sub-issue: Information belongs to someone else

Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the XXXX credit bureaus : XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Can't close your account

I paid off US Bank Polaris Visa in XX/XX/XXXX, I was told at the time that I had earned enough points on this card to get a {$120.00} rebate. The operator suggested that the card remain open in order to redeem the points. I did so. I waited a couple of weeks and no check was sent in mail. I called US Bank and asked again about status of redemption and was told again to keep card open for 6 months in order to get the {$120.00}. In XX/XX/XXXX they sent a letter referencing a gift certificate. In XX/XX/XXXX, I got a letter saying that the account was was past due. 
Today, I was on the phone for an hour with customer service which tells me the card was used in XX/XX/XXXX with a charge of {$5.00} ( a gift certificate? ). And there is now an past amount due of {$26.00}. This card has not been used by me. I asked that they close out the account now and was sent to 4 different people with lots on hold time.  Eventually, they transferred me to a survey asking how well they served me, and was then disconnected. I called back and spoke again to the collections section, saying to cancel this account. XXXX who has no telephone extension tells me the account will be cancelled in 24-48 hours, but gave me not confirmation #. I do not believe her and think US Bank Polaris Visa is a shady operation that will spin the fake {$5.00} into more and more money and mess with my credit rating in the process. Please Help
Complaint sub-issue: Information belongs to someone else

Incorrect names are reporting on my credit file. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My full date of birth is not reporting XXXX Incorrect addresses are reporting on credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Complaint sub-issue: Unable to open an account

Banks wont approve my applications and not giving an explanation of why being the fact i filed for stolen identity
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Trouble with how payments are being handled

Starting in XX/XX/2019, I was so far ahead in my monthly payments that I was allowed to stop making payments for a few months. I received a summary of my accounts with this information monthly, with the date of when payments would need to start again. 
So in XXXX and XX/XX/2019, I stopped automatic deduction from my checking account. Each month, I paid a large chunk of money on one specific loan in an effort to pay it off. I successfully paid in full one loan in XXXX, and received a " Paid In Full '' letter in the mail a few days later. My plan was to, each month, make a payment for one specific loan to pay it off, and by the time my paid ahead staus was finished, I should have 3 loans paid off. 
However, on XX/XX/2019, I received correspondence that my loan terms changed, and suddenly I was mandated to make payments again starting this month. When I called for further clarification on XX/XX/2019, the customer service representative informed me that my paid ahead status was canceled PER MY REQUEST. I assured her that I had not made that request ; in fact, I had not spoken to anyone at fedloan in months. The representative shared with me that the important information that should have been documented in my account, such as the identification number of the representative who made such change, was missing. This is alarming to me, that someone at fedloan made changes to my account WITHOUT MY CONSENT. This is the reason for my complaint. 
The representative did submit a request to reinstate my paid ahead status ; however, this will take time to process. In the interim, I have to make the mandated payments for XXXX, and possibly XXXX, and my plan to have 3 loans completely paid off by spring is no more. I am angrier, however, that someone at fedloan made changes to my account WITHOUT MY CONSENT.
Complaint sub-issue: Other problem getting your report or credit score

When I or any other lender try to access my equifax credit report the message they receive is that report blocked for promotional purposes. I can not access my current report because of this. I have contacted equifax on several occasions and they informed me that that block has been lifted and to wait 24 hours. I wait 48 hours and try to access my own report again and still still this block language. I requested to lift this language. Despite repeated attempts this language still remains on my credit report and I am trying to refinance my mortgage and I can't even access my own report because of it. I want that language deleted so I can access credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are closed, but not deleted. Recently I did anon my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that those accounts were property investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. RESOLUTION As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute. In conclusion the I did give consent to any of the parties involved.

ref : 16 CFR 313.4- initial privacy notice to consumer required.

16 CFR 313.8- Revised Privacy Notices 16 CFR 313.10- Limits on disclosure of non-public personal information to nonaffiliated third parties.

15 USC 6821- Privacy protection for customer information of financial institutions.
Complaint sub-issue: Attempted to collect wrong amount

After reviewing my credit report I sent debt validation letter to this company ( Hunter Warfield ) they in turned sent me a bill for charges that should not be included in any statement balances claimed to be owed. The apartment received First and last month and all bills were paid until move out date. Notice was given and keys returned to XXXX upon move out. When asked for more details on how these charges were incurred I received no response. Ive sent out a second set of letter and have tried to have this deleted from my credit file and the company keeps saying verified but that is not true.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$570.00} XXXX XXXX {$4100.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$85000.00} XXXX/XXXX  XXXX {$800.00}
Complaint sub-issue: Company closed your account

On XX/XX/22 an unauthorized XXXX was deposited to my account from someone I know, I contacted the other person to let them know and to confirm if it was made by them or not because " someone from XXXX XXXX '' was calling to confirm I received it. They reported it to XXXX XXXX afterwards and I checked my Citibank account daily to make sure the money was withdrawn but instead both my checking and savings accounts were blocked on XX/XX/22. When I spoke to a customer service representative on XXXX/XXXX/22 due to them being closed for the holidays, they told me my accounts were in the process of getting closed and that my funds would be mailed to me within 30-60 days and that they could not provide further information. I called several times and asked to speak to a supervisor because I need money to pay rent, bills, and food for my daughter and myself but had no luck and was told one would call me. I tried calling again and twice the customer service reps hung up on me saying " your accounts have been closed and we can no longer service your accounts. '' I finally spoke to someone the last time I called and was told that as of XXXX/XXXX/22 my account was closed and that I wouldn't receive my funds until 30-60 days from that date and that they were not authorized to provide any information but that I would get a letter stating why.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A states that 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 an account without my written instructions.
Complaint sub-issue: Received bad information about your loan

I submitted an employment contribution form showing I work at a qualifying employer. My form shows I started employment on XX/XX/2021 and it continues to present. Fedloan Servicing decided to rob me of credit for XX/XX/2021 and XX/XX/2021 and list my start date as XX/XX/2021. When I called them last time it took two and a half hours to reach someone and they did not resolve my issue. I would like Fedloan Servicing to do their job of properly counting my payments. It is worth noting they still have not given me credit for XXXX, but this is a new complaint about how I am being robbed of credit for other payment periods.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {XXXX  Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXX Balance XXXX Opened XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Debt is not yours

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Complaint sub-issue: Overcharged for something you did purchase with the card

On XX/XX/2022 I used my XXXX XXXX card at XXXX & XXXX 's XXXX in XXXX, WA. The merchant processed this transaction using equipment provided by Square Inc. XXXX XXXX XXXX XXXX XXXX XXXX a 3 % service charge on all transactions. The merchant does not disclose this fee before charging the customer. There is no written notice anywhere in the business and no verbal notice. The only notice of the service charge is on the receipt after the transaction is finalized.
Complaint sub-issue: Problem using a debit or ATM card

I am writing this email to file a formal complaint. On XX/XX/XXXX, I went to an ATM to withdraw {$400.00} out of my account like I did days prior. I discovered that I didn't have enough money. When I checked my app I discovered that a total of {$6100.00} was transferred to XXXX XXXX to his personal account. I do not know anyone by the name of XXXX XXXX. As soon as I got home, I called to file a complaint. A dispute claim was started on XX/XX/XXXX and I was sent a new card. I was also told that I will be sent documents to fill out and that I was to return the forms within XXXX business days. I received the documents XX/XX/XXXX, I filled them out and sent them back by certified mail on XX/XX/XXXX. Documents were also sent via fax just in case somehow they got lost in transit. According to the documents, investigations could last between 60 to 90 days. On the same day XX/XX/XXXX, I got home from the post office from sending the forms and I discovered a letter from the dispute team stating that the dispute claim was denied on XX/XX/XXXX. How can a dispute claim be denied within XXXX hours when I never even got the paperwork to be filled at that time. The forms are probably still sitting at the post office and the faxed forms are probably sitting in their fax machine. I called the number on the letter and it kept hanging up on me saying that the card number was incorrect. I called the number on the back of the card and was nicely greeted by a customer service representative, XXXX, who stated that according to the notes it was denied because " the money was sent to the person it was intended to, XXXX XXXX ''. My name is XXXX XXXX XXXX. My name and XXXX XXXX are not even similar names. If that money was intended for XXXX XXXX where is the money I'm entitled to due to my XXXX leave. I just XXXX XXXX and my child and I are depending on that money. How insecure or secure is this bank? Why would they allow anyone to log into someone else 's account and steal the money? How can they determine and close a case without further investigation or even questioning who XXXX XXXX is? Was his bank contacted? There are many questions that need to be answered. I need my money back. This situation is added stress that I do not need after giving birth. This stress is being transferred to my child and I can't even focused on taking care of her. Contact me at XXXX.
Complaint sub-issue: Trouble getting, activating, or registering a card

I am a US citizen in XXXX. 
I have made multiple failed attempts over the course of years to change my mailing address for the Comerica Bank Direct Express program. Now my card is expired so I am unable to get a new one unless I can change my mailing address. In about half a dozen attempts to call from XXXX, using the numbers on the back of the card, I have never reached a human being. In an earlier attempt, I was able to reach the automated phone system but was unable to type the information requested fast enough to avoid timing out. In the latest attempt, I got a " number not in service '' message for the international number on the back of the card. I sent a postal express mail letter with my identifying documents, to their address over a month ago, but have received no response. 

How are people who have difficulty with phones ( like me ), or have calling plans that don't allow for international calls ( like me ) supposed to manage their Direct Express accounts with no other means of contact? If phones are the only allowed means of contact, there should be human operators who answer every call right away. Making contact so difficult smacks of deliberate intent to hold the money. 

Over two years ago there was a failed ATM transaction that was deducted from My account. I have been unable to report it to initiate a resolution. 


P.S. I wonder what became of the letter I sent containing the copies of identifying documents ; was it just thrown in the trash leaving the documents for any trash collector to find?
Complaint sub-issue: Problem with customer service

AES/PHEAA continues to send the same correspondence OVER AND OVER again when a loan goes past due. I believe this is starting to infringe on my consumer rights, as I believe they are over-sending correspondence in an attempt to harass or annoy me. Ironically, AES/PHEAA agents have claimed in the past through this portal that I submit too many CFPB complaints. That is quite interesting given how I have informed them that they are sending too many pieces of correspondence that articulate the same statements about the account being past due. I have seen pieces of mail come in multiple times in the same week. I have even had to SPAM their electronic delivery because in some cases I felt that I was receiving too many emails. AES/PHEAA claims I agreed to this amount of correspondence in the Promissory Documents that were signed in obtaining Student Loans. The individuals who made that statement are making stupid assumptions. Nowhere in any Document that was signed does it go into detail claiming that AES/PHEAA is allowed to send the amount of correspondence they send ( especially if they are doing this on purpose and sending the SAME CORRESPONDENCE repeatedly within days of receiving other pieces ). They can send 1 piece of correspondence alerting the Cosigner and borrower of the account being past due. Once they start to send the same thing again within days, it starts to become harassment. Unfortunately, their excuses they provide are not going to work. They also fail to consolidate the correspondence for multiple loans. I don't believe I agreed to multiple pieces of past due correspondence at the time I consolidated with this agency.