Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

my brother stole my credit card, i own a fence business and had my brother working for me, well i guess he would get my card use it then put it back and kept doing this for i dont know how long, i only get my bank statements every 3 months so when my secretary was going over them she noticed all these that she knew i wouldnt never use she ask me and i went to my bank PNC in XXXX NC so i told them what happened she told me she would dispute them well a few days later i call she tells me they deny it. I call customer service to PNC and the woman there told me she must not have wanted to do her job, was very nice and we disputed them again, along with the mugshot of my brother in XXXX XXXX XXXX  and along with a police report, my brother also stole my company truck and some tools, so again i waited a few days called back they denied it again. I know for a fact that i did not authorize or do these transactions that i have disputed and i need my money back
Complaint sub-issue: Frequent or repeated calls

Debt collector calls me XXXX after another XXXX another and call my work phone to continuously. I ca n't take personal calls at work so I pick up and hang up right away. I 'm afraid of this continues im going to get fired.
Complaint sub-issue: Received bad information about your loan

I have argued numerous times that XXXX/Sallie Mae Tuition Answer loan was discharged as part of my 2017 chapter XXXX bankruptcy ( see attached ). They have collected monthly payments since then as part of the charge off, they have been reporting my account as late each month since then to the various credit agencies even though Ive been paying their agreed upon monthly payments. As per a number of recent cases, it has been determined that in fact the Tuition Answer loans were dischargeable. 

The rulings state ( excerpt summary ) : The sole question is whether the student loans constitute an obligation to repay funds received as an educational benefit, since Navient didnt argue that the student loan fell in either the first or third categories. 

The court embarked on an analysis of stautory interpretation of the U.S. Bankruptcy Code to determine the underlying meaning of the operative words in the text. 

The term educational benefit is undefined and potentially vague. The court concluded that the terms should be interpreted in light of its listed companions, suggesting educational benefits means conditional grant payments similar to scholarships and stipends. Since scholarships and stipends generally dont have to be repaid, the plaintiff in this case isnt required to pay these private student loans. 

FURTHER, the below was mentioned : Sallie Mae XXXX XXXX loans are considered non-qualified student loans, which means they are eligible to be XXXX through a bankruptcy. These loans are above the cost of attendance to help students have money to live on while they go to school. 

If you have a Tuition Answer student loan discharged in bankruptcy, but Sallie Mae or its representatives attempt to collect on these same loans after the bankruptcy, those collection attempts could be in violation of federal bankruptcy laws. 

The Fair Debt Collection Practices Act ( FDCPA ) prevents lenders and debt collectors from trying to collect on debts that have been discharged in a bankruptcy.

If you have had a Tuition Answer Student Loan discharged in a bankruptcy, but the debtor or its representatives continue to try to collect that money from you, you could be deserving of compensation for violations of the FDCPA. 

When you file bankruptcy, you are protected by law from the borrowers of the loans that have been discharged. They can not make future attempts to collect on debts that have been discharged. Lenders and debt collectors can be held liable for willful violations of the bankruptcy discharge order if they continue to harass you to collect payment.
Complaint sub-issue: Public record information inaccurate

I have contacted XXXX XXXX XXXX numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, XXXX XXXX XXXX refuses to show the account as included in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.
Complaint sub-issue: Information belongs to someone else

Hello, I have spent the past few years trying to get Equifax to report accurate information on my behalf. They are still reporting fraudulent accounts and accounts that were paid and should be reporting as paid/closed when they are showing as opened. I have contacted them by phone, but I always get someone whose first language is not English and they appear to not understand me and I have difficulty understanding them. I have also asked to speak with a supervisor and I never get a call back. 

I have XXXX accounts on my credit from XXXX XXXX XXXX Account Numbers XXXX and XXXX. The accounts are fraudulent. I contacted XXXX directly and they closed and removed the accounts. However, Equifax still reports them on my credit. The accounts state they were OPENED in XX/XX/2018 and CLOSED in XXXX XXXX they are positive accounts but again they were opened in my name due to false impersonation. I advised the representative XXXX at XXXX that the accounts still appear on my Equifax- he advised me to dispute the accounts with Equifax because they already submitted for them to be removed. According to them the accounts have not been disputed by Equifax but they are telling me they have been disputed and verified. 

They are also reporting XXXX XXXX XXXX XXXX it is a positive account but it does not belong to me and it should not be on my credit if I did not apply for the account. 

XXXX XXXX This account was also opened as a result of false impersonation. The account states it was OPENED on XXXX and CLOSED XXXX. Again- I contacted the merchant about the account and it was closed on their end but Equifax has yet to remove it. 

XXXX XXXX XXXX for whatever reason Equifax is reporting the same account on my credit 2 times. I have no knowledge of the XXXX accounts or the payment status. 

Bank XXXX XXXX XXXX I never had an account with the Bank XXXX XXXX XXXX XXXX account XXXX I have medial insurance and this account is reporting on my Equifax report- XXXX doesn't even state who the collection agency is or where it was originated from. Fraudulent account XXXXXXXX XXXX XXXX XXXX  XXXX Account was opened in my name as a result of false impersonation XXXX XXXX XXXX Account opened in my name as a result of false impersonation XXXX XXXX Account opened in my name as a result of false impersonation. 

Be advised the accounts referenced in this complaint are included in my police report that has been sent to Equifax several times and they are also included on my Identity Theft Report that was filed with the FTC.
Complaint sub-issue: Billing problem

I contacted PNC Bank numerous times over XXXX XXXX to have my mailing address changed since I have moved and no longer receive loan statements from them. For the last XXXXXXXX XXXX, I have called and spoken to their XXXX XXXX XXXX and they indicate that they have my correct mailing address ; they have no idea why I'm not receiving loan statements, and they have never experienced this problem. I know the statements are being mailed to my old address because the residents there have notified me that they still receive my loan statements. I request that PNC Bank change my mailing address and send me loan statements.
Complaint sub-issue: Public record

Creditor ( XXXX XXXX ) was disputed two weeks and dispute was completed and report updated as of XXXX/XXXX/16. I was also advised by equifax management on XXXX/XXXX/16 that this information would be show in the correct status, and on XXXX/XXXX/2016 the information was not corrected to show included in chXXXX bk status and listed with other closed accounts on my credit. 

I have attached the now credit report showing this matter in dispute, as this should not be in dispute, the dispute was completed on XXXX/XXXX/16, and then placed back in the same status of ''collection unpaid ''. I have also attached the new credit report status, and the phone conversation between myself and an equifax 's credit management assuring me that this information had been entered correctly along with other applicable debtors that were placed back into an incorrect status. The other attachment is my XXXX showing XXXX XXXX as a creditor that was discharged in the chXXXX bk as of XXXX/XXXX/16 ( discharge order attached )
Complaint sub-issue: Public record

The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.
Complaint sub-issue: Card opened as result of identity theft or fraud

At XXXX CA time on XX/XX/2018 I got a call from a US Bank rep asking me if I had submitted a credit card application with address=XXXX XXXX XXXX , XXXX XXXX , CA XXXX. I told her no and that I had not lived at that address for over 35 years! She also said the phone number listed on the application was a different phone number than the one she was calling me at. She then said the credit card application was denied and a fraud investigation would begin. It didn't! At XXXX on XX/XX/2018 I called US Bank fraud dept at XXXX and the rep took my correct mailing address, phone number and email address and said an investigator would call me. No one did! 
To my surprise and horror, I received an alert on XX/XX/2018 from XXXX XXXX XXXX credit monitoring stating that a credit card application was approved by US bank and that {$250.00} had been charged on that account which was being " investigated. '' HOW COULD THAT HAVE HAPPENED? 
Doesn't the bank have to verify the credit card applicant 's correct mailing address and phone number before approving the card application? Both address and phone on the application were wrong, yet it was approved! 
Doesn't the bank issuing the card need some other form of ID like a CA Driver 's license number and expiration date? A bank or credit card held by the applicant? 
-- >NONE OF THE ABOVE WERE PROVIDED. 
Also, three Fraud US Bank reps I spoke to promised to relay the information I provided to XXXX the investigator, but she told me today on the phone that no one had provided her any information on this case. Finally, when you call the number to report fraud on US Bank website [ https : //www.usbank.com/XXXX  ] which is XXXX, and after a long hold, a rep has to transfer you to another number/department and you are then put on hold for over 1 hour! They not only don't list the correct number but they are so short of legitimate Fraud reps that the victim can't get through on the phone! US Bank should be penalized for the above negligence and irresponsible conduct!
Complaint sub-issue: Reporting company used your report improperly

Equifax is breaking Federal Laws by furnishing late payments on my credit report.
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 information was still 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 is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXXXXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I submitted a dispute for services not rendered as described ( false advertising ). Another credit card company investigated the same claim in my favor, and even though I did receive services, they were subpar. I provided emails, text messages, and photos supporting my claim. I also submitted complaints to the FTC, the attorney general ( due to the false advertising/fraud ), and the XXXX. Citi bank wrongfully found in favor of my merchant and will not allow me to appeal. I have worked tirelessly to solve this with the merchant, to no avail.
Complaint sub-issue: Public record information inaccurate

I have found wrong information reported on my report : " CALIFORNIA FED COURT-  XXXX   XXXX   XXXX   XXXX   XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update
Complaint sub-issue: Investigation took more than 30 days

I been witting to equifax, to fix issues with in my credit, they just don't bother to respond, i have mail already 4 letters with a copy f my driver license and social security card and they don't respond or refuse remove the errors Personal information..I never ever lived in any of this places XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Personal statement ( I NEVER REQUESTED THIS ) Statements Personal Statement ( s ) FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE Inquires Not Done by me, no authorization either verbal or written XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX National Credit Card Cos.
Complaint sub-issue: Problem getting your free annual credit report

equifax would not let me get my annual free credit report online nor woul ; d they let me view it
Complaint sub-issue: Account information incorrect

There is an auto loan showing. I dont have any auto loans at this time. I bought the XXXX XXXX with cash and I have the title. It states US Bank # XXXX. Auto loans or leases Total balance : {$15000.00} US BANK Balance {$15000.00} Balance updated XX/XX/XXXX. US BANK XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX I would greatly appreciate any help you can give to get this removed from my credit report. Thank you, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 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. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Trouble with how payments are being handled

In XXXX, I was notified that I no longer qualified for a rate reduction that had been applied to my student loan since XXXX. I inquired to the loan servicer, XXXX, and originally restored the rate. Then the rate was reduced again and they said the loan originator verified that the rate reduction was for on-time payments and I did not qualify. I checked my credit report and there are no late payments reported. The loan servicer said I had to follow-up directly with the loan originator, who could be reached by email or phone. I spoke to XXXX from Loan to Learn on XX/XX/XXXX. I requested payment history, which was emailed to me. 
There are two spreadsheets that were emailed to me Friday XX/XX/XXXX. The first spreadsheet was when Loan to Learn, the loan Originator was also servicing the loan. The second spreadsheet was after the loan began being serviced by XXXX XXXX. 
This opened my eyes to a larger potential problem that has not been answered since that point in time. 

For the period of time, XXXX payments totalling {$14000.00} were apparently not applied to principal nor interest. The balance remained at {$42000.00} from XX/XX/XXXX ( the date of disbursement ) until XX/XX/XXXX. 

I have requested, in writing and by phone, an explanation from Loan to Learn and XXXX. 

My last verbal conversation with XXXX with XXXX XX/XX/XXXX, he suggested I seek legal counsel. 

A complete audit should be done by a certified accountant from disbursement, interest, fees and payments.
Complaint sub-issue: You never received your bill or did not know a payment was due

Sears credit card ( CITI ) Over the last year I have used this card more often. The problem I was having is my bill arrives 4-5 days before it is due. If the bill was mailed out at the beginning of the month and it took 15-20 days to arrive. How am I going to get it to them on time? Its always late and fees and interest are always tacked on. I have requested on many occasions that the charges be removed and that my bill be sent out sooner. It is virtually an impossibility to achieve the deadline. I get the feeling that this is fraudulent or at best a shady scam to charge fees and interest. There is no consideration for the consumer here I feel. 
Now lets look at the US Mail service. After Covid things have changed. I have sent mail 20 miles away and it has not been received for 7 plus days. So how is my bill going to get here in a timely manor from 5 states away? For those of us who use this system can we get a little understanding? It has always been reliable and secure but I see its days are numbered. For the consumer and the Vendor. 
I am not the first or will I be the last to see where this is going. If you wish to retain customers find a solution to this problem besides greed and rigid policy. 
For those of us who have witnessed the damage of personal identity theft. Technology is not the best answer and I would like to protect myself and my family from this possibility. 
Thanks for your time and consideration on this matter
Complaint sub-issue: Information belongs to someone else

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDCO Inquiry :XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Complaint sub-issue: Problem with paying off the loan

My vehicle was totaled on XX/XX/2019. Accordingly, there was an insurance payment made by XXXX XXXX to payoff the loan on XX/XX/2019. The lender, PNC Bank, received the payment on XX/XX/2019, but failed to process the check.

On XX/XX/2019, PNC claimed the check was mailed to the wrong address. I notified XXXX XXXX and they cancelled the check and reissued another. XXXX XXXX called to confirm the address and it was the same address the first check was sent to.

The second check arrived XX/XX/2019, but PNC is not processing the payment.

They refuse to provide information on the delays. As of today, XX/XX/2019, they have been in possession of funds for a total of 33 days and stating it could be at least another 10 days before they know anything.

I believe they are either incompetent, or worse, approaching insolvency. Their staff can not provide information, stating " it's a different department '' when I attempt to discuss. Other members simply fail to return calls altogether. I have communicated with : XXXX XXXX - XXXX   XXXX ( XXXX ) - XXXX XXXX XXXX - XXXX And XXXX XXXX XXXX ( Supervisor ) refused to speak with me.

This failure to process my payoff is abusive and has cost me additional monies. In addition to Per Diem fees accruing daily, my insurance carrier terminated my rental coverage when payment was received at PNC. The rental termination cost me {$440.00} in non-covered rental fees.

Additionally, I am still without transportation, and will be until this loan is paid off, which is creating a hardship on me and my family.
Complaint sub-issue: Funds not handled or disbursed as instructed

Citi bank had sent me a notice via email on XX/XX/XXXX stating in 10 business days they would refund the unauthorized transactions. As of today when. I spoke to their fraud dept they told me they could no longer tell me when I woukd get the refund and they apologized for not honoring the XX/XX/XXXX notice but could not tell me any time references when this would happen. This has been ongoing issue since. XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these items right away! 
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
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not updated my credit file since XX/XX/2021. When I questioned this, they advised I had a block on my file, what block they would not disclose. I have written proof on XX/XX/XXXX of this year they had me submit a form to remove the block in 24 hours. Yet my file has not been updated.
Complaint sub-issue: Didn't receive enough information to verify debt

I was made aware of a collection on my report when I was applying for a loan. The collection Enhanced Recovery is reporting I quickly went ahead to request a validation from them and they sent me copies of the statements ( which I attached ). Statements don't show me how they came to the amount on the collection. This also in no way shows that this debt is valid and is even mine.
Complaint sub-issue: Debt was result of identity theft

I received a letter that is identified as XXXX XXXX XXXX. The letter is dated XX/XX/XXXX. The letter purports that I owe XXXX XXXX XXXX  {$8500.00} related to the time period of XX/XX/XXXX to XX/XX/XXXX. The account from XXXX XXXX XXXX is identified as two different account numbers. The letter does not provide an email address for me to respond to. The letter does not identify how or where the charges accrued. The letter demands that I send personal information, including a copy of my drivers license and my social security number, by the end of XXXX or my account will be sent to collections. This looks a savvy scheme to collect identity information and financial information on a person.