Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I lost my job with XXXX  and called them they dont care they are ruining hurting my credit score by reporting me delinquent for so many days but wont accept a settlement or offer me one to satisfy this debt with them I cant afford to pay them the full balance when Im not working all they offer is payment plan but I want a settlement to get rid of them {$500.00} but they wont settle with me so how am I supposed to work with them and how much longer for them to offer me a settlement in this amount they have to take a loss
Complaint sub-issue: Old information reappears or never goes away

Equifax has a Charged of Account appered as New. It is over 5 years old. First I signed to Equifax for the first time but I was  denied to access and to see my Credit Report. The Screen came back to call 800 #. I called Equifax told them the issue that I would like to dispute. The Equifax person want to Verify me, I gave him Full name, DOB, SS, Address and he told me he can only help me that I have to send Equifax with Photo ID like driver license or passports. Why do I have to furnish all this, after I gave the Important Info. 
I am XXXX  XXXX  for STATE of XXXX- XXXX ( XXXX ) I know my job how to Verify Someone. 
Now, I believe my information was compromised when Equifax had DATA HACKED. Probably I May be one of them, I have never was notified me that my personal info was COMPROMISED. 

1. I want Equifax to remove those collection Account from XXXX XXXX. 
2. I would like Equifax to FREEZE selling my name or to be used promtional. 
3. I want a letter from Equifax that my personal DATA Status.
Complaint sub-issue: Information belongs to someone else

I am trying to secure a home loan at XXXX XXXX XXXX in XXXX NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted 5 of the 5 accounts which are fraudulant accounts to have them closed or to inform 2 of the accounts that have balances, that they were not opened by myself. One of the organizations XXXX XXXX acknowledged the fraud activity when none of the information provided matched their information. The other organization XXXX XXXX XXXX has been highly uncoorperative. They have been contacted over 6 times since X/X/17 when the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on X/X/17, two more times with dates I did not document.On X/XX/17 I spoke to the floor supervisor XXXX who opened a case report and informed me that someone would contact me to further the case. No one called. OnXX/XX/XXXXI  spoke to XXXX who opened a case, took down my information and told me someone will call me. Noone called. On X/XX/17 I spoke to XXXX and XXXX who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a 30, 60 day late charge and reported to XXXX, XXXX, XXXX lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed XXXX to help in the battle. XXXX XXXX will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are XXXX XXXX XXXX and credit card division XXXX XXXX XXXX.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

To Whomever This May Concern : My name is XXXX XXXX and I have had my card with Discover for the last 7 months. I have never had a late payment at all. I have tried to manage that card responsibly. It was a secured card until last week. Last week, I received an email stating that my security deposit of XXXX was being returned to me, but my credit line will remain the same. At that time I applied for a credit limit increase and it was denied. I wanted to make sure that I had extra credit with all that is going on with Covid-19, just to have extra security. Thankfully our jobs haven't been impacted. I just received a letter email stating that there is insufficient experience with current discover card credit limit. I called the operations team to find out what they meant by that and the lady that I spoke with was very vague and was unwilling to help. The last thing that I wanted to do was submit a complaint, but no one is giving me more or any additional information on this issue.
Complaint sub-issue: Deposits and withdrawals

My name is XXXX XXXX and I have a checking account with Citi bank they have a freeze on my account and will not let me access my funds because they said there is suspicious activity. They said they can't verify my phone number and it isn't under my name. I have given them XXXX phone number that is mine and only in my name and another which I have used for more than 10 years which is under my sister 's. She called and had my number caller id to show my name with her provider. They also said they would send me a letter via the USPS to verify my identity I would receive it in XXXX business days. That was on XX/XX/2021. I called last week as I had not received the letter they stated they mailed out another letter. I called today XX/XX/XXXX and was told that the letter was not sent to the address I opened my account with but to the address provided to them by the company that they use to verify identies. I have offered to send them a copy of my driver 's license, social Security card, birth certificate, voter registration card, they can call social security where my deposit comes from. They can call the wireless provider where I have my phone account through as well as call another bank that I have a checking account through. They said the only way they can verify my account is to wait for the letter in the USPS which is not coming to my current address. I have lost my storage as well as not being able to get my XXXX medicine due to this. I don't know where to go from here.
Complaint sub-issue: Fee problem

Hi my husband and I called PNC Banks direct banking center on XX/XX/XXXX to order checks and spoke with XXXX. She said there would be no charge for my checks and she would change my account so there would be no charges for checks on any of my accounts and there would be no fees. 

On XX/XX/XXXX I received 2 notices from PNC Bank saying my account had been converted and there was a fee schedule attached. 

On XX/XX/XXXX My husband and I called PNC Bank and spoke to XXXX the supervisor for an hour and half. We were told we were being charged for checks it does not matter how much money you have. She refused to put my accounts back to what they were prior and insisted if I did not keep certain balances in each account I would be charged. I told her there were months that I did not keep that balance level and was not charged. She did not believe me and I asked her to look at old statement and she refused. I had to get my statements form the basement to prove to her I had Performance Select Accounts. She refused to provide free checks on all my accounts. 

On XX/XX/XXXX I was so frustrated I said I was going to use XXXX to get help and then she refused to help me at all as retailation. 

On XX/XX/XXXX I was looking at the fee schedule and saw that I qualify for Performance Select Accounts which requires {$5000.00} of deposit in checking ( I have {$49000.00} ) or {$25000.00} of checking and brokerage investment ( I have {$150000.00} ) These balance allows for 8 free  accounts and free checks on all my accounts. 

XX/XX/XXXX I spoke to XXXX at the executive escalation and she confirmed that I had enough money to receive free services. XXXX would not explain why I was lied to and kept on the phone. She said she had to listen to the call. She said she would listen to the call and give a me a call back today and she did not. She also referred to the fact that I complained once before a customer service representative tried to charge me for an new bank card which should be free too. 

I think customers should be give fair and honest information and not retaliated and discriminated against if they complain that are not getting the services they are entitled to. I am not sure but XXXX was a manager and should have been able to review my accounts and offer the correct product and honor the free services. She did the contrary and refused to provide the free checks I was entitled to. 

It seemed to deliberate and retaliatory.
Complaint sub-issue: Information is not mine

I am a victim of identity theft. Someone stole and used my personal information to apply and opened up the following unauthorized and fraudulent accounts : XXXX and XXXX. I been receiving harassing and threatening telephone calls, including death threats from representatives from XXXX and XXXX in regards to unauthorized and fraudulent accounts and debts that do n't belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named collection agency, should this item not be deleted within the 15 day period allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 


15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$920.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I canceled my Citi Bank Credit Card ending in number XXXX a few weeks prior to XX/XX/XXXX and was reassured this card was deactivated and I received the replacement card 2 weeks prior to XXXX XXXX transaction in the amount of {$1400.00} being authorized for payment by the corporation. The Citi Bank Representative asked prior to the cancelation of the card number ending in XXXX if the charge of {$74.00} from XXXX was legitimate, and I agreed to the {$74.00} which was the only pending transaction at the time. Furthermore, I had already received my new card ending in XXXX two weeks prior to the transaction posting, and to my surprise the transaction of {$1400.00} was approved! I feel as though someone at the bank failed to cancel the card ending in XXXX. The only authorized transaction that I agreed to, that was legitimate was {$74.00}. My authorized user XXXX XXXX was aware of the card being canceled, and he reassured me he paid XXXX the bill in cash. He stated that the cash receipt was misplaced and was not expecting XXXX to put the transaction through. The only amount that I thought, and agreed to being transferred over to my new card number ending in XXXX was {$74.00}, and not XXXX. Furthermore, that total quite obviously exceeds my credit limit so I would never have authorize it. Lastly, this is the reason that I do not have a receipt at hand. 
P.S. this over the limit credit charge has affected my credit score, so please have the derogatory remark removed immediately. 
Thank you, XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I have copied below previous complaints submitted. XXXX XXXX from PNC Bank requested that I provide a note from my mother 's doctor stating she was incapable of handling her affairs. I have complied with PNC Bank 's request and provided a note from my mother 's doctor, XXXX XXXX. I also provided several pages of medical records and notes from XXXX ( XXXX ) and XXXX XXXX XXXX ( the 24/7 home care ) indicating my mother was incompetent and unable to communicate. Obviously, my mother could not drive, therefore, the only person who could have taken my mother to the bank ( the day after I left North Carolina ) was my brother, XXXX XXXX. 
This was on XX/XX/XXXX. My mother 's account was set up as payable upon death ( POD ) in my name, XXXX XXXX XXXX, XXXX. Therefore, my brother took her to the bank on XX/XX/XXXX, the day after I returned to Nevada, per the cancelled check and had PNC close the account. My mother could not communicate, therefore, my brother would have been the only one to 'talk ' to a bank representative as she was unable to speak, write, read, etc. He had no authorization. How he could convince PNC to close my mom 's account is beyond comprehension. There are elder abuse laws regarding financial exploitation and PNC should have been suspicious being that my mom could not communicate to them. They should have called authorities immediately. That did not happen. PNC issued a Cashier 's Check in excess of {$17000.00} and there is no record of where that money went. We do know it didn't go into any of my mother 's accounts. As I was the beneficiary on this account it should have been paid to me upon my mother 's death on XX/XX/XXXX. PNC Bank needs to reimburse me for their error and they can go after my brother for his wrong doing if they choose. All the back-up information has been previously sent in the following complaints : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I complied with PNC Bank 's demands and have lived up to my responsibility in this matter. It is time they do the same.
Complaint sub-issue: Funds not received from closed account

In XX/XX/2022 I opened a checking account with US Bank. I deposited {$4000.00} when I opened the account. I never had a bounced deposit, bounced check or overdraft. 

Approximately mid XX/XX/2022 I was locked out of the online access. That begin a period of repeated calling the customer service phone line, local branches and multiple in person visits to find out why I could not access my account of over {$4000.00} funds still remaining. By early XXXX, I was told my account had been " flagged for fraud '' because I had deposited a monthly check in another state, that my account had been closed and I should receive a check for the balance within a week. That never happened. 

The most disturbing part of this is that US Bank has never once contacted me - no email, no letters or phone calls. I was not allowed to contact the " fraud department ' either - only 'customer fraud XXXX department XXXX who continually said they had no information on my account status. I have been endlessly calling only to be given misleading or flat out incorrect information. I was told repeatedly a balance check had been mailed out in XXXX. I never received the check so they said they would put a 'trace ' on it. This was a lie, no check had ever been mailed out which was finally confirmed this week by a local branch employee. 

How is it legal that a bank can lock your account and not be required to notify the account holder as to why or how to remedy the situation? Are they not required to notify account holders of fraud claims or other problems with the account? Is there so little oversight of banking practices they can freeze funds indefinitely without any due process?
Complaint sub-issue: Account status

This is, I believe, the third CFPB complaint I have submitted against this company for the exact same reasons. You have done nothing to help rectify this problem. Equifax has done everything wrong to try and fix this problem, which is a violation under the FCRA. Both XXXX and XXXX seem to have no problem reporting my credit information accurately and timely. Equifax is the only CRA that is not only falling down on the job, but is basically illegally not furnishing accurate credit information. My XXXX XXXX store card has not updated since XXXX/XXXX/15 now and actually that card is now closed as I was upgraded to their XXXX XXXX XXXX which is also not reporting. Back around the XXXX or XXXX complaint with the XXXX both my XXXX XXXX and XXXX store cards were not being updated, they XXXX were reporting a balance when they were XXXX XXXX, and the only way I could find to get them to update was to dispute the trade line. Out of frustration I called Equifax ( for the 10th time ) to try and resolve this. The CSR I talked to said there was nothing they could do but dispute the tradelines. Angrily I accepted and he submitted the dispute, and to my horror XXXX tradelines were removed from my credit report. Two years ' worth of positive payment history gone. I have tried very hard to build positive credit and this is unacceptable in all accounts. I am just getting around to sending this complaint due to the holidays, but I will be applying for my first mortgage in the next few months, and if this is not resolved by then, I will have to sue Equifax as this is greatly affecting my life. I have spent countless hours on the phone, e-mail, etc. trying to resolve this, and if this affects my mortgage process in anyway, if I get a higher rate because of this, I will be enlisting my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am sure they can rectify this in the courts.
Complaint sub-issue: Old information reappears or never goes away

My XXXX and Equifax hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on Equifax and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

I called Equifax today XX/XX/19 at XXXXpt to dispute something on my credit report because they still haven't fixed there mobile site after 12 months of it being broken .I was on the Equifax website and called there customer care and was greeted by a nice XXXX man named " XXXX '' who I gave all my personal info to including my SSN only to be told I didn't pass there security screenings and that I had to go to the BROKEN web page to file a dispute he also gave me another website www.investigate.equifax.com when I asked if he was Equifax he got very shady and tried to give me the run around so now I don't know who I just gave my personal info to neither does the company I called and I want my identity protected from this credit agency shady practices