Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

I received 3 recent overdraft fees for the same basic issue. 1 each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( One of those was refunded after a prior CFPB complaints. The 2 still need to be refunded ).

I have online banking, I use the PNC app, and I am set up to receive a daily email warning when I have a low balance.

It is common to check online banking manually, and/or receive the alert email, and see a positive - but wake up the next day to find that not only has the account become overdrawn overnight, but the cooresponding fee has already been added. Basically a charge or charges post retroactively, creating an overdraft, and a fee is added.

This creates a situation where the customer has no opportunity to correct an overdraft before it occurs, because it occurs retroactively in the past. This despite using all tools the bank provides to track balance in real time. I have described this scenario in long detail to PNC reps. They agree that this happens, but will generally not refund the fee.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear XXXX finance, I have been a loyal XXXX client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that XXXX failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why XXXX has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged for balance transfer fee that was rejected by the discover credit card company. 
The charge appears on my statement of XX/XX/2018 and the balance transfer was rejected after they find out there was a suspicious transactions with my credit card. 
I tried to contact the company several times, i was played around, being transferred by every customer service rep ever since the transaction took place. 
I was promised adjustment to the account but the issue was never resolved. 
I never used the money and the money has been credited back to my account but i was charged for a balance transfer fee of {$81.00}. I would like my money back. 
Not to mention the lack o respect and disregard for customers, XXXX representatives, being transferred around like a kid. My account has been closed and i need the money to be refunded in a form of check asap. 
Hopefully i can get help with your assistance. 
Sincerely yours, XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX  XXXX XXXX XXXX has sent an inaccurate debt to be collected by GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX Creditor opened collection XX/XX/XXXX As of today XX/XX/XXXX amount showing owed on credit report varies between {$840.00} and {$1200.00}.

I had paid my insurance co-pay of {$250.00} at the time of service for a procedure and was told no other amounts would be billed.

I have no income and have been diagnosed with XXXX  due to several sudden hardships that have occurred since XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Complaint sub-issue: Didn't receive services that were advertised

someone opened a new credit card ( XXXX ) in my name on XXXX XXXX. I think this is a result of the Equifax data breach as they acknowledged my data was included in the breach. Equifax has free credit monitoring for 12 months but their system is never available to sign-up. This is very time consuming for me to fix issues like this and I want Equifax to be responsible for such a horrendous lack of security. Every time I click on the link offering one year free credit monitoring from Equifax, I get the message that the system is not available. I have tried many times for last 3 days and always get the same message that the system is not available.
Complaint sub-issue: Public record information inaccurate

TO BOTH EQUIFAX AND XXXX I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH EQUIFAX AND XXXX SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both EQUIFAX AND XXXX XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX XXXX BANKRUPTCY - XXXX XXXX XXXX BANKRUPTCY - EQUIFAX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING EQUIFAX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Credit Bureaus has not updated my account and I have attach copy as proof of payments been paid on time and current.
Complaint sub-issue: Problem lowering your monthly payments

I am a XXXX XXXX military personnel and I am unable to stay on top of my student loans due to protecting my country. I did not know I had a student loan until my credit score reflected such information. I have tried to tell the company to lower my payments because they had it set to my mothers financial assets. I do not make that much money and they have refused to update my account after I have submitted my application of deferment. I have called for help in the service member act to remove all interest accrued while I have been in training since XXXX of 2019 and they have still added the interest from XXXX to now XXXX. While waiting for the acceptance of my application and knowledge of the amount I am to pay to remain current they have still added interest and reported negligence in paying the account. I do not know what I am to pay nor do I know who to pay. I have called on my student loan to have the account current and still its late. As a military personnel I am unable to always call as to why my I have submitted deferrement. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind. I am not attempting to get out of paying my loans but they have to be tangible to be paid on the amount I currently make as well as supporting my wife and kids.
Complaint sub-issue: Account information incorrect

In 2017, I receieved an email from the company that stated back in 2017 that my balance was reduced due to a settlement with the State of Virginia. I paid the account in full right after that. I just applied for a loan which was declined due to a charged off account.
Complaint sub-issue: Debt was result of identity theft

Discover bank closed an account I had open since 2013 and reopened it under a new account number to get out of the statue of limitations. The falsely reported the info on this new account they opened.
Complaint sub-issue: Reinserted previously deleted info

On XXXX/XXXX/2016 I discovered negative credit items had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has NOT UPDATED my credit report and credit score with them since XXXX of 2019. Their information on my report with them does not reflect any of the positive things that have transpired over the last 6 plus years, etc. and is not coinciding with the other two reporting agencies. Additionally, name/information was involved in their massive DATA Breach and they refused to right their wrong. In fact, the information and score with them is 80 to 100 points off compared to XXXX and XXXX. I have requested repeatedly ( via multiple ways ) that they update my reporting & score to reflect the things over the years to aid my score just as they've discriminated against me to reflect yester-year, antiquated and outdated information on my report. As a result of them not fairly reporting all sides and them NOT updating my report and score since XXXX 2019, my score/report with them ( Equifax ) is INCORRECT and they have Blantly refused to rectify this and update my information as the other reporting agencies have and do on a monthly/regular basis. Again, monthly/periodic updates are NOT and HAVE NOT occurred to my credit report/score with Equifax. Last update was XXXX 2019. They are/have REFUSED to rectify this problem. I need assistance with how to further address issue and these unfair and XXXX, bullies.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This complaint is against Citi ( specifically their credit card division ) and is in relation to Dispute ID XXXX ( transaction amount {$810.00} ) on credit card, ending in : XXXX. I am outraged that the Billing Disputes of the bank refused to provide assistance in this matter, thus closing my dispute and telling me in a letter dated XX/XX/2021 that since " too much time has passed since the transaction was billed to me '', they would NOT be " able to investigate '' and that I would " need to contact the merchant directly ''. First of all, I do not care how much time has passed since the transaction was billed. That is IRRELEVANT. What is relevant is WHEN I informed the bank that there was an issue with this transaction. HOW MUCH time the bank takes to investigate is a different matter. I emailed Billing Disputes at XXXX about this transaction twice in XX/XX/2021 ( XXXX and XXXX ). Then I faxed to them a form they wanted me to complete and sign on XXXX. I faxed it to : XXXX XXXX XXXX. And on XXXX, they closed the dispute. 

The issue was : I purchased online merchandise from a XXXX business. The merchandise was UNSATISFACTORY for OBJECTIVE reasons. I returned it, and the merchant issued only PARTIAL refund. The merchant and I were in disagreement over whether there was something wrong with the merchandise. I emailed them several times about this. I told them I would accept ONLY a deduction for the return shipping label I used. It's true that I voluntarily chose to use their prepaid label. I would NOT, however, accept a deduction for original shipping cost. I can not lose nearly {$80.00} on a purchase of something that I NO LONGER have. I am stunned and shocked that Citi did no speedily resolve the matter in my favor. Banks, as third parties in a dispute, generally can not determine if there is indeed something wrong with goods because they are unable to inspect them themselves. Therefore, the rule of thumb is : if the customer can prove they returned the merchandise, they can receive full refund. I proved I had returned the merchandise. Therefore, what was your Billing Department thinking/investigating?!?
Complaint sub-issue: Account status incorrect

I have a XXXX XXXX XXXX with XXXX University who decided in XX/XX/XXXX to switch their accounting to the Department of Education ( DOE ). Prior to this switch, they had XXXX  XXXX XXXX ( XXXX ) as their accounting service. They did switch and per the DOE 's website, my payment had a due date of XX/XX/XXXX. The last statement I rec 'd from XXXX was in XX/XX/XXXX, which had a due date of XX/XX/XXXX. That was paid and I even did due diligence and paid an addtl payment at the end of XX/XX/XXXX, even though I had no addtl statements from XXXX. I took a screenshot of their website on XX/XX/XXXX and it reflected their wasnt anything due and my last login prior to the XX/XX/XXXX login was XX/XX/XXXX. I received a notice from XXXX University at the beginning of XX/XX/XXXX stating they decided to not use the DOE for accounting and would continue with XXXX. I received a call from a XXXX rep on XX/XX/XXXX stating my account was 100 days past due. I still had no addtl statements or correspondence from XXXX  after the XX/XX/XXXX statement, which I explained to the rep. I also explained to her that XXXX decided to use DOE for accounting and then changed its mind. She said she understood and would have someone look into in to it. I checked XXXXXXXX XXXX website while on the phone with the rep ( XX/XX/XXXX ), and it reflected an amount due of {$58.00}, but had a due date of XX/XX/XXXX. When I went to pay it, it showed it as a past due balance, which was erroneous. I paid an amount of {$130.00} that day ( XX/XX/XXXX ), just to even one of my bank accounts. Mind you, nothing was due XXXX. On XX/XX/XXXX, I received an email from XXXX stating there were documents on my account. I checked my account portal and behold, there was a past due notice ... .again, still no statement generated from XXXX after XX/XX/XXXX and XX/XX/XXXX, their website reflected an amount due of {$170.00}, but with a due date of XXXX. Remember, there was only an erroneous past due balance on XXXX. 
I filed a complaint with the XXXX  on XX/XX/XXXX with the above details, along with screenshots of their website, etc., and received a response from XXXX stating my account would be corrected and that nothing was reported past due. 
I received a credit alert on XX/XX/XXXX regarding a delinquency on my credit file. Behold, its regarding this particular student loan and showing that it was 60 days past due as of XX/XX/XXXX. This is incorrect. Look at the screenshot dates versus the conflicting/erroneous information on XXXX 's website, as well as the screenshot from the DOE 's website with the XXXX due date.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

The account XXXX XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? Its been way over 30 days and still no results on any investigation. Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. I thought a CRA had 30 days to complete a full investigation please detail me on why the law has been violated? 

This has been an ongoing issue with no resolution. How is this account even reporting while the United States Bankruptcy Court reports to no one? If you are unable to explain how you obtained this information, please delete it. If you can not provide a letter from the court, or any form of communication showing they validated this, then please delete it.
Complaint sub-issue: Information is not mine

I am writing today because I have been a victim of identity theft. I have made many disputes and faxed in a police report to Equifax with the following item to be removed from my credit report on XXXX/XXXX/2015. They are refusing to remove these items from my credit file because they are stating that they have investigated the accounts and that in fact they are my account which they are not. I have made a complaint with the Federal Trade Commission and received a letter from them to send to the creditors. I have mailed and faxed all the creditors the letters and they have not updated my account. I am working on getting a loan and these fraudulent accounts are stopping me from getting the loan. The items that I am requesting to be removed are as follows. I am requesting the following items be removed from my credit file. 
XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Bank Account # XXXX. XXXX XXXX Bank Account # XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Item : XXXX Account # XXXX The amount {$730.00} I just looked at my credit report and was shocked to see this disgracing error you have listed. I am writing to have you delete it immediately. 

By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 

This is an Open account that is inaccurate. There was never an agreement nor can this claim be verified. This derogatory mark is holding me back from buying a home. Being that my credit is very important to me, I Am willing to meet you at a half point with a payment. Only if you can guarantee a FULL DELETION of this error on my report. I also request that you provide me an Update of my Credit Report due to your deletion of this error. Please be advised that under Section 611 ( 5 ( a of the FCRA- y
ou are required to. " promptly delete all information which can not be verified ''
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please see the attachments because they contain my complaint in full with my requests along with my ID. I XXXX XXXX am also submitting this complaint on my own and I have not been influenced to do so by anyone or third party.
Complaint sub-issue: Frequent or repeated calls

They have called Me five to six times a day. They have called my Father, Sister and Brother in Law five to six times a day. asking to speak to me or my attorney. They call me and my family during work hours.
Complaint sub-issue: Personal information incorrect

For years I've been disputing addresses, inquiries, balances, accounts, and collections with proof. The credit bureaus have ignored my certified letters, long before covid. Now its almost impossible getting them on the phone. For instance every single time I dispute nonpermissable inquiries the credit bureaus respond simply by saying the inquiries are 'factual ' ... I thought the burden of proof are on the bureaus? I also disputed the inquiries with the creditors ... they just point to the credit bureaus. Lets see what the XXXX XXXX 'XXXX  ' XXXX does ...
Complaint sub-issue: Information belongs to someone else

I have disputed an account to no avail with all three credit bureaus. They refuse to investigate and remove this fraudulent information from my credit report.