Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

At the end of XXXX, I discovered that my Bank of the West checking account had been hacked and {$600.00} was stolen from my account. I immediately called the bank and was told that my debit card would be canceled and I would not have access to my funds ( unless I banked in person ) for 10 business days. I could not get a temporary card from my local branch and absolutely no other options were made available to me. Many merchants only accept payment via card ( including the parking machine at my job ) thus that single bank policy made it extremely difficult for me to engage in basic 21st century transactions. But with no options available, I had to simply accept this policy. 

Next, I asked the bank to reverse the stolen funds. They refused. Their policy was to mail me an affidavit they would not accept my declaration by phone. One week later, I still had not received the affidavit. When I called back, the Banks best offer was that I could go down to their branch ( at times that conflicted with my work schedule ) with a letter. If that option was available, why did I have to wait over one week to learn about it? 

Prior to receiving the affidavit from the Bank, I received difficult news concerning my health. I informed the bank I was dealing with a health crisis but would get the affidavit to them as soon as possible. Miraculously, despite juggling work, family life, and the challenge of coordinating a slew of doctors appointments to handle a potentially life-threatening challenge ( and fear, of course ), I managed to mail in the affidavit within two weeks of receipt. The bank sent me a letter informing me I had not sent it on their time table so they would not return my money prior to concluding their investigation. 

Finally, just yesterday, the bank returned half of my stolen funds with no explanation as to why or when I can expect the rest. 

In sum, I was the victim of bank fraud brought about through no fault of my own. In fact, the security practices of financial institutions like Bank of the West, are so lax they make such fraudulent activity possible, even common place. When I reported the fraud to my bank, they invoked policies that punished me, the consumer, and allowed them to take as long as they wanted to return my money. They did this just as I was dealing with the most frightening health crisis of my life. The {$600.00} meant nothing to the bank, but for me it meant I had to forgo basic necessaries so that I could pay bills for the month. It also added more stress to a very stressful time. This is unconscionable behavior. I ask CFPB for assistance with my case but also to investigate so that this problem does not happen to others.
Complaint sub-issue: Account status 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 information was 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 inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXXDate of inquiry XX/XX/2021
Complaint sub-issue: Was not notified of investigation status or results

I filed a recent complaint against Equifax, but it is not in the CFPB system. Why not? 
The Complaint ID # was XXXX. Now I will repeat my original complaint. 
I have attached eight ( 8 ) letters that I have sent to Equifax since XX/XX/XXXX. 
I have repeatedly disputed two accounts : XXXX XXXX Bank XXXX and XXXX XXXXard Services. 
Equifax has repeatedly failed to comply with the FCRA in numerous ways. 
Equifax failed to inform me of the results of their investigation. 
Equifax did not perform its own independent investigation beyond what some creditor may claim. 
Equifax failed to mark either account as disputed by the consumer, which does damage to my credit scores because if Equifax had complied with the FCRA and marked my accounts as disputed, some credit scoring models do not negatively assess disputed accounts and my scores would not be lowered. 
Equifax ignored my questions in my XX/XX/XXXX letter. 
Equifax made false claims in my XX/XX/XXXX letter ; I did not indicate fraudulent items, I requested a re-investigation, which Equifax failed to conduct. 

These two ( 2 ) accounts must be deleted for inaccuracy and FCRA violations for years.
Complaint sub-issue: Add-on products and services

My Citibank credit card comes with an extended warranty program, whereby they double the original product warranty. 

I filed a claim under this program XX/XX/2019, and submitted the required documentation. 

After that I made multiple calls and sent multiple follow-up emails to check on the status on the claim, and never got an estimate of the resolution date. On one occasion, mid-XXXX, I was promised a callback from an adjuster within two dates, but the call never came. 

The first communication from Citi after I filed this claim was XX/XX/XXXX, where they asked for the repair estimate, which I submitted as part of the original claim, but resubmitted it once again. I find unacceptable both the fact that they looked at my claim for the first time six weeks after the original submission, and then asked for the document already provided. 

Currently, almost three months after the original claim, I still dont know its status. I feel that Citi is knowingly dragging out this claim to essentially make their extended warranty benefit unusable, thereby failing to deliver on the benefit sold to us as part of the credit card.
Complaint sub-issue: Problem making or receiving payments

My name is XXXX XXXX. 

Im filing a complaint today about the customer service practices at KeyBank. My issue with KeyBank is they have froze my account since XX/XX/2021 due to accidentally cashing a check twice, the first time being a mobile check deposit and second being a atm check deposit. The reason I have made the atm check deposit after the mobile check deposit was because I havent recieved confirmation from my mobile check deposit, so to make sure I have cashed the check I made a atm check deposit. Due to making the deposit twice the bank has restricted my account activities and Im unable to even login to my mobile banking application. I have also accidentally used some of the banks funds but immediately credited my account. The bank branch manager in XXXX XXXX WA branch Mr. XXXX has told me since XX/XX/2021 that he will resolve the issue, but I am yet to receive any answer and Im being told by the manager that my issue is going to be too priority but since Im still being under represented. I feel as though my business with KeyBank is being discriminated and manipulated. I am loosing patience with this bank so as soon as they receive an email from the CFBP I will want them to unfreeze my account and then I will remove all funds and discontinue business with KeyBank for me and my family members who are apart of KeyBank as well. Please help me resolve this issue to the highest order. Thank you.
Complaint sub-issue: Information belongs to someone else

I have called EQUIFAX at least 4 times over the last 3 months in writing and over the phone to remove a fraudulent account reporting from XXXX XXXX. As of XX/XX/2022, they have stated the account with {$8600.00} in charges has been " Verified '' but have failed to provide me with the original contract that I allegedly signed to create the debt, no sworn affidavits of verification, or similar oaths made in the presence of a notary public/authorized person. 
I am reaching out to EQUIFAX to either provide me with sworn verification or correct their records as it is hurting my person. With a fraudulent account reporting on my report, my credit score is impacted and for the first time in my adult life, I am unable to obtain credit to pay my rent, gas, and other bills. I had {$6.00} in XXXX of my checking accounts the other day. It was humbling, and all I want to do is get back on my feet. EQUIFAX 's negligence is hurting individuals like myself, when no XXXX individual can stand for the company and state the claims they send to me in the mail.
Complaint sub-issue: Trouble with how payments are handled

XXXX complaint - case XXXX Fedloan Servicing Account XXXX I paid off a loan originated on XX/XX/2013 and it continues to accrue interest and payments. I received a XXXX answer from my XXXX complaint that was unacceptable. I need HELP resolving this issue or will need to hire an attorney.
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 information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Fed Loan com plain with consumer finance.gov aka CFPB I was given inaccurate information regardin g Income Based Repa yment options.   I had previously been informed thro ugh FedLoans webs ite that tax return information was needed to re-certify my repayment plan.     A representative later told me, that was n't true. I could have provided income stubs at the end of  XXXX , months ago, in order to have my issue resolved by now.     Now my affordable, income-based re-payment plan has expired. It will take months for the plan to be re-instated and interest due will be capitalized as a result.     I could have avoided this situation had I been given the proper information at the end of the year. The information could have been included with a mont  hly FedLoan billing statement.
The misinformation will cost me money. In the Information Age, I   do n't understand why it takes months to verify my adjusted taxable income. There has been no meaningful change compared to the  XXXX  Tax Year.
Complaint sub-issue: Right to dispute notice not received

I never received any kind of notice.. not sure what this is for. I found out about this through XXXX.
Complaint sub-issue: Billing dispute for services

Called and mailed fXXXX XXXX XXXX XXXX several times they wont allow me to pay off my balance due to a spouse steeling my credit card but I have gotten nowhere everyone I talk to Is disrespectful They are saying I need to get in contact with the third-party company that took over Ive been having no luck For months now The last investigation drop my credit score XXXX points Im in the process of trying to get a house for my kids Yes this account should be disputed
Complaint sub-issue: Reporting company used your report improperly

I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX  Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor {$130.00} Open balance XXXXXXXX XXXX XXXX Original creditor
Complaint sub-issue: Received bad information about your loan

I am {$35000.00} in student loan debt. XX/XX/XXXX, I  signed up for student loan forgiveness with a servicing company : XXXX XXXX. 
I was told my loan application for the Department of Education will be sent off for student loan forgiveness and I would be charged a {$190.00} fee for the initial start up. 

After, I would pay {$49.00} monthly, to have my student loan account oversaw at all times. 
I have since found out XXXX is a scam and a dishonest company. 
I have called them to cancel and they have told me I can not cancel and have to pay the full amount owed to them, to settle payment. 

They took out a {$49.00} fee from my account XX/XX/XXXX and XX/XX/XXXX. 

The initial company that contacted me with XXXX has told me several times they sent XXXX a cancellation email regarding my account. The latest time was XX/XX/XXXX. EA has continued to send me emails stating my payments are passed due and if I do n't make payments soon, they will put derogatory marks on my credit score. 

I realize that student loan consolidation is something I can do on my own and they do not get student loans forgiven, as told. 
I am awaiting to hear back from the initial company to confirm XXXX 's response regarding my cancellation. However, the initial company told me if XXXX cancels my account, I will still have to contact them about cancelling my finance contract. I will still owe XXXX and this will affect my credit. 

I want to know what my options are. I am not letting XXXX get away with scamming individuals. I see their reviews online and they ALL express the scam in this business. 
What business emails clients and threatens them?? 
This is absolutely absurd and I do not believe I should be penalized for wanting out of a scam. This company needs to be shut down and legal action needs to be made against them.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX Equifax reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXXbut it finally was deleted. In XX/XX/XXXX, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

Hi XXXX ; how are you? I'm looking at my credit report and the balance still reports incorrect, incomplete, and unverifiable. If you see, I have a confirmation number # XXXX for {$1500.00}. This is paid but it's reporting incorrect and erroneous! It's taking more than 60-90 days and still not resolved. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Trouble with how payments are being handled

I have paid my student loan for over 7 years, month in, month out reliably and without issue. I logged on to increase the amount of my Direct Debit payment to send them even more money on a monthly basis ( {$200.00} ), well above the minimum amount ( {$180.00} ). I received a confirmation from them that the Direct debit ( automatically drafting my bank account ) was adjusted correctly, on XXXX XXXX. Then, the day after my payment was due, on XXXX XXXX, I logged on to ensure that the additional amount over the minimum was pulled form my bank account and correctly applied to my fed loan servicing account. I logged on and was immediately informed that my account, which has been paid consistently on time for over 72 months, was delinquent. FED Loan Servicing decided, in their infinite wisdom, to go ahead and make the executive decision to not honor my standing instructions to pay anything towards my loan that month, even after I received a confirmation that the direct debit status was active on XXXX XXXX  They sent me a confirmation in writing that a certain amount would be debited from my bank and paid towards my account yet they did not honor my standing instruction to do so, even though through their own admission, this request was received in good order.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2021, i sent my first dispute to Equifax asking them to furnish all information that could tie me to the debt they claimed I was liable for. They failed to do so and closed my dispute stating the information was " VERIFIED '' but failed to state how or show me any original documentation. On XX/XX/XXXX i sent my second dispute to Equifax again asking them to furnish all documentation such as original contracts, signatures or an agreement I agreed to involve this debt as well as to complete an independent investigation and not a computer response. According to the USPS, they received the letter on XX/XX/XXXX but It been over 30 days and I have not received any documentation or status regarding my second dispute. I checked my credit report to see if there was a credit dispute update on my file and there was none which leaves me to believe they did not even do an investigation this time. Lastly, on XX/XX/2021 I sent a 30-day nonresponse letter to Equifax with a copy of the letter I sent them on XX/XX/XXXX showing proof of my dispute.
Complaint sub-issue: Debt is not yours

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Complaint sub-issue: Fee problem

I made   a deposit with Citi bank to open an account. I called the company to initiate the deposit by phone. The CSR took the routing number and account information for the bank deposit.
Later I was informed that the payment was rejected because the account number had been keyed incorrectly. I subsequently resubmitted the information to Citi and they processed the transfer. Shortly there after I was assessed a fee for the initial deposit that did n't go thru due to their error. When I called a CSR they told me it would be removed but have since not been reimbursed.
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX  XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX : XXXX : XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Calls from Global Receivables Solutions , Inc. regarding an outstanding medical bill from XXXX XXXX in the amount of {$4800.00} from a hospital stay in XX/XX/XXXX. The calls started mid-XX/XX/XXXX. In early XX/XX/XXXX, I returned the telephone call stating that I could afford to pay {$25.00} per  month as I am only working at a temporary job through a temporary agency. I was asked about how much I paid for mortgage, car insurance, and automobile insurance. I answered. I also was asked how much I brought home per month in salary and I told the person. I said that I could send a money order monthly for {$25.00} as that was all that I could afford. I was then put on hold and anther person insisted that I pay the total amount but at a reduced rate. I then stated that I do not have that kind of money. I was asked to pay the hospital bill with my XXXX card as the person knew exactly how much I had left for charging on the card. I said no. The person then said well then pay with your XXXX XXXX XXXX and said how much money I had left that I could charge. I said no I will not put anything on my credit card. Then I was asked to borrow money from someone that I knew and I said no. I said to that I would be able to send a {$25.00} money order monthly. I was put on hold again. The next person asked me to purchase a prepaid debit card, pay at least {$100.00} on it and then send $ XXXX monthly. There is no way that I will remit monthly payments on this debt as it would be a scam to just send money via a prepaid XXXX card. That does not make any sense and would be very dangerous. I then sent a cease and desist letter via certified mail.
Complaint sub-issue: Attempted to collect wrong amount

Amount due is zero. Rental apartment lease was ended legally per Texas Property Code XXXX. I moved out of the apartment while still paying rent so new occupant selected by apartments could move in. Advised collection agency, ProCollect : 1 ) lease was ended legally, and 2 ) this is an attempt to collect double rent for the same apartment, which is also illegal in Texas. They refuse to remove the information from my credit bureau reports, which almost made me a homeless XXXX veteran and now prevents me from relocating to most other rentals.
Complaint sub-issue: Problem with personal statement of dispute

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, EQUIFAX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!