Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

This complaint is also under my maiden at the bank. My maiden name XXXX XXXXXXXX On XX/XX/XXXX of 2020, I had made a purchase using my debit card that was through simple mobile banking who was taken over by BBVA then taken over by PNC. We had to postpone our stay multiple times due to covid. At the last minute our host cancelled. on XX/XX/XXXX, XXXX issued a refund to the original card/bank that was inactive. I informed XXXX immediately that the card was inactive and they continued to issue the refund and told me I need to contact the bank. I contacted PNC bank about this issue and they told me I would not receive the funds due to the multiple switch of banks accounts and could not research the transaction because it was originally purchased through simple mobile banking. They also stated that they could not provide written documents to XXXX. I have tried to resolve this issue with both XXXX  and PNC bank on MULTIPLE occasions. XXXX specialty team will/would only talk through a chat about this issue once I escalated it. The XXXX number that was provided from XXXX is XXXX. I provided that number to the bank and they stated they can not look it up.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, I was slammed with a fake website while trying to order comedy tickets from XXXX XXXX XXXX XXXX XXXX XXXX located @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. The following attachments are documentation that BB & T Bank refuses to cooperate to refund monies that was not authorized from a fraudulent company that has scammed me and many other people. First, BB & T representative assured me, when charges of {$270.00} posted to my account, I will be refunded. I contacted BB & T Bank continuously and its always an unresolved response such as merchant is disputing the claim then you have to wait for 30 days and final response was if merchant dont response, monies will be refunded. On XX/XX/XXXX @ XXXX XXXX, still no refund or merchant response. It has been over thirty days. I never received tickets from fraudulent vendor. Therefore, Im out of {$270.00} and tickets too. The attachment # 1 is the actual letter to start claim process, attachment # 2 is the actual website for XXXX XXXX XXXX XXXX XXXX XXXX with tickets purchased and confirmation. I finally was able to purchase two tickets from the correct website. After, I attempted to purchase ticket again ; the fraudulent website came up twice. As I explain to BB & T representatives more than once, I attended a show with tickets purchased from XXXX XXXX XXXX XXXX XXXX XXXX but my debit card was charge {$270.00} for tickets NEVER received. It has been very stressful and unfair to be treated in such an appalling manner. I have contacted BB & T Bank on the following days : XX/XX/XXXX ( first call ), XX/XX/XXXX ( informed BB & T representative to expect an email ), XX/XX/XXXX @ XXXX XXXX-13 mins-38 seconds, XX/XX/XXXX @ XXXX XXXX-7 mins-44 seconds, XX/XX/XXXX @ XXXX XXXX.-11 mins-46 seconds, XX/XX/XXXX @ XXXX XXXX-19 mins-1 second
Complaint sub-issue: Didn't receive advertised or promotional terms

RE : CFPB Complaint Number : XXXX. 

CFPB sent my original complaint to the company ( US Bank ) fifteen days ago, on XX/XX/2023. US Bank has failed to respond to CFPB or to me regarding my complaint. Therefore, US Banks response to my original complaint is untimely according to the CFPB regulations. 

Since having filed the original complaint, I received a letter ( photo attached ) from US Banks credit department dated XX/XX/2023. 

The letter states more reasons than was told me by the telephone conversations with employees of US Bank immediately after learning that my application for the credit card State Farm / US Bank invited me via a letter to apply for had been declined. 

By telephone, I was given only one reason for my application being turned down and that was but for having been granted too many new lines of credit by other companies within the most recent twelve months. ( In my original complaint I acknowledged the amount of the recent personal unsecured line of credit granted me by XXXX XXXX  in error at [ {$20000.00} ], when in fact the new line of credit with XXXX XXXX is for [ {$25000.00} ] ). 

The attached letter states multiple reasons for US Bank declining its solicitation to me via the United States Postal Service to apply for yet another State Farm / US Bank credit card and stating, We hope you are enjoying the State Farm / US Bank credit card the companies had granted me long ago that I have, in fact, enjoyed which is why I accepted their new offer to apply for yet another of their credit cards. 

Since filing my original complaint with CFPB, I wrote to the chief executive officer of US Bank, XXXX XXXX XXXX. I reminded XXXX XXXX that State Farm / US Bank had performed a soft pull of my credit standing BEFORE mailing to me its solicitation to apply for the Good Neighbor credit card and therefore the companies knew all of the reasons it stated for denying me their offer AFTER US Bank then pulled the hard pull it used to deny me their offer and that there was no more information that US Bank could have learned about me that it already knew from the soft pull. 

My learning that a soft pull was performed to qualify me to be mailed the offer only to be turned down with the results of the hard pull that hurt my credit rating is outrageous and is another reason for me making this second complaint with CFPB.
Complaint sub-issue: Talked to a third-party about your debt

This company is repeatedly calling my elderly parents, inlaws and threatening legal action against me, sharing information with third parties, the language they use is abusive, threatening and they will not stop calling. They also call my work phone many times per day. They do not leave messages nor have I received any sort of debt validation. What they are doing is illegal. The most recent call was today to my work phone.
Complaint sub-issue: Attempted to collect wrong amount

this collection sat dormant for a few years so i decided to make a reasonable offer to settle case..my offer was rejected and they countered offered me a ridiculous term which i declined. Then i noticed they started changing the amount they say i owed every month to effect my score falsely. I believe this is illegal and is retaliatory..!!
Complaint sub-issue: Debt is not yours

I found out yesterday XX/XX/XXXX that a company called Enhanced Recovery CO L has reported to the 3 credit agencies that I owe {$1200.00} because of a bill from XXXX XXXX XXXX mobility. I contacted XXXX XXXX XXXX and they deny that I owe them that money and that it is a fraudulent charge. The company Enhanced Recovery CO L,  called me late in XXXX and after the discussion it was my understanding that they understood it was fraudulent because I don't own a XXXX XXXX XXXX mobile phone and haven't for many years. After that I never heard from them by either phone or mail. Yesterday I checked my credit report and saw that they reported the collections and 5 missed payments seriously damaging my credit. As I mentioned earlier, I never received anything in writing from Enhanced Recovery CO L. They posted that I missed these payments XX/XX/XXXX to XX/XX/XXXX. Efforts to reach them by phone led me to a phone with no voicemail box that would not let me even leave a message. There contact information from XXXX is as follows : Enhanced Recovery CO L XXXX XXXX XXXX XXXX, FL XXXX XXXX My contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

Received calls from so-called Discover card saying they are offering me a discounted interest rate on my Discover card. I do not have A Discover card and Ive asked to be removed from the list but they keep calling. 

Calling from number XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Problem with fees

I closed my Citibank secured card on XX/XX/XXXX due to my card not graduating to an unsecured card. The representative told me at the time that my security deposit of {$200.00} would cover any outstanding charges, etc. I received an email from XXXX that my account was closed voluntarily. However I was made aware that Citibank charged a late payment fee for XXXX when I had already made a payment of {$180.00} on XX/XX/XXXX. THEN they charged me an over the limit fee because of the incorrect late fee. Im already frustrated that they wouldnt graduate my card that I've had since XX/XX/XXXX to unsecured when I never missed a payment! Now they are trying to charge me additional fees to close my account! I believe this is a retaliation method they are using because I am closing my account. I did speak with a representative by the name of XXXX on XX/XX/XXXX who helped me greatly and was able to remove the incorrect fees. She explained to me that the person I spoke with told me incorrect information and everything in detailed to me.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : AN # XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2021
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On  XXXX   XXXX ,   XXXX   I made a purchase originating fro m homedepot.com that c harged  XXXX  to my Home Depot Credit card. The store was unable to fill the order and cancelled the order on the same day. I received an email cancellation and refund confirmation when store cancelled my order. I waite d for one wee k and my refund did not get processed. I attempted to resolve with the store and they insisted that they could only refund me if I presented my card and ID in person. I contacted customer care wi th Home Depot and the  referred me back to the store stating that they were unable to assist. I disputed the transaction on my credit card. I called the credit card disputes department for my home depot credit card on  XXXX / XXXX /  XXXX   and was advised that my dispute was closed and needed to be reopened. I advised that the dispute is not resolved and that the store has had an opportunity to represent to my dispute and should not be allowed to reset their dispute clock. The agent advised that the merchant has not represented. The credit services/claims associate advised that she could not escalate this claim. I advised that they are out of compliance with lending regulations. The associate offered no further resolution. Called  Store  on  XXXX / XXXX /  XXXX   and was advised by  manager on dut y  XXXX   that they are un able to process the refund unless I come into the store.
Complaint sub-issue: Was not notified of investigation status or results

I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contact XXXX, Equifax and XXXX  and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.
Complaint sub-issue: Account information incorrect

I've had the absolute worst experience with this company during the past 2 months. First and foremost my account was disabled after I made several complaints without any sufficient reason. When I call about it I am given a standard generic response. My accounts were in good standing and paid in full and a few months in advance. I was told to double check my XXXX information and when I called them, they said everything I had was accurate. The address was then updated and yet I still could not process an application even after it says correct the information from your XXXX which was only an address they suddenly changed. After numerous emails I was told it was disabled and no longer can use their services and they could NOT provide a reason. I've had 5 loans and now I get this issue after several complaints and my account is disabled. You can not reach a live person unless you call from a # that is not registered with an account, if you call from a recognized # it is only automated with generic responses. Secondly, my credit report ( XXXX ) still has balances on all my account since XXXX of this year even though they are all paid in full since XXXX and XXXX. I've reached out several times and keep getting told the same generic information which does NOT apply to this situation. It's now XX/XX/XXXX and ALL the accounts still show on XXXX with balances and they should all be at XXXX. These accounts have not been updated on the consumer report since XX/XX/22 which is CLEARY over 1 1/2 months ago. It's ridiculous and poor service.
Complaint sub-issue: Account information incorrect

CitiBank dropped my credit limit by {$7500.00} on my two credit cards ending in XXXX and XXXX in a letter dated XX/XX/XXXX. 
The card ending in XXXX was reduced from {$3000.00} to {$500.00} and the card ending in XXXX was reduced by {$7000.00} to {$2000.00}. 
My card ending in XXXX was opened around XXXX - XX/XX/XXXX. 
The letter indicated that XXXX  reported my credit score as XXXX on XX/XX/XXXX. But my XX/XX/XXXX XXXX XXXX was around XXXX as per the XXXX XXXX report. My credit score never dropped by XXXX points in 1 day! 
I called the customer service of Citi bank and they asked me to open a complaint with XXXX. I called XXXX  and they mentioned they can only give me my 'current ' credit report and not any historical report. XXXX  can open a complaint only for a mistake on the credit report and started asking money for historical reports. 
I notified Citi Bank and they asked me to send the XXXX XXXX report to a specific address. 
I sent 4-5 letters to Citi Bank and all were sent with XXXX priority mail and tracking showed that all letters were delivered from the past 6 months. But Citi Bank didn't respond by letter to any of my letters. 
Because of the actions of Citi Bank and a bad response to its long-term customers, my overall credit percentage compared to credit limit increased that impacted my credit score. My credit score reduced by this massive drop. Other credit cards followed the suit and the credit limit further dropped by nearly {$10000.00}. 
Other things they mention in the letter is that generic statements saying my card balance on other credit card is high. Question is, how does Citi Bank know if the other credit lines I have are with 0 % APR or not? You look at credit cards with your bank first and see how much effort I had made to pay off the Citi Bank cards and improve

my credit score. The action of Citi cards only indicates
that they do not want consumers to pay off their credit cards.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a many items to be updated. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these items ( XXXX ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account status

Had difficulty filing dispute with EquifaxPaid off all doctor visits that continue to appear on my XXXX XXXX and other account in collection through XXXX : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. 

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: Other problem

My XXXX-year old father was the victim of an unscrupulous unlicensed contractor, and who turned out to be a thief and a vandal. My father purchased items for a home-improvement project and had the items in this contractor 's truck. Instead of delivering the item to the house for the project, the contractor absconded with the home improvement material. He also returned to the property and vandalized my father 's vehicle and stuck a nail inside his newly purchased 'run-flat ' tire. We filed a report with the XXXX XXXX, California Police Department ( XXXX ) XXXX ext XXXX, about the theft of the items and the vandalism. Police Report Number XXXX XXXX. I also filed a claim with my credit card company for the vandalized tire that could not be repaired and needs replacement. 

The credit card company has purchase protection for damage/theft. A claim was filed with them on or about XX/XX/2018. They were provided with photos of the damaged tire, the receipt for the purchase and a copy of the police report along with contact information of the police department and officer who took the report so that they could/would access the report themselves and their would be no question or problem with the 'chain of custody '. 

However, despite being provided with all the information they requested on multiple occasions, the carrier for the company has not made a decision on the claim and has been dragging their feet. To date, after two months, the claim is STILL outstanding and the carrier is requesting the same information AGAIN, thus acting in bad faith.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.
Complaint sub-issue: Investigation took more than 30 days

WERE DISPUTED WITH EQUIFAX ON XX/XX/2018. I DID NOT RECEIVED ANY REPORT BACK FROM EQUIFAX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : XXXX XXXX XXXXXXXX XXXX  ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX  ACCT NUMBER : XXXX XXXX, Account Name XXXX XXXX ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX  ACCT NUMBER : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, Account Name : US BANKRUPTCY COURT-XXXX XXXX XXXXXXXX : XXXX, Account Name : XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX # # # # XXXX, Account Name : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX, have all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Hello I have contacted Equifax, XXXX, and XXXX the credit bureaus about fixing the wrong information and accounts on my credit report. They are reporting inaccurate information including late pays, accounts that I have proven are not mine, a bankruptcy and accounts paid and closed but showing open. As the consumer I have full power to notify them to correct anything on my report. It honestly looks like a employee just decided to throw anything on my credit report and dared me to notice any errors. I literally can not do ANYTHING for my family because of the false information on my report. These companies have no right or authorization to furnish my credit report in the first place. No one has given them the role to rule over all people they are just a company and NOT associated with the government at all. Continue to violated my consumer rights under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and the next level up if my next step. I even called the court and spoke to the clerk that the Bankruptcy was listed under and the clerk to did not even have the record of me and advised they do not share that type of information with credit reporting agencies at all.
Complaint sub-issue: Sent card you never applied for

I have now received TWO " relia-card '' debit cards from US BANK. One was in my name and address, both correct. The second card, received today has my correct address on it, however does NOT have my name on it. The name listed is someone who does not and has never lived at this address. 

My credit has not been jeopardized at this time, from all I can tell. HOWEVER, US BANK is taking absolutely no responsibility for this issue, nor are they even acknowledging this issue AS a fraud issue. Let alone waiting close to an hour just to talk to anyone at US BANK about the issue. 

I have shredded the card the came in my name and address. At this time I have NOT shredded this newly arrived card. What do I do to prevent fraud AND also to let US Bank know to take responsibility? Typical, the big players, the bank get away scott free and the citizen is the one who pays the price in wasted time, energy, effort and potentially money. REALLY frustrating!