Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

I purchased two items online from Best Buy using my Citibank Best Buy Credit Services Card ( XX/XX/22 and XX/XX/22 ). XXXX was to deliver them. Neither item were delivered and the status for the items were listed as " delayed ''. A week later, I had XXXX  run traces on the items and was told that they were " lost ''. At some point later, XXXX changed the " tracking status '' from delayed indefinitely to " delivered '' and backdated the delivery dates to XX/XX/22 and XX/XX/22, with no record of the " delayed '' status appearing in the history of the item. This is FRAUD! Best Buy told me to take it up with XXXX. XXXX told me to take it up with Best Buy Credit Services. 

Best Buy Credit Services claim to have conducted an investigation but all that entitled was printing out a copy of the fraudulent delivery status. I submitted additional documentation showing that the date was backdated and no action was taken. 

Every time I call Best Buy Credit Services ( Citibank ), I get a call center and am " transferred '' time and time again to other call centers. I have asked for contact information for their Corporate office and for their legal division, but they refuse to help. 

I have also filed complaints with XXXX against XXXX, Best Buy, and Citibank
Complaint sub-issue: Report improperly shared by CRC

In XXXX 2014, I made an online inquiry with XXXX XXXX about whether it would be possible to qualify for a mortgage based on assets and equity and pointed out we would not have adequate income to qualify for a mortgage. XXXX XXXX encouraged us to fill out their information form and led us to believe that it could be possible. They pulled a credit report on us and then informed us we would not qualify for a mortgage because we did not have enough income. I challenged the credit pull they did under false pretenses ( having stated from the beginning that we did not have adequate income and we were seeking an asset based loan ) and they responded that a credit pull would only cost us a few credit points and that all credit report pulls we experience within a 30 day period will not be counted as individual credit pulls. They were incorrect on both accounts. Our credit score dropped XXXX points in that period and there were no other changes to our report. Multiple credit score pulls showed on our account despite having clearly stated before each inquiry that they were not authorized to pull a credit report unless they would be able to lend based on assets, not income. In each case, they pulled a report then apologized when they turned us down for not having enough income. They used deceptive practices and operate with incorrect information about the impact of their actions on someone 's credit score. This probably is something that should be addressed in a class action lawsuit. It happened to us several times in that window by lenders who apologized after the fact. It is clearly a practice they do frequently given how many times they did it to us-pulling a report after being told conditions of authorization then apologizing afterwards when they have learned what prospective client told them in the first place. 

First and foremost, I did NOT authorize them to pull a credit report for an income based loan application. Yes, they did do a credit pull but no, it WAS NOT AUTHORIZED.
Complaint sub-issue: Account status incorrect

this account should not be on my credit report, i spoke to this bank they said to file a complaint and they will remove this account.
Complaint sub-issue: Problem with personal statement of dispute

I sent a dispute letter to XXXX regarding 8 accounts totaling {$48000.00} reported by ECMC of dates of these account opening on XX/XX/XXXX. I informed them that I had no knowledge of opening these accounts on or around that time. XXXX  responded back with a copy of my credit report indicating when these accounts will be removed on XX/XX/XXXX however they did not fully investigate that these accounts are associated with old accounts from XXXX and ECMC re-aged the accounts to XX/XX/XXXX as well as XXXX XXXX, XXXX XXXX, and XXXX  re-aged the same debts during the transfer from one office to another.
Complaint sub-issue: Account information incorrect

I had an old medical bill that has been paid directly to the original creditor. This debt is still showing on my credit report even after disputing it, and showing proof of payment. I would like you to investigate this or else I will sue the credit reporting agencies for Libel.
Complaint sub-issue: Trouble with how payments are handled

* Due to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out who, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on FedLoan Servicing, XXXX, PA, ( XXXX ) XXXX account. 
2. 60-day past due delinquency notation in XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account.
Complaint sub-issue: Account information incorrect

PNC receives my mortgage payment every month, but sometimes it has been late. I have attempted to get the due date changed by PNC, and PNC has refused to change it. Now it has put an inaccurate balance of more than XXXX on my credit report for late fees. Again, my mortgage is paid every month and PNC is simply refusing to work with me to change the due date and now it is purposely trying to ruin my credit. Indeed, during the 2019 Federal Shutdown, PNC refused to work with me on paying the mortgage late even though I was not receiving a salary and the Federal Government guidance was to forego late fees and not to implicate my credit reports. PNC ignored Federal guidance.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, a supposed " credit reporting agency '' now being used by MANY real lenders, even though XXXX is providing FALSE information, and EXTREMELY LOW credit scores on me and THOUSANDS of other people, that do NOT follow FICO guidelines and they are most often than not, inaccurate reasoning as well! There are complaints everywhere including XXXX, XXXX, XXXX and others. XXXX is NOT one of the three major credit reporting agencies and are NOT providing a legitimate " FICO '' score, yet companies are using them to deny credit or only offer much higher interest rates which is unfair and against the law. I was denied credit based on XXXX 's report. They also do NOT allow us to obtain a copy of our report or score without mailing or faxing NUMEROUS personal documents, which is extremely UNSAFE and unfair of them, and I will NOT mail those documents which could then be used against me or sold to identity thieves! The 3 major agencies all allow online access to this information safely. This company XXXX XXXX, their name alone using XXXX shows they are a shady company that should NOT have access to all our personal information, needs to be shut down and charged with fraud at the very least! Limited Liability name or not, they MUST be held liable for their detrimental actions on THOUSANDS and THOUSANDS of American citizens!!! There should ONLY be the three MAJOR reporting agencies that are monitored and follow the LAW!! This company should NOT have access to our private personal information!!! Please stop this company from destroying so many people 's credit lives!! People all over the country are being overcharged interest rates or being denied credit they rightfully deserve, like I was denied!! PLEASE shut this scam company down and arrest the individuals responsible!!!
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
items ; XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXXXXXX Balance : {$1700.00} DEPTEDXXXX XXXXXXXX Balance : {$2600.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Equifax : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXXXXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance XXXX XXXX DEPTEDXXXX  XXXX Balance XXXX XXXX DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX Balance : {$1500.00} DEPTEDXXXX XXXXXXXX Balance : {$1600.00} DEPTEDXXXX  XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX  XXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX
Complaint sub-issue: Funds not received from closed account

XX/XX/XXXX- Our company was notified of two different account closings as of XX/XX/XXXX and XX/XX/XXXX ( Debits to account amounted to {$14000.00} and {$16000.00} ) when our employee went into the branch to cash check. He was informed the bank had closed the accounts upon learning of account activity, and we would need to call the XXXX XXXX XXXX at XXXX to inquire. 

Our corporate office called the above number ( a bank call center ) 6 times in a 2-week span to inquire as to the location of funds and was told each time that they could not give us any additional information regarding the missing funds and that, in fact, there is no XXXX XXXX XXXX. We were then instructed to send a letter to the Customer Service location at XXXX XXXX XXXX XXXX XXXX XXXX, TX, which we have now done twice, on XX/XX/XXXX and again on XX/XX/XXXX 
As of XX/XX/XXXX, have not received these funds, or received any additional information from the bank regarding the status and location of our money.
Complaint sub-issue: Trouble getting a working replacement card

This is the third time I am filing a complaint regarding US/Bank Reliacard Utah unemployment benefit. Please see complaint # CFPB - XXXX. The company said they resolved the issue, but they have NOT. They requested I fax them my valid government ID, SS card, and XXXX, and include the Card ID # XXXX, which I did. They did not tell me in their letter that I had to enlarge the documents by XXXX and reduce it to the lightest point. So I waited almost a month and contacted Reliacard, at which time they informed me that I needed to refax with the above instructions, which I did on XX/XX/XXXX. They said they would then send me a card. I called on XX/XX/XXXX and talked with XXXX in XXXX. She confirmed that they did receive my fax verifying my identity and that it had been approved. However, she said they had " locked '' my account so no one could get access, which I appreciated. She said she had to escalate the unlocking to management and that if I called back on Monday, XX/XX/XXXX and she could order a card expedited. I called on XX/XX/XXXX and talked with XXXX who said he couldn't find the account, that everything had been deleted. He could not help us. I hung up and called two more times, finally talking with XXXX, who found and verified the account easily, and said she could order a card expedited but had to send it to a manager. Called back on XX/XX/XXXX to see if card had been ordered, call was disconnected. Called again and spoke with XXXX at XXXX XXXX. She said she would order the card and confirmed that the order went through. Instructed me to call XX/XX/XXXX ( today ) and they could give me the tracking #. When I called they said they needed the password I had given them the day before. We NEVER, IN OVER 30 CALLS, going back to XXXX, was asked for a password and explained that we did not know what they were talking about. They said they could not help. I begged them to transfer me to a supervisor or manager. They put me on hold for 2 1/2 hours before call was disconnected. Reliacard customer service is the worst I have ever experienced. They have used every excuse possible to deny or delay getting me a card. I have attached several documents showing what I have done and communications without any resolution. Even with the first complaint I filed, they used the excuse that they couldn't respond because I had asked them to try to contact me through my sister and they told me I had to refile the claim because I'd mentioned her name. I refiled and then their response was that they already resolved the complaint ... which they had not.
Complaint sub-issue: Problem during payment process

I 've had a Costco Visa credit card for 3 months. Every month I make a one time payment for all my purchases with my XXXX XXXX checking account that is linked to this credit card. A VERY excessive payment hold is placed by Citibank after they have already received the money. Because of these excessive payment holds I 'm unable to use the credit card because they do not adjust the available credit. Payment hold times after Citibank receives the funds are so excessive this seems illegal. I spoke with a Citibank manager via phone who stated that he totally disagrees with this practice. He stated " once a payment posts we should not continue to place a hold on that available credit for such a long time ... sometimes up to 2 weeks ''. Unfortunately, the only way to remove this hold is for customers to call Citibank and request a 3-way call with their bank to confirm payment. I 'm considering closing this account because the time I spend each month with Citibank making that 3-way call is a lot more valueable than the benefits this card offers.
Complaint sub-issue: Didn't receive enough information to verify debt

Today I'm mailing a XXXX letter requesting debt validation for this unknown collection account. To be sure the company acknowledges receipt, I'm sending it here as well.
Complaint sub-issue: Information belongs to someone else

I checked my credit and noticed a account and multiple hard inquiries I do not recognize
Complaint sub-issue: Transaction was not authorized

To Whom This May Concern, Last year, XX/XX/XXXX XXXX XXXX, I sent a message through my bank 's online contact service to revoke courtesy overdraft to stop being charged overdraft fees ; however, I recently discovered this was never changed on my account. Therefore, I have been charged overdraft fees ongoing YTD, regardless of my request on XX/XX/XXXX, totaling {$800.00} from my financial institution, Commerce Bank. Prior XX/XX/XXXX I was charged {$460.00} in fees, thus propping my decision to revoke the overdraft protection policy. ( XX/XX/XXXX, {$72.00} ; XX/XX/XXXX, {$35.00} ; XX/XX/XXXX, {$70.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX, {$0.00} )
Complaint sub-issue: Attempted to/Collected exempt funds

I spoke with this collection agency about accounts in my name and XXXX representative was extremely rude and disrespectful. Prior to speaking with her i received threat phone calls with this agency {$100.00} and more. Every time i speak with a deb collector i ask for a full description of any bill and all other information needed to confirm any amount due. I advised that my insurance paid these accounts and she did not listen and tells me that i have more account than what is reported on file. The information they have of me phone number, address, are all invalid information. I have accounts on my credit report and was not informed by any such debt by mail ever.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I have received a new replacement card for XX/XX/XXXX deposit I have notified XXXX XXXX to the point they will not fix the problem with International ATM with draws XXXX XXXX will be my 2 year anniversary in this country of XXXX my Adress : 3 private XXXX XXXX XXXX XXXX # XXXX Phone XXXX XXXX Email XXXX SS # XXXX Thank you XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Sent XXXX XXXX  XXXX, XXXX, XXXX and Equifax a letter to have my account checked for audit and accuracy. XXXX  XXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

Progressive Management System # XXXX is reporting an account to XXXX   that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a domestic violence case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Complaint sub-issue: Received bad information about your loan

AES has been servicing my loan since inception. This company has COMPLETELY mishandled my loan and repayment process. They have required payments while my account should legally and rightfully be in deferment status ( I am still in school pursuing a XXXX XXXX degree ). I have made said payments in order to keep my account out of delinquent status. On a yearly basis they boot my account out of deferment status and make me provide documentation THAT THEY ALREADY HAVE to prove I am still in school and have not graduated from a program. During this time payments must be made to keep the account current. At one point they illegally reported a late payment on my credit that was never late because the account was in deferment status at the time. This process has been not only daunting and time consuming but also out of compliance. I requested ALL loan documentation as well as correspondence so I could begin the lawsuit process and was denied access to this information. I also requested to be put in touch with someone in the compliance department and was also denied. I receive little to no correspondence ( other than BILLS ) from this company regarding my requests and general follow-up. Every time I call I request to speak to the supervisor I spoke to previously and I am denied. This company 's practices are ILLEGAL and non-compliant. They currently have a lawsuit pending in federal court for the same issues.
Complaint sub-issue: No notice of investigation status/result

Equifax refused to delete this inaccurate and unverifiable Public record from my credit report. 
In the results of Equifax " re-investigation '' in my recent dispute. They stated that they ''verified '' this public record. 
They stated that this Tax Lien was released on the date you are reporting and that they verified the information. Which is another lie! 

What was your " Method of verification ''? The court said you never contacted them. Also, using a XXXX party vendor does not work for this purpose. 

Equifax is reporting that the information was from : XXXX Superior Court XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX v. Equifax. The court ruled that you are not allowed to claim any court or government agency furnished, and/ or verified information with the credit bureaus. This would then also include using a court website - even through PACER, to claim a public record is verified. 

This clearly shows that this is not the original source of information. The court house said they never release any information to CRA 's. 

You did not contact the original source of information and did not do it within 30 days this item has to be DELETED. PERIOD!
Complaint sub-issue: Old information reappears or never goes away

The Dept. of Education keeps reporting different information multiple times across multiple credit reporting agencies. The same loan is reported twice on all reports. The two loans are being re-aged every other year too. These loans are from XXXX from a school that closed, changes hands, and turned out to be a scam.