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

I put a check in bank arournd XX/XX/22 I thought it was for a online job but it was a fraudulant check the Bank PNC let me know about a week later about it so than I started to notice They PNC Bank was letting my money go to different places I went in and asked to close my Account they told me They Don't Have any of my information and they could not help me. so another two months and I get XXXX and I can't pay my Bills and they claim I still can't close my account. so I got a new checking account and so far behind on my bills .Pnc Claims they did nothing wrong but where is my money!!! then they got a hold of my debt card too I don't Know what to do .I 'm trying to get off XXXX califorina address on my credit report but can't figure it out yet.scammers also got ahold of XXXX XXXX XXXX and took out loan now I owe them {$2900.00} I need Help!! 1
Complaint sub-issue: Their investigation did not fix an error on your report

I have made effort after effort to contact Equifax ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/04, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received. 


I AM FILING THIS ON MY BEHALF, I DO NOT HAVE ANYONE OR ANY CREDIT REPAIR CCOMPANY HELPING ME! THIS IS THE THIRD COMPLAINT!
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/21 I noticed charges on my Citi Rewards Card in the amounts of {$660.00} and {$160.00} ( and some others that I can't see now because they don't show on my online statement ). For some reason, Citi has deleted the original account from my few so when I go to to my account online I can't see them and am therefore unable to provide data on the other charges. These charges all posted from hotels in XXXX, GA.I live in XXXX XXXX and have never booked at these hotels, stayed at these hotels, thought of staying at these hotels, and haven't traveled in a year and half due to Covid. I called Citi immediately about these fraudulent charges as soon as they showed up on my account and they said they would take these charges off my card. The originally gave me a credit of {$250.00} which seems like a random amount. This amount has since been charged back to my account. I asked them to close the account and issue a new card. The new card arrived ( # XXXX XXXX XXXX XXXX ) and these charges continued to show. I called numerous ( numerous!! ) times and kept getting the run around. They then said they'd close the replacement card ending in XXXX and sent me a new card ( # XXXX XXXX XXXX XXXX ). I was then advised during one of my calls to them that they contacted the hotel and came to the conclusion that these were definitely my charges and they then put them back on my card. They kept referring to a letter that they sent me which I never received. When I finally found the letter online ( buried in their website without an alert even though it had a deadline ), it had a copy of the hotel 's receipt which showed the person who used my card was " XXXX XXXX ''. I am XXXX XXXX, I have no children and no relatives by this name. My husband 's name is XXXX XXXX. I have called repeatedly since my account NOW shows that I owe a total of {$910.00} and they refuse to let me speak to anyone helpful in the fraud department. They keep saying they'll take my information and investigate further and I'll receive another letter from them. I am at my wits end. The person I spoke with today actually asked me if I had filed a Police Report. My card was never stolen, was never out of my possession, and I never claimed it was stolen. Why would I file a Police Report? Please help. I want to close this account and never do business with Citi again but I can't do that until this gets resolved. My fear is that they will allow additional charges to be charged to my credit card and hold me responsible.
Complaint sub-issue: Personal information incorrect

I previously sent out a dispute letter to update my personal information but nothing has updated. According to the FCRA all information on my credit report should be 100 % accurate including my personal information. I should only have one name and one address. My name is XXXX XXXX XXXX, any other variation should be deleted. My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
Complaint sub-issue: Problem during payment process

Hi, My name is XXXX XXXX contacting the CFPB regarding my Bestbuy/Citi account on the late payments XXXX 2020. Please see the attached documentation enclosed.
Complaint sub-issue: Funds not handled or disbursed as instructed

Bank required {$1000.00} in direct deposit for 3 months. {$1000.00} in direct deposits were made to the bank for 3 months. Award was meant to payout in XXXX. 

XX/XX/21 : Sent message through online portal, no response. 

XX/XX/21 : Called main Bank of the West line ( XXXX ), transferred to local bank, who said they will " look into it '' and send an email the following day, received no further communication.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I 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 I am 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 45 days gives a reason to immediately remove those items from my credit report. It has been 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Debt was result of identity theft

I have contacted enhanced recovery company in regards to my credit report. I have been a victim of fraud. I sent enhanced recovery company a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to enhanced recovery company to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX  ) and enhanced recovery company disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay enhanced recovery company and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Complaint sub-issue: Account status incorrect

I have wrote these companies several times about the XXXX XXXX account reporting open on Equifax but closed and charged off as bad debt on XXXX. They are reporting different dates and different balances. To my knowledge this is a violation of the FCRA. The creditor keep giving reporting agencies inaccurate financial information about me. Inaccurate balance, reporting that my account is active after it was closed, reporting unknown consecutive payments when the account has been charged off.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

Hello, why can't I use my XXXX card online?
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I noticed some fraudulent activity and contacted Citibank about several XXXX transfers that were made from my checking account and savings account. An unknown perpetrator had gained access to my email account, changed my Citi online password ( attached : password change email screenshot ), and transferred approximately {$33000.00} out of my account to unknown parties. I also believe that the person or persons had cloned my phone and had access to information on it. 

Today I was informed that Citi reached a decision on XX/XX/XXXX and claimed that since these transactions were made using my online account that they will not be reimbursing me for the stolen money for the disputes ( reference numbers : XXXX, XXXX and XXXX ) Today XX/XX/XXXX I called Citi and spoke with a fraud representative that also confirmed the activity was fraud and that I should have been given my money back. I faxed a letter to Citi appealing their decision and providing more information to support my case. I also reopened the fraud dispute cases ( new reference numbers : XXXX, XXXX, XXXX ) I have had an extremely poor experience with Citibank 's handling of this whole matter. I have been a loyal customer for XXXX XXXX and when I need Citi 's protection from fraud, they are siding with the perpetrator and letting them have my hard-earned money. I have spoken to over 10 representatives at Citi, been transferred around numerous times with most of the reps having little to no information, and they simply pass me off to the next person. They will not let me speak with the person that actually investigated the case so I can provide information to them directly. It seems like I have no recourse, my money has been stolen and Citibank doesn't seem to care at all about its customers. If it was a small amount, I would just forget it but this is literally my entire checking and savings balance. I will be in an extremely difficult financial position without this money. Furthermore, it is easy to see that I would not, myself, XXXX away over {$30000.00} in one day on a whim. This is a clear case of fraud and Citibank is not doing anything to make it right when it is evident that a mistake was made in deciding this case. Please help.
Complaint sub-issue: Problem using a debit or ATM card

On XXXX XXXX there were unauthorized transactions made in 3 different locations.They were XXXX XXXX  New York , Ny XXXX, XXXX XXXX New York , Ny XXXX and XXXX XXXX XXXX New York XXXX XXXX I noticed my card was declined I called KeyBank customer service right away to see what they as the problem thats when I was told it was because of these charges.I then proceeded to tell them that was not me and they sent me to their fraud department and I opened a case and they said they would investigate.I still had my card with me so I was unsure how these transactions were made and so I waited for their response.I was then sent a letter by them that just said my case was closed and that I authorized these transactions.I immediately called and spoke to a fraud specialist and asked her what I could do to get my case reopened because I did not make these charges.She basically told me theres nothing I can do and I need to figure it out myself. I called them many times to get this problem solved and even went personally to the bank and they wouldnt help me figure something out or a way I can fight this.Now Im making a police report because they wont help me get back my {$2300.00} dollars that were stolen from me.
Complaint sub-issue: Problem during payment process

Discover continuously performs adverse actions against me the consumer. They have denied me access to my own credit and forced me to make a deposit for a secured card I did not want. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Discover has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance coupon payment online, my payment was accepted. Discover then reversed the payment after many days. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later XXXX XXXX reversed the charges and applied my security deposit of {$300.00} to my bill which I did not instruct them to do. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against XXXX XXXX for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance coupon payment or the original security contract deposited for bailment purposes.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.
Complaint sub-issue: Information is incorrect

On XX/XX/2019 the report says that I have a accident with property damage. 
That wasnt me, completely wrong person. 
It needs to be taken off of my report. 

Thanks -
Complaint sub-issue: Information belongs to someone else

on XX/XX/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$560.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$600.00}
Complaint sub-issue: Personal information incorrect

Equifax will not fix incorrect birthdate on credit report.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX, I attempted to use my Discover credit card to make a purchase with XXXX XXXX, and to my unpleasant surprise, my card was declined. I didnt overthink it since I figured it was some technical hiccup, so I used a different credit card and went about my day. Imagine my surprise when my card was declined again on XX/XX/XXXX at XXXX. It was at this point that I logged in to my account and noticed that {$0.00} were available of my {$21000.00} credit line with less than {$200.00} in charges currently on my account. 

On XX/XX/XXXX, I called the Discover support team to which I was met with no information and asked to call back the next day since the department I needed to speak with was unavailable. I called in again on XX/XX/XXXX and was informed that my account was closed and to look for information in the mail. According to the letter received from Discover, my account was closed due to a business decision without any details as to why and without any prior notice to allow for resolution of the supposed issue. 

According to the CARD Act of 2009, financial institutions such as Discover are required to provide a notice of account closure at least 14 days before the action being taken, which was not done, in addition to only providing a vague reason as to why my account was closed, leading me to believe that I am being unfairly targeted by Discover for questionable and seemingly unethical reasons. 

I feel that this closure was unfair, unjustified and without merit since I have followed the guidelines of the Cardmember Agreement and have never been late on payments in the 4+ years that I have been a customer of Discover.
Complaint sub-issue: Other problem

XXXX  XXXX XXXX and Citi Bank are instituting policies to restrict or refuse financial services to individuals or businesses involved with legal transactions relating to business loans or retail purchase of legal firearms and related items. These policies run counter to the US Constitution and current law. As a taxpayer who assisted in " bailing them out '' a few years ago and a current customer I find them choosing to " legislate '' and discriminate against my legal my rights problematic.
Complaint sub-issue: Debt is not mine

I was contacted by XXXX XXXX from XXXX XXXX, XXXX on XXXX/XXXX/XXXX demanding I pay a debt. I asked what debt? He replied an old XXXX debt. I told him I never had a XXXX account and demanded he send me validation. I received a letter from him dated XXXX/XXXX/XXXX stating I agreed to pay the debt on XXXX/XXXX/XXXX. I sent a response letter to him denying that the debt in question was mine and to send verification. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had received my dispute claiming unauthorized use of account. Today XXXX/XXXX/XXXX I receive XXXX letters from Jefferson Capital.1st dated XXXX/XXXX/XXXX stating they have received my dispute and are unable to resolve and request my SSN, Act #, description of error, dollar amount, date of suspected error, and copy of credit report. It 's been 4 months for them to respond! And then they are asking me for information that I was attempting to get from them for validation! The second letter I received the same day " introducing '' themselves as a debt collector and stating I have 30 days to dispute the debt. Is n't that what I 've been doing since the first phone call and letter four months ago?!
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX ) {$470.00}
Complaint sub-issue: Trouble with how payments are being handled

I applied for a XXXX Loan Forgiveness program through Fedloan Servicing in XX/XX/XXXX and was told I gave the wrong school ID number. I applied in XX/XX/XXXX and was told I did not sign the application. I contacted the Student Loan Ombudsman and reapplied for the loan. I was soon told I would be awarded the Income Driven Program [ working at a XXXX XXXX XXXX ] ; however, I would have to provide my tax return so they could re-calculate my payments. I told them my husband would not help in the repayment of my loans [ he is not a signatory on any of my loans ] and they should only use my income of {$XXXX}. I was paying approximately {$1100.00} but I soon learned my payments would increase to {$2000.00} per month, making it 66 % of my income! According to the Student Loan Income-Based Repayment [ IRB ] calculator states, I should not be charged over 10 % of my income and usually is repaid in 10 years. I can not afford this. My husband is retired and is on a fixed income. Furthermore, my loan amount is approximately {$170000.00} but with 120 payments at {$2000.00}, I will end up paying more than {$61000.00} more than that amount. I do not understand how this is a " LOAN FORGIVENESS '' Program when they are charging me more than {$61000.00} more than the loan.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX I had a dispute opened for {$48.00}. I never received any information from Discover about the status of the dispute via letter or email. I just recalled the dispute in XX/XX/XXXX and see that the dispute was found in the merchants favor. I received no contact from discover regarding this at all. The purchase was made through XXXX but the merchant was a different party XXXX. The items I purchased were not working on arrival but the merchant provided no way to return the items. The website has no return address and when I emailed the merchant multiple times they did not respond. After I opened the dispute the merchant eventually provided a returned address but no label or anything. I returned the items 2 weeks later and paid shipping out of pocket. No refund from the merchant. No communication from discover regarding the dispute. Additionally, I provided an extensive amount of proof to discover that was ignored. Apparently Discover disputes purchases made through third parties like XXXX through the third party and not directly with the merchant which means no objective investigation can actually be done into the validity of my dispute other than to them requesting a proof of authorization from XXXX. My dispute was immediately closed without any further investigation because they reported to XXXX that I was disputing the purchase on the basis of it being unauthorized, which is NOT what I disputed.After contracting XXXX twice they confirmed that the information discover gave them indicated the transaction in question was UNAUTHORIZED, I did not file the dispute as an unauthorized purchase and as a result of this I can no longer file a dispute with XXXX. As I have been told multiple times from different representatives at discover, they can not directly contact the merchant, it must be done through XXXX. So as a result of their incompetence I'm left with no remedy as the dispute was closed by discover and XXXX can not undo the banks decision. Ive tried multiple times to get the dispute reopened by discover as at least I would then be able to go through XXXX and they could contact the merchant and verify the validity of my dispute but that option is no longer open to me as paypal can't reopen the dispute only discover and they have refused to do so despite it being the fault of their incompetent dispute team.