Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/2018, I financed a bed and 2 chairs from XXXX XXXX through Acima Credit out of XXXX Utah. The initial agreement was to pay off the debt in 90 days. As my luck would have it, I was unable to pay off the debt in 90 days. Acima wanted to charge me 3 times the amount the furniture was worth. I wasn't having that. I have fought with them every month since then. We were able to set up a settlement amount and I was to receive a confirmation email regarding that within 48 hours. Never received the email. They tried on several occasions to withdraw money from my account before agreed date, overdrawing my account. With no confirmation email, I have no way to prove otherwise. I was supposed to make the final settlement payment the XXXX of XXXX and they tried to pull " the settlement payment '' out 2 weeks later. I contacted Acima through chat and screen shot the entire conversation. They are nailing me for an extra {$500.00} beyond the first settlement. Because I didn't get a confirmation email, I didn't have proof they were screwing me for more money. I demanded an email that same day. They said it would come to me in 24- 48 hours. It took 2 weeks and 5 phone calls and still no email even though I was told over and over that the email had been sent. I again resorted to chatting through the website again so I could screenshot the last agreement. They cut my chat off after I demanded that the confirmation email that was supposed to be sent to me 2 weeks ago be sent immediately. They told me that couldn't happen because it was all computer generated, but they had record that the others had been sent. They refused to send me those as well. I finally received the confirmation email on the XXXX stating the dates that they would pull money from my account for the final settlement AFTER I threatened to report them to the XXXX and CFPB. This company is greedy and dishonest. They don't send the emails and then suck you into a new settlement for more money. They should be shut down.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On the date of XX/XX/2022, a purchase for a total of {$840.00} was made on the website XXXX. The merchant contacted me to let me know the item I purchased was out of stock but never provided a refund. After days of waiting, a case was filed on XX/XX/2022 with Citibank for no merchandise being received. Citibank investigated and claims that the merchant shipped out the merchandise however they can not provide proof that this is the case. No tracking number has been provided to me or Citibank. Now Citibank claims the can not investigate any further, even though I have sent proof of my order status never having been updated to shipped and order still being processed.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX i received an email saying that my account had been closed due to inactivity. I contacted the company XXXX XXXX XXXX on XX/XX/XXXX to ask if this was a mistake and if it could be reversed. They told me that it was nothing they could do and they do not have to give any warning before closing out my account. I last used the card in XXXX of XXXX. I have not used it because typically it is my travel card but due to Covid i have not been able to travel anywhere.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint pertains to an inability to get information on the following : 1. Errors in employment screening that ( may ) lead to a job offer loss, 2. Refusal of consumer reporting company to provide further details about the source of their inaccurate data, 3. Refusal of consumer reporting company to correct. 

On XX/XX/2022 I received a job offer, which I accepted, to work for a company in a salaried/benefited position. That company secured the services of XXXX, run by Checkr , Inc., to provide them with pre-employment background screening on me. XXXX XXXX XXXX XXXX XXXX very familiar with the use of AI and other automated technologies in background checks and the massive amount of data errors that are prevalent in consumer data files with almost impossible ability to correct data errors. 

I perceive that their AI-driven background " verification '' process has confused my company, XXXX XXXX  XXXX XXXX with XXXX XXXX  XXXX XXXX. The only connection is the letter combination, " XXXX '' which leads me to believe that there was no actual human verification that occurred and instead, an automated system resulted in a mismatch and potential loss of a job. 

In this instance, I was told by XXXX customer service staff on XX/XX/2022 that their " verifiers '' connected me to an employer phone number they decided was more credible than the number I provided them with therefore, they called this other number to verify my employment. I have never heard of this company, never worked for them. XXXX said " well, our verifiers found this information from XXXX '' which from a best practices standard, any data on the internet is suspect and has to be verified by a human, not a bot. 

I requested they provide me with the source of information they " verified '' that shows the inaccurate employment connection, requested confirmation of internal controls that have audit traces connected to candidate 's background check portals to ensure no information was adulterated by staff or anyone else who had access to my candidate file, and requested a full copy of their background report. They put me on hold for a few minutes and said " someone from our legal department will call you ''. No call received. 

Specializing in what I do, I ran a complete and comprehensive background report on myself to see if there was any possibility of a credible, explainable connection between myself and this data they claimed was " verified ''. There was not. No phone numbers, no employment, no shared associations, nothing. 

The employment data I entered into their portal to run matches my comprehensive background check data. XXXX, run by Checkr , Inc., can not and has not cooperated in resolving this matter and in the meantime, I have approximatley 24 hours before my employment offer is rescinded based upon not being able to verify my employment history, through XXXX data reports.
Complaint sub-issue: Reporting company used your report improperly

I received a response to my previous complaint that the accounts listed on that complaint came back verified. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. FCRA states that information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. You have been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not deleted from my report. Please do not update or verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contracts and physical documentation to support the information that is being reported on my credit report via mail. Screenshots and statements will not suffice. Please send my actual signature on a contract as these accounts are not mine. I am in the process of planning a legal case, so I need specific answers to what was asked of you in this complaint.
Complaint sub-issue: Information belongs to someone else

This account doesnt belong to me. I have no knowledge of the account.
Complaint sub-issue: Debt was paid

I am filing a complaint against Synovus Bank because I do not owe them any money. The debt has been paid off ( XX/XX/XXXX ). This alleged debt was bundled in a loan package and sold to a debt collection company in Illinois. I am baffled about this purported debt ; the information provided was sketchy. Their XX/XX/XXXX letter did not provide in clear terms the date and amount of the loan, and a description thereof of the type of security for the loan that they sold to the company in Illinois.
Complaint sub-issue: Information belongs to someone else

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX   XXXX , and XXXX XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXX XXXX  XXXX on XX/XX/2019 which gave me several months of deferred payments.
Complaint sub-issue: Information belongs to someone else

After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Complaint sub-issue: Account information incorrect

i have contacted XXXX  on several different occasions to remove this information because i went to court twice and showed proof to the judge and he dismissed the case in my favor that i owed this apartment complex nothing now i have a pending lawsuit against them. XXXX  is the only credit company that has not remove this from my credit report stating that it is accurate.
Complaint sub-issue: Debt is not yours

This is a XXXX account now a collection account that now appears as a collection account for {$1200.00} Account Name EOS CCA. In XX/XX/2013 i was contacted by XXXX, my cell phone provider at the time. They informed me that my data which included my location was accessed multiple times during the month of XXXX 2013 including my location by an unknown third party that breached XXXX security system. They offered me free months of service which i denied. They agreed to close my account with a XXXX balance. i went on to obtain a new carrier. I began to received bills from XXXX, I attempted to resolve the bill, they stated they would fix and XXXX the balance and that never happened. I have disputed the account with the credit beurou and they continue to report this information as correct and accurate.
Complaint sub-issue: Information belongs to someone else

I was checking my credit score on Equifax last week and come to know that i have one collection which is un-paid since XXXX 2017 of XXXX XXXX XXXX. I am still in shocked to see this because i really do n't know who they are even i never visit them. I do n't have any type of medical issues. I am trying hard to maintain my credit since last 3 years that is the reason that i always getting good offers from different financial institutions but now i am loosing my credit points because of this un justify or fraudilant transaction of {$790.00}. Please look into this matter as your earliest. Your prompt attention in this respect will be highly appreciated .. Thanks.
Complaint sub-issue: Problem accessing account

PER THE CFPB ... I contacted PNC Bank ... was in touch and communications with PNC Bank - and was transferred to a DIFFERENT person who was assigned by PNC Bank Executive and got transferred back to the original person who cut me off - XXXX XXXX. SHE WENT DEAD QUIET AFTER I PROVIDED PROOF OF PNC BANK HARASSMENT When I sent her all the proof of from USPS and Caller ID. After she " claimed '' my address and telephone numbers are " not in PNC database ''. But it was. HAVE NOT HEARD FROM PNC SINCE! 

THE 2ND FOLLOW UP COMPLAINT WAS CLOSED AND MARKED AS DUPLICATE WHEN ADDITIONAL PROOF OF WAS ATTACHED. 

-- -- -- -- -- -- -- -- -- - Original Complaint from 2 previous complaints against PNC DEAR CFPB, AS YOU CAN SEE THE FRIVOLOUS CLAIM MADE BY PNC AND THEIR DENIAL THEY EVER COMMUNICATED WITH ME VIA PHONE OR USPS ... I HAVE NOW ELECTED TO PROVIDE MORE PROOF OF ... USPS MAIL. THE CASE " CLOSED '' PREMATURELY IN REFERENCE TO : CLOSED CASE MARKED : XXXX THEY REFUSE TO SETTLE FOR XXXX AND INSOMUCH - HERE IS ADDITIONAL PROOF OF. ATTACHED IS A USPS MAIL FROM PNC BANK WHICH WAS RECEIVED IN TODAY 'S MAIL! I AM NO LONGER GOING TO XXXX : RETURN TO ADDRESSEE / NO SUCH PERSON. RECEIVED 3 MORE CALLS TODAY AND YESTERDAY - ASKING FOR A MR. XXXX XXXX, A MISS XXXX XXXX, AND TODAY, MS. XXXX XXXX XXXX! ENOUGH ALREADY! STOP! ORIGINAL COMPLAINT : SINCE 2017 - THIS REPORT HAS BEEN FILED WITH FTC, FCC, ADA, FED RES, XXXX, AND THE LOCAL SHERIFF 'S OFFICE. PNC BANK CONSTANTLY MAILS VIA USPS MAIL TO A LAUNDRY LIST OF PEOPLE WHO ARE UNRELATED OR NEVER HAD RESIDED ( OR PREVIOUS OWNERS ) AS I AM THE 2ND HOME OWNER OF THIS PROPERTY. I HAVE REPETITIOUSLY MARKED THE USPS MAIL SENT BY PNC BANK MARKED AS " RETURN TO SENDER / NO SUCH ADDRESSEE '' IN ADDITION : PNC BANK CONSTANTLY CALLS ME ON THE PHONE ASKING FOR THOSE LAUNDRY LIST OF PEOPLE ( NAMES PROVIDED ON REQUEST ) ON MY LANDLINE TTY/TDD TELEPHONE, ON MY FEDERAL IP RELAY TELEPHONE NUMBER ( THAT DOES NOT TAKE INCOMING CALLS BUT MESSAGES CAN BE LEFT ON IT ), AND NOW MY OBAMA SMART PHONE. ALL THREE TELEPHONE NUMBERS. EVEN SENDING ME A TEXT AS WELL THAT IT IS IMPERATIVE TO CALL PNC AT XXX-XXX-XXXX PROBLEM? I AM NOT A PNC CUSTOMER, NEVER BANKED WITH PNC. PER THE SHERIFF 'S OFFICE, THE DEPUTY, DEPUTY 'S CAPTAIN, AND I WERE PRESENT AT THE PNC LOCAL BRANCH WHICH THAT BRANCH MANAGER SNAPPED AT ME FOR " STEALING PEOPLE 'S MAIL ''. NO THEY ARE MAILING IT TO ME. ALL THAT BRANCH MANAGER WOULD INFORM THE CAPTAIN AFTER LOOKING UP IN THE BANK SYSTEM THESE PEOPLE HAVE ACCOUNTS AND THEY OWE MONEY TO PNC BANK. HE WOULDN'T GO INTO DETAILS BECAUSE " I'M NOT THE ACCOUNT HOLDER ''. WE KNOW THAT, FOR SOME REASON, MY ADDRESS AND TELEPHONE NUMBER ( S ) ARE APPEARING IN THE SYSTEM. THE CAPTAIN ORDERED HIM TO DELETE ADDRESS AND DELETE MY INFO. HE SAID HE WILL DO IT RIGHT AWAY. ( OF NOTE - IT NEVER HAPPENED! ) I MAKE ALL ATTEMPTS TO RETURN THE CALL AND EVERY SINGLE TIME, PNC KEEPS TELLING ME THAT I DIALED THE WRONG NUMBER AND DISCONNECTS. I HAVE ATTACHED A PROOF OF SAMPLE AND PROOF I DO AND TRY EVERY EFFORT TO ALERT THEM.
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX XXXX has not reported my payment history since XX/XX/XXXX. I have contacted and can't get anyone to report monthly to credit bureau. This is affecting my credit due to me trying to get a house. I have also faxed a copy of my Driver license and Marriage certificate where I got married XX/XX/XXXX and my name was changed on my account last time I complained and now it is back to XXXX. My Legal name is XXXX XXXX now.
Complaint sub-issue: Need information about my balance/terms

Nelnet.com makes it very difficult to find the remaining term of your student loans. Logically, this information should be made available as part of the " Loan Details '' page or on the monthly account statement, but the only place you can find this information is to go to " Documents '' and " Payment Schedule ''. It 's almost like they do n't want borrowers to realize how long is left on their loans.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 I deposited my payroll check into my US bank checking account only to find out the next day there was a seven day hold placed on it. Every single time I attempted to deposit a paycheck into my US Bank checking account there has been a seven day hold on my entire paycheck. No partial availability of funds. This has lead to my rent being late for XXXX and previous months when I deposited my paycheck and a hold has been placed upon it. 
US Bank branches are closed to the public due to Covid-19 and I am unable to contact a banker to discuss this matter. My employer requires a voided check to sign up for direct deposit and I am unable to obtain a voided check because I do not order checks and I am unable to meet with a banker or branch manager due to the lobbies being closed due to Covid-19. 
This is not the only paycheck that was placed on a seven day hold. Every single paycheck I have had since I opened my account in XXXX of 2020 has had a seven day hold placed upon it. 
On XX/XX/XXXX ( when this hold for my current paycheck expires ) I will be closing this account and not depositing another dime into this checking account.
Complaint sub-issue: Information belongs to someone else

I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.
Complaint sub-issue: Account status incorrect

I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX  XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}
Complaint sub-issue: Information belongs to someone else

HAS FRAUDENTS ACCOUNTS AND COLLECTONS
Complaint sub-issue: Collected or attempted to collect exempt funds

They are XXXX  creditors involved. # 1 is XXXX XXXX XXXXXXXX which I have my mortgage with. I had a credit card with about over XXXX dollars.Four years ago I was and still a single, was struggling to pay and when they started raises the interest, which I stopped charging I called and got NO help he told me they were not going to lower the interest nor cut back on some of the amount. I didn't hear from them for sometime. they had wrote it off. So about maybe XXXX years ago I get this letter telling me my debt was put against my montage this attorney from Louisiana. They kept sending me letters and calling me all the time. I called back no one answered so I left a message You put it on my mortgage so leave me along,,, Oh by the way I didn't get the letter to go to Court in XXXX MS until after the fact No one delivery it to me to pier in court. An Attorney is trying to contact me but it is not the same one I think. Tried to settle with them with XXXX but they didn't respond. I will get the name of the Attorney and all info to contact them. 

# 2 Discover. I have had Discover for many years, after 3 years they started contacting me but in Mississippi I thought was the dead line. Well anyway, I owed them round XXXX they kept jacking up the limit. well I lost my job around 2019? and I couldn't. so I told the supervisor could you lower the amount delete interest and lower it and put my payments at XXXX then when I get on my feet I will pay more. She said XXXX isn't much and she laughed so I know I couldn't pay it. I think it was about last year I told them I said I want to work this out but I couldn't pay but XXXX. So they agreed and I paid it, but they also put the XXXX as a loss then now I paid XXXX they sent me a tax thing and I owe XXXX more for interest, After the already claimed the XXXX as a loss with the interest. this is not far. Like everybody XXXX hit and no one had any money. My son helped me keep a float. I DID GET XXXX  AT THE TIME BUT I AM FINE NOW BUT I AM XXXX  AND I HAVE VERY LITTLE FUNDS. I tried to talk with a Lawyer, but I am not important enough. I tried to speak with someone a Legal Services but that man ( do not remember who he was but he told me there was no one to help. I know I made some of the debts but the interest and maybe some of it, it is not mind. No one at discover or XXXX  XXXX XXXX said they wrote it off and they have nothing to do with it. My question is. If both of the creditors wort it off why are they still coming after me. They got credit It sounds like DOUBLE JEOPARDY.
Complaint sub-issue: Account status incorrect

I submitted for Equifax to remove this account from my credit report. However all they did was update and send me a copy of my credit report. This account is closed and has a zero balance please have them to remove this account from my report.
Complaint sub-issue: Account status incorrect

Contacted creditor at the beginning of the pandemic requesting to change payment date from the seventh to the XXXX. Months later I applied for a mortgage approval that I was approved for {$400000.00}, my lender said that my XXXX balance was a bit higher than expected to be and the car payment amount seem to be high which was reported to be over {$900.00} per month at that point. I called the creditor to fix the situation they said they can not do that. I filed a dispute and the creditor retaliated by putting five late payments on my report. Creditor refuses to stay in compliance with the governor XXXX XXXX executive order in the state of New Jersey that states no creditor or credit reporting agency should report delinquent late payments if the account was not in delinquent status prior to when the pandemic began until 120 days after the state of emergency ends which is XX/XX/2022. This creditor has cost me a mortgage denial of {$400000.00} plus {$3000.00} per month for six consecutive months for an extended stay hotel suite . I am asking the lender to contact there legal department and review the governors executive order in regards to credit reporting and the pandemic that is still in affect and remove the two late payments that they put on there. This is financial abuse to me and my family and I will seek civil action in regards to monetary and credit losses. My credit score went from excellent credit to fair credit which cost me numerous denials based on their error.