Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

On XX/XX/XXXX, US Bank responded to my previous complaint ( filed on XX/XX/XXXX ) with numerous false statements and still charged me interest fee ( pages 1 and 4 of attached enclosure ), even though they reversed my late fee. The discrepancies are as follows : -The letter stated that on XX/XX/XXXX, I spoke with a female representative in XXXX XXXX who was professional and reversed the late fee at my request. However, this is a false statement, as a spoke with a male representative named XXXX, who was rude and hung up on me before I could be transferred to a supervisor, who was a female. 
-The late fee was reversed when I contacted the US Bank XXXX XXXX XXXX via XXXX on XX/XX/XXXX and got a call from a representative named XXXX . He reversed the charges on my account. Why would I have contacted the Social Media Team on XX/XX/XXXX and filed a complaint with the CFPB if the person I spoke to on XX/XX/XXXX actually reversed the charges, as I requested? Why would XXXX have called me on XX/XX/XXXX to follow up and tell me that the charges were reversed if they had been reversed prior to our fist conversation? 
-The letter stated that I had not logged into the online banking platform since the statement period closed ( on XX/XX/XXXX ) ( page 5 of attached statement ) .The attached screenshot proves that I did indeed, log in on XX/XX/XXXX to make my payment, as I alleged in my original complaint. The history screenshot also displays the same sites that I logged into to make my payment on XX/XX/XXXX. Therefore, evidencing that this statement in the letter by US Bank is completely false. 

US Bank clearly did not research my complaint adequately and provided further false information in their never ending unfair and deceptive business practices.
Complaint sub-issue: Didn't receive enough information to verify debt

CLAIM XXXX In XXXX, I ( XXXX XXXX ) purchase a new roof from XXXX XXXX. They warrantied the roof for 20 years and exited the roofing business in XXXX. The roof had been leaking since their contractor completed the work. Every few months, XXXX XXXX had to send a subcontractor to fix a leak or skylight. 
In XX/XX/XXXX, I reported a new leak which was assessed by XXXX XXXX subcontractor . Then I discovered a new leak in a closet and a bathroom. These were later assessed and XXXX agreed to pay only {$2200.00}. They had me find my own contractor to twist his arms to accept the cost. I paid the contractor the money XXXX agreed to pay. Now they want me to sign a release saying that I agree to hold them harmless for anything that may be wrong with the roof in the future. I have filed a complained with XXXX XXXX, had many conversations with XXXX and talked with a Supervisor named XXXX, but with no success. They want me to sign this release : I, XXXX XXXX, in consideration of the sum of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( XXXX ), the receipt and sufficiency which is hereby acknowledged, paid to me in satisfaction of all claims that I may have against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX their successors, assigns, subsidiaries, affiliates, shareholders, officers, directors, employees, representatives, subcontractors, attorneys, agents, sureties, bonding companies, and any insurance companies providing liability coverage to any of the parties released hereby ( hereinafter the " Releases '' ), do hereby remise, release, and forever discharge the releasees of and from all claims, demands, actions, causes, of action, obligations, injuries, losses, cost of expenses... 
These are just the beginning of this one-sided release/contract. I do not feel confident in signing this release and made it known to XXXX XXXX XXXX XXXX, which referred me back to the very contractorXXXX I complained about. I spoke with XXXX XXXX Supervisor who said that they can not do anything as XXXX XXXX legal has to look at it. They told me XXXX XXXX would contact me on a specific date ( XX/XX/XXXX ) and I received no such call. I called XXXX XXXX XXXX back on XX/XX/XXXX and they were referring me back to Subcontractor XXXX. 
I am requesting that you please look into how this company is using its power to limit the rights it originally provide to this customer.
Complaint sub-issue: Card opened as result of identity theft or fraud

I was informed by my bank that someone had opened an online bill pay banking account and opened credit cards under my name in different states with my persona profile such as social, DOB and other personal information. I have also been denied credit card due to this identity fraud and I need all the credit bureaus to please be informed of this occurrence so that I can be better protected. I am an elderly and they have even taken my social security money and need help protecting myself against these thief 's. Thank you for your help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I opened a dispute with Citibank over a {$1000.00} charge by a merchant. The merchant did not provide the services paid for. I sent Citibank all the necessary evidence showing what was agreed on and paid for, and proof that such services were not received. Citibank marked the dispute resolved in merchant 's favor on XX/XX/XXXX, one day after they received the merchant 's response without proof of rebuttal, stating that the reason was a lack of credit slip showing that merchant agreed to credit me back. However I opened the dispute in the first place exactly because the merchant refused to communicate regarding a refund, which is a prerequisite for XXXX customer disputes. I called Citibank dispute department multiple times and multiple representatives there have told me various different things. For example, on XX/XX/XXXX, I was told that a referral had been submitted to the investigation team to consider re-opening the case and that'd I'd get a response within 5 - 7 days. On XX/XX/XXXX, with no response, I spoke to another representative who re-submitted the request and guaranteed a response within 24 - 48 hours. On XX/XX/XXXX, still with no response, I called again and they told me I'd get a response within 7 - 10 business days. On XX/XX/XXXX, still with no response, I called once again and representatives XXXX and XXXX both told me that they put in a request for manager callback for me and a dispute department manager would call me back within 24 hours. 24 hours later on XX/XX/XXXX, XXXX no response, I called Citi dispute back again and finally got a manager, XXXX, on the phone. Surprisingly she told me that the dispute case is still open ( contrary to what everyone else has said previously and what shows up on my Citi online account ), and that I have until XX/XX/XXXX to provide the credit slip or any additional evidence. She acknowledged that services paid for were not rendered, but reiterated that a credit slip was necessary for Citibank to continue the investigation. 

Citibank 's frequent delays and inability to actually investigate the case and issue a chargeback on the merchant while they all necessary evidence are unacceptable. Closing / stopping the dispute because of lack of credit slip is in itself contradictory to the purpose of credit card disputes. This is against Mastercard International Rule for " Goods or Services Not Provided '' under code XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Disputed Credit Card Transaction on XX/XX/XXXX - XXXX Hotel Reservation {$180.00} Case # XXXX XXXX. I booked a hotel reservation for one night at the XXXX XXXX XXXX XXXX in XXXX, Kentucky for the night of XX/XX/XXXX checking out on XX/XX/XXXX. My company, XXXX, then changed the date of the business travel to the following week for the night of XX/XX/XXXX checking out on XX/XX/XXXX about a week to ten days after the original booking. 
2. I contacted the booking hotel reservation service about a week later on XX/XX/XXXX in an attempt to revise the hotel reservation for the same hotel, same location to the XX/XX/XXXX which my company changed as soon as I received notice. This notice and contact was still at least a month to 6 weeks out from the hotel stay that I was attempting to book/change. 
3. I requested a change at that time on XX/XX/XXXX and when they declined to make the change to the new reservation date, I then requested a full refund speaking to both the call center representative as well as several supervisors to voice my displeasure, the poor customer service, and deceptive practices. 
4. I do not have a documentation to support the terms of the agreement. This was not provided by the vendor. I only received an email with the original reservation details.

5. Provided as available. 
6. I do not have a cancellation confirmation number since they declined during the phone conversation to reimburse me for the charge or change the reservation to the new date. 
7. I do not have a supporting documentation that a credit is due since they declined during the phone conversation to reimburse me for the charge or change the reservation to the new date as per my original and preferred request.
Complaint sub-issue: Deposits and withdrawals

I tried to open the Ally mobile app to manage my savings account. I had the wrong password saved on my phone and accidentally locked my account. I called Ally on Monday XX/XX/31 and they would not give me access to my account. They instead said their loss prevention team would call me. It has been two days and their loss prevention team has still not called me. I called them again and they said there was nothing they could do. I have an emergency and need access to my funds but they will not do anything to help me.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$3000.00}
Complaint sub-issue: Transaction was not authorized

I received an incoming international wire on XX/XX/2022 credited my Citibank Global Executive Banking checking account. The amount credited to my account was supposed to be for {$18000.00}, however {$18000.00} was the actual amount credited. I called Citibank and asked what the {$18.00} fee was for as my account was supposed to be fee-free ( see attachment 1 ). They said it was not Citibank who levied the fee ; that it must have been deducted at the outgoing bank. I called the client who made the payment and they sent back their transmittal advice showing that the full amount of {$18000.00} was indeed debited from their account. 

Unsure of what happened, I called Citibank again on XX/XX/2022. I spoke to a woman named XXXX who informed me that this was actually an {$18.00} XXXX ( XXXX XXXX XXXX XXXX ) commission. She explained that certain banks negotiate this commission between themselves and that it is not a 'fee ' as my account is fee-free. I asked which bank benefited from/received this commission and she replied that it would have been Citibank. I stated that it then acts like and behaves like a fee. She insisted it was not a fee but rather a commission. 

I asked if I had been informed of this Bank to Bank commission and she said that I would not have been made aware of this. I asked if there was a list of XXXX commission banks and she responded that there was not. I asked how I could avoid this fee in the future and she said that there was no way of knowing. I was unhappy that while this account was ostensibly fee-free they had assessed an {$18.00} " fee '' disguised as a Bank to Bank Commission and that it could potentially occur again in the future. She said that I would not be able to make a case to have this commission refunded and confirmed that I may be subject to this type of commission in the future. 

She opened up an investigation for me, ID # XXXX the same day. I received the confirmation of the case in my securing messaging ( see attachment 2 ), but then nothing thereafter. 

This XXXX commission appears to be a way for banks to apply a fee on otherwise fee-free accounts. Worst of all, there is no way to know in advance that this fee exists or under which circumstances it will be assessed.
Complaint sub-issue: Received bad information about your loan

AES - American Education Services The federal loans I received in college were set up by the universities ( XXXX ) from XXXX. I am not sure how the paperwork was done or what I signed I was given no help by my parents at the time. After graduating and deferment was over, I was told I had to consolidate my loans to lock in a good interest rate in 2006. I was asked how much I could afford by AES, told it was my only option. I was locked into a predatory loan with astronomical rates and then they tried to steal away another 1 % percent that I fought and won over when they messed up the consolidation payment due times. 

Over the years I 've paid this loan of {$26000.00} - never late. I now see in my account it says I 've paid over {$40000.00} in principal and {$16000.00} in interest. These numbers do n't add up, in reality, I 've paid close to {$30000.00} out of pocket with {$15000.00} in principal still due and around {$10000.00} in interest due if I run out my full term. In total I will pay almost double over the life of the loan - hardly the great deal I was sold on in my XXXX. 

I would like to blow the whistle on these deceptive banking practices and would like you to look into what is going on here. 

I have asked to speak to someone at AES about a payment modification due to the predatory nature of the loans setup by both the school and them the lender, they said they have no modification department or anyone to talk to about this. They can not explain why the numbers do n't add up other than it is n't explained correctly on their website. 

Why this is predatory - As far as I knew I was borrowing from a State agency funded by the fed- I thought this was a non-profit school program with my best interests in mind - not a company profiting ( like shooting fish in a barrel ) from un-knowing borrowers. 

I 've tried refinancing outside of AES, and no company could help me refinance, as everyone I called, would only refinance private student loans ; and this is considered as federal loans through a private company. 

There are literally thousands of complaints online about this company.
Complaint sub-issue: Problem using a debit or ATM card

Fraudulent online transactions occurred to our checking account by use of our debit card number # XXXX : To : XXXX XXXX Date : XXXX/XXXX/2022 Amount : {$1900.00} Time : XXXX To : XXXX XXXX Date XXXX/XXXX/2022 Amount : {$3.00} Time : XXXX I filed a claim for fraudulent transactions XX/XX/2022. XXXX XXXX amount refunded by Citibank. XXXX XXXX transaction claim has been appealed twice and denied twice.
Complaint sub-issue: Problem with customer service

I have submitted applications for XXXX  Loan forgiveness as a XXXX  and XXXX XXXX in a XXXX XXXX XXXX  working for 6 years. I have been denied 4 times and given conflicting and false reasons for the denials. 
XX/XX/XXXX- Denied for missing information from CAO. I have a copy of my submitted application and all information is present. Called and representative could not give me information and what was missing as their retrieved copy showed all information being present. 

XX/XX/XXXX-Denied for exact same reason as before and again not helped when called. 

XX/XX/XXXX-Denied because my XXXX  was not listed on the low-income directory until the XX/XX/XXXX XXXX   year. I call and representative tells me to reapply at the end of the XXXX  year on XX/XX/XXXX. 

XX/XX/XXXX-Denied because missing CAO employment dates despite my copy of the submitted application having the dates and information all present. Plus denied because my XXXX  is not listed on the low-income directory! I've checked the directory which shows my XXXX as well as this information being the exact opposite of the last denial reasoning.

I don't know what to do. I make copies of my applications, I call, and email XXXX XXXX. The representatives pull up my application and are always at a loss as to why I was denied based on missing information. The issue regarding my XXXX  not being listed is simply beyond me. I need help, please.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered airline tickets online, and only after paying for them, upon receiving my online confirmation, I noticed that it was not what I agreed to ( in that, they added an additional stop to the trip ). 

I promptly called up the online company ( from where I had purchased tickets ) and asked for a refund. The rep. told me that they would charge me a cancellation fee. After some back and forth I requested that the charge be cancelled, both on the phone and via email. 

I then called up my credit card company & tried to dispute the charge, but the charge had not been posted yet, so they said to call back only after the charge was on the bill. I asked the CC company rep. to annotate the incident. 


Some of the charges are still in dispute, however one charge was upheld because the credit card company failed to address it. Meaning it was overlooked despite me addressing it. 

What happened was, upon receiving the initial notice saying that i failed to address some charges, I called up the CC company, and after speaking to a disputes rep. i was told that they would apply the rebuttal / reply to all the charges. I even offered to make out separate emails ( basically i had to copy and paste everything 8 times, which i offered to do -- the CC dispute rep. said not to worry about it that she would make the reviewing body aware of this ). They applied the email to all the other charges but one. 


After recently seeing the charge on my bill, i inquired about it and the CC company says that i did not include it in a separate / individual email. I went forth and explained everything to them, they said that there is simply nothing that they could do at this point. 

It's for roughly {$600.00} is there anything that I can do?
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The guy claim his name is XXXX XXXX and he work for a debt collection agency for a online payday loans company. This man has call my job since the first week in XXXX. He will call my job several times in one day. I ask him to stop calling my job and he still does. I told him verbally and by e-mail. I ask him for more information on this loan who I got it through but he will not provide it for me. All he keep saying is a online payday loan. I ask him to stop calling my phone but he still calls. XXXX is demanding I pay him money by putting it on a gift card from XXXX or I tune card. I have had the police to tell him to stop calling and he still calls. My boss has told him I can not take personal calls and he still calls and my boss had the police to talk to him. This man is making me ill. I am not sure if this is his name because of the foreign accent. I can not get him to stop calling my job. I don't owe this debt as far as I no. When XXXX call the job and I refuse to talk to him some kind of way he will have all the phones ringing in the office all at the same time. I no he is a scammer but I don't no how to keep him from calling my job. I have the number block from my phone. I have also got in contact with a debt collection agency for online payday loan debts and they told me it was a scam. They do not do money on a gift card.
Complaint sub-issue: Account status incorrect

XXXX XXXX is showing 1 past due payment amount forXX/XX/2018. Payment was not late from me but was posted late from mortgage company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.
Complaint sub-issue: Information belongs to someone else

I HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.
Complaint sub-issue: Received bad information about your loan

I have been dealing with Discover Student Loans since the took over the XXXX XXXX Student Loans. I have had repeated trouble with my accounts. Often they do not reflect the payments made, and I am reported to the credit agencies. At one point I had to send a cease and desist letter to keep them from calling me 10 plus time per day while I was at work. That was in XX/XX/XXXX.
Then in XX/XX/XXXX I called Discover to ask the status of my accounts as I was selling my home and trying to buy another home. I was told all was good, but he had to look to why he saw I was current, but I was seeing online that my accounts were reporting late. I was told by the Discover agent, that I was good. I also informed that that I would be paying off the remaining loans over the next few months as we sell our home. Then on XX/XX/XXXX XX/XX/XXXX I got an alert from XXXX and Transunion that Discover was reporting me as delinquent. I called Discover on XX/XX/XXXX to try and find our what was going on. They told me I would get calls back, and emails they never came. Eventually on XX/XX/XXXX I got XXXX  and Discover Student Loans on a three way call and they finally admitted in that call to XXXX that I was current, and that I was current when I was reported as delinquent.
Now as of today XX/XX/XXXX I still can not tell the status of my loans, or when payments are due or if they are. The website has me listed as in deferment for school, but I have been in XXXX XXXX at XXXX XXXX  University since XX/XX/XXXX. This would mean I should have been in deferment for the last 13 months. With that fact, then I am not required to make a payment, thus I could not be late as they reported me.
The bottom line is that I can not get information about my accounts, and this is effecting my credit. I am unable to callas they tell me to write them, when I send the emails via the secure server I get responses that tell me to call, then on the call they tell me I must write. How can I get information? How can a company be allowed to report negative when they do not report all payments and positives? How can a company who 's own web site states, " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. " ( https : //www.discoverstudentloans.com/XXXX  XX/XX/XXXX ) On XX/XX/XXXX my accounts all showed on the Discover Student Loan webpage as current, yet I was reported as late after this date. See Attached I and my family is at a lose as we were about to get a home now we have nothing, as Discover reported negative when I was not negative. I know I am not perfect and my credit shows that, but when a company is not giving the consumer or the credit agencies accurate information in a timely manor, how can they be trusted at all?