Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

A CashApp account was opened under my name. I received a debit card that I did not sign up for. I tried to contact CashApp online by using the support link. Since I do not have an account with them, I can not contact them. I sent them a message on their official XXXX in regards to this fraudulent account. I have never been contacted. Today I received another debit card with another number.
Complaint sub-issue: Fee problem

US Bank fails to give their customers to opportunity to make their accounts whole in a reasonable timeframe. When the customer does attempt to do so, you are punished and bombarded with fees. Because of my work schedule, I do n't have the luxury of going to branch at a moment 's notice. 

Now this happened after another issue that was a BANK ERROR. I attempted to use my card about a two months ago now, but it was declined. When I called US Bank, they told me they closed the card because I should have a new card by now. I was told they would order one for me and expedite it, but I needed to go to the branch. I used the last bit of time off and went to the branch where I ordered the new card o be rushed to the branch. About a month ago I called because I still only had my temporary ATM card and no new card. I was advised it was ordered and would be at the branch shortly ( you can pull that call ). Almost a week and a half later, it showed up at my house. 

Meanwhile, what US Bank failed to tell us is that we can not make deposits with a temporary card. I understand why, but how am I suppose to make my account whole if an unexpected expense is debited? The answer is " I CA N'T ''. So I was hit with fees because US Bank failed provide me with correct information. If you pull the calls, I was advised that I am essentially powerless in that situation and the bank may return the fees as a courtesy. In this instance they did. 


There was a gas transaction that, to my surprise, was debited out of my account on XX/XX/XXXX. Unfortunately that single transaction forced my account in the red by - {$33.00}. After work on XX/XX/XXXX, I have the receipts from the ATM to show, I deposited cash into my account. Again, all on the same day I was notified by US Bank that I had fees. As I deposited first {$180.00}, my receipt had a much lower available balance. I checked my account and I was hit with THREE FEES totalling over {$100.00}. ARE YOU KIDDING ME? One transaction should not warrant three fees. If I deposit cash into my account the same day it goes negative, there should be no fees to process as I did my due diligence to make it whole within a reasonable time. US BANK does not give its customers this. They do not care what financial situation there customers are in because greed, NOT SERVICE, is their first priority. 

You fail your customers and you failed me. I made my account whole the SAME DAY it went negative and despite my cash deposit being put into the account the SAME DAY, US Bank rather charge fees so they can put extra money in their pocket. I feel like I am being treated unfairly and US BANK, rather then help their customers, slams the door on our faces.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021, I wrote a check to myself from a credit union account to deposit into my Citibank checking account, and I deposited it that day. I do this frequently as it's the simplest way to transfer funds from home during a pandemic. On this occasion however the check bounced because an automatic payment hit the same day for more than I anticipated. I was {$20.00} short, and the more than {$5000.00} in my saving account at the credit union was not linked, so it didn't help. Okay, my bad. Citibank reversed the deposit and charged me {$29.00}. Fine. THEN, on XXXX XXXX I wrote another check from my credit union to cover the bounced check and a bit more. Suddenly I can't sign in to my Citibank account, I can't get cash from an ATM, and it takes several calls to Citibank before I am finally told that they suspected fraud on my account. They have frozen the account for 2 weeks. I can't even SEE the funds I have in the bank, much less access them. What's more, the second check has cleared my credit union account and funds are almost certainly in my Citi account now. I don't believe that Citibank has any reason to believe I bounced a check on purpose, and the amounts are relatively low, under $ XXXX. I am not a criminal and they have no reason to suspect I am. Aside from my several calls to them, Citibank has not notified me that the account was frozen or why, nor could they explain why I can't even sign into my account. If this is legal, it shouldn't be. I plan to change banks as soon as this is cleared up, but I also want to go on record objecting to this practice as an abuse of power, unnecessarily punitive, bad business practice and extremely inconvenient to a customer who has been with them for many years. I can understand Citi freezing the second deposit until it has fully cleared. That seems fair. Freezing me out of my checking account including other funds I need should be illegal or only used when there is strong evidence of a crime. In this case there is none.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My credit card with US Bank was suspended because of suspicious charges. Before being notified, I noticed the- charges and attempted to contact bank on XX/XX/21. I could not be connected to fraud specialist at the bank. I sat on hold for XXXX minutes+. I called daily several times a day until XX/XX/21. I waited for 30 minutes+ and was never connected to a person. I went to the physical bank in XXXX XXXX, il and talked to them there. I was told that I had to call fraud prevention to remedy my problem. I tried calling again.and was never connected to a person. This is the XXXX time my credit card has been hacked this bank. I fear that there may larger data breaches happening that put consumers at risk. Also, I am not sure how to try to remedy this situation if there is no way to contact US Bank. Any help would be greatly appreciated! Thank you.
Complaint sub-issue: Unable to open an account

I want into my Synovus Bank located in XXXX Georgia and was told by 4 workers that they didnt have time to open my a savings account to go along with my check account that I already have. I was refused service by 4 different people. I watched every XXXX customer come in and be served with a smile. But I had to be told come back and ask for a manager
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about  this on XXXX. There is numerous of people they have done this too and have wronged.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Credit Limit {$400.00} Pay Status Paid, Closed ; in 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
Complaint sub-issue: Was not notified of investigation status or results

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act, XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, Equifax and XXXX from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Complaint sub-issue: Account information incorrect

While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : 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: Information belongs to someone else

The below are a result of ID theft as reported several times before : XXXX XXXX Account Number XXXX The following inquiries have not been authorized or in any way done by my person : XXXX/XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Received bad information about your loan

This is regarding the Public Service Loan Forgiveness Program. I 've been with the same qualifying XXXX   employer since XXXX, have been in a qualifying repayment plan for the last 3 years after finding out that the plan I was in was not a qualifying plan, and have made payments on time each month. After switching to the XXXX XXXX as directed under the program for an assessment of my eligibility for the program earlier this year ( XXXX XXXX ), I  was just informed on XXXX XXXX, XXXX that none of my payments since switching to the qualifying repayment plan were qualifying payments. When I spoke to a representative from XXXX XXXX, she said that my prior loan server had me in a plan with loan terms that were not qualifying. Nowhere in the information posted on the Department of Education 's website about the program does it discuss the qualifications of a plan with respect to loan terms. I stated this to the XXXX XXXX representative who noted that there are a lot of details about the qualifying loans that are not posted. As a result, I do not know if the assessment of my payments is accurate to make the non-qualified payment determination. It 's also unclear to my while my previous loan servicer, XXXX XXXX, put me in a repayment plan with terms that do not qualify.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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: Their investigation did not fix an error on your report

I have recently filed a dispute with the credit bureaus in regards to a company by the name XXXX XXXX, XXXX. I have no signed contracts or agreements with this company. 
XXXX and Equifax have both deem this account as verified. XXXX and Equifax has not provided the requested documents supporting their their decision, which leads me to believe that their investigation was improper and incomplete.
Complaint sub-issue: Problem with customer service

The issue at hand is one of timely response of the lender to borrowers inquiry. A response from the lender is still outstanding as of this complaint submission. In summary, the borrower began graduate studies during the autumn of XX/XX/XXXX. The enrollment triggered a deferment effective XX/XX/XXXX on borrowers student loans which were secured to fund XXXX education. Borrower contacted servicer on XX/XX/XXXX to request removal of deferment in order to continue progress towards the 120 qualified payments required for Public Service Loan Forgiveness. Borrower continued to submit full and timely monthly loan payments. Deferment was removed with retro effective date XX/XX/XXXX and loans were returned to repayment status. Borrower then submitted an Employment Certification Form on XX/XX/XXXX to ensure continued compliance with XXXX guidelines and accuracy of qualified payment tracking. Servicer responded on XX/XX/XXXX certifying 7 payments for the period XX/XX/XXXX XX/XX/XXXX. Borrower believes the correct number of qualified payments to be 11 for the period XX/XX/XXXX - XX/XX/XXXX, and that the payments shown in Table 1 were excluded as qualified payments. Borrower contacted Servicer on XX/XX/XXXX to initiate review of the 4 payments shown in Table 1 and was told to allow 90 days in order for the completion of the review.

Per page 37 of the document titled CFPB XXXX XXXX XXXX XXXX, the servicer must respond to borrower inquiries within a reasonable time period which is further specified to be within 30 days. The servicer has not responded in over 90 days to an inquiry involving a recent time period, a small number of payments, and limited analysis of policy and procedures. Further, the borrower contacted the servicer on XX/XX/XXXX to check status on the review and to inform the servicer that a response was expected within 90 days of XX/XX/XXXX. The borrower requests the assistance of the Consumer Financial Protection Bureau towards a response from the servicer. 

Table 1 : Payments in Question Date of Payment - Amount - Due Date of Payment - Number of Days from Due Date to Date of Payment XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 13 XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 6 XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 2 XX/XX/XXXX - $ XXXX - XX/XX/XXXX - 0 *New payment amount based on Income-Driven Repayment plan recertification Table 2 : Criteria for Qualifying Payments A payment is considered as qualified if it is made : After XX/XX/XXXX While employed full-time at a qualifying employer Under a qualifying repayment plan On-time ( no later than 15 days after the scheduled due date ) Each month, satisfying the installment amount due for that month in full When the loan is being actively billed, and is not in a default status
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I tried to go online to report misinformation on my credit report to Equifax. There is a collection reporting on my report twice for the same account. I had it disputed and removed last month but it appeared again on my report this month. Trying to dispute it online for the second time it said I was locked out on my account and had to call them. After getting completely frustrated by the automated system I was finally able to get someone on the phone. The representative took all of my sensitive information then asked me 2 impossible questions to answer as there are multiple answers to both. This then got me locked out of my account. Now they expect me to mail more sensitive information to prove who I am because their system and employees can't get into the account. This is a ridiculous practice as they couldn't get me unlocked or back to an online status to be able to file online! Yet I'm expected to give even more information for them to XXXX up me account! These people are allowed to have access to people 's credit reporting?? They can't even help you over the phone or online! Expect you to keep jumping through hoops to prove your identity over questions with impossible answers because there are possible multiple responses!!! Get it wrong and now you are out until you do more!! What good is it to have a call center to help then!? This is UNBELIEVEABLE to me!!!!!! Online it gives you options to choose from but over the phone it's guess the answer and hope you're right or get locked out of your own account until you provide all this paper information and pay for the postage while you're at it?! There has to be some sort of standard because I had the same issue with XXXX and XXXX  yet it was not this difficult to clear up!!! Nor have I had these issues getting into my own file!!
Complaint sub-issue: Debt was paid

On XX/XX/2019, I was sent to collection by XXXX for a debt of {$59.00} to IC Systems for an outstanding phone bill charge. I told them I paid my last phone bill on XX/XX/XXXX to XXXX after leaving the company and I returned my lease device XX/XX/XXXX via XXXX so I didnt owe anything. They placed me on hold and called XXXX directly. They came back and told me it was for a early termination fee, but I told the female rep that my contract doesnt say I would owe a early termination fee, I would just have to pay the phone off in full which I did plus my last bill which was due XX/XX/XXXX. 

She placed me on another hold and told me it wasnt a late fee but another phone bill. She told me we could settle for {$47.00} that day, so I paid the amount. I kept reiterating to the female rep that the charges were false, but I paid because I didnt want the false reporting to go to all 3 credit bureaus. 

XXXX recently reimbursed me {$160.00} for the trouble they caused me. I spoke with XXXX XXXX from the Executive and Regulatory Services department of XXXX who granted the reimbursement after receiving my complaint from my states attorney generals office.
Complaint sub-issue: Debt is not yours

I sent a cease and desist letter to XXXX XXXX XXXX and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX XXXX they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done
Complaint sub-issue: Account information incorrect

I put in a dispute with Equifax Credit Reporting Agency on my account that was in collections with XXXX XXXX XXXX in the amount of XXXX dollars on XX/XX/2019. Prior to that on XX/XX/2019, the equipment was returned in value of {$87.00} in collection debt upon receipt. On XX/XX/2019, I spoke to a representative from XXXX to get my current account status. He confirmed my account was XXXX and on XX/XX/2019 they would be reporting to the collection agencies as they do weekly to update the status of the account. On XX/XX/XXXX, I called again to confirm my account status after speaking to Equifax and noticing they did not change or update my account on XX/XX/2019 or delete the account even after I submitted a dispute on XX/XX/2019. I wanted to know if XXXX reported for deletion as I was told by them, on XX/XX/2019. An agent fro XXXX confirmed that my account balance was XXXX and on XX/XX/2019, they reported to all the credit agencies for deletion on my account that was in collections. After speaking to an Equifax representative, I was refused of any information regarding my dispute. I was told ; in order for them to remove the debt and update my credit report I needed to " authenticate '' my identity by sending in my ID and social security card because the information I gave them wasn't enough. I stated my correct information to access my credit report but was told they still needed for me to send in my ID and social security card and if not then they would not update the status of my account even after the collection agency requested for the account to be deleted on XX/XX/2019.