Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Date Purchased - XX/XX/2018. 
Amount- {$570.00} I was scammed by XXXX XXXX, not only was the essay completely wrong, but it was given to me AFTER the due date of the assignment. This completely defeats the purpose of this 'service '. I also told them to cancel the order multiple times in advance and I assumed they stopped all work on it yet they continued all work on it. This is totally unfair and I'm the victim here. One look at their reviews online and you could see that as well. Besides the fake reviews they've planted online, there are many XXXX threads of people who've been scammed. I attached the emails and it should be so obvious that I was the victim just by going over them. Also, when sending the invoice i was promised a delivery by XXXX XXXX on XX/XX/2018. It was delivered after this deadline and was also incorrect. If nothing else, at least see that they violated the billing info contract. 
The merchant did not allow me to refund. I requested a refund multiple times well before the deadline. They gave me blanket responses such as " We'll escalate your concern to one of our admins who has the authority to issue a refund and will get back to you as soon '' when I told them to cancel and refund all work. They kept working without telling me. In addition to this they promised me that " The paper will be done and delivered by your deadline. " which is again false. As you may know, long projects have deadlines. They failed to meet this and also provided sub par work that I DID NOT EVEN USE. That's why this is an invalid purchase. I don't know what else I can provide but I'm struggling to find a reason as to why no one can see that I got scammed. 
Discover and XXXX both were useless, talking about how the charge is valid. Well of course it's authorized by me, but it was not what I ordered nor did it come on time. How is it valid in that regard? Posting on CFPB is my last resort and I can only pray for the best.
Complaint sub-issue: Information belongs to someone else

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed my Equifax credit report and see XXXX XXXX XXXX hit my report with XXXX hard inquiries on XX/XX/XXXX and XX/XX/XXXX. I have not in any way authorized XXXX XXXX XXXX to perform any services related to buying a car or servicing me in any way since XX/XX/XXXX. I bought a XXXX in XX/XX/XXXX and have not shopped for cars since. These credit inquiries are 100 % unauthorized and Equifax will not remove them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account XXXX, XXXX XXXX  account number XXXX has violated my rights.

15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C.1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt was result of identity theft

I sent letters to Equifax Credit Bureau on the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : Medical ) XXXXBalance : {$170.00} ( Original Creditor : Medical ) XXXXBalance : {$140.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

The charge is for XXXX equipment that was returned in a box with a tracking number that was provided by comcast. I have talked several times explaining this to them. I think it is settled and they put it back on my credit report again
Complaint sub-issue: Problem with balance transfer

On XX/XX/2020 and XX/XX/2020 I requested balance transfers for two other accounts I was planning to pay off using a balance transfer. The XX/XX/2020 payment did not arrive at the financial institution until XX/XX/2020 and the other payment has still not arrived ( as of XX/XX/2020 ). As a result of the slow process I was concerned about being charged late fees on both accounts so I paid the minimum payment but as a result of the late balance transfer I ended up being charged interest on those accounts. 

On XX/XX/2020 I called PnC who told me it could take as long as 23 days to process a balance transfer. I have done many other transfers before and never had it take 23 days. I would not have used this service had I known it would take 23 days since that is a headache. Given COVID19 I also worry that my payment was delayed processing since they are likely short staffed at all the institutions. I called PNC asking for them to waive the fee on the BT and they told me they could not do that and I should expect the payment to take as long as 23 days. 

In my opinion, this is poor service given the circumstances. I would like both of my balance transfer fees to be removed since I've had to call both of the other institutions and used my " one time fee waiver '' as a result of PNC 's slow process.
Complaint sub-issue: Account information incorrect

THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. THIS ACCOUNT IS A JOINT ACCOUNT, AND MY HUSBAND SINCE THE FIRST DISPUTE, HE SEND THE CERTIFIED LETTER WITH THIS INFORMATION, AND THEY DELETED FROM HIS CREDIT REPORT AND ON MY CREDIT REPORT, THEY STILL CHANGING THE ACCOUNT STATUS FROM OPEN TO CLOSED TO OPEN ATTACHED I INCLUDE THE CREDIT REPORT COPY AND THE CERTIFIED LETTER NUMBER RECEIPT.
Complaint sub-issue: Their investigation did not fix an error on your report

I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts. 
Account Name : XXXX Account Number:XXXX Errors Found : This account only shows a " Date of last activity '' on the XXXX  report  but not one on XXXX and this account was verified as accurate which clearly putting false and incorrect statement on my credit report which a direct violation of the FCRA and my consumer rights and I know its is no possible way the accounts were opened on 2 different days. 
Action : Please Delete Immediately Account Name : XXXX XXXX Account Number : XXXX Errors Found : The Date of the last activity on this account is incorrect Action : Please Delete Immediately, so how were these items verified and show as being accurate when there clearly not this is clearly a violation of the FCRA and my consumer rights Account Name : XXXX XXXX XXXX  Account Number : XXXX This account has the wrong Date of Last Activity on it and The balance on this account wrong, this account was added on to my credit report with out my written consent and that's clearly a violation of the FCRA and my consumer rights Account Name : XXXX XXXX Account # XXXX Errors : This account is showing the wrong date of last activity on the account and the balance still reporting my credit report, and this account was added on the my credit file without my permission or written consent and I know thats a violation of the FCRA and my Consumer rights, and to top it off this was verified as accurate and I'm not seeing how that is remotely possible if all 3 credit bureaus say something different. 


I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent previously I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Complaint sub-issue: Company closed your account

Discover sent me a random email on XX/XX/2022 saying they had closed my account after performing a random credit check on me. I have never been late with Discover or any other credit card company for that matter. I have a 700+ credit score. They are hurting my credit and giving me no recourse. I didn't even have a balance with them. Now I have a closed account on my credit report which reduces my score and gives me a lower credit history average. In my eyes this is predatory. I have always payed Discover on time and now they just drop me. They invited me to apply in the first place and take advantage of their APR offer. Seems to me they dropped me because I haven't used their card recently and they want to allocate that credit elsewhere. Apparently they haven't made enough money off me.
Complaint sub-issue: Fee problem

Dear CFPB - I want to report TCF Bank Illinois as an institution who practices maximize the amount of fees they can charge their customers. In the agreement I signed when I first opened my checking account, I was told I have until XXXX XXXX CST to bring my account to a positive balance each business day to avoid overdraft fees. However, each night when the bank does it's nightly processing it often processes transactions that have not appeared on your account pending or otherwise and then dates them as transactions from the previous business day. Therefore, you do not have a chance to bring your account positive because this processing is done after XXXX XXXX  CST. I have spoken with my local branch manager about this practice and they defend the bank by saying that they have " no way of knowing '' what transactions are going to be processed overnight. 

Since XXXX of 2018, I have been charged {$2400.00} in fees. Both my husband and myself direct deposit our payroll checks into this account. I refer to my mobile banking app multiple times a day to make sure I am up to date on the transactions coming out of my account and funds available. However, TCF bank 's lack of transparency about all pending transactions leads to exorbitant fees. 

I would appreciate your attention to this matter. 

Sincerely, XXXX XXXX
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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

My personal information has been leaked in the Equifax data breach, according to their website. It is unacceptable that a company of this size does not have proper security in place to protect consumers. Seeing in the news that their executives sold stock in the company before announcing the breach shows their real intentions are rooted merely in profit and they do n't care about consumers. This has put millions of people at risk of identity theft, including myself. 

This company should not be allowed to operate if they ca n't secure the data of consumers. Unacceptable.
Complaint sub-issue: Overdrafts and overdraft fees

I called KeyBank to get overdraft fees resolved after not overdrafting for almost a year next month and was refused I have a great relationship with the bank I get direct deposits every two weeks and I spoke to a person named XXXX that refused and I got a reference number XXXX and her employee ID is XXXX I was hoping that we could resolve this issue I was only asking for 50 % of the overdraft fees to be recovered due to personal hardships and bills I overdrafted and asked for help and was refused even after saying that I would make a complaint no resolution was made.
Complaint sub-issue: Their investigation did not fix an error on your report

THE COLLECTION AGENCY AGREED TO DELETE THE COLLECTION ACCOUNTS THAT I PAID BUT THEY ARE STILL APPEARING ON MY FILE
Complaint sub-issue: Card was charged for something you did not purchase with the card

There were several fraud transactions occurring through my credit card for which i have never made a purchase since XXXX XXXX. These transactions were happening without any XXXX  however keep on getting messages that transaction has been made for the same. This is being reported to CitiBank and Card was blocked immediately due to which no major mishap occurred. Although hackers are keep on attempting to make a transaction but failed due to immediate blocking of card. 

So far around 6 transactions of amount Rs. XXXX were done for which amount is reflecting in my credit account and also several failed attempt for around Rs XXXX was made post blocking of card. Also attempt of transaction were made in another currencies other than XXXX.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/201XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX we purchased a trip to XXXX all-inclusive through XXXX we charged {$2400.00} on our LL Bean Mastercard credit card ending in XXXX. The trip was for XX/XX/XXXX thru XX/XX/XXXX. XXXX came and the pandemic had just started to hit, we called XXXX on XX/XX/XXXX about cancelling and they told us we would lose our money if we cancelled because the hotel had already been paid but we could contact the airlines about reimbursement for the flight. We had spent {$5000.00} total on this trip, we put half on another credit card and then {$2400.00} on the LL Bean mastercard, we didn't want to lose all our money so we decided to go thru with the trip as there was no travel restrictions to XXXX at that time. We flew down on the XXXX arrived at airport where we were supposed to get a ride to the hotel and we were told that XXXX went out of business and never paid the hotel and so if we wanted to stay we had to pay a second time for this trip ( Another {$5000.00} ) we did not have that money. They brought us to the hotel and as I was arguing with the hotel, my son called and said the state department had ordered all american citizens back into the country, so we paid for the hotel that night and flew back the next day. The other credit card company refunded our money immediately when we notifed them of how we were ripped off by XXXX. However I have made numerous telephone calls and written twice to LL Bean Mastercard and they keep saying I would have to had disputed this charge within 60 days in order to get reimbursement. I asked how I could do that when the trip was more than 120 days later and they will not reimburse me. I thought Mastercard had a policy that trips are not included under the 60 day policy because people book trips a year in advance sometimes and it would mean that most people 's trips would not be covered. This was our XXXX anniversary which was ruined and since getting back, we literally spent 23 hours in XXXX, we are essential workers and have been working nonstop, we would appreciate some assistance with this. At this point the company is not even responding back to me. I have all paperwork to back this up.
Complaint sub-issue: Problem with customer service

484. Completed prompts in automated system to speak to service agent. System stated that Citi is experiencing a high call volume and I would have to call back later. The system then hung up on me. I attempted to call 3 or 4 times with the same experience. I then called Citi application/sales number XXXX. I was connected to a sales agent with ZERO delay. I asked the sales agent to be transferred to customer service because the automated system was BLOCKING callers from reaching the company. The sales agent was able to connect me to a service agent within 60 seconds. Unfortunately, that call was dropped after a min or two. I called the sales number back again to reach service. Again, no delay getting a sales agent. Asked to speak to service, this time, zero delay getting a service agent on the phone. My phone call concern appeared to be resolved. I am reporting this incident because it appear CITI is INTENTIONALLY making it difficult to call their service line during a time of crisis. This company is INTENTIONALLY making it difficult for customers to make receive any customer support and will likely result in many many less persistent customers getting additional fees that will directly benefit Citi as a result of Citi pretending to be unable to answer any customer service calls.
Complaint sub-issue: Transaction was not authorized

I've tried to link this account several times to my stock account and the bank is blocking it
Complaint sub-issue: Don't want a card provided by your employer or the government

i want to close my account cause im not going to use the card for the unemployment and i try contacting them but no response.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Account status incorrect

i purchased a vehicle from XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Identification # XXXX, when i purchased this vehicle one of the things that was promised to me is that this will not reflect on my credit report since at the time the company did not report to the credit bureau, since i was working with a co to repair my credit, it was important to me that this did not show in my credit report. my payment amount was {$370.00} and i always made a payment of {$400.00}, on XX/XX/XXXX of XXXX my wife was involved in a card accident and the vehicle deem a total loss XXXX claim # XXXX XXXX XXXX XXXX was and still my current insurance co, the adjuster for this claim was XXXX XXXX XXXX, at the time of the accident my account was current, therefore any contractual payment 's after the accident should had not been listed as delinquent, XXXX XXXX  was notify and they where listed as lien holder. XXXX started reporting to the credit Bureau on XX/XX/XXXX of XXXX, reporting my account over 120 days delinquent and reporting me Retroactive, the wrong amount was listed, show me delinquent, and they reporting me retroactive, my loan was purchased 15 month 's prior to then beginning reporting to the credit b.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.