Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fee problem

In XXXX 2017 I mailed a check via XXXX. The check was lost in the mail. I went online to PNC Bank and canceled the check. After I canceled the check a " stop payment fee '' for {$33.00} appeared on my account XXXX XXXX, 2017. Prior to canceling the check I was not notified or warned that I would be charged this fee. I had canceled a check a couple months before over the phone and was not charged a fee. I was under the impression that I would n't be charged a fee for canceling a check online. I contacted the PNC Bank branch in XXXX, OH more than 5 times to speak to the branch manager and have the fee removed. I was continually assured it would be taken care of, yet it never was. I have since given up trying to deal with the branch directly as every time I call they tell me the same story about how he 's " working on it '' and needs to contact someone above him at another branch. Given that PNC has failed to resolve the issue for over 8 months, I now must turn to the CFPB for help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUSINESS TYPE : ALL BANKS DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX  XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Complaint sub-issue: Funds not received from closed account

I opened a checking and savings account with Discover Bank at the beginning of XX/XX/2022. A week later after I opened the accounts ( around XX/XX/XXXX ), I receive an email saying my account was closed due to a business decision so I then tried to login to the app and website and got an error message saying that the accounts were suspended and I needed to call their Discover Bank phone line. I did that, and they told me that I needed to wait a full 60 days from the date that the account was closed before they could begin processing a check so I did that. It is now Friday, XX/XX/XXXX and I called them back and turns out they can not process my check until they verify my identity by me uploading an image of my drivers license to their online file service. I did this, but it seems like every time I call them I get different answers on how long to wait, what needs to be done, etc and I just would like my money back soon because I am currently broke and depend on that money.
Complaint sub-issue: Information belongs to someone else

I have submitted a dispute to Equifax for the last past few months involving identity theft and they refuse to block the fraudulent information. I have sent a copy of an identity theft report along with a police report and the status of the account has not changed. XXXX and XXXX has acted and removed the information already.
Complaint sub-issue: Information is missing that should be on the report

The XXXX XXXX XXXX replied with a letter XX/XX/2020. They addressed the issue about this bill. I disputed this account several times. They stated they would cease any attempts to collect on this bill. They said they would contact the bureaus if they wanted to resume collections. Equifax has failed to remove this from my credit file. I think the credit bureaus should be held accountable. This changes a person credit history tremendously. This affects people lives. I want this removed immediately.
Complaint sub-issue: Information is missing that should be on the report

All three credit agencies fail to show that I have a credit card account with Citi. I opened this account in 1991, over 30 years ago, and have maintained it open continuously since that time. This is the only revolving credit account that I have open and I have no other debt, although I have 30+ years of excellent credit. I haven't used my Citi credit card for about a year, which resulted in Citi no longer reporting my account to the 3 credit bureaus. Because they don't report my open account ( which has a {$25000.00} open and accessible credit limit ), all three bureaus no longer show that I have any open accounts and don't recognize that I have had this card with excellent payment history since 1991 ( my oldest credit account ). This has caused my credit score ( previously XXXX in XXXX of this year ) to simply disappear from all three bureaus. I used the Citi card a couple of weeks ago, which Citi says will result in their reporting again to the three bureaus ; however, in the meantime my process of applying for a new mortgage has been completely de-railed. I have two inquiries on my account by the two lenders that both denied me due to the lack of a credit score. I will now have to get two more inquiries on my account if and when the score is re-instated. These extra inquiries can hurt my score. I tried to get Citi to proactively submit the past year 's worth of account status to the credit bureaus, but they insist that they must wait until the next billing cycle, which will be too late for the loan/home I'm trying to purchase. It's unfair to me and unfair to lenders that check my account right now and don't see that I have an open and accessible $ XXXX credit line with Citi, because that card and credit line are not being reported. Going forward, I will use the Citi card more often, but there is a problem with the system if and when banks are not required to report all open accounts to the credit bureaus, regardless of whether or not they have been used recently.
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Was not notified of investigation status or results

I wrote the credit Bureaus on XX/XX/XXXX and XX/XX/XXXX of XXXX. I have heard absolutely nothing from them at all. Im XXXX too because there is a bunch of nonsense that im trying to clear up thats so bogus on my credit report and I cant get it cleared up because they wont respond. Like what the heck am I suppose to do. This is against the law what they are doing and I want this matter investigated to the fulles extent.
Complaint sub-issue: Was not notified of investigation status or results

Equafax never contacted me when they had a data breach and my information was effected by the breach this is a unfair practice for a company that monitors credit every consumer should have been notified of the breach to either have the opportunity to be part of the class action or have the time to protect their credit now my information is somewhere in cyberspace with anyone access to the information with a possibility of it being used now or in the future
Complaint sub-issue: Indicated committed crime not paying

Added to dispute XXXXStill not crediting payments and not itemizingCourt says Alliance one told them they any amount paid on debt. 

They say on their web apge they are a XXXX office -- -- court says limited times -- Mon -Thurs and other hours on Friday - that they take phone payments -- - but automated service does n't work.
Complaint sub-issue: Account opened as a result of fraud

PNC opened an account on my name which was Fraud. I called to report and two months later I am still receiving statements. Called again and I have to file another fraud case and no status of the previous case. I now have a XXXX dollars balance. I have set an alert with the credit agencies, however I need for PNC to strengthen their controls to verify identity, Close these accounts and get this to a XXXX dollar. 

Account : XXXX, XXXX Thanks, XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : # XXXX, XXXX XXXX ha

s 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 that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Billing dispute

A charge-off / lien has been reported to my Equifax credit file by XXXX. The charge-off is associated with an address I have never occupied or been associated with. Furthermore, I lived out of state during the time period in question. I have disputed with Equifax and XXXX and they are making it nearly impossible to remove the charge-off. XXXX refuses to allow me to file a fraud complaint without personally showing up to their local offices ( which are few and far between ) with a police report and multiple forms of identification including my social security card.Although Equifax agreed that I have never been associated with the address or account in question, they will not give me any additional information or assistance. They simply tried to upsell me on additional fraud and credit monitoring products. They also claim I am not allowed to speak to a supervisor or obtain any contact information from their customer service reps. 

This charge off is preventing me from refinancing my home and has reduced my credit score by XXXX points in comparison to the other credit reporting agencies.
Complaint sub-issue: Investigation took more than 30 days

I disputed accounts with Equifax and they have not responded within the required time by the FCRA. I would like the items removed.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX  XXXX mortgage incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Account status incorrect

I had phone service through XXXX and I changed phone carriers to XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with XXXX XXXX XXXX.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted XXXX XXXX and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both Equifax and XXXX.
Complaint sub-issue: Personal information incorrect

I would like to submit a complaint about the credit bureau Equifax. I suspect either identity fraud or a mixed file case. On XX/XX/2018, I called Equifax ( XXXX ) with a question regarding an activity alert on my credit report, which was brought to my attention via email by Equifaxs credit security company TrustedID. 
The first person I spoke to asked me a multitude of security questions to confirm my identity. As the questions were never ending, I asked to speak to his supervisor. 

His supervisor, XXXX ( Employee ID # XXXX ), told me that their system showed my date of birth ( DOB ) was in XXXX on a different day and year than my actual DOB. She explained that a lender/creditor must have submitted the wrong DOB for me and that I should fax copies of my drivers license and birth certificate to Equifax, to correct the problem. In the environment ripe of hacking and fraudulent behavior, I do not feel safe faxing such sensitive materials, and I told XXXX this. Besides, I asked, how could Equifax have a 30-year credit history for me with the correct DOB and then suddenly decide to change my DOB in their records, without consulting me, because a lender/creditor submitted a different DOB. I asked to speak to her supervisor. 

Her supervisor, XXXX ( he would not give an ID # but said he is the only XXXX in the Office of Consumer Affairs at Equifax ), could not explain how Equifax could change my DOB without consulting with me and investigating why there was a different DOB introduced in my records. Neither XXXX nor XXXX would even tell me which lender/creditor sent Equifax the incorrect DOB. This is unacceptable, as I could have attempted to correct this error with the lender/creditor that purportedly sent Equifax the incorrect DOB for me. I asked if Equifax saw this as a red flag for some fraudulent behavior or a mixed file case. XXXX told me that he would not discuss this any further with me and that I could correct the DOB by faxing to Equifax copies of my drivers license and birth certificate and by contacting all my lender/creditors to make sure they had my correct DOB. It was not as if the wrong DOB submitted for me was off by one number, due to a typographical error. It was a completely different month, day and year. This is unacceptable and should not cause me to jump through a bunch of hoops, including sending personal data to Equifax, to attempt to correct Equifaxs error.
Complaint sub-issue: Problem with fees

In 2016 Costco ended its partnership with the XXXX XXXX XXXX Credit Card and started a new partnership with Citibank Credit Card. I have and continue to have the XXXX XXXX XXXX XXXX as my daily credit card. 

Citibank opened up a credit card without my authorization or approval or even knowledge and opened it because I had a Costco/XXXX  XXXX Credit Card. I never charged anything on the Citibank Credit Card and never opened it or gave authorization. 

I then started getting statements from Citibank that I owed annual fees and late fees and interest on these membership fees. When I explained that I never wanted this credit card and never gave authorization to open this card and never charged anything on it, I was continually told by Citibank that it was mandatory that every Costco/XXXX  XXXX Credit Card holder had a Citibank Credit Card opened. 

Citibank never budged when I explained that I never gave authorization to open this credit card and I should not owe fees for membership in a credit card I did not want and did not give authorization. 

Well, 4 years later I went to get a mortgage and on the credit card report it says that Citibank wrote off {$67.00} for me and then gave me a 9 ( the worst ) rating to the credit card agencies as punishment. 

This has damaged my credit card statement and is costly in getting a loan. {$67.00} write off and then a punishing 9 rating for annual fees, interest and {$0.00} charges on a credit card that I never wanted, never used, and certainly never gave Citibank authorization to open a credit card for me. 

This is punishing to me, not only was it a nightmare trying to get rid of a credit card that I never authorized, but now I found out that Citibank was vindictive and damaged my credit card report because of this. 

This does not seem appropriate and I would ask the Consumer Financials Protection Agency to start an investigation into Citibank regarding this abuse. 

Please email me with any questions or concerns Thank you for your help, XXXX. XXXX
Complaint sub-issue: Problem getting a working replacement card

I have ordered a citibank mastercard and it has been more than 3 weeks and it has not arrived. However, the mobile app says I should have received my card about XX/XX/13. This is highly unusual, so I suspect it either got lost, or worse compromised. Or.. they never sent it. 

I decided I want to report it, and get a replacement. I attempted to contact the XXXX number they have on their website, as well as use the... ABSOLUTELY USELESS 'help ' they have on their website, and It seems like it's designed to purposely avoid helping anyone at all. Every selection have gatekeeping that require the card 's information in order to proceed in the menu. It's the most infuriating customer experience I've ever had. 

So now, *IF* something were to happen, I can't " lock '' my card in the app because it isn't activated and I can't get ahold of anyone because of their system to manually address this issue. How is this legal?
Complaint sub-issue: Information belongs to someone else

Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 10 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX  XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX  XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.
Complaint sub-issue: Debt is not mine

there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information.
Complaint sub-issue: Information is missing that should be on the report

My name is XXXX XXXX XXXX XXXX.DOB XX/XX/XXXX, SS XXXX my address is XXXX XXXX XX/XX/XXXX, XXXX XXXX, GA XXXX please add the XXXX to my name.I have a few incorrect items on my credit report. I have NEVER been late on any of my credit card accounts The following account is not accurate please delete XX/XX/XXXXXXXX # XXXX I never had a collections account sold to another office or transferred I am not sure maybe it was confused with my father we have the same name XXXX XXXX XXXX XXXX he was lived at XXXX XXXX XXXX , XXXX XXXX GA XXXX. That address is not mine please remove it from my credit report. The following phone numbers are not mine please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I would like my name OPT OUT of pre-screen credit cards and insurance promos.