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

Hello I was charged for the month of XXXX {$40.00} late fee and for the Month of XXXX a {$39.00} late fee was assessed to my account. I spoke with someone directly after making my payment and he stated that he will not be able to waive the late fee after bringing my account current. The employee ID number is XXXX. I am just getting over the virus and was shocked that the system would not allow this to happen. Please help me resolve this matter. Thanks.
Complaint sub-issue: Deposits and withdrawals

Key Bank I am a 50 % beneficiary ( Proof of Death ) on my mothers bank account. I provided a certified death certificate and the bank will not issue the 50 % balance. They stated that Key Bank policy is to require both parties must be present in order to distribute and close my deceased mothers account. I have done the following to remedy this issue.
Call customer service number " multiple '' times and logged complaint Bank XXXX Ref # XXXX one example.
Request customer service to escalate to corporate and they stated this was a branch decision. When to a second branch office and they stated the same policy.
Request the contact information for the Key Bank Compliance Officer an was denied information. Request that I send a e-mail my complaint in a e-mail which they to forward and they denied this request as well.
My mother had accounts at other financial institutions and I was able to withdraw my percentage without have other beneficiary present. ( i.e. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. )
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX  services. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Complaint sub-issue: Problem during payment process

Hi, my name is XXXX XXXX and I am contacting Discover Bank on behalf off my account # XXXX. It is a secured credit card that is supposed to be helping my credit however it is doing the total opposite in which wasn't proposed to me when this account was opened. There are two late payments for XX/XX/2021, and XX/XX/2021 however this is my own money I put as a deposit on this account so it is impossible to be late on my own $ that I put down as a deposit for this account according to the FCRA and USC laws. Please see the enclosed documentation attached. Also I have autopay enabled there was an payment processing issue on Discovers behalf reason to why the payments never cleared in the first place.
Complaint sub-issue: Was not notified of investigation status or results

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXXXXXX   XXXX  {$380.00} XXXXXXXX   XXXX {$1100.00} XXXXXXXX   XXXX {$3500.00} XXXX XXXX {$220.00} XXXXXXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED HAPTER XXXX BANKRUPTCY DISMISSED CHAPTER XXXXXXXXBANKRUPTCYDISSMISSED CHAPTERXXXXBANKRUPTCY DISSMISSED
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I filed a Complaint : XXXX CLOSED STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase or transfer On XX/XX/XXXX, I was arrested in the parking lot, on an outstanding warrant for a Probation Violation where I was living at the XXXX Motel in XXXX, AZ. All my clothes, hygiene, dog, wallet ( with my Card com card, my XXXX XXXX  card, my XXXX XXXX, my AZ DL, and cash ), laptop, etc. were all in the room at the hotel. I was incarcerated at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at the hotel when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX XXXX, XXXX. Since I was incarcerated, with NO access to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on XXXX separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim. 

NEW CLAIM : Card.com paid me {$630.00}, which was for transactions that occurred while I was incarcerated. However, there are still several transactions that occurred while I was incarcerated, that were not reimbursed. There still is an outstanding balance owed to me of {$1000.00}. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Investigation took more than 30 days

My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required XXXX to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. XXXX response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the XXXX requirement as prescribed in the following FCRA laws. It appears that XXXX received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. XXXX act of deception was still out of compliance because XXXX mailed it outside of the XXXX window for the first dispute, and XXXX committed fraud in the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons  investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section.
* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In  general. Subject to subsection XXXX f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/20 I called in to discuss the debt. I have been under a lot of duress given that I am going through a divorce currently. I did not want to share that with them and just asked what I could do to resolve the debt via a settlement. I am stating I personally owed it or that the debt is valid, but given everything going on in my life, I just wanted to settle it and be done with it. 

I asked XXXX XXXX to see about what they were willing to settle for given my current state of mind. They disclosed the debt to him prior to him verifying and gave the mini miranda afterwards as well. They makes me very uncomfortable as that means anyone could call in. Secondly they gave me a very high offer and stated if I wanted it lower I had to give out detrimental information to myself. They refused to tell me the date the account charged off which now makes me wonder if this was out of statue. Very deceptive practices. In addition XXXX XXXX, atty rep, XXXX XXXX supervisor, and atty XXXX XXXX - stated that Citibank policy states that we must acknowledge that I would stay on the line in order for the conversation to continue. They would not move forward unless I acknowledge that. 
XXXX
Complaint sub-issue: Indicated you were committing crime by not paying debt

Title loans do not go on credit reports. Its illegal
Complaint sub-issue: Problem during payment process

On our Discover credit card, my husband and I owed {$280.00} by XX/XX/2019. I have a recurring payment set up with our bank 's bill pay for {$200.00}, which went out on XX/XX/2019. At the time, I did not realize that the payment should have been {$280.00}, rather than {$200.00}. I always try to pay more the minimum each month, and I have never been late on a payment. Discover contacted my husband on XX/XX/2019 by phone. They were attempting to get him to pay, not only the {$82.00} that we were behind, but they also wanted the XXXX payment that was not due until XX/XX/2019. He doesn't do our budget so he told them that they would have to speak to me. He did not give them our bank account information over the phone and authorize a payment. He called me and told me about the situation, and asked me to take care of it. I immediately went online to look at what we owed, which was have been {$82.00}. Because I like to pay more than the minimum payment each month, I decided to make a payment of {$250.00}, which was made on XX/XX/2019 through Discover 's internet payment option on their website. Until then, Discover did not have our bank account information so they would have been unable to process a payment. On, XX/XX/2019, I was traveling, and I started to get epay alerts for overdrafts in my bank account. When I checked my account, I realized that Discover had withdrawn an additional {$360.00} dollars from our bank account on XX/XX/2019, which caused us to go into overdraft and be charged {$36.00} every time we use our card. We contacted the credit card company immediately to ask them to remedy the situation. Because my husband is the primary on the account, the hour that I spent on the phone with them getting passed back and forth and repeating my story counted for nothing. My husband called and spent another half our talking with them, then I had to call them and spent another 45 minutes repeating our story and getting transferred to different people before they said they would investigate the situation. I am now waiting for a response from them which they said would take up to 48 hours. Meanwhile, not only are we out the {$360.00} dollars that we had earmarked for our travel, but we also have hundreds of dollars in overdraft charges. Please help us recover our funds!
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXXXXXX XXXX Balance : {$500.00} ; XXXX XXXXXXXX XXXX Balance : {$340.00}
Complaint sub-issue: Funds not received from closed account

My companys bank account with US Bank was frozen on XX/XX/2021. I made several phone calls to them and visited the branch more than 5 times. When I first called, they told me it would be resolved in 3 weeks or so. However, after a while, they informed me that my account would be officially closed on XX/XX/2021 and advised me to discuss with the XXXX XXXX branch regarding the balance being refunded to me. 
I visited the branch again in XXXX and around the end of XXXX. That is when they told me to submit invoices for 4 checks. They claim that verification is required for about {$17000.00} of the total frozen amount of about {$50000.00}. I asked one of the bankers at the branch if he could provide documents, such as bank statements for the checks that they needed verified. They told me to provide invoices for the 2 checks and the full bank statements for the other 2 checks, instead of partial statements. I was under the impression that US Bank can complete a verification process through copies of the cleared checks in question and/or statements showing the items had cleared. Many of these checks that they are wanting verified are checks from customers that have been deposited into my account several times prior. This random request makes me feel like this is just a way for them to stall releasing my funds that are currently still frozen.
Complaint sub-issue: Account status

I sent a copy of the letter from the XXXX, XXXX XXXX XXXX that outlines their efforts to have the defaulted loans removed from my credit reports. This happened XXXX XXXX, 2016, but the reports have not been updated.
Complaint sub-issue: Was not notified of investigation status or results

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXXE data breach and may have gotten into the wrong hands.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase {$280.00} with XXXX XXXX ( XXXX and XXXXXXXX XXXX ) on XX/XX/XXXX. Since I didn't receive the t -shirt I purchased, I filed a claim with Citi and received the conditional credit for dispute from Citi on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi told me that they tried to contact the merchant to resolve the issues with but failed. So Citi reverse-charged the credit {$280.00} on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi asked me to settle this dispute by issuing a permanent {$80.00} credit on XX/XX/XXXX ( see Bank XX/XX/XXXX statement ). Citi mentioned that I could continue working with the merchant to get my full amount of money back but Citi would not involve in the future discussion any more. I agreed with the settlement with Citi and accepted the {$80.00} credit. I continued working with the merchant and the merchant finally issued a full refund of {$280.00} on XX/XX/XXXX. Since my original purchase was made via XXXX, the refund was issued through XXXX ( see XXXX transaction details ). The refund was shown as " XXXX *END. '' on my Citi statement on XX/XX/XXXX ( see Bank XXXX XXXX statement ). However Citi reverse- charged me again on XX/XX/XXXX ( see Bank XXXX XXXX statement ). I contacted Citi to understand why Citi reverse-charged me again since then. Citi insisted that Citi issued the refund on XX/XX/XXXX and they decided to reverse charge the money. But from the XXXX transition details and my Citi bank XX/XX/XXXX statement, it is clear that the refund was issued by the merchant rather than Citi.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

i am having a problem with getting discover card unsecured i have had it secured since XX/XX/XXXX and they said would start reviewing my account automatically the XXXX of every month since XX/XX/XXXX i have paid all my bills on time every month with discover and all my bills on time every time i call them they tell me same automatic review thing. i put down a XXXX deposit and want to be unsecured on this card. they were very rude and unprofessional to me for asking and i didnt appreciate it discover talked to me like i was stupid for asking
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I cancelled an annual subscription on XX/XX/XXXX. The merchant ghosted my cancellation email, and charged me for both XXXX and XXXX. I filed a chargeback dispute with Citi ( which gave the merchant my updated card number WITHOUT my authorization ). Citi, without reviewing the cancellation notice, sided with the merchant because they provided a receipt of annual charge for XXXX and XXXX which I didn't authorize.
Complaint sub-issue: Debt was result of identity theft

TODAYS DATEXXXX AMERIFINANCIAL SOLUTIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the 2nd of two in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the 3 credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account XXXX XXXX ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from XXXX XXXX for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. 



Best, XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax ; XXXX  and XXXX  should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.