Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Non-sufficient funds and associated fees

I received an email on XX/XX/2022 from my Bank. XXXX XXXX to join XXXX and enter to win {$1000.00}. " Just complete Income Boosters or invite friends to join XXXX by XX/XX/XXXX! '' It sounded interested because I received the information from my bank. So I called my Bank to verify that the email actually came them and not a Scammer. I was put on hold on for while and the Customer Service representative who was handling my call, was able to verify that the email did come from XXXX XXXX. 

I created an Account with XXXX and selected Income XXXX, XXXX, XXXX, and XXXX. XXXX is still on pending status. I closed the approved XXXX XXXX XXXX because they were taking a Subscription fee of {$9.00} every month and not puting it towards any Investment as they had stated in their agreement and what they advertised on TV. I received refunds for the money that they had taken from my Bank account. They had lied to Steady about their investment practices. 

The main report that I am filing is against Albert Bank. I opened an Account with them as one of the income booster, starting with a Savings Account with {$20.00}. For there, they took {$5.00} on XX/XX/2022, {$7.00} on XX/XX/2022 and claimed that it was for EDI payments for tips, {$8.00} on XX/XX/2022, {$11.00} and {$9.00} on XX/XX/2022. I have checked my Albert Bank Account and the only money that I see is what is in my XXXX XXXX. I don't see money going towards any thing of investment. I have contacted Albert Bank several times and have not received a credible explanation of why they are taking out money from my XXXX XXXX. I filed a complaint with XXXX XXXX two weeks ago to dispute these charges and Albert Bank was given time to come up with explanation of why they took out {$8.00} from my Account. I called XXXX XXXX today to discover that Albert Bank never contacted them to give any explanation. I have told XXXX XXXX XXXX put a stop payment to Albert Bank and filed a dispute for {$8.00} taken on XX/XX/2022, {$11.00} and {$9.00} taken out on XX/XX/2022, and the {$20.00} they took out in XX/XX/2022 to open a Savings. 

I have notified Albert Bank today about the charges that were taken out today, their failure for not coming up with explanations of why they take out money from my XXXX XXXX Account, lying, to XXXX about their investments, my intent to contact XXXX to remove the direct deposit that I had set up using XXXX, closing my Account them for good, and have from XX/XX/XXXX to XX/XX/2022 to return all the money that they have taken from my Account. 

To me, it looks like they are operating a Scam or Fraudelant business instead of running a Bank. I have a question (? ) mark about operation and whether they are have FDIC protection. I researched and found a Customer Service number for Albert Bank. When I called the number, I was referred to the Albert Bank app to contact XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

FOR EQUIFAX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

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

On XX/XX/2022 I I was at XXXX XXXX XXXXXXXX in XXXXXXXX XXXX Where I was looking to purchase a pre owned Car. I ended up purchasing a car that Day and during the process I incurred six hard pulls Across the three credit bureaus XXXX Equifax and XXXX. End result I ended up approved and And taking out a loan that day from The lender that was best for me. Being that I was categorized as approved over For financing I am requesting that all hard poles be removed By all three credit bureaus In good faith As All they do is cause a negative impact on my score For no reason As in the end I left with a car that day And as I said I was approved. Please see attached document Proving my acceptance and approval For financing from the Company I ended up choosing to Purchase my vehicle that day.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/XXXX, I was approved for the US Bank XXXX XXXX XXXX XXXX credit card. I applied for myself and several employee authorized users. 

However, I received a card for only myself ( -XXXX  ) and one employee ( -XXXX  ). 

I applied for additional employee cards because our company did not receive the original employee cards we applied for, the first time. We applied for our other employees this time, and they were all approved. These were accounts -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX statement, I received the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX  and -XXXX. 

On XX/XX/XXXX statement, I did not receive the {$200.00} bonus offer for meeting the {$1000.00} spending requirement for cards -XXXX, -XXXX, and -XXXX. 

On XX/XX/XXXX, I reached out to US Bank to clarify but the response given by XXXX was that the {$200.00} bonus offer per card is only applicable to those given at signup. 

1 ) When I first applied, I had applied for several authorized user employee cards, not just for myself or for XXXX XXXX ( -XXXX  ). 

2 ) The terms and even the website ( https : //www.usbankedge.com/credit/business-edge-cash-rewards.do ) state that " Each card meeting the spend requirements will earn cash back. '' I met the spending requirements on each card within 90 days of account approval. 

I have had a good experience with US Bank and your customer service shows profound excellence of the bank, but this false advertisement of this card has been confusing and misleading.
Complaint sub-issue: Received bad information about your loan

This is an on-going problem that has become " ROTE '' and Repetitious with this student loan debt collecting agency called PHEAA or Pennsylvania Higher Education Assistance Agency. On XX/XX/XXXX I received another Wage Withholding Notice which make 3 within 8 months. No response to my request for a Hearing on each notice. And, no response to the legal documents, forms and letters sent out " Certified Mail '' with each notice. The Packet I sent out on XX/XX/XXXX, " Certified Mail '', to PHEAA and the Credit Dispute Resolution Lead, included incriminating student loan documents taken from my original Files/ School student loan Records. Indicating my Private Loans were consolidated with some Federal Loans. My type of loan, the loan holder, balances, fees, penalties, interest and principle had been altered, lined through, crossed out with defaced manual entry ( s ) listed throughout the documents. This occurred without my knowledge or consent and is indicated on each document page. These records/documents date back to XXXX through XXXX. When my student loan exchanged hands between, my school, The University of XXXX XXXX and my loan holder, XXXX XXXX and was presented to me in XXXX. I questioned the validity of this loan, when I received my first payment notice. I made it known to the XXXX XXXX XXXX XXXX XXXX and filed a claim and sent out letters to various reporting agencies. PHEAA, as it was disclosed to me, has had in their possession, my private loan information as well as the altered documents. Yet, XXXX XXXX previously informed me that a " Disgruntled Employee '' had " Stolen '' my student loan records along with others ' exposing my personal  and private Data. PHEAA and its affiliates denied this ever occurred. The supporting documents I sent PHEAA validates my claims and reports of Fraud, mishandling and altering my student loan documents as well as the harassing ROBO calling, notices, threats and scare tactics I continue to endure from this agency and its affiliates. The Recurring Collection/Contractual Violations I am experiencing from PHEAA, along with the number of recent Debt collection calls asking me to apply for a Forgiveness or negotiate reasonable payoff is a Direct Violation and I reported these calls the the FTC with the random/sequential numbers and third Party collection agencies involved with PHEAA. I am convinced PHEAA and its affiliates ' methods follows the form of a Ruse/Disguise to achieve its Abusive/Deceptive Predatory collection practices. Included in the Packet I sent PHEAA on XX/XX/XXXX is a Form for False Cert/Discharge. This is my third time sending this Form to PHEAA.
Complaint sub-issue: Funds not handled or disbursed as instructed

In XX/XX/2019, I opened a MoneyLion checking account under their Pave the Wage promotion, which was to pay a 17 % bonus ( up to {$590.00} ) on the first Direct Deposit to the account, as long as conditions were met - Direct Deposits had to be maintained to the account for 90 days after the initial at at least 90 % of the amount of the initial DD. I opted in to the promotion through the MoneyLion app but did not receive any confirmation of having opted in, so I called and confirmed that I was opted in. On XX/XX/XXXX, my first DD of {$2800.00} posted and for the 90 days following, I had regular DDs of at least {$2500.00}, meeting the terms of the promotion. According to the terms, I should have received a bonus of {$480.00} at the end of XX/XX/XXXX/beginning of XX/XX/XXXX - 90 days after my first DD + some processing time. I began contacting MoneyLion on XX/XX/XXXX and have been given the runaround since, with excuses and vague answers to my emails and phone calls. They say that funds are still processing, or that I never opted in and they have no record of my phone call checking that I was opted in. They also have no record of several other calls I made over the last few months regarding general checking account maintenance, so agents are clearly not logging all calls. In fact during my last call, I was told that there was no record of the call prior, which was rather long and involved the agent supposedly looking in-depth into my bonus situation. After that last call, the agent escalated the issue, but that was a week ago and I've heard nothing since, despite checking in via email after several days. 

I would appreciate help in having MoneyLion honor their commitments and not try to lie and lack of documentation their way out of treating customers as they promised.
Complaint sub-issue: Account information incorrect

I disputed the following account with XXXX  and Equifax and after an investigation by XXXX  It was found to be unverified/inaccurate and removed from my credit report. Equifax has still not responded to my dispute and continues to report the unverified and inaccurate account on my credit report, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. I have included a screenshot of the removal by XXXX  from my XXXX XXXX account as proof and I give permission for you to run my credit report to see that it was removed, I am once again asking that Equifax investigates the following account and I would like verification/proof, copy of contract or signature showing the true ownership of these account or the removal of these inaccurate/unverified account. 
1. XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXX Inquiry Date XX/XX/2022
Complaint sub-issue: Problem with fees

Best Buy applied a {$58.00} Payment Due to the XX/XX/XXXX credit card bill and there were no charges made in XXXX or balances due for XX/XX/XXXX. In XXXX a {$59.00} late payment was made on the account to eliminate the balance. In XX/XX/XXXX a New Balance of {$48.00} was carried over to the XX/XX/XXXX credit card bill. In XXXX a purchase of {$11.00} was made using the credit card and a payment of {$77.00} was made on XX/XX/XXXX that Best Buy did not use as a payment until XX/XX/XXXX so that Best Buy could make overcharges of {$87.00}. When the XX/XX/XXXX credit card bill came for {$12.00} it was paid in XXXX and no purchases were made. From XXXX to XXXX no purchases were made and calls to Best Buy, lasting from1 to two hours, were made and Proof was sent to Best Buy using billing statements, payment receipts, and certified mail. Best Buy would only offer payment arrangements. The credit card bill is over {$400.00} now for interest and late fees only and Best Buy destroyed my credit rating I had since before XXXX.
Complaint sub-issue: Received unwanted marketing or advertising

I attempted to go to the Equifax site per their provided link to see if I was affected by the credit breach on XXXX XXXX, 2017. When using the website, it was supposed to tell you if you were compromised or not and then give you the option to opt-in to their ID theft protection. It did not give my any such option to opt into the XXXX XXXX XXXX. It just automatically opted me in even though I was only requesting to see through the site if I was potentially affected by the breach. Speaking to the rep on the phone later that morning, she told me I was already enrolled, even though I never consented.
Bottom line, they enrolled me in something that I did not consent to and also did n't tell comsumers about the breach until a month later, resulting in me paying for credit freeze. These fees should have been waived, especially since Equifax is at fault with the lack of security measures. And now the affect to my credit will be affected forever.
Complaint sub-issue: Problem with fees

I have paid XXXX, XXXX, XXXX and XX/XX/2020 on the date the money was due, and Discover refuses to refund the money.
Complaint sub-issue: Reporting company used your report improperly

Equifax , Inc. maintained a very poor standard of web security that has resulted in my report and personal information ( name, Social Security number, birth date, address, credit card number, and drivers license number ) being hacked from their website ( I am listed as being affected by this hack on their website : https : //www.equifaxsecurity2017.com/potential-impact/ ). I am among over 100 million people who have been affected by this hack, resulting from improper and outdated security measures. A company that holds this kind of information should be held to a much higher standard of security.
Complaint sub-issue: Information belongs to someone else

I have an open loan account with Equifax, called Equifax to see whats going on. They have no idea because they do not have loan products. Asked to provide the phone number of the account on my credit file the phone number they provided was the Equifax fraud alert phone number. Equifax told me on the phone XX/XX/XXXX they have no idea what that account even is but kept it on my credit report, because of that account i was not able to get a job. 
Equifax XXXX loan showed date opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

case number XXXX. 
Equifax has not sent me full details on its investigation including copies of all of the source documents including the person who did the verification with their telephone numbers. I also need copies of the contracts or applications for XXXX XXXX XXXX XXXX XXXX i am still missing information on the credit reporting. where is a copy of the source information. it has been well over 30 days. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Complaint sub-issue: Credit inquiries on your report that you don't recognize

remove the different names on my credit report : XXXX said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries.. 
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1.XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX 2. XXXX XXXX  XXXX..REASON AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX 3.XXXX XXXX XXXX XXXX : DO NOT KNOW THIS XXXX 4.XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX  S RV NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.XXXX needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in 2014 paid 3 years then notified by the attorney generals office that I was a victim
Complaint sub-issue: Other problem

On XX/XX/XXXX I returned two florescent light tubes to XXXX XXXX in XXXX, MO for credit and I received a credit of {$18.00}. My next billing statement indicated two credits for that same amount, but I believe only one was valid. 
On my XXXX, XXXX statement, I noticed two strange entries : XXXX Trans Bal Between XXXX ( XXXX ) and each was for {$18.00} I called the credit card company and asked what this was all about and was told that they reviewed the account and to make it balance they reversed both credits. This was about ten months after I returned the light tubes. What a delay! 

Since I called, I have had no satisfaction nor do I understand why they reversed both credits. I have made numerous attempts to resolve this, but no success. Perhaps one was a duplicate, but certainly not both.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My information might have been impacted by the XXXX data breach and may have got into the wrong hands. I have applied for a car back in XXXX of 2022 through XXXX XXXX " only '' and now I have multiple hard inquiries on my XXXX, XXXX and XXXX credit report
Complaint sub-issue: Can't use card to make purchases

I received my Citi credit card in XX/XX/2021, and have been using it successfully since. I was traveling in XX/XX/2021, and had planned to use it as my primary card. I provided Citi with appropriate travel notices and any large purchase notices. However, Citi has blocked the card, and is not offering any solutions to unblock it. I have contacted Citi multiple times pertaining to this request and have gotten conflicting information. 
I learned about the card block on XX/XX/2021. 
1. When I contacted them on XX/XX/2021 around XXXX pm, the customer rep did not provide any information and instead told me that they have mailed a letter. They did not disclose the information in the letter. When I told them that I was traveling, they took down my temporary address. 
2. I did not receive any letters until XX/XX/XXXX and contacted them again around XXXX am. This time, the rep said that there are no potential fraud blocks and they have cleared out any blocks. However, when asked to verify again, they said something about social security verification and that the block would remain until that is complete. I told them again that I am traveling so can not receive a letter and if they can send it to a temporary address. This time, they told me that they can not do so, which conflicted with the information I had received previously. Despite asking multiple times, they also failed to provide any information about what this verification meant and why it was sent to us 4 months after obtaining the card, and precisely at a time when I had submitted travel notices to Citi. They also failed to provide any resolution to unblocking the card while I am traveling. 

As a result, Citi is not upholding its contractual obligation to provide us uninterrupted use of their credit card and I request reimbursement of all financial losses and fees incurred as a result of their breach of contract. Additionally, I would like to request Citi to review how they block and unblock their cards, change their policies to be consistent, and train their representatives to provide correct and complete information.
Complaint sub-issue: Debt is not yours

I am showing on my credit report that an account was opened up on XX/XX/2018 for XXXX XXXX that I owe {$370.00}. I did not open any account on XX/XX/2018 and I need to have this removed from my credit report. I believe this is yet another account that may have been opened fraudulently due to identity theft because my information was expose in a data breach from XXXX.