Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

As of XX/XX/18 my available balance has not match my correct running balance. 

I attempted to make a payment with my debit card and was being advised my card was declined. Upon investigating I determined my current balance is missing {$50.00} and isnt reflecting accurately with my running balance. 

I contact my financial institution on XX/XX/18 to fix the matter. At that time a representative reversed fees that were caused as a result of their discrepancy. 

He advised me he would submit a ticket to the appropriate department to rectify the matter and to check back in 24 hours. 

I called back the next day and had a ride XXXX on the phone who wouldnt acknowledge what occurred on the call the day prior and hung up on me when I requested a manager. 

I waited a week and called back on XX/XX/18 when the XXXX discrepancy was still their ... and that time I spoke to XXXX at extension XXXX who claimed to be a manager. He advised me that a ticket was not submitted on XX/XX/18 but he would submit one now and again to follow up in 24 hours. 

I called back on XX/XX/18 to see what the results were and was advised I needed to be transferred to their dispute department. They transfer me to extension XXXX, I was on hold for XXXX minutes and then the call dropped I called back on XX/XX/18 and spoke to XXXX XXXX extension XXXX who claimed to be transferring me to a supervisor queue, I was on hold for 30 minutes and then a new XXXX XXXX exstension XXXX was on the line saying I wasnt transfer to a surpervisor and was just queued back in to the XXXX line ... XXXX said he needed to transfer me to the dispute department ... he transfer to extension XXXX again ... at this point I have now been on the phone for over an hour ( screenshots provided ) I was now connected with a rep XXXX who claimed not to have an extension but said his employee ID # was XXXX, I requested to speak to a manager and he hung up on me ... 

I called back and dialed XXXX for dispute department and was connected after 30 minutes of additional waiting to XXXX extension XXXX in the dispute department, she claimed that my issue was a customer service issue and not a dispute issue and tried to transfer me back to the original department that has been trying to transfer me to the dispute department ... I advised her that wasnt going to be acceptable and I wanted to speak to a manager now. After having me hold for several minutes she came back and found a manager for me to speak to, she was unable to provide his name but said his extension was XXXX and she would be transferring now, I was Place on hold again for 15-20 minutes and no one came to line ... at this point on XX/XX/18 I had already gave two hours of my life to trying to resolve the matter on these calls alone To this day my actual balance does not match my running balance which is short {$50.00} Ive been tying to resolve this since XX/XX/18 and today is XX/XX/18 ... I have been getting the run around and have yet to be able to speak to an actual manager or anyone who can provide any real assistance Please help me XXXX XXXX.
Complaint sub-issue: Banking errors

Hello, I received a piece of mail from PNC bank personally addressed to me, offering a {$500.00} checking reward bonus after signing up and meeting the stated requirements.I have the piece of mail saved and scanned into PDF form ( attached ). 

I signed up exactly as instructed and chatted with a PNC agent to verify that all my application was complete and eligible for the mail offer. I then completed the requirements that were stated in the time frame required. PNC has not fulfilled their end of the agreement in paying the stated checking bonus. I have not heard anything back from them about this issue. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Strartin 0n XX/XX/XXXX and continuing on at a once a week rate until now I have been disputing the way that the XXXX XXXX file is listed on my report.I have listed, I have phoned in more than 10 times ( to each bureau ) and filed cfpb complaints stasrting back on XX/XX/XXXX in wich XXXX was the only of them to respoind but in wich they totally elluded my statement of their rep speaking to me on more than 1 occasion stating that if they did not have to use the resourses to repo and i did what they asked and found alternate financing that the account would not list in a negitive manor, it would list as 'closed paid in full ' and the fact that they list it nit only as a charge off completly what they said they would no they list it as less than full and I was issued a 1099 for any diffrence the trade in did not cover so that constitutes " paid in full " but no one has even acknowledged that either. 
*****According to the FCRA any and all evidence used against me to make a finding of a dispute of any reason, SHALL be submitted to the consumer upon request!!! ****** If I am correct they provide 5 days for acknoledgement of request and 30 days for responce, and i have recieved neither from any party iunvolved .At this point it appears to be a case of the credit bureaus and XXXXXXXX showing willfull knowing neglect of mt rights gaurenteed to me by the FCRA Iam enclosing for evidence screen shots of the complaints and dated and these are just 2 there are more and ask the cfpb rep handeling this complaint ask ( if nessicarry ) for the massive amount of disputes related to this 1 topic sir/maam there should be at least 20 per bureau The bureau are also gulty of violating my rights by refusing to block a file submitted by police report until the investigation wich According to the Fcra 605 ( b ) upon recipt of the police report filed with the ftc the consumer reporting agency SHALL block all files included in the report until said investigation. I sent a report on XX/XX/XXXX and the reporting agencies ( all 3 ) said they would not block them wich is a clear violation of my rigghts I am asking for {$1000.00} per violation on the reporting agencies and XXXX for failing to provide evidence or thoroughly investigate and that the exeter file be perminatly deleted and all files submitted in the police report be perminatly deleted and {$1000.00} per violation for the supression of my rights and damage they have let go on to my score despite my request to block fradulant accounts
Complaint sub-issue: Debt is not yours

Allied Interstate placed a collection against me in someone else 's name, contacted the company only to be told they couldn't help unless I gave them my social security number. Called the company they supposedly represent and they have no record of me owing a debt
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have two separate loans with this company and when I sent them two payments they purposely apply the payment to the wrong account. Over the years I 've paid more interest on the account than what 's been applied to the principal. I make timely payments and yet the amount that I owe has not been reduced at all. AES makes it almost impossible to paid off my student loan due to the manner in which it applies my money to the interest and principal.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXX.XXXX.XXXX.XXXX.XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX   inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX  	XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXXXXXX/XXXX/XXXXXXXX XXXX XXXX, XXXX, OH XXXXXXXX  	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX  	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX  	XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX	XX/XX/XXXXPlease remove the following telephone numbers from my credit report : (XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXXXXXX(XXXX) XXXXXXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX
Complaint sub-issue: Company closed your account

I have a XXXX balance maintained with automatic payments. The credit line is over 10 years old and secured. 
For two weeks I have been receiving automated calls with only two seconds of audio from PNC bank. Trying to log in online or call in results in a message my account access is suspended. 

Speaking to customer service only gets me directed to a physical location because the account was closed with a XXXX balance, zero transactions in six months, no notice and no authorization on my part. 

No one will explain why PNC decided to revoke my 10+ year old account, where my security deposit went, why it was closed without my consent or knowledge or how they can fix their error.
Complaint sub-issue: Account information incorrect

I have contacted LoanCare regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the Natural Disaster of C19. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those two years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told LoanCare the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information from my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Please provide documentation bearing my signature of these accounts. Delete these records if can not be verified. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Account status incorrect

I refinanced my home in order to use the equity to pay off debt. My due date with Lending Club was XX/XX/XXXX. There is a 15 day grace period. My mortgage refinance didn't close until XX/XX/XXXX. The Mortgage company sent me checks which were already made out to my creditors, including Lending Club. I received the checks on XXXX XXXX and put them in the mail that day. ( With excitement, I might add. ) All my creditors except for Lending Club posted the payment to my account on XXXX XXXX. 

Lending Club claims that they post payments when they receive them. However, they did NOT post the payment to my account until XX/XX/XXXX. Then they reported me over 30 days late to the credit bureaus. The check they received is even dated XXXX XXXX. There is no way it took them 2 weeks to receive the check. Their delay in posting the payment resulted in me being reported 30 days late. This is the epitome of unfair. I called them to ask that they fix this error. The claim they did not err. So in affect, if you are 20 days late with Lending Club, they will report you as 30 days late after they dawdle with your payment. They have the envelope that the payment arrived in which shows the post mark arriving to them in XXXX. Not XXXX. 

Look at the uploaded examples of some of the other check recipients. They show that they were all able to post the payment on XX/XX/XXXX. The checks were ALL mailed at the same moment. No way did Lending Club NOT get their check on the same day the others did.
Complaint sub-issue: Personal information incorrect

my name is wrong and there is 1 previous address that is not mine I never lived there see XXXX XXXX for explanation
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report that is preventing me from getting a house. As of this day that I am filing this complaint, over 45 days later, I have yet to receive a response. While I understand with the current state of things that the bureaus may be understaffed and overburdened with request. However I do not feel like that is the case here, I feel like I am being taken advantage of and being ignored of my disputes.

These inaccurate and unknown things on my credit report are preventing me from providing decent living conditions for my family as Im trying to buy a home. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be looking to file for litigation due to the stress you have caused me and my family. Furthermore, my information was also impacted by the Equifax data breach and may have gotten into the hands of someone else.
Complaint sub-issue: Attempted to collect wrong amount

I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.
Complaint sub-issue: Account status incorrect

Good Afternoon : My name is XXXX. XXXX XXXX XXXX, and since XXXX I have consistently disputing two payday loans taken out in my name. After years of being turned down for mortgages and credit, I have finally given in and paid one of the payday loans off. However, one credit bureau improved my credit and wiped the slate clean of BOTH delinquent accounts, while the other two refuse to remove the PAID IN FULL account with clear proof from the agency with a letter. I have suffered enough as an XXXX who can not afford to even apply over and over to be denied a home because of fraudulent and inaccurate information. Then, when I put in for a dispute, magically the amount of the account goes up by a dollar and causes my credit score to decrease XXXX points each month. I want not only to have these issues rectified, but I want my credit score to go back to the XXXX it was in XXXX of this year or better because I am debt free except the college loans that remain as I am in XXXX XXXX  working on my XXXX. I know my rights, and under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), I could be owed damages for unfair practices.
Complaint sub-issue: Debt was paid

This company has placed a stop on my vehicle registration for supposed tunnel fees that they should not have been accrued due to me having XXXX EZ pass accounts for over 8 years. I spoke to a manager by the name of XXXX XXXX who was rude and unwilling to even listen to me. He tried to tell me that they have charged me {$53.00} per transaction for {$1.00} tunnel fees that they admittedly never sent me an itemization of from 2013. They apparently received my information from the XXXX XXXX XXXX XXXX, which I have only used about XXXX times in the past going to see XXXX, as I am a XXXX. This is an absolute scam. The manager told me that he was unwilling to release my registration with the Virginia DMV unless I paid him {$450.00} for my car and another {$400.00} for my SUV that I no longer even own. The state needs to do something about these companies praying on people to collect fictitious fees. I asked him over and over to give me dates because I am disputing this being that I have an EZ pass account with XXXX EZ passes. This is ridiculous and futhermore, if this was from 3 years ago, why havent they made any contact with me and why are they just now placing a hold on my registration? I contacted them when I found out about the hold while trying to register my XXXX. My SUV was registered with no issue back in XXXX. This should be illegal and the state should put a stop to these predatory practices. I am attaching proof of my EZ passes.
Complaint sub-issue: Information belongs to someone else

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. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX # XXXX, XXXX XXXX act # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Act # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, US bankruptcy XXXX Act # 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: Having problems with customer service

Even though I have been medically designated as totally and permanently XXXX and receive SS XXXX as my online income, AES student loan companies will not discharge my loans. My federal loans have been XXXX. 
I am unable to work. My minimum AES monthly bill is more than a third of my SS payment. SS XXXX is my only source of income. If the federal government acknowledges my XXXX then why AES. Also, the constant phone calls only make me feel worse everyday.
Complaint sub-issue: Banking errors

There was a promotion online that stated that if I deposited {$50000.00}, I would receive a {$700.00} Bonus. I clicked the link of the promotion to open my Citibank account on XX/XX/2021 with an opening balance of over {$50000.00}. I have kept the balance over {$50000.00} ever since. To date, I still have not received my {$700.00} bonus for completing the required activities. I would like to receive my {$700.00} bonus immediately. 
Thank you XXXX XXXX