Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

I have a Checking Account with PNC. My account became overdrawn because PNC decided to pay for some charges for {$4.00} and {$6.00} and {$10.00} and so on. PNC covered maybe 6 or 7 charges. Yes this was an oversight on my part, however, they should have just rejected the charges, instead they paid it off and charged me {$36.00}. They gave me about 6 or 7 {$36.00} charges and then they charged me and still charging me to this date {$7.00} a day for a continuous daily overdraft fee. That is absolutely ridiculous. If I could NOT pay for a {$4.00} charge why would you charge me more and more daily. Insane. So now im getting all these harassing calls from PNC not to mention my account is now at about {$400.00} in the negative and they are still charging me {$7.00} per day. Can someone please help me out on this. I am a XXXX XXXX and my pay check is deposited directly into my checking account and they know this so that 's why I am being taken advantage of. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$32000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have student loan under my name and cosigner, with XXXX since XXXX which is a Federal student loan service provider and does not service Federal student loans. It only provides service for private educational loans. I was making auto debit payment option that offers me the peace of mind that comes with knowing my loan payments are being made accurately and on time. In XX/XX/XXXX, I notice my credit score drop by over 100+ point, and found out that it was missing of few payment on my loan and, I then contact XXXX for more explanation. I was told that my cosigner file Bankruptcy, because of that they did not take my auto debit payment, they just report to all credit bureaus with out my knowledge. XXXX did not send me letter or email or get no single call. They did said they will try to fix the situation, by this time damage was done. I was on process of buying house to my family, and I get deny because of this. Somehow it have been fix but it was too late. And then they did it again on XX/XX/XXXX with same unfair reason. My credit score drop by huge number again. I was told that I am not able to sign for auto debit payment no more and XXXX can not contact me or send me reminder for payment, I had to remember every month to call and make payment because the status of the loan is bankruptcy. why me? I am human I could forget payment, and XXXX did send reminder to every customer who are late from their payment but not me. I am the one who took the loan and I never say I would not pay. I only own {$290.00} from XXXX total. Its not fair for my family going through all this and pay all this price just because my old cosigner file bankruptcy. I am still paying but all I asking them that to fix the situation which they told me not this time. This matter affect my XXXX little kids life and my whole family. its cost me a lots to fix their first mistake and now back to problem. They are so fast to report late payment without one single attempt to contact me is affecting so many life.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a Dispute to Equifax. I received a bill for monies to an apartment that I lived in before I purchased my home last year. The apartment complex sold the bill to their collection agency, XXXX XXXX XXXX. I submitted proof that I paid the account in full prior to moving out of the unit, as well as proof that I was cleared to move out and did not owe any further monies to the apartment complex. This was signed by myself and the apartment management. When I received the bill, I emailed the new apartment manager and asked her to please take care of this. She said that she was no longer legally allowed to communicate with previous tenants once they move out, per corporate policy. I submitted my proof to the corporate office, who said that they were unable to speak to me since it had been sent to their collection agency. The collection agency denied my proof of payment. I sent my proof of payment in full and my documentation to show that when I moved out I did not owe a cent and I was on good terms with the apartment complex. Equifax said that their decision was that the debt was accurate and would remain on my credit file. What more do I need to send to show Equifax that I do not owe this debt? I thought that proof of payment and email correspondence between myself and the apartment complex was substantial. Can you please tell me what else I need to send to have them remove the account? I can't afford to sue them, but I don't know what else to send besides receipts from my bank account and correspondence from the apartment complex that shows I owed nothing on moving out and was in good standing. I also found that this apartment complex has many different complexes and is owned by a huge Corporate office and they have a history of sending bills for frivolous charges this to consumers after moving out and refusing to speak to them. Thank you very much for your assistance.
Complaint sub-issue: Contacted your employer

Coachella Valley Collection Service called me to reach out to my brother, I was at work but the lady with the name of XXXX called me every 2 minutes, including my work number, after I called her supervisor / XXXX, he promised they don't call my employee anymore, but when I came back to work, my coworkers told me they called again. 
when I told XXXX the law doesn't let you call my employee, she just screamed at me REALLY??????
Complaint sub-issue: Their investigation did not fix an error on your report

I hav e 3 cur rent complaints with Equifax. First, they have blocked my credit file from me. I have tried pulling my Equifax report through Equifax  Credit Monitoring, i have  tried through  XXXX  and  XXXX , all for some reason are not able to get my credit report. As far as i know, it is illegal to block access to a consumer 's own credit report. Second, for some reason they decided to delete all the accounts from my credit file to which i am an authorized user. This was never requested and is clearly the credit bureau taking adverse action for their own convenience. Third, i sent them a request to invoke my rights under FCR A 605B to bloc k the reporting of fraudlent accounts. I sent them the FTC letter along with proof of identity and they also seem to have ignored this as well. Equifax has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCRA  605b which m andates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FC RA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provide d in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a   statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Didn't receive enough information to verify debt

I just received a response regarding a previous complaint. The response contained attachments relating to named, XXXX XXXX, who is obviously not me. 

Not only is this irresponsible and egregious, sharing personal information of another consumer is just ridiculous and careless. 

All of the attachments belonging to XXXX XXXX are attached. 

XXXX XXXX
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, to about 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated 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 60 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans fro m  XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.
Complaint sub-issue: Investigation took more than 30 days

My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX XXXX XXXX XXXX. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. XXXX XXXX XXXX has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to XXXX XXXX XXXX and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!
Complaint sub-issue: Their investigation did not fix an error on your report

us dept of education has two accounts appearing wrongfully on XXXX, XXXX  and equifax ... ..they are both account no.s XXXX and XXXX..BOTH OF THE ACCOUNTS HAD A FINAL PAYMENT XX/XX/2011.both of the accounts have been delinquent since XX/XX/2011 and never were brought current.So according to the FCRA both of the accounts should have been removed from all of my credit files about 1.5 years prior.THE DATE OF FIRST DELINQUENCY IS IN XX/XX/2011.THIS IS CAUSED BY MISREPORTING OF THE CREDIT HISTORY.THIS IS A VERY GRAVE ERROR ON THE PART OF THE CREDITOR AND BUREAUS.THE BUREAUS INVESTIGATION MUST INCLUDE WHAT I HAVE JUST STATED AND BE DELETED.ANY OTHER BEHAVIOR WILL LEAD TO INJUNCTION OF THE SUIT IMMUNE CREDITOR AND A STATUTORY WITH LIKELY PUNITIVE DAMAGES AGAINST THE BUREAUS.BEING A REPOSITORY CARRIES OTHER FCRA DUTIES SO WITHIN 30 DAYS ALL BUREAUS MUST REMOVE THESE 2 ACCOUNTS BECAUSE WHAT I HAVE SAID IS FACTUAL.
Complaint sub-issue: Account information incorrect

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/XXXX  is reporting {$27000.00} and Equifax is reporting XXXX if you all are getting the information from the same collector why are the numbers different? this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. plz see attachment below
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX I filled out the Fedlaon application for loan forgiveness since I had been paying loans for over 10 years and worked for a non profit hospital. I received a letter saying that they were waiting to receive information from all my lenders. On XX/XX/XXXX I logged into their online account. On XX/XX/XXXX I inquired about the why I was now paying them and not my previous lender. On XX/XX/XXXX I again inquired about the missing second loan. The beginning of XX/XX/XXXX I called Fedloan because the monthly payments were different than what I had been paying. 
I told them that I was concerned my balloon payment the last two years was going to be over {$500.00}. They did not care. I asked them if I could set up an automatic withdrawal with another amount and they said they could not do this. At the same time I also realized while on the phone that I was truly not eligible for loan forgiveness. 

Had I know I would not qualify I would have left my loan with the other lender. Nowhere did it say that the loan would be turned over even if I did not qualify. I was under the impression that they would keep track of my loan status and let me know if I became eligible. 

My loan is now going to take a couple of months longer to get paid.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

A month after covids happens, Citi decided to lower my credit limit to the current balance amount. The problem that happened with that is that it made it show as 100 % utilization which affected my entire credit score to lower it by a whopping 70 points. Nothing else changed and in fact I  just payed off XXXX in revolving debt just the month prior. So the fact that they cut that limit was the only contributing factor to the credit drop as nothing else changed. It's my highest use card now. I payed off the entire XXXX now and even a month later it still showing up on XXXX   ( see one of the pictures attached ), but that lower limit hit almost the next day on credit reports. I attached my credit unions score which is higher than XXXX XXXX at XXXX. I'm in the best finical position I've been in years and yet the lowest credit score wise. I think Citi did this on purpose to push me over but I stopped using credit. I also missed out on a XXXX consolidation loan ( would have been easy with my XXXX I had months prior ) with XXXX income base plus another XXXX in bonus on top. 

I was declined, I think they should be held liable for all the interest they charged me and what else they stopped me from saving or investing. 

Citibank I think purposefully targeted people to go over their limit and make their credit score drop like a rock. There was no notice of the credit limit decrease, only after it happened. I'm lucky, I used credit but I have 6 months of payments covered ( and life ) because I got lucky and all credit use was non structural and frivolous events. So I just stopped using in then payed it off. This is so criminal that I have no idea how many people they got in this scheme in the last 6 months.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Equifax was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Complaint sub-issue: Was not notified of investigation status or results

I hope everything 's going alright! I sent you a dispute letter on XX/XX/2021, but I haven't heard anything from you, and its been over XXXX days already. I await for your response and I need those errors on my report to be deleted as soon as possible. I am reattaching my most recent dispute letter so please check and conduct a proper investigation.
Complaint sub-issue: Denied request to lower payments

I am trying to obtain relief due to the pandemic. We are one month behind and my husband is now out of work. I am very concerned as we are nearing the end of the loan term and can not make a payment this month. 

I tried to request an extension but the hold times are unbearable as I am working from home with XXXX small kids. Please help us obtain an extension and the available protections due to COVID. 

Thank you!
Complaint sub-issue: No notice of investigation status/result

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to* promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you
Complaint sub-issue: Information belongs to someone else

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. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 Chapters View
Complaint sub-issue: Charged too much interest

On XX/XX/XXXX I transferred a balance of {$1100.00} to my Citibank credit card. At this time, I was taking advantage of a promotional offer of 0 % apr on transferred balances. This promo apr was to expire on XX/XX/XXXX. 

At the time of this transfer, I also had an existing fixed-repayment balance on this card, something Citibank calls a " flex loan. '' This " flex loan '' balance is and was subject to a apr of 6.99 %. 

As my most recent statement, dated XX/XX/XXXX, confirms, the promotional apr rate for transferred balances expired on XX/XX/XXXX, increasing the apr on the remaining {$700.00} from my balance transfer to 22.49 %. 

On XX/XX/XXXX, I reached out to a Citibank representative to confirm that any payment above the minimum payment due ( {$330.00} ) would be applied to the highest apr balance, in accordance with federal law. I had this conversation over online chat, and I preserved a screenshot of the conversation. This was my third time reaching out to Citi. I had wanted to make the payment sooner so as to be doubly sure of avoiding any extra interest charges, but I was told expressly that so long as the 0 % rate was in effect any payment would be credited to the 6.99 % " flex balance. '' I was further instructed that I had to wait specifically until the XXXX XXXX XXXX in order for my payment to be credited toward the balance-transfer balance, which by then would be the higher apr balance ( at 22.49 % ). 

In accordance with the guidance I received from Citi, I initiated a payment on XX/XX/XXXX for {$1000.00} ( the amount of the minimum payment due plus the remaining balance-transfer balance ). Incidentally, when I initiated this payment through Citibank 's website, the website expressly confirmed that this was the amount I need to pay to satisfy my " flex loan '' payment and pay off what Citi calls on my statement the " adjusted new balance '' ( not a new balance at all in fact, just the remainder of the original balance transfer from last XXXX ). 

My statement indicates however that the payment was allocated entirely to the " flex '' balance. I still have a {$700.00} balance at 24.49 % apr. 

I reached out to Citi on XX/XX/XXXX to ask them to correct the misallocated payment. The agent told me that there was an " accounting issue '' with my card. I asked to be transferred to a supervisor, after which the supervisor, XXXX, told me that Citibank would " review '' my account and " give a decision '' after XXXX business days. 

I really have a hard time believing that these kinds of practices on the part of the banks are innocent accounting mistakes. In this case I made a good-faith, proactive effort to confirm that I was timing my payment in such a way as to ensure that it would be credited to the higher-apr balance. Citi seems to have ignored both the law and what they claim is their own policy, and they have saddled me with a balance that is still accruing exorbitant interest charges as we speak. In my view, Citibank 's behavior in this matter is quite predatory and clearly illegal.