Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble closing card

US Bank Reliacard has ruined my life My card was frozen in XX/XX/XXXX. This card account held every penny I had to my name. I complied with their demands and sent proof of identity, proud of address, both current and previous, as well as a forwarding address that I was at currently, and account information for verification. I sent it by email. I sent it by fax. I have it to them verbally. This went on until XX/XX/XXXX! In that time, while my card was frozen, I could not eat. I was stranded out of state, 700 miles from home. I then lost my home and all my belongings because I had no way to get home, or pay my bills, for three months. They cost me everything. They eventually mailed me what appeared to be a check in late XXXX. However, upon trying to cash the check. I could not. After numerous calls to US Bank Reliacard, they finally informed me I must take the check to one of their US Bank branches in person. There is only one of their banks in the entire state, and it is still over four hours away. Which was impossible. I never did make it to a branch in person. 

In addition, my wife had just XXXX XXXX, I'm told. I was not there. I have had to continue this ridiculous process yet again in an effort to retrieve the funds from my wife 's account. This has gone on from XX/XX/XXXX up to today, XX/XX/XXXX. Four more months have passed and I send them POA, MPOA, Affidavit of heir, other notarized documents indicating my status as next of kin, Agent by proxy, and court stamped documents naming me Adminstrator off my wife 's estate. I have sent images of her social security card. Images of both our drivers licenses. I have sent them her death certificate. All have been sent over 20 times. Five times a month, for over for months. They have not replied to any single question I have asked. They have not acknowledged receipt of emails or documents. They have done absolutely nothing to resolve this problem. Did I mention my name is even on my wife 's account? " In care of '' ... My name, clearly on the account with my wife, and yet they continue to ignore my rights and obligations. 

US Bank Reliacard had literally cost me absolutely everything I possessed in the entire world and has had nothing to say about it at all.
Complaint sub-issue: Reporting company used your report improperly

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts on my report. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 


XXXX XXXX XXXX Account number - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 an account without my handwritten instructions.
Complaint sub-issue: Account status incorrect

This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Ok so one XXXX XXXX I found out that my Reliacard account for my Pennsylvania unemployment was deactivated. I have been told lies and misleading information time after time not to mention being treated like garbage when calling customer service. I still as of today XXXX XXXX can not access my unemployment money and have been told there is nothing I can do at all I have to just sit and wait for the documents to be reviewed and the account to be reactivated. Problem is they don't notify you if the account is deactivated and the website, mobile app and automated system all say that my balance is available for use and has not changed this entire time. The department responsible for reviewing my documents and reactivating my account have no way to contact them directly and the customer service department has no authority to activate the account. I was told several times that once the documents were excepted it would be 24-48 hrs to reactivate the account and after sending countless fax of the documents I was told would be excepted I found out that what I was told about the expired drivers license was not true and had to go get a replacement so I uploaded everything once again for the 100th time and on XX/XX/XXXX they excepted the documents and now XXXX XXXX and they are still reviewing them. Now the people in customer service are telling me that the time frame to activate is not 24-48 hrs like I was told before by several different representatives but in fact it could take up to 15 days. This account is the only income I have and all the money I have to my name.
Complaint sub-issue: Account information incorrect

I paid my Citi Bank Credit card in FULL. Citi has reported me owing {$750.00}, but the account is paid in full. Attachments are proof of that
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
Here are the list of items that needs attention in my credit report : XXXX XXXX MXXXX  XXXX  XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$75.00} Medical XXXX Balance : {$21.00} Medical XXXX Balance : {$80.00} Medical XXXX Balance : {$210.00} Medical XXXX Balance : {$31.00} Medical XXXX Balance : {$310.00} Medical XXXX Balance : {$28.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Account information incorrect

I have purchased XXXX through XXXX XXXX  company paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full
Complaint sub-issue: Attempted to collect wrong amount

I had opened a phone account with XXXX XXXX in XXXX. I stopped paying on the account in XXXX ( exact date unknown ) when I lost my job and could no longer afford my phone. Eventually, the account went to a collection agency in XXXX I believe. However, my credit report shows the collection account was opened in XX/XX/XXXX but that is not correct. That may be when the account was sold to the current agency, but the account was originally reported in XXXX and therefore, is too old to appear on my credit report. I have disputed this with XXXX several times but the issue remains unchanged. I have contacted XXXX XXXX to obtain only the dates of which I opened my account with XXXX and the date of which the account was closed due to non payment. The representative I spoke with refused to provide this information to me because I was no longer a customer and was told I would need to contact the collection agency with any questions I had. However, if I reach out to the collection agency, this will restart the time for which the account will appear on my credit, another XXXX years. I am submitting this complaint against XXXX XXXX for the fact that they refused to provide me with information pertaining to my own account after providing requested personal identifying information to verify my identity. As a consumer, I should be afforded the courtesy of accurate information requested while investigating my own account information. Instead, I was treated unfairly and spoken to in a manner that was highly disrespectful. I believe XXXX XXXX is withholding information pertaining to my account unlawfully and I want this investigated immediately. Thank you
Complaint sub-issue: Account status incorrect

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Equifax via direct mail several times to verify the information reported. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to many accounts with different payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Equifax has not been able to verify any of the information reported, they are now simply saying that they have completed investigation but I haven't received anything in regards to the concerns addressed.
Complaint sub-issue: Trouble using the card to spend money in a store or online

My identity was stolen, I have social security XXXX and my daughter used my social security number for my benefits and credit with my social security number
Complaint sub-issue: Debt was paid

ON XX/XX/XXXX I submitted a complaint with the CFPB reference XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that XXXX XXXXXXXX XXXX XXXX provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount XXXX XXXXXXXX XXXX XXXX bought or sold my account for. I am currently working with a law firm who does pro bono work, and requested the above issues addressed. I have also filed a complaint with the Arizona Attorney General 's consumer complaint unit. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove
Complaint sub-issue: Received bad information about your loan

For many years, I have requested an accounting from ECMC as to all the missing and misapplied payments, inaccurate interest, in appropriate fees, collection costs, etc. I have never received the full accounting. All I get is the original note and a balance sheet that starts just a few years ago. I have sent many letters ( some certified ) requesting all of this information and have never received more. Every time an ECMC representative calls or emails, it is the same story that they no nothing about my demands, no adjustments have been made to my account and just want me to agree they are right and to agree to pay way more than I could possible ever owe. I 'm not going to agree and I should not have to agree to pay what ECMC wrongly believes they should be paid just because they say so. It 's wrong!
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request 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 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 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: Information belongs to someone else

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, Equifax and XXXX on XXXX/XXXX/2021 and XXXX/XXXX/2021 but nothing has been done. please help me with this matter.
Complaint sub-issue: Information belongs to someone else

To the associates overseeing the credit repair companies, I have been trying to correct my credit report because there is an account that is not mine being displayed on my report and it is very damaging. I have already contacted these credit reporting bureaus and disputed this account and the abuse I am getting from this company attempting to collect money I do not and have not owed and the companies refuse to show me a proper investigation. I was asking every one of them to tell me how this information was confirmed and what documents were received and reviews validations it and I have not heard from them or received anything. I do not owe these fund to this company and I have never heard of this company. This information was accidental ; y or illegal placed on my credit report. I do not know which is true but it must be removed immediately!
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$220.00} XXXX  XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a fraudulent card in the mail and have made numerous attempts to notify Cash app/ Block, Inc.. This is the second card I have received. Cash app does not have adequate service to protect consumers from fraud. Customer service department does not care to correct the issue. I have no faith that the card in question has been closed or reported as fraud. Numerous calls that have just hung up or placed on hold and never picked back up. They never asked for my name or contact information to confirm the account. I do not use this company in any capacity. Please help protect consumers from fraud with this company. Fraud is a serious issue especially if not handled promptly.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is a follow up to complaint XXXX I supplied Citi with sufficient information to process a dispute with a merchant. Citi delayed months on this complaint ; there were constant struggles getting the investigator to reply. Nevertheless, Citi 's delays were jeopardizing the ability for the dispute process to occur through Visa. Finally, after submitting a complaint from the CPFB - Citi responded with a letter ( which CFPB was in cc ) stating that their executive office would be proceeding with the dispute and the merchant had 45 days to respond but to allow them up to 60 days to communicate any next steps or merchant responses.

On XX/XX/XXXX ( 60th day from the date of the letter ), I contacted Citi to find out if the merchant had responded. The letter clearly states that if there is no response by the merchant by 60 days, the credit would become permanent on my account.

On that phone call, Citi informed me that they had forgotten to submit the dispute and they would be getting back in touch with me about " writing off '' the debt since they clearly neglected to follow the steps they stated in their letter. I have a voice mail saved from their executive office that I would have a phone call with an answer by close of business tomorrow ( XX/XX/XXXX ). I've never received that call and have placed 15 calls since then at various times of the day - so far, I have left 3 voice mails with no reply.

On XX/XX/XXXX, I received a letter in the mail that I have also attached to this complaint. This letter was dated XX/XX/XXXX ( after the 60 day expiration ) - it now states that they will be working with the merchant and will let me know the reason if they can not get an agreement for a refund. Obviously, this letter contradicts the first letter and demonstrates egregious neglect and/or abuse of a process that I was entitled to when I signed up for the terms of service with using their card.

The CFPB feedback window on the first complaint expires in 60 days from the date of the original complaint ; therefore, I was unable to add these follow up action details. By filing a new complaint and making the CFPB aware, my hope is that they were not able to slide through the first complaint to seemingly comply and satisfy the issue.

My consumer abuse experience is evidence that the lack of action for my qualified dispute is a clear breach of their cardholder rights under the terms of service offered when I signed up for the card. Depending on the response to this complaint, I have been requested to submit all compiled information to the Attorney General 's office for actionable review.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I filed a dispute for two transactions I'd previously authorized to be taken. The funds authorized were to pay for my minor son 's registration fee to play in an out of state Football game. He was to travel from NJ to FL for 5 days to practice with his team, have a game and travel back home. 
I only spoke with his coach ( who coached him XX/XX/XXXX ) regarding this event, the fees, the entire set up. I emailed with two other people associated with XXXX XXXX  regarding jersey numbers only. 
The day they were supposed to leave ( XX/XX/XXXX ) the coach advised he was not able to provide the transportation that we'd agreed upon and that my minor child would need to travel the 20 hours with unknown adults in order to attend the event. 
I declined and requested a refund of the registration fees, to which he verbally agreed shouldn't be a problem. I immediately requested a refund of the funds as I had not been advised otherwise and felt this was a breach in contract because transportation was no longer being provided. 
PNC bank did some type of research and declined my dispute and drafted {$150.00} out of my account today leaving it negative. 
I was never told that I could not have my money back, I was advised verbally that I would be fine to request a refund. The contract I entered online to make the payment was for a flag football team I have no knowledge of so even that contract was null and void as the event was not flag but instead full contact football. My son was one of two children left behind and I have text messages providing proof XXXX XXXX acting as an agent for XXXX XXXX  in my eyes.
Complaint sub-issue: Account information incorrect

On XX/XX/2022, I, XXXX XXXX, sent out a letter to XXXX XXXX XXXX  because I became aware through my consumer reports, that they were violating my rights as a consumer. 

Pursuant to 15 U.S. Code 1681a 2 ( A ( ) i ), XXXX XXXX reported my experience with them onto my consumer report. Giving information out concerning my utilization activity. 

I never gave XXXX XXXX any written permission to report such experiences onto my consumer report. Pursuant to 15 U.S. Code 1681b, again I have been violated. 

As a consumer, XXXX XXXX has not respected my right to privacy, pursuant to 15 USC 1681 ( a ) 4.
Complaint sub-issue: Attempted to collect wrong amount

I filed a complaint with FedLoan Servicing about the misreporting of my timely payment. I have asked them to update the information to current going as far back as 2015 when my loans was handled by the Dept of Education/XXXX and South Carolina XXXX XXXX. I'm not sure if when the loans was transferred there was an error but I would like for it to be fixed. I have reached out to the company on two separate occasions to no avail. She there response below.
Complaint sub-issue: Information belongs to someone else

I contacted the  XXXX  to notify them that they were reporting some incorrect information to my report. I requested that they validate this information and as of today they have not responded to my request.
Complaint sub-issue: Contacted employer after asked not to

Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via US mail, which i never received and told me I had 1 hour to contact them back or it was too late