Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Cashing a check

I depositeda cashier 's check XXXX/XXXX/XXXX, at my account in Key Bank ; checked bank XXXX/XXXX/XXXX and teller said funds would be available in morning, XXXX/XXXX/XXXX. I received cashier 's check per XXXX XXXX mail received - letter is attached. I transferred 2 money grams to address assigned, after checking account for availability of funds. Each was {$930.00} and each cost was {$11.00} per transaction. I work 2 jobs and also received pay from 1job on Friday XXXX/XXXX/XXXX. I periodically checked account through the weekend and had over {$300.00} in my account. I checked account Monday XXXX/XXXX/XXXX and was over {$1900.00} negative. I called customer service at Key Bank at XXXX PM and was told it was just a hold on the check. I asked if I should put a hold on my account so no other funds would be withdrawn, but was assured by rep that balance would be over {$300.00} in morning. I called customer service today, Tuesday morning at XXXX and was told same, by XXXX it would fall off and balance would be positive. I checked at XXXX : and still negative. I called customer service and was told it was not valid, no funds available and to try reaching out to XXXX XXXX. I assured him that I had been trying. I went to the Key bank in XXXX and was given the # for fraud. I went home and called the fraud department and asked about reimbursement and how I could have carried out transaction if funds not available. I was told that they did not have anything to help but filed dispute. I do not want to see anyone else go through this but also feel the bank has to be responsible for misrepresentation. I am terrified as my direct deposits from work will continue to go toward a negative account that just continues to go in the negative. I ca n't pay bills, buy food or anything and I am really terrified.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Date : Sun XX/XX/2018 Amount : {$170.00} Company : Discover There was a transaction about XXXX and I filed a dispute about the incorrect charge. After receiving the dispute, XXXX rightly cancelled my hotel reservation without notifying me about anything. I contacted Discover to increase the dispute amount and hope to get the entire charge back since the transaction is no longer valid. 
However, Discover refused and kicked the ball to XXXX. Discover customer service said, " you can only dispute once. There is nothing we can change and do to help you. ''
Complaint sub-issue: Reporting company used your report improperly

Equifax is in violation of 15 USC 1682 by furnishing my consumer report without permissible purposes.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX XXXX  XXXX XXXX Account # XXXX 7. XXXXXXXX XXXX XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A 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: Confusing or misleading advertising about the credit card

I obtained a Citibank credit card to take advantage of their balance transfer offer which at the time was 0 % interest. I performed the first balance transfer of {$3000.00} on XX/XX/XXXX. Interest would be deferred until XX/XX/XXXX. The first balance transfer I obtain is noted as ( Offer 4 ) on the monthly statement. I performed another balance transfer of {$2000.00} on XX/XX/XXXX with an interest rate of 1.99 % and interest was noted as deferred until XX/XX/XXXX. The second balance transfer I obtained is listed as ( Offer 6 ) on the monthly statement. 

I made the monthly payments above the required minimum payments and notice that my monthly payments, which were always above the normal monthly required amount, was being applied to balance ( Offer 6 ) in which interest was deferred until XX/XX/XXXX and was not applied to ( Offer 4 ) in which the balance must be paid off by XX/XX/XXXX. As a result, if the balance on ( Offer 4 ) was not paid by XX/XX/XXXX, all interest incurred starting with XX/XX/XXXX would be added to any outstanding balance which was not paid by XX/XX/XXXX. I was led to believe my payments would go towards the first balance transfer, ( Offer 4 ) first and that I had until XX/XX/XXXX to pay off ( Offer 6 ) in the amount of {$2000.00}. I have a outstanding balance currently of XXXX. By the time my complaint is read I will have the balance down to {$1000.00}. It is very misleading when Citibank extends a balance transfer in which the rate is good until XX/XX/XXXX however, they subject the consumer to an unfair pratice by applying the payments to the higher interest rate which in my case is ( Offer 6 )  subject to incur interest charges on balances outstanding after XX/XX/XXXX. I am sure I am not the first individual who has taken advantage of more that one balance transfer at one time and this is truly an unfair practice to the consumer. I contact the bank 's customer service department and I was told I must pay off balance ( Offer 4 ) in which the last statment showed an amount of {$2100.00} by XX/XX/XXXX. Which does not make sense because my current balance as of the last statement was {$1900.00}. Balance ( Offer 6 ) showed a balance of {$110.00} which showes my payaments were applied to the higher interest rate offer ( Offer 6 ) which I had until XX/XX/XXXX to pay in full. Once again, before interest was applied.
Complaint sub-issue: Reporting company used your report improperly

Account XXXX XXXX XXXX XXXX XXXX  # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Complaint sub-issue: Didn't receive advertised or promotional terms

I recently signed up for an XXXX XXXX AAdvantage card from Citibank. After I received the card in the mail I called and asked to have how I earn miles explained. I was told how the miles for purchases were calculated and also that if I spent {$1000.00} I would receive " bonus '' miles. After I spent this amount I called to ask when these miles were posted and told that I was not in fact eligible for this offer, which made me wonder why in fact 1 ) the offer to sign up for the card mentioned this " bonus '' and 2 ) I was encouraged to spend {$1000.00} in order to receive the bonus. 

I find the conflicting information given by Citibank confusing if no outright dishonest.
Complaint sub-issue: Investigation took more than 30 days

on the date of XXXX i submitted a dispute to Equifax in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the equifax data breach and it seems as though Equifax is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and thta date was well over the alloted 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information
Complaint sub-issue: Information belongs to someone else

Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX Opened XX/XX/2013 Fraudulent account open in my name i did not apply for a XXXX  XXXX credit card nor did I receive this credit card or authorize anyone one to apply or use of this credit card this account is identity theft
Complaint sub-issue: Reporting company used your report improperly

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. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX {$300.00} Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$4800.00} Account name : XXXX XXXX XXXX  XXXX {$1300.00} Account name : XXXX XXXX XXXX XX/XX/XXXX {$560.00} Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$190.00} Account name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$180.00} Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1800.00} Account name : XXXX XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX {$1900.00} Account name : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$540.00} Account name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$450.00} Account name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1900.00} Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. {$1300.00} Account name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Account name : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$0.00} Account name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$820.00} Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2800.00} Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Account name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} Account name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} Account name : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$180.00} Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} Account name : XXXX XXXX XXXX XX/XX/XXXX {$730.00} Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Account name : XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} Account name : XXXX XXXX BANKRUPTCY XXXXXXXX XXXX XXXXXXXX XX/XX/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.
Complaint sub-issue: Account status incorrect

Opened account in early XXXX to buy a used car. Got medically cleared to join XXXX and left right away, reporting on XX/XX/XXXX. Never made a payment since leaving for the XXXX. End of XXXX and all of XXXX, company said I made payments of {$0.00}. I never made any payments. After 10 years, they finally claim to charge the account off. This account should have been charged off over back in XXXX. It is not past 10 years and they are still reporting it to my credit report. This is well beyond the seven year mark of reporting. Also they a past the statue of limitations in WI which is 10 years.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX Tel : ( XXXX ) XXXX Email : XXXX SS : XXXX Dated : XX/XX/2020 To Whom it May Concern : On XX/XX/2020, I received notification from XXXX, XXXX and TXXXX regarding a collection matter. I immediately open my credit file and saw that Afni place {$360.00} collection on my credit report reducing my score by 26 points. I have struggled very hard to pay my bills on time and as a result of Afni my credit score falls to shambles. I immediately called Afni and notify Afni what had happen and that Dept was a fraudulent Dept with XXXX. Afni bought a fraud Dept from XXXX not knowing the history and used that fraudulent Dept to cause severe damage to my credit report which will not allow me to get credit, or get credit at a higher interest rate and have banks reduce my credit limit. Afni is responsible for the damages done to my credit report and Afni needs to get this matter resolved immediately. Under the fair credit Act Afni violated the FDCA. I believe under this violation I am entitled to collect {$1000.00} in statutory damages. I was in the process of buying a home and because of the damages by Afni, I will not be able to buy a home for my family. Afni contact information is XXXX address XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Very truly, XXXX XXXX
Complaint sub-issue: Received bad information about my loan

My student loan has been transferred to various lenders. I have been trying to find out the history of where my loans ordinated, and who " touched '' it along the process. For over 5 years I have had collection companies call me wanting me to aggressively pay the debt or go into a rehabilitation program and could have 5 dollar monthly payments, yet they will tack on additional 3 grand for their fees. So I 'm in debit and can only pay 5 a month, yet they get to add on 3 grand more. Most recently I have been dealing with XXXX/College Assist. Here are my complaints and have audio phone calls to support my claims. 
Companies miss represented themselves to me throughout the process. 
College AssistXXXX would never allow me to talk directly to them. 
I asked multiple times for information of my loan about where was it, who had it or even give me a financial balance statement since its conception. 
Company sent me financial document via email to me that was not mine, which causes concern of credibility and I believe it violates Electronic Communication Act of 1986 ( ECP ) 18 U.S.C. 2510-22 This last Credit Recovery Company XXXX in XXXX states they are a Government Acency, but they are a Credit Collection Company. Not part of the USA Government. 
As a result of College Assist/XXXX practices, I have accrued over {$1800.00} in extra interest and {$2800.00} in recovery fees. 
One credit company XXXX XXXX did not respond to my letter stating that I disputed the claim and XXXX failed to respond and " sat '' on my loan for over 12 months. 
There are many other deceptive practices that have happened. 
I do have recorded phone calls with these various credit collection companies to document their false claims and deceptive practices. 
I am in the process of hiring a transcriber for these calls. For presentation in my case. 
I also have other written communications to Credit Companies and they failed to respond or act on my inquiries Federal Student Aid website says College Assist owns my loan. They are then acting With XXXX ... but XXXX has turned over the loan collection to XXXX. See above complaint. XXXX has totally violated my rights. 

Lastly..I looked at my credit report and shows XXXX Student Loan has been reporting to the credit since XX/XX/XXXX as negative. So who is this company now??? 

Now do you see why I have n't been able to get any reliable information and support to rectify my student loan delema? 

Who really owns my loan???? 
XXXX College Assist XXXX Since XX/XX/XXXX my loan went from XXXX to now XXXX!!!!!! 

PLEASE HELP ... ..PLEASE HELP ... .WHAT AM I TO DO??? 
College AssistXXXX has started the Garnishment process ... ..
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Bank has not extended options for help during pandemic. Covid-19 has affected my ability to pay debt on credit card. I have asked twice, and both times received a message of not being eligible, once in mid pandemic and again today. I believe my account is on a list, where no one can help, because usbank also chose to close my accounts for no good reason. I have made payments, but do know other cardmembers have been offered help during these times.
Complaint sub-issue: Account information incorrect

XX/XX/2020 XX/XX/2020 Sent 609 letters for verification for old debts and wanted them to be removed due to it being incorrect and old
Complaint sub-issue: Account information incorrect

I am making complaints about two separate issues. The first being the presence of 3 accounts that are inaccurate and the creditor has requested a tradeline deletion that Equifax has choosen not to honor. the following creditors have confirmed their submission of a universal data form requesting their tradeline be deleted from my credit reports : XXXX/XXXX brands, XXXX and XXXX XXXX/XXXX brands. The second being inaccurate payment history being displayed on my credit report for my student loans with XXXX. XXXX has repeatedly inaccurately reported late payments for the period of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During these period of time, I requested a forbearance for my accounts held by XXXX. The forbearance was granted and my financial obligation to repay the loans for those months was removed. Despite not being obligated to repay during those months they are reporting as late. I have requested copies of my approved forbearance requests and have only received copies for the XX/XX/XXXX year and am still waiting for the XX/XX/XXXX transcript.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX  XXXX XXXX
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 items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number XXXX XXXX