Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Complaint sub-issue: Other problem

I had a CITI credit card and I was paying at least the minimum charge via a transfer from another Bank. 

Last month I was informed that my card was cancelled, they would not tell me the reason until I received a letter in the mail, that said that they had tried to retrieve the payment from XXXX  XXXX XXXX and that there where insufficient amounts ( which is impossible ). What I am being told now is that they actually closed the account because I had insufficient funds three times ( again, impossible ), and that each time they let me know by email. I do not have any email from CITI about any of these supposed three times, actually, I have all the emails saying that I paid the card. 

Now, they are charging me an impossible to pay interest rate. I am paying every month, but each month they increase the interest rate, telling me is because every time that they could not get the payment they have increased the interest rate. I have asked them to explain the process, and they say is because of the three times they tried to collect. Nevertheless, they just increased the interest rate, the times do no match.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Acct # 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: Their investigation did not fix an error on your report

Incorrect information reporting on my credit report.
Complaint sub-issue: Can't close your account

I had a statement credit when I closed my account with City National Bank and I was told by the representative that this overpayment would be refunded via check. This has not occurred in over 2 months.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I purchased a {$500.00} XXXX XXXX XXXX, and it was declined for an online purchase. I called and told I needed to register my card and they sent me to an automated line. But when I type in my card number I get sent directly to a XXXX and am unable to change the pin or register the card. They then tell me to use in in store. Again it was declined. I call again and they say I need to change the pin and again send me to the automated system, or direct me the the website, XXXX, which tells me there is a problem with my card and to call customer service. After about the 5th phone call in which the XXXX states that in order to send me new card I need to go to the automated system to first register my card. But again the automated system does not recognize the card number and directs me to a different csr. And the entire cycle continues. This is a XXXX XXXX XXXX purchased from a XXXX XXXX XXXX XXXX sold by US Bank.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2020, I submitted a identity theft report to Equifax in reference to several accounts that were not mine. All of the accounts were removed from my report. On XX/XX/2020 Equifax reinserted account number XXXX XXXX XXXX XXXX XXXX back on to my credit report. On XX/XX/XXXX, I mailed Equifax a letter requesting the removal of the account due to the fact that Equifax had not submitted, in writing to me within the required 5 days that the account was reinserted as required by the FCRA. Equifax received the letter of XXXX XXXX. Equifax then changed the report date again to XX/XX/2020 to account for the missing 5 days. On XXXX XXXX i then received a letter from Equifax dated XXXX XXXX which would still violate the 5 day rule as it states that I was to RECEIVE a letter of notification WITHIN 5 days, not dated within 5 days. As of today, Equifax has not removed the account as they are in direct violation of the FCRA guidelines and I am demanding that the account be removed. All supporting documents are attached.
Complaint sub-issue: Deposits and withdrawals

User email XXXXXXXXXXXX on XX/XX/XXXX I withdrew {$1900.00} from my coinbase XXXX account that was supposed to be deposited into my XXXX XXXX account ending in XXXX via Wire the reference code to that transaction is XXXX I never received my money and it has been 24 days coinbase website states their service assures that a wire takes no longer than 10 business days. I contacted my bank thinking maybe my bank rejected the deposit and they told me there is no record of my money being into contact with them. On XX/XX/XXXX I wrote coinbase support a email XXXXXXXXXXXX they told me it probably still pending. So on XX/XX/XXXX I contacted coinbase through their customer service phone number XXXX ( XXXX ) XXXX the representative told me the transaction says complete and I should have my money. After that she says she will make a complaint to the transaction escalation department and that they will be getting in contact with me through email. It is now XX/XX/XXXX and I have yet to hear from them. I still have {$2000.00} on their account and I am scared to withdraw with the fear of the same situation happening. I made withdrawals before with success never had a problem with coinbase until now. I am uploading a picture of the transaction with coinbase dated XX/XX/XXXX and my bank statement from XXXX to XX/XX/XXXX that proves there is no wire from coinbase
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is in reference to complaint number XXXX. The company 's response : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Complaint sub-issue: Investigation took more than 30 days

In XXXX of XXXX I contacted XXXX and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. XXXX told me they understood and then reported the loan late to XXXX 30 days. 

In XXXX of XXXX I actually contracted XXXX and was sick for nearly 90 days. I again contacted XXXX and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to Equifax 60 days late in XXXX. To XXXX  XXXX reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.
Complaint sub-issue: Received bad information about your loan

The Pennsylvania Higher Education Assistance Agency, which operates under the name XXXX XXXX, allowed simple bureaucratic errors or omissions in the mismanagement of my XXXX   grant. 

This mismanagement resulted in the conversion of my XXXX grant into a loan that must be repaid with accrued interest. This is despite the fact that I was meeting the programs XXXX requirements ( XXXX   high need subjects in XXXX XXXX ). The actions of this company have jeopardized the final futures of many XXXX   across the country. 

I contacted XXXX about the error in not sending me my XXXX   grant paperwork directly by mail electronically or physically, and their reply was that their database showed differently. After sending the paperwork in, and having multiple back and forth dialogues with different managers, I contacted XXXX and was told that it was too late. I was told I could appeal and I was later contacted by a XXXX representative who told me more of the same. 

I was told that their systems had shown that they had done all they were supposed to do, and that I was now responsible for the converted loan. I explained to the XXXX representative that I would be contacting the Department of Education ( DOE ) Ombudsmans office regarding the handling of this matter. In an unconcerned fashion, I was told by the representative that I should contact the DOE Ombudsman. 

The U.S. Department of Education Ombudsmans office offered no relief to my dispute. I spoke to a manager who informed me that I did not have to wait on XXXX to send me any paperwork, and that as long as I informed them, they were responsible for changing the status of my XXXX  Grant. Armed with this new information, I resent my paperwork and contacted XXXX who again had reached the same decision that it was too late.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 written instructions.

15 U.S.C 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication
Complaint sub-issue: Account terms

In XXXX 2015, a court order for arrears in child support was entered. The court ordered judgement explicitly said that as of XXXX XXXX, 2015 a debt of {$22000.00} was owed ( agreement between parties, including " unreimbursed medical expenses and arrears in child support '' ) .The Office XXXX Texas has been reporting incorrectly a wrong balance, that is being paid down every month, and, despite my many emails, phone calls and complaints on their website, is not correcting the wrong information. I had submitted a complaint through XXXX and Equifax ... at first they deleted the wrong info but now they are reinserting the SAME wrong info. 
All I would like is XXXX that the Texas XXXX enters ACCURATELY the judgement and XXXX that XXXX and Equifax reflects this accurate info and did not even VERIFY whether the info was accurate or not. 
Thank you!
Complaint sub-issue: Information belongs to someone else

XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.
Complaint sub-issue: Account status incorrect

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason And my personal information is outdated, and I've asked the credit agencies to removed old information and updated new information which they've failed to correct.
Complaint sub-issue: Investigation took too long

I mailed out some challenges and ask for an investigation XX/XX/2016. It is XX/XX/2016 and I have not received a response
Complaint sub-issue: Information belongs to someone else

disputed this account with XXXX, to get proof that this is a account of mind the dispute was done under section 609 of the fcra. XXXX has to show proof to report this on my credit file or remove it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Pulled my Equifax credit report on XX/XX/2022. Noticed fraudulent inquiries on my consumer file. I then filed an FTC report, report number XXXX. I faxed the report and driver 's license, ss card, and utility bill to Equifax. I've called Equifax several times they still haven't " received '' /and or processed the report. " I will list the fraudulent inquiries here. These fraudulent inquiries are affecting me buying a home for myself and my family. 
Please delete asap. Thank you. 

XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX has created a bureaucratic customer service black hole that traps borrowers in a cycle of frustration. As if the near permanent status of indentured servitude to student loans were not oppressive enough. Their first level of representatives have no access to information or power to overcome borrower 's challenges. In addition, their phone system is difficult to hear and leads to many dropped calls. 

I received a letter from XXXX XXXX XXXX on the morning of XX/XX/XXXX that my student loan payment was returned to my checking account. XXXX XXXX had no record of the transaction and confirmed there was sufficient funds. This is the second time in 4 months this occurred. 

This happened previously on XX/XX/XXXX. At that time I made the payment and the direct debit continued successfully for XX/XX/XXXX and XX/XX/XXXX. Now the problem resurfaces in XX/XX/XXXX. 

When I called and voiced my frustration I was hung up on by the second level customer service representative # XXXX. In total, the first 3 representatives I spoke to had no help and continued to blame the wrong cause of this issue, insufficient funds, or push the envelope to someone else.
Complaint sub-issue: Didn't receive notice of right to dispute

Repeated collection letters about debt owed when auto was reposessed and austioned for less than amount owed. 

Lost employment and ability to pay loan after a XXXX in XXXX. Have informed collection agency of inability to pay on several occasions but new collection letter is sent every six months.
Complaint sub-issue: Was not notified of investigation status or results

I contacted Equifax on XX/XX/2018 to submit disputes on line. They said they would advise me of up dates and never did. Then when I tried to check the results it would not let me download. Then I tried to chat and call someone and can not get any help. They did not advise me of results within 30 days so these items should be taken off my credit report.
Complaint sub-issue: Debt is not yours

I am a customer with PNC bank. I have a personal account and a business account there. 
I applied for the PPP 1 loan. I submitted complete and clear documentation indicating that I had a few W-2 employees and the rest 1099 employees. PNC approved a loan for {$110000.00} indicating that everything I submitted for was eligible under the statute. 

Six months later, they came back and said that the 1099 's were not eligible to receive the money and they were recalling {$75000.00} of the loan. We have called PNC on multiple occasions during which they a ) erroneously told us that originally the 1099 's were allowed and that the SBA changed the rules. SBA confirms that this was not true. b ) refused to give us a copy of the underwriter 's document to let us know who at PNC approved the loan c ) a number of the people we spoke with refused to give us their names and d ) they told us there is language in their loan that indicates 'regardless of whether there is lender or borrower error, PNC is not responsible. '' According to other banks I have spoken with, PNC could have worked with us un multiple ways to get a better outcome for us, but they took know responsibility for us as a client or for their error. 

I know this is a CONSUMER agency. We have appealed to the SBA. 
We have appealed to our Congressperson We have appealed to PNC No one is listening to us and seemingly everyone has a way out of liability for this except for us. I am a consider of PNC and I desperately need someone to hold PNC accountable for their unethical practices here. They have put up numerous roadblocks to helping us in any way for an error that is clearly theirs.
Complaint sub-issue: Information belongs to someone else

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Complaint sub-issue: Problem using the card to withdraw money from an ATM

Try to use my u.s. Bank ReliaCard they said my account was suspended I called on the XXXX  they said they were updating their security I needed to send a picture of my driver 's license front and back and a selfie of myself did that waited two days on the XXXX of XXXX that asked me for the same thing again I called them on the XXXX because that's my unemployment money and that's all I have to feed me and my family they said I had to wait another two working days until they can identify my selfie with my license I've never had trouble with my card before don't understand why they have a hold on my card anyway and they will not release my unemployment money
Complaint sub-issue: Can't close your account

I have gone to the Citibank in XXXX California and was told verbally my master card checking account was closed completely, online and all of the account, have not hot anything in writing to assure me. I need to know all is closed. Thank you. 
Citibank headquarters XXXX XXXX XXXX. XXXX XXXX, NY XXXX Website : XXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
Ive received allegations in the mail from ERC claiming I have an obligation to their company due to an unpaid balance from XXXX. 

Pursuant to 15 USC 1692g ( a ) Enhanced Recovery Company has failed to validate this debt and/or allow me to validate this debt. 

Enhanced recovery has no first hand knowledge of any transaction between XXXX and I, the consumer. 

Pursuant to 15 USC 1602 ( p ) XXXX is in violation of 15 USC 1602 ( p ) as no authorization or written consent was given to XXXX for the conveying of private information about i the consumer to enhanced Recovery Company. 

Enhanced Recovery Company does not have and can not provide an original contract between ERC and myself the consumer pursuant to 15 usc 1692a ( 3 ). 

Enhanced Recovery Company is in violation of 15 USC 1602 ( p ) for unauthorized use of my credit card which is also attached in Exhibit A. 
ERC has reported on my credit standing which has caused me great hardships as the FDCPA is intended to secure my privacy. 
XXXX as the FCRA 15 USC 1681b ( a ) ( 2 ) Enhanced Recovery Company has no written consent from I, the consumer to furnish anything and place it on my consumer report this is a violation. 

As of XX/XX/2021 signed for and received by ERC with the signatures of a representative XXXX via green return receipt which indicates proof of receiving notice.
Complaint sub-issue: Investigation took too long

XXXX XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.