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

On XX/XX/XXXX a check was paid on our account. Received the statement on XX/XX/XXXX and called the bank the following day, to inform them that the check was fraud and never authorized. I was told XXXX was now pnc bank and a dispute was initiated. I was told I would receive a written letter within XXXX business days. I never received any correspondence. On XX/XX/XXXX I received a letter asking to call them with more details. I called and An escalation specialist pulled up the information and said the claim had been resolved. However my account was not credited and no explanation given. She refilled the complainant and gave me a reference number. Two more weeks went by and I called her four more times but she was not sure what happened to my case and told me to call the fraud department directly for answers as she could not see the screen to help me. I called the fraud department and was told they also could not see that screen and said they would call me back. They never did. On XX/XX/XXXX I finally went into the bank and spoke with a branch personnel. She called the fraud department but still got no where. After numerous calls from her I was told they ordered a copy of said check and to come in on Monday to figure this out. I went in on XX/XX/XXXX and spoke with the branch XXXX who filled an elder abuse claim and sent it to the escalation dept to get this resolved. I received a call from the escalation dept on XX/XX/XXXX. She told me the dept she needed to talk to closed at XXXX pm but would call me the following day. I am still waiting for that call. It is XX/XX/XXXX today. She informed me that disputes can take up to 6 months to resolve. Honestly this is ridiculous. The check was never authorized and was clearly someone taking advantage of the elderly. To compound matters the bank is now taking advantage and abusing their elderly customers.
Complaint sub-issue: Debt was paid

XXXX XXXX stated and made a negative derogatory claim on my credit report of {$560.00} owed to XXXX XXXX XXXX phone company. I have paid my balance that I owed XXXX XXXX XXXX on XX/XX/XXXX and confirmed it with XXXX XXXX XXXX, they also sent me an email confirming I owe nothing on that account. I have talk to enhanced recovery back in XX/XX/XXXX and was suppose to have all this situated and resolved. As of XX/XX/XXXX when me and my wife talked to enhanced recovery collections they said that we still owe the {$560.00} according to their records and that we only called one time in XX/XX/XXXX. This is false and will release all my phone logs to prove differently. When we spoke to XXXX XXXX XXXX in XX/XX/XXXX they sent out to the XXXX XXXX  that our debt was paid in full and XXXX XXXX   seems to ignore this. You can not talk to them because all they do is repeate the sentence over and over regardless of the validity of information you have. This issue has killed my credit score, and  prevented me to make it better over the past year. Something needs done I can not keep having this stress in my life when I do not owe Anything.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : 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 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: Threatened or suggested your credit would be damaged

I received a notification from  Alliance One Receivables Management Inc   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  stating that I owed a debt in the amount of {$1000.00}. I checked my credit report and saw that this company checked my credit for a  Installment   Loan  on  XXXX   XXXX ,   XXXX  . I never applied for a loan and was n't sure why this inquiry happened. So I called the number located in the in the inquiry to ask about the false information and the representative explained to me that her collection company did not check my credit report for credit worthiness. I explained to the representative that her collection company 's address and phone number was the same on my credit report. The representative continued to deny that their company made the inquiry and that   XXXX   XXXX   XXXX   made the inquiry. The representative continued to deny they did this and I explained to her that " collection agencies dont make inquiries that collect debts. Only if I apply for credit will a potential creditor will check my credit. '' I explained to her that this inquiry will affect my credit for the ne xt two  years and why did they do this. The representative continued to deny their company took this action so I hung up and filed this report. Im looking to have this erroneous and false information about me applying for an  Installment Loan  removed from all  XXXX  credit bureaus.
Complaint sub-issue: Didn't receive notice of right to dispute

I C SYSTEM Last reported XX/XX/2019 {$790.00} Open balance XXXX XXXX  XXXX
Complaint sub-issue: Company closed your account

On XX/XX/2022 I escalated an issue for filed disputes with my business and personal checking accounts after which I received new debit cards. I have had to file several disputes this year with PNC. A branch representative informed me that there were active debit cards associated with my checking accounts which PNC mailed out after my past disputes were filed we confirmed I never had these cards in my possession. We came to the conclusion that these active cards easily left my accounts/information vulnerable to fraud, and the branch representative deactivated those cards. The most recent dispute for the personal checking account was never resolved, and I received notice that PNC would be closing the account along with the reserve and savings account associated with this checking account in the PNC virtual wallet. The reason for closure is simply PNCs right to review their relationship and make decisions. As discussed, the closure was triggered due to multiple disputes on the accounts. This is unfair, because my accounts/information were compromised for months without and resolution until a branch representative closed the active cards PNC claims to have sent in the mail. Had they been closed already, I would have maintained a relationship with little to no disputes. PNC claims that my business account may be at risk of closure as well.
Complaint sub-issue: Problem making or receiving payments

I only been with pnc bank for a little over month. And in that month they have susppend my debit card 3 times without giving any warning nor explaintion s to why. I just will up one day tried to use it and it came back wrong information I called almost everyday and everyone would tell me so many different things out put my in hold for 30 min to 11/2 hrs. Finally after going back and forth and staying on the phone I was told who to call to find out about the whole. I finally talked to MsXXXX XXXX she's the antiluis for pnc. She verified my info and told pnc to left hold all hold were lifted. I went on starting paying money to online service a couple times I used it at atm. To get cash for money orders and things. Well 3 days later it was cut off again but this time they say they closed my card completely. I still don't know why they did it nothing changed I shop mostly online I pretty much do everything online because I don't leave house. Me I don't really see where they had any reason to do this. Now I'm having problem getting them to link my other account.
Complaint sub-issue: Information belongs to someone else

i AM A VICTIM OF IDENTITY THEFT! MY IDENTITY IS STOLEN AND HAS XXXX USED AGAINST MY WISHES! 
DELETE AND BLOCK THE COLLECTION-CHARGE OFF FROM MY Equifax CREDIT REPORT. tHIS ENTITY DOES NOT HAVE PERMISSIBLE PURPOSE TO PUT ANYTHING ON MY CREDIT REPORT. i AM A VICTIM OF IDENTITY THEFT AND MY NAME AND SOCIAL SECURITY NUMBER AND PERSONAL INFORMATION HAS BEEN USED WITHOUT MY AUTHORITY TO COMMIT FRAUD! uNDER THE FCRA THE FAIR CREDIT AND REPORTING ACT GIVES ME SPECIFIC RIGHTS DESIGNED TO HELP ME RECOVER FROM IDENTITY THEFT - BLOCK AND REMOVE THESE FRAUD ACCOUNTS
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.
Complaint sub-issue: Reporting company used your report improperly

Good afternoon. I am writing due to Equifax reporting information on my consumer report that was not authorized by me which has made my consumer report unfair and not equitable to me. My privacy was breached without my consent and my right to privacy was violated. Equifax never had permissible purpose **15 USC 1681 B ( 2 ) ** to disclose any of my personal non public information. I never instructed Equifax to furnish this report or to create this report. I never consented. I instructed Equifax to remove all of my personal non public information such as payment history, employment history, an addresses and they declined my request. I want to have the information such as payment history, employment history, and addresses removed. I have disputed this information as well as demanded for the information to be removed and my requests were denied. 15 USC 6821 ( a ) ( 2 ) states that furnishing fraudulent information such as late payments is a violation. I have requested that all late payments be removed for my Equifax consumer report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Carmax to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

Background : I am a victim of Identity theft and I have on three occasions via certified mail sent XXXX  XXXX XXXX XXXX a copy of my police report requesting them to delete the fraudulent data/negative trade line. However, they have refused to delete the fraudulent data moreover, they have not provided/produced verification of the account as mandated under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax has produced no documentation with my " Wet Ink Signature '' on it to validate that the account is being reported accurately.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXXXXXX XXXX XXXX XXXX  balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX  XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contact all 3 credit bureaus about the unauthorized inquiries on my credit report. First by mail and even online disputes. This process has been repeated several times. To my dismay my credit report still reflects these unverified and unauthorized items, that I did not give my permission to obtain.
Complaint sub-issue: Problem getting your free annual credit report

I have made several. attempts to, fix monitor, and correct errors on my EQUIFAX credit file. It seems as if each, and when it's time for me to obtain a free copy my annual credit report, either my account is locked or I'm unable to login to get it. I then have to end up calling Equifax directly. When I call, their system leads you to believe that you have to submit a request in writing and send two forms of identification when you do. It is usually at that point where I call Equifax 's credit monitoring dept. and share with the rep that I'm locked out of my credit file and they get me into direct contact with a rep within company that fixes and unlock my file right then. This seems really peculiar because in the midst of all of this, EQUIFAX reports my score SIGNIFICANTLY lower than any of the 3 major credit bureaus, and this has been happening for sometime. XXXX  currently has my score at XXXX, while Equifax has it at XXXX. I understand that there may be some difference, but it shouldn't be by over 40 points in the midst of NOT being able to get, or have access to your credit in efforts to correct or address anything on there that may be causing this on my ( the consumers ) end.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be removed.
Complaint sub-issue: Funds not received from closed account

My debit card and all my banking information along with pin # were stolen from my office desk by day labor that was hired to pack up my my office to move. On XXXX-XXXX-2017. 1 ) Personnel account. on XXXX there was a {$500.00} atm withdrawl and onXX/XX/XXXX they tried using the atm card a number of retail stores, the bank stopped allowing any more charges. They then deposited a fraudulent check for {$2300.00} at an atm on XXXX the {$2300.00} check posted and the bank reversed out the {$2300.00}. chk. because it was a 3rd party chk and had a fraudulent signature on the back. After investigating XXXX XXXX approved the {$500.00} withdrawal and put the money back into my acct. My acct. was closed on XXXX I was told they would send me a chk. for the bal. in my acct. After not receiving a check. I call and was told my funds are now frozen in a Recovery account and could take up to 3 more months to investigate? It has been almost 2 months and know. I keep getting the run around and was told I needed to address the problem with my branch. I called the bank manager and she told me it was out of her hands. no one will give me a timeline or reason why they wo n't return my funds after the account has been closed. other than they were checking to see If any outstanding charges that had to be recovered. The bank manager told me she has seen it take anywhere from 3 months to a year? This is timeline is Unacceptable it does not take that long to figure out a simple bank account.
Complaint sub-issue: Company closed your account

XXXX XX/XX/XXXX I first opened a business account with PNC in XXXX. My business is a typical retail brick and mortar store. In XXXX, I also moved my merchant account to PNC. In XXXX of XXXX, I received notice that PNC would close my business checking account due to high-risk activity. As a small part of the business, I had been doing a small amount of money transfer services since XXXX. Never was I told that this was not allowed or that it would cause any problem with my business account. But rather than giving me a chance to remedy the problem, PNC unilaterally closed my account. As of XXXX of XXXX, I stopped offering money transfer services at my business. At that time, I was concerned about the merchant account, which is a separate account with PNC that allows us to accept credit cards as payment, so I called specifically to ask about this. I asked if this would affect my merchant account. I was told that it would not, and that I could keep the merchant account. I would only have to change the bank that accepts the deposits. So I did just that. Six months later, PNC closed my merchant account, WITHOUT NOTICE OR WARNING! This cost me several thousand dollars in potential sales, plus about {$800.00} to set up a new service with short notice. Furthermore, they refused to process {$230.00} worth of sales with had gone through before I was cut off. 

When I inquired as to why the account was closed, I was told that PNC requested that it be closed ( apparently because they had closed the other account six months earlier ). No real reason was given, and I had never used the merchant account for activities related to money transfer services, nor had I ever had a charge back or other violation of the terms of the contract. 

The contract I signed is three year agreement. After checking it, I found nothing that allows PNC to close my account just because PNC had closed an unrelated account several months prior. 

In my view this is breach of contract. Their blatant disregard for customers nearly put me out of business after eight years of hard work and sacrifice. Words can not express how deeply offended I am and their underhanded and unethical business practices. They do no deserve to be in business at all. If I treated my customers like that, I would not have any customers. 

I believe PNC should compensate me for their indiscretion, as well as compensate me for lost sales, the charges that were not processed, and the cost of setting up a new services. I seek {$15000.00} in damages. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

Earnest, my student loan company, mistakenly took money from my bank account while i was in forbearance. i am now left with -XXXX and the quickest they can refund the money is 1-2 weeks - thats with it being expedited. This is criminal and has left me with no money for two week. They need to be held responsible for the kind of stress this has put on me and my family. I have attached an email of the latest correspondence.
Complaint sub-issue: Account status incorrect

In XX/XX/2018 I set my XXXX XXXX card up for automatic payments. At the end ofXX/XX/XXXXl the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XX/XX/XXXX would come out automatically for XX/XX/XXXX and XX/XX/XXXX. The end of XX/XX/XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XX/XX/XXXX andXX/XX/XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.
Complaint sub-issue: Information belongs to someone else

I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a bankruptcy on my account. I contacted XXXX XX/XX/2018, and ask for this item to be removed. Their response was " this account has been verified ''. I ask them for any and all information they received to " verify '' this bankruptcy. At the same time I contacted the bankruptcy office and the third party and was told they do NOT verify information to credit reporting agencies.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This debit is being reviewed with the health insurance company the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
This is a surprise medical bill from XXXX XXXX. I was rushed to the emergency room on XX/XX/2020. The entire time I was in ER at XXXX I was on morphine for pain. I was not in a state of mind to sign any documents, I did relay that to the staff in the ER. I stated that I do not have the funds to pay for the emergency room stay and told the nurses that I would like to leave. I did not expect that I would be rushed into XXXX because of my appendix. After the XXXX, I stated that I would like to go home because I knew that the hospital bill was going to be too expensive. The staff at XXXX XXXX stated that due to XXXX XXXX I can not have any family members come to the hospital and the doctor can not discharge me until a post-op test. 
Someone from the financial department with XXXX XXXX talked with me and told me to sign paperwork that I was not in a state of mind to sign. I recall telling her that I do not have money to pay for the emergency room visit. The staff stated that the state of California insurance should help with some of the cost. This bill was sent to collection for {$38000.00} it was a result of an emergency procedure when I was rushed to the emergency room in XXXX this was not expected I was told that my insurance would be able to cover the cost of some of the cost because I had no income at the time and was on the state of California XXXX plan. I am still in talks with XXXX about them covering some of the cost of this medical bill. I am protected against this surprise medical bill because I have coverage through XXXX. 
XXXX XXXX sent the medical bill to a collection company XXXX XXXX which continues to report a new amount every month.
Complaint sub-issue: Account status incorrect

Upgrade is the creditor that I took a personal loan out on and I have the two line of credit or credit cards. I have not used these cards for a while and they both are reporting balances which is incorrect. Both of the credit cards have a zero balance on them. This is causing many many issues with my credit report and it's extremely hard to get the company to correct this information. I am left to file a complaint with CFPB in order to assist me. Please update the credit report and correct the balances on these line of credit credit cards.
Complaint sub-issue: Investigation took more than 30 days

Investigation took more than 30 days and nothing was changed... attached is a copy of my credit report from XXXXXXXX XXXX XXXX that clearly shows misleading, incorrect, inaccurate information that needs to be deleted immediately... EVIDENCE IS IN XXXX AND WHITE, STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!