Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive terms that were advertised

i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XX/XX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XX/XX/XXXX. 

I applied the account with XXXX XXXX ( XXXX ) on XX/XX/XXXX and submitted request to XXXX on XX/XX/XXXX. $ XXXX assets was successfully transferred on XX/XX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This isn't credited I signed for or approved an inquiry on.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX listed three fraudulent hard inquiries which they are unwilling to remove ( even with proof ) and that the other credit agencies do not report. Fraud inquiries on EQUIFAX report are : XXXXXXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX, XX/XX/XXXX. I received documentation from XXXX and XXXX that these were fraud attempts to open credit ( I do not recognize nor authorized ) and no accounts were opened. I submitted documentation to EQUIFAX and their investigation simply states " these inquiries are factual ''. Today ( XX/XX/XXXX ) I received an alert for another hard inquiry on EQUIFAX from XXXX XXXX/XXXX for a fraud attempt ( confirmed with XXXX, agent # XXXX in XXXXXXXX XXXX   Fraud Dept ). This is another fraud attempt and EQUIFAX is unwilling to remove these incorrect/fraud hard inquiries from my report. My credit score is suffering with EQUIFAX. I will be making a major financial purchase soon and their unwillingness to remove the hard inquiries on my file will cost me a higher interest rate ( EQUIFAX MUST FIX THIS IMMEDIATELY - PLEASE HELP ).
Complaint sub-issue: Information belongs to someone else

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Debt is not yours

PNC Bank, with whom I have never opened an account with, is attempting to collect money from me
Complaint sub-issue: Information belongs to someone else

Hello, I sent EQUIFAX certified letters on XX/XX/2018, XX/XX/2018 and they report back verified and there is no way they could because the collection agency doesn't even respond back to me I have tried to resolve this issue with CREDIT BUREAU SERVICES & EQUIFAX in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all 3 CRA 's.
Complaint sub-issue: Debt is not yours

This debt was already investigated by all 3 credit reporting agencies and deleted
Complaint sub-issue: Reporting company used your report improperly

I didnt authorize these car dealerships to put all these hard inquires on my credit report! The hard inquires are as listed. 
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 is missing that should be on the report

After analyzing my credit report, I am quite dissatisfied with the errors I discovered. These statements are unverifiable, invalidated, erroneous, and suspect.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to stage XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a XXXX XXXX XXXX XXXX  XXXX XXXX. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, XXXX that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX XXXX preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

On XX/XX/21, XX/XX/21 and XX/XX/21 and XX/XX/21, I requested that XXXX provide my with the name and information of the reporting agency who provided them with a verification for a bankruptcy that they have listed on my XXXX credit report. All 4 times XXXX responded that LexisNexis Solutions provided them with such information. I then ask LexisNexis whether they provided XXXX with a method of verification and LexisNexis does not have any record of a bankruptcy on my report. I then requested that XXXX removed the inaccurate bankruptcy on my report and XXXX refuses to do so. Per the Fair Credit Reporting Act XXXX has to remove any inaccurate information and must be able to provide me with the information of me having a bankruptcy on my report. I would like an investigation to LexisNexis and XXXX and request that LexisNexis dispute that they verified a bankruptcy to XXXX.
Complaint sub-issue: Fee problem

Hi, 1.The US bank is recently stealing money of consumer through different ways. They have charged me many times, and sometime by disputing they fix the error, but most of the time they don't. On XX/XX/2018 they charged me overdue fee amount of {$36.00} without any reason. I called them more than 100 times to their customer services to solve the problem. Their customer services behave badly with clients, and they play a football game by transferring you to different departments. The loop goes for ever. Each time I call them they transfer me to each other for hours, until I stop the call. That is their strategy to steal people money and make them not call them back. I have been calling them each other day to solve my issue they told me it will take 10 business day, and it took more than 6 months. Last time when i call them to fix the issue they told me it is old case we dont keep data from 6 months. I told them that how it come a bank dont keep data of client when the client is disputing about that case. I told them if you dont have the prove I have it because i have the print version of my statement. They cut the call. So now I am confuse what to do? 

2. For the second case even though I opened case just couple days ago, but I will relate this with the above case because there is something going wrong with the banking system, I hope the CFPB and any other response government agency take the case more seriously because I fear they are doing the same thing with many clients. On Saturday XX/XX/2018, I was depositing {$600.00} cash into my checking account via US bank ATM machine.As I was traveling, and I needed the money badly to pay for gas, and other bills. However the machine gave me an error and printed out XXXX $ is deposited which doesn't make any sense. I called the bank several times, and I was getting different responses from the customer services. Some of them told me that you have to wait two months, and some told me 45 business day. While others told me within 10 business day. After 10 business day I asked what happens to my money, they told me when don't know how long it will take. As I want the CFPB to publish my description on consumerfinance.gov so I urge us bank client be aware of the ongoing fraud in US bank, and be careful check your accounts daily. Avoid your selves before you become victim like me. thanks
Complaint sub-issue: Attempted to collect wrong amount

on XX/XX/XXXX my check had begun being garnished by Vero 's credit. I reached out to this company multiple times for the lack of the accurate reporting on my credit report when the balance I have for this company is only {$880.00}, the company has informed me over the phone that the debt will continue to grow interest but going back to my paystubs no interest had been added until my last check dated XX/XX/XXXX. Further more, the company claims that I owe them still {$1000.00} which is inaccurate. The company list this account as a collection but the IRS defines collections as taxable income. therefore, this information shall not be furnished on my account. due to inaccurate reporting and trying to add fees not included in the paperwork this should be deleted from my consumer report. IMMEDIATELY
Complaint sub-issue: Account status incorrect

I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.
Complaint sub-issue: Information belongs to someone else

I called telling them that its information on my credit report that didnt belong to me start with my DOB its still not changed. The inquiries are still on my credit report, accounts thats paid are on my credit report. I have accounts I didnt open thats in collections on my credit report.
Complaint sub-issue: Can't get flexible payment options

The College ( XXXX in XXXX, Ca ) that I was currently enrolled abruptly shutdown. I was XXXX weeks away from graduation. I am no longer choosing to continue with my education since I would have to take even more classes. I also did not get a well paying job out of it, even though I was told numerous times I would.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

On Thursday XX/XX/XXXX and again on Wednesday XX/XX/XXXX I mailed XXXX letters through certified mail with return slips to XXXX, Equifax, and XXXX regarding several discrepancies I found on my credit reports. In the first round of letters, I asked them to fully validate the reported information and remove anything that they could not provide signed, original contracts for in correlation to the accounts in question within 30 days. No method of verification was revealed nor were any original contracts with my 'wet ' signature provided as proof of validation. 
In the second round of letters, I reiterated my requests made in the first letters and asked them to please DELETE anything that could not be fully verified and to include original signed contracts as well as a copy of my updated credit report. 
As of today, Sunday XX/XX/XXXX, these accounts still remain and have not been fully verified. 
I have reason to believe that multiple creditors are conducting illegal actions against me including reporting the same account more than once, reporting old debts as new, and reporting charge-offs before the 120-day delinquent mark.
Complaint sub-issue: Reporting company used your report improperly

The Equifax credit reporting organization has allowed unknown persons access to my personal information that could be used to effectively destroy my life. They 've allowed access to my Social Security Number and much of my personally identifiable information that could be used to open fraudulent credit cards and bank loans that could destroy my credit ( also managed by Equifax ) which would make it impossible in the future to apply for loans that I would need such as for a newer vehicle. This is not even a service I want from Equifax but they have been given my information and have effectively distributed it. They 've potentially stolen and sold my identity ; a crime. Now I have to look over my shoulder every day to hopefully protect myself from invisible pickpockets and thieves.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I have recived harassing phone calls about debt to an apartment complex that I have paper work for stating I do not owe an money. They call my phone all day harassing me and even at work threatening to take me to jail. I have sent in proof that I do not owe this money and they still call and refuse to take it off my credit. Hunter and warfield is the creditor
Complaint sub-issue: Problem getting report or credit score

Whenever I try to get my credit score report from online I get the message " We 're sorry, for your protection we are unable to deliver your Free Annual Credit Report online. '' I need my credit score report urgently.
Complaint sub-issue: Account information incorrect

Over the past 6 months I have paid my mortgage early or on time and each month XXXX XXXX XXXX representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. 

Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since XXXX could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. 

This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. 

I have attached the records that are available to me on line so you can see the payment from the XX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. 

I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. 

Thank you,
Complaint sub-issue: Debt was paid

I was erroneously reported to all three major credit Bureaus by XXXX for a professional fee I paid for {$220.00} on XX/XX/2015. I have the cancelled check. This check cleared the bank on XX/XX/2015. I received no notice of this referral to a collection agency and discovered this gross, negligent error after I was denied for a refinance on our home. To add insult to injury, I am now receiving menacing, harassing phone calls from collection agency Grant & Weber XXXX ext XXXX. I would like financial compensation for {$1000.00} for each agency to which info was reported and the reports corrected and verification that corrections were made sent to me in writing. and the account I was treated at XXXX in the XXXX The telephone number of the billing service who did this is XXXX 
Thank you in advance for your time and consideration.
Complaint sub-issue: Debt was result of identity theft

after viewing my credit report  in XXX 2017 i noticed their were a few items on my file in which i did not apply for nor authorized. i reached out to the companies as well as the credit bureau to dispute them. i obtained a police report and sent to the collection agencies as well as a dispute letter asking for verification bearing my signature. they did not send the verification but in XX/XX/XXXX sent a bill and a letter asking me to send in 2 utility bills and my identification. this is strange to me considering the fact that i sent them a dispute asking for verification in XXX 2017. It has now been well over 30 days and i have not received the verification and the incorrect information is still on my file. This is totally against the law and against FCRA rules. I also reached out to XXXX whom is the original creditors but  there was no resolution
Complaint sub-issue: Public record

There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX