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

XX/XX/26 I opened a Savings Account with Discover over the phone. When opening the account I was asked how I was going to fund it and I mentioned from a different account, the banker mentioned she will be able to assist me with the transfer at the end. At the end of the call the banker let me know she was unable to help me and I had to call my other banking institution to walk me through the transfer process. In order to get this special of {$150.00} when depositing {$15000.00} you have to deposit it within 30 days BUT THIS IS NOT POSSIBLE. I was able to deposit {$10000.00} via bank transfer BUT they will not accept a bank transfer, a CASHIERS CHECK or a personal check for the remaining amount so I am not able to get to a {$15000.00} balance. I have wrote to the company and they mentioned the only option is a wire, which if they told me prior they would've been fine but I already closed that account so this is not an acceptable solution. Thankfully my other banking institution allowed me to instantly deposit my cashiers check via mobile deposit so I am not stuck walking around with an {$11000.00} check. 
What annoys me the most is i wrote a check from my personal checking and they even deny that check... They state this is for fraud prevention but I have {$10000.00} in the account so I should be able to deposit my {$5000.00} check because I have plenty of cash to cover it. 
Ridiculous circumstance. 
When calling they also mention a XXXX minute wait that turns into XXXX minutes and getting hung up on.
Complaint sub-issue: Was not notified of investigation status or results

I've sent several requests over to the credit reporting agency to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. The credit reporting agency has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, they simply update the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. 
The credit reporting agency has ignored my requests and its been 6 months later.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX I transferred {$7000.00} from my CoinZoom Debit card ending in XXXX to XXXX. 

A few minutes later, I meant to send the {$7000.00} to my XXXX XXXX Checking account, but instead sent the money back to my CoinZoom Debit card ending in XXXX as that was the payment source that was currently linked to my XXXX account. Please note that the amount sent from XXXX to CoinZoom was {$6900.00} ( the bank statements show {$7000.00} as there was a {$100.00} fee to transfer the cash out to CoinZoom ). I've attached an XXXX file listing all transactions going in and out of my XXXX Account. I've also listed a snapshot of my XXXX and XXXX activity showing the transaction leaving my XXXX account on XX/XX/XXXX at XXXX MST and never being returned. 

XXXX confirmed that the {$6900.00} was sent to CoinZoom and provided the Retrieval Reference Number : XXXX to help trace the deposit. 

Then After multiple follow-ups and over a month of waiting I finally received the missing {$6900.00} on XX/XX/XXXX deposited in my CoinZoom account. 

Then on XX/XX/XXXX, when I logged into my Coinzoom account, CoinZoom made a " ACH Adjustment '' for a negative - {$6900.00}. They removed my {$6900.00} in funds and never provided an explanation as to why they credited my missing funds and then decided to take it away a week later. 

I've reached out over XXXX times in the last XXXX  months and they still have not resolved this problem. I've also sent XXXX messages in the past 60 days requesting them to provide an update and they haven't responded. I even provided them with a Business to Business phone number that XXXX XXXX provided me ( XXXX ) XXXX to work with them on locating the funds and they haven't made any attempts to remediate the issue. 

I'd like to have my {$6900.00} in missing funds returned to me immediately.
Complaint sub-issue: Debt is not yours

My first contact with Amerifinancial Solutions was in XXXX of XXXX, when I saw this account reporting to my credit reports. The reported the wrong address to contact them and my dispute letter was returned back to me. I had informed XXXX, XXXX, and XXXX with copies of the envelope that was returned. XXXX and XXXX promptly removed the item from my credit report. XXXX refused to remove the item and the update of the new address wasn't updated until XXXX of XXXX as you can see with the attached credit report. Since then I have done my due diligence to dispute this item directly with Amerifinancial Solutions, and it has gotten to the point that they refuse to respond to my letter after it was discovered that the account they are attempting to collect on may have Violated HIPPA law.I have attached my credit report from XXXX of XXXX showing that Amerifinancial Solutions was reporting the wrong address to contact them as well as XXXX of XXXX credit report showing the correct address to contact. Have also taken the liberty of attaching the only response I have received from Amerifinancial Solutions before they stopped responding to my correspondences. After having to deal with this company reporting incorrect information on how to contact them, I finally am able to get in contact with them and they have not responded. Please have this item removed from my XXXX report.
Complaint sub-issue: Didn't receive enough information to verify debt

Ive mailed debt validation letters and have never received response within the allotted 30 day requirement.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CITI CARDS CBNA Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN COMPLAINING FOR MONTHS, TO BE EXACT XX/XX/2019! SOMEONE TRIED TO OPEN A DISCOVER CARD WITH MY NAME AND MY IDENTITY WAS STOLEN! I CONTACTED DISCOVER AND THEY KEPT PASSING ME ON TO OTHER PEOPLE FOR THEM TO HANDLE THE CALL! I WAS TOLD THAT I WAS GOING TO RECEIVE A DOCUMENT IN THE MAIL AND LOW AND BEHOLD THE DATE ON THE DOCUMENT SAYS XX/XX/2019 AND NOW ITS XX/XX/2019 AND IM JUST RECEIVING IT! I WAS TOLD THAT THIS WAS GOING TO BE OFF OF MY CREDIT REPORT! BUT TO NO AVAIL! I CONTACT AND ATTORNEY AND THEY TOLD ME TO FILE A COMPLAINT WITH FCC AND I DID JUST THAT! NO ONE REMOTELY CALLED ME BACK ABOUT THIS MESS! THIS IS HORRIBLE AND SO ARE THEIR PRACTICES! IVE BEEN CALLING AND ON HOLD IT SEEMS LIKE FOREVER, JUST TO BE REROUTED AND SOMEONE SAYING WE'RE SORRY FOR THIS THAT AND THE OTHER! NO TAKE THIS MESS OFF OF MY CREDIT REPORT!!! THIS IS NOT FAIR! I WAS EVEN TOLD THAT SOMEONE WAS GOING TO CONTACT ME, BUT DIDN'T AND I'M STILL WAITING!
Complaint sub-issue: Can't use card to make purchases

There exists a problem with fraud as it pertains to CashApp which supposedly is owned and/or operated by Square Inc . The bottom line is that, I have {$40.00} in my CashApp account which is effectively stolen by Square Inc., and in the possession of Square Inc., to which I have no access whatsoever. I have a CashApp debit card in my possession to which all of my in person transactions have been and continue to be denied without any explanation whatsoever. Even worse is that I have absolutely not way, whatsoever, to get in contact with CashApp regarding the inaccessibility to my funds. On XX/XX/2021 at or around XXXX XXXX. CT I tried to login to my CashApp account online via a full web browser and I received a message stating that the request could not be processed and to, instead, access support via the CashApp app on my cellular phone. The problem here however is that when attempting to access support via the CashApp app the app repeatedly crashes each and every time. Thus, I am not able to contact CashApp via their very own prescribed methods of contact. Furthermore, I am not able to contact CashApp via telephone either. Thus, I have no means, whatsoever, to contact CashApp and I have no access to my funds in my CashApp account. This is fraud by definition and is causing severe distress since this is the form of payment used for day to day transactions. See attached notice via CashApp ( Square Inc. ).
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I sent a check to pay off my auto loan in full, which US Bank cashed on XX/XX/20. After over 4 months had passed and I never received my title, or even any communication or acknowledgement from US Bank I reached out to them to see what was going on. 

I called them on XX/XX/20. I spoke with someone ( XXXX ) who told me that they would electronically release my title with XXXX. She told me that I may need a " Release Letter '' to take to XXXX to get my title and that she would have this sent in the mail to me. I never received anything in the mail or heard anything further from US Bank. 

I called again on XX/XX/20 and spoke with XXXX. She told me that the bank had never received my title, and that maybe the dealership didn't provide it to them, so she said that maybe US Bank never had a lien on my car and recommended I contact XXXX to confirm. I emailed XXXX, and they confirmed that US Bank is the official leinholder on my title, and that US Bank needed to file the electronic title release. 

I called US Bank again on XX/XX/20 and spoke with XXXX. I told him that XXXX said US Bank needed to release my title. He told me that he would " escalate '' my situation to management, and that someone would reach out to me in 24-48 hours and that a letter would be sent to me by mail. I never heard anything further and nothing ever arrived in the mail. 

I called US Bank again on XX/XX/20 and spoke with XXXX. She told me the same thing that XXXX had told me back on XX/XX/20 - that the dealership may never have given them the title. I hold her that this is not what XXXX is saying and that I wanted to speak with a Supervisor. She told me that her Manager ( XXXX XXXX ) would call me back shortly to discuss. I made very clear that no one at US Bank has followed through on anything over the last 3 months, and she assured me that XXXX XXXX is very good and would absolutely call me back. I have not heard anything. 

At this point, US Bank has essentially stolen my vehicle. I paid my loan in full over 6 months ago, and they will not provide me with my title. After calling on 4 separate occasions and getting nowhere, I don't know where else to turn? They should be held accountable for this atrocious behavior.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX of XXXX XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XX/XX/XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I did not sign a contract with this company therefore they have no right to report on my credit. I have reached out to the company and asked them to discontinue reporting on my credit and they refused.
Complaint sub-issue: Need information about your loan balance or loan terms

I have not gotten any loan
Complaint sub-issue: Account status incorrect

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX Account # XXXX 30 days late in XX/XX/2022.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENC
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Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I made a purchase from XXXX XXXX XXXX ( seller ) in the amount of {$2800.00}. I paid via XXXX with my debit card ending in XXXX which is linked to my Citi checking account. XXXX XXXX ( seller ) said it'll take a few weeks to ship my turbo chargers. Timeline : On XX/XX/XXXX I followed up with the seller and I was given a ship date of XX/XX/XXXX. 
On XX/XX/XXXX I asked the seller for tracking info and 2 days later the seller replied that units were not available and that he will upgrade the turbo chargers due to the inconvenience/delay. 
On XXXX XXXX the seller sent me a mock shell so I can get ahead and keep working on my project. 
On XX/XX/XXXX I inquired about the order again and received a reply from XXXX/seller 2 days later saying that it will be the XXXX of XXXX before they could ship. At this point seller offered a refund which I accepted. Seller requested the mock units back before refund was issued. On XX/XX/XXXX I sent the mock units back to the seller via XXXX tracking # XXXX. Mock units were received by the seller and my refund of {$2800.00} was never received. I tried contacting the seller a few times an didnt receive an answer. I tried opening a dispute through XXXX and it was out of the timeframe so I was told to open the claim directly with my bank. 
I opened my dispute with citi bank on XX/XX/XXXX, the reference number they gave me was XXXX. I was asked to fax all documents I had available. 
On XX/XX/XXXX I called to follow up and I was told that they never received the fax. I was very frustrated and went to my nearest branch and submitted copies of all the documents I had available. 
On XX/XX/XXXX I called to follow up and I was told that Citi bank received my documents and they were speaking with XXXX XXXX to resolve my issue. 
Called back on XX/XX/XXXX and they were still processing the claim, to call back. 
On XX/XX/XXXX I called to follow up and I was told that the claim was denied. Customer service rep was unable to provide a reason. I was asked to re-submit all the paperwork to the same fax number I originally used XXXX. 
It is very frustrating, Citi bank denies my dispute without any notification. I never received a letter in the mail saying that they received my dispute or to tell me that my claim was denied. They cant even give me a reason why the claim was denied. This is not how you treat long term customers. I hope you can help me get a straight answer from Citi I opened my dispute back on XX/XX/XXXX and waited more than 3 months for them to tell me that my dispute was denied without a reason. How do I know if someone even reviewed my dispute? Please help. Thank you for your time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I looked up my credit report on XXXX and found a hard inquiry done on my credit calles XXXX XXXX XXXX XXXX, I never heard of this company or even applied for credit with them or if this is even a real company.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I wrote a letter to them dated XX/XX/2020 and informed them that the debt was invalid and that I had paid XXXX XXXX in full. Their letter had XXXX XXXX on it so I assumed it was sent in error. They proceeded to continue sending letters and even tried to take a payment from my daughter who is a minor. It was my daughters ER visit that they wanted to collect the copay for. I continue to receive letters from them regarding this debt that was paid directly to the hospital. They are sending letters with interest due on them after I told them I wanted to deal with the hospital directly.
Complaint sub-issue: Threatened or suggested your credit would be damaged

HIPAA VIOLATION Alleged amount owed {$300.00} Alleged account # XXXX REMEX INC ... ..In XXXX of 2020 I submitted an AFFIDAVIT to REMEX INC ( copy attached ) for an alleged debt. REMEX responded with a claim of " verification '' ( copy attached ). They have failed to respond to any points of my sworn testimony, however their response itself and continued reporting of this alleged debt is a clear violation of HIPAA. They also failed to provide any documentation that validates this alleged debt.I requested a copy of their Business Associates Agreement.Also their claim of " verification '' can not be accepted without an accurate accounting to provide proof of the amount they are alleging that is owed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX 2017 applied for a car loan. Was denied credit based on report from XXXX XXXX giving low credit score when all other companies show over 800. Unable to contact via phone and website states only way to obtain report is to mail in numerous personal documents. No clear explanation as to why credit score is reported low by XXXX vs other companies. Reason listed is " trades too low ''?
Complaint sub-issue: Privacy issues

My name is XXXX XXXX, I live in new York and I want to report a Sterling National Bank customer who wants to take advantage of me. 

I posted XXXX XXXX on XXXX for sale and someone by name XXXX XXXX reached out to me to buy my laptop. 

Since we both live in new York, she came to my address in XXXX to pick it up and said she would pay through her card. I needed cash but she declined and she sent the payment using er debit card to a fundraiser I was running for my cousin " XXXX XXXX XXXX ''. 

She sent the payment in tranches and then picked the laptop and left. 

As part of documentation to avoid chargeback, I asked for her ID which she submitted a scanned copy in my shop for a proof that she made the payment. 

The reason why I am making this report is that yesterday, XXXX XXXX called me on phone and threatened me that she will report the transactions as unauthorized to her bank so that she can get the money back and leave me in negative. 

She said she has been doing the same to other online sellers. 

So I am making this complaint officially to her bank to be aware that the charges were authorized and they should be aware of XXXX XXXX fraudulent life with online sellers. 

I will submit her photo ID here as a proof including a selfie of her holding her ID which I told her to send a copy as a proof. 

Her email is XXXX and her phone number is XXXX The card she used in my online shop to pay me when she visited me ends with XXXX and is a XXXX
Complaint sub-issue: Information belongs to someone else

Dear Sir/Madam i had contacted EQUIFAX Credit Agency many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by XXXX i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago with no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 Note : what is the Equifax Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask Equifax Should care little more about consumer establish credit life in US and remove this two hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 XX/XX/2018