Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fees charged for closing account

I had a bank account with PNC 4 years ago, and I needed to close my checking and savings account when I moved to XXXX, because PNC has no branch in MA. Last time, when I had to close an account, I went to a branch and had someone help me in person. However, since PNC does not operate in MA, I had no other choice but call the customer service line to close an account, and I had no idea how to close an account via phone. The agent that spoke with me on the phone back in late XXXX told me that once I transfer all my money out of the accounts, I could call them and they would close the accounts for me. But he did not tell me what happens if I don't call and not properly closing my account. Coming from XXXX, I had no idea debit cards could overdraw. Therefore, I believe it's PNC 's responsibility to acknowledge me about overdraft charges. And because PNC 's customer line always take a long time to get connected, I didn't call them on time, and was not aware my account was getting overdrafted. Starting XX/XX/XXXX, because my XXXX account was automatically linked to my PNC account, every time I use XXXX to make a payment, I get over charged for XXXX dollars at PNC. I was not aware of the charges because I knew I had no money in my PNC account, so when XXXX say : transaction is not completed, I then would use my new debit card to make the payment. In mid XXXX I went on my online banking and saw I was charged for {$300.00} and more overdraft and overdrawn fees. I was connected to the retail escalation group for some help, but they told me it's not a bank error and they can not help me. The agent was also out of the office for about 2 weeks and I was not able to get in touch with her. As a result, my account now is charged off, I was not notified and couldn't use online banking. I personally do not think PNC valued me as their customer. As a foreigner, I was not aware of banking in the States and I believe it's the bank 's job to inform me about the consequences of not closing the account properly. PNC didn't do their job to inform me and all the other people ( foreigners ) who is not aware of overcharging. Instead, they let me getting charged overtime. I am a student and I don't have the money to pay off this ridiculous amount of fees. PNC said they could not help me file more complaints and therefore I decided to contact the CFPB to help negotiate. Thank you for your help and understanding.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint with identity theft.gov yet the fraudulent takeover of my account was never resolved, leaving a negative mark on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, 2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Debt was paid

This complaint is in reference to account XXXX with Enhanced Recovery Corp. According to my credit report ERC took over this account from XXXX in XXXX of 2016 in which I was not aware of this account until ERC listed it on my credit report XXXX/XXXX/2016. Although the account was assigned to ERC and they had the account listed on my credit report I was instructed for the original creditor ( XXXX ) that I could make the payment to them and they would recall the collection from ERC and have the collection removed from my credit report. On XXXX I made payment to the Original creditor ( XXXX XXXX ) in the amount of {$160.00}. ERC was notified by the original creditor the payment day ( XXXX/XXXX/2016 ) that the account was paid in full and as of today has not reported the correct account information which has caused me to be denied credit. As of today after multiple disputes on this account ERC continues to report false information to the XXXX reporting agency which is a FCRA violation. For the last 6 months ERC continues to update XXXX reporting agency and list the account as an unpaid collection and with a balance owed ( {$160.00} ) in they are aware that the account was paid in full on XXXX/XXXX/2016. As of today I am prepared to sue ERC for not providing complete and accurate information to the credit bureaus and for not correcting inaccurate information in my report upon credit disputes. This is not acceptable for ERC to knowingly participate in unfair collection practices.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft. I did not Authorize anyone to use my personal information of any kind to open any accounts using my Name and social. this is Fraud.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/ 2021 way over 90 days ago and I have not received no investigation results, I am being totally ignored and treated with no respect of my rights, concerning illegal reporting activities from the bureaus. I sent certified return receipt dispute letters out to Equifax, XXXX and XXXX regarding personal incorrect personal information and another inaccurate account listing as a repossession on my credit report. It is in Violation of The Fair Debt Collection Practice Act section 807 violation misleading and false reporting, this account is inaccurate and I am seeking litigation with proof of the letters I sent out and demand it be removed from my credit report at once.
Complaint sub-issue: Account information incorrect

Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; XXXX and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XX/XX/XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and Fed Loan has caused tremendous financial suffering due to no fault of mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 I was notified by my credit protection agency that The Home Depot Company issued a HARD INQUIRY on my credit history with XXXX. 
I believe my SS # has been hacked because a few months ago some one filed an unemployment claim in my name with the state of Illinois Unemployment Insurance. 
I contacted The Home Depot Company asking them to provide proof that I was the individual requesting their Credit Card but they weren't able to prove it. 
One of the facts that proves fraudulent intent is that the application to open a Home Depot Credit Card account was denied due to : Unable to verify information. 
Based on the above mentioned facts I reached out to XXXX  requesting the removal of the HARD INQUIRY but they refused!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and fradulent accounts that are on my credit reports. It has been over 45 days and I have not received a response from the credit bureaus. At this point I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) clearly states that failure to investigate these items in 30 days gives a reason to immediately remove these items from my credit reports. It has been over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten my info into the hands of the wrong person. 
The accounts I am referring to are : XXXX XXXX XXXX {$0.00}, XXXX {$5700.00}, XXXX at Midtown {$2300.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  dealer services XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have sent in letters to the credit bureaus over the last 6 months with a police report attached and I have yet to have the items that were not mine removed from my credit. I have sent in proof of address ( My paycheck stubs ), and my license and social security card. I am at a loss at this point because someone stole my identity and I have yet to have the things removed. 

My letters were sent in on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Among several other letters that were sent prior to these. 

I have not even received a response from the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Complaint sub-issue: Investigation took more than 30 days

These two companies continue to report false/ inaccurate information on my Consumer Report. Ive contacted both companies asking for Validation of the information their reporting on my profile and I have received anything, so according to Fair Credit Reporting Act i know they have 30 days to respond to any issues I have but its been beyond 60 days with no response. 
Please Update my account by deleting XXXX XXXX from my Report
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that this company Equifax send the me verifiable proof required to post the account listed on my credit report, which they never did which means its unverified and should not be on my credit report. Despite my three written requests, the unverified item is still listed on my credit report in violation of Federal Law. I need to know Who verified these accounts? How did they verify them? Equifax still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during their re-investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent in several letters to XXXX, equifax, XXXX  and collection accounts. On these dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket #, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. This is willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for a year now and the accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I demand that these accounts be promptly deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX - I sent a document to the XXXX Bankruptcy Court regarding the fact whether they provide Chapter XXXX BK information to any third party or credit reporting agencies. I now have a document stating they do not provide this information AND that they do not attach a complete social security number on any information. 

I then contacted XXXX  XXXX and got a security freeze and opted out of any of there information reporting. I now have a document which shows that my opt otu through XXXX XXXX has been approved AND a Security Freeze case number. 

In XX/XX/XXXX then sent a dispute letter to Equifax regarding erroneous information on my credit report regarding an old Chapter XXXX BK. I received a very QUICK within 5 days response saying they have verified all information as correct through XXXX XXXX. 

I then sent documents from the court house, from the freeze, and from the opt out to equifax regarding the fact that it is impossible they verified any information and I would like to know how they verified. 

It has now been 30 days and Equifax has yet to respond or to fix anything on my credit report. 

I have done and sent all documents required and all I get is silence.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report 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: Attempted to collect wrong amount

Hello, I received a letter in the mail from XXXX  consumer contact solutions. The letter stated that if I paid XXXX dollars they would wave the rest owed and settle my account. This did not happen so I tried contacting them 3 different times. Once by e-mail on XX/XX/2021 requesting a call back an an explanation as to why my account was not settled. Second attempt was by e-mail and phone on XX/XX/2021. The person who answered the phone told me I would need to contact a different department and leave a voicemail with my account number, name, and that Id like a settlement letter e-mailed to me. Third attempt was the same day XX/XX/2021 leaving a voicemail with requested information. 

I did not receive the requested letter in the 48 hour period mentioned it took on their voicemail. I did however receive a letter dated XX/XX/2021 showing a balance minus my payment amount. 

My belief is this company scammed me out of money with XXXX intention of settling my account like they said they would. I have tried twice with one credit bureau to have the status corrected and each time it was denied saying the amount owed is correct. 

I do not know what else to do to resolve this issue at this point. If I were scammed by this company I feel its important to report them so they are unable to continue to do it to others.
Complaint sub-issue: Didn't receive notice of right to dispute

On  XXXX   XXXX  AR Resources did knowingl y n willfully violate 15 USC 1692 ( 809 )   when they published their trade line to my credit report without sending the mandated assignment letter called for under this section if the FDCPA  n FLA STATUTE 95.11.      I say this due to  XXXX   XXXX  professionals sent this to them due to their mail being returned. Therefore, AR Resources had no VALID mailing address in which to follo w n adh ere to the FCCPA NOR THE FDCPA.     I contacted this agency on the morning on  XXXX   XXXX . I was spoken to by a very rude rep whom i informed that i had contacted  XXXX   XXXX  notified them i had ins for the  XXXX  hospital visit  n i wanted their trade libe off my report. She then connected me to a very rude condescending supervisor who told me " well i do n't wan na say i will do that n u call back in an hour n say it  is still on your report ''.
Complaint sub-issue: Charged too much interest

I noticed the money owed to my Discover card was not going down, plus I had not used this card in several years. I called them and they told me I was being charged the highest interest rate because all I owed them was from cash advances. I told them less than half what I owed was cash advances but they told me I was wrong. I asked them to check my records and see. They told me they could only go back 18 months and since I had not used the card in the last 18 months they could n't check back. They told me they could suspend the card for one year and charge the lower rate for that period of time. That year is about up.
Complaint sub-issue: Information belongs to someone else

DSNB Macy 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and XXXX. XXXX has corrected it. Thank you, XXXX.
Complaint sub-issue: Information belongs to someone else

The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of EducationXXXX {$0.00} XX/XX/XXXX
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir or Madame ; On XX/XX/XXXX, I placed an order from " XXXX XXXX for trial products resulting in charges of {$12.00} for products and shipping/ handling. I paid the {$12.00}. 
These were the only 2 products I received. 
I was then charged {$94.00} and {$89.00}, on my Sears Citibank credit card, for products I never received. I never placed another order or signed for " auto ship ''. 
I had no way of contacting the merchant, there was not an invoice in the package. This lead me to believe this was a scam and I turned to my credit card company for protection. 
My account, supposedly, was credited for only 1 charge of {$89.00}. ( Unfortunately, I can not find this letter. ) However, the charge of {$94.00} remained on the account. I have addressed this issue in my last 2 letters to Sears Citibank. Citibank told me that they did not receive some information in a timely manner from me, but I sent a letter XX/XX/XXXX that resulted in the recovery of above mentioned amount of {$89.00} only. 
I'm not quite sure how 1 charge can be credited, 1 remain outstanding, and all the late fees still upheld. All for products I never received. I should not have to pay for, or charged with late fees for products that were never received. 
This issue has gone to " collections '' despite my attempts to resolve the issue. 
In my most recent interaction XXXX ) with Sears Citibank, I sent a letter to " Sears MasterCard Recovery Disputes '', detailing yet again this past year 's issues. I am at my whit 's end to resolve the situation. 
I had been a good customer since XXXX, never had a late payment, and now this mess. 
I trust that all charges in this matter, {$89.00} ( if not already done ) and {$94.00}, along with all the late fees associated with these charges will be recovered/waived. 
I appreciate your time and attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I overdrew my bank account in XX/XX/XXXX and received a letter from CU Recovery collections. I called them to inform them the payment would be made to the bank not the collections agency. Afterwards ( the same day ) I verified this at my local bank with the bank manager and was ensured I could pay at the bank and no penalties would be levied against me. Again today XX/XX/XXXX I got another letter stating I owed the full amount when in fact I have paid down the original debt of {$420.00} to {$170.00}. This company is trying to collect the full amount AFTER being informed that they would not be needed.