Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

In XX/XX/XXXX I opened my credit card app to make to make another payment on my account and noticed that citi bank had decreased my limit by {$14000.00}. They did this without warning and it only came after I had paid off my full balance with them. I called citi bank immediately and they said they they get regular reports from the credit bureaus and that the reason that my card balance decreased was because of the high limit on my other cards. Well Ive already paid all my other credit cards off as well. This is wrong and definitely unfair. I believe citi only decreased my limit because I had fully paid them off and they were no longer going to make money from me by having all the interest payments
Complaint sub-issue: Problem with customer service

I have owned my domain for 15 years. I have used the same email address for interacting with Best Buy for that duration, and the address is current/active. I own the mail server, and have verified that I am receiving everything I should. I have used this same email address with the credit card company through Best Buy ( Citi ) for about 12 years. I have no issue, again, with the email address, and verified with two reps that I had received my statement on XX/XX/2023. 

My problem is that for the past six months, every time I log in ( regardless of machine, browser, or app ) I receive an error " we're having trouble contacting you, please enter your correct email address ''. No matter how many times that I enter the email address, the next time I come back - even if it's only been seconds - I must type it in twice. 

I have attempted to contact the Citi group card services, and have received incompetent outsourced call center staff that don't seem to have any clue what I'm talking about, and are reading irrelevant things from their script. I've been promised some imaginary " back office '' person would fix the issue- it has not. I have been promised " supervisers '' that could do this - and was probably given a lateral transfer to another inept Tier 1 call center rep from the other side of the world. I've been told nonsense - and lies. and had promises that this would be resolved. 

To be fair, I can make purchases with no problem. I receive email with no problem ( despite the claim during login ). And, if I type in my email address twice ( each time ), I can view my account details, make payments, etc. However, something is broken with the account, if it can not hold an email address which has been in the system for over a decade, longer than one login session.
Complaint sub-issue: Information is not mine

I was a victim of False Impersonation, and I am one of the agents for the company XXXX. Someone how several fraudulent accounts that appeared on my personal credit ended up on the company credit report as well as my personal home address. 
I have sent in a copy of my personal police report 3 times advising Equifax that the accounts were fraudulent and should not have appeared on the company credit report or my home address ... I was told my address and the account were removed in XX/XX/2014 to date, the same accounts are still present- nothing has been removed. 

I am requesting account numbers XXXX XXXX and XXXX be removed as well as address XXXX, XXXX CA XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

My complaint is about my HOME depot credit card. 
I paid my balance off of {$78.00}, in XXXX XXXX this left me with a XXXX balance. 

I relocated to an other state on XX/XX/XXXX, I went to local Home depot and bought some supplies and also ordered some on line. 
On XX/XX/XXXX I receive a statement from Home depot, stating I am past due! 
According to home depot, their billing cycle ended on XX/XX/XXXX, and they sent a statement out that was due XX/XX/XXXX. I never received that statement, BUT I did receive one on XX/XX/XXXX. 
Home depot 's states it's not their fault if USPS did not deliver my statement. 
After reviewing my statement first charge posted is XXXX XXXX and a second on XX/XX/XXXX. So how could they even have been on a STATEMENT CLOSING XXXX XXXX? 
Then I was told I had a cease and desist on my account, and they were not allowed to call me, First I have never in my XXXX years ever heard of such a thing on a credit account, I asked when it was put on and by who? 
I was told it may have been put on it XXXX they were not sure and did not know who had put it on. 
I called back and asked for a supervisor, and was told it was put on, XX/XX/XXXX my the prior agent I talked to. DA! 
Then I WAS TOLD purchases were made on XX/XX/XXXX, but my statement has first one posting on XX/XX/XXXX. 

WHY SO MUCH MISINFORMATION? 
WHY SO MUCH OF TELLING LESS THAN THE FACTS? 

FACT ONE I did not receive a statement until XX/XX/XXXX their fault my fault USPS fault it doesn't matter. 

FACT TWO I have no idea what a cease and desist on a credit account is, and I never had one put on so WHO DID AND WHY.
Complaint sub-issue: Problem during payment process

Discover Card failed to properly credit a payment. On XX/XX/XXXX, I made a payment for {$9000.00}. 

Discover applied that {$9000.00} payment to a lower rate balance transfer balance ( a {$15000.00} balance transfer was applied to the account on XX/XX/XXXX ) and failed to apply any of that {$9000.00} payment to the higher rate purchase balance. As a result, I incurred significant interest charges, which were not warranted. 

In XX/XX/XXXX, Discover acknowledged the error promised to rectify it by transferring the payment and applying it correctly. The bank failed to do this. 

Subsequently, another bank representative stated that the bank was unable to move the balances. Instead, the representative promised to waive the higher interest charges through the end of the balance transfer promotion. The bank did so for 4 months, and, afterwards, in XX/XX/XXXX, stopped doing so. 

Now, bank representatives wrongly claim that there was no error in applying the payment. Furthermore, the bank claims that it only promised to waive the additional interest for a period of four months, which is not the case.
Complaint sub-issue: Reporting company used your report improperly

I want to file a complaint against Equifax for allowing hackers to steal my data. The CFPB better be investigating them!
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Information belongs to someone else

To whom this may concern, The following companies currently, or at a point in time were either, opened accounts, accounts that were inquired about, or either locked accounts with too many failed log in attempts. Over the course of the years I have tried everything to get my identity theft issue resolved. I have set up security locks with all 3 credit bureaus, hired a credit repair agent to remove fraudulently opened accounts, reached out to each creditor directly to provide supporting documentation in regards to proving my identity. Majority of the fraudulent accounts were completely removed except for Spotloan, which is now showing a balance of {$830.00} on all credit bureaus, XXXX XXXX, XXXX XXXX, and XXXX which are charge offs now. I will be filing a police report, and reporting to the Fair Trade Commissions website. I will provide a list of the following companies involved ; XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX, and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I pulled my report only to find information reinserted that was not investigated. I have sent in the proper documentation which is my social security card and a recent utility bill and still the wrong address and information is showing on my credit report. There are 2 addresses that do not belong to me one. One being XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX. Equifax had removed the addresses and without any validation reinserted them back on my credit report. Equifax did not notify me by mail within 5 after the reinsertion nor was there any documentation sent to my home in XXXX XXXX. I just so happen to pull up my credit report and saw the erroneous information back on my report. I also know for a fact the reason Equifax keeps reinserting this incorrect information is because of the addresses that is on my report. XXXX pulls up the addresses and the addresses are linked to these credit cards that are not mine. I have asked for signed documentation bearing my signature and no one is willing to provide that. The bank of missouri is on my report 2xs, XXXX, XXXX and XXXX accounts that I have no relationship with. I am a authorized user on my sons credit cards which is XXXX, XXXX, and XXXX  XXXX and recently a XXXX card. Also there is comments on my credit report that I did not put there and I want them removed immediately! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the accounts and the needs attention comment on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Once again this is not a request to investigate, but to update, so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Account information incorrect

I am noticing inaccurate information on my consumer credit report regarding XXXX Bank. Equifax is reporting the account as OPEN with a {$910.00} balance. In the remarks section Equifax is reporting XXXX disputes-reinvestigation in progress with 30-59 days late. I have not received any written notification of this investigation. 
XXXX is reporting XXXXXXXX XXXX as XXXX with a {$1000.00} balance. In the remarks section XXXX is reporting Canceled by credit grantor with 120-149 days late. 
XXXX is reporting XXXXXXXX XXXX XXXX XXXX  for {$1000.00} balance. In the remarks section XXXX is reporting Account closed at credit grantors request with 150 days past due. 
Consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual while being fair and equitable to the consumer and shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of Accounts below has Violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  account Account number : XXXX 15 U.S.C 1681 Section 602 A. States i have right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Didn't receive terms that were advertised

Citibank is refusing to pay out advertised promotion ( XXXX ) of {$400.00} for opening a new account, despite offer terms being met. 

Citibank states that the minimum balance requirement was not met for the stated terms. It only dipped under for a couple of days due to an erroneous account maintenance fee charged by Citibank, which I had to inquire about and have subsequently reversed by Citibank. 

I have called customer service numerous times and have not gotten anywhere, including a call with a 'manager ' on XX/XX/2018 in which he stated my dispute was re-submitted for review. Upon calling on XX/XX/2018 for a status update ( the date the manager had asked me to check in ), I was  informed that there was no record of the case being resubmitted. 

Would be happy to provide full account statements as proof of the terms of this offer being met.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX 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 XXXXXXXX XXXX Balance : {$2900.00} XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX BANK XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I received information that I may be deploying and I paid all the balance on my Citibank credit card and kept the card, not knowing that they charge me interest after the billing cycle, without communicating with me the charge accrued interest which I didn't know until they reported it as late payment on my credit report on XXXX XXXX. 

When I reached out to the bank, they reversed all the late payment fees, I paid the remaining payment and they decided to close the account which is not fair to me. 

They put the 90 days late payment for the little amount and despite the fact that I already settled the payment and the late payment is not my fault it is the bank that failed to communicate with me that I have payment that is due. 

I will appreciate if the late payment can be remove from my credit report with XXXX and XXXX, I filled dispute with them and they didn't remove it because the bank claimed that it is valid charge, I explained the same to XXXX XXXX and they already removed it That is the only late payment on my report because I always ensure that I make my payments on time
Complaint sub-issue: Loan sold or transferred to another company

I had a lease with VW Credit started in XXXX. XX/XX/XXXX I decided to sell the car to XXXX XXXX. They did all the paperwork early XXXX My payment that was due on XX/XX/XXXX still came out of my account, although for days I did multiple attempts to reach VW Credit with no luck. At the end of XXXX I finally got somebody on the phone and they said that the XXXX payment will be refunded and I just need to cancel the auto-pay so I did. Today I received a notice from XXXX saying that my XXXX payment is past due and I owe an upcoming payment as well. Although the person on the phone I told me that that was not the case and they had already received the paperwork from XXXX XXXX. 

Again, I tried to message VW Credit again with no luck. My fear is this would affect my credit. Is it possible to reach out to them to cancel the payments and give me my money back for XXXX? Reaching out to them has no luck at all and they even acknowledged all paperwork was received. 

Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received unwanted marketing or advertising

XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I received promotional checks that could be written of of my existing credit line at U.S. Bank. They stated that using the checks would include a 0 % APR through my XX/XX/2023 billing cycle and could be written for an amount up to the amount of credit available on my card. I wrote two of these checks believing I understood the terms, only to find out that each of the checks incurred a 4 % fee. 
I had since shredded the last of the three checks so I accessed U.S. Bank 's site to see what I could find about the fees and in much smaller, legalese-type text it includes a note that refers me to Interest and Fee Information disclosures. 
I do not believe this was unfairly represented in the checks that I received in the mail. I feel the marketing of this promotion is deceptive and led me to believe that the only " fee '' I would be charged is standard interest if I were not to pay off the balance before the XX/XX/2023 billing cycle. It feels abusive to not be reasonably presented all information or the opportunity to access it without incurring extra time-cost and navigation to an area that wasn't clearly presented. 
I contacted U.S. Bank on XXXX and lodged a complaint under UDAAP principles and they stated it would be delivered to their marketing team and other " higher ups. '' Obviously, I don't know exactly what that entails but I'm hoping they see it and correct their marketing materials. 
I feel that these fees should be reversed in full and that their marketing materials should more clearly state that fees are applicable and detail what they are without requiring me ( the consumer ) to have a law degree to get there.
Complaint sub-issue: Information belongs to someone else

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Trouble with how payments are being handled

PLSF : I have been making qualifying payments towards the PLSF- Public Service Loan Program since my employment with a governmental organization ( Department of XXXX XXXX and XXXX ) since XX/XX/XXXX. I have the employment certification confirming this information since XX/XX/XXXX to present day. 
In XX/XX/XXXX, I received a payment count letter from XXXX noting that I have made only 4 out of 24 Qualifying Payments towards the PLSF program fromXX/XX/XXXX to XX/XX/XXXX. I then contacted XXXX in XX/XX/XXXX requesting review of the payment history and why only 4 payments were being counted and not the entire 2 year period ( 24 payments ). Please note the payments were paid through my debit account as per instructions provided by XXXX and verbally confirmed via customer service at fedloan that these payments were being counted under the PLSF qualifying payments from XX/XX/XXXX to XX/XX/XXXX. 
In XX/XX/XXXX, I had not received any updates regarding the payment review or an updated qualifying payment letter. So I filed a complaint regarding this matter through Student Aid feedback in XX/XX/XXXX. I was then assigned a team member from XXXX and an updated qualifying payment to 23.  However, the payments from XX/XX/XXXX to XX/XX/XXXX stands at 4 due to pay ahead schedule that i requested to be taken off and reviewed as XXXX verbally confirmed that the pay ahead schedule is being reviewed and can be disputed if i was given the wrong information. On XX/XX/XXXX, they confirmed the review has been closed and the payment count for XX/XX/XXXX-XX/XX/XXXX stands at 4 due to not paying full a, ount due to pay ahead status.
Complaint sub-issue: Information belongs to someone else

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Complaint sub-issue: Debt was paid

I had XXXX satellite TV services they were no longer able to provide after I moved to locations the signal was not able to reach. I returned the equipment in the packaging they supplied, confirmed they received it and paid the final amount owed. Since then, XXXX continued to attempt collection, and repeatedly turns the account over for collection. The latest collection agent ENHANCED RECOVERY COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Reference No XXXX. About every 2-3 months, I 'm notified of another collection account and have to dispute it with the credit bureaus, who delete it until the next one pops up.This damages my credit history and scores, and necessitated time and aggravation while I needed to rest and heal while undergoing medical treatments. Please help to remove this incorrect information and hold these companies accountable for their inaccurate, sloppy and damaging practices.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX/XXXX  XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report
Complaint sub-issue: Old information reappears or never goes away

The following fraudulent accounts keep reappearing on my Equifax credit report : XXXX XXXX, {$1100.00} account was opened on XX/XX/2015 and XXXX XXXX XXXX, {$2600.00}. The fraudulent accounts has been deleted numerous times from my credit report.