Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

I have not been receiving rewards certificates for my best buy ( citibank credit card. ) I received a {$5.00} certificate that was reissued yesterday. I called their customer service number to find out what was going on. I have {$50.00} worth of reward certificates on my account, but their computer system says they were sent out so they can not be re-issued. I have checked every email account and can not find record of any emails with the reward certificates. I did find one for {$20.00} in XX/XX/XXXX.

I spoke with one gentleman before asking to speak to his supervisor ( who did not know what a supervisor was ). I spoke with XXXX ( Case ID XXXX ) today XX/XX/XXXX the entire call was from XXXX to XXXX XXXX ( CST ). I was told it was recorded.

No matter what question I asked, I was given a scripted response.

What is the point of having a rewards program when I can't used rewards points I was earning. I was specifically using my credit card to earn certificates to purchase a computer with Best Buy.
Complaint sub-issue: Account status incorrect

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER XXXX****
Complaint sub-issue: Funds not handled or disbursed as instructed

I make monthly payments to the same person to may my rent using the third party company XXXX through my bank account. One time in particular the payment that I sent to my Landlord went to another person and I did not recognize the mistake until nearly a few weeks later. 
I do not know the person that received the money I sent to my landlord. I selected the landlords name from the dropdown menu as I do overtime I send money. The name For my landlord is the only name that drops down because it is the only name that starts with that letter. 
A few weeks later when I was making another rental payment, I noticed an unknown name in all CAPITAL letters for the remaining amount I sent to my landlord. So I contacted XXXX, but because the payment was made from my account, I was instructed to contact my bank and handle the issue through them. I called my bank and explained to them the issue I had encountered and they began to look into it. Starting by giving me a conditional credit for the money missing. 
I then received a letter from my bank saying that because the person received the money I was to contact them. My claim was that I have been making the payments to the same person for months for the same total amount and asked why this did not look odd to them? It was a payment to complete the amount that I had consecutively sent monthly to my landlord. Citibank withdrew the conditional credit, making my account overdrawn and now states that I have to go after this person. I have no idea who the person is or why the name is on this payment. I have no idea who this person is, and when I type in the letters of their name it is foreign to my account, the name is not saved nor is it in the drop down menu for names to select. 
This seems to be a hacker and perhaps the money was intercepted, this is not my fault, and because I made this payment through the company which Citibank has provided, I believe it is their responsibility falls on Citibank and XXXX.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX not investigating dispute in 30 day periods.
Complaint sub-issue: Non-sufficient funds and associated fees

To take advantage of cash back bonus offered by US bank, I wanted to pay an utility bill in the amount of {$300.00} by using my XXXX XXXX ... XXXX. Instead, I inadvertently charged this amount to my Checking Account ... XXXX by using my debit card ... XXXX associated with the CHECKING ACCOUNT ... XXXX on XX/XX/2019. This mistake, according to the Bank, resulted in NSFs in the checking account. The Bank slapped two fees of {$36.00} each for this lapse ( They, however, reversed one charge later on ). The bank charge of {$36.00} is illegal, and fraudulent due to the following reasons : 1. The account has been handled responsibly and never been overdrawn over its three year long history. The bank created an artificial overdraft by setting aside a sum of {$300.00} for payment to XXXX, but DID NOT PAY THIS AMOUNT TILL XX/XX/XXXX. On XX/XX/XXXX, there were sufficient funds in the account as a cash deposit of {$400.00} was available on XX/XX/XXXX to cover the artificial cash deficiency and Bank never carried any risk of loss due to this made up overdraft. 

2. On XX/XX/XXXX, the Bank called me from telephone number XXXX XXXX XXXX to offer me overcharge protection, which was declined. Therefore, I never opted in for overcharge protection.However, I found to my utter surprise, on XX/XX/2019 that the Bank had set aside funds for payment of utility bill rather than bouncing back the charge. Therefore, I had to make an emergency deposit of {$400.00} to cover the set aside HOLD on funds. This reprehensible behavior of the Bank goes against the very spirit of the consumer protection laws, when it enrolls customers in overcharge protection without their consent and knowledge. 

The Bank may be asked to refund the illegal charge for fees in the amount of {$36.00}. Further, the Opt in practices of the Bank for Overcharge Protection need to be carefully investigated.
Complaint sub-issue: Account status

Equifax has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Equifax has not removed them. Equifax lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Account Number : XXXX Please remove it from my credit report
Complaint sub-issue: Debt is not yours

This collection amount of {$560.00} was incorrectly placed on my credit report in XX/XX/2017 and I had no idea it was there because I never received any notice of it. This debt should not be in my credit file because it does not belong to me.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was emailed by Tuitions Options at XXXX PM on XX/XX/XXXX. This company emailed me at a time that is inconvenient for me. They are prohibited from contacting me after XXXX XXXX  I will be sending a letter to the address that they provided asking them to contact my lawyer. They are asking me to pay {$4100.00}. They also said in this letter that delinquencies may be reflected in my credit report. According to Tuition Options, this letter is an attempt to collect debt for a university I was attending. I am currently in the re-enrollment process to start attending this university XX/XX/2022.
Complaint sub-issue: Their investigation did not fix an error on your report

I negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.
Complaint sub-issue: Investigation took more than 30 days

I have Submitted disputes to you and I didn't get a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes, please Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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: Problem accessing account

Hi. Please help me on this as I can not access my online account for over a month now. Even the " forget password '' option doesn't work as the phone number that appears where to send the one-time code is not mine and US Bank have not done any steps to correct it despite my claims due to fraudulent activities. On XX/XX/XXXX or XXXX - I received a text from US BANK that my mobile # has been changed and then followed by a XXXX transfer of {$500.00}. I immediately called US Bank about the fraudulent activity and informed them that I have not changed my phone number, I was shocked and can't believe what was happening. US BANK advised to lock my checking account and credit card to avoid any further fraud transactions. It also means I won't be able to access my online account until I everything has been cleared. I was told to visit one of the USBANK locations to get a new card # and get further help to resolve all issues. Once at the bank, i informed the banker about the fraudulent activity and told her to remove the unknown phone number, there should be only my phone number on the account. Record has been updated except for the online account as I was told to call them again. Following, upon checking my online account still i can not log-in. Even the forget password option still doesn't work. Once again, i called online banking service and fraud department to help me, i was on the phone for more than an hour, have been transferred multiple times and was asked same details name, address, date of birth and ssn multiple times but still they were not able to help me. Worst to know that someone's phone number is still on my account. i am not receiving any text nor any alert, hackers out there is getting it! i thought the fraud phone number has been removed! Didn't I already informed them about it? on the phone and by visiting one of their location a month ago! I was informed tonight that they will issue a claim to remove the number and it will take 3-5 business days! Haven't they taken any steps to correct it? I've been with them for more than 10 years. I felt so disappointed as they have not done enough to resolve this issue and the stress it has given us. it's time to end it and move to a reliable bank. Thank you for your help in advance and any help big or small is greatly appreciated.
Complaint sub-issue: Company closed your account

I called to get m y Citi Aadvantage card changed to another Citi card. It was very hard to get a human being on the phone so I asked for the cancellation line.  Representative was very unhelpful and rude so I hung up with the intention to call back and speak to someone else. She then closed my account without confirming with me that is what I wanted or reading any disclosures to me. I asked to have account reopened and was told no.
Complaint sub-issue: Attempted to collect wrong amount

Balance : {$1100.00} On XX/XX/2019 I notified Afni in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Afni refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Afni under the Dodd-Frank Act.
Complaint sub-issue: Account terms

Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Equifax for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and it been a complete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an SST/SYNOVUS ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Equifax about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance charge-offs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.
Complaint sub-issue: Can't use card to make purchases

Discovercard refused to verify me so I could activate my new card instead they used their trust and safety, department claiming that I need a phone number that is part of public record which is complete nonsense and none of the credit card companies have ever done this with requiring a phone number to be public record. 

Theres plenty of documentation to verify the consumer if Discovercard truly wanted to but they chose to give me the run around and it took countless calls and complaining about The lack of service provided to me. I dont appreciate people purposely impeding on my civil/financial rights to access credit. 

I had to threaten Discovercard with legal complaints just to get them to at least wan na verify me as a consumer this is clearly blatant discrimination and harassment. Incredibly XXXX illustration of denying women credit and men dictating and deciding if a woman should have credit or not- please note the decision was already made clearly I qualified for the card but now they dont want me to use it- its fine this is another example of performance and facts that dont matter it is the whims of egotistical men and their idiotic ideas- happy my credit is good and my payments are on none of that matters to Discover its about denying access.
Complaint sub-issue: Can't close your account

About 4 weeks ago I received a Cash App Card in the mail. I assumed it was a scam of some sort as I hadn't heard of the company. The card has my name and address on it. I looked them up to realize they are a legit company. I attempted to contact them but there is no direct contact information on their site or via the app. It showed they are a Square Inc product so I made contact with Square and received no responses or resolution. I downloaded the Cash App to try and sign in using the information I received. The card provides a unique cash tag of $ XXXX and by inputting this to gain access to the account the app responded that in order to receive support, I had to have access to the email address associated with my account XXXX ( it doesn't display the full address ) which I have no knowledge of or access to. 
From their website it shows that my name, address and ss # are required in order to get the card I received in the mail. Clearly a fraudulent account has been opened in my name and they provide no way to get this handled.
Complaint sub-issue: Reporting company used your report improperly

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, Debt Declaration Letter, and cease and desist. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am submitting this complaint because Equifax has not completed an investigation or have failed to communicate back any status of an investigation with me since my dispute submission. On XX/XX/XXXX I sent a letter disputing inaccurate items found my credit report as well as a notarized id letter my driver license and bank statement. I never havent heard anything at all from XXXX. I understand with covid things may be a little backed up, but we are now over XXXX days since my request, and I havent heard a thing. I even sent a Follow up letter on XX/XX/17. I am now involving the CFPB because it now seems you are neglecting a dispute and is against the FCRA. You had legally required time of XXXX days. Please deleted these inaccurate items from my report. Attached is a copy of everything I have sent as well.
Complaint sub-issue: Don't agree with the fees charged

On XX/XX/19, a payment was submitted from my personal bank account to a loan consolidation company called, " Federal Consolidation '' based out of XXXX, TN for the amount of {$260.00}. The next day, XX/XX/19, this payment was cancelled by the company but I never received the corresponding refund to my bank account of {$260.00}. I spoke with a representative from this company who told me I would be receiving this refund soon. It is now XX/XX/19, and I have still not received this money and I can not reach this company by phone or by email to determine the status of my owed refund. The company has not reached out to me in this period of time to resolve the issue of the refund. I spoke with my federal loan servicer and have requested to cease services with " Federal Consolidation ''.
Complaint sub-issue: Application denied

Received letter from Discover card of denial application. No application under my name was ever filed. Thankfully application denied due to lack of imformation.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Complaint sub-issue: Account information incorrect

ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.
Complaint sub-issue: Investigation took more than 30 days

I asked Equifax and XXXX  on to conduct a investigation per section 605b of the FCRA. I sent them a copy of a FTC AFFIDAVIT NOTARIZED AFFIDAVIT AS WELL AS A FTC IDENTITY THEFT REPORT. 
I sent all request certified mail ON XXXX XXXX OF 2020 or with delivery tracking. They refused my blocking request of the  information because they cant meet the time guidelines set forth by the FCRA. Equifax said no on XX/XX/2020 by letter to the blocking request with no reason why? But said they would do a regular investigation which simply gives them more time then what is set forth by the FCRA FOR SECTION 605B. Not giving a legitimate honest reason why is a violation of my rights by law. XXXX  on XX/XX/2020 sent a letter and said no that they had investigated in one day and had clearly not investigated anything and offered to do a regular investigation into the identity theft. I WILL SUE ALL OF THEM IF THEY DO NOT GET THIS CORRECTED. THIS IS CAUSING ME FINANCIAL DAMAGE.
Complaint sub-issue: Debt is not yours

I am receiving calls and texts message from a company that i don't know, how they have my information is unknown and I would like it to stop.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for XXXX leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, XXXX, SC XXXX XXXX   XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # 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 agency can not furnish a account without my written instructions.