Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Confusing or misleading advertising about the credit card

My name is XXXX XXXX I've been with credit karma since XX/XX/202, and i think I was deceived to apply for credit card through credit karma and I think it was im being mislead to apply for credit card and also preapproved for loans.i feel like they are giving me false information and I'm filing for emotional trauma and stress
Complaint sub-issue: Reporting company used your report improperly

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Complaint sub-issue: Their investigation did not fix an error on your report

The account was seen on my credit report and I found some erroneous remarks in the said account. Equifax has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate this account and feedback within 30 days with deletion of the unverified account. 
XXXX XXXX XXXX XXXX : {$19000.00}
Complaint sub-issue: Investigation took more than 30 days

Since early this year, 2019 and I have been contacting Equifax every now and then trying to get them to remove the freeze and or the fraud alert on my credit report. I'm currently in escrow and I'm unable to close escrow due to the freeze that the lender can not pull Equifax credit report. I called Equifax multiple times and they say no freeze or fraud alert but they are locking my credit and no lender is able to obtain a copy of my report. I faxed my DL and SSN with a letter to remove the freeze or the lock they have multiple times but still not moving and I'm unable to fix this problem with them. lenders can not pull Equifax 's report, they are locking my report and I'm facing a major financial loss due to the Equifax 's system.
Complaint sub-issue: Trouble getting information about the card

On XX/XX/2021, a fraudulent withdrawal was made to my Direct Express Deposit account from a cardless ATM machine, located in XXXX XXXX, California. I have followed all the instructions provided by Direct Express to have them return the funds of {$1000.00} to my account, including an extensive answer form, a police report, a statement about the circumstances, etc. It is clear that this is a fraud or identity theft perpetrated on my account. I have given a very consistent statement to Direct Express about this situation. Direct Express claims there are inconsistencies in my report, there are NOT. Direct Express refuses to refund my money and has closed the dispute. I can not reach Direct Express to discuss the situation. They schedule telephone calls to me that they never make. They are perpetrating and participating in a fraud on my account and I can not get any information. They take me around and around in a circle to get this scenario resolved and there is NO XXXX to appeal too or adjudicate the matter. It is a blank wall to try to deal with them. This is a very exasperating and dangerous situation for the consumer, especially a person who relies on Social Security deposits to cover their expenses. Direct Express does this because there seems to be no remedy.
Complaint sub-issue: Received bad information about your loan

Ive had FFELP loans serviced by American education services ( AES ) since a few years. I also have other student loans which are direct loans with the department of education. When the cares act was announced back in 2020, I reached out to AES and they told me that my loans with them were not eligible for the benefits under the cares act. This information was accurate at the time. However, there had been changes and announcements made by the Biden administration in months following, and AES failed to inform me of any updated information. Specifically, this new information included announcements such as FFELP loans becoming eligible to be consolidated into a direct loan so that the benefits of the cares act could apply to my FFELP loans. Since AES never communicated these updates to me, my loans with AES not only continued to accrue internet, but I also made loan payments when I was unemployed and could not afford to do so. Also, because my loans were not consolidated to direct loans, I could not receive any benefits that were available with the CARES Act ( pause on payments as well as no interest accrual ). Since last week, I have reached out to AES and received conflicting information. One agent tells me that my loans with AES are not eligible for loan forgiveness ( whether they are consolidated to direct loans or not ). Another agent gave me different and opposite information. They also tell me that the payments I made during and since the pandemic can not be refunded because that would make my account delinquent. Even though they failed to communicate any information regarding loan consolidation eligibility. I feel that I missed out on maximizing my benefits during the pandemic when I most needed help, because AES did not provide information and announcements which applied to my loans in a timely manner or at all.
Complaint sub-issue: You never received your bill or did not know a payment was due

when I joined XXXX they offered a Citi credit card. I took it just for emergencies, it stays in my glove box. I always use my visa from my credit union and pay the full balance every month. On XX/XX/XXXX I received a XXXX or XXXX XXXX letter delivered to my home. It was a Citi letter saying my account was past due. I immediately called for details. I was told XXXX had automatically charged my membership renewal to the Citi card. I explained that I did not authorize the charge and had received no statements, emails or calls. The representative suggested I pay the balance and he would file a dispute to refund the charges. I gave him my checking account routing and account number. {$240.00} went to Citi from my account ( statement attached ) On XX/XX/XXXX I realized a credit had no been received, so I logged onto the Citi account to check status. Not only was there no credit, the membership renewal was charged again, with interest and late charges. I contacted XXXX to complain and they referred my complaint to Citi. They say they lost my payment. The representative XXXX asked I send the statement copy. She later called and said she had listened to the call where I made the payment and was sure it had gone thru, but I needed to get more details from my bank, which I sent to her XX/XX/XXXX. On hearing nothing back, I asked on XX/XX/XXXX via email for status. I get a call back saying they had found the payment, and credited charges. I asked if she was going to contact the credit bureaus as this had lowered my score from its normal A to C ( copy attached ). She said that they would not. So I received my latest statement, attached, and it shows the lat charges and interest refunded. If it was not a mistake and they should explain to the credit bureau, why refunds? Citi needs to restore my credit.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXXI received a Loan from XXXX XXXX for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was T-boned by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with XXXX to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with XXXX because I had GAP insurance, they were contacting XXXX but XXXX did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and XXXX would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Reporting company used your report improperly

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Complaint sub-issue: Deposits and withdrawals

I have a credit card and a checking account at Citibank. I made a check deposit to Citi private bank. via their mobile banking application. I had previously tried to make the deposit to a separate credit union, but the check was above the allowed amount. I had to scratch out " For Mobile Deposit Only at XXXX '' and write " For Deposit at Citibank. '' I called after making the deposit and was told that they would notate the account and let me know if there were any problems. I was then notified that the deposit had been accepted and there was a partial release of my funds. Two days later I logged into the app and noticed that my checking ing account did not show up. When I inquired I was told there was a fraud alert on my account and that I could not currently use my checking account. I had never been notified of an issue and was told that the department that handles the account would not be open until Monday. I was told that my funds would be inaccessible and they could not do anything to help. I had a large payment that I was attempting to make today and am now unable and will incur a {$150.00} fee for the delay. Keeping a customer from their deposited funds without recourse nor notification is not only terrible customer service - it is illegal.
Complaint sub-issue: Information belongs to someone else

I've reached out to Equifax for the last several weeks and was unable to reach anyone that can help me. Equifax has continued to restrict my ability to dispute inaccurate information online. When I call in I get transferred around and have gotten no service and only offered a call back which never happens. Then the agent says I can only speak to XXXX in XXXX only which is never available and never returns calls. Im so fed up with Equifax 's discrimination of my credit file and how I'm continually being mishandled by Equifax and its employees. I was trying to reach out about a fraudulent account and inquiries listed on my credit file. The following account is a result of my Identity being stolen from and having my information included in data breaches : 1. XXXX  XXXX XXXX account ending in XXXX ) Fraudulent Inquiries : 1 XXXX XXXX  XX/XX/2020 XXXX / XXXX XXXX XX/XX/2020 XXXX. XXXX XXXX XXXX XX/XX/2020 Ive asked for a manager call back from the XXXX and I'm always told I can't speak to manager and that Ive reached the highest point of escalation. So even if I have a complaint from the Rep over the phone Equifax won't allow me to speak to any manger to voice any of my concerns.
Complaint sub-issue: Talked to a third party about my debt

Hello, I have a collection account from XXXX that was slated to drop off of my credit report soon, because we 're coming up on 7 years. 

About a year ago, my credit score dropped and XXXX, whose credit monitoring service I use, told me it was because of a new collection account. 

It is the same collection that was slated to drop off, but now it says that it was opened XXXX/XXXX/XXXX. 

XXXX XXXX was the original creditor. They charged me a ton of money in overdraft fees and I could n't afford to pay it. 

I have attached more info regarding this debt. I think it 's unfair that a collection account that is scheduled to drop off has been reactivated, with a corresponding hit to my credit score. It sounds unethical and possibly illegal. 

Thank you. 
-XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

To whom it may concern, I made an uninformed decision when I entered this consumer credit transaction. 
There was no evidence of indebtedness, the only evidence of indebtedness was the agreement but that agreement is null and void. It is null and void because I made a uniformed decision meaning that I did not understand its meaning and it was not clear and conspicuous. 

Reporting charge-offs on my credit report every month is defaming my character.
Complaint sub-issue: Other problem

On XX/XX/2021, I opened 2 purchase disputes with Citi and it's been a complete nightmare since then! One dispute was for {$190.00} and the other for {$100.00}. 
The tracking numbers show " delivered '' but I didn't receive 4 of the 5 items. And, the only item that I received was completely damaged!!! 

Citi asked me for all evidence that I have but still decided to rule it against me and in the favor of the merchant. 

Citi and the merchant took advantage of a small consumer here and there is nobody to talk to. 

The only reason Citi decided to rule in favor of the merchant was that the merchant threatened to send his lawyers to them and it scared them ... but they don't mind hurting the small consumer! 

XXXX and XXXX  XXXX XXXX are much better at protecting the small consumers against scammers online!!!
Complaint sub-issue: Attempted to collect wrong amount

This was done at the time when I was on XXXX from XXXX XXXX only making XXXX an hour with no insurance and XXXX kids and a husband who could not find work the hospital put me on a " sliding scale '' so it was cheaper supposedly and I qualified for XXXX but they did not help me get on XXXX I applied 3 times for XXXX but it was always on a " pending '' status and then the time ran out and then it came back as declined!!! I was on food stamps for dying out loud but could not get approved for XXXX! I had an XXXX that required me to take care of it other wise I would XXXX the doctor gave me no option she said it was life threatening!! I applied and applied for XXXX but still got denied on low income and single income my family only had me to provide!!! This is not fair to me that I was doing the required steps to get this taken care of and this was at the time XXXX was just rolling out and it ended up messing with my credit and showing as a delinquency! I want this removed from my credit! This was not my fault!!
Complaint sub-issue: Information is not mine

I was a victim of ID theft approx XXXX years ago and the key perpetrator was caught and convicted, yet there were other instances where my ssn and/or my name became associated with another individual. The most recent example was when attempting to confirm my identity to access my XXXX XXXX account, they used a XXXX product from Lexis-Nexis to try to validate my identity. Lexis-Nexis asked that I confirm city of residence of someone that I have never met and proceeded to deny my access because I declared that I did not know this individual when their records indicated that I should. I looked at available options to correct the data Lexis-Nexus maintains, but only options offered is a copy of a report that I already know has inaccurate data, which even for this requires much too much effort on my part to access my own information that they sell to others for a fee. 

While I can not proactively scan the world to see where else data on me is not correct ( e.g. when opening an account with XXXX Bank XXXX weeks ago their system showed my ssn associated with someone else ), when I find specific examples I need assistance to remedy. 

Please advise, anxious to clear up issues wherever I can. 

Thank you
Complaint sub-issue: Problem during payment process

Compared with other problems, this might sound minor, but Citi is being very misleading in how it represents the minimum payment option. There is now a bar graph that shows my full balance of {$2300.00}. It shades a portion to show the statement balance of {$640.00}, as well as another shading to show the minimum payment of {$25.00}. The statement balance shading portion for the statement balance is representative, in that it shades about 25 % of the bar ( {$640.00} is about one-quarter of {$2300.00}. However, the shading for the minimum balance is close to half of the statement balance! Clearly, {$25.00} is nowhere near half of {$640.00} ( in fact, it 's about only 4 percent ). 

To me, this is a clear attempt to trick people in to paying only the minimum balance, with people thinking they are making a bigger dent in their credit balance than they actually are. This will allow Citi to continue to collect interest on a much larger balance, while the consumer thinks he is paying down the balance.
Complaint sub-issue: Attempted to collect wrong amount

Company changed my account numbers at their whim. When I made payments to their automated system they did not apply them. They then reported me to the credit bureaus as delinquent causing damage and hardship to myself and my family. I have tried to contact them to resolve this issue and they have avoided trying to solve the problem. They have been using these tactics since I opened my account.
Complaint sub-issue: Other problem

Received a bank reliacard without asking for it, wanting it or having an account associated with it. Tried to fix with number provided but first request was for a phone number-did not provide one as concerned this is a scam.
Complaint sub-issue: Trouble with how payments are being handled

I am currently a teaching trying to make XXXX payments for student loan forgiveness. There are many stipulations to the qualifying payments. Over the summer of XXXX this loan servicer messed up my income driven repayment application. I was supposed to have a payment around XXXX dollars and for four months I was constantly on the phone with them trying to make them remove the XXXX XXXX monthly payment they were charging me. This was four months where I could n't make a qualifying payment because they messed up my account. Finally, I filed a complain with CFPB and within a week they fixed my account. Now, I went online to make my payment and they are saying my payment is only {$5.00} because my account is in " XXXX XXXX XXXX '' even though back in XXXX of XXXX I requested to have any paid ahead status permanently removed because it disqualifies payments from counting towards loan forgiveness. This paid ahead status should n't even be on my account because I made the exact payment due last month. When I called to speak to someone they kept transferring me to someone else, I spent HOURS on the phone during my day off trying to get the matter taken care of. Everyone that works here keeps telling me they have no idea why my account would only have a {$5.00} payment because they are n't showing any paid ahead status on their end. I believe this company is being dishonest and difficult on purpose for those trying to make qualifying payments and needs to be dealt with accordingly.
Complaint sub-issue: Problem accessing account

I am trying to link my account with the XXXX app, so I can fund an investment account. PNC is not allowing XXXX to connect to the app. I'm also having trouble connecting with Mint.com and other apps. It seems that PNC is not allowing third-party apps to connect with PNC accounts. This is incredibly frustrating. It's not up to PNC what apps I use or what I choose to do with my money. They must allow these apps to connect!
Complaint sub-issue: Information belongs to someone else

I haven't sent XXXX or more letters certified to all 3 bureaus about inaccurate information on my report that is severely impacting me with getting a home. I have requested validation and nobody has responded this is a FCRA VIOLATION and I want these inaccurate items of my report. 

XXXX Acct # XXXX - I have spoke to XXXX and removed my late payments I should have XXXX late payments on my credit report. It is still showing late payments for XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX Acct # XXXX - I DO NOT HAVE ANY AGREEMENT WITH THIS COMPANY AND ARE REPORTING INACCURATE INFO ON MY REPORT. THEY WILL NOT RESOND TO ME - FCRA VIOLATION. 

I would like these items to be deleted asap off my report. I've attached screenshots for your reference, thank you.