Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account opened as a result of fraud

Citibank sent me U.S. postal service mailing with a personal invitation code, to be used to open one of four types of checking accounts in order to receive a cash bonus. I used its online application to request opening of a Basic Banking checking account, which offered a 4 % cash bonus. I took note that nowhere in the application was I asked what type of checking account I wished to open - I thought that odd. Soon after online application submission, I received an email from Citibank indicating I had opened a City Priority checking account, which is not the type of checking account I wanted. The cash bonus for a City Priority account is 1.2 %. I immediately called the phone number given in the checking account solicitation mailing : XXXX. I told the Citibank rep. I wanted to be sure the checking account I had just applied for/opened was a Basic Banking and not City Priority account. I was transferred to New Accounts, and that rep. told me the type of checking account could not be changed. I requested immediate cancellation/closing of any Citibank checking account. I then asked if the personal invitation code could be used again, in a second attempt to open a Citibank Basic Banking checking account. She said the code could be used again after 150 days. I pointed out the last day to apply for the cash bonus account opening is XX/XX/19, less than 150 days away. I told her I will file a complaint about false, misleading advertising by Citibank. This is a " bait and switch '' operation. I consider this fraudulent behavior by Citibank.
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed a collection I was unaware of. Dispute never processed or investigated, but shortly thereafter started receiving threatening letters regarding debt owed that I was never made aware of. Requested verification of debt several times via mail and fax, and only received a copy of a judgement that was filed in XX/XX/XXXX that again I was never aware of. Never received notice of lawsuit filed, never received notice of right to dispute, never received itemized or detailed information about what the balance pertained to. Never received eviction notice, was never contacted nor followed up with. After several attempts to validate debt and dispute collection, have sought legal representation to pursue action.
Complaint sub-issue: Debt is not yours

This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although Americollect has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the XXXX major credit bureaus and it was removed from XXXX and XXXX but not XXXX. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to Americollect to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing Americollect can do. When I also reached out to Americollect via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked Americollect since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from Americollect. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and Americollect. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against Americollect and the provider, I want this collection removed ... immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # xxxxxxx XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX / XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Investigation took more than 30 days

Submitted investigation on XX/XX/2021 no updates, no investigation, no information given from collection agencies as well. I don't have contracts or recall any of these companies and violates multiple laws including FCRA, no sign of investigation and information given in 30-60 days. 15 USC 1692fg - Why would you add these accounts and not provide NO information on these accounts. I NEVER gave permission and this is MY credit report you're adding information about ME on.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened a US Bank XXXX Credit card at XXXX. I enrolled their offer get XXXX points after I spend XXXX in 120 days. I finished their requirement at XXXX and I called their customer service to confirmed it. They said everything was met. just wait for next month statement to post the bonus. After next month statement I still not get any bonus yet. I called them again in XXXX. They still confirmed for me everything ok they will let manager to handle it. But after that I do received the letter said I am not met the XXXX requirement yet. so no bonus for me. I called them one more time. Now their supervisor XXXX is very rude, she changed the story said my XXXX  card doesn't count to the requirement. So they won't give me bonus. What happened to the US bank. They just use tricky to treat customer like this? I use their bank a couple years. I am their loyalty customer. Now I felt very frustrating and unhappy for their customer service. I just be cheated. If they said I am not met their requirement on the beginning when I called them. I still has time to spend it. Not just wait for 2 months later to tell me about the result is no. I think maybe it is the way they can save the bonus to keep the money. This is unacceptable. I want them honor the XXXX bonus.
Complaint sub-issue: Public record

I have tried disputing this tax lien with Equifax that has been withdrawn with the letter of withdrawal of tax lien because I never owned the money, and the state of west Virginia realized their mistake. I have supplied Equifax the letter, and they still refuse to remove it from my credit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In the course of repairing our credit, we filed a dispute on two items with equifax credit reporting and after about 30 days they came back and said the 2 items were correctly reported, so we mailed them the court settlement that proved that we had in fact paid 2 items. About a week later we got an email that they had the results of the proof we sent, so we click on the check status button and it ask us a bunch of questions to verify our identity, and ALL the questions that were asked did not apply and we did not have ANY of the things they said were in our file, so we got a message that said to call because they could not identify me. So I called the number and got a guy that has a bad accent and does not speak very good english, and he proceeded to ask a ton of questions to identify me, and yet after ALL THOSE questions he said he could not identify me, EVEN after I told him about the 2 court actions I sent in to get the disputes resolved, so he said he was sorry that he could not identify me and there was nothing he could do for me? Apparently they have some incorrect information, but you would think after giving him a ton of information, he would be able to help me especially after sending ME the email with a code number on it? If I was a crook and got the email with the code, would I call with the number looking for a dispute status, AFTER giving him that info, and why would i want status? It make no sense to deny me my info. There has to be a better way ESPECIALLY when it takes so many months for them to correct things. I have to refinance my house by XX/XX/XXXX this year and these reporting agencies take so long to react to repairing things that we will loose our home in XXXX. Its terribly frustrating dealing with these places, they dont care if your the real person or not, because I seriously doubt that crooks want to call and ask for information about a dispute?, even when they give my address, ssn, where i work ( im a XXXX  ), and that Ive been at the same address for more than 10 years! Extremely frustrating and unfair when a place can hold so much power over us???
Complaint sub-issue: Investigation took more than 30 days

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Didn't receive notice of right to dispute

Alliance One sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Alliance One has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to send it within 5 days. As you can see, the date was XX/XX/2021 and today is XX/XX/2021. Attached is the communication I received from them, the first picture is of the front, the second picture is of the back. 

This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming this debt is owed.
Complaint sub-issue: Frequent or repeated calls

The guy that keeps calling repeatedly & leaving threatening messages on my voicemail, he says his name is XXXX XXXX. He said he was from MAC about a debt & that legal action would be taken against me. It will be put down as a refusal to pay & being evasive. I don't have any debt & I don't know who he is. He constantly calls from different numbers & leaves different call back numbers as well. Some of the call back numbers left on my voicemail are XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. He also called from XXXX ( XXXX ) XXXX
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

charge-off with 3 different dates listed under " date of last activity '' Equifax XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Please help there is fraud on this account. There is a balance of XXXX on a credit card Pnc points XXXX XXXX ending in XXXX. I am disputing this purchase as I never authorized it. Can someone help me and refund my money? I keep getting a bill for this each month when I never bought a thing. 
My social is XXXX date of birth is XX/XX/1960
Complaint sub-issue: Not given enough info to verify debt

Phone call received stating they were collecting a debt and I had nothing from them stating what it was for and verifying it was correct. They said they would mail to me but that I owed this money. Less than a week later, they called again and I told them again I still had not received anything documenting what the debt was for. They told me it was sent a week prior and that I needed to contact my post office to see why I had not gotten the letter yet and that I needed to set up payments immediately. I told them I would not do so until I had received something from the post office and it was their responsibility to mail that documentation to me, not mine. A week after, I received another call and ignored it as I still had no documentation. A few days later, they called again and again I let it go to voicemail. A few minutes later, THEY CALLED MY WORK PHONE. This is harassment. The company has not provided documentation and now they are calling my work phone disrupting my job.
Complaint sub-issue: Old information reappears or never goes away

There are 2 complaints that I am filing on equifax one 1.2 Incomplete family support account, does not contain the county that reported it, it is missing information such as the date of delinquency, and it is duplicated on my report fraudulently increasing my debt to income ratio with both accounts ending in XXXX, this should not have been duplicated, they are also inputting fraudulent dates on them re aging both accounts to make it seem like it is two different accounts, I have submitted proof, account this is considered fraud. 2nd complaint, the statute of limitations according to the fcra has ran out to report on this it has antedated 7 yrs, the fcra places a specific time limit on when they can report delinquent accounts starting with the first day of delinquency, both items are stating family support division, both items are stating the account number is XXXX it is the same account. I have submitted proof of the original date of delinquency since they have XXXX and XXXX being the dates of delinquency. The original date of delinquency is XX/XX/XXXX which they have been reporting this account XXXX for 8 yrs now, 1 yr over the statute of limitations since the first date of delinquency, by fcra it is to be treated like a regular account such as a bank, loan, or credit card account.
Complaint sub-issue: Having problems with customer service

I previously sent a dispute letter to the credit bureaus regarding the late payments on my account with Great Lakes. They were verified in which I agreed with and they annotated my credit report as being in dispute. I then sent them a letter by fax on XXXX XXXX which after me calling they received, that I was no longer disputing the account and to remove the dispute. The lady over the phone assured me that the dispute comment would be removed from my credit report. I am currently working with a mortgage broker to get approved for a home and this keeps holding me back from getting approved. Is n't this a violation of the Fair Credit Reporting Act if they fail to remove the dispute comment after I specifically told them it was no longer in dispute? 

I also looked at my credit report and noticed that the updated my account as being XXXX past due as of XXXX XXXX when this account was closed on XXXX XXXX. This dropped my credit score about XXXX points because it shows I was recently late which is not true. How can they get away with this?
Complaint sub-issue: Reporting company used your report improperly

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Pennsylvania Higher Education Assistance Agency violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Complaint sub-issue: Problem with customer service

I applied for a Citi Best Buy credit card back in XX/XX/XXXX and I was told that I have to go to a store with a picture ID and a credit card that I had open for a year and I show it to a store manager and I was approved with XXXX credit limit and my card was mailed .... and I access the website bestbuy.com.. and my card was canceled/shutdown for possible fraud and I havent use the card and never received it ... now I dont have patience for mails and I was told I failed the verification and I have to wait for a letter to be send to me in 7-10 days and Im considering closing this account if this keeps up ... I have a life and I need to work not sit around waiting for a letter to show up
Complaint sub-issue: Denied request to lower payments

My upcoming XXXX XXXX auto payment of {$400.00} is due on XX/XX/XXXX. I am in a federal disaster area due to Covid-19 with some of the highest cases in the country in XXXX County. I had called around XX/XX/XXXX to ask for assistance as my last day of work was XX/XX/XXXX. My company has laid off everyone and I am currently ineligible for unemployment benefits. Meaning I have no income coming in for the time being. With other bills between XX/XX/XXXX and XXXX, I knew I wouldnt be able to pay my upcoming payment. When I called and spoke to XXXX on XX/XX/XXXX, I was told to call back closer to the due date. I called back XX/XX/XXXX and was told the most theyre offering anyone right now is 15 days. They wont even allow the deferral of a single payment and the global economy is crumbling.
Complaint sub-issue: Problem with rewards from credit card

I have {$81.00} in my cash back balance. It can not be accessed. It must be applied as a credit to the statement balance if a balance exists. Because interest accrues daily on this account, I must let the balance accrue interest until the statement date for the cash back reward to be applied. This is unlike any other cash back card I have used. The reward does not in any way resemble cash which can be access and used at my discretion. This is not correct advertising. I would like my cash back balance to be transferred in full to my checking account. 

This is the second issue I have had with this card. The first was resolved in part and involved the lack of information surrounding the daily accrual of interest. 

It is my opinion that the practices of Upgrade and the features and advertising around this card are very misleading and predatory.
Complaint sub-issue: Information belongs to someone else

I have sent this multiple times to Equifax with no results, These collections are not mine and I have an attached and FTC report to get them taken off
Complaint sub-issue: Reporting company used your report improperly

From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX automotive group at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Complaint sub-issue: Problem during payment process

I have a loan with CITICARDS CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CITICARDS CBNA were no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018
Complaint sub-issue: Was not notified of investigation status or results

Im hoping someone can help me with complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Complaint sub-issue: Reporting company used your report improperly

They have violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that the consumer does not initiate.