Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2022, I signed up an US Bank XXXX XXXX Account with promo code XXXX. The following are the text I grabbed from the sign up web page : Earn {$400.00} when you open a new eligible U.S. Bank checking account and complete required activities.1, 2 Offer valid through XX/XX/XXXX. 
Earn your reward. 
Complete these steps within XXXX  days of opening your new Platinum, Gold or Easy checking account in a branch, online or over the XXXX Enroll in online banking or the U.S. Bank XXXX XXXX XXXX 
Complete XXXX or more direct deposits totaling {$4000.00} or more. 

To have the promo code automatically entered for you in the application process, use the Apply buttons below. If you apply for your checking account on another page, youll need to enter this promo code XXXX : XXXX. 
Easy Checking account This is a basic checking account with standard features available in all of our checking packages. These include mobile and online banking and a U.S. Bank XXXX XXXX XXXX. 
The {$6.00} monthly maintenance fee can be waived if any XXXX of the following applies to you : Your combined monthly direct deposits total {$1000.00} or more. 
You keep an average account XXXX of {$1500.00} or more. 
You are age XXXX or greater. 

I have since fulfilled the requirements, deposited more that {$4000.00} within the 60 days. I have yet to receive the bonus after XXXX months. 
I have contacted US Bank customer service on XXXX occasions : - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX  Each time they would email request to another department to research the issue. I have yet to hear anything back.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent a certified dispute letter to XXXX stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX/XXXX  XXXX  XXXX  Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 )  U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from XXXX stating the following : " Outcome : Remains - the company that reported the information has certified to XXXX that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit file and noticed hard inquires on my credit report that were not authorized by me. XXXX ( XX/XX/20 ) XXXX XXXX XXXX XX/XX/20 ) and XXXX XXXX XXXX XXXX XX/XX/20 ). I have never done business or have tried to acquire credit from any of these companies so I would like for these inquiries removed from my credit file. I have reached out to these companies already but they do not have any information for me on file so they are not able to help me. 
I think that my information could have been stolen when my home was broken into and someone could be using my information to obtain credit. I would like for these inquiries to be removed ASAP as they were not authorized by me.
Complaint sub-issue: Information belongs to someone else

had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX   about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. smh when people are put in the wrong position I'm sure XXXX XXXX wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO
Complaint sub-issue: Sent card you never applied for

I am in the middle of trying to purchase a home for me and my kids. I am a single mom and have worked hard to maintain great credit and save for a down payment. When my lender went to run my credit score my rating had dropped 100 points hindering my ability to buy my home. The score had dropped due to a credit card being opened by XXXX Citibank without my permission or application. When XXXX switched over from XXXX XXXX to XXXX I called and said I did not want the card. They assured me the card had been closed. I never saw the card or used the card. They proceeded to charge a XXXX Membership to my card even though I told them not to. This occurred last XX/XX/XXXX. I called them and they assured me the card was closed and that the fees, interest and charge had been handled. I have battled them for a year since then for a strange XXXX charge that keeps showing up on the card for interest against a {$0.00} balance on an account that is closed. They are killing my credit score. When I attempted to speak with them about this they said I could not talk to their disputes department and that I could only fax in my complaint. My lender is asking for a letter that states this was cleared up last year and will be deleted form my credit. They are refusing to give me a letter despite admitting over the phone that they can see it is an error in their system and that they don't know why their system keeps doing this. I desperately need your help. I am in escrow right now and if I can't get this cleared up in the next week I will lose my deposit and my home.
Complaint sub-issue: Information is incorrect

The report lists Convergys as my current employer but I currently work for XXXX and a clinical research company name XXXX. Please update the information on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

First and foremost, these accounts are hindering me from obtaining my veteran home loan because it appears I still owe the government, when in fact, I dont. I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX balance. The accounts are CLOSED, and they are PAID OFF, and they have a XXXX balance. So how I can be 120 days late under those circumstances. Furthermore, how can I be 120 days late, if I was never 30, 60, and 90 days late, which is clearly shown in the two year payment history section of my credit report. And in response to my last dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting clear and factual inaccurate information. Surely this is grounds for removal. Even more, i feel my rights have been violated under 15 U.S.C 1681s-2 ( A ) ( 1 ) which states : 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. And I have proven that. I've attached clear and undisputable proof to back up my claim.
Complaint sub-issue: Can't decrease my monthly payments

Despite consistent contact with Sallie Mae and efforts to negotiate affordable payments with them, they continue to use hostile collection tactics with me. They refuse to even attempt recalculating my monthly payment after submitting paystubs that show my monthly income to be around {$2000.00}, while the monthly payment they are requesting are over {$260.00} per month. This is well over what I can afford, and they refuse to negotiate an affordable payment in any way, while repeatedly calling and asking for immediate payment while redirecting me to numerous collection agents as I attempt to find someone to negotiate affordable payments with. I understand the obligation of this debt, and wish to honor that obligation, but I can not sustain the payments they are requesting without placing a severe financial burden on myself and my family.
Complaint sub-issue: Problem with balance transfer

Hello, CashApp has taken money away from me from refunds ranging from 80 $ -300 XXXX I have also not received any of these refunds and also have not received any help on getting these refunds pushed through, my paycheck also has not been deposited into my account, which is strange because it always goes through at the same time, every week, and every month. I have contacted all the merchants and they all said they have all processed the refunds fully through their end, its just cashapps end not fulfilling their end.
Complaint sub-issue: Problem with fees

I had previously complained about the XXXX XXXX credit card with Complaint Id XXXX. That was resolved by XXXX XXXX. After that resolution I had requested XXXX 's customer department to close my credit card and asked if there was any balance and I was told that there was no balance pending. The customer service rep assured me that my credit card account will be closed and this happened sometime in XXXX. But few weeks after that sometime in XX/XX/2018 I received a statement that some amount was pending with the late charge. I called customer care and explained them about my earlier conversation but they were not willing to understand the situation. I told them I am ready to pay the balance but not the late fees but they refused. With XXXX kids to manage there are so many things to follow-up in life. I have many other credit cards and I have never faced any difficulties with them and my credit rating is very good. I want to close my credit card account with XXXX XXXX and pay the amount I owe. But I don't want to pay the late fees and interest charges. As per the statement from XXXX 's the purchase made was for {$27.00} and the fees and interest is {$240.00}. My account number is XXXX. Also upon payment of {$27.00} I want an email confirmation that my account has been closed. 


Kindly help me.
Complaint sub-issue: Their investigation did not fix an error on your report

My new credit report pulled on XX/XX/2017 is reporting a XXXX XXXX paid collection that was deleted and now it has been added back on to my file with Equifax. The CRA did not provide me notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( XXXX ) ( B ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX - Account # 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: Difficulty submitting a dispute or getting information about a dispute over the phone

In accordance with Equifax 's instructions related to the data security breach, I was identified by their website as an impacted consumer. On XX/XX/XXXX, I was instructed to return to the site after XX/XX/XXXX to sign up for the free XXXX XXXX XXXX. When I returned on XX/XX/XXXX, I registered and was told I would receive an e-mail with a link " in a few days '' to active the service. It 's been over a week ( since registering and two weeks since announcement of the breach ) and a link has not been received. I attempted to contact Equifax on its security breach customer service line and they could not state when I would receive the link or that my request was even in process. They did indicate that they have been " overwhelmed '' with requests ( which is amazing that they did n't prepare as given the size of the breach, they should have expected millions of requests ) but had no answer for how long it would take and to keep checking for an e-mail. Based on news articles, it seems that a number of people are having the same experience. The breach is bad enough, but the lackluster response has been terrible. I did notice that they are still advertising and accepting requests for paid services on the website. Curious if paying customers are getting priority or being signed up before the breach impacted consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

For about a month now I have been in contact with XXXX regarding some accounts that were already asked to be removed from my credit report by myself and assumedly by PMAB. XXXX   and XXXX  have removed the accounts from their bureaus. XXXX  has not. XXXX  has removed the creditor 's name ( PMAB ) but is still reporting the remainder of the account information for the accounts in question ( there are some generic numbers in place of PMAB 's name ). They told me that PMAB had not requested that the information be removed and they would have to request that the information be removed from the report before XXXX  would remove it.
Complaint sub-issue: Transaction was not authorized

My account was fraudulently charged multiple times for months by non-existent foreign companies. I unfortunately didn't pay close enough attention and it took me a while to realize how much. Some transactions were months old but some had just occurred. Because I didn't report it when it first started happening they refuse to help me. The charges are several per day and in some instances there were as many as 5 in a day for the exact same amount to 5 different companies. It was obviously fraud but PNC Bank won't help me and in fact have charged me over {$1000.00} in fees this year. They are profiting of their inability to keep my funds safe and there seems to be nothing I can do about it.
Complaint sub-issue: Account information incorrect

A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures. 
4. XXXX  XXXX states they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )
Complaint sub-issue: Reporting company used your report improperly

Equifax has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy. 

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Complaint sub-issue: Was not notified of investigation status or results

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022
Complaint sub-issue: Information belongs to someone else

The collections account and credit inquiries thats currently listed on my XXXX XXXX and Equifax credit report is a fraudulent collections account and credit inquiries : XXXXXXXX XXXX XXXX  XX/XX/XXXX, balance : {$5600.00}, XXXX XXXX, XX/XX/XXXX, XXXX BANK, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX Bank, XX/XX/XXXX XXXX and XXXX XXXX Bank, XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The problem I'm having is I've contacted the 3 major credit bureaus and asked them numerous times to validate inaccurate information on my credit report. I will attach the letter I sent to all 3 credit bureaus.

All 3 bureaus mailed dispute result back claiming to have verified the items on my credit report. Now the issue occurs because they did not validate the information from the original data furnisher via by mail they did it electronically and also, they never produced a copy of the signed contract with my name on it. The 609 Fair Credit Reporting Act the ( LAW ) requires that the information on my credit report must be accurate, verifiable and not outdated and 100 % accurate. They all have failed to comply with the law and now I'm seeking assistance from the CFPB.
Complaint sub-issue: Reporting company used your report improperly

today is XX/XX/2019 i look at my equifax credit report and i have over XXXX hard inquiries that i did not do or give anybody the ok to do i tried to call equifax atleast 10 times to get this fix i even put fraud alerts on my account so i DEMAND equifax to fix this matter asap its the law for someone to run my credit with out me knowing here are the inquiries ... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX-Mt ... XXXX XXXX XXXX   XXXX XXXX XXXX ... XXXX XXXX this just a few of them its like 50 of those on my report that i did not run myself i want this matter fix asap or else i would have to file a LAW suite on equifax
Complaint sub-issue: Information belongs to someone else

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : On, XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have been a Citi Prestige Cardmember for several years and have always paid my bill on-time and paid my annual fee dues ( currently the annual fee for this card is {$550.00} XXXX. As part of this hefty annual fee, I expect to receive the full value of benefits and rewards associated with the card. 

After speaking with a friend who also has a Citi Prestige Card, I found out he received a XXXX XXXX XXXX gift offer from Citi ( with a value of about {$400.00} based on the items he was able to choose from the gift ). After hearing about this, I wanted to see if I was also eligible to receive this gift. I proceeded to reach out to Citi Customer Service via its chat functionality on the Citi website on XX/XX/2019 ( screenshot provided ). I explained that my friend had received this gift and I was curious if I would also be receiving this same gift. The chat representative said " Yes, you will be receiving a mail as well '' and proceeded to provide a XXXX XXXX XXXX email to follow up with them directly. 

After waiting weeks and weeks, I did not receive anything and followed up once again. I lodged a formal complaint with Citi that was routed to the Citi Executive Response Unit ( XXXX - Attn : XXXX, XXXX ). XXXX did not assist in resolving this matter and claimed the chat representative had simply provided inaccurate information. I said that Citi should stand by what the chat representative said and XXXX claimed they would be retraining the rep so I should rest assured. This is extremely frustrating to me because I was effectively lied to and presented inaccurate information. Citi does not want to take accountability for the actions of their own representatives who act on behalf of the company when they provide this inaccurate information. Citi should provide me with the stated XXXX XXXX XXXX gift that I was told I would be receiving.
Complaint sub-issue: Old information reappears or never goes away

XXXX Credit report XXXX. After several tries to get the XXXX XXXX XXXX XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the Equifax and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I had the chance to pull my credit report and review it because I always get alerts via email stating that I have derogatory information on my credit report. I have been a victim of identity theft and I certified that these accounts are not related to any transaction done by myself. I then reach out to the credit bureaus and they explain that because it's identity theft, I would need an FTC report with the listed fraudulent accounts. This has been affecting my credit for some time now. It wasn't until I was getting a house for my family that I noticed these accounts. Also, I am asking that this be removed within 15 days.