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

I wanted this card to help me fund a rather large purchase, about {$7000.00}. 

I came across this credit card because i was searching for cards with good intro APR and balance transfer terms.This card came up and the USBank site advertised " For a limited time, get a special 0 % introductory APR* ( view terms and conditions ) on purchases and balance transfers for 20 billing cycles. After that the APR is variable, currently 14.49 % 24.49 % ( view terms and conditions ). Plus theres no annual fee ( view terms and conditions )! '' Based on this information, i decided to apply for the card based on this information. My plan was to make the purchase with the new card or make my purchase on an existing card and then take advantage of the " special 0 % '' fee on the USBank card. So I filled out the application. 

During the application, i found out that in spite of my excellent credit score, over 750 on both XXXX and XXXX, i was given a credit balance of only {$5500.00}. This was not even enough to cover the purchase. I accepted it because 1 ) my credit was already hard pulled at this point and 2 ) there was the balance transfer offer i could use. So i decided to go the balance transfer route. 

Now that I've submitted the balance transfer, I notice a charge for {$130.00} as a transaction fee! I then called customer service and they informed me that this is an expected fee. 

I feel this is a bait and switch and that i was lied to. This was not disclosed in the initial offering link that i followed. 

I would not have applied for this card if i had known there would be a fee. 0 % APR on balance transfers for 20 months does not mean that they get to charge me a percentage on any other fees that they decide to name something else. 

I have used balance transfers in the past and the fees have ALWAYS been disclosed on the offer itself! Burrying that information in disclosures and semantics is unfair and deceptive business practice. This is unacceptable!
Complaint sub-issue: Problem during payment process

In XXXX due to the holiday my direct deposit in my bank posted later than usual. I realized this immediately and contact Citi to ask how to correct the issue. The rep told me not to worry about. That they didn't see anything reversing. I specifically asked them about fees and if they would run the charge through multiple times and once again I was told there would not be an issues. A few days later I see that the payment didn't go through as expected and I submitted a second payment. But citi ran the first payment through a second time. So the second payment decline and then it was ran through 3 times. I asked citi countless times what the issue was. How i could resolve it. How I could get the fees removed off the account for the returned check etc. I was never given any clear direction from Citi. Suddenly after what I though was clearing up the payment citi closed the card because of returned payments. This is extremely unfair to me. I caught the intital issue and contact the bank multiple times about the issue and was never given a clear answer. I asked about fees, processing and everything and it was not until the card was closed that I was given clear information. Now I have a closed card and fees on top of it that they are requesting to be pay. Had I been told when I first contact citi that they payment would be tried three time this issue would have never occurred. In my attached screenshots you will see my multiple conversation with Citi bank. As well as emails from my bank showing the payment posting just slightly before the deposit did. ( which caused the issue ) I have had this card for almost 2 year and had NO issues. Never missed a payment in fact I paid half the balance every month. To be punished for being misinformed
Complaint sub-issue: Personal information incorrect

In accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX  acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

This company is calling me, my family members, and in-laws in regards to a debt that I dont believe I have. They only use my maiden name, and Ive been married almost 20 years and have used my married name since. Ive recently had my identity stolen by ppl who opened checking accounts in my maiden name. I do not know if this group is even a legitimate company, because it sounds very much like a scam. I do not know how they have family members names and numbers, but I know I was a part of a data breach for XXXX. They may have gotten these records from my emergency contacts. My social security number was compromised in at least one data breach, because one of the banks stated that it was used when opening an account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am stating that XXXX, XXXX, XXXX, and Equifax have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, XXXX, Equifax, and XXXX are reporting should not be on my consumer report ; pursuant to XXXX5 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to XXXX through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, XXXX, XXXX, and Equifax to not only delete any and everything from my consumer report in regard to XXXX  ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX
Complaint sub-issue: Fee problem

I have tried to find a way to fix XXXX overdraft fee caused by one transaction with BB & T. But, they insisted this is not banking error. What happened is my checking account has balance of {$190.00} on XXXX. I set up a electronic debit of XXXX on XXXX. BB & T charged me a XXXX dollars overdraft fee because they mentioned my autosdraft of XXXX dollars on XXXX is in pending mode on XXXX and my balance is not enough for XXXX. Then, the pending XXXX dollars finally appeared on my account on XXXX caused another XXXX dollars. So, My XXXX dollars balance does not even have enough for XXXX of XXXX transaction. This is not fair to a general bank consumer like me because : 1. My online bank information on XXXX does not indicate I have less than XXXX with a pending transaction. 
2/ Even though the first overdraft fee is legit due to the pending status, the second overdraft fee does not make sense just because the same transaction goes from pending to posted. 

I am still very positive this is a banking error. But, BB & T does not want to admit this because they simply do n't want to hurt their reputation. Their complain resolving team even tried to convince me about this using their service agreement and it took her XXXX minutes to get the terms for the first overdraft fee. But, she ca n't even find the second overdraft fee is caused by status changed from pending to posted in their term. Here is what I see from my online banking transaction : Date Description Check # Type Amount XXXX XXXX, XXXX Posted Balance : {$91.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC BB & T XXXX CHECK DEPOSIT Credit {$200.00} XXXX XXXX, XXXX Posted Balance : - {$100.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX CARD RECURRING PYMT POS {$43.00} XXXX XXXX, XXXX Posted Balance : - {$28.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX Debit {$190.00} XXXX XXXX, XXXX XXXX XXXX, XXXX Posted Balance : {$190.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX RECURRING XXXX PAYMENT Debit {$300.00} XXXX/XXXX/XXXX PAYROLL XXXX XXXX IN XXXX XXXX XXXX ACH CREDIT Credit {$500.00}
Complaint sub-issue: Confusing or misleading advertising about the credit card

Home Depot did a bait and switch with a home improvement order we had put in and paid for with their store credit card. They failed us every step along the way. We took out the credit card as the sales rep aggressively pushed this and mentioned how it hurts them if they don't get enough sign ups. Feeling like this could affect our order and service we did proceed with the home depot credit card despite being debt free and having other options to pay for the purchase because we felt pressed to give in to the repa pleas.. The install never occurred after several issues and Home Depot continously telling my wife and I they would make sure things were fixed and completed. After being strung along for months we completed a return yet we still have this credit card they aggressively forced on us. I'm reporting g to ensure these horrible practices are discontinued so another customer isn't impacted by deceit and aggressive practices. This all occurred in XX/XX/2019 and can be verified that we never have used the card that was issued other than this one occasion. The hard inquiry had a negative effect on my and my sposues credit and had Home Depot of acted with integrity we would never have applied for a card to which hasn't been used in almost two years.
Complaint sub-issue: Information belongs to someone else

I recently checked my Equifax credit Report & noticed a fraudulent collection account posted within my consumer profile. I took the initiative to give XXXX a call about this Fraudulent collection account, I spoke to a representative named XXXX and he informed me it must be a mistake because I currently have XXXX XXXX and my current bill is up to date. In order to keep XXXX services your monthly bill must be on time to keep service. XXXX informed me to ignore the Collection company XXXXXXXX XXXX which XXXX sold my personal information which I did not give the company to furnish a fraudulent collection account. XXXX aslo informed me that my name on this collection account doesn't match my name, which clearly indicates Fraud.
Complaint sub-issue: Company closed your account

On XX/XX/2022 my mother transferred {$200.00} into my Key Bank checking account. She unfortunately listed herself as the recipient. Key Bank flagged this as suspicious activity, they did not attempt to reach out or contact me until XX/XX/2022. On this day I received a voicemail from my local Key Bank branch asking to call, but they did not identify the issue, leave their name or number to return the call. No other attempt was made to contact me. 

On XX/XX/XXXX I realized that I was locked out of my online Key Bank account. On that day at XXXX I contacted the central Key Bank number and my local branch, no one could identify what the problem was. On XX/XX/XXXX I spoke with the local branch again and they informed me that Key Bank had closed my account on XX/XX/XXXX due to fraud concerns. The account closure occurred after had contacted both parties on XX/XX/XXXX. On XX/XX/XXXX I spoke with the branch XXXX, XXXX XXXX, who was the first to inform me that the account was closed due to my mother listing herself as the recipient of the funds. She also confirmed that the local branch had only called once and not sent any emails. She then referred me to XXXX as the Key Bank XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX, she ensured me that she would be personally responsible for ensuring that a resolution was found. I provided her with bank statements from my mother and communication she had with her own bank, showing that the listing of her name as the recipient of these funds was a mistake. She estimated about XXXX weeks until she would be able to contact me again. After XXXX weeks I began calling XXXX everyday. As of XX/XX/XXXX, she has not accepted any of my calls and has not responded to any of my calls.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of having my personal information leaked in the Equifax leak announced in XXXX 2017, as verified personally on their website, https : //www.equifaxsecurity2017.com. Information leaked, according to the company, includes my Name, SSN, Address, birth date, and credit card  numbers. A leak of this scope and nature puts me at critical risk of identity theft and potential ruination of my entire personal, financial and credit status.
Complaint sub-issue: Old information reappears or never goes away

In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX  missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX  XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, XXXX and XXXX on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX  called me. We then called XXXX  XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from XXXX  on this matter.
Complaint sub-issue: Need information about your loan balance or loan terms

Attempted multiple times to call customer service. Each time waited 3+ hours, disconnected a couple time when a person answered and disconnected. I have submitted all my information for the PSFL and no response and unable to reach customer service. No updates online.
Complaint sub-issue: Personal information

Saw some unauthorized inquiries on my credit report from equifax.Contacted them but they replied and tell me to contact the creditor.I am unable to get to the creditors.I was a victim of identity theft back in XXXX 2016 and I would want equifax to look at those inquiries again as I am unable to get an answer from creditors.
Complaint sub-issue: Frequent or repeated calls

I am a certified XXXX XXXX XXXX XXXX in the state of WI. I was assigned to appraise a XXXX guaranteed loan for US Bank of XXXX, WI. The amount owed me for the appraisal is {$420.00}. The appraisal order is dated XXXX/XXXX/XXXX. This bank has received the money for the appraisal at the time the homeowner applied for this re-finance loan. The bank is aware of our net 30 days pay schedule. We call and e-mail daily and are getting nowhere. It does n't matter if this loan closed or not, that would be against XXXX. The contact at the US Bank in XXXX is XXXX XXXX, XXXXXXXXXXXX. This is regarding US XXXX # XXXX. XXXX XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

Please be advised that I see no other recourse but to file a complaint against XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued XX/XX/XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XX/XX/XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, Equifax states a XX/XX/XXXX deletion of the account, XXXX states an XX/XX/XXXX deletion date and XXXX states a XX/XX/XXXX deletion date. In essence, XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval XX/XX/XXXX. I am well within my right on such a request. XX/XX/XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

AFNI rep XXXX stated that once I made a payment over the phone with a XXXX or XXXX that AFNI would send me a letter stating that my account with XXXX  would be removed from my credit report. He stated the letter would have the AFNI company logo and letter head. This conversation took place on Wednesday, XXXX XXXX at XXXX EST. 

The AFNI website clearly states that after I pay my debt, the account will not be removed from my credit report. This can be found at the following URL https : //www.afnicollections.comXXXX He then continued to insist that I give him a credit card to " start the process ''.
Complaint sub-issue: Account status

XXXX did not have authorization to check my credit for a service I had inquired about. In fact, I specifically said to NOT check my credit after which the XXXX representative lied and said they would not check my credit. Later I see that XXXX, in fact, checked my credit and gave me a negative disposition. When I formally complained to Equifax that the credit check by XXXX was unauthorized and should be removed from my record, Equifax investigated and gave me a standard message saying basically that XXXX checked my credit. According to XXXX their calls are recorded so I know that my stating specifically to NOT check my credit is a part of the call. Equifax has a dispute option that says " unauthorized credit check '' but it does nothing if you say a credit check was unauthorized and continues reporting negative information on your file.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EquifaxCredit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Account information incorrect

I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XX/XX/XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially XXXX XXXX that doesnt help on anything.
Complaint sub-issue: Information belongs to someone else

There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX XXXX XXXX : Acct # XXXX XXXX {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX XXXX {$5400.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXX 2017
Complaint sub-issue: Problem during payment process

I paid my XXXX XXXX credit card on XXXX XXXX through XXXX  XXXX XXXX, the total amount is {$500.00}. on XXXX 's sent me a mail to say they have error on my bill and then put {$500.00} credit back to my bill. I contacted XXXX XXXX and told them I already paid the credit during XXXX, and fax them the documents from my XXXX XXXX XXXX account, all that documents showed I paid and this fund never came back to my account. they rejected my claim every time and insist to say this amount of money already returned to my bank. 
so as the fact, I paid the {$500.00} to XXXX XXXX, but they denied they received it. I would like to find out where is my money, and try to fix the problem. and I'm very disappointed at the irresponsibility of XXXX XXXX.
Complaint sub-issue: Public record

This XXXX XXXX account was paid in full via garnishment still reporting to the credit Bureau as a balnced owed.