Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2020 Consumer Protection Bureau This is a complaint against Citibank Credit Card. I called on XX/XX/2020 at XXXX XXXX. and was transferred to XXXX # XXXX. The phone number was XXXX. He stated the call was recorded. This is my issue. 
Four years ago we missed a payment to Citibank. One month later I was contacted by phone for the {$130.00} that was due. They stated there would be a penalty of about {$10.00}. I paid this balance over the phone in full at that time. Citibank had a wrong email address for us and said then they corrected it, after they talked with us. I have no issue with this. 
We recently applied for a mortgage and this late payment, that was filed by Citibank, damaged my credit score. This is the only late payment I had made in over seven years with Citibank and was an oversight, partially, because we were opening a Cit Bank and there was some confusion on bill paying. I then applied for a good will adjustment from Citibank in XXXX of 2020. The response was, legally we cant change this at the credit bureaus, if youre late, youre late, and there would be no adjustment. They did not address my good will adjustment request. 
When I called on XXXX XXXX, 2020 I asked Mr. XXXX # XXXX, if I had been treated fairly in the good will adjustment policy? I asked, was there a policy? He stated, we have no good will adjustment policy. I then asked, do you ever make a good will adjustment on any account? He said, yes, we do make good will adjustment account, but its on a case by case basis, depending on the reason and the review. I asked, what is a qualifying reason? He stated, it depends, it based the size of your account. We make adjustments and look at the reason depending on how valuable the account is. 
I understand that Citibank is a business and youre going to be treated better if the bank makes more money on your account. You may receive concierge services, but to legally damage people based only on the amount of money they make for Citibank is a gross discrimination. Everyone should have a fair shot at a good will adjustment and should not be based only on how much money Citibank makes. 
I would ask you consider demanding that Citibanks good will policy be formalized and not be allowed to be used in a discriminatory fashion, based solely on the size of the account. 
When I called I said that, before I filed a complaint with the Consumer Protection Bureau, this was a Good Faith Effort to resolve this complaint.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Account Name : 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 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

A few weeks ago, I called Citibank to complain that I was mistakenly enrolled in paperless statements, which caused me to be late twice making payments on the card. I asked that they refund the late fees they charged, due to my long and perfect credit history with Citibank. Citibank said they fixed the paperless statement issue, although I have yet to see a paper statement from them, but they refused to refund my late fees. I told them I planned to write a complaint letter. A few days later, I received a letter from Citibank saying that the credit limit on both of my Ciribank cards was decreased. They said I owe debts, which is true of most Americans. I have an impeccable history paying Citibank and any other debts I owe. I have no late payments showing on my credit files.

I am very upset that my credit file was checked and my credit limits decreased on my Citibank credit cards for no reason other than I asked to receive printed statements rather than paperless and asked that my late charges be refunded. My credit limits were decreased thousands of dollars for no reason. I have had one of the Citibank credit cards for over a decade, in my maiden name, XXXX XXXX XXXX, with thousands in credit limits available to me, which I never abused. Please look into this matter for me and find out why Citibank punishes their longstanding customers when they complain. Thank you.
Complaint sub-issue: Problem during payment process

I have been trying to set up my automatic monthly payment from my checking account to pay more than the minimum payment due with my Discover card. 
I have been trying on their website, and by telephone. It will only pay the minimum. If I try to modify the payment amount I get a " this page is unavailable '' webpage. I have not tried paying by mail yet. My most recent attempts by phone and on the website were on XX/XX/2020. The lady at the website could not alter the payment amount either. I will file this complaint, and perhaps also try a different web browser. I usually only use XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I had an account with XXXX XXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Inquiries on my credit reports with XXXX, XXXX and Equifax : XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I keep a close eye on my credit report for which it contains value to me and my credit worthiness . Allied Interstate submitte d a collection account to my credit report recently in the amount of {$310.00}. This is an illegal collection and also, I was not contaced at all or notified of such debt. I did not sign any contract with this company. Also, it seems as though the original creditor i s   XXXX   XXXX  . I ow e nothing to anyone. The company tha t Allied bought m y information from is inaccurate.  XXXX   XXXX  had a roof leak which caused water damage to my unit. I had to move my things out before my apartment was ready and also go through all my items to see what other damage was done. I also filed a claim with the insurance and received reimbursement from the. So, there is no way I am liable for anything. This is inaccurate at I owe no such debt.   XXXX   XXXX   better be glad a lawsuit was not filed against them for the damage and the  manager knew  it was damage to the roof leak before I moved in and failed to report it. Also the mold that spreaded throughout my unit is a type of mold my daughter is very asthmatic too. Which I also informed the  manager. I will be  soeaking to an attorney to pursue this matter if this is not removed Immediately.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

The XXXX department sent the money to the program, USReliaCard, and the USReliaCard program from Florida has my money since XX/XX/2020. Total amount {$6800.00} but the card is blocked by https : //www.usbank.com/business-banking/business-services/business-prepaid-cards/government-disbursements.html USbank ReliaCard Cardholder Services XXXX. XXXX  XXXX XXXX, Florida United States Phone : XXXX, The ReliaCard is issued by U.S. Bank National Association pursuant to a license from XXXX XXXX XXXX. or XXXX XXXX XXXX. Mastercard is a registered trademark and the circle 's design is a trademark of XXXX XXXX XXXX. 
The 1st card I would not activate so I had to wait for a second card. It usually takes 5-7 business days for the card to arrive. I was told that I needed to fax in a copy of my drivers license, my bills, and provided my full SSN number, and it would take 24 hours to be activated. I faxed these documents several times and I have not been availed to have access to my funds. My family and I are homeless, with one of my children who are XXXX, I have back bills and this company usbank-reliacard know this and they don't care. I have already filed several complaints with many managers and they don't care and even one of them named XXXX was laughing at my situation. Please do something about it.
Complaint sub-issue: Information belongs to someone else

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Complaint sub-issue: Reporting company used your report improperly

I gave permission once on XX/XX/XXXX to run my credit the company ran it again on XX/XX/XXXX without my permission I want it removed from my credit report. All because I called to correct last name on my card that is not a reason to run a credit check
Complaint sub-issue: Problem with customer service

Subject : Verification of Employer for Public Service Loan Forgiveness ref Acct # XXXX XXXX XXXX I have continuously called and spoke with their loan thats been administered by Fed Loan Serving. At this point, I have been faithfully serving the state of Texas for nearly 20 years and taking care of my student loans and Public Service Loan Forgiveness ( PSLF ) applications. I have submitted several student loan forgiveness applications only to be told that its under review and its been under review for more than six months. Also, when analyzing my profile there are some payments as well as some of my state service that is not listed correctly. I submitted a request to get the account analyzed again and was told that someone would call me back. However, no one is phoning me back I have called into the customer service department a tremendous number of times! I have emailed and I have escalated the email correspondence and I am getting the runaround. I having the student loans on my credit is hindering my ability to apply for loans and I feel like I have satisfy the terms and conditions just as many others have mentioned and I am not being treated fairly and just by FedLoan Servicing they are basically ignoring my request.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX has suppressed my credit report for the third year. I've asked for it to be unsuppressed last year around XXXX of last year they told me I had to send in documentation with a copy of my drivers license copy of a form letter from Social Security. I did that. I also sent them a copy of a name, change XXXX XXXX change it was valid for 90 days is no longer valid. I'm waiting for the update from the XXXX XXXX XXXX, XXXX XXXX, who are two years behind I sent copies of my passport yet and still there's still some pressing my file after sitting them the proper documentation last year they turned around and suppressed my file and that allowed me to do with. Meanwhile, I'm getting denial credit. They're violating the fair reporting act, and here it is again they suppress my file without any rationale or statutes of law why they do it they do what they want. This is ridiculous. They don't follow the law they break the law consistently I've been a victim of identity fraud. They still have things on my ad on my report that do not belong to me. They remove it, then suppress my file and then put the incorrect or fraud debt back on the there
Complaint sub-issue: Information belongs to someone else

I've tried to correct this issue with Equifax several times there's an account that does not belong to me reporting on my credit file. The account was opened under a different social security number and the creditor has verified this information with me I have a letter from the creditor stating that this account doesn't belong to me yet Equifax is still reporting XXXX XXXX and XXXX. I want a re-investigation because the account wasn't opened under my social security. Equifax mixed my credit file with someone elses and gave them my address but the account wasn't open under any address that belonged to me or my social but now Equifax has provided them with my address.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/XXXX, my ReliaCard was stolen at approximately XXXX, while I was asleep. Upon awakening, I immediately called ReliaCard and reported my card stolen. I then immediately called the police and filed a report ( which Ive submitted to ReliaCard twice now. Detective Sergeant XXXX was assigned to my case. Ive sent ReliaCard his name, phone, fax, email, and work address. This detective has the videotape of this thief stealing {$1000.00} off my ReliaCard at the ATM at XXXX XXXX XXXX nearby. 5 unauthorized withdrawals timed at one per minute, for 5 minutes straight, each for {$200.00} ( plus fees ), for a total of {$1000.00}, at which time the card shut her off. 
I pressed criminal charges, The thief is currently in jail, charged with Felony Theft and Receiving Stolen Property. Its been over 2 months and Ive received NOTHING from ReliaCard- not a provisional credit, not an approved dispute ( Ive been denied twice because based on our investigation, we have concluded no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. Ive sent a 6-page letter, all documents theyve requested, a police report, all the detailed information I possibly could, and Ive followed through with everything I possibly could legally ( this thief is on her way to prison ), and I cant get my money back from ReliaCard- despite their own policy, despite banking regulations, despite my spending over {$30.00} in faxing expenses. This is RIDICULOUS. 
And if youre wondering how the thief got my pin - the ReliaCard was new, I had just started using it a few days before, and I had it written down in my wallet. This was my mistake, my part in the situation, but Im sure things like that happen all the time and consumers are still credited their stolen money back. Correct? 
I want {$1000.00} credited back IMMEDIATELY, plus the {$30.00} I spent on fax machines.
Complaint sub-issue: Account status incorrect

I had one of the XXXX diesel vehicles that was bought back in XXXX of 2017. The account still reflects being open on my credit report when it should obviously be a closed account. The balance reflects XXXX  which means it was updated appropriately, but the account there is no reason for the account to still be open.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

My XXXX  credit is Excellent but the Equifax report is Fair. There is over 60 point difference. I tried to get onto Equifax to check my report and couldn't. They took my credit card and charge me 3 times. When I called them they said they only charged once. I had to cancel my XXXX credit card and get a new number. Still can not get on the site. Tried to file a complaint. They asked me questions about my file to enter a complaint but all the information was incorrect and I had to choose none of the above. It said this was incorrect and to call but calling does no good. This place is a scam. Thanks
Complaint sub-issue: Information belongs to someone else

This is my SEVERAL COMPLAINT that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2009 ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00}.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is reporting a fraud account on my credit in the amount of {$1600.00}. This is not my account and is the result of identity theft. This is a violation of the Fair Credit Reporting Act and needs to be removed from my credit immediately. This is also a medical bill and a violation of HIPPA. This needs to be removed immediately before I take legal action.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I summited a dispute on XXXX for 2 accounts. XXXX and XXXX bank. A response was sent back as accurate. I then sent another letter on XXXX asking for a method of verification. According to the FCRA, the credit reporting agency is required to give a method of verification within 15 days upon request. Never received it. I'm asking that both items be deleted. They are clearly in violation of the law.
Complaint sub-issue: Debt was paid

Enhanced Recovery Company , LLC, Doing Business AS, ERC at XXXX XXXX XXXX, XXXX, FL XXXX notified me of a bill from XXXX XXXX XXXX - Account number # XXXX on XX/XX/2018. At the time, the balance was {$520.00} with no interest charges, or fees/penalties. If not paid, the summary would reflect " No payment arrangements on file ''. If paid, the summary would reflect " Paid as agreed '' per our phone conversation and written notice. I paid the account in full ( I have provided the letter as an attachment ) stating, they received the payment of {$520.00} and on the date XX/XX/2018 they required- and goes further to state the above referenced account is " Paid in full ''. The person of reference in the letter is XXXX XXXX XXXX ERC. However, they reported to Experian credit report that the payment was late, which has damaged my XXXX XXXX. I want them to remove this erroneous information from my credit report by supplying a letter to them, indicating this bill was " paid in full- as agreed '' immediately, as what they reported is erroneous and have violated my consumer rights under the Fair Credit Reporting rules. I have disputed this information twice with XXXX and they have failed to try to get accuracy or remove despite my communication and proof of documentation,
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased goods from The XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$970.00} on XX/XX/2021. Not all of the goods were delivered. The merchant is nonresponsive, the company is in bad standing with the Kentucky Secretary of State, and XXXX reports that the business is permanently closed. Accordingly, I assume there is no valid and collectible warranty on the portion of the goods I did receive, and I am requesting a chargeback of the entire amount of {$970.00}. Citi has refused to process the chargeback and displays an error when I try to initiate one. Please see attached information.
Complaint sub-issue: Problem making or receiving payments

I called the usbank at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX at home and asked the customer service Dept at usbank how could I make a Cash advance from my pay roll credit card called Wisely credit card of XXXX to my usbank checking account Online but she for this service you would have to go into the local usbank so I went to usbank on XXXX XXXX in XXXX XXXX Ohio XXXX grocery store and inside of XXXX XXXX store is a usbank. And the XXXX  Teller told me when I went up to the counter and had requested a Cash advance and XXXX money orders and withdrawal for XXXX and a cash adavance of XXXX my Wisely credit card on to my usbank checking account but the girl teller claims that the computer shut down and I would have to wait an hour before the computer shut back on and when they did come back on she gave me my money orders and she claimed that you Cash advance was completed and when I got home I checked my Bank account to see if the XXXX was in my usbank checking account but it was not there so I called Wisely credit card and asked the Lady where is my XXXX that usbank just did a Cash advance for and she said we sent that money to zaragara market place in XXXX Ohio and she said I bet you that XXXX is sitting up in XXXX XXXX place in XXXX Ohio so I contacted usbank to file a dispute but they refused to let me file a dispute for XXXX that I did not authorize to go to XXXX XXXX place in XXXX Ohio XXXX And after I found out that they did not want to credit me for all the money they had taken out of my usbank checking account because of the XXXX had made my account withdrawal or insufficient funds and they did not want to credit me back because it was not my mistake it was there and every since I started getting direct deposit check into usbank checking account they withdrawal XXXX XXXX times just before I get my check every week and I have some recurring payments that I did not authorize and since they found out i had contacted the office of comptroller of the currency in Texas they had the recurring accounts changed earased and just took my money. Every week I get charged {$36.00} XXXX times from the bank.