Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

Hi, I 'm a Citibank customer. They offered saving promotion which you deposit Requirement : {$25000.00} minimum and then you would get {$700.00} Savings Bonus after 3 months. 
So I applied for the promotion online around in mid-XX/XX/XXXX. 

Then after around 2 months, I called Citibank and asked about the reward. The customer support told me that it is not 3 months yet and told me to call back later and gave me the promotion code. Promotion code : XXXX. Then around 4~5 months time, I called in again and asked why I have n't received the money. Then the customer support told me because many people applied for the reward Citibank has to gather the money and distribute all the money at once and asked me to wait. 

Then in XX/XX/XXXX, I called in again and asked why I still have n't got the reward. This time Citibank told me I do not qualify for the promotion so I that is why I have n't got the money. I told them why I 'm not qualified, I kept {$25000.00} in the saving account. They told me I did n't deposit the money during that promotion time and was deposit before. Then I asked them, then why did n't you tell me the first time I called the customer support. This is the 3rd time I call and you are telling me I do not qualify after all these months. Why did n't tell me the first time? They blamed on the previous customer support and I was furious. 

This is really bad business practice and a dishonest bank.
Complaint sub-issue: Information belongs to someone else

I have attempted to have numerous discrepancies corrected through the credit reporting agencies and recently decided to go directly to the creditor. After years of going back with XXXX XXXX XXXX, they finally found the proof needed to document the account as fraud. In XXXX XXXX sent notice to all three reporting agencies asking the account be removed from my credit file, and Equifax, unfortunately, still has this account on my report.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft. There are accounts on my credit report that I did not authorize nor do I recognize. They are listed below - XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XX/XX/2019 - XXXX  - XXXX  XXXX XXXX XXXX - XXXX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX Balance : {$1400.00} Opened Date XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

XXXX/XXXX XXXX ACCT NO XXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY XXXX AND EQUIFAX CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF XXXX XXXX ( AQUIRED BY XXXX XXXX ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM XXXX/XXXX. 
XXXX ... ../SPOC AT XXXX XXXX  ,XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT XXXX.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please make sure every report on this credit profile Is 100 % accurate. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have made several attempts with XXXX, Equifax, and XXXX  to have Identity theft accounts that are on my credit report fraudulently. i have filed a police report i have contacted creditors in order to get this rectified with no action.
Complaint sub-issue: Need information about your loan balance or loan terms

Nelnet took over my student loans. Now it is not showing past payment history.
Complaint sub-issue: Card was charged for something you did not purchase with the card

There were accounts trying to be opened in my name for US Bank, XXXX  XXXX XXXX and XXXX XXXX. It looks like some of the mail may be fraud.
Complaint sub-issue: Old information reappears or never goes away

I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX  and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXXt, AES, XXXX XXXX and now XXXX trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
Complaint sub-issue: Debt is not mine

I 've sent numerous certified letters to the collection agency and the creditor directly to remove this frivolous account from my records. The collection agency kept requesting for me to provide more information. I am unable to provide anymore info on that account. A fraud affidavit was submitted to the collection agency multiple times. The have n't corrected the issue
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Formerly 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 also states a consumer agency can not furnish an account without my written instructions,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received notice that a hard inquiry hit my credit report. This was unauthorized. XXXX representative provided me with the following info : on XXXXXXXX XXXX, a hard inquiry was placed on my report by Citibank ( CBNA ) and provided me a phone number for Citibank. I called the number an they were unable to give me any information based on me giving them my SSN.
Complaint sub-issue: Information belongs to someone else

Discover is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more
Complaint sub-issue: Confusing or misleading advertising about the credit card

US Bank sent out a very deceptive promotional credit card offer that on its surface sounds enticing, but which if they had marketed it honestly almost nobody would even consider acting upon. The promotion is clearly worded in bad faith to mislead consumers. 

On XX/XX/2022 I opened a letter letting me know that I could " Earn up to 20 % more cash back on purchases this spring! '' in large letters for my US Bank CASH+ credit card ( well known as a 5 % cash back card ). 
Below this was another informational box that also says " For a limited time, earn up to 20 % more cash back on purchases when you use your CASH+ ... '' Below this is a smaller box that mentions " Earn up to 20 % more cash back ( up to {$20.00} ) on purchases after you spend {$2800.00}. * '' with the footnote asterisk. 

The footnote asterisk explains that what you ACTUALLY get is that after FIRST spending {$2800.00} ( in under 2 months ), spending after that will be awarded a bonus 0.2 % cash back per dollar spent up to {$20.00}. 

This is completely ridiculous on so many levels. This is a 5 % cash back card in selected categories, and while I understand that the base cash back is technically 1 %, marketing " 20 % more cash back! '' to mean 0.2 % more cash back on a 5 % cash back card is already deceptive. Furthermore, huge letters indicating 20 % more cash back, and tiny letters at the bottom saying " first spend {$2800.00} and then {$500.00} more for your {$20.00} cash back '' is clearly deceptive. And even further, doing that math, {$2800.00} + {$500.00} spent for {$20.00} of bonus cash back is not even close to 20 % more cash back on that whole spending volume, and no combination of spending could achieve the upper bound on the " up to 20 % '' promise. 

This promotion is clearly offered in bad faith hoping that people who don't bother to read past the huge " Earn up to 20 % more cash back this spring! '' spend large amounts of money on their credit card thinking they're going to get a huge discount on their purchases in the form of cash back, only to discover that if they didn't spend over {$2800.00} in two months they get nothing, and even if they DID, all they can get is a max of {$20.00}.

Frankly ridiculous, I've never seen US Bank put out a deceptive promotion like this and I'm frankly appalled at how disingenuous it is.
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION ( S ) THAT I HAVE MADE ITS IS RESULT OF IDENTITY THEFT I'VE CONTACTED EQUIFAX RECENTLY ABOUT THIS MATTER I SENT IN THE FRIST REPORT FTC REPORT NUMBER XXXX ( WWW.IDENTITYTHEFT.GOV ) EQUIFAX SENT ME A LETTER STATING THAT THE FTC REPORT WAS UNVERIFIABLE SO I CALLED FTC WHICH TOLD ME THAT THAT WAS NOT TRUE SO IM RESEND MY FTC REPORT, IVE BEEN BATTLING WITH IDENTITY THEFT FOR ABOUT 2 YEARS I RECENTLY SPOKE TO A EQUIFAX FRAUD REP THEY TOLD ME THAT MY FILE MIGHT HAVE BEEN A MIX FILE, THE REP TOLD ME HE'LL FIX IT BUT STILL NO CHANGES AND IT BEEN 7 MONTHS, UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681 est seq funishers MUST INVESTIGATE DISPUTES RECEIVED FROM CREDIT REPORTING AGENCIES, IM REQUESTING A 605B BLOCK OF information resulting from IDENTITY THEFT 15 USC 1681C-2 AND 15 USC 1681S-2 ( b ) NO LATER THEN 4 BUSINESS DAYS
Complaint sub-issue: Information belongs to someone else

IN REGARDS TO : EQUIFAX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX. THERE HAS BEEN A ON GOING PROBLEM IM HAVING WITH EQUIFAX NOT SENDING ME MY RESULTS AS I HAVE REQUESTED VIA USPS MAIL INSTEAD OF SENDING THEM THRU THERE ON LINE SYSTEM IN WHICH HAS ME BLOCKED OUT AND DOES NOT WORK SINCE THE DATA BREACH OCCURED. I HAVE SENT COUNTLESS DISPUTES AND EVEN MADE A SEVERAL PHONE CALLS WITH REPSENTATIVES TO REMOVE AN ADDRESS FROM MY CREDIT REPORT THAT IS FRAUDLENT AND IS NOT MINES. I AM A VICTIM OF IDENTITY THEFT AND THEY DO NOT DO PROPER INVESTIGATIONS EITHER.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I opened 2 accounts at Citibank. I funded the accounts with checks from a different bank. The next day Citibank initiated ACH transfers from that different bank without my authorization or access information ( account numbers ). They withdrew funds from my other bank without my authorization.
Complaint sub-issue: Information belongs to someone else

XXXX has still not been deleted from my reports.
Complaint sub-issue: Problem with customer service

Please refer my previous CFPB complaint XXXX regarding Costco Citi Visa card. 
Tonight I called Citi once again at arond XXXX XXXX  central time. Spoke to customer service that I had requested my XX/XX/XXXX statements online on XX/XX/XXXXand they are yet not available. Can you help me? 

She forwarded me to online support. 
At around XXXX XXXX  to XXXX XXXX I talked to XXXX about the same. I told that I have a Citi warranty issue and i need those statements. Citi Warranty has opened a case for me-as that is part of the extended warranty of my refrigerator. My refrigerator freezer is not working since last Saturday. They want those XX/XX/XXXX statements. 
XXXX was very aggressive and not wiling to listen anything. She denied the very fact that i have ever requested those statements on XX/XX/XXXX. As my previous request was not completed in 48 hours ... I need to put another request - but that doesn't mean that the previous request ( XX/XX/XXXX ) was not even there. 

She said that she has made a note of this issue and can't help me. I need to wait 72 hours to get my statement. 
When i said that this is not acceptable and when Citi told me that Customers has to wait for 72 hours if they are accessing their statements which are more than 12 months old? She was not willing to answer. She was not willing to give me any confirmation number or reference number. 

Look at the website : Statements will be ready 48-72 hours after your request, and they're available for 30 days after that. Once you request 12 statements, you won't be able to request more until some of your statements become available. 

Essentially Citi is making the rules and bending it whatever way they want? 
Who is Citi to tell me how many times i can access my credit card statements or not? Has citi told all this to customers ( not in some fine prints or some Card member agreement or some FYI )??? It looks like some tyrant is running Citi and simply doesn't care about the customer or law of the land.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3800.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Will not stop sending me emails.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XXXX   XXXX ,  2017 ,  XXXX  requested a copy of my Credit Report without my permission. I wrote a certified letter to  XXXX  but they did not reply. I disputed the request with EQUIFAX but no changes made to my Credit Report.
Complaint sub-issue: Account information incorrect

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Problem with personal statement of dispute

I asked Equifax to investigate some items on my credit report on XX/XX/XXXX. Trough usps tracking, my mail was received on XX/XX/XXXX. 
In the letter i was asking them to send me back the results of the investigation to my address. 
i attached to this letter a copy of my report, circled the items, my SSN, copy of my ID & a utility bill. 
Around XX/XX/XXXX, I received a letter asking for more documentations to identify myself ( even though they already had it in my first letter ) i sent back a second letter on XX/XX/XXXX with my paystub and my Social security card ( be mindful they already had my ID & an utility bill!! ) today XX/XX/XXXX they asked me again for the same documents!!! 

They clearly do not want to investigate and are engaging in delay tactics in flagrant violation with the FCRA!!! 

I will not send them back any more identifications since clearly they can not be trusted to manage informations. 
I not only want all those items to be removed from my account but i do think they need to be severely punished for their actions as they are known to do exactly that!!! 

Per the Fair Credit Reporting act those agencies have XXXX  days to investigate & send me the results of this investigation. If they don't, the items i asked them to verify must be removed. 

Also per the FCRA, i could be entitled to financial compensation. 
I started to ask about those items after verifying the informations myself and noticing discrepancies. Those might have or will cost me potentially thousands of dollars in interests over the time i pay back loans or credit card.
Complaint sub-issue: Problem getting your free annual credit report

From Prior complaint that closed before satisfactory resolution # XXXX, MY ORIGINAL COMPLAINT STATED On 2 occasions starting in XX/XX/XXXX via Sagestream Website and in XX/XX/XXXX, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In between the time of XX/XX/XXXX-XX/XX/XXXX I have left numerous voice messages in regards to the matter but still no confirmation. I SUBMITTED PROPER COPIES OF MY PHOTO ID AS WELL AS MY SS CARD. So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN The company response was not accurate, which they stated : In his complaint ( CFPB Complaint # XXXX ), Mr. XXXX stated that he has contacted SageStream , LLC ( SageStream ) multiple times to place a security freeze on his SageStream consumer file, but SageStream has not responded. We address his concerns as follows : SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors. According to our records, SageStream received an online request from Mr. XXXX for a security freeze to be placed on his consumer file ; however, the identity verification documents that Mr. XXXX included with his request were not legible. SageStream mailed a letter to Mr. XXXX on XX/XX/XXXX informing him of what he would need to send for his request to be processed. If Mr. XXXX has questions, he may call the SageStream Consumer Office toll-free at ( XXXX ) XXXX, Monday Friday XXXX XXXX  to XXXX XXXX ( Pacific Time ) or visit our website, www.SageStreamllc.com for information. 

Sage stream address the online process. They did did not address the certified mail request that included proper identification such as copy of my Driver 's License and SS Card. they signed for the certified mailing # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. If included the letter of request and well as the proper copies of identification. In my letter of request I submitted. It stated that a copy of ID included a driver 's license and SS Card stapled together with the request. So therefore if if got separated from original letter it was done by the company they need to research there mail receiving procedure find my mail-in request and honor the contents I submitted along with the identification which was all I was required to do. I will submitted the proof from the US Postal Service that the physical letter of request I am speaking of did reach there offices and signed by them as being received.

Sagestream failed to address this in the previous response my mail in request to the previous complaint. Sage stream just did not want to honor my request by mail, Thier continued failure to do so will lead me to escalate the matter to a proper venue that I can easily prove and win my claim if I wish to do so
Complaint sub-issue: Received bad information about your loan

One student loan was transferred to AES/PHEAA in XXXX, in the amount of {$33000.00} ( see attached ). Over the years AES reporting became inaccurate and loan was duplicated within the AES account. I have tried repeatedly to have the duplicated loan removed. My latest efforts began again in XXXX, XXXX. ( see attached ). I was initially assured the duplicate would be removed within 10 days. This has not happened. I contacted two PHEAA Executives, AES customer service, the AES Omnbudsman, and the Federal Ombudsman with no success. In a more egregious foul-up AES/PHEAA just QUADRUPLED the amount allegedly owed and reported same to the credit reporting agencies ( see attache ) so the amount owed now shows as $ XXXX plus. I want the account audited, the duplicate amounts removed, and credit for any incorrect interest charged, and for any payments made.