Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged too much interest

I had one cash advance 15 years ago ( so long ago that they can not tell how much it was for. ) Since, they have applied ALL of my purchases in 15 years toward the higher interest rate ( as a cash advance at 25.99 % rather than the purchase interest at 18.99 %. ) I contend that Discover Card has overcharged me for interest for 15 years.

I have tried on multiple occasions to resolve this with the company. I have watched every purchase since be placed under the 'cash advance ' higher rate.

They can not help, and their description of how they are conducting their process seem deceptive at best.
Complaint sub-issue: Trouble with how payments are being handled

After reviewing my free annual credit report in late XXXX, I noticed Nelnet had been reporting to the credit bureaus that I had 16 missed payments with them. Confused, I called to speak with a representative about this error who informed me that because I have 4 separate loans with Nelnet, when I missed 4 payments during the summer of XXXX, ( XXXX, XXXX, XXXX and XXXX ) it is reporting as 16 late payments. 

I expressed to the representative that this reporting of 16 missed payments is a bit misleading as I only make one monthly payment to Nelnet that is then disbursed between my 4 loans. The reporting of " 16 missed payments '' is not a fair and accurate representation of my payment history with the lender. She advised me to send a " goodwill letter '' to the " higher ups '' since they are the individuals who have to power to approve those types of changes being reported to the credit bureaus. 

On XX/XX/XXXX I sent a goodwill letter via email to Nelnet 's six Executive Leadership team members. To this day, I have not gotten a reply about why this situation could not be worked out. 

I followed up in XXXX with the credit bureaus and was informed by all three that any changes made to the payment history has to be initiated by the lender in their monthly report.
Complaint sub-issue: Information belongs to someone else

All three credit bureaus continue to report fraudulent information on my credit report. they are in violation of the FCRA.
Complaint sub-issue: Information belongs to someone else

Complaint- XXXX  , XXXX and Equifax- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( XXXX and this year. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from XXXX, XXXX or Equifax that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX- Equifax XXXX  XXXX XXXX - $ XXXXEquifax XXXX XXXX XXXX $ XXXX EquifaX 2.  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 3 . University of XXXX - $ XXXX XXXX  XXXX XXXX XXXX XXXX - $ XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXX   If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!
Complaint sub-issue: Investigation took more than 30 days

I have sent repeated letters to XXXX/Rise XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my XXXX Credit Report. I have sent two letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. 


XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX, I have a new job that I recently started I had a chance to see my credit report and seen unrecognized addresses on my credit file. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Talked to a third party about my debt

You already know that I was in jail from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and your institution has my discharge papers from jail. Att reported a debt of {$850.00} to AFNI collection agency after I talked to them on the month of XXXX about what happened to me, I told them that I 'm gon na start making payments beginning XXXX XXXX they said it was ok but when I checked my XXXX report today XXXX/XXXX/XXXX I saw that they reported to the collection agency, i told them that I need time that I 'm looking for a job and I 'm even receiving mental treatment because of the situation I lived and the problem was with my baby 's mother. I contact ATT several times but they keep saying that I need to pay this immediately that they do n't have to follow the note of my explanation to them back on XXXX of this year and they transfer me to the collection agency. My Att phone number was XXXX I do n't have the account number right now but I think with the phone number you can get into my account and my social security # is XXXX. Please contact AFNI collection agency and explain them the situation and tell them to remove this from my credit report as the credit law command and also contact att regardless of this situation. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

This collection account is reporting on my credit profile with XXXX, XXXX  & Equifax. I have never apply for or seek credit from this agency. I have an identify alert on my credit profile and was never contacted by this agency. Also all my contact information. Please provide my signature and my account number used to seek credit. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$350.00} Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit 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 accounts that are reporting on my Credit Reports : XXXX XXXX {$600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX {$8300.00}
Complaint sub-issue: Can't use card to make purchases

My complaint is with lack of transaction record traceability and possible data breach with CIticard. 

On XX/XX/2019 at XXXX XXXX  Eastern, I made three transactions with XXXX on the XXXX website for a total of approximately {$5600.00} using my Citi credit card. I received a total of 8 standard alerts from Citi - 3 email and 5 text - confirming that these three transactions were made and that my card was not present. Standard stuff. When the merchant did not acknowledge payment within about an hour, I went to my Citi online account and saw the 3 transactions in " pending ''. I waited all day for confirmation from Citi and/or the merchant, and finally received an email from XXXX at XXXX XXXX  Eastern time on XX/XX/XXXX stating that XXXX not yet been paid. They said that I need to pay them within the next few hours or else my reservation will be cancelled. I immediately called the merchant ( XXXX ), and they said that my credit card company declined the transactions ( they should not have declined them since I have over {$21000.00} in available credit ). I then went back to my on-line credit card account, and discovered that the 3 " pending '' transactions had disappeared. So, I then called Citi, and spoke with 4 reps : a customer service agent, a fraud agent, a second customer service agent, and then finally a fraud supervisor, XXXX, in Citi 's Florida center. 

The first three agents were no help at all. Not only could they not explain why the transactions were declined, but they also could not even find any record that I had even attempted them. I tried to explain to the reps that I was a little gun-shy with Citi after my previous Citicard number had been compromised in the XXXX XXXX data breach last year, but they were unable to trace any of the 3 transaction on my account or see any of the 8 alerts. When I explained that I had 8 email/text alerts from them, and that I had previously seen the transactions on their website, they totally dismissed me. Very poor customer service. 

XXXX was much more helpful. She still could not see any record of the 3 transactions, but she at least acknowledged the alerts. She said that she will investigate and call me back within 24-48 hours. In the meantime, I have had to lock my card in case Citi is experiencing another breach. 

So far, I've wasted more than an hour on this incident, I've lost the use of my credit card, and I might lose my vacation rental reservation. 

How can Citi simply lose all record of my transactions and their email and text communications to me?????

I need Citi to fix this situation.
Complaint sub-issue: Reporting company used your report improperly

15 u.s.c 1681 section 602 A. States I have 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: Didn't receive notice of right to dispute

XXXX XXXX / XXXX / {$3400.00} XXXX XXXX XXXX / XXXX / {$610.00} XXXX XXXX XXXX/ XXXX / {$840.00} XXXX XXXX XXXX / XXXX / {$15000.00} XXXX XXXX XXXX XXXX {$940.00XXXX XXXX XXXX XXXX  / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  Original creditor : XXXX / XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / {$610.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022, I opened a new checking account with Citibank because of a promotion incentive they offered for having a specific balance for a certain amount of time and you will receive a cash bonus. When I transferred funds from my husbands checking account ( in which we both are on the account ) into my new Citibank account with the amount of {$59000.00} they froze my account. I happened to find this out because after 2 weeks passed, I never received my debit card in the mail. I called Citi and first they hung up the phone on me. I call back and finally, someone didn't hang up on me and decided to try and help me out. When asked to send me a new debit card, they mentioned it was going to the wrong address? Then over 25 minutes after trying to figure out how they had the wrong address, the gentlemen says he cant submit for a new card because the account has been blocked. He then transfers me to the fraud department. They hang up. I call back, and they tell me nothing and that I will receive a letter in the mail explaining why they have blocked my account. In the meantime, I have been unable to use my account, transfer funds, access funds, still no debit card and of course no letter. Not sure what else can be done? I have money that needs to be accessed for family xmas and Citibank does not accept customer service concerns nor do they provide reasoning of these actions? If they could provide me with guidance as to what they need in order to unblock my account that would be great. Or, just unblock my account so that I can access MY OWN MONEY!
Complaint sub-issue: Banking errors

I received a promotional email from Citi Bank outlining a savings account opening promotion wherein if I opened a Citi XXXX Savings account, deposited {$10000.00} of new-to-Citi funds into the account, and left the funds in the account for 60 consecutive calendar days, I would receive XXXX American AAdvantage Miles 90 calendar days following that 60-day eligibility date. 

The exact terms of the offer from the email are : " The following Terms and Conditions apply to the bonus offer associated with new account opening of the Citi XXXX XXXX  package. If you are an Eligible Customer and complete Required Activities which include opening a Citi XXXX XXXX Savings account in the Citi XXXX XXXX package as first signer, deposit New-to-Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn up to XXXX AAdvantage bonus miles. '' I deposited {$10000.00} of new-to-Citi funds ( from my XXXX XXXX XXXXXXXX account ) into the account on XX/XX/2021. The funds were in the account until I withdrew a majority of the funds on XX/XX/2021 ( XXXX calendar days after deposit ). My eligibility date for the bonus was XX/XX/2021. Therefore, I met the requirements as outlined in the offer and am entitled to the advertised AAdvantage miles. They should have been credited to my account by XX/XX/2021 ( 90 days after my eligibility date ), but I have received 0 miles!

I have since contacted Citi Bank on 11 occasions to try to resolve this issue and they have continued to lie to me and tell me that they will credit the miles. Yet, I still have not received any miles. I was promised a call-back with an update on multiple occasions as well, and yet, I never received a call-back.

I have also filed tickets with the bank to attempt to get this resolved. The most recent update on the ticket is that the investigator determined I was not eligible for the bonus because funds were not left in the account for the required amount of time. On XX/XX/XXXX, on the XXXX try to get this resolved, a manager informed me that they believed the Investigator had mishandled the case. They agreed that the funds were in the account for the required period of time and they agreed I should have received the miles. Unfortunately, they said no one in customer service is able to make that determination officially and they can not credit the account to resolve the issue.

That manager opened a new case yet again, but I am frustrated that it's been several months and several hours of wasted time trying to get this resolved. As of today, I still have not received the miles I was promised in the promotional email though I met the eligibility requirements.

Citi Bank Reference # s : Reference # ( old number from previous case ) : XXXX New Reference # ( as of XX/XX/2021 XXXX : XXXX
Complaint sub-issue: Charged too much interest

Citibank credit card account was paid in full and then they still charged monthly interest.
Complaint sub-issue: Information belongs to someone else

My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX   XXXX {$3300.00} XXXX  XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX  XXXX XXXX {$210.00} XXXX   XXXX {$390.00} XXXX XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX  XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} XXXX  XXXX {$320.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$610.00}
Complaint sub-issue: Information belongs to someone else

I'm a victim of identity theft I don't know how this person got a hold of my personal information but this is driving me crazy it's hurting me physically and mental also financially I would like this situation to be resolved thank you.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On or about XX/XX/XXXX I sent by certified mail to CSC Credit service Company about an alleged debt that they say I owed to CSC Credit service Company I have yet to get a response from them I informed them that my HIPPA, and my rights to Privacy had been violated under ( 5 U.S.C. 552a ) as well as 18 U.S. Code 894 Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participated in anyway, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or to attempt to collect any extension of credit, or ( 2 ) punish any person for the non repayment thereof SHALL be fined under this title or imprisoned not more than 20years, or both. 

They have reported this debt on my credit report and has caused me to not to get a house along with my insurance premiums going up. They have and are using EXTORTIONATE MEANS by damaging my name and credibility. And now their silence in this manner is Unacceptable. 

Ive asked for them to provide the following items Provide a copy of my signature with the provider to release my medical information to CSC Proved proof with a verified certificate of authority, and proof their company is licensed to collect debt in my state of Texas. Along with a license number and registered agent or agent of service. 

And lastly an affidavit signed under Penalty of Perjury that their organization has not violated any portion of the FCRA, FDCPA, HIPPA.
Complaint sub-issue: Information is not mine

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXXhere are the accounts that are fraudulent Account 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
Complaint sub-issue: Used obscene, profane, or other abusive language

Ok I received a bill from .. XXXXXXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX reference # XXXX Guarantor Educational credit management Corp .... well the problem is I do not know this people I never did business with them I dont owe the not aware of this bill ... first of all I never had a account from XXXX XXXX  XXXX like it  stated..second they called me and when I said I dont no what they are talking about they got XXXX he cursed me . Because I would not acknowledge this bill cause its not mind ... can you help please I dont want them to contact me ever .... XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, In XXXX .... help me please
Complaint sub-issue: Information belongs to someone else

I have contacted the XXXX bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this XXXX XXXX XXXX  regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.
Complaint sub-issue: Information is not mine

XXXX XXXX is reporting a collection account from XXXX on My XXXX, Equifax, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.
Complaint sub-issue: Information belongs to someone else

Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is Equifax. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to Equifax and they still have failed to properly investigate and remove these accounts : XXXX XXXX Bank ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX  XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I tried to finance a car through XXXX  I told them I only wanted my credit ran to one bank but they ran it through serveral other banks. 
It was ran through XXXX XXXX XXXX XXXX two times on XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/XXXX I was involved in a car accident. I was driving my XXXX XXXX it was totaled. The insurance card I provided the police had XXXX vehicles on it. The XXXX XXXX and a XXXX XXXX. I knew after having the accident the insurance on the remaining vehicle ( XXXX XXXX ) will probably go up. So I started looking for new quotes for the XXXX on XX/XX/XXXX. I was told my XXXX XXXX and XXXX that they could not insure my vehicle because it is being reported by Lexisnexis as salvaged. I called my current insurance carrier and they said they did not report anything on the second vehicle. I have been calling & emailing Lexisnexis EVERYDAY to dispute this error. Each time I call they claim that they are doing a system update, therefore they can not access my reports. Im the consumer and you cant give me my report but you can give incorrect information to businesses that inquire about me. Now my finance company is asking me what is the status of the XXXX. When I called Lexisnexis again today this representative finally told the truth that there is an error with my file which is preventing them from access. So. They see there is an error but no one is going to fix it. Please help before I get cancelled by my insurance and my finance company reports this vehicle as a write off!!! I already emailed Lexisnexis a copy of the ticket that proves the XXXX XXXX XXXX was the vehicle involved