Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2022 I ordered a special order kitchen from XXXX XXXX. I called CitiBank XXXX XXXX XXXX for a credit increase to cover the kitchen. Kitchen price {$29000.00} so available credit was XXXX. 

XX/XX/2022 I received a bill. I was surprised because I am being made to pay when I will not get a kitchen install un til at least XXXX but I made the payment of {$290.00} on XXXX. The promotion was to be pay balance within 24 months to get differed interest and it was not. The premotion was incorrect at 6 months. 
XXXX XXXX XXXX Citibank agreed that it was input wrong and said it would be correct next bill. 

XX/XX/2022 I received my next bill. To my surprise CitiBank charged me for a whole other kitchen. Same dates of charge but 2 kitchens. The original purchase with my payment deducted AND a whole other charge of {$29000.00}. This other charge is for 24 month promotion. This has inflated my payment from {$290.00} to {$580.00} and have overdrawn my account to {$58000.00} I caled CitiBank and talk to XXXX and XXXX who try to tell me it is XXXX XXXX fault and they need to fix it. I call XXXX XXXX at XXXX XXXX manager for XXXX XXXX XXXX. XXXX XXXX didnt do it. 

On XXXX I finally get CitiBank to admit it was their fault and it would get fixed. 
On XXXX I make my payment for the kitchen I purchased, {$290.00} - I did not pay the {$580.00} because I did not order 2 kitchens and I still dont even have 1. Citibank was to remove the charges they put on my account and should have corrected the over minimum. 
If you didnt order the item you should not have to pay for it. 

I received my next statement There was a late payment of {$29.00} and a past due amount for {$290.00}. Both of these charges are on something I didnt order that CitiBank billed me for fraudulently. 

I have called every 3 days since. I have been told it will be taken care of. I have been told I will get a call back. 
I have been hung up on. 
I have been called for " collection of a debit '' and told I will be sent to collections. 
Citibank did manage to remove the {$29.00} fee BUT Im sure it will be back next statement. 

XXXX I made my payment of {$280.00}. 
I called XXXX at XXXX Citibank and was told, citibank will not remove this and that i just need to pay it and that this WILL affect my credit rating if i dont. 

I have a call into XXXX Installs to cancel the kitchen. I still dont have a kitchen and have been paying. CitiBank has made this whole process a nightmare.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought tickets to travel to XXXX through XXXX XXXX. Due to a change in the plan I had to cancel the trip. I cancelled the tickets ( purchased for 3 passengers ) in time as per their cancellation policy. Cost of tickets XXXX. Bought on XXXX XX/XX/XXXX. XXXX XXXX confirmed the cancellation and mentioned that there will be a penalty of XXXX USD per ticket resulting in a refund of XXXX. A cancellation number was provided. 

Date of Cancellation : XX/XX/XXXX Cancellation Confirmation Number - XXXX Ticket Number : XXXX Since then I have been contacting XXXX XXXX for refund which never came through. No response. Their ecommerce division is solely responsible for all refunds. No representation in USA, no offices no phone lines to take calls or answer my questions about refund. They all point to one email -> XXXX. They never responded. Recently after a long follow up ecommerce team responded with this email. 

================================================================== XXXX  XXXX  XXXX, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me, XXXX, XXXX, XXXX Dear Sir We appreciate your patience but seriouly we did our bit instantly long back it is only between the acquring bank and your issuer bank who are delaying this transfer of funds to your acoount. 

Let them respond and action, we will come back to you. 

thanks regards XXXX XXXX On XX/XX/XXXX, at XXXX PM, XXXX XXXX XXXX wrote : Dear Sir, Reference your mail for credit we have taken, up the matter with our acquing bank. Since you had raised a dispute for refund as per process we have accepted the chargeback on XX/XX/XXXX for the amount of USD XXXX. When a dispute is being raised then facility to refund that transaction gets blocked on the system, henceforth we had accepted the amount. 
Now we have taken up the matter with concerned bank, request you to again contact your credit card issuer bank for current status for refund. 

We will get back once we receive a feedback from them on most urgent basis. 

thanks regards XXXX ================================================================ I had no other option but to dispute the transaction assuming Citibank will mediate this problem. Unfortunately they gave a credit of XXXX USD temporarily and put the charge back on my card saying XXXX XXXX already refunded the money. 

But till date as you can see from the emails I never got the refund. 

I also have the documentation where during dispute Citibank is provided a letter by XXXX XXXX stating that the refunds are issued and on the way. 

Today ( XXXX of XX/XX/XXXX XXXX it is 115 Days since the tickets were cancelled.
Complaint sub-issue: Received bad information about your loan

In XXXX and XX/XX/XXXX I submitted the information for the PSLF program. One day I submitted my work with the XXXX of Nebraska. The next day I submitted my work from XXXX and XXXX XXXX. The payments made during my time at XXXX and XXXX XXXX has not been reflective on my PSLF payments. I have been a full time employee for non-Profit and State employment for XXXX years. I want to know when Fed Loan will process my time with XXXX  and XXXX XXXX as the new waivers from President Biden waives if the loans were in the wrong payment plan. I was previously with XXXX who had verifed employment yearly while I was making payments from XXXX to when I consoldated in XXXX. It is extermely difficult to get answers from Fed Loan thru the phone and I do not get responses from emails. I need assistance on getting an adaquate count of my payments as I should be completed with all payments at the end of XXXX of this year.
Complaint sub-issue: Information is not mine

I recently received in the U.S. Mail a copy of my credit file from Equifax dated XXXX XXXX, 2015. Under their " Previous Addresses '' listed section it listed that I once or currently live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; Reported XX/XX/2015. '' In reality, I do n't live there, nor have I ever visited the State of XXXX nor do I know of anyone who lives in the State of XXXX. I currently work fulltime for the State of XXXX and have done so for the last 27 consecutive years. When I called Equifax recently to ask them to " remove '' that false Identity Theft State of XXXX address, they refused to do so!
Complaint sub-issue: Reporting company used your report improperly

Most recent correspondence received from LexisNexis dated XX/XX/2022 stating unable to authenticate. I have mailed 4 separate certified letters containing my driver 's license, social security number, proof of address and identity theft report. LexisNexis returns an " unable to authenticate '' letter each time. They have not and will not initiate the dispute I have requested.
Complaint sub-issue: Problem using a debit or ATM card

My problem is linking my PNC account to XXXX.
Complaint sub-issue: Information belongs to someone else

no creditor : remove it Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$40000.00} XXXX XXXX {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX Loan Amount {$0.00} {$100.00} Payment Info remove : XXXX XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment XXXX XXXX XXXX  {$19000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment remove the late payment : XXXX XXXX XXXX XXXX {$9600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Paid Off : 29 % XXXX 2 late payments {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving account XXXX {$9600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX XXXXXXXX XXXX, a couple store credit cards and an old XXXX bill that was sent to collections that I disputed directly with the company.
Complaint sub-issue: Information belongs to someone else

This Complaint is being submitted through the CFPB to inform Equifax that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy... Please delete these XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Nelnet erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is a hard inquiry that I did n't authorize from XXXX 2017 completed by XXXX.
Complaint sub-issue: Personal information incorrect

I have never lived at the address reported on my Equifax report XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Shocking that Equifax FINALLY cleaned up the mess they made on my report. However they have one issue they need to correct. 

The XXXX with XXXX XXXX XXXX XXXX has been paid off. Acct # XXXX. Please correct it to a {$0.00} balance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I received an alert that my credit report from Equifax had been pulled by XXXX XXXX. Since my cell phone service is with them, I thought they were just doing a random check. Then i realized that the account is not under my name and they would not have my social security number. I then called XXXX on XX/XX/XXXX and spoke with customer service. They explained that they did not see an account with my Social Security number. I explained about the credit pull and asked to speak with the fraud dept. I was transferred and spoke with someone in the Fraud Dept. When they looked up my information, they stated that they see that an inquiry was pulled and that the realized that the account being opened was fraudulent and that no account was opened. I asked about the credit pull and they stated that a request had already been sent to Equifax to have it removed. 

I then went to the Equifax website and put in a dispute for the credit inquiry under the the reason that I did not authorize the report.. Their confirmation states that it could take up to 30 days for the dispute process. I received a response back within 48 hours stating that they would NOT remove the inquiry as it was a true reflection of a request on my credit. On XX/XX/XXXX I then put in another request to have it removed under the reason of this is a fraudulent inquiry. I again received a response back within 48 hours with the same response that they would NOT remove the inquiry as it was a true reflection of a request on my credit. I then called Equifax and was told the same thing that it was a true reflection of a request on my credit. I can now see that Equifax allows you to put in a dispute for fraudulent activity but denies the claim everytime. They also stated that they have not received and request from XXXX to remove the inquiry. 

I then called XXXX and requested to speak with the fraud dept once again. I was again told that the request had been submitted to Equifax to have the inquiry removed. 

It is now XX/XX/XXXX and the inquiry is still on my credit.
Complaint sub-issue: Reporting company used your report improperly

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false, inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting. 
agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOWS : XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX xxxxxx XXXX XXXX Owner INDIVIDUAL Account Type Installment 15 months TRANSFER_OR_SOLDbalance {$0.00} High Credit {$11000.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX CONSUMER DISPUTES REINVESTIGATION IN PROGRESS xxxxxxx XXXX CHARGE_OFF Individual Installment 56 months Balance {$7300.00} Date Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX CHARGED OFF ACCOUNT I do not own either one of these accounts with XXXX. Same account number different loan type and amount. Same dates? I know a woman by the name XXXX whom had a personal vendetta with myself was indeed fired over this particular situation however this bank is still reporting on my credit derogatory two different times still monthly and I have disputed it redundantly and I have contacted the bank personally. They refuse to do the right thing. 
Thank You XXXX XXXX
Complaint sub-issue: Funds not received from closed account

I am having a problem with my cash app. They closed my account but still accepted my direct deposit from my job and I can't get the remaining XXXX that is just sitting there. My cash app is linked to my email which is XXXX my phone number is XXXX my name is XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have been addressing Equifax of a breach since before the Data Breach. Chief Judge XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia is overseeing these lawsuits. These lawsuits are known as In re : Equifax Inc. Customer Data Security Breach Litigation, Case No. 1:17-md-2800-TWT. 

Was finalized. 

Because I have personally been effected by it. Which can be proven through the link provided https : //www.equifaxbreachsettlement.com/ Now, there is a settlement pending for compensation HOWEVER EQUIFAX continues to Report Misinformation, as I have submitted MANY direct disputes with EQUIFAX TO THE CDPB PERSONALLY regarding this matter.
Complaint sub-issue: Personal information incorrect

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Former : XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX MI XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX, & XXXX. XXXX XXXX does not have my consent to have and share my private personal information. 

Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and date of XXXX delinquency as XX/XX/XXXX. How can the open date be after the date of delinquency. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a XXXX XXXX XXXX select credit card from Citi when I was purchasing an airline ticket. The offer said if you apply online right now and get the card they will reduce the price of each ticket by {$100.00} immediately and give me 40000 miles after i purchased {$3000.00} on the card in three month The tickets cost me {$740.00} and I was to get a {$200.00} refund. I was immediately approved and charged the full amount. I was told I would get a {$200.00} credit on my bill. I never got the credit. I called on XX/XX/XXXX and was told I was turned down for the offer because I had previously had this card which I had canceled. but my card was approved and they charged it the full amount. They said I had to wait 24 months before I could reapply for this offer. I asked why they didn't tell me this up front because I would not have opened the card. They said well you'll get a lot of other great offers - none of which I want. They should have just declined me the card and not charged the tickets or at least given me the option to continue on and use the card without the promotion, which I would not have done. When I called they basically said sorry and I have since cancelled the card
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
Complaint sub-issue: Debt was result of identity theft

My information was used to purchased goods and service from XXXXXXXX XXXX without my notice and authorization. I was never aware of the account till collected sending me statement collecting the amount they said I owed to them. I never open such an account, and I didn't authorized anyone to open the account. I have not benefited from the service and up to date I didn't know who opened and benefit using my identity.
Complaint sub-issue: Was not notified of investigation status or results

Equifax was hacked, and investigated the incident for several months without notifying consumers. They are now using this large identity theft incident to market their fraud alert program.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated last XX/XX/2022, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Several years ago we were going to claim bankruptcy. We decided not to do so. It still shows we filed bankruptcy. 

Thank You, XXXX & XXXX XXXX