Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get flexible payment options

I SPOKE TO MANY REPRESENTATIVES AT THIS " BANK '' AND THEY ARE VERY RUDE AND THREATENING TOWARDS ME AND MY FAMILY. I TRIED TO EXPLAIN TO THEM ABOUT MY FINANCIAL SITUATIONS NUMEROUS TIMES AND THAT I COULD N'T AFFORD THE MONTHLY PAYMENT THEY WERE ASKING. I ASKED IF I COULD THEN SEND WHAT I CAN AFFORD AND I WAS TOLD THAT I COULD NOT DO THAT AND IT WOULD NOT BE ACCEPTED. THEY THEN WOULD THREATEN TO TAKE MY PARENTS HOUSE IF I DID NOT PAY THEM THE AMOUNT OF MONEY THEY WERE ASKING FOR. AGAIN AND AGAIN I HAVE TOLD THEM THAT I CAN NOT AFFORD WHAT THEY ARE ASKING FOR AND ALSO INQUIRED ABOUT SETTING UP SOME SORT OF A PAYMENT PLAN THAT IS SUITABLE FOR MY FINANCIAL SITUATION. THEY CONTINOUSLY WILL THEN SPEAK RUDELY TO ME, SAY NO AND THAT THEY REFUSE TO CONSIDER ANY PAYMENTS THAT WERE NOT THE AMOUNT THAT THEY WERE DEMANDING, MAKE THREATS TO MY PARENTS ON THE TELEPHONE, AND WILL THREATEN TO RUIN MY CREDIT SCORE AS THEY ALREADY HAVE.
Complaint sub-issue: Company closed your account

In mid-XXXX. '18, I opened a Citi checking + savings account combo under the following guidelines in return for a {$400.00} bonus. Also note at the time of opening the account, I inquired and double-checked that only funding 1 of the accounts ( not both ) as also stated in the requirements of the offer was adequate to meet the guidelines and was again reaffirmed. 

-Within 30 days of opening your account deposit XXXX new-to-Citibank funds into the checking and/or savings account. 
-Maintain a minimum balance of XXXX in your eligible linked checking and/or savings account for 60 days. 
-Get {$400.00} deposited to your account! 

After fulfilling all of the above requirements, I expected to see the bonus deposited into my account ; I even received an email stating " You've Earned Your Citibank Award '' with the details mentioning I had earned the {$400.00} bonus. After inquiring why I hadn't received the bonus, I discovered THEY had closed my checking account ( at some point ) without my consent ( saying it had not been funded ) and also stated they would not pay-out the bonus since it no longer qualified due to THEM closing it. Again, note that nowhere in the above requirements does it state both accounts need to be funded at all. After 3 unsuccessful rounds of direct appeals/reviews with Citi and even another attempt via XXXX ( in a disguised attempt to  appear to be helpful and solve my problem only to waste my afternoon and provide the same too bad response ), I have decided to report their big bank shady practices to scam and bait-n-switch customers.
Complaint sub-issue: Reporting company used your report improperly

I sent the letter off, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681 I have the right to privacy. Also according to 15 USC 6802 NO financial institution is not supposed to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XXXX, XXXX, 2021, without my authorization, XXXX, an employee from Best Buy requested a new credit card under my name. That night, I received a notification from XXXX letting me know that a new credit card had been requested and that a HARD INQUIRY was posted on my credit report. I had no idea why he did that, when I was at the front desk of the store, I requested a copy of my receipt from a previous purchase, ( There was no reason why he would request a new credit card because I have had a credit card from BestBuy/Citibank for over 10 years. 
The next morning, I did several things, one I called the XXXX number to confirm the notification from XXXX and they said yes, there is a HARD INQUIRY for a credit card from BESTBUY/CITI BANK XXXX and they recommended to freeze my account to prevent more problems. Then I went to BestBuy and I requested to speak with the General Manager, XXXX XXXX. I told him that I was very upset because I did not request I new credit card and it put a HARD INQUIRY on my credit report. He said that employees don't get any bonuses or rewards for getting people to sign up for new credit cards. And he offered to pay for the removal of the HARD INQUIRY and to keep an eye on XXXX and to watch the recordings to see why he is doing this. Ever since, I have been calling BESTBUY and CITI BANK to resolve this problem, but they don't fallow through. I also went to the XXXX Police Department to file a complaint. I also reported this to the FTC. Unfortunately, XXXX is not doing anything either. I sent to XXXX all the document they requested but they just don't follow through either. I call the BestBuy Credit Services every time I get a letter from them to let them know that they have the wrong address and that my name needs to include my middle initial, because XXXX claims that they don't receive anything from BestBuy under my name. Today, my Neighboor just dropped off another letter from BestBuy Credit Services with the wrong address and my name without my middle initial. XXXX will not do anything if the request to remove the hard inquiry does not match exactly how my personal information is in their system. Please help me!!!
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account DPT EDXXXX Account Number : XXXX 2. Validate Account XXXX XXXX Account Number : XXXX 3. You are in violation of 15 USC 1692g medical bill or personal information should not be on my report Account Number : XXXX 4. Identity Theft XXXX  XXXX  Account Number : XXXX 5. Validate Account DPT ED/XXXX Account Number : XXXX 6. Validate Account XXXX  XXXX XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting XXXX Account # XXXX Ending # 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX The accounts do not reflect their accurate status..They aren't charge off they were paid and satisfied as agreed..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it
Complaint sub-issue: Problem with rewards from credit card

I earned XXXX points using my Citi credit card. A week after i redeemed them Citi lowered my credit limit by {$270.00} and it effectively wiped out most of the points or {$340.00}. It, Citi, will make up a bogus reason on why they lowered my credit limit, but they did this so I couldn't get credit for all my points. I have never had a credit card company lower my credit limit, when I have never missed a payment. I'm very angry they have so little ethics they would do this. They are making a lot of money off me and others and this is pure greed and cheating me, the consumer, out of the points I earned according to its rules.
Complaint sub-issue: Banking errors

On XX/XX/XXXX, I opened a silver business checking account with banker XXXX XXXX XXXX XXXX at the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. He walked me thorough the website to open the account & register for online banking, registering for the promotion for a {$300.00} bonus when {$3000.00} was deposited with 30 days of account opening & online banking activated. He confirmed I qualified for this bonus # XXXX he added to my application, and that activating my online banking with him qualified me to receive the {$300.00}. He also mentioned that depositing the new {$3000.00} in funds via ATM or lobby in person will be ok since the mobile app wasn't working for 30 days as a new account holder & a wire transfer or ACH wasn't available. After following up with XXXX-8 US Bank employees in various departments the past 2-3 months since XXXX & calling the IT desk, business services, stopping by the branch in person & emailing various departments via the website every few weeks, they verified I qualified for the bonus several times, and were just waiting for the team manager that did the review to activate the bonus. With my last interaction XX/XX/XXXX with XXXX XXXX at the same XXXX XXXX branch phone : XXXX, he mentioned I didn't qualify for the {$300.00} bonus since I didn't deposit the {$3000.00} on XX/XX/XXXX via mobile deposit. I told him I was told any means of deposit including ATM & lobby deposit would qualify me for the bonus by XXXX via phone & XXXX 's email correspondence confirming I qualified for the {$300.00}, since the mobile site wasn't working when we opened the account online together with Banker XXXX XXXX XXXX XXXX. I followed all the instructions given exactly, and was assured I would receive the {$300.00} account opening bonus by XXXX. Now 14+ hours of follow-up ( several more voicmails left for XXXX & XXXX XXXX XXXX XXXX XXXX branch ) & several months later I have still not received it. I would like to be paid and receive compensation for my 14 hours to date ( XX/XX/XXXX ) of wasted time by their stonewalling & fraud bait & switch tactics. The US Bank culture is rotten & as an XXXX XXXX myself, I see several material weaknesses & fraud risks throughout this organization. I still had access to former entity accounts form 2+ years ago & that same entity had their email on my new account opened up in XXXX. I was also accosted at their ATM & when I reported it to the tellers that day, nothing was done " we have no security today ''.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened the XXXX XXXX XXXX account in XX/XX/XXXX with the express purpose of taking advantage of the advertised XXXX months, XXXX %, balance transfer offer. They granted a credit limit of {$9000.00} and I waited for the card. The card did not arrive as promised. So I called back to say, can I have a card and use the balance transfer option, please? At that time they said they would not allow the balance transfer but would send new cards. I said ok, how long is the offer good for? They indicated you should still have time to use the balance transfer option once you receive your new cards.
This cycle repeated several times.
I finally received the card for this account on XX/XX/XXXX. I activated my account early XX/XX/XXXX.
I did the activation and noticed that the offer was n't there. I called customer service. The initial associate and a XXXX both indicated that the promotion was only good for so long and the account was opened in XXXX. They allowed me to have a XXXX % for purchases until the end of XX/XX/XXXX and no balance transfer options were available at this time. I did n't stay on the phone only to get the same answer from a third associate. I got no solution from them. I am not allowed to transfer the balance. I have an inquiry on my credit and wasted time. I do n't want the ability to purchase on credit anymore. I am working out of that phase. I think I was scammed. I could not have possibly taken advantage of the advertised offer. You need the card to do so and the entire period of the offer I was waiting for the card to arrive. I have paid off a lot of revolving and static debt. I had approximately $ XXXX in consumer non-mortgage debt at the beginning of XX/XX/XXXX and now I have approximately $ XXXX. My credit score has fluctuated between XXXX and XXXX, where I am now. I have no student loans, car notes, home improvement notes, etc. I work and live within my means. I, unfortunately, understand this strata of consumer debt peddler a bit too well. They remind me of XXXX XXXX from XXXX XXXX, a den of XXXX and villany. Seriously, why grant XXXX % until XXXX months down the line except they know you 'll hold a balance like a life sentence? I get there is a XXXX % fee to do something like this and generally understand how credit cards work, common terms and conditions, etc. I took the offer only because I thought it would further my goals of becoming debt free with the exception of the mortgage on my home. Avoid Citibank, XXXX, and anyone the rebrand into. I think this firm has lying to you and fleecing you as part of their business strategy and standard operating procedure.
Complaint sub-issue: Account information incorrect

There are inaccuracies on report thats affection my credit. According to 1681b number 2 I never instructed the agency to furnish my report or create this report and I never consented to this report in the first place.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to remove addresses that are n't mine. Remove accounts that are n't mine. Continue to add accounts to my report that are n't mine.
Complaint sub-issue: Attempted to collect wrong amount

Omni Military loan reported the same collects twice on my credit. I tried to call them but the call sent me to sunrise bank. I explained to them what happened and they told me they cant do anything about it. I asked to speak with their manager and they told me they cant give me his number only email. I emailed the manager proof and explained to him that it is the same collection and amount on both accounts. I only owe one balance of {$2000.00} not two. With XXXX and XXXX they have a complete account number. With XXXX they have reported it without the XXXX Infront of the account number. The manager told me they will not remove anything. The next morning they called me back to arrange payments. I asked them to give me the number for Omni they told me they cant give me that number. The spoke with Omni Financial themselves and they told me that Omni will not remove anything.
Complaint sub-issue: Problem with statement of dispute

I have disputed information about inquiries on my credit for months now. Equifax is saying that it is factual. I had a XXXX XXXX car loan pre-approval. I went to a few dealerships with my approval and told them that I wanted to get a car using my approval. I explained that if they could not use my approval to let me know and I would go somewhere else. They assured me that they would use the approval I had and not submit my information anywhere else. They did the opposite, without my permission. I would like the inquiries removed from my credit. There are a total of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and a host of others. I would like XXXX and Equifax to promptly remove the inquiries because if I had a preapproval of XXXX and the vehicle I wanted was only XXXX or less, why would they seek other financing. I am attaching a copy of my preapproval as proof that I already had my financing before I went to these lots, so therefore, they submitted my information to these companies without my consent.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX  years old. In XXXX my grandmother was battle XXXX XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her XXXX in XXXX.In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX years old. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX. XXXX was convicted on 180 counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me.In XXXX the Mortgage was purchased by XXXX  XXXX without investigating the origination. In XXXX  the home went into foreclosure. XXXX XXXX tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records; XXXX XXXX determined the mortgage was valid; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XX/XX/XXXX.I have attached supporting documents as well.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX, after I reviewed my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all of the inaccurate addresses that did not belong to me, unfortunately, after 35 days I reviewed my updated Credit Report and I noticed that they updated the address but they did not remove the erroneous information on XXXX and EQUIFAX, so I am now taking the extra step, because I really need these addresses to off of my Credit Report.
Complaint sub-issue: Problem getting your free annual credit report

I am unable to retrieve my Equifax credit report. I even went so far as to sign up for their highest product tier, which is {$19.00}, was charged for it, and still am unable to access the account or my credit report/profile. I have called dozens of times, written to them, as well as faxed. They don't respond to my letters or faxes, and on the call, the agent just resets my password and tells me to wait 30 minutes and try again - same result. I am now being billed for a product I can not use. Now, my credit cards are being closed because they can not access my Equifax credit profile, and am unable to apply for any new credit because of this. I even had the agent change my email and password to no avail. Sometimes, when I try to sign in, it says an account doesn't exist and to sign up. When I enter in my information to sign up, it says an account already exists and to sign in.
Complaint sub-issue: Information belongs to someone else

I am in the US military and a XXXX XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XX/XX/XXXX we purchased a used XXXX XXXX XXXX motorhome. Purchase price {$170000.00}. We financed {$61000.00} with US Bank. On XX/XX/XXXX we paid off the remaining finance amount of {$56000.00}. When we applied for the loan in XXXX of XXXX, the dealer ( XXXX  XXXX in XXXX, NY XXXX had the wrong vin number on the paperwork. We can not get the title from US Bank. They are saying they don't have the title. I spoke with the Pennsylvania department of transportation. They confirmed they sent the title to US Bank. I have spoken with US Bank numerous times since XXXX, explaining about the wrong vin number. They apparently won't even look for the title with the correct vin. XXXX will not give me a new title without a lien release. I don't have a lien release with correct vin number, only one showing wrong vin. Have attempted to talk to supervisors at US Bank several times and only get voice mail with no return calls. The agents I spoke with at US Bank say they can not call the " company '' that retains the titles. They can only send email requests for the title. They only receive refusals to their requests for the title. I am at my wits end. We have a fully paid off expensive motorhome, but can not get a title. Please help! Thank you, Attaching copy of loan document, Bank statement showing payoff, and lien release we received with wrong vin number.
Complaint sub-issue: Their investigation did not fix an error on your report

I purchased three tv mounts, washer and dryer and king size bed with mattress at Conns XXXX  in XX/XX/2021. I made my first payment of XXXX dollars in XX/XX/2021. I received phone calls stating that my account was late even though I paid before time and more then the minimum balance. I was then informed that I had two separate accounts and the balance only went to one account. I asked why did I have two accounts when I purchase all these items at the same time. They did not have answer and stated that they could merge the two accounts together when I bought the other account current however, this never occurred along with multiple phones calls and asking for this request. I begin to pay in large amounts in order to pay off the accounts. XX/XX/XXXX I paid XXXX dollars. I have asked for documentation of my payment history and yet have received. I noticed when paying large amounts of money my balance was not decreasing. I called and asked if they had applied interest to my purchase. I was informed that a interest rate was applied. I signed a contract that started that I had 12 months interest free. I looked up the interest rate which was 29.99 % that the company did not inform me of. The company refuses to take off the interest. I have tried on several occasions to reconcile the situation.
Complaint sub-issue: Public record information inaccurate

As of today 's date XX/XX/2020, I just paid directly to Equifax to obtain a copy of my credit report. they informed me that they removed the inquiries in question but in the current report I just obtained they are all still listed. Also, I faxed a letter over to them at a number Equifax supplied to remove a 10 year Chapter XXXX bankruptcy from my credit report to which I have a letter from their sister company XXXX XXXX stating they have removed the bankruptcy from their ( XXXX XXXX ) database. I have attached all the supporting documents.