Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for an XXXX XXXX AAdvantage credit card with Citi at the beginning of the year. I was approved for the card in XXXX and was charged an annual fee of {$450.00}. One of the benefits advertised for the card was access to XXXX XXXX admiral lounges in participating airports. As a result of the Covid-19 pandemic, this benefit has not been offered. 
Citi has not offered any compensation for the loss of this benefit. 
Before paying my annual fee I called Citi who mentioned that they are unable to make any compensation for the annual fee that was due and paid for in XXXX. 
I heard from a colleague this month who also has this card that he called Citi and they refunded his annual fee. I called Citi again on XX/XX/2020 to ask if I could have my fee removed and my card cancelled and they mentioned that the policy they came up with was to remove fees if the card was cancelled within 37 days of paying the fee. This policy was not communicated in any way shape or form. In fact, when I previously called ( well within this time frame ) I was told that there was nothing that could be done for me and the only compensation that would be provided would come if I paid an additional annual fee next year. 
This seems like a clear UDAAP violation, they are treating customers unfairly based upon when they happen to call and cancel their card ( without communicating the policy anywhere ). This is also a deceptive practice as I am not receiving the benefit that I paid for. 
I would like to have my fee removed or reduced THIS year as I have paid for a product / service that I am not receiving.
Complaint sub-issue: Threatened or suggested your credit would be damaged

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. I XXXX XXXX the consumer never gave the debt collector Discover consent to contact XXXX XXXX about my alleged debt. Violation ( 1 ) At any usual time or place or a time place known or which should be known to be inconvenient to the consumer. Discover emailed XXXX XXXX regarding the alleged debt of XXXX XXXX at times that were inconvenient. Violation 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Discover on this alleged debt.

Documents attached Exhibit A The Discover Symbol. This is a violation of 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ) Exhibit B Threating with a law firm ( 15USC1692i ) Exhibit C - 15 U.S. Code 1692b ( 2 ) This is an alleged
debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation Exhibit D violation 15USC 1692b ( 2 ) Not my debt Exhibit E violation 15 US Code 1692 C ( a ) Contacting XXXX XXXX about my alleged debt without permission.
Complaint sub-issue: Collected or attempted to collect exempt funds

I first contacted the company, Rodenburg Law Firm, on XX/XX/2022, after being receiving a garnishment notice from XXXX on behalf of my employer. I immediately emailed Rodenburg Law Firm a signed and filled out exemption form from the State of Minnesota the same day, XX/XX/XXXX. I called Robenburg Law Firm the same day to confirm their receipt of the email that included the exemption form and they confirmed they received it and will forward it for review. At the time, I was presented with two options. One option was to wait for them to work with the county to confirm the exemption and the second option was to send in proof myself. This was in regards to me proving that I received rent assistance from XXXX Balance Program ( case ID XXXX ), which would make me exempt from my funds being garnished. I went with the first option, as I just sent the same exemption form to Rodenburg back in XX/XX/2022 when they initially tried to garnish my funds. Back in XXXX Rodenburg sent a release to ADP to stop the garnishment with no issue, so I figured the same would apply in XXXX. 

However, this was not the case, as I contacted Rodenburg on XX/XX/2022, for an update on the release. I was then advised that XXXX XXXX XXXX XXXX in Minnesota in which I received rent assistance in ) said I was no associated with the case ID ( XXXX ). Again, I had received a release using this same case number back in XXXX. I was then told to send in any proof that I received assistance to Rodenburg directly. I sent in all the documentation I could find on XX/XX/2022. I was not the main applicant, but I am on the lease and I am listed as a household member on the application for assistance ( meaning my info was used in the decision making process ). This included the application ( showed the address, case number, and applicant 's name ), the section that showed household members ( my name was listed along with my children and the main applicant ), a copy of the lease ( showing my name and the main applicant 's name ), and an email confirmation showing we were approved for assistance. 

I followed up with Rodenburg today, XX/XX/2022 and they still refused to acknowledge my exemption. If I'm on the lease and on the application, how am I not a recipient of relief based need? My information was used in the decision making process on if we qualified for assistance. Also, I am everybit as liable for the lease as the primary applicant, meaning if we were evicted it would go on my record. So any payments for that lease are also for me directly. 

On XX/XX/2022, over {$470.00} was garnished from my check after I already told them I was exempt. I am currently the only working adult in my household and this is causing a great hardship, especially during holiday season.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought 2 paintings from them XXXX  on XX/XX/20 After I received them, I decided I didn't like them and would like a refund, I contacted their support to start the process. 

I received shipping information, I paid for the international shipping back. 

After a month, the packages returned back to me, and XXXX  stated that XXXX refused my package because they didn't " order '' it. 

I contacted them about it and received no response. 

I initiated a dispute with my credit card company, Citi, and they trusted XXXX when they claimed there was custom form problems, which means they could have helped corrected but chose to do nothing and waste my efforts and money. 

Citi won't reopen or let me talk to anyone about the dispute and it's just " closed ''
Complaint sub-issue: Problem with balance transfer

DISCOVER CARD BALANCE TRANSFER WAS OFFERED I ACCEPTED IT NOT NOTICING AT TH E TIME SOME FINE PRINT A FEW DAYS LATER AS WELL AS OTHER DETAILS. SO I CALLED IN AND INFORM THEM THIS OFFER IS NOT IN MY BEST INTEREST. THEY TOLD ME THE PROCESS HAS ALREADY STARTED. I ASKED WHAT DO I HAVE TO DO. THEY SAID YOU HAVE TO RETURN THE MONEY BACK IN FULL. OF COURSE YOU KNOW IT IS A PROCESS FOR THEM TO SEND THE MONEY TO ANOTHER BANK AND ITS A PROCESS FOR ANOTHER BANK TO SEND THE MONEY BACK TO THEM. WELL DISCOVER CARD STARTED THE PROCESS ON  XXXX   XXXX     2017  THE MONEY WAS PAID IN FULL BACK TO THEM  XXXX   XXXX   2017 . YET THEY REFUSED TO REFUND ME THE {$400.00} FEE THEY CHARGE ME FOR THE BALANCE TRANSFER AGREEMENT WHICH I DO N'T HAVE NOR WANT. I WAS TOLD TO CALL TH E OTHER BANK AND ASK THEM FOR THE {$400.00} WHICH IS STUPID BECAUSE DISCOVER CARD BILLED ME {$400.00} NOT THE OTHER BANK IF ANYTHING THE OTHER BANK PAID EVERYTHING IN FULL ( SO DISCOVER CARD OWES ME ). THEIR REPRESENTATIVE KEPT REPEATING THE SAME THING OVER AND OVER AGAIN WHAT HER SUPERVISOR AND THE BALANCE TRANSFER DEPT TOLD HER TO SAY. FINALLY I TOLD THEM I WILL BE REPORTING THIS INJUSTICE AND GREED BECAUSE I WILL NOT BE TAKEN ADVANTAGE OF. I WAS ASKED TO RETURN THE MONEY AND I DID JUST THAT. YET YOU STILL BILLING ME FOR AN OFFER I DONT HAVE. I NEED HELP!!! THIS IS NOT RIGHT. THE ACCOUNT MANAGER SAID THEIR IS NOTHING SHE CAN DO. I ASKED HER TO NOTE MY COMPLAINT AND THAT I WILL BE FILING COMPLAINTS AS WELL AS INFORMING THE MEDIA, THE BBB, THE INSPECTOR GENERALS OFFICE, AND THE FEDERAL TRADE COMMISSION IF I AM NOT REFUNDED ... .. PLEASE   HELP ME BEFORE THIS GETS UGLY BECAUSE I WILL TAKE THEM TO COURT ... .. THANK YOU
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was denied the best insurance rate by XXXX which relied on a report from LexisNexis. I contacted LexisNexis and requested a copy of my consumer report and referenced the inquiry from XXXX as the reason for my inquiry. After some time, LexisNexis wrote me informing me they could not authenticate my identity which is strange given they did so to XXXX. Thereafter, I completed another request for my file online. This time LexisNexis sent me an email asking to click on a link in order to verify my email address ... .however the link they sent does not work and returns a message that an error occured ... .once again quite strange. 
Clearly, LexisNexis is making it difficult, if not impossible, for me to access my file by claiming they can not authenticate me and then sending a broken link. It is very unfortunate and illegal for them to behave in this manner. 
Simply, send me a copy of my file as per the law and stop placing undue burdens in the path of the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the tair credit Reporting act XXXX Account ending # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account status

XXXX XXXX XXXX is reporting an old, paid off, mortgage as currently delinquent to my Equifax report. It was paid in full in XXXX of 2013, but is showing 120 days late at this point. I feel XXXX did this as retaliation for my dispute. I filed one complaint under their name, but need this fixed with my Equifax as I 'm currently in the process of applying for a new mortgage. XXXX is also reporting it as still open as well as the original loan amount at {$580000.00} when it was actually {$58000.00}
Complaint sub-issue: Card opened as result of identity theft or fraud

MACYS/DSNB REVOLVING ACCOUNT # XXXX OPEN DATE XX/XX/2012 IS FRAUDULENT AND NOT MINE. I HAVE CONTACTED THE CREDIT BUREAU TO HAVE THIS FRAUDULENT ACCOUNT BLOCKED AND REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is fraud please remove it off my account at once as well as XXXX XXXX credit inquiry. I also have made police aware this has been an ongoing problem.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

( 1 ) I made this statement ( XX/XX/XXXX ) on XXXX under my wife 's account : " Credit/debit card fraud alert. My credit/debit cards information was stolen 3 times in a row. Do NOT flash your credit/debit card numbers inside XXXX store XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX ) and near XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). Better tape your credit/debit card numbers and the security code ( you can still use the built-in chip ). I suspect there are hidden video cameras recording customers. '' ( 2 ) The following charges were made in XXXX ( XXXX XXXX XXXX XXXX grocery store ) on XX/XX/XXXX, when my Citi Bank credit card got compromised : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} ( 3 ) I had immediately disputed the charges when I saw them in my statement with Citi Bank, however, on XX/XX/XXXX, all 4 disputed charges were denied on the following basis : " We have completed our investigation and found you are responsible for the above referenced transaction. Your account will be rebilled based on the following : The merchant provided documentation confirming this is a valid charge. 
We have enclosed a copy for your records. We now consider this investigation closed. '' ( 4 ) This is unfair play on behalf of CitiBank knowing their unsafe business practices and current financial problems ( XXXX XXXX XXXX ) : " Citibank has been in trouble with regulators, and was fined {$400.00} XXXX by the Federal Reserve and the Office of the Comptroller of the Currency in XXXX. The fine was for unsafe and unsound banking practices, which included sending around {$900.00} XXXX to the wrong recipients.XXXX  XXXX, XXXX '' ( 4 ) I've never been in XXXX, nor have I ever been part of any credit card scam ( or any scam whatsoever ), I've been a loyal customer of CitiBank for many years, payed my bills on time, and have a higher than average credit card score ( all this information is easily obtained ). I have never been to XXXX ; I reside in XXXX XXXX, XXXX I have never made the above purchases or contacted anyone who might have made them in XXXX. 

( 5 ) In addition to the above, below I show that my debit card from another bank was broken into ( twice ) around the same time. 

( 6 ) My debit card ( with another bank ) was broken into ( and, then, again was broken into with a new re-issued card ). I can obtain and show proof from that bank if needed. This was the time I'd started a discussion on XXXX ( under my wife 's account ) on debit/credit card fraud in the area : XXXX XXXX  XXXX? XXXX & XXXX & XXXX & XXXX % XXXX At this point I would love to see how CitiBank can prove their case.
Complaint sub-issue: Problem accessing account

I had a personal checking account with " PNC bank NA '' ( web site http XXXX XXXX  ) for 14 years. It has always been in good standing. On XX/XX/XXXX I noticed suddenly I was not able XXXX  access my account on line. ( It has always been working for me without issue ). I immediately went XXXX  the local branch XXXX  find out what was going on. The representative at the branch was helpful but she does not know what's going on either other that the current status of the account is " closed ''. Later she found out from the note a cashier check is being mailed XXXX  me. I was in shock. 

How come in a sudden my account is closed?! It was in good standing with a balance! 

I called the back office with the reference number she gave me XXXX  the back office rep. told me my account was closed XXXX  " PNC does not want XXXX  share the reason with me " XXXX  that was final. 

On top of the huge disruption XXXX  my business, I also feel being violented. My human right is violented by the PNC bank. 

I am looking for my human right protection from CFPB. XXXX  proper compensation for my loss from the PNC bank.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Im sorry based on your update with the required notice of dispute this information should have been updated 30 days after XXXX XXXX dispute in which they failed to do so this can not report on the consumers credit report and I do ask that you remove it immediately based on you entering the heart notice a dispute clearly shows between XX/XX/XXXX of XX/XX/XXXX that dispute was disputed prior to those dates so therefore you can not enter enter that. FCRA 622 and FDCPA 806B. This is a violation and must be removed. The Notification that I receive clearly shows that you just enter that on thXXXX XXXXXXXX XXXX XXXX for XX/XX/2023 and thats not acceptable Im gon na need you or XXXX  XXXX to remove this account immediately and both of you guys have been notified and I think you! 

XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2021 XXXX XXXX requested a credit Score from XXXX, which they provided. Due to this score ( XXXX ), XXXX XXXX  rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still XXXX  add them to the reason of the low score. 
The Actual score when logging in the XXXX  website is XXXX. XXXX Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day.

If I had known the actual score that XXXX  was going to report, I would made a different choice that was not going to affect my credit score.
Complaint sub-issue: Problem with fees

***Citicard*** Received statement in XX/XX/XXXX with a bal of {$160.00}. Called and spoke with a rep because on XX/XX/XXXX I called to request a pay off and was assisted by a rep to  make a pay off payment over the phone. On XX/XX/XXXX a rep confirmed that balance would be XXXX out ... great. Received a XXXX statement with a credit of {$52.00} with a remaining bal of {$110.00}. Called credit card co. on XX/XX/XXXX and assured balance would be XXXX out in 3- business days. Called back on XX/XX/XXXX, ( credit card due date ) and automation system indicates, " this is an attempt to collect a debt ''. Spoke with rep and once again assured {$0.00} bal. in 3-5 business days. On both XXXX & XXXX, cardit card bal continues to accrue interest. How is that possible? Credit card payment has never been late and paid off {$11000.00} to clear credit card debt.
Complaint sub-issue: Reporting company used your report improperly

With the Equifax breach I am trying to take precautions to protect my personal information from ruining my financial life. There is very little help on the XXXX or XXXX or Equifax site to guide you to a free credit report lock or fraud alerts. They want to charge you at every turn. This is disgusting. I never asked them to collect my financial data and certainly not allowed them to leak it. I feel every person needs a free way to monitor or be alerted to any breach on their personal information that affects their life and head off a disaster waiting to happen some day in the future. THIS NEEDS TO BE FREE.
Complaint sub-issue: Debt was result of identity theft

XXXX  XXXX  took out XXXX charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to XXXX  notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of XXXX XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and XXXX  identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from True Accord on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.
Complaint sub-issue: Debt was paid

A collection agency, Pro Collect, is trying to collect a debt that should not exist. 

In XXXX of 2012, I discontinued payment on a storage unit due to financial difficulties. Within a couple of weeks of non-payment, I received a notice from the storage facility that the locks would be cut and my items would be sold at auction. I received a prelien notice on XXXX, a lock cut notice on XXXX and a notice that my items were to be sold at auction on XXXX/XXXX/2012. With rent at the storage costing $ XXXX/mo, the items sold at auction should have well covered the month of rent that was due. 

It has been 3 years since I have heard anything about the storage unit. Now, 3 years later, Pro Collect, a collection agency, is trying to collect {$6800.00} in back rent on the storage unit. This is outrageous and a complete scam!
Complaint sub-issue: Information belongs to someone else

I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC XXXX affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX
Complaint sub-issue: Investigation took more than 30 days

I submitted an investigation request to Equifax on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but have not.