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

I receive promotional offers for an XXXX XXXX credit card regularly. In XX/XX/2019, I applied for a credit card with a promotional offer of {$200.00} statement credit and XXXX airline miles after spending a specific amount. I have inquired about never receiving the airline miles, but was advised that I have another account and was not eligible for the promotion. I continue to receive the same offer and no where does it say if you already have a card you are not eligible for the promotion within so many months. To me this is a misleading and deceptive practice. Why would I or anyone else for that matter want to pay two annual fees to earn miles, if we are not eligible for the promotional offer.
Complaint sub-issue: Frequent or repeated calls

I CONTINUED TO RECEIVED REPEATEDLY PHONE CALLS ALL THROUGH THE ENTIRE DAY AND THE CALLS WERE FROM DIFFRENT PHONE NUMBERS LISTED BELOW. 

US BANK XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX there is more dates and times repeatedly us BANK called me
Complaint sub-issue: Reporting company used your report improperly

My private information ( e.g. social security number, address, birthday, etc. ) is most likely to have been stolen in the massive hack of Equifax.
Complaint sub-issue: Was not notified of investigation status or results

This is XXXX XXXX I'm complaining about your failure to respond to my request to provide XXXX, It has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal actions if that's what it takes for you to take this matter seriously.
Complaint sub-issue: Their investigation did not fix an error on your report

I set up a payment plan in XX/XX/XXXX with XXXX to pay a bill that I owe, the total was $ XXXX.The agreement was to make a payment every Friday of {$40.00} until the bill was paid. 

I paid the bill off through XXXX. 

That same month a collection ( XXXX  XXXX ) appeared on my credit report with an inaccurate amount of XXXX that I owe to XXXX. 

I called XXXX and told them what was going on and they told me I would have to contact the ( XXXX XXXX ) collection agency to get it removed. 

I contacted the collection agency and was told that XXXX would have to update them saying it was an error on their end to have it removed. 

I contact XXXX and was told it would be removed. 

XX/XX/XXXX, I received a letter from the collection agency saying that sent in a request to all bureaus that the negative remark be deleted. 

It has since been deleted from my XXXX report. 


I have disputed it on Equifax and XXXX report. 

Equifax sent me a dispute update via mail saying that it was updated, which is inaccurate. 

XXXX  closed that account and its now say paid collection, which is inaccurate but I didnt make a payment to the collection agency, all my payments were through XXXX.
Complaint sub-issue: Old information reappears or never goes away

This car loan has been on my credit report over  7 t o 10 years and should be deleted immediately.
Complaint sub-issue: Debt was paid

Credit dispute letters were sent to the 3 credit bureaus XXXX equifax and XXXX. They did not remove the charged off accounts that have been remaining on my reports for over several years that have been paid. Credit inquiries and credit card balances still remain on my credit reports over 2 years. A past car loan that has been paid and settled still remains on my report. My initial complaint is that credit bureaus are not removing past and closed accounts in a lawful timely matter which further impacts my credit scores.
Complaint sub-issue: Denied request to lower payments

Since purchasing this vehicle and securing the loan through Regional Acceptance Corporation, I have had some medical problems which caused my Mom to make the payments. She has been doing so but fell behind. Representatives have called my Mom 's phone number up to 5 times a day and most times, my Mom will talk to them. I wrote a letter and signed it on XX/XX/2019 requesting that my Mom be placed on the account. She was told that the letter was not accepted because they had to talk to me personally. That is not possible. Today my Mom attempted to make a payment and they would not accepted it. I don't think it is fair that they would not accept my letter because they are well aware of my medical problems. They call my Mom up to 5 times a day ( even on XXXX XXXX ) but won't talk to her about possible solutions to correct the deficiency. Yet they accepted payments from her without any questions. Please help! Thank you!
Complaint sub-issue: Problem getting your free annual credit report

XXXX XXXX I have no problems or issues with getting Transunion, or Experian free yearly credit report. But ever since Equifax had that huge data breech about 5, 6 years ago getting an online free credit report has frankly been a real pain in the XXXX. 

I'm tired of it. I don't think it's right that I should have to pay for their XXXX up every single year. 

Once again, snatching XXXX from the XXXX of XXXX, they refused again- this year. On XX/XX/XXXX, I wrote them in writing requesting a copy of my credit report- if they won't let me download it online, then they can send it to me by mail. 

Today is XX/XX/2021, that's 7 weeks ; I'm fairly certain that once again Equifax is blowing me off. 

XXXX XXXX I want to know why, in writing, when I have a total credit score of XXXX they told XXXX to decline my application. XXXX XXXX number : XXXX ) I don't know which is more irritating : that I can't download my credit report, that when I requested in writing an explanation of why my XXXX gas card application was rejected with an average credit score of around XXXX, or they haven't fixed their system after 5 years.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

According to https : //www.equifaxsecurity2017.comXXXX I may have been impacted by the Equifax data breach made public XXXX 2017. I have been forced to implement a credit freeze and will need to continue to monitor my credit in the future due to their mishandling of sensitive information.
Complaint sub-issue: Card was charged for something you did not purchase with the card

You are known by the company you keep, and Citi is keeping company and is complicit with some very bad actors. I was billed {$310.00} by Citi for items from " XXXX XXXX '' and " XXXX '' that I did not order and did not receive. Citi sent me a form which I signed stating that I did not order the items and did not receive any benefit. Citi initially credited the billing but subsequently re-biled me. I called Citi and asked them what they had that was more credible than the forms I had signed stating that I did not order the items and did not receive any benefit. After three separate requests sent over a couple of months, I finally received a set of documents that Citi said they received from the two companies involved. It appears that this all started when I ordered a product sample from a company by the name of XXXX. I went through the documents and was unable to find any documentation that I ordered the items I was billed for, nor any proof that anything had been sent to me. I have called Citi several times and asked that they point out where in the documents it shows my placing the orders, and where in the documents it shows anything shipped to me. The Citi employees I talked to agree they are unable to provide me with proof of my ordering or receiving anything of benefit. Two of the Citi employees were forthright in admitting that this is a scam, that they get an enormous number of calls on it, and while it is a scam, unfortunately it is not fraud. In order to protect my credit rating I have paid the amounts Citi billed, however, Citi should be ashamed of their complicity in such a deceitful business practice.
Complaint sub-issue: Account status incorrect

Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX. 
I also filed chapter XXXX bankruptcy on XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought a laptop, and applied for a new credit card with Citibank. I received one statement, and just before paying it ; my daughter indicated that it did n't work. Several of the keys did n't work. I took it back, and had a difficult time returning it. I had to wait for 30 mins while they tried to adjust the settings. It was beyond the return period, and I did n't have the packaging, so the store refused to return it. 
They directed my complaint to the manufacturer, and I refused to hassle with that. 
I left the laptop there. IN the meantime, I did n't receive another statement, or anything else in the mail from either XXXX, or the credit card company, ( Citibank ). 
I received a call from Citibank about 2 weeks ago, and when I got home, I called to dispute the charge. I looked for any add'l documentation, and have only received the initial statement. I have it on file, and see that it reflects a TOTAL balance due of {XXXX}. I just confirmed with CitiBank that they have n't sent any add'l statements and they the balance they are trying to collect is {XXXX}. I have closed the account, and had filed a dispute that I owed anything to them. I initially filed the dispute, over a phone call on XXXX XXXX. I received a collection call today, XX/XX/2017
Complaint sub-issue: Their investigation did not fix an error on your report

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as the inquires however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX is reporting my credit usage as fair rating and high impact which is inaccurate.
Complaint sub-issue: Public record information inaccurate

We had to take Solar City/ Tesla to Small Claims Court in XXXX County , Ca on XX/XX/19, as their Solar System wasn't producing the power per the original contract. We won the case and XXXX County Superior Court Department XXXX, cancelled the contract with Tesla/Solar City. Judge asked Tesla to pay us {$4100.00} in Damages or remove the panels/fix the roof. Tesla chose to pay us {$4100.00}. We thought everything was over. Tesla continues to harrrass us by not removing the fixture lien from our title and they added another fixture lien in XXXX. Tesla is retaliating aganist our family for us taking them to Court. We can't even refinance our house at this time due to these fixture liens. Very unfair and unethical..
Complaint sub-issue: Information belongs to someone else

APPEARING ON MY EQUIFAX CREDIT REPORT, XXXX XXXX, IS being wrongfully reported as the result of a 20 dollar billing dispute with XXXX.My credit history is destroyed by this single item.XXXX in addition, balance chased and charged fees that were illegal.
Complaint sub-issue: Overdrafts and overdraft fees

US bank is harassing me for collection of over {$1000.00} in nsf and late fees and is having a collection agency from Texas call me and harass me for over {$3000.00}. This collection agency has left me voicemails saying they are coming to my home or workplace to serve me with a summons on behalf of US Bank. These tactics are entirely unacceptable. I called the collection agency who failed to identify themselves ( phone  number is XXXX ) and I asked them what their voicemail is about. The account in question is over 10 years old and I disputed the claim then, originally an nsf item which overdrew me less than {$10.00}. To think that I am being assessed over {$3000.00} for this is absolutely unethical and unconscionable. This issue is not on my credit report and I refuse to be bullied by US Bank or its collection agency. The collection agency said they were going to garnish my wages and said that I mismanaged my account and attempted to defraud the bank!! They are defrauding me! I told the collection agency that I disputed the validity of the claim then and now, and I refuse to pay this. I will continue to report this behavior and I do not want to be bothered with this anymore. This problem was entirely created by US Bank. Please help. Thank you.
Complaint sub-issue: Debt was result of identity theft

not my debt.. XX/XX/20 credit monitoring company sent alert of suspicious activity.
Complaint sub-issue: Trouble with how payments are being handled

Nelnet has my XXXX benefit documentation yet has failed to update all of my loans and payment status accordingly. They have repeatedly kept asking for social security documents and continuously keep switching me to REPAY then back to PAY AS I EARN then back to REPAY every few months. I do not have a review with the social security administration for another 7 years!!! This is working on my account in bad faith and intentionally trying to create a default on my student loans. A social security recipient should have to continuously keeps going through this every few months with Nelnet. I need the CFPB to investigate on the complaint on this matter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : 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: Didn't receive terms that were advertised

On or about XXXX XXXX XXXX I was provided with a reward code from KeyBank for opening checking account ( reward code XXXX in the amount of {$200.00} dollars ). I also received a second reward code XXXX, in the month of XXXX XXXX XXXX, for opening a savings account in the amount of {$50.00} dollars. KeyBank had failed to comply with their advertising ads upon opening the accounts which I complied with their requirements to receive the rewards. However, due to KeyBank 's failure to process the reward code. I had to close the first checking account and request that the reward code be applied to the second opening of the checking account. Upon requiring about KeyBank, failure to process the reward code to the first opening of the checking account nor the reopening of the second checking account refused to comply with their advertising requirements nor complied to reward me for opening the saving account which had no issues. I stated that all requirements were met with checking account and saving account upon opening.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX SS XXXX DOB XXXX I was recently in the hospital for XXXX XXXX XXXX XXXX XXXX a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : XXXX
Complaint sub-issue: Debt was paid

XXXX, XXXX and XXXX, I contacted all three credit bureau 's and asked for them for debt validation but it came back as verified. I contacted XXXX for debit validation because the reporting is inaccurate and they advised me that their system didn't go back for my account due to it being with Jefferson Capital Systems. I then contacted them and was told that there is no payment needed on the account and that the account has been paid to an 0 balance since XX/XX/2017. They also stated that they notified the company so the debt can be removed off of the credit report. The rep stated that she will send me a letter for proof. I received the letter and contacted XXXX once again then was told I needed to contact the three credit bureau 's. I contacted them and they updated my credit report incorrectly again. I have been battling with all five for the last three months and I need this account to be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.
Complaint sub-issue: Information is not mine

I reported to Equifax that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. These accounts appear as a result of identity theft : XXXX-student loan account number unknown XXXX-medical bill-XXXX XXXX-medical bill-XXXX The XXXX-utility bill account number unknown XXXX- account number unknown XXXX- account number unknown I also requested Equifax to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and to send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires Equifax to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Equifax informed me that they received my dispute and are waiting 30 days for the Companies to respond. Equifax did not acknowledge my request to BLOCK the information as required by section 605B of the Fair Credit Reporting Act within 4 business days
Complaint sub-issue: Banking errors

Previous complaint # XXXX - XXXX filed XX/XX/XXXX.TCF Response dated XX/XX/XXXX " Acknowledges {$140.00} in overdraft fees '' and only refunded $ XXXX Still owes me $ XXXX of the Total {$140.00} AND - I -did NOT " Agree to a " Partial payment '' - My Status is " OPT-OUT-No Fees '' - {$85.00} is What is Still owed to me- For TCF Bank " charging/withdrawing my Money out of account '' OPT-OUT " Means NO_FEES **. 

_________________________________________________________ AND, Under ( previous/Above/Complaint ) and Under TCF Response - Also, Acknowledges : Under Minnesota XXXX Courts XXXX ; XXXX TCF is to pay refunds to customers who " at the time between XXXX who ( where ) in OPT-IN- to overdraft services and paid overdraft fees that were ( NOT ) waived or refunded, and otherwise meet criteria specified in the CFPB and OCC-reviewed ( refund ) Plan. Enclosed are ( Proof of " Actual '' statements for XXXX the Amounts Year-to-Date of the " Overdraft fees '' for Each Year- TCF- as with above ( previous complaint ) Response " Acknowledges " account ending in XXXX for XXXX the Total Fee " reversed '' is {$590.00} '' XXXX 

XXXX Total overdraft fees {$1600.00} - minus {$210.00} reversed = {$1400.00} still owes ( me ) *** XXXX Total overdraft Fees {$730.00} - minus {$35.00} reversed = {$700.00} still owed to me **** XXXX Total overdraft fees {$640.00} - minus XXXX reversed = {$430.00} still owes meXXXX XXXX Total overdraft fees {$300.00} - minus {$140.00} reversed/refunded = {$160.00} still owes me ****** Grand Total = XXXX {$1400.00} / XXXX {$700.00} / XXXX {$430.00} / XXXX {$160.00} / ____________________________ TOTAL {$2700.00} OWED TO ME ___________________________________ REVERSED ( refunded amounts ) : XXXX {$210.00} XXXX {$35.00} XXXX {$200.00} XXXX {$140.00} _____________ total refund {$590.00}
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I previously had credit card with Discover, I hit hard times XXXX XXXX XXXXand couldn't make payments roughlyabout XXXX. I contacted them to let them know i couldn't make payments they expected payments regardless. I was notified this year by a card from the city of XXXX notify me in XX/XX/XXXX of a court date next year XX/XX/XXXX but no idea what for. XX/XX/XXXX I received a letter not in a envelope in my mailbox of paperwork containing a lawsuit brought against me from Discover bank and court date of XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I HAVE SUBMITTED MY ID THEFT REPORT AND THEY HAVE FAILED TO RESPOND IN THE TIME ALLOWED IN SECTION 605B. THEY ARE IN VIOLATION OF 605B OF THE FAIR CREDIT REPORTING ACT. THIS AFTER I WAS A VICTIM OF THEIR DATA BREACH!
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is misreporting the balance and status of a charge-off auto to XXXX and Equifax. The account has been settled for less than the full balance, and is reporting to XXXX  correctly with a {$0.00} balance owed, and settled.