Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

Hello, I 've received a letter from CITI stating that I was enrolled in Credit Protection Program and charged a monthly fee without my consent. The letter said that I can to the website : www.citi.com/XXXX and submit a claim for a refund. 

When going to that website provided, it does not work. I am still unable to request for refund. 

Account Ending : XXXX Customer Reference : XXXX Tracking Number : XXXX XXXX XXXX Thanks, XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

In XXXX 2020, I opened a checking and savings account which advertised to keep a minimum of {$50000.00} in the account for 60 days and I would receive {$700.00}. XXXX the {$700.00} wasn't there and I was told that after you keep the money in for 60 days, you have to wait 30 days in order for the {$700.00} would show up. I called back in XXXX because it had been another 30 days and the {$700.00} was not deposited. Then I was told to call back in XXXX if the money didn't show up. I called in XXXX and was told to call by the end of XXXX if the money didn't show up. I called the beginning of XXXX. I was told to talk to the manager in charge and was transferred. The manager stated that I had briefly opened the wrong account which was immediately closed. But since the account was approved, I wasn't entitled to the {$700.00}. This was after all the other phone calls had said that I did qualify but that I had to wait a certain period of time for the money to show up which didn't make sense to me. I had already waited the 60 days as advertised. It is now 6 months and the money isn't there. When I opened the account, the person was very kind on the phone and knew the wrong account was opened online. He made sure that the unused account was closed and he opened the correct one and promised I would receive {$700.00} at the end of 60 days and welcomed me to the bank. After all of this time, I could have banked with someone else had I known this would have happened. Now I have less than {$50000.00} and no {$700.00}.
Complaint sub-issue: Information belongs to someone else

I'm relocating to XXXX  and looking to purchasing a condo. I checked my credit score just to see what's on my report because I haven't checked in it a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and to my local police department. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. I am doing this all on my own.
Complaint sub-issue: Public record information inaccurate

its being reported on my credit report i filed a bankruptcy when i have not causing accounts to be closed and my credit dropping over a 100 points! this caused me to lose my credit standing and i no longer qualify for a home loan
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Like many Americans, my family and I have been impacted by the worldwide COVID-19 pandemic. We lost about two-thirds of our income, and as a consequence, we are struggling financially. I tried to stick it out for as possible and pay Discover Financial whatever they wanted, every month. However, I can no longer pay an absurd amount of money for a {$1500.00} credit card. Discover Financial jacked up my interest rate to 24.49 % for no good reason, except to make more money off me. I contacted Discover Financial and spoke to customer service and told them that I would like to pay back what I owed them. However, I need a little bit of help during these troubling times. Their customer service representative categorically refused to work with me and offer any COVID-19 related assistance, even when I asked specifically for it. I was told that it is not available to me. I was also told that the only thing she would do is allow me to pay 16.99 % interest for 12 months. The customer service representative told me that all customers get the same " fair '' treatment. That is clearly a lie since I know other people who closed their Discover accounts and got 0 % APR for 60 months to pay off their balances. I was also told that if I don't make a payment immediately, Discover Financial will report my account as late. I have included a screenshot of the offer from within my Discover Financial account. If you look closely, there is no offer to close the account with a 0 % APR or anything close to it. I strongly believe that this is because of the relatively small amount that I owe, {$1500.00}, it is more profitable for Discover to keep my account open and keep me paying. During an economic crisis and a global pandemic, a good bank does its best to help its customers pay back what they owe. In my case, Discover Financial is not interested in helping me pay them back, but rather they want to profit from me for as long as possible by keeping my account open and me paying sky-high interest rates for as long as possible. This needs to stop immediately as I am no longer able to pay what they want me to pay.
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 right 15 U.S.C 1681 602. A states I have the right to privacy. 

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Complaint sub-issue: Information belongs to someone else

Someone stole my identity and received a Discover card in XXXX. Discover initially reported it as fraud and it was removed from my credit, but in XXXX they recanted and began reporting the debt again as valid which is 3 years after the dispute period and the period for providing proof under the fair credit reporting act. I have had a XXXX XXXX  from being stressed over this fraudulent account. It is reporting on my XXXX  credit report. This is drastically affecting my credit.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I was receiving multiple calls from an unknown number, always with my shared zip code. They left vague pre recorded voicemails, didn't leave a company name or what the call was regarding.When trying to calling the number back it was disconnected, finally on XX/XX/XXXX I was able to answer the call. A woman answered ( still didn't state the companies name ) verified my name ( my maiden name named changed in XXXX when I was married ) and told me that she is processing a claim against me. She said I opened a credit card in XXXX and that it was in default. I told her that is impossible, I did not open a credit card in XXXX. She told me it was a Citi bank world gold mastercard and payments had been made, she read off an old address of mine and my current drivers license number. She also told me the last four digits of the supposed card number, last four of my social security number and told me my current employer. I did NOT give her any of my personal information, but she knew all of it already. I got very panicked as I thought someone had stolen my identity, I told her as much and she was firm in telling me if someone had stolen my identity they would not make payments. I told her that I had filed for bankruptcy and it was discharged in XXXX, she again told me this credit card was opened in XXXX and payments had been made on that card. She said the amount owed was over {$7000.00}, and she was giving me a chance to rectify the situation. I asked her if that information would appear on my report report, she stated no she hadn't processed it, so it would not appear on my credit report. She gave me her first name ( XXXX ) last name ( XXXX ) and her direct number ( XXXX ) to call back once I figured out what was doing on. I pulled up my credit reports, nothing on those. Called Citibank no account found, and got in touch with FTC. I also looked at my bankruptcy paper work and found a credit card that was financed through citi bank, the account number was one digit off from the last four card number she had given me. So, I called her back today to let her know that her information was wrong, no credit card was opened in XXXX and that the debt was charged off in a bankruptcy. She became irate told me that no, I was in fact wrong, and that she will move forward with processing this claim and that I would regret this. I told her I needed her companies name and address to give to my bankruptcy lawyer she hung up on me. I called back several times, she hung up and threatened to file harassment charges.
Complaint sub-issue: Reporting company used your report improperly

During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports. 

They offer 1 free year, then want me to pay for THEIR mistake. They were negligent on their duty to keep my data, which is taken without my permission, secure. It would also be nice if CFPB would do their job and stop closing my actual complaints. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX XXXX You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Complaint sub-issue: Other problem

I have a Citi double cash back card ending in XXXX for years. There is a Citi card benefits which says that : Did You get the lowest price on Your Citi XXXX purchase? Let Citi Price Rewind search for You.

Citi Price Rewind searches for a lower price at hundreds of online merchants on the registered items You pay for with Your Citi Card. If the same item is found at a lower price within 60 days of Your initial purchase date, You may receive the difference between the price You paid and the lower price found by Citi Price Rewind. If You find a lower price that may qualify You to receive the difference
in price, You can go to citipricerewind.com to learn more.

To be eligible for the Citi Price Rewind benefit, You must pay for the item at least in part with Your Citi Card. You will only receive the lesser of the actual amount paid for with Your Citi Card or the maximum benefit per item. 

I bought a product " XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX, and XXXX XXXX  '' from XXXX XXXX XXXX XXXX at {$100.00}. On or about XXXX XX/XX/2021, the same product is available at {$84.00}. 

So obviously I will try to make use of Citiprice rewind ( https : //www.citipricerewind.com/ ). But that website is down. Called customer service toll free # ( during XXXX XXXX  to XXXX XXXX  Central time on XXXX XX/XX/2021 ) ... .getting connected to Some XXXX based support where the calls are just getting transferred from one person to another and nobody knows about this and how to help me. Last person was XXXX. They transferred me to XXXX based customer service but then the call is getting disconnected. 
Citi should not blindly outsource jobs to XXXX without training these folks. Citi should take care of www.citipricerewind.com and most importantly I should get my {$20.00} back.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My name is XXXX XXXX XXXX and I currently have a Macys American Express charge card. On XX/XX/XXXX I was charged {$10000.00}. XXXX without my consent nor approval. My minimum payment was charged on XX/XX/2022. I called immediately after finding my debit card was charged 2 times by Macys and they apologized for the error on their end. They told me it would take up to 8 days until I received credit back to my account. I have my mom taking XXXX and under going XXXX XXXX but this charge took me by surprise. I understood that this was going to be fixed and nothing further was needed. When I took my mother to her appointment 3 days later, to buy her meds and apparatus for my home I find out the another payment was taken out. I called immediately to get the issue resolved and they gave me the same answer. As Im getting ready to refinance my house to make sure I have enough funds to help my mom battle XXXX, again other payment was taken and I was rejected for a refinance. I had to take a loan because Macys took over {$31000.00} in XXXX month and handicapped me to buy her supplies. Im heartbroken that I told my mom to wait until I cleared things up. I have called numerous of times and now I have to continue to wait. I wanted to go to contact the press with this and hire an attorney but I have hopes you guys will make things right. My work check was bounced back, I cant transfer funds to my account because of the huge amounts being taken out, and now I cant refinance my property with this unjust statements showing me in the negatives. This has caused me disciplinary actions at my Job, Im forced to take FMLA due to the time I had to take to settle this issue, my mental health is not there and I dont know why this is happening all at once. Can someone please call me XXXX or email me at XXXX? I wont be back to work until next month because of the FMLA. This is unfair and unjust. My Macys card has AMEX printed in the bottom and Amex would not treat people this way. LAST XXXX of my macys American express card is XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has an item on my credit report. I attempted to dispute the item with XXXX XXXX directly, with the address that they provided on my credit report XXXX XXXX XXXX XXXX Mn XXXX. The certified letter was sent back to me, address un-deliverable. I disputed the item with XXXX and Equifax, given they have false information on my report. I sent them a copy of the letter that was returned to me. XXXX responded saying that the item met FCRA, in which it does not as they are reporting false information about me. Equifax stated that the item would be deleted, however it still remains as of XX/XX//18.
Complaint sub-issue: Information belongs to someone else

On XX/XX/19 I spoke to a rep from XXXX XXXX  named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX Bank account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want XXXX XXXX  to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. XXXX should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.
Complaint sub-issue: Was not notified of investigation status or results

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Complaint sub-issue: Information belongs to someone else

I have several fraudulent accounts reporting on my credit report, I dont know what is going on but this is not fair to me. 

I saw on the news that the credit unions had a breach and that millions of peoples data was compromised. 

How could they let this happen to us : Fraudulent Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 XXXX XXXX appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, Equifax, removed XXXX XXXX because there was no basis for their claim. I have disputed XXXX XXXX to Equifax 3 times and they keep coming back saying it's legitimately belonging to me. XXXX XXXX and Equifax are destroying my credit/FICO scores by their false claims.
Complaint sub-issue: Account status incorrect

My Equifax score went down over XXXX points and I cant figure out why. I did have a card go over limit ( XXXX XXXX ) because they added my annual fee which put me over my credit limit. I immediately paid the bill to get it back below the limit and I cant believe this would lower my score by over XXXX points. There were no other changes in my accounts, everything paid on time. Please help!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was shopping at Best Buy and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to BEST BUY. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I submitted a cfpb compliant ID # XXXX against XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. XXXX replied on XX/XX/2022 alleging that I still have an outstanding balance of {$2400.00} which is different from what they are reporting to the credit reporting agencies. In XXXX response, they alleged that the balance at the time of loss was {$14000.00}. The breakdown of the settlement from XXXX XXXX XXXX, XXXX stated the contractual Payoff at the time of loss was {$13000.00}. XXXX stated that they received {$11000.00} from the insurance company and {$70.00} from the XXXX company. They did not include the XXXX refund for {$460.00} that XXXX still had as I never received a refund. On XX/XX/2022, XXXX stated in the attached response that they would mail me a copy of the audit, signed contract, and payment history. Today is XX/XX/2022 and I have still not received anything from XXXX.
Complaint sub-issue: Debt is not yours

I checked my credit report an noticed I had a new collections account that I had no knowledge of and it bringing my score down. I sent a debt validation letter on XXXX XXXX, 2017 and did not receive a response.
Complaint sub-issue: Their investigation did not fix an error on your report

I have had a Sears Credit card for over 2 years. On XX/XX/XXXX Sears ( Citibank ) reported me 30 days late to all 3 credit bureaus. I have not missed a single payment and recently ( XX/XX/XXXX ) sent dispute letters to all credit bureaus challenging the 30 day late payment. The Credit bureaus did not update the late payment from my report instead they updated my Sears account as closed and recommended that I reach out to sears for further disputing. I have not received any proof that I was 30 days late. I subsequently sent a " Request a goodwill removal of a negative on this account '' Action to SEARS CARD SERVICES - BILLING on XX/XX/XXXX. I received the following attached document from Sears which was not helpful. Furthermore, Sears closed my credit account without my approval and knowledge. I had a XXXX credit balance and by closing my credit card I lost all the benefits to my credit history and available credit which also negatively affected my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am 60 days past due on XXXX/XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?
Complaint sub-issue: Debt is not yours

From what I understand, starting in XXXX XXXX, Hunter Warfield initiated reporting an account on behalf of XXXX XXXX XXXX that is wholly inaccurate and only getting worse. The original debt was listed as {$1800.00} and last reported, XXXX XXXX, as {$2000.00}. I disputed it a number of times explaining I do n't owe anything to XXXX. This debt is not my responsibility, nor is the ever-growing balance, yet H.W.  continues to verify it when I dispute the account to the various reporting bureaus. They have yet to explain the increase in the amount, nor have they provided any validation of the debt in response to my disputes.