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

Fees for cash advances on Citi Credit Cards. 
I took out a cash advance of {$2600.00} for 3 days against my Citi Platinum Select Card for which Citi charged a flat fee of 5 % and in addition interest of 26.99 % APR. I was fine with the interest charge, but charging a flat fee of 5 % on top of that was unexpected and not properly disclosed. In addition, this 5 % fee amounts to a 608.33 % APR (! ) which is higher than even most payday lender would charge for this ( also for reference my FICO is 780+ ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Acount # 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: Can't use card to make purchases

CITI CARDS XXXX XXXX XXXX XXXX PA XXXX Member Since XXXX Account number ending in : XXXX The company on his own produced false justification to cancel fully paid off credit card with {$18000.00} credit limit and XXXX due balance. A silly alarm was given at charge {$99.00} to XXXX I am using at least 10 years. In XXXX there was no issue. In XXXX the same transaction is causing cancelling the card. Total ridiculous treatment of messy agents providing 'excellent customer service '. They can not understand that someone works in XXXX and has two ( 2 ) properties in USA. The card was mostly used to pay insurance or transfer balance if an 'low interest ' offer came. Subsequent interest rate increases to 25 % p.a. despite of timely payments for over 20 years.
Complaint sub-issue: Account information incorrect

A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX  and unable to pay off any of these loans.
Complaint sub-issue: Account status

It is listed on my credit report on Equifax that XXXX XXXX ( XXXX XXXX ) as a current open account and not being paid. I have disputed this issue repeatedly with Equifax , Equifax stated that if it does not state XXXX XXXX in the bankruptcy papers, then they will not list the debt as included in BK. Per. Chapter XXXX bankruptcy it does n't matter if the debt is listed by original creditor, or the creditor that bought account, or turned over to another collection agency, the debt still must be noted per. United states Bankruptcy court that they debt is being discharged through chapter XXXX bankruptcy. Equifax states that if it does not state original debt then they do not have to acknowledge that the debt is included in chapter XXXX bankruptcy. They continue add on my credit report that XXXX XXXX is open and never paid even though it is under the most recent credit that handled the account for recovery for XXXX XXXX is listed by that creditor under chapter XXXX bk documentation. Also the date since the account was listed when I filed a rebuttal was XX/XX/XXXX, when I called they then update it XX/XX/XXXX for XX/XX/XXXX. That is illegal, and a lie, they debt has been listed on my credit file since XX/XX/XXXX. Plus this account is listed under the recovery service at the time the chapter XXXX was filed, they refuse to acknowledge or even note on this XXXX bill listed as ( XXXX ) that this account is old, and also listed in my chapter XXXX bk, and should not be in open unpaid debt. I have called and disputed this issue the last 4 months. There last response was if it was listed that fixed it. But how did you fix it when some accounts are still not listed as closed. Equifax should staty abreast with legal status regarding chapter XXXX bankruptcy codes and regulation. I 'm, tired and whether disputing, calling, or forwarding documentation they will not fix any of your credit file. I 'm tired I even want to get an attorney and sue.
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 {$2200.00}.

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 ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I had a financial emergency and took out an online payment with this company sometime in XXXX i paid off the loan and then re loaned and then had a medical issue and was off of work for a period of time and unable to pay, i sent several messages requested a payment plan and was denied a feasible plan that worked for me, so I then sent a letter to revoke ACH payments being taken out of my account.. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in had email conversations with someone named XXXX again with no resolution. 
Today XXXX, my mother and ex husband both reached out to me that someone named XXXX XXXX from XXXX XXXX was calling regarding a complaint I filed and inquiring about my address and personal information. this person mislead the callers was mischievous and malicious about getting my personal information, this person was very unprofessional when I called back was in fact laughing when i told him how he went about reaching me was unprofessional. I am very upset. when asked about company information he was hesitant and then provided the business address as XXXX XXXX XXXX XXXX, New York. XXXX
Complaint sub-issue: Account status incorrect

My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a government contract in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, sunshine towing. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo XXXX My lender, ALLY Financial, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to Ally, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked ALLY Financial for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought tickets for a flight to XXXX on XX/XX/2019, to XXXX for departure date of XX/XX/2019. When I received the ticket and invoice to my email address, the name on the ticket did not match the name I had entered. I called the booking agency to figure out why my name was not on the ticket and how I could get a ticket for my name. They stated that any changes to the ticket require a {$120.00} fee. I refused to pay the fee as it was not my problem that they had made a mistake on their end. They would not refund me or change my ticket without an additional fee. I then filed a chargeback with my credit card company, Citibank, under " services/goods not received ''. I sent over all the required documentation to my credit card agency and received a letter stating that they had closed the case and I would have to pay the charge since they did not receive the documentation asked for.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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: Information belongs to someone else

I am distressed that the information below in my credit profile is due to identity theft.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have the XXXX Citi Business card. I had to pay for refrigerator repair for my business on XXXX/XXXX/XXXX. That cost {$700.00}. Refrigerator worked fine the few times we used it in XXXX and we took a break in XXXX for wedding and honeymoon. In early, XXXX I contacted the frig repair company since the problem came back and I ca n't run my business without proper working equipment. Company came out and charged {$120.00} for a diagnostic fee on XXXX/XXXX/XXXX. They order parts and completed the work on XXXX/XXXX/XXXX for another cost of {$1000.00}. The total I paid this company is {$1800.00} and in early XXXX the frig went out again. I ended up purchasing a new unit for {$2800.00}. I contacted Citi to dispute the charges on XXXX/XXXX/XXXX they gave the business owner until XXXX XXXX to respond. Fortunately they responded sooner, I provided my a letter stating that the repairs were inadequate. They told Citi bank that they have a 90 day warranty, but the company told me they have a 30 day warranty. I 'm being taken advantaged of by this company and Citi bank did nothing to resolve it. They sent me a letter stating the merchant did n't want to refund me so the dispute is resolved. Citi rep was also telling me that the time it took me to dispute exceeded the allowable time, but it only took this long because they gave 3 months to respond to the dispute.
Complaint sub-issue: Information is missing that should be on the report

I have been negatively affected by the information Equifax has in my file. The information has not been updated in over 6 years. Accounts missing and old accounts that have been paid in full and closed are still showing. I was just denied credit due to Insufficient Credit References. I have over a dozen active accounts that are all current and have never missed any payments or even been late. This has been a problem for years with Equifax and the last time I spoke with them, they stated that if the creditors dont report, they can not update. How is that right, when XXXX  and XXXX  seem to keep up with my accounts. This is ridiculous.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and I am writing to delete the following information in my file. I am currently in the process of trying to buy a house, but these items are hindering the process. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Trouble using the card to send money to another person

Today is XX/XX/XXXX. I have a bill due for housing, I thought it would be an easy transfer of funds. I called Keybank at XXXX and asked for the ABA number and my account number to make the transfer. After a 20 minute hold the man who answered said it I wasn't entitled to transfer money unless I signed up for bill pay and gave me the number for a separate bill pay department within Keybank.From XXXX to XXXX I was transferred twice within the bill pay department and told to call the bank I wanted to transfer the money to and see if they could help. Without the ABA number they could not. That call took 5 min ( XXXX XXXX ). At XXXX after trying to sign up online for bill pay and receiving a message to try customer service I tried that number. 
XXXX transferred twice within the department and then given the number I initially called which was on the back of the card, XXXX I was on hold and then told there is a separate department that handles unemployment benefits and that was the key2 benefits department again a number I had tried many times. This time the person offered to walk me through the online system with the same results. The automated system would not let me set up an account. 
He suggested I call the number on the back of my card again but this time chose the option for a lost card as that would get me faster service. I did that, again the agent walked me through the service this time telling me I could not use my name as the user name, nor could I use social security number, birthday -none of this is on the website. It just comes back as a red screen, it does not tell you how to correct the problem. When I told the agent that, I had been using my name, she said ( of course ) this happens all the time. Even with her instructions I was not able to create an account, this time a new message came up INVALID and to call another number. She could not transfer me so I called now an Online Banking department who suggested a take a cash advance, but I can not send cash to my landlord. He redirected me to customer service, the agent there again walked through the key2benefits website and after it did not work she said she would put in a ticket, which would take 48 hours to process and I could try again then. I asked for a ticket number or something I could reference if it did not work after 48 hours. She could not give me a reference number. I asked if I had to call back in 2 days, would the representative have any notes from the last 4 hours I have spent on the phone and she said no they would not. I tried to call a local branch, as did the XXXX XXXX banker but bc of cover they are not answering the phones, it says you can set up an appointment online. When I went online to set up an appointment there were no available times for through XXXX. It is now XXXX, and I have tried for 5 hours to transfer my unemployment funds to secure housing.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Account # XXXX has violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Complaint sub-issue: Personal information incorrect

In XXXX of XXXX I sent Equifax a letter requesting to have my personal information updated as they had several erroneous addresses being reported, some were addresses I have never lived at. Their first response was that I did not send enough information for them to properly identify me. I responded by sending them my home address and my social security number requesting again to have my information updated to the correct information. I was asking them to update my current address to my po box address and to remove my date of birth, my work history, and the wrong addresses ( 8 in total ). The second response I received from them was that I still did not provide enough information for them to make the requested updates and to send in a copy of my social and also a proof of address for the po box . I submitted the requested documents to them, and they received them XX/XX/XXXX. I am submitting this complaint because the information still has not been updated as I requested. They removed all of the old addresses, but are still displaying my full date of birth, my home address and my work history. I am frustrated at this point because I wish for my rights to privacy to be respected. I specifically stated in the letter I do not wish to have my home address publicized. I do not feel I should have had to make this many attempts just to have my personal information updated, especially after I have given them all of the proof they need to show I am who I say I am. I would also like to add that all of my correspondence with Equifax has been through my po box . They have not sent anything to my home address.
Complaint sub-issue: Was not notified of investigation status or results

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX XXXX my card.com premium bank account card was charged {$38.00} I had already canceled my XXXXXXXX XXXX policy and called them XXXX XXXX issues the payment back to my card but card.com premium bank account card stopped the payment and told me I have to file a dispute for what reason I really dont know I gave them the Transaction # but they refused to look it up saying I just need to file a complaint and wait the XXXX days I already been waiting since XXXX its XXXX so they telling me to wait until XXXX for them to try to issue a refund of my own money I have been calling and they telling me hold on and has hung up on me over 30 times I just want my money back from this card company!
Complaint sub-issue: Account status incorrect

I have called XXXX multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myXXXX  is paid for free and clear. XXXX  company continues to run my credit score into the ground because inaccurate information. XXXX XXXX XXXX refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. XXXX  has no right to place this information on my consumer reports when I have informed them that it is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

This is inaccurate! I see a lot of missing information on this account.
Complaint sub-issue: Problem with statement of dispute

asked for a detailed verification process on the bankruptcy dispute and was refused.
Complaint sub-issue: Trouble with how payments are being handled

I made a payment to Nelnet, my student loan servicer, on XX/XX/XXXX in the amount of {$9400.00}. I attempted to initiate a refund for this amount in XXXX of XXXX and have still not received it as of today, XX/XX/XXXX. I have called multiple times requesting updates or attempting to restart the process only to be told 'the process is still taking place ' with no other detail. The current timeline of 3+months well exceeds the 4-6 weeks I was originally quoted and at this point the actions of the student loan servicer appear to be fraudulent.
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, Equifax, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, XXXX, and Equifax because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.