Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

All my bank accounts at Citibank were blocked and then closed without previous communication. After they closed my bank accounts, they sent me a letter only stating that they decided to close banking relationship with me without giving any reasons. I called the bank to find out the reason and they said because I received an SBA loan into a personal bank account. I have provided with all the information they requested, I sent them a fax explaining how the process worked with the SBA and they don't answer nor respond any of my questions. On XX/XX/XXXX, I went to a Citibank branch and they called the fraud department, the lady from the fraud department named " XXXX '' told me that I didn't have any funds and that I wasn't going to receive any money from the bank. Citibank has my money XXXX and I need to know why they won't give me more information. The fraud department at Citibank has hung up on me " literally '' 3 times, when I ask to speak with a supervisor or someone that could give me more information, the representative ALWAYS terminate the call by saying " I have given you all the information and this call will be terminated '. I am being treated as a criminal, I'm asking for answers and all I get is the worst unfair and rude treatment from this bank. I understand the fact that a bank can terminate banking relationships with an individual, but, I can't believe that a bank can take a money that doesn't belong to them, and this behavior is called " stealing ''. Thanks in advance for any help provided!
Complaint sub-issue: Problem using a debit or ATM card

I contacted Coinbase regarding unauthorized transactions made on my debit card on XX/XX/2022. On XX/XX/2022 I received several emails from Coinbase regarding the unauthorized transactions that stated my claim wasn't going to be processed because the transactions were past the time limit. They stated that I only had 60 days from when the transactions were made to report the fraudulent activity and submit a claim. I called customer service regarding their response and informed them that I was hospitalized twice following these transactions being made on my account, which prevented me from contacting them within that time frame. I also informed them that I never received any statement from them showing me the transactions on my account. I also informed them that my mobile device had been stolen, so I never reviewed my account or saw the unauthorized transactions prior to contacting them. I informed the representative that I would provide my doctor 's notes that I received from the hospital when I was XXXX which detailed the dates of my hospitalization. The representative stated that she was submitting an escalation regarding this and stated that someone would contact me via email. I never received any email regarding the escalation. According to Regulation E, when reporting account errors, a institution must provide addition time to the consumer if extenuating circumstances prevent them from reporting the errors within the specified timeframe. My hospitalizations were extenuating circumstances, therefore Coinbase should have taken this into consideration and extended the timeframe for me to report the unauthorized transactions made with my debit card. Regulation E 1005.6 ( b ) ( 3 ) ( 4 ) Extension of time limits. If the consumer 's delay in notifying the financial institution was due to extenuating circumstances, the institution shall extend the times specified above to a reasonable period.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Transaction Details Transaction Date : XX/XX/21 Transaction Amount : {$650.00} Merchant/Description : XXXX XXXX XXXX, I XXXX Dispute Details Dispute Date : XX/XX/21 Dispute Amount : {$650.00} Dispute ID : XXXX I have called Citi credit care company numerous times , sent them all the information they have requested. They assured me I would be credited multiple times ( which is recorded on their end ) but they never credited my account. The last conversation I had with them was they would call me back. If I received a call they never left a message.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Bounced checks or returned payments

on XX/XX/18 i deposit check i did not know was not good thay closed my account without telling me
Complaint sub-issue: Received bad information about your loan

In XXXX, I received an email from Nelnet stating that my unsubsidized student loans were receiving a subsidy that they were not eligible for and that they had " corrected '' the error. The new amount was shown along with the {$12000.00} of accrued interest they had added. As I was unable to look into this further, I did not realize what was happening with my student loan balances until I began to really focus on my credit and clear up any and all inaccuracies on my credit reports later in XXXX. After getting my credit report completely cleared up and removing most inaccurate information, the only ( and largest ) inaccuracy left was the balance ( s ) showing for my student loans. Somehow, when the loan servicer changed from XXXX XXXX XXXX to XXXX  XXXX, to now Nelnet, the balance of about {$40000.00} ( a total of {$29000.00} in unsubsidized AND subsidized student loans taken in XXXX ) had been inflated with false information and now appeared as two separate loans of over {$55000.00} and {$24000.00}, respectively. I contacted Nelnet via email and phone on XX/XX/XXXX and have continuously been in contact via email and telephone several times monthly since then. Most recently ( on XX/XX/XXXX ) I was told that my prior servicer would have to be contacted to fix the amounts that were now showing, but my prior servicer said that they have nothing to do with how my current balances are being shown and reported to the credit bureaus and it is Nelnet that would have to address these errors. 
In order to more fully prove the issue at hand, I requested a copy of my master promissory note from XXXX when my loans were consolidated. It clearly showed a total of less than {$29000.00}. Even after this, I have been unable to get Nelnet to correct the incorrect loan balances as well as the capitalized and accrued interest they have applied to the vastly inflated principal balance. I have been told to contact the Department of Education ( even though they show my loan information accurately ) and to contact FAFSA, which has nothing to do with an inaccurate student loan balance. I am at the point where I am going to have to hire a lawyer, which is going to take any and all savings that I have set aside, just to get my student loan balances reported correctly and to remove the additional tens of thousands of dollars Nelnet has erroneously added on to my principal balance. I am simply asking for this to be corrected to show my actual loan balance, not the more than {$100000.00} that now appears on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing the complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are requested to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You
Complaint sub-issue: Received bad information about your loan

I recently took time off from school, so am no longer enrolled half-time, and have re-entered repayment. I logged in last week to the servicer ( MOHELA ) website, and saw a XXXX balance and no payment due. Then, today, I received an autodebit notice, so I logged in to check. The autodebit is set for XXXX, but my account is now showing overdue. When looking further into it, I noticed a statement was posted to my account on XX/XX/XXXX, with a due date of XX/XX/XXXX, and now my account is showing overdue. Is it not against the law for servicers to send a bill that is due on the same day the bill is printed?
Complaint sub-issue: Account status incorrect

XXXX and Equifax both have my mortgage with XXXX XXXX XXXX as being delinquent. 

I filed a complaint against XXXX XXXX XXXX back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My XXXX loan was closed. 

To my surprise, I checked my credit score and XXXX, Equifax and maybe XXXX now have my account as delinquent. 

I called XXXX and they confirmed I was never delinquent or late.
Complaint sub-issue: Debt is not yours

Audi Financial Services ( AFS ) has repeatedly attempted to collect a debt that is not owed. I leased a vehicle with them in XX/XX/XXXX and returned it in excellent condition in XX/XX/XXXX. No payments were missed and all fees had been paid. 

In XXXX, I was notified by XXXX XXXX XXXX that they were attempting to collect a debt owed to Audi Financial Services in the amount of {$810.00} in association with the leased vehicle. When I requested a bill showing the owed amount from AFS, I received a bill showing the amount of {$1000.00} being owed, with NO explanation of what it was for. 

Several conversations took place with XXXX XXXX XXXX in order to determine the source of the debt. On 3 separate occasions, I was told 3 different reasons for the charge. 1. Excessive wear and tear at time of turn-in. 2. Disposition fee. 3. Personal property tax owed. 

I requested a complete ledger from AFS via XXXX XXXX XXXX, which I was provided ( see attached ). The ledger covers dates from XX/XX/XXXX through XX/XX/XXXX reflecting total charges of {$33000.00} along with payments of {$33000.00}, leaving a XXXX XXXX through XX/XX/XXXX. Clearly, there should have been a balance on the ledger if there was anything owed. I indicated this to XXXX XXXX XXXX and they ceased communication. 

Just yesterday, on a letter dated XX/XX/XXXX, I received another debt collection letter from a new company, XXXX XXXX XXXX XXXX, in an attempt to collect {$810.00} on behalf of Audi Financial Services. 

At this point, I have dealt with this via numerous phone calls and have proven that there is nothing owed on this account, yet I continue to receive more letters and phone calls. I feel as though I am being harassed and have tried everything to get them to stop. This car was turned in over 5 years ago, in excellent condition, and with NO BALANCE DUE!
Complaint sub-issue: Reporting company used your report improperly

In XXXX XXXX it was announced that Equifax Inc. systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.
Complaint sub-issue: Report improperly shared by CRC

I never gave my authorization for this dealership to pull my credit XXXX different times. I never would have believed that a dealer would run my credit so many times. This has messed up my credit score and has made it very hard to even get financed through any other dealership. I sent out a certified letter to dispute and request proof of where I gave my authorization for my credit to be pulled XXXX times. They pulled my credit XXXX times the day I stopped by their dealership I found out, but then pulled it again after I had left the dealership calling me about they are able to get me a lower price. I did n't know they were pulling my credit all these times and it was not with my consent. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over 30 days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; Original Creditor : XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

To whom it may concern : As I have been facing reduced work hours due to COVID-19, I had to reach out to each creditor I owe money to work out some kind of relief. While the vast majority had granted me a deferment or waiver until I get my hours back, unfortunately Citibank ( servicer of the Best Buy Visa Credit Card ) has refused to work out an agreement due to my current situation. I talked to XXXX ( ID XXXX ), from Customer Service last week. She declined to waive the payment temporarily, or apply a deferment. Not even allow me to pay as much as I can as my financial situation allows me. One more time, Citibank is lying when they offer COVID-19 relief, and I feel like they have something personal against me, even I made my best to pay on time.
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA CREDIT FKA SIMPL XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I signed up for a Loan with Nelnet. The terms were as follows. Total amount XXXX with four payments of approx. XXXX. They charged the first payment amount correctly, in XX/XX/2019 But then increased the amount due to a school error. They charged me XXXX and refuse to refund it. Even though the school has corrected their records. When I call them they say there is nothing they can do. Agreement Number XXXX
Complaint sub-issue: Charged too much interest

Gentlemen, I would like to file a formal complaint against Discover XXXX. Upon my wifes passing on XX/XX/XXXX, I began the lengthy process of identifying her outstanding liabilities. Upon reviewing her statement from Discover, I noted the excessively high interest rate Discover was charging my wife on her card XXXX. The rate was 28.99 % which I believe is excessive, boarding on what I consider to be usurious. My wife XXXX was XXXX XXXX XXXX. XXXX as she had been a customer since XXXX, had a XXXX score of XXXX per their XX/XX/XXXX statement, had stable employment ( XXXX ) years and stable residence ( XXXX ) years I fail to see what characteristics placed her in such a high risk high rate population pool. 
My daughter, age XXXX also has a Discover card, her rate is XXXX  %. This speaks to the possibility of age discrimination in the determination of pricing. I understand the concept of varying rates based upon perceived risk, but in 38 years of commercial banking I have never seen a rate of XXXX %. I understand the concept of discretionary pricing having worked in banking for 38 years, but have never seen such disparity. 
I request you investigate this matter and specifically look at the following issues : XXXX ) Age discrimination in pricing that XXXX be overt or covert XXXX XXXX XXXX pricing strategies for both existing and new customers and whether said strategies are well supported by statistical data which clearly identifies credible risk factors XXXX ) Whether pricing strategies are applied universally and fairly to all clients rather than cherry picked I have reached out to the company on XX/XX/XXXX to request answers to these questions and was told I my concerns would be passed on to a higher authority. The name and title of said authority was not given. To date I have not received a return call although contact information was exchanged. 
General information you may need : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  last for digets of her social security number My name is XXXX XXXX. I can be reached at ( XXXX ) XXXX if further information is required.
Complaint sub-issue: Information belongs to someone else

I've reported to the major credit reporting agencies that my identity was compromised and without any physical documentation in which was requested they still mis reporting these unauthorized fraudulent accounts on my credit file. I'm requesting that these accounts are removed immediately and blocked from my files. These accounts shall be removed. 

1. XXXX XXXX {$580.00} 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of ED/ XXXX {$3800.00} 8. Dept of ED/XXXX {$3700.00} 9. Dept of ED/ XXXX {$2200.00} 10. Dept of ED/ XXXX {$1800.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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: Received bad information about my loan

Firstmark Services has incorrect information about my account on their website, including incorrect amount of accrued interest and incorrect monthly payment amount. The website says that I should be paying them $ 4000+ a month, when my monthly payment should actually be around {$500.00}. 
I contacted customer service to understand what is going on, and they were very unhelpful and just said that the website is n't working. 

This seems problematic because I assume the website would accurately display basic information like loan amounts. But it is n't. And this makes me think I need to go back and check every single number on there. Which is a hugely time-consuming prospect. Also, if my information is correct, that means may other customers ' information could be incorrect.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

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