Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

My name is XXXX XXXX XXXX, recently I had a problem with Citibank. On XX/XX/2020, Citibank froze my account without notice or explanation. When I discussed this with the bank, they said that there was fraud on my account. They told me the investigation timeline is from 30-60 days, but I never received any statement saying this. It is now XX/XX/XXXX, and its been almost two times longer than what they initially said it would take. All my attempts to contact the bank on the phone and in the local branch have been pointless. Each time I call, they transfer me from department to another with no result, and then after a certain amount of time on the phone hey disconnect me. During this difficult time I have to fight the bank, for them to give me my own money back. I am a single mom, and I have a lot of economic problems, and I just don't have the knowledge or time to fight with one of the biggest banks in the U.S. I  can keep calling the bank with no result, but It would be of great help if you can hep me resolve this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number : ( XXXX ) XXXX Citibank Account Number : XXXX
Complaint sub-issue: Contacted employer after asked not to

I 've called back to have them stop and told them they are not allowed to call my employer. They repeatedly told me they do have a right to contact my employer. Refuse to stop contacting my employer.
Complaint sub-issue: Information belongs to someone else

The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX ,  2017  - Notified by  XXXX  that someone had tried to open an account fraudulently  XXXX   XXXX ,  2017  -  XXXX  did a  3-way c all with  XXXX  Bank,  XXXX , and Me to have this removed  XXXX   XXXX ,  2017  -  XXXX  Bank stated they would contact the credit bureau and have the hard inquiry removed  XXXX   XXXX ,   XXXX   - Received a letter from  XXXX  Bank stating to give it 45 days to have the inquiry removed Contacted Equifax 4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today,  XXXX   XXXX ,  2017  it has now been 63 days since this happened.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AX ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If you can not provide documentation, you must remove these from my credit report, thank you Sincerely Yours
Complaint sub-issue: Trouble with how payments are handled

They have stated that they are applying payments in accordance with my promissory note, but refuse to give me a copy of any of the documentation. 

On XXXX XXXX, I asked for copies of my signed origination documents, promissory note, terms, etc,. copies of any and all paperwork I have with the company. 

On XXXX XXXX, I received an email ( ref. CID : XXXX ) from XXXX that stated " We have received your request for documents and forwarded them to the correct department for review. These documents will be emailed to the address that we have on file in 1-2 business days. '' It is now XXXX XXXX, 2016. I have not received any documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously notified DISCOVER FINANCIAL SERVICES LLC on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I tried to solve this issue with Equifax in the past. Back on XX/XX/XXXX, they received a notice from me delivered via certified mail in which I reported that this account incurred in fraudulent charges. I also included FTC report attached. As of today they have failed to remove these fraudulent charges from my credit report. This is a violation under the FCRA. Account is the following : XXXX XXXX account # XXXX. Opened date : XX/XX/XXXX. Balance {$0.00}. Status : Closed. 

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act. 

Attached : - FTC Identity Theft Report - Letter sent to Equifax
Complaint sub-issue: Deposits and withdrawals

In XXXX of 2022 I was shopping online for a small personal loan of XXXX, I was approved by a loan company to receive the XXXX I do not remember the loan company name as I applied to a lot of companies and the loan Dicuments seem to have been deleted from my email account I dont believe by me. On XX/XX/2022 I went to take out my rent money and f I und i couldn't get access to my account, I then called Citibank customer service and found out I was the victim of a fraud, 2 fake checks were deposited into my Checking account, both were detected by fraud prevention and no money was taken from the account, the representative informed me that my account was going to be closed for fraudulent activities, I said then I need my rent money and pay check taken out of my account as my rent was due I was informed that I wasn't allowed to have my m I ney until my account was closed in 3 to 5 days and a check mailed to me. I told them I couldn't wait for my money to be sent that my rent was due and my Landlord was strict, they said nothing could be done. After the 4th day I c as lled Citibank Customer Service again and told them I really need my rent money as my landlord was very displeased. Again they said nothing could be done but if I wanted to go into a branch of the bank they we old give me my money, I looked up the closest branch and found it was 5hrs away from me and I do n't drive, so the rep informed me that a check would be mailed in 5 -10 days wich wasn't what I was initially told, I said to the rep that if this kept up I was I uld be facing eviction all they said was I'm a orry can't help after t a t I continued to call and ask for m t money 3 to 4 times a week only to get the same response exc we p r the w a it time for the check went to 30 to 60 days, I told yet another ro that I surely would be evicted this day Citibank refuses to give me my funds that were labeled amicic partners payroll and have now tried to say that I deposited the checks which is a lie and when asked admitted they have no proof of that, I'm still facing eviction today and there has been no resolution
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2022 i summited dispute with all the credit reporting agencies in regards to 3 open accounts on my credit report these accounts don't belong to me and is showing on my credit report. i have sent them information about my account with a ftc report stating that these accounts should be removed. they fail to investigate and remove these account. i have called to try to get this issues resolved but i was hung up on by three different rep and 1 supervisor this is not right I'm a single  mother trying to get a place to stay for me and my child.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax should not be reporting that I am ( 120 ) days late with a current balance on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and therefore there is no payment to be late on. XXXX and XXXX are reporting correctly. This false reporting of a lates is seriously harming my credit score and these line items either need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information. I have contacted the bureau to fix this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the equifax data breach.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account number XXXX. Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Can't close your account

NOTE- '' What type of problem? or " What best describes your problem ''? do not contain the reason for my problem, which is related to my private and personal information. We suggest to include other choices such as " Private Information '' or " Other Problem ''. 


What Happened : On XX/XX/2019 ( Attachment 1 ), we wrote to MsXXXX XXXX XXXX, Citibank CEO-NA, requesting to delete from Citibank records all the information we provided with applications we submitted for a savings and checking accounts. We were never informed of the decision made about our applications and, therefore, had opened a savings account in another bank. 


As the reply from XXXX XXXX of XX/XX/2019 ( Attachment 2 ) did not address our request to delete all our information from Citibank records, and on XX/XX/2019 ( Attachment 3 ) we requested again the removal of our information from their records. On XX/XX/2019 ( Attachment 4 ) we received a reply stating that the information we provided Quote was supplied voluntarily by you to open Citibank Online Savings account and can not be removed. Unquote. We agree that we provided voluntarily the information required to complete the applications to get a savings account. However, the full property of this information is ours and, therefore, it is our prerogative to decide how to dispose of it in line with the legal provisions governing the ownership of personal and private information. 


In view of the above, we are herewith submitting a complaint against Citibank for refusing to comply with our request to delete from their records all our information we provided in applications for savings/checking accounts. In line with the provisions of the CFPB concerning Consumer Protection, which include the right and prerogative of the consumers to protect their information and dispose of it as they see fit, we expect that CFPB will compel Citibank to comply fully with our request. 

Contact in Citibank : XXXX ( CEO CitiBank N.A. )
Complaint sub-issue: Reporting company used your report improperly

Companies did not follow Laws Procedures when it comes to reporting on my credit report history. The Law 15 U.S. Code 1681b- Permissible purposes of consumer reports I have not given permission to the beaurus to show on my credit report some accounts neither they have a court order.
Complaint sub-issue: Account information incorrect

inaccurate information is being reported on my credit report. inaccurate addresses, and accounts.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX my card was fraudulently charged 3 times for a total of over {$3000.00}. When I received a text message fraud alert for one of the charges I immediatly notified my company and reported the other 2 charges. The company closed that account and opened a new card transferring my balance over and assured me it would be handled. The largest of the 3 charges cleared from my account in a few days but the other 2 have subsequently posted to my account as billable charges. I called them a further 4 times in an attempt to get those charges removed and all they did was repeat a script and lie to me telling me each time I would see a credit for them in 3-5 business days. Obviously this has not happened.
Complaint sub-issue: Account status incorrect

I opened an income tax loan in XX/XX/XXXX with XXXX XXXX. When you receive this loan you are required to file your taxes with this company and when they receive your taxes they will deduct the amount of the loan before issuing you your income tax refund. There was n't a deadline for this loan as long as they receive payment during income tax season. I paid this loan in full on XX/XX/XXXX when XXXX XXXX received my taxes. Equifax is reporting this loan is open and the amount past due is {$490.00}. It also shows that I 'm 60-90 days late which is affecting credit tremendously. There was never a due date for the loan. The account is actually paid in full and closed. I have disputed this 3/4 times. I have went to XXXX XXXX and got documentation that the account is closed and paid in full. Equifax refuse to investigate this issue. I never missed a payment on anything and its not fair for me to have it reported on my credit as missed payments.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

My payments are setup weekly, but I make the payments bi-weekly. In XX/XX/XXXX someone tried to steal my auto and because I have this disable device installed. The criminals damaged it and I had to get it replaced. With the older device when I was having trouble making the full payment I could install a code that would get me to my next payday. However, now since the new device has been installed, AutoTrakk is constantly disable my vehicle leaving me stranded along the highways. This past Thursday XX/XX/XXXX I made a payment of {$180.00} to cover the payment that was due. I also have full coverage on the vehicle as well, but because the deductible is suppose to be {$500.00} rather than {$1000.00} AutoTrakk disable my vehicle when was 50 miles from my home. I have had this vehicle almost 4 years and every year this coming is starting to get worst to deal with. After sitting in my car disable for 30 min, I was finally able to drive the vehicle home. I feel this is unfair to me, I pay on the vehicle and I get full coverage on it. So, why am I always having to deal with this company disabling the vehicle every time that feel like it over stupid issues.
Complaint sub-issue: Account information incorrect

Equifax has 5 hard inquiries that I have asked for FAIR CREDIT REPORTING ACT SECTION showing why did these hard inquiries allowed when I had CREDIT FREEZE during the time. Then I wrote about section XXXXand XXXX that shows exactly how the inquiries came through without signature, spelling of name, who they talked to and the list goes on. They need to take all 5 hard inquiries off.

1. Factual Data XX/XX/XXXX. 
2.XXXX XXXX XXXX XX/XX/XXXX. 
3.XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Can't/ tires XX/XX/XXXX All these had credit freeze and XXXX customer service lies. They don't understand XXXX the way we do. They are taught to break the law. They also just hang phone up on you.
Complaint sub-issue: Funds not handled or disbursed as instructed

I contacted Discover Bank on XX/XX/2022 to close my existing XXXX and transfer funds to a new, higher-yield XXXX. The agent said I had to transfer funds to a savings account, and then open a new CD and transfer into that. He helped me set up the savings account and closed the existing CD, with a balance of {$93000.00}. 

A few days later, the funds were still not showing in the savings account, so I called the bank again. The new agent said that I had been misinformed ; IRA funds could not be transferred into a savings account. She helped me set up a new XXXX account that could receive the funds. That account was active as of XX/XX/2022. No funds have been transferred to that account two weeks later, despite multiple phone calls and assurances that the transfer was imminent ( " within one to two business days '' ). Each time I spoke with a different account XXXX : XXXX in Utah, XXXX in Ohio, XXXX a few days ago, then XXXX yesterday and XXXX in Washington XXXX today. All are very kind and apologetic, promising to connect me with a supervisor who can address the matter, only to find that no supervisor is available after somewhat lengthy times spent on hold ( had to hang up after a 45-minute wait one time ). 

It has now been two weeks of empty promises. Yesterday and today I was promised a return call from a supervisor within 24 hours, but yesterday 's 24 hours has elapsed without a call, and I'm not confident that I'll hear from anyone by this time tomorrow. 

I don't know what else I can do to get the funds moved into my account. How can a bank just close an IRA account without having a plan for transferring the funds to another appropriate account?
Complaint sub-issue: Information belongs to someone else

In XXXX. I was checking my XXXX XXXX, as I had been paying off some collections and noticed misinformation on Equifax 's info. 

After trying to file a dispute online in which I was asked questions about loans and/or information that was NOT mine. I called them and proceeded to have the same trouble. They mixed my file with someones of the same name in another state. 

I had finally got it removed after many calls, for it to now appear again in XXXX. 

They are still mixing me up with another person of the same name in another state. I want this straightened out. and the mixed files separated.
Complaint sub-issue: Problem with fees

I have had a Citibank credit card for 20 years and the last month I paid the payment twice in a single month. When I got my next statement I was charged a late fee simply because the second payment didnt fall after their statement date. 
I spoke with them and they acknowledged they see the two payments but refused to remove the charge.

This is simply forcing me as a consumer to fall within the limitations of their technology to recognize I am NOT late and I paid them two payments. You would think logic would play a role here but no, Citibank like the rest of the financial institutions has no regard for customers or common sense. 

I as their customer and an upstanding member of society am now punished for paying too quickly. This is not to mention this will appear as a 30 days late on my credit. This is just plain wrong and dishonest.
Complaint sub-issue: Reporting company used your report improperly

I am asking for you to INVESTIGATE these items. The Fair Credit Reporting Act where it said by law, I have rights to challenge anything I am not sure is accurate.15 U.S.C . Sec. 1681i ( a ) states if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted and I have proof they are not 100 percent right and correct. 

Also, In accordance with the Fair Credit Reporting Act 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 consent.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.- ( PROOF ATTACHED ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

PROOF ATTACHED OF ALL INACCURATE ITEMS. 

XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. U.S. DEPT OF EDXXXX Acct XXXX XXXX XXXX. XXXX XXXX XXXX Acct # XXXX