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

Citibank closed all three of my accounts starting with my savings account. They sent me this email stating that it will be closed. They said I violated something but Im not exactly what it was. They gave me a number at the bottom of the email that I could call Ive called multiple times and everyone keeps saying the same thing that I have to wait. There is no explanation and then they just hang up the phone, maybe Ill get a letter in 60 days not sure they also say that I might get my money back if I am entitled to it I just have to wait. I have bills that need to be paid that I cant pay because I dont have access to my money they didnt only close my account. They also close my mom 's account with no explanation as well. They close the checking account that I normally get paid in. My boss even paid me on XX/XX/XXXX from XXXX I have proof from XXXX stating that they did not send the money back to XXXX so my boss is out as well. she doesnt have the money and that was on XX/XX/XXXX And today is XX/XX/XXXX and my account was closed on XX/XX/2022. I need help because I need access to my savings. I have two savings account accounts with Citibank and one checking which all have funds in there and I cant access them, and I have bills to pay and I need that money to pay rent. I need that money to pay the light bill and he got money to buy food and put gas in my car to get to work. I cant wait any more days for them I was also told not to go to any branches to get it resolved because I would get the same response that everybody has been giving me over the phone. What is it states in the email that if I wan na get my money sooner I should call or go to a branch but so far they have not
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a letter stating I am pre-selected to apply for a credit card from Citibank, the Citi XXXX XXXX XXXX. The letter says that 8 out of 10 applicants who applied before the deadline of XX/XX/22, have monthly income of at least {$1000.00} in excess of mortgage/rent payment, didn't have a past due Citi card XXXX did not have bankruptcy in the last 7 years, and didn't have a reduction in credit score since the time of the offer, typically would be approved. I do meet all of these criteria, and yet my application was denied. As I recall, this is not the first time that I have been rejected for a pre-selected or pre-approved card offer and gotten rejected. I am aware that the FTC recently pursued action against XXXX XXXX for this very same practice of soliciting applicants who are told they are pre-approved only to deny them and then harm the applicants ' credit. I would hope that similar actions can be taken against Citibank and other such banks as this is a widespread practice in the industry that is harmful to consumers.
Complaint sub-issue: Account information incorrect

I had an auto loan with Ally financial with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay Ally but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and Ally will report the balance as zero, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with Ally is XXXX.
Complaint sub-issue: Trouble with how payments are being handled

I have been waiting over a year for my payment count for PLSF to be reviewed by Fedloan. I applied for a short term forbearance in XX/XX/XXXX and all payments that I made during residency training prior to XX/XX/XXXX were not counted due to a technical error ( wrong date entered ) on the short term forbearance form that was filled out in XX/XX/XXXX. My payment count is off by roughly 20+ per my calculations. 

The forbearance form asked for dates that I was in the training program, which I entered as XX/XX/XXXX-XX/XX/XXXX. I  filled this form out in XX/XX/XXXX so I could forbare for less then 1 year while I transitioned from resident to getting my first job. Fedloan interpreted the forbearance form to mean that I was requesting a " retroactive forbearance '' for the entire time I was in the training program, even though I had been making payments before the forbearance was requested. So the payments that I had already made that were counting towards PLSF were then taken away from me. 

Of note, I resumed making on time payments in XX/XX/XXXX.
Complaint sub-issue: Problem during payment process

I have three credit card accounts with CitiBank. I have made several attempts to make payments beginning in XX/XX/2019. The first two attempts made were to pay my credit cards, in cash, inside the bank branch. The bank refuses to accept cash payments and required me to submit payment in other forms. 31 US code 5103 Legal Tender states " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts ''. I attempted to make a cash payment ( in {$20.00} bills, not coins ) to pay a debt and it was refused. Reluctantly, I went and PURCHASED a money order to make payment. When I arrived at the bank, I was told they could not make payments to my different accounts with 1 money order, the required each account to have a money order to be able to make payment. The bank manager offered to help me by opening an account so I could make a deposit to the account and divide the payments as needed. I opened the account and CitiBank placed a 5-day hold on the money order because it wasn't " cash ''. This later resulted in 3 NSF fees and late payments. The bank advised I could make a cash payment via the ATM with a special pin. I obtained a special pin and was able to make 2 payments since XXXX and no other successful payments subsequently via the atm ; the ATM provides an error code, which the bank says is not their issue to call card services. When I call card services, they say its an ATM issue and to enter the bank. I have been told by customer service over the phone their system shows I am trying to withdraw money, however, that is not the case. If i select deposit " check '' instead of cash, the ATM will function properly. It is only when I try to make a cash payment I receive errors, and now with no resolution for almost 4 months. The bank branch refuses to assist me and redirects me to the card service number because its " not their issue ''. I have been charged late fees and interest that I feel should not be charged as I have made more than reasonable attempts to make payment. I have spent numerous hours on the phone trying to find a solution. The only solution I am given is to pay via online, which I do not wish to do. To add insult to injury, I have received harassing calls regarding the past due status of my account.
Complaint sub-issue: Problem lowering your monthly payments

I am co-signer ( mother ) of loans that was received over the course of my daughter going to school. First off, I don't even know what the name of this company is after reading numerous complaints against them. Is it Sallie Mae or is it XXXX? They have told me numerous times that they are Sallie Mae and do not know who XXXX is? 

We have been trying to talk to Sallie Mae/XXXX for years now and can not get anywhere. My daughters original loans were in the @ amount of {$10000.00}, but now that has doubled because of interest. That is astronomical amount for interest! How can they do this to these young adults trying to make it in this world. I made {$25.00} dollar payments for months and at one point I cancelled but they still was taking {$25.00} taken out of my account without my authorization. I wanted my daughter ( borrower ) to start taking responsibility and make payments herself on this loan. They would not work with her on making an affordable payments, kept calling me first or her grandmother ( who lives in assisted living, battling XXXX, and is a widow ). Months of harrassment is an understatement, and when you try and talk to them, you are told something different everytime you talk to somebody. You are on the phone for hours for nothing. 
One week ago, I thought we finally had come to an agreement for an affordable payment for my daughter to make ( after years of getting no where, but interest still being added ). My daughter was to call back, to set the program up to make regular payments every month. When she called, she was asked how she could make payment every month ( which was worked out from the call a week ago ). She told them that she would re-budget. The person from Sallie Mae told her, that was not going to help making the payment and that they need concrete details and if they do not get them, the program wouldn't be approved. What????? She was approved for this one week ago, now its changed?????? My daughter has a new baby, working full time, trying to make it in this world. How do you call yourself a trusted student loan company???!!???? You are not helping students, you are just stealing money from these young adults and their parents. Trusted loan company is a joke of a statement. More like Fraudulent loan company!! This company should not be in business! Something needs to done with their manipulative and fraudulent actions!!! 

Frustrated, Concerned parent
Complaint sub-issue: Information belongs to someone else

I was checking my credit report because I want to get a new car and wanted to know my chances of getting approved. while checking I notice some items that were still on my credit that I did not approve of. I have reaced out to the FTC and to my local police department. I am doing this all on my own. Again these items are not mine and I need them removed from my credit report.XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

I applied for a {$1000.00} personal loan with my bank to try and establish credit because I supposedly have no credit history according to my banker. I met all the requirements and was denied due to the information provided by XXXX XXXX. I have on numerous occasions contacted them by phone dating back to 2015 stressing to them of how important it is to remove incorrect information from my credit report I faxed police reports to them and updated current addresses and phone numbers. To no avail. I am being discriminated against for being XXXX. I am being singled out due to not being XXXX.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus is required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. I need the following items deleted as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXX/XX/2020
Complaint sub-issue: Information belongs to someone else

I've tried getting help in regards to this account that i didnt open up.
Complaint sub-issue: Debt is not yours

The debt collection agency is name XXXX XXXX XXXX, who also hired another company name XXXX XXXX XXXX XXXX XXXX. The companies are trying to collect money from me for a account with XXXX XXXX XXXX XXXX which I do not have. The collection companies can not and have not provided me with documentation of this account. I contacted XXXX XXXX XXXX XXXXXXXX about this matter, which I am a current customer and have been for awhile and was told I have no past due or a old account with them. The collection company has sent me court papers trying to collect money from bank accounts and other means. They also sent me a thing full of papers asking for copies of private information that I am not going to send them. I have contacted this company a few times about this matter and still yet havent been resolved.
Complaint sub-issue: Investigation took more than 30 days

I HAVE DISPUTED THESE ITEMS WITH ALL 3 BUREAUS AND HAVE NOT RECEIVED ANY RESPONSE OR RESULTS, BY LAWS OF TH FCRA IF THE BUREUAS ARE FOLLOWING THE SAME LAWS AS YOU, THIS SHOULD NOT HAPPEN. PLEASE ASSIST IM ATTACHING, DRIVES LICSENSE UTILITY BILL SSN, AND FTC IDENTITY THEFT REPORT. 


THIS IS CAUSING MY FAMILY SO MUCH FINANCIAL STRESS **************ATTACHED IS A LETTER FOR EACH CREDIT BUREAU******XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, my husband and I sent investigation requests to the credit bureaus. They were supposed to respond within 30 days, but they have not.
Complaint sub-issue: Problem with customer service

I have attempted to contact FedLoan multiple times in the last month to receive a refund of student loan payments I made during the COVID Forbearance while I was also qualified for the PSLF program. I had received no response from FedLoan or any status updates beyond a confirmation of receipt of the email. This is unacceptably slow response time.
Complaint sub-issue: Talked to a third-party about your debt

They called at least five family members on Friday XX/XX/XXXX then again Monday XX/XX/XXXX. They have my address, read my address to everyone they called. They keep calling the same people asking for my place of employment and address.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Personal information incorrect

On XX/XX/2019 I received the results of my investigation from Equifax under confirmation number XXXX. On page 4 of the 42 page report underneath THE RESULTS OF OUR INVESTIGATION, it states that the disputed address of XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX has been deleted. It also states that the inquiry for XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX has been deleted. However, these items are still being reported on my credit profile and underneath my social security number with Equifax.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This complaint is in connection with previously filed complaint ID # XXXX. 

KLARNA of XXXX XXXX XXXXXXXX XXXX, OH XXXX @ XXXX Responded to one 's complaint # XXXX on XX/XX/2022 saying they need more time to investigate. That is perfectly fine as long as all fraudulent collection action is ceases immediately. However KLARNA is still using and threatening use of violence or other criminal means to harm the physical person, reputation, or property of one and is DIRECT VIOLATION of 15 USC 1692d ( 1 ). 

On XX/XX/2022, one received a dunning letter from KLARNA with threats to refer this alleged debt to collections. KLARNA is a debt collector. Send any debt valid or not valid is a DIRECT VIOLATION of one 's federally protected consumer right to PRIVACY under 15 U.S. Code 6802 which declares... 
" ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' One is bering violated under these notions. 

One has not received validation of this debt in accordance with the laws listed in the FDCPA and the FCRA. One and one 's family has been damaged and injured from this failure to perform by KLARNA and one alleges KLARNA has devised a device and mechanism of deceptive and misleading practices. This is ones notice of intent to file suit against KLARNA in US District Court be it KLARNA is in DEFAULT, so be it.
Complaint sub-issue: Problem making or receiving payments

PNC not allowing me to link my account to XXXX app
Complaint sub-issue: Debt was paid

This message is to inform the public of I C Systems collection agency in XXXX XXXX, Minnesota. This company continues to report a paid debt to the credit bureau. The debt was paid in 2017. The debt was addressed with the company in XX/XX/2017 via email correspondence. A receipt of payment has been submitted multiple times over the past 3 years about this debt. Im interested in pursuing legal action again this company.
Complaint sub-issue: Their investigation did not fix an error on your report

first of, I am a member of the military and I have made numerous attempts to get the 3 credit bureaus to fix the inaccuracies on my credit report. The latest is a certifed mail to all 3 bureaus dated on XX/XX/2021. Instead of addressing my FRCA and HIPPA rights as a comsumer, EQUIFAX decided not to investigate and send me the attached letter accusing me of not doing my own credit repair. I am here to tell you and all 3 credit bureaus that I have spent numerous hours researching in order to be a better consumer. I FIX MY OWN CREDIT AND NOONE HAS HELP ME. Please direct EQUIFAX to do its job and to stop Equifax of falsely accusing me of hiring anyone to repair my credit. I have not. See Equifax letter to me calling me a liar. Hopefully I wont need a lawyer with your help in keep these big reporting companies in line.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a XXXX  party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, ENHANCED RECOVERY COMPANY # XXXX. They are in violation of FDCPA 805/806/809. Demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Complaint sub-issue: Their investigation did not fix an error on your report

After filing a former complaint through the CFPB, Equifax closed the dispute and said " There are one or more accounts with a major derogatory event in your credit file '' but when I try to dispute any negative accounts listed on my credit report, there aren't any to dispute. It says on my credit report " there are no negative accounts to display ''