Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fee problem

XXXX XXXX  XXXX, where I hold two checking accounts, charges a {$15.00} fee for excessive transfers. When I opened my accounts, I transferred money BETWEEN these two accounts and learned of these fees the hard way. The bank explained, and refunded them, however the local banker and the phone bankers differed in the amount I was allowed to make ( one said 3, the other said 7 ). Ok so lesson learned, right? 
Apparently they also consider PURCHASES MADE VIA XXXX as the very same kind of " transfer ''! This was not only something unknown to me, but I didnt realize this until they charged me FOUR MORE TIMES - {$15.00} EACH - for what I discovered were my XXXX transactions as I had drastically reduced my transfers after the limit was explained. 
Again - I made TRANSFERS and was charged these fees, then they were refunded. 
I did not know a XXXX purchase/payment was considered the same. Nothing anywhere said that. 
This is the summary, however it has now been three months since Ive requested a refund ( and disconnected my XXXX account from them ) and they are giving me the runaround. This is unacceptable. The last contact was XX/XX/2018 when XXXX XXXX advised she needed special permission to refund the fees. 
Please remember, there was no " bargain '' here - I did not request, nor did I expect any separate service not promised to me by this bank. Their actions would be much more heinous if i were poor - but every bit as wrongful in my case. 
XXXX Note : They also charge {$3.00} a month for paper statements BY DEFAULT for new accounts - and dont give any clear instructions on how to prevent this - I had to go into the branch and be shown where to click a button to stop it - pilfering! )
Complaint sub-issue: Debt is not yours

I had a debt on my credit report from Citibank. After attempts to dispute it with them for many years, I gave up. CITIBANK then randomly sent me a 1099-C cancellation of debt - code G " Decision or policy to discontinue collection. Decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' They sent this 1099-C form to an old employers address. Thankfully my employer had my info to send it to me or else i would not have gotten it. CITIBANK also sent it XXXX months after they had cancelled the debt ( and they sent it past the XX/XX/31 deadline ). With that said, XXXX  is still showing it as a collections account on my credit report. I submitted a dispute and provided the documents showing the debt has been cancelled at the creditors request, and i also showed them that the debt is also XXXX years old, so it should have been removed just on the statute of limitations alone. They came back with dispute results and said that " CITIBANK verified the information as accurate, so no changes were made ''. This legally is supposed to be removed from my credit report. Im not sure why they insist on keeping something on my credit report that not only has the documentation to prove its cancelled/discharged, but if CITIBANK is truly verifying this as an accurate debt, that means theyre actively going against the 1099-C " Cancellation of Debt '' IRS form they sent me , and i will have to let the IRS know that I have reported this as income due to cancellation of debt, but that CITIBANK is not honoring it , as i no longer have any responsibility for the amount owed.
Complaint sub-issue: Account status incorrect

Safe Rent is showing an account for a company known as, " XXXX XXXX XXXX, '' as open and not paid from 2007. The account is closed and is past the statute of limitations and should no longer be reported on any credit report. When trying to rent an apartment, XXXX is attempting to in sense force me to pay them the money from this old debt and because its past the statute of limitations and can not legally sue me for the amount or report in on my XXXX, XXXX, or XXXX reports is using their knowledge of my desire for the new rental apartment to pay them on this old and void collection to pay. Because the apartment complex has to hear form XXXX XXXX that the amount of, {$1800.00} is paid or no longer void will not rent to me. XXXX XXXX knows the amount in question is pass the statute of limitations and attempting to collect on this old collection by not reporting updated information to the, Safe Rent collection bureau or the desired rental i 'm attempting to do business with now is nothing short of blackmail ....
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I setup an income based repayment plan in XXXX. 2017 reducing my monthly payments from {$540.00} to {$120.00}. This made paying my student loans more convenient based on my earnings. 

Three months later, i find that the payments i have been making on this account has only been going to interest payments. I called XXXX and they informed me that the monthly payments always get applied to interest payments first. I graduated with a degree in XXXX XXXX XXXX and i work with amortization and interest capitalization schedules on a daily basis. I have an in depth understanding of how loans work and i am displeased with the deceptive practices by XXXX. 

My issue with XXXX is that they did not provide adequate information to the consumer of the loan when offering to lower their monthly payments. Their pitch to the customer is that you can qualify for reduced income based repayment plans and it will reduce the financial burden of your student loans. I was only provided with the reduced payment amount and nothing else. I was not given any information on how the payments would affect my loan nor was i given an amortization schedule for the new loan payments. 

Customers who qualify for reduced loan payments would gladly choose to have somewhat higher payment amounts if they find out that the reduced payment amount would not be affecting the balance on the loan. Essentially, the income based repayment is just a way for the loan company to make more money in the form of interest payments while the consumer gets no real debt relief. Once the loan gets recapitalized, the customer goes back to square one with respect to the balance of the loan. 

I am a firm believer in personal responsibility and for consumers taking responsibility for their decisions. However, this practice is deceitful and is harmful to student loan borrowers who are already saddled with large amounts of debt. Customers should be provided with new loan terms whenever adjustments are made to existing loans in order for them to make better decisions.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I do not know where to turn. I had a mechanic destroy my vehicle after I paid for him to repair my car. Not only did he do more mechanical damage but he did alot of exterior damage as well. Since I have a loan on this vehicle I have to keep full coverage insurance on my car. My car insurance is refusing to pay the total loss claim because I do not have exact date the damage occurred. This is a total cop out. I have proof of not only the conversation with the shop owner admitting his mechanic cut up my wiring harness and misplaced parts and bolts but I have pictures of when the vehicle was first dropped off as well as the shop owner posing in front of my car for a XXXX XXXX for the XXXX of XXXX XXXX I still owe on the car and I can't pay for a total loss on a car. This is over a {$15000.00} loss and I have been just diagnosed with XXXX XXXX XXXXXXXX XXXX. I do not have a dependable vehicle now because mine was destroyed. This will ruin me financially and I can't seem to find anyone that will help me. I can provide you with all my documentation if needed. I did everything I was supposed to but will be the only one that takes this financial loss. It is amazing you HAVE to have full coverage insurance in order to have a car loan but they can just destroy a person and deny the claim over some bs reason. Please help. My insurance is XXXX. This is especially hard since I was rebuilding my credit and almost had to vehicle paid for.
Complaint sub-issue: Personal information incorrect

XXXX and Equifax have my current address incorrect. The address XXXX XXXX XXXX XXXXXXXX in XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have requested a proper documentation about the items to prove that the unauthorized inquiries are accurate. However, they did not respond to my request on the given specific days. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate these items and it was in dispute within 30 days now. This account is in violation. 


XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Account status incorrect

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I was never late on these account. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # 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: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$6300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8800.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}
Complaint sub-issue: Billing dispute for services

When I recently received my credit bureau report, I am surprised that there is a dispute by borrower posted by CitiMortage. I do not recall that I initiated any dispute with CitiMortgage and I havent received any notice from CitiMortgage about this dispute. Neither when it was posted nor any investigation result from CitiMortgage. Nothing at all. We are applying for mortgage and this dispute is the only hurdle preventing us to get this loan to closing our house. To continue our loan process, I am asking CitiMortgage to send me an email ASAP stating that the CitiMortgage receives my request to resolve this dispute on my bureau profile. My email address is XXXXXXXXXXXX. My loan number with CitiMortgage is XXXX. I called CitiMortgage initially but the customer service declined my request and asked me to wait for the final resolution from their research team. Then I talked with the supervisor who promised to send me an email but I havent seen it yet. This delay could cause us significant financial consequence. We are approaching the timeline stated on our contract to close our house. We are looking for help from CFPB hoping this could be escalated. Thank you very much!
Complaint sub-issue: Confusing or misleading advertising

I co-applied for a {$5000.00} student loan based on the marketing solicitation I received stating adjustable rates starting at 3.99 % and fixed rates starting at 5.99 %. I was offered an adjustable rate at 6.39 % and a fixed rate at 7.74 %. When I asked how rate is determined there was no logical answer. Anytime I have applied for home, equity or auto loans I have received the best rates because of my high credit score.

Discover is unable to tell me how the rate is determined. Don't know how they can advertise a rate and not state what is required to get that rate. In mortgage, equity and auto lending a rate can be explained do to the score a borrower has. To me this is bate and switch. If I don't qualify for the best rate then tell me why.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX  Act XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. XXXX  has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Complaint sub-issue: Their investigation did not fix an error on your report

I've sent out a Copple of letters The Credit bureaus stated XXXX XXXX  : Account # : XXXX, XXXX Account # : XXXXXXXX XXXX : Account # XXXX XXXXXXXX XXXX  : Account # : XXXX, XXXX XXXX  : Account # XXXX, XXXX : Account # : XXXX, XXXX : Account # : XXXX, XXXX XXXX  : Account # : XXXX. 
Was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is grounds for removal. 

They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given this account written permission to furnish this account on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( XXXX, XXXX, Equifax ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I was looking at my credit report on XX/XX/2021 and noticed there was some inquiries i have never authorized which if fraud and I have no knowledge of and never signed anything for any of the following. The ones in question are XXXX/XXXX  Inquiry from XX/XX/2021, XXXX/XXXXInquiry from XX/XX/2021, XXXX XXXX, XXXX  XXXXInquiry from XX/XX/2021 & XXXX , XXXX/XXXXInquiry from XX/XX/2021. I would like these all removed from all credit reports as this was not authorized by me and to my understanding of the fair credit reporting act I have the right to make my credit accurate thank you for your help.
Complaint sub-issue: Received bad information about your loan

Took out 4 separate Citibank Student Loans while in college in XXXX. 
I then entered XXXX XXXX XXXX in XX/XX/XXXX ( ironically due to being laid off by Citibank ). 
While stationed overseas as of XXXX, XXXX, the accounts were transferred to XXXX, XXXX for servicing in XXXX XXXX. During this time, I was also XXXX enrolled in XXXX  classes during the Fall XXXX and Spring XXXX, as well as Fall XXXX. 
I returned to the US in XXXX XXXX and in the Spring XXXX, I came out of student deferment, yet it was unclear to me that Citibank had changed their internal SCRA policy to a maximum of 36 months for military service. This was an extended point of contention between myself and XXXX. 
Later, I XXXX on orders in XX/XX/XXXX, of which I informed Ms. XXXX XXXX of XXXX via email on XXXX XX/XX/XXXX. We had to go back and forth several times as their system would not accept my payment due to programming issues. I submitted it on the XXXX, but by the time the payment actually posted, my account went to collections on XXXX XXXX to XXXX XXXX XXXX XXXX. 
Aside from that, I contend that I invoked my SCRA benefits prior to the account going into collection. I also argue against the charge-off credit reporting by XXXX for these accounts. 
Upon my return in XX/XX/XXXX, I was placed on orders again to Indiana in XX/XX/XXXX. Between my return and now, I contacted both XXXX and XXXX XXXX numerous times on how I can remediate this account given my XXXX  status. Associates stated they would have to get back to me, but no response was provided. 
Then, for some unknown reason, on XXXX XX/XX/XXXX, Citibank recalled my accounts from XXXX XXXX. I called the Citi Assist Help desk on XXXX XX/XX/XXXX, asking why Citi had recalled the account, to which the associated stated XXXX status. If the accounts originated with Citibank, and they are now with Citibank, how are they charged off? I suspect this has to do with my numerous inquiries and XXXX status. 
Associates at both XXXX and XXXX XXXX have been very helpful, yet it is the office at Citibank that is not forthcoming with details. They simply state I owe the entire balance and that the charge off is valid. If it was valid, why did they reclaim it from XXXX XXXX. The already received the tax write off for these monies, but still want to collect on it. Shady. As an ex-Citi internal auditor, I can say this is nothing new. 
While not explicit in the XXXX verbiage, the intent is to provide a degree of protection for single military service members such as myself, who struggle with the constant XXXX and changes in duty stations. My mailing address has changed 10 times in 10 years. So when Citi makes changes to it's policies ( say, due to a XX/XX/XXXX CFPB ruling of Citi bank lending malpractice ), I receive zero notification.
Complaint sub-issue: Their investigation did not fix an error on your report

I believe that an old account I had with XXXX XXXX  and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX - XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX has with each credit reporting agency respectively.
Complaint sub-issue: Problem with personal statement of dispute

Hello, Ive attempted numerous times to have the credit agencies remove this account as information listed by the creditor is not only incorrect but it has affected me mentally and financially. Im not sure why Ive ever shown late, charge off etc but I want this account removed from all 3 credit agencies as requested numerous times. I have a right to have fair and accurate data listed according to FCRA
Complaint sub-issue: Debt is not yours

To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company.

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of {$250.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 
The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiries on my report that i don't recognize or I never authorized.
Complaint sub-issue: Information belongs to someone else

I have attempted to resolve this matter from since XX/XX/2020. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has placed an hard inquiry on my credit report that should not be on my report. I have spoken to both Equifax and XXXX XXXX on multiple occasions about this matter. They both have given me the round around, and willfully neglected to follow through their promises to get the matter resolved and get the item deleted from my account. As per requested by Equifax, I have also sent a notarized affidavit that the item was not my item, and they refuse to follow through with said information. I was told by multiple representatives at XXXX XXXX that they will be communicating with Equifax about said matter, however they have delayed and not reported the inaccuracy of the inquiry as of XX/XX/2020. Equifax is willfully closing my disputes and ignoring any written legal documentation.