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

In XXXX of XXXX, Citibank made an offer and continues to solicit me for opening a savings account and a checking account. These offers included rewards for balance maintenance. They know me as I have had their credit cards- one for over 33 years and with which I typically spend {$100000.00} per month. I applied for the checking and savings accounts and was approved - the terms said I had 30 days to fund the accounts. I had to try several times to open the accounts as the site was not working properly. They sent the paperwork in the mail but then sent me an email that said : " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. If you'd like to discuss this matter further, please call us at XXXX, Option XXXX, Monday - Friday, XXXX am - XXXXXXXX XXXX and Saturday - Sunday, XXXX am - XXXXXXXX XXXX, '' I called the number and was told that they could not give me any details but a letter would be sent explaining everything. ( the email said to call this number to discuss the matter further ). I letter did come with no explanation of why the accounts were closed. I called again and was told that they could not tell me why the accounts were closed. I called a contact at the Citibank Executive Response Team at ( XXXX at XXXX ). She said she only deals with credit cards but would have her counterpart in the " deposits '' area call me. No one ever did. Citibank continues to solicit me with these account offers with only adds insult to injury. I wonder if there is something in my demographics ( age, location, etc. ) that has them blocking me - a 33 year customer.
Complaint sub-issue: Attempted to/Collected exempt funds

My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative.
Complaint sub-issue: You never received your bill or did not know a payment was due

I entered into a consumer credit transaction with First Progress a few months ago .They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with First Progress using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with First Progress. I am not for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with First Progress. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. First Progress ran my " credit '' received the credit and they want me to pay something back.
Complaint sub-issue: Denied request to lower payments

The company, Flagship Credit Acceptance, has my phone number, address, and has spoken with me within the last 30 days. However, after I told them to cease and desist, they have continued calling my family member. It has happened twice within thirty days.
Complaint sub-issue: Banking errors

I opened up a XXXX XXXX  checking account and funded {$50.00} with my Ally Bank Debit card. Ally Bank processed the transaction as 4 transactions ( credits and debits ). The first transaction was on XX/XX/XXXX and {$50.00} was withdrawn. The second transaction was on XX/XX/XXXX and {$50.00} was credited back. The third transaction was on XX/XX/XXXX and {$50.00} was withdrawn. The fourth transaction was on XX/XX/XXXX and {$100.00} was withdrawn. The net effect is that {$150.00} was withdrawn yet only {$50.00} was transferred to my new XXXXXXXX XXXX checking account. Ally Bank needs to credit my checking account back the difference of {$100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I took out a private student loan with XXXX XXXX XXXX in XXXX of XXXX. As an XXXX-year-old unemployed XXXX  XXXX, they approved me for a private student loan of {$16000.00} with no collateral or co-signer. 

Since I've out of school in XXXX, I've been paying on this loan. I've been through a bankruptcy, I contacted the servicer to see what my options were for lowering my monthly payments or perhaps getting some portion of the balance forgiven. The representative for the servicer was very nice, but she said unfortunately they offer NO repayment options or forgiveness options. I have no one else to contact besides the servicer. XXXX  XXXX XXXX went bankrupt in XXXX. They were able to rid themselves of all their bad debts. I wasn't able to do the same with this loan through my own bankruptcy. 

By the time this loan is paid off in XXXX of XXXX, I will have repayed roughly {$42000.00}. Nearly three times the original balance of the loan.
Complaint sub-issue: Public record information inaccurate

I've been trying to remove inaccurate information off my credit report
Complaint sub-issue: Debt was paid

I PAID XXXX {$270.00} THAT THEY SAID I OWED THEM. IVE NEVER RECEIVED ANYTHING BY ERC TO SAY I HAVE AN ACCOUNT WITH THEM. 

ERC KEEPS REPORTING AN OPEN COLLECTION ACCOUNT FOR {$270.00} EVEN THOUGH IT HAS BEEN PAID TO XXXX. 

THEY KEEP REPORTING ON A NON VERIFIED ACCOUNT. IM NOT GOING TO PAY TWICE FOR THE SAME THING. ITS LIKE THEIR TRYING TO BLACKMAIL ME INTO PAYING TWICE. I ALREADY PAID XXXX AND ERC WANTS MORE
Complaint sub-issue: Personal information incorrect

on XX/XX/2020 i wrote a dispute letter to investigate inaacurate info on my credit report and i haven't recieved a response
Complaint sub-issue: Account status incorrect

I have 2 closed accounts Citi cards and XXXXXXXX XXXX. I got I contact with both of them and they agreed to remove to account if I paid the accounts. I paid them and they still on my report. They was prepaid cards and I haven't received my deposit back yet either.
Complaint sub-issue: Was not notified of investigation status or results

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

Accounts Reason This collection is not my account. 

XXXX XXXX XXXX  This collection is not my account. 

XXXXXXXX XXXX XXXX XXXXXXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Complaint sub-issue: Received bad information about my loan

First I would like to express my appreciation for confronting XXXX XXXX on behalf of service members about changing the interest rate to 6 %. I received a reimbursement check for almost {$10000.00}. 
After receiving my check, I found out I was eligible for the Public Service Loan Forgiveness ( PSLF ) program for military service but I would have to transfer my loan from XXXX to FedLoan Servicing. I submitted the paperwork and transferred my loan. When I called FedLoan about participating, they told me my income was too high for the PSLF and I was not eligible. Not only that, they raised my interest rate to 7.625 % because it was " disbursed '' after I was XXXX which is clearly not the case. The money was disbursed in the XX/XX/1990 when I was in college and not in the military. I feel now they ( 1 ) deceived me to transferring the loan to them, and ( 2 ) illegally increased my interest rate. Had I known I was not eligible and my interest rate would go up, I would have never transferred. Please help fix this like you did with XXXX XXXX. 

FedLoan Servicing XXXX. XXXX XXXX XXXX, PA XXXX Account # : XXXX
Complaint sub-issue: Problem with personal statement of dispute

MY COMPLAINT IS WITH EQUIFAX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XX/XX/XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT
Complaint sub-issue: Debt was paid

Hello we have problems with this company before to the point I got Georgia governors office of consumer affairs involved we had insurance in these periods they never send notification and we only find out after we check our credit this is a practice they do my wife filed a complaint about the same reason they have me on 4 different things on putting in the system as opened on same day 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX
Complaint sub-issue: Debt resulted from identity theft

I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have reached out to CITI multiple times regarding a credit card that was opened without my knowledge. Multiple times I have been told that no card or account exists under my name and social security number on their end. After finally receiving my dispute result from XXXX stating that they received information from CITI confirming the fraudulent account is mine and refusing to remove it, I am left completely frustrated with the lack of communication and effort on both CITI and XXXX to protect my information. No one seems to actually be listening or reading anything I write down for the dispute. The credit card account was opened without my knowledge on XX/XX/2020 with a credit limit of {$7500.00}. The only contact information showing on my report is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX ( XXXX ) XXXX That number leads me no where and I was redirected to CITI customer service multiple times with no one being able to tell me anything. I had to call numerous numbers to even get the identity theft number because it's not even posted on the CITI website. THIS IS NOT MY ACCOUNT. I HAVE NEVER AUTHORIZED IT.
Complaint sub-issue: Investigation took more than 30 days

I have been working on fixing errors in my credit report from XX/XX/2020. I have been having a really had time with the response times from the three major credit bureaus Equifax, XXXX  and XXXX. I have asked for validation for several accounts that are reporting with errors on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have sent a total of 4 letters to each bureau dating XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20 I was under the impression that the bureaus have 30 days to respond it has been 4 months with no response from the bureaus. I would like to resolve this matter as soon as possible.
Complaint sub-issue: Indicated you were committing crime by not paying debt

XXXX is rude and disrespectful. I ask for a balance statement every time I pay for my own records. He always gives an excuse or lie and says he sent it. Today his lie was Texas doesnt allow him to send mail. Then proceeded to overtalk me as usual and then said Why does she always need a letter? I told him not to call me anymore. This is harassment. Then XXXX XXXX XXXX was trying to say i lie and i have been reading that is what he does to everyone
Complaint sub-issue: Billing problem

Purchased a XXXX XXXX XXXX in XXXX of XX/XX/XXXX. My first payment to Ally Financial was {$300.00}. I subsequently made a lump sum payment of {$5000.00} in XX/XX/XXXX which they labeled a payment reversal which I intended to be a " principal payment '' on the loan. They applied this amount to the unpaid balance instead of the principal. My next monthly payment went up to {$310.00} after that for some reason. I never really noticed it until later on in the year that this was happening. Then, starting in XX/XX/XXXXmy payment amount suddenly went down to around {$280.00} a month but the actual amount taken from my checking account was {$350.00}. Again, i never noticed this and did n't ask any questions until i logged in to see what the interest rate was and to possibly refinance this loan with another institution. I started receiving statements that my next payment was {$270.00} and it was n't due untilXX/XX/XXXX. I had been paying {$350.00} for 3 years and had never been billed the {$270.00} as my statement read. Called them and they stated that I was paid up till next XXXX because I was overcharged every payment and, in reality was paying ahead. I never authorized this. I should 've been paying {$270.00} all along. i think my payments actually went up when I made the lump sum payment back when I first bought the car. With me being paid up untilXX/XX/XXXX I figured I would n't need to worry about the loan again until the next payment was due on the date I just indicated. I called to get the payyoff quote and I asked to make sure that I was n't paying finances charges every month until my next scheduled payment in XXXX XXXX. The lady stated that I WOULD be charged finance charges every month up until my next payment and she even quoted me the amount. How outrageous is this. I 'm being charged finance charges again on the amounts i paid up until XXXX XXXX again? I got fed up with them and requested the payoff and that I was going to have another financial institution pay off the loan but I needed ( according the other Financial Institution ) that I needed a document, with Ally 's Letterhead quoting the payoff amount ) She gave me the payoff amount and I gave a fax number where it could be sent. It 's been over a week and have n't received the letter and ( after what I 've been reading in the BBB complaints ) do n't expect to see this payoff document. I 've read some nightmare complaints with the BBB over these people and I can relate to their situation ( s ). I really do n't know whether to wait until my next payment date (XX/XX/XXXX ) and take my chances with the fraudulent finance charges or just pay the loan off today. I would have to come up with the money myself since the Finance Co. I checked into would not approve a loan without the official document from Ally. Note : I have been making monthly payments of {$350.00} since the inception of the loan and my statement clearly shows the monthly amount to be {$280.00}. Hopefully all of this makes some sense. I 'm at odds and have no where to turn. Thank you for the opportunity to submit this complaint.
Complaint sub-issue: Debt was result of identity theft

the company is jefferson capital i do not have any knowledge of this account i don't even know the account number the company is jefferson capital again
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
Complaint sub-issue: Personal information incorrect

I have had nothing but issues with Equifax since I requested a free copy of my credit file. I have been unable to dispute anything online with them, I am told my information doesnt match, which is impossible as XXXX accepts the same information without issue. I was successful sending one dispute online and received an email saying it was ready to be viewed, except Equifax will not allow me access to view the results. Email says I have 30 days to view it, upon trying to do so, I receive a notification saying my information does not match what they had on file. In addition, I removed the credit freeze on this account and yet IT'S STILL THERE.
Complaint sub-issue: Can't use card to make purchases

This complaint is in reference to a previous CFPB complaint ref - XXXX, which was incorrectly closed without any resolution by Citi. 
1. Citi Executive Response Team responded to a previous CFPB complaint on XX/XX/XXXX. In their response, they did not address any of the original issues, and provided incorrect information. They provided the phone number of XXXX XXXX XXXX XXXX, which is in no way linked to their bank or this issue. They also closed the complaint without providing any resolutions. 
2. I called Citi for the 3rd time after receiving the email from the Citi Executive Response Team on XX/XX/XXXX at XXXX PM. The customer service rep, XXXX was highly uncooperative, and failed to even send text messages to verify identity. She was rude and did not attempt to resolve any issues.
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. 

XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX, Account # unknown 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 many 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 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

THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!
Complaint sub-issue: Company closed your account

I applied for a Discover Card and got approved on XX/XX/XXXX. I got approved for {$1500.00}. So I received my card I was using it everything was fine until up until XXXX XXXX, XXXX when they decided to close my account due an ID Verification issue they said it was because of a duplicate social security. On XX/XX/XXXX. XXXX they sent me an email asking for that I sign over the IRS Consent Form 4506-C to them in which I did. I went on the website sent it over to them. 

Then a couple days later on XX/XX/XXXX Discover Corporate Security sends me a letter saying the closed my account. 
I called Discover to get reopened they said they cant and then gave me an excuse of a duplicate social security. They said I had to write to Discover Protection Services based out in XXXX XXXX. 
Name Social letter describing what issues Im having its like dont you know what going on of course they do. They just dont care about ruining peoples credit who are the bottom.
Complaint sub-issue: Account information incorrect

I havent been able to access my credit report, and once I called Equifax to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.