Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

I have a joined checking and savings account with my husband at Citibank. We have had that account since XXXX. We receive our salaries and manage all our finances from that account. Recently, we moved from XXXX  to XXXX, we updated our address with Citibank. But since we have moved to XXXX  we have realized that Citibank does not have any physical branch in Texas and due to that we have been finding it very difficult to make payments or withdraw money or collect cashiers check. We called Citibank yesterday XX/XX/XXXX and told them that we are going to close our account and move our money to XXXX bank that has branches here in Texas. We opened a XXXX checking account and through our Citibank portal we initiated a wire transfer to our XXXX account of {$30000.00}. Because of this, Citibank has decided to retaliate against us and put a complete hold on our checking and savings account, block it where we don't have any access to our money, /salary. We are totally frustrated and stranded as of now. We are in the middle of a house remodeling project and have several contractors we need to pay, but we are not able to pay them as we promised them and this this issue is putting our life at risk because some of these contractors are now angry with us, threatening, thinking that we don ; t want to pay them inentionally. We called Citibank serveral times but they told us there is nothing they can do, that we have to wait for a week because our account is now under investigation. We are asking CFPB to use your good office to come into this case and investigate as the government bureau that regulates banks to make sure that no one vilates or is above the law/ Constituation of the United Sates, because we feel that as citizens our constitutional right has been violated/breached.
Complaint sub-issue: Information belongs to someone else

I've submitted proper documents to XXXX, Equifax and XXXX   showing I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they repsonding. This is impacting my score and life.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name
Complaint sub-issue: Information belongs to someone else

Attention to Equifax. I am a victim of Identity theft. There is a fraudulent collection account that is reporting on my credit report that I need removed expeditiously. I filed an Identity theft report with the federal trade commission which I will upload along with proof of my Identity. I am in the process of renting a property and this has tanked my credit score. It is a defamation of my character. I am urging you to please help me resolve this manner. In order to qualify for a block, Appropriate proof of my Identity which is uploaded. A copy of an identity theft report which is also uploaded. The identification of such information by the consumer which is on the identity theft report. This collection account is not information relating to any transaction of mine. Under section 15 usc 1681c-2, you are required to comply with my request to remove the fraudulent account from my report within 4 days of you receiving my complaint. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have provided all the proof required for the block. Please remove this account ASAP or you're in violation of Federal Law. Thank You for your understanding.
Complaint sub-issue: Problem using a debit or ATM card

i used my pnc bank debit card to make a purchase for XXXX at XXXX. the item i purchased stopped working about a week later. i went back to the store with my receipt and tried to return or exchange it. the store refused and said no returns on open electronics but the policy online says i have 30 days to return an item for an exchange or refund. i contacted pnc bank and was told i was protected for damaged or defective items as long as i can provide proof of purchase and date of purchase. so i filed a dispute and was told that it would take 45 to 90 days for a resolution and within ten days i would be issued a provisional credit pending the outcome of the review i called this morning to check on the status of my case and was told it was denied but refused a reason as to why. i was never able to provide documentation as to my side of the case. i feel that these actions violated my financial due process rights under XXXX XXXX laws and demand an inquiry of this matter and a reversal of this decision
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX 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. My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX  XXXX 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. My legal rights have been violated. I
Complaint sub-issue: Information belongs to someone else

I am filing a complaint against US DEPARTMENT OF EDUCATION with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Complaint sub-issue: Account status incorrect

Lending Club reported negative to my credit report in XXXX of XXXX when my account was settled and paid on XX/XX/XXXX. This is inaccurate and is currently lowering my credit score from being less than 60 days old and blocking me from refinancing my home. They were paid over a year and half ago. They should not continue to report to my credit after settlement.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously filed a complaint about an unauthorized inquiry from XXXX XXXX  and Credco dated XX/XX/XXXX. Their response is as follows : " By way of background, XXXX XXXX  ( XXXX ) acts as a residential mortgage broker. XXXX  originates mortgages and brokers those mortgages primarily to XXXX  as the Lender. XXXX was the lender for the XXXX XXXX XXXX and  XXXX XXXX XXXX loan. Contractually, XXXX also handles many of XXXX  other back office functions, including legal and compliance. Therefore, XXXX will be responding on behalf of all parties. Please be assured, XXXX  and XXXX  take all complaints seriously and appreciates the opportunity to address the consumers concerns. XXXX has previously addressed concerns received from XXXX XXXX and XXXX XXXX under CFPB Complaint ID XXXX and XXXX. As noted in XXXX  prior responses, on or about XX/XX/XXXX, XXXX XXXX and XXXX XXXX attempted to obtain a prequalification through XXXX, but it was clear that their Debt to Income ( DTI ) ratio was too high and their credit scores were too low to obtain either conventional or FHA financing. Nevertheless, XXXX attempted to assist XXXX XXXX and XXXX XXXX to prequalify for a mortgage. XXXX  initially reviewed XXXX XXXX credit profile on XX/XX/XXXX and XXXX XXXX credit profile on XX/XX/XXXX. XXXX  reviewed XXXX XXXX credit profile again on XX/XX/XXXX. The credit pull made on XX/XX/XXXX, had no negative impact on XXXX XXXX credit score as the credit pull was within the 45-day shopping period. XXXX XXXX and XXXX XXXX contacted XXXX  on XX/XX/XXXX, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for XXXX to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized XXXX to review their credit profile, resulting in XXXX pulling a tri-merge credit report that same day. XXXX is unable to remove the credit inquires made on XX/XX/XXXX, as it considered the credit pulls valid pursuant to the authorization provided. XXXX  and XXXX  is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX. For additional questions or concerns, please contact XXXX  at XXXX. '' There are multiple mistakes with this response. First off, this inquiry was obtained WITHOUT my consent. Second, I never contacted XXXX XXXX XXXX and I never authorized any credit pull. Lastly, my fianc did make contact to provide an update on the child support and an update only. At no time was any verbal authorization or any authorization for that matter given to pull a credit report. This is absolutely fraud.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. XXXX {$2000.00} XXXX {$360.00} XXXX {$140.00} XXXX {$860.00}
Complaint sub-issue: Investigation took more than 30 days

I had a fraudulent inquiry on my credit report on XX/XX/XXXX from Discovery- I received the alert from my phone and immediately contacted them that it was fraud and to have it removed. I also have a fraud statement on my credit report. It has been over 60days it has not been deleted- I have contacted both XXXX and Discover and they both tell me to contact the other one. 

Today XX/XX/XXXX I contacted Discovery fraud and spoke to XXXX XXXX she told me to call back tmrw with this ref # XXXX and they can turn it from a hard inquiry to a soft- there shouldnt be any inquiry because I didnt authorize it- I want it removed
Complaint sub-issue: Overdrafts and overdraft fees

XXXX charges that caused overdrafts. To the tune of {$480.00}. The initial XXXX was {$26.00}. No correspondence regarding insufficient funds and/or fees. Next thing you know, PNC steals the {$480.00} from my daughters account while she was overseas. No correspondence. No email, letter, or phone call. My daughter returned to the USA to discover the missing funds. She reported it stolen to the bank. After much research, we found out the bank helped themselves to my daughters money to cover the ridiculous fees my son had been lumped with. Funny, they could n't take {$26.00} out to rectify the situation. 2 months of going into the bank, calling the bank, and waiting I was told that what they do was ok in their book. I think it 's illegal and theft. Worst bank ever
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and there is currently a charged off XXXX XXXX account ( XXXX ) being reported to my Equifax that I did not create. In my most recent dispute, I requested Equifax block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX XXXX XXXX XXXX office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. In my most recent dispute, Equifax even refused to move forward because they are claiming that I have not sent them proper identification. I am using the same information Equifax is reporting on my credit so this is clearly bogus and just a delay tactic to make me have to wait even longer. XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Equifax. XXXX and XXXX do not have this on my report. They deleted all records of this account because it was opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?
Complaint sub-issue: Problem with customer service

On XXXX XXXX, 2022 I made a call to Nelnet regarding a received email that payment was needed on a Income Driven Repayment Plan. I spoke to a Nelnet rep. trainer, XXXX, on XXXX as I did not receive email with new IDRP request regarding loans. XXXX sent over via email with IDRP document request to update my account and information. 

I executed document and try to upload documents to Nelnet 's dashboard in my account. I was able to enter ID and password. I then went to the documents and upload documents drop-down box. I accessed my documents from my computer their " File to Upload '' chosen. I chose from " Document Type '' " IDRP Request '' An error message repeatedly came up blocking my ability to upload requested documents. 

I called Nelnet and spoke to XXXX representative. She could not assist me in the inability to upload detrimental documents that are being request and I willing to give. I told her that devices had been remotely accessed prior and I had to contact FBI. She stated that my web browser was blocking me from uploading docs. I then informed her the XXXX app uploading was downloaded from FBI site. She then informed me that was the problem and to go to a different browser and access a different site. I then informed her that I had no problems with XXXX and if I could speak to her manager or XXXX. She refused. I told her if she could not fix my problem, my honest effort was to report to CFPB. 
XXXX XXXX ( aka. XXXX XXXX
Complaint sub-issue: Unable to open an account

So I have been trying to open a savings account with Citibank for the past 2 months. I used their online, and by phone services because they do not have branches here in Arizona. I can't even begin to explain my frustration with this company. 
The first time I attempted to open an account, I got it funded and when I didn't receive my welcome packet, I called them- several weeks went by and all of a sudden I received a XXXX check from them- which was my funding amount along with a letter saying I didn't respond timely to something they'd requested. No phone calls or emails to follow up, just a flat out rejection of my funds and a return of my check. 

XXXX me, I decided to start over with them and open another account. So I funded it again and monitored my emails like a hawk, hoping not to miss anything. I sent everything as requested, and promptly did so. 

After a few more weeks and still not receiving my welcome packet, I called them again. This time I was told that because I listed my work address as my home address, they were going to close my account. I explained that I only did this because I had had mail stolen at my home, and wanted to make certain nothing was EVER mailed to my home. I also explained that I own my own business and ALL my mail comes here. Did they even listen- saying I couldn't correct this and said my account would have a hold on it, and would be closed and I wouldn't have any access to the fund, for a period of time. 

Now weeks later, my funds are still frozen. They will not open my account, nor will they close it and return my funds. I am in complete limbo. I have wasted countless hours on hold with them and now am at a very high frustration level. Just today, they told me that they would try and expedite things, either to open it, or close it and send me my money back. I told them to please call or email me on the next business day and let me know. They said, we won't notify you, but you must call in and try and get someone here to let you know!!!! VERY DISTURBING!!!!! 

Thanks for listening, and I hope you can let Citi know they need to make some serious changes with how they do business.
Complaint sub-issue: Account information incorrect

I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute XXXX XXXX   XXXX XXXX. The highest balance listed on the account is incorrect. Please delete the account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 2 fraudulent inquiries on my equifax credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022. I did not consent or authorize these inquiries for my personal credit report. I am asking that documentation be provided that I applied for these accounts and if no documentation can be provided that these be deleted from my file immediately so i can not be denied credit in the future.
Complaint sub-issue: Attempted to collect wrong amount

ERC, the collection agency have sent me " an attempt to collect a debt ''. They claim I owe to XXXX which is not true because I always do my payments. It is very annoying.
Complaint sub-issue: Was not notified of investigation status or results

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Complaint sub-issue: Problem with product or service terms changing

Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on one payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the three credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my three credit reporting services, such as XXXX, Equifax, and XXXX. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.
Complaint sub-issue: Problem with fees

I applied for a Citi Bank card because the rewards promised seemed attractive. I was granted the card. However, I did not receive a statement the first month. After a while I became concerned and contacted Citi. They said I owed a balance and a late fee. I paid the balance immediately. I complained about the late fee and explained I was waiting for my first statement. They said I opted for a paperless statement, but I know that is not true. I never choose paperless, especially not for a new account. If I " chose '' paperless it is only because they tricked me. They agreed to waive the penalty, and they did so. However, an interest charge of {$32.00} appeared on my statement. That is more than the late penalty. That is unfair because 1 ) the payment was only a day or two late, and 2 ) I would have paid on time if I had received a statement. I contacted City again and talked to " XXXX. '' She just gave me the runaround, claiming she wanted to help me but had no " authority. '' I think Citi intentionally misleads customers unwittingly into paperless statements because they want to trigger late payments, late fees, and excessive interest. Then they stiff-arm anyone who complains. It is a scam.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting incorrectly to Equifax a credit card account that does not belong to me. The partial account number is XXXX. The credit card account status shows Lost or Stolen Card. ( Please see pages 4 and 5 of the attached credit report. ) I have contacted the XXXX and have requested that they remove this account. This incorrect reporting is harming my credit score.