Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

When I try to log onto my account, with Citibank, I am requested to supply the number of an ATM debit card. A card I never received. When I called to report the problem, they ask me for the savings account number linked to this card. I do not have that information, lost ( i.e. email deleted ) as all set up online and paperless. They ask for SSN and my special word attached to the account, but their system also requires the savings account nbr, which I can not supply, so they stop helping. 
I am told to go to a branch. Well Citibank closed all branches in Colorado, and only have branches in a very limited amount of states. Citibank is head quartered in South Dakota. So they have a branch in XXXX XXXX, XXXX miles away from me. 
My other option is mailing their bank division and hope they will reply and help. 

At this time, I can only pay my credit card, over the phone, nor can I add make a credit or debit to my savings account. 
Also if the card was mailed, how do I not know it was stolen, or return to Citibank as they could have used an invalid address. 

If I do not get access to my account, I will be unable to obtain my 1099 needed for my tax return. And with the good interest rate, I am unable to put more money into the account.
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, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX 'S XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED 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: Information belongs to someone else

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Complaint sub-issue: Trouble with how payments are handled

Hello, The company that is servicing my daughter 's student loans is Pennsylvania Higher Education Assistance Agency. My daughter has written to them multiple times to request the extra money that she is paying every month ( {$50.00} ) be applied to the loan with the highest interest rate. Month after month the company has some story about why it can not happen. The extra payment is being spread over all XXXX loans, and the lowest amount of the repayment is being applied to the loan with the highest interest rate. 
Is there anything that can be done about this issue? 
Thank you. 
XXXX XXXX
Complaint sub-issue: Account status

XXXX XXXX agreed to remove collection from file if I paid bill in full. They agreed to report it to all XXXX Credit Reporting Agencies. XXXX and XXXX removed with no issue in 7 days. Equafax refuses stating that they have recieved no such request. However, they lowered my score because I paid debt. I also paid off auto loan and personal loan. XXXX and XXXX both show correctly. Equafax does not. Equafax lowered my credit score for paying both loans off and used excuse that deliequent bill caused problem. I gave Equafax all info including email on XXXX telling them to remove bill. Equafax refuses. This should be illegal to do harm to someones credit for paying off loans and Bills. Also, persons on phone are outsourced to XXXX and had difficulty understanding my issue. Person became angry when I requested they correct their error. 

XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Complaint sub-issue: Other problem

Started with a {$200.00} secure credit card and was told after 8 months of paying on time and responsible use would have my {$200.00} returned and graduate to a unsecured card. Graduated to a unsecured credit card on XX/XX/XXXX and was told by email will receive {$200.00} deposit returned in 5-7 business days. It is now almost a month have reached out 2-3 times and each time been told sorry it's a " glitch '' and don't know when your secure deposit will be returned. Last call was on XXXX XXXX and talked with a XXXX out of the Ohio office and she was very unprofessional towards me even questioning and belittling what I did for employment. Asked to speak with supervisor. Spoke with supervisor named XXXX out of the Ohio office. Never received an apology for the way XXXX spoke to me and got them same response of " I don't know '' when requiring about the return of my secure deposit. Then XXXX hung up on me ending the call
Complaint sub-issue: Information is not mine

I have stuff on my report that does not belong to me, I do not go by XXXX, i go buy XXXX, The Credit Bureaus see the info is not mine but told me to dispute this stuff with you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Macys never resolved the identity theft and fraud for my Macys Amex account. I contacted Citi and they informed me they had never actually received the police reports but i can contact Macys fraud department which knew nothing about what i needed. They stated a new card was sent out. I never used or had a card in my possession for the last 2 years.
Complaint sub-issue: Sued w/o proper notification of suit

ECMC contacted my employer. I had never received any information, telephone call, document, or written correspondence from ECMC. XX/XX/XXXX, the first I heard of them was via my employer. ECMC would not provide me with any documentation, or tell me what I owed, and they made up different names for their customer service people ( the same person referred to himself as XXXX and then XXXX and then joked that he can be whomever he wants ). I looked them up online and utilized their online form ( they would not provide email or fax, and their mailing addresses require you to know what division to write to ) to submit a Cease and Desist. XX/XX/XXXX, ECMC began garnishing my wages through a third-party payroll company, XXXX. They did not contact me, and they did not contact my employer. XXXX did not notify me and will not provide any documentation. XXXX, who is not my employer, but a payroll company, began garnishing the same date they received the notice. ECMC will not produce documents, and XXXX will not produce documents. I live in the State of California ; I am XXXX as a XXXX by XXXX organizations, and I have never heard of something like this happening without any prior notification from anyone. In an online XXXX XXXX " XXXX '' issued by one of the professional organizations to which I belong, it suggests that XXXX notify employees of these actions. I am XXXX, and I was n't notified. In one week, there are more than six hours worth of calls logged to ECMC Internal Collections and ECMC Customer Service. Time and time again, ECMC representatives hang up, play verbal games, claim that the only solution is to start sending them money, and incorrectly state that bankruptcy will not provide a solution. I have no intention of filing for bankruptcy and never will, particularly over something that I do not owe, but I am very annoyed that when you call for one thing, the representatives will waste your time reading information off of a screen that has no relevance to your actual situation. What I wanted and needed was to be notified of this action. Now that it has happened without notification, I want it to cease, and I want to be given actual documents. They claim that the only way to make this stop is to pay them money. I will not pay them money because that would validate something that I do n't even know about. This is XXXX ultimate scam, and I never thought that something like this would be possible in this Country.
Complaint sub-issue: Overdrafts and overdraft fees

I refused an offer for overdraft protection From Comerica Bank. I am getting continuous overdraft fees athat i can not afford to be taken away from me, lest i be out on the street because i can not pay my XXXX rent.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX my credit score adjusted to XXXX, And stayed that way until XX/XX/XXXX, and dropped XXXX points for no reason. There has been no negative activity for that week or even the last month. In addition the information that was reported that week was all positive. A collection had fallen off and balances went down on 2 of my accounts. There is no substantial evidence to support lowering my credit score. I have spoken to Equifax and they did not nor did they try to help me. 
Your system would not let inset the last 4 of my social security number It is XXXX.
Complaint sub-issue: Trouble with how payments are handled

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Complaint sub-issue: Application denied

Citi said I had to go to the credit Goverment and fix the issues?
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX from XXXX is dishonest. We were rate shopping and spoke to XXXX at XXXX to see what rates he could get us. Other lenders just needed general information, income, debt, credit score and they could provide a quote. He says, " I'm going to do a soft credit pull. It won't affect your credit score. '' He didn't even ask my permission and I didn't give him permission. I didn't give him my information it must have pulled it from the information that had on me. We'll my credit score dropped and I got this thick package in the mail for a full XXXX application I never asked for.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.
Complaint sub-issue: Public record information inaccurate

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXto enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Complaint sub-issue: Trouble with how payments are being handled

I am in the Public Service Loan Forgiveness program. I began working in XX/XX/XXXX and immediately filed paper work to have my loans consolidated so I may join the program. Due to multiple errors and delays in processing, I was n't allowed to begin making payments until XX/XX/XXXX. I have tried to remedy this complaint with Fedloans servicing, who is my current loan servicer, however, they wo n't allow my me to make payments for the lost months in this error. My loans were officially dispersed on XX/XX/XXXX.
Furthermore, additional errors were made in my account. In XX/XX/XXXX my payment had tripled incorrectly due to a glitch in Fedloans system which would have sent out notification for me to re-certify my payment plan. Management acknowledged this error, however, I was placed into forbearance even though this issue had not been my fault. Thus I was delayed in making payments for an additional 2 months due to being placed in forbearance. I was even told it would be an administrative forbearance but I have since found out they categorized it as a hardship forbearance. On XX/XX/XXXX, under the guidance of management at Fedloans I had made a payment of XXXX to count toward my PSLF. I have now learned that Fedloans has not even counted this payment as they claim there is no active bill for this month ( as they still considered me on forbearance. ) I have however, verified that a manual override was placed in my account, however, I have still not received credit for this payment.
I would like to be allowed to make payments for the months ofXX/XX/XXXX, XX/XX/XXXX which I was not allowed to due to being placed on forbearance for an issue I did not cause. I would also request the payment I did make inXX/XX/XXXXbe counted toward my PSLF as it was under the guidance and recommendation of Fedloans servicing management that I make that payment. Furthermore, I request to be allowed to make payments for the month of XX/XX/XXXX and XX/XX/XXXX to count towards my PSLF as processing errors which occurred during that time were not my fault.
Thank you for your assistance.
Complaint sub-issue: Funds not received from closed account

I open up a XXXX gold checking account back in the beginning of XX/XX/XXXXI had two check deposits which one of the deposits was my settlement for my attorney for XXXX + the second deposit that I had made into the account was XXXX the check was given by my employee supposedly the XXXX  check got returned back to my employee because of being a bad check so because of this matter citi Bank decides to close my account on XX/XX/XXXXhave to closure of this account till today I 'm not being able to access any my funds and the reason is they do n't have no reason they stayed that I have to wait about 60 days in order for me to have access to my funds, why I have to wait 60 days for no reason of the closure of the account and every time I 'm calling the representatives to the fraud department in going to the bank and nobody is giving me a decent answer I 'm getting run around and trying to understand why am I being held for my money for 60 days, i have XXXX  kids XXXX XXXX and XXXX XXXX XXXX i work hard for my money barely making with that paycheck week by week and the fun that I have in the account that I have to wait for 60 days which has nothing to do beeing my fault which now its going to be hard for me to support my XXXX kids not having access to those funds whoever 's going to read this message try to make things work because there 's no such a thing holding funds for 60 days without having any good reason if that was the case why did you guys end up opening up the account in order to take the customers money give it a bad reason and take their funds and make money off of the customers money for 60 days until the customers is your money you 're taking that money away from my kids and because of this matter somebody 's going to be responsible for the damages if I can not buy any nutrition my XXXX kids or come up with a good reason that you guys holding my money for 60 days cuz my money is making money to your Citibank
Complaint sub-issue: Debt is not yours

When I noticed this account showing up on my credit report I sent a letter to IQ Data International , Inc attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I filed a dispute with the card company on XXXX/XXXX/XXXX. I was told during that recorded call that if I returned the forms required within XXXX business days I would receive provisional credit within that XXXX business days. I called multiple times during that period to ensure that the forms were received. On XXXX/XXXX/XXXX I called and was told that the card would be credited that evening. I never received it. I called again on XXXX/XXXX/XXXX and was disconnected while on hold. I called on XXXX/XXXX/XXXX and was told that the hurricane was causing them to be unable to deal with disputes. I explained that my XXXX business days was long before the hurricane and was told that a level XXXX team would investigate. I called on XXXX/XXXX/XXXX and was told by XXXX XXXX that I could not speak with a supervisor and he would not provide a supervisors name to file a complaint. I could write a letter if I wanted to complain. I explained the issue and was again told the hurricane was the issue even though that was not in XXXX. I explained I read the terms and conditions of the card and it says they will resolve disputes within XXXX business days. If they need more time the cardholder will be given provisional credit within XXXX business days. This is on page XXXX of the terms and conditions. The supervisor that I was unable to speak with said yes, I returned everything and was eligible for credit, but that I do n't understand. The credit does n't need to be given to me within XXXX business days as the document states, I just need to return everything during that time and they will at some point up to XXXX business days later provide credit. That is not what is documented in their terms and conditions, it is n't what I was told by the dispute department or any other customer service representative. I asked again to speak with a supervisor and was told no. The phone number is XXXX. Cardholder services is XXXX XXXX XXXX XXXX FL XXXX. Their fax number is XXXX. The website is XXXX. The card is issued by XXXX XXXX XXXX XXXX and is XXXX branded card.
Complaint sub-issue: Don't agree with the fees charged

To whom it may concern, On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX ( who took over the XXXX XXXX   XXXX XXXX I originally had my loan with ). As per the service specialist rep I spoke with, I made two separate payments XXXX & XXXX, respectively. On XX/XX/XXXX, I received a check from XXXX foe over payment of XXXX, which I promptly deposited into my bank. When XXXX XXXX took over from XXXX I started receiving bills again claiming I still owe money. I tried to contact them but they did not really look into it they just called to let me know I owe the money even after I explained. I tried to contact XXXX and/or XXXX but they are no longer in business. 
I am attaching a photo of the slip that was attached to the check and the cancelled check from the bank.
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX on my equifax.com report there was debt collection which I did not recognize. I disputed this debt with equifax. After investigation they stated it belong to me. I contacted the deb collector who informed me it was for XXXX XXXX in XXXX. I informed them that I have had continual insurance for 20+ years and provided them with my health insurer XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute again with equifax.com and provided equifax with my XXXX XXXX XXXX information. I let them know that I do not belive this debt is mine but if it is then they can bill my health insurance.. The dispute is still showing as PENDING INVESTIGATION today XX/XX/XXXX. I called equifax who informed me that that dispute is CLOSED and they filed a new dispute via phone. Investigation should take no more then 45 days. We are going in a loop with Equifax of filing same dispute in circles.
Complaint sub-issue: Account information incorrect

Citi Card Being reporting with the incorrect limit Not {$8600.00}. 
Correct limit is {$10000.00}