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

I opened an account with Citibank on Saturday the XXXX of XX/XX/2021, the Monday after I went to a branch and deposited my cashiers check which cleared the day after ( Tuesday ) Problems started when I tried wire transferring XXXX from my account on Tuesday, they said it got flagged and I called them with XXXX XXXX relay ( XXXX XXXX and XXXX XXXX ) on the call they asked me to provide a mobile number to receive a verification code, I gave them both my numbers ( XXXX  and XXXX ) they said I couldnt use both numbers, I then asked the guy that would it be sorted out if I went into a branch, he said yes. So I went to the Citibank branch in XXXX XXXX, CA. The lady I met went over my account and made a call ( I couldnt hear what was being said on the call but she kept looking at me disgustingly and then looked at one of her colleague and told her I look creepy maybe because Im XXXX and XXXX know what She said because I can lip read a bit ) After a while she wrote on a note and told me to call the customer service number myself, I wrote a note to tell her I already did and they couldnt verify me but here I am with my STATE ID so why do I need to call a different number when Im already in the branch, she gave me a disgusting look and just stretched the note to me again so I left, the next day, I went to the Citibank branch in XXXX, CA. and told him what was going on, he also made a call and wrote a note saying I should call the number, then he eventually helped me call and they asked the same number verification thing, they couldnt verify with my numbers, then he said they were going to MAIL me a code with instructions, then I told him I wanted to withdraw then I withdrew XXXX, 2 days after that ( Saturday ) I went back to the XXXX branch since I didnt get the code they said I was going to get, he said to wait then I said I wanted to withdraw another XXXX, he said no, that I cant withdraw till I get the code and instructions, now today is Wednesday, Ive still not gotten the code, I called them just now, they tried sending the code to my numbers again, he said it didnt work. That I should call back when I have a different number. Now my money is stuck in Citibank, I can not use online banking and I can still not withdraw my money in branch because of a verification code. I still dont know how that makes any sense.
Complaint sub-issue: Information belongs to someone else

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}
Complaint sub-issue: Their investigation did not fix an error on your report

this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. XXXX bought loan XXXX 2016. also, there was a three month payment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with rewards from credit card

Bank of the West Credit Card- I had the card roughly 8 years. 

1. The card was set to expire in XX/XX/2019. I went into a bank branch to request a new card in XXXX. At the same time, I changed my address. 
2. That day- my current card stopped working because they cancelled it. I was given no notification that this would happen. 
3. The new card was sent to my old address, even though I had changed it. Thus, I didn't get the new card until well into XX/XX/2019. 
4. I tried to activate the card. I spent over an hour on hold and being transferred back and forth before I was told the card was activated. 
5. I went to use the card ... Declined. All of my recurring charges that I set up ... Declined. Bills are late because this card doesn't work. 
6. I called ( XX/XX/19 ) to get a new card and close this one out. Told it would take 5-7 business days unless I paid {$25.00} to expedite the card. I explained I've already waited 2 months to get a working card ... Still would cost me an additional {$25.00} to get the card sooner. So, I cancelled the entire account. 

In all of this time, every time I tried to access my rewards points, I could not because I didn't have a working card. When I cancelled the account completely, the phone rep did not mention the rewards program at all. When I tried that day to access the rewards one last time, i still couldn't log in because the rewards is tied to the card number, not my bank account. 

I contacted the Bank multiple times ( XX/XX/19, XX/XX/19, 1XX/XX/19, and XX/XX/19 ) - they say there is nothing they can do and maintain that the phone rep told me my rewards were forfeit. This is not true. He was very brief and said very little about anything. The bank has not responded to my last two inquiries/complaints.
Complaint sub-issue: Can't get other flexible options for repaying your loan

When I started at the University of XXXX, I let the admissions representative that was helping get started that I had a background issue would it be a problem? She stated no. At this time my degree is in XXXX XXXX/XXXX XXXX. It is a problem I have applied to several places and have been turned down be cause of my background check ( criminal background check ). So I explained this to my loan servicer, which is XXXX. I applied twice, the first time they denied my they stated that XXXX denied me and they had no control over the discussion, and to call XXXX. XXXX referred my back to them. Then they said I filled out the application wrong and I needed to redo lines 9 and 10. So I downloaded another application and re did it. Then I decided to call to check and they said I was denied again because I need the school to say they knew, and to call XXXX because they handle all decision. XXXX said it was not true and to get a supervisor. I do not know who can help me but I am getting the run around from both of these companies and I just do not know what to do.
Complaint sub-issue: Information belongs to someone else

Someone tried to obtain an auto loan without my knowledge nor consent.
Complaint sub-issue: Information belongs to someone else

I filed a FTC report on XX/XX/2021 regarding a fraudulent account popping on my credit from the creditor XXXX XXXX. I disputed it twice with XXXX, XXXX, and Equifax. The account came off on the second attempt. On XX/XX/2021, the account was re-inserted on my credit. This is a violation of the FCRA. The account was deleted because it was considered fraudulent. and then placed back on my credit. I am happy to get my legal team together and litigate XXXX XXXX for debt collection malpractice along with Equifax, XXXX, and XXXX.
Complaint sub-issue: Received bad information about my loan

I started paying my students loans ( total balance $ XXXX-interest rate 7.125 % ) in 2008 upon graduating with a XXXX degree. I have paid {$14000.00} since 2008, with {$10000.00} towards interest and {$3500.00} towards principal balance. My loans were sold a couple times, ending with American Education Services ( AES ) as my most recent loan provider. I have had multiple conversations with AES over the years regarding public service loan forgiveness and Title 1 loan forgiveness. I am employed as a XXXX in an urban district. I was advised MULTIPLE times that I was on track for both loan forgiveness programs, with the AES representatives even stating the number of remaining payments I have left to reach 120 payments for public service loan forgiveness. Come to find out during a recent conversation with AES, that my loans are NOT eligible for forgiveness despite their advisement on multiple occasions that they are eligible. Essentially, they have been collecting my money and putting the majority of it towards interest and claiming I am halfway to forgiveness, only to find out that money is going towards nothing and I need to refinance my loans into a direct loan to be forgiven and need to restart the 120 payments. I feel misled and ill advised by professionals who should be helping me to pay off my student loans, rather than feed their bottom line.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a recent data breach that puts myself and over 143 millions of other consumers at potential risk. I am also extremely disappointed with how Equifax has handled reporting after this breach. Very little has been done to notify the public for nearly a month after the breach was detected. I received no phone calls, e-mail or mail communications from Equifax and instead had to discover it via social media.
Complaint sub-issue: Problem getting your free annual credit report

I was able to get my credit report from both XXXX and XXXX. What I saw was that there was an incorrect address and phone number from both that I was able to dispute online. The experience for both was great. Equifax was an entirely different experience. I tried to create an online dispute with Equifax due to the incorrect address and phone number I saw on the other credit reports. I was unable to do so and told to call in. I tried to call. Their voice response unit ( VRU ) seemed unnecessarily complex and intended to get consumers to give up. I authenticated and was the told they were closed and they hung up on me. I then tried to request my credit report online through Equifax. I again authenticated. I was then told my credit report could not be shared online. Equifax has gone out of their way to prevent me from seeing what information they have on me. It has been my experience they are intentionally preventing me from seeing my credit report. I am sure they will say that I could fill out a paper form and send it in, but that defeats the purpose of authenticating online. For whatever reason, the experience with Equifax is significantly worse than the other bureaus. I wish I could prevent them from having any information about me. Its not fair to me that I have no choice in Equifax collecting information about me and then being unwilling to share my information with me. I have no issue with the other two credit bureaus. Equifax appears to be intentionally preventing me from seeing what information theyve collected on me.

I wish the United States government gave me the ability to control who had access to my information. I would prevent companies from being able to share any of my personal information with Equifax. I had never  thought about this before, but its a shame I have no control over my own information. Why a publicly traded company has access to all my financial data is beyond me. Based on their past security issues, and that they appear to be going out of their way to hide what information about me they have, I feel helpless.
Complaint sub-issue: Problem getting your free annual credit report

According to Equifax, apparently I do not exist. I have an account, but it is no longer recognized. I can not get a credit report from them via XXXX, although I do from the other two agencies. While they have no problem assessing me a credit score, I have a thin file and they refuse to recognize me with their automated system, and I can not contact them otherwise. They ignore all letters. I sent them a letter on XX/XX/XXXX, no response. Another letter on XX/XX/XXXX, also ignored. And a letter requesting a 7 year fraud alert on XX/XX/XXXX. That was responded with a postcard saying they acknowledged the 7 year alert, and I would not have to notify the other two credit reporting companies, which I had already done. They did not respond to any of my complaints about having an account I can not access, that I can not get my credit report, and they have not responded to any prior letters. I am the victim of identify theft, due to a breach of a government server, and the monitoring agency that they assigned me said they have nothing but problems with Equifax. I have credit freezes with XXXX and XXXX, and no problems with them.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

U.S Bank ReliaCard XXXX {$1400.00} {$410.00} XXXX etc ..... 
I noticed unauthorized transactions and transfers in XXXX of XXXX. I filed a disputes no actions resolved fo unauthorized transactions. I have made numerous of complaints concerning the unauthorized transactions no ACTION nothing was resolved! Bad customer service representative dont know anything about ending balances in account CSR have no expectations when asking questions regarding beginning balances and remaining money in accounts, very ridiculous! Missing Funds in two Government prepaid debit card accounts .This has been a ongoing issues with U.S Bank ReliaCard.. etc card holder services XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl XXXX
Complaint sub-issue: Investigation took too long

I have a a unverified accounts from XXXX XXXX & XXXX BAL {$300.00}, XXXX {$260.00}. I had previously disputed this account. I have never done business with these XXXX companies Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Information belongs to someone else

In early XX/XX/2019, I attempted to get new car insurance through XXXX. Everything was fine until they reported that I had two speeding tickets that I had not disclosed. I do not have any tickets, XXXX told me I had to file a complaint with LexisNexis to get the information corrected. Meanwhile I had to pay hundreds of dollars more for my insurance to get it started. I filed the complaint with LexisNexis and they told me it would take a month to get corrected. It was more like almost two months. On XX/XX/XXXX I finally got the " corrected '' report from LexisNexis. They had indeed removed the fraudulent tickets from my record, however they left this other person clearly shown on my report in six places on the report. I called them back to file another complaint, I asked to have this other person completely disassociated with my record. That IS NOT ME! They said it will be another month. I called back mid-March to be told that nothing had happened and they were filing ANOTHER ticket to have this other person removed, and it would be yet another month. I called back over a month later, on XX/XX/2019 to be told that nothing has happened and they wanted to file a third request to have this person removed from my records. I requested to speak to a supervisor because I can not understand why this hasn't happened already with the two previous requests. A discussion with a supervisor takes 1-2 business days, so I am now awaiting that call.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 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 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 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 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 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
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been going through this dispute process with Elan Financial/Ameris Bank for over 2 months. They are not properly handling a payment which was made in error and the amount surely was not authorized. I have sent them proof by fax on 2 different occasions showing that that payment for {$6100.00} was made in error. But, they have an " XXXX '' of a agent ( XXXX ) working on my case, who keeps saying that I rented a piece of equipment, so that somehow makes the charge valid. Even though XXXX herself states that I only possessed the equipment for 14 days, and I provided proof that the rental fee for the equipment was on {$1100.00}. So, I was totally puzzled how she came to the conclusion that a payment made in error was legitimate and should remain on my account. That amount is more than 12 times what I would owe for the rental. I am completely appalled by the lack of customer service by Elan Financial. 

I sent then evidence that that charge was an error as well as myself asking XXXX XXXX, the merchant, to reverse the charge.
Complaint sub-issue: Account status

I have a CA State lien that has been released XXXX XXXX, 2013. 
Ref Number XXXX Contact details XXXX County XXXX XXXX, CA XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXXXXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXXXXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

Credit card account was opened in XXXX of XXXX. My job at the time had me living in another city and my wife was handling all of the bill payments. In late XXXX I discovered that my spouse was not paying the bill for this, which was about the time we began divorce proceedings. In XXXX of XXXX I was able to negotiate an amount with US Bank to settle the account. US Bank then showed the account closed with a balance of {$0.00}. They have not changed the status of the account and continue to show it as " payment after charge off/collection ''.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX allowed someone to use my social security number and they placed an unauthorized credit card in my name on my consumer credit report around XXXX that is in a derogatory status. I notified them on XX/XX/XXXX through CFPB complaint after several attempts to resolve it through them. They responded that it was an error on their behalf and they would remove the account. They did remove the account, but my private personal information had already been accessed by a someone other than me and my credit was ruined. I was denied for other credit products. 

Not only did they not properly validate their applications and NOT protect my privacy, they sold my information to a debt collector AFTER having this understanding with me that this account was not MY account. 

I recently applied for a credit card with XXXX XXXXXXXX and they denied me because they claim I already have a card with them and I do not. This means that they are still reporting that card in their system. This is discrimination because they ruined my credit and they are retaliating against me for reporting their illegal business practices. 

Equifax, XXXX and XXXX are also at fault because they were reporting this information as verified up until XXXX of XXXX ; hence I was getting denied for other credit products. 

My consumer rights have been violated : 15 USC 1681 B 2 A, 15 USC 1681 4, 15 USC 1681 A ( 2 ) B DO NOT REPOND THAT THIS IS NOT ME BECUASE I AM ALSO INCLUSING MY ID. THAT IS A STALL TACTIC THAT YOU USE!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.
Complaint sub-issue: Other problem getting your report or credit score

I have sent several letters to Equifax to update my address to the current one along with proof of the address but the previous address remains. I do not live at that address and wanted to ensure that I receive all my mail from them. I have also disputed negative items on my credit file and Equifax mailed me a letter. The letter stated that my information can not be found but yet they are able to allegedly validate negative information on my file. Upon looking at XXXX XXXX I noticed that several of my negative items were finally removed. I also checked the Equifax credit reporting site as well to ensure that it was accurate. It also shows no negative items. But when I log into the XXXX credit reporting site it lists several negative items. This is conflicting information and I would like a copy of my actual credit report to know what is on there. Each time I dispute I do not receive a copy of the outcome. I am uploading the return letter I received from Equifax and a screenshot of what their site is showing for me on their actual site.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

I have been going back and forth with Equifax on inaccurate reporting on my credit report. They have been updating the assigned date on a alledged collection from XXXX XXXX XXXX everyday for the past 6 weeks that I'm aware of ( maybe longer ). The original creditor is also inaccurate, as well as the status. I called XXXX to see if they had a problem with there system and they say no, the information that they receive comes straight from the Credit Bureaus.