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

Citibank hold the funds received through a refund from the merchant starting XX/XX/XXXX until XX/XX/2019. 

It was refunded only when I called-in to get it refunded back to me. 

The amount was {$70.00}. 
Credit Card # XXXX The bank is following malpractices and unethical and is trying to usurp the customer 's money.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX of 2020, I received an alert that I had a new hard inquiry on my Equifax credit report. I contacted Equifax to dispute this fact and then contacted XXXX XXXX XXXX, the company that had requested the hard inquiry, to see if any account had been opened using my information. I did not authorize any credit check for an account with XXXX XXXX XXXX in XXXX of 2020. I have no business with XXXX XXXX XXXX. I was able to find out that someone had used my information to try and open an account in XXXX XXXX, New Jersey. I requested that XXXX XXXX XXXX inform Equifax about this error so that it could be resolved as soon as possible. Today is XX/XX/2020 and the error still shows up on my credit report.
Complaint sub-issue: Investigation took more than 30 days

equifax has fail to provide company of my credit history or not accurate information. The creditor i use are not able to access my equifax credit report called several times to get this resolve and nobody seems to know what they are doing. Creditors are pulling fruad alerts or freeze and getting nothing
Complaint sub-issue: Problem with additional products or services purchased with the loan

First, I had an car accident in XX/XX/XXXX, XXXX XXXX XXXX. The car was claimed totaled by my car insurance ( travelers ). I had to sign power of attorney to travelers insurance in which I did. XXXX   XXXX paid their part of the settlement on the XXXX. 

I also had gap insurance XXXX XXXX XXXX. They also paid their part of the settlement. This left a little over XXXX in interested to be paid. I called XXXX credit, the company that hold my car loan, I informed them that all parties have paid their part. I asked, why was my account still showing a balance. I asked about the principal and interest difference. I was told, I still owed the interest even if the balance was paid. I asked about making a smaller payments. I was told in XXXX they were waiting for an extended warranty payment. I could then possibly make smaller payment arrangement afterwards. I called back in XXXX. I was told they just sent out letter in XXXX, requesting for the extended warranty payment. I was told it takes about approximately 6 weeks. My account stills shows no update of a extended warranty payment. 

Meanwhile, the interest is steady going up on the car loan and my credit score has dropped more then 50 points. I am having a hard time resolving this matter and need some help. I assumed interested stopped once principal is paid regardless of how it paid.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Deposits and withdrawals

On XX/XX/21, I opened an Citibank XXXX Savings account and funded {$20000.00} through an ACH. When the money was transferred from XXXX XXXX, I tried to log online with Citibank to verify that they received the funds and I discovered I was locked out of online access. When I contacted Citibank on XX/XX/21, I was transferred to 8 or 9 people and I was told that I was now a multirelational customer ( I have a Citibank credit card for over 30 years ) and that I had to speak with the banking side. I contacted them and was told that my online access wouldn't be back until I received a debit card for the XXXX account which would arrive in 5-7 business days. Meaning that I was locked out of paying my credit card as well. They overnighted me a debit card and I was able to login back in online on XX/XX/21. I could see both my XXXX Savings and my credit card but funds were not available in the savings account. There was a message that stated that I " violated the terms of your account per the client manual '' and that they were automatically closing the account and any other Citi accounts within 60 days and sending a check for any funds belonging to me. 

Citibank provided a phone number on the notice with hours that aren't correct so I couldn't reach anyone at that number. I used a phone number that I had obtained on XX/XX/21 and was not given any answers as to why my account was flagged and was told that I couldn't ask for my money back sooner. That the policy was was it is and that is that. 

Also, in researching how to transfer my money back, Citibank won't allow you to transfer any more than {$10000.00} a day or {$15000.00} in a rolling 30 days and you can never go below {$500.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted a dispute to the credit bureau requesting an investigation into the item listed as a collection on my credit report. I did not receive any updates or response to my request for method of verification. I have sent a follow up to the company as well as called. I am curious to know if XXXX as well as XXXX has deleted this account due to inaccuracies as well as not being able to verify how can Equifax? The representative I talked to on XX/XX/22 name XXXX ID # XXXX stated it is not Equifax job to tell me what methods were used to verify this information and that it is accurate. I am entitled to know the methods this company used to report information against me.
Complaint sub-issue: Personal information incorrect

In Accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. 

These addresses does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX THIS IS NOT AN EMPLOYER THAT IM EMPLOYED AT XXXX XXXX
Complaint sub-issue: Debt is not yours

I closed my internet account with XXXX in XXXX of 2020 in person at a XXXX   store and paid my outstanding balance in full. Three months later, I received a letter from a debt collection agency ( MRS Associates of XXXX XXXX, NJ ) informing me that I owed XXXX  {$50.00}. I had received NO notification, via email, phone, or mail, directly from XXXX  about this debt, which I do not in fact owe. They referred the matter directly to a collections agency, exposing me to harassment and sharing my social security number without my consent.
Complaint sub-issue: Account information incorrect

I have several inquiries that I did not give consent to run my credit. lease remove them from my credit report. I have no knowledge of these inquiries and there is not account attached to them. Equifax is stating that " inquiries are a factual record of file. How are these inquiries factual when I have contacted the creditors and the creditors have no account. Furthermore, they have no knowledge of me doing business with them.
Complaint sub-issue: Didn't receive advertised or promotional terms

Citi Price Rewind program. 
The program is not following its own terms. 
My claim number XXXX was denied with a reason that is absolutely not described. 
When I called on XX/XX/XXXX around XXXX XXXX EST, I was told it was denied because the advertisement is " not available worldwide '' ( quoting the reason passed to me on the phone ). 
I pointed out that the program does not have such restriction, it asks for the following : -- -- -- - The lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. Including special promotions such as XXXX Friday or door buster sales. 
-- -- -- - Therefore, a price available in a store catalog ( XXXX in-store online catalog ) as the one I sent is perfectly acceptable. There is no such exclusion like the reason I received ( " being available worldwide '' ) in the What 's Not Covered section. Anyway, it 's even available worldwide, it 's a public and official retailer website that anyone can use. 

It is not the first time the program does not follow it 's own terms. I recommend CFPB to follow closely claims like mine being denied. Citi is not taking responsibility. I 'm registering this denial also when Citi receives a class action, so I have documentation that Citi had opportunities to fix the situation. 

My claim is valid, the ad is still available at the time of sending this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  price {$59.00} XXXX XXXX XXXX GPS Smartwatch, Regular Fit, XXXX
Complaint sub-issue: Contacted your employer

XXXX XXXX XXXX has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail stating that his name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.
Complaint sub-issue: Reporting company used your report improperly

This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I'm aware of the breach that happened to XXXX  and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX. 
I went into the XXXX XXXX XXXX XXXX. I needed some verification sent to " Equifax ", to verify that I use my original birth name, and that I changed my name due to error of XXXX on original birth certificate. I had to put an " Security Fraud '', and Security Alert '', on all, '' Credit Files '', XXXX, XXXX, and Equifax Credit File '', after finding out about the " Security Breach '' with " Equifax ''. I'm also known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first time I tried to fax over verification to Equifax Dispute Department, The following Documents were required : Social Security Card Drivers License Utility Bill On XX/XX/XXXX. 
All these documents were sent. By Branch Manager : XXXX XXXX, these Legal Documents sending the required information to Equifax, on Friday, XX/XX/XXXX 
However, when I called to follow up on my request to " Lift My Credit Freeze, I was told by Equifax that they needed additional information. 
I was not able to get back to the XXXX  Branch location on the bus, so I went to an different location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN. XXXX Not sure of the Member Services, XXXX Employee Name, because he stated that his location is on XXXX XXXX XXXX XXXX, This XXXX Employee, said he took my " Legal Document, that I received from Probate Court to the copy machine, I explained to him that I spoke to Equifax on XX/XX/, and that I spoke to them again on XX/XX/XXXX. 
Equifax is accepting an fax of " Legal Documents of original name and XXXX correction on original birth certificate, XXXX XXXX XXXX XXXX, The XXXX Employee, came back from copy/fax machine in the XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. He could not find the Legal Document, and that he emailed to his person that was scanned. I asked for an confirmation number that the fax was sent to " Equifax '', I was told that he is not giving me nothing! He can't find the, '' Legal Document Scaned '',, and that it's nothing can be done about it? I asked the XXXX Employee, want happen to the " Legal Document ", that was to be faxed too " Equifax ''!

I can not believe, refuse to accept that once an legal Document, is scanned that it just disappeared, and why would my legal Document go into someone's personal emails?

I'm very concerned, and I Pray that no one has stolen my " Inheritance '', that my Great Grandfather, Grandfather, Father left me has not been stolen!

Your Professional Input in this matter is Greatly Appreciated!

P.S. Not Sure What How This Could Be Happing Over, and Over with these Banks, and Credit Unions? It does not Sound Ethical! 

Thank You, XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

This is a inquiry from Discover financial on XX/XX/2019 Re : XXXX XXXX address XXXX XXXX XXXX, XXXX, VA XXXX I did not make this inquiry
Complaint sub-issue: Information belongs to someone else

Since in the previous responses ( XXXX ) the company did not provide me with the documents that I requested, please draw your attention to my complaint again. 
There are unknown hard inquiries on my credit reports. I requested for the verification of the inquiries and the method of verification. These inqueries belong to the TELETRACK, XX/XX/2020, XX/XX/2020. For the first time no response came in 15 days. The company did not provide the following proof : Permissible Purpose, My written authorization, Proof that I personally initiated these inquiry.
Complaint sub-issue: Don't agree with the fees charged

We began repaying student loans with original balance of {$25000.00} in XXXX of XXXX. Payments were set up on bill pay at {$150.00} per month which was paid on the 15th of every month through current. We received a past due notice of 60 days and immediately called to discover the loan was on a graduated plan where it last increased XX/XX/XXXX and we were not sent notice by mail until now 18 months later. Calls to customer service representative said it was our responsibility to login and monitor the account online ... We also discovered they have been allocating money from the $ XXXX  monthly payments towards late fees since XX/XX/XXXX and we still have late fees due close to {$300.00}. Further, looking at repayment balances after making payments every month for over 6.5 years ... the outstanding loan balance is {$30000.00} due to capitalized interest! We understand if we missed or did not understand the graduated loan step-up in XX/XX/XXXX from {$150.00} to {$170.00} per month, but there are four significant issues that constitute predatory lending : 1. We should have received notice by mail of escalated payment due before XX/XX/XXXX ; 2. We should have been notified by mail of every late fee/ short payment that happened to give us the ability to correct the issue immediately ; 3. We understand amortizing loans and have been paying back the student loan in good faith for 6.5 years which should have reduced the principal balance from the original loan amount. For this we have not received an explanation from Nelnet for the capitalized interest other than to refer us to the promissory note. They have not provided us with a promissory note to review nor do they have online where we can review ; 4. My personal credit score has been impacted for past due loans without notice. I have always paid accounts as due and it is easy to document we thought we were paying as agreed in this case. I have no issue repaying the loan with reasonable interest, but can not comprehend the additional fees and credit damage without contact by mail and compounded further by capitalized interest in excess of {$6000.00}. 

There are significant disconnects with common loan practices at Nelnet and with their communication to clients.
Complaint sub-issue: Account status incorrect

I had a checking account with XXXX XXXX XXXX XXXX that had approximately {$12.00} in it. It was an account I didn't use for much of anything, as I have another bank account that I use regularly. Around the very end of XX/XX/2017 and beginning of XX/XX/2017, while I wasn't even in the country, several unauthorized small charges were attempted multiple times, prompting XXXX to confiscate my {$12.00} and concoct approximately {$300.00} worth of fees. I explained to XXXX  that these charges were not authorized by me and that I wasn't even in the country at the time. Pursuant to XXXX 's instructions, I submitted a dispute form which I still have a copy of. The person handling this dispute with XXXX was very rude in the responses to me, failing to properly adjudicate this matter. XXXX claims I owed them approximately {$300.00}. I would have no problem paying an amount that I actually owe, but XXXX owes me my approximate {$12.00}. XXXX put a derogatory charge off statement on my credit report, which is showing to this day. I have repeatedly attempted to contact XXXX to get this matter resolved, but XXXX has no intention of doing the right thing. That's why I am contacting the CFPB, as I hope to avoid having to travel to XXXX, NC, for a court date, but my next step if this can't be resolved is to take XXXX to court.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

I have reached out and disputed inaccurate information that is reporting on my credit report with XXXX for the last 6 months, a bankruptcy. 

I have reached out to XXXX via telephone on multiple occasions to get this resolved with no success. 

Every representative at XXXX, XXXX website, and LexisNexis website says they receive Bankruptcy information from LexisNexis. 

I have received documents from LexisNexis regarding this bankruptcy that XXXX has reported. This Bankruptcy is not reporting on my LexisNexis and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an XXXX representative, they mentioned the information is coming from LexisNexis. I have also reached out to LexisNexis and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and LexisNexis. I have supplied these documents multiple times to XXXX. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, XXXX sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against XXXX XXXX LexisNexis due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if XXXX does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents XXXX has been requesting to remove this and I attached LexisNexis website as well.
Complaint sub-issue: Reporting company used your report improperly

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX
Complaint sub-issue: Debt is not yours

I entered a consumer credit transaction with DISCOVER BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that DISCOVER BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. DISCOVER BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.