Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Charged too much interest

XX/XX/XXXX : Took advantage of a balance transfer offer with 0 % APR terms until XX/XX/XXXX, which consists of approximately {$4500.00} in balances and XXXX in fees. 
XXXX ; Automated payment occurred on the account that I forgot to turn off that was spat out for insufficient funds. The payment was going to apply only to balance transfer amount of XXXX, as no other purchases or transfers occurred on the card since then. 
XXXX ; Automated payment is returned, but is now classified as a standard purchase with 25 % APR. 
XX/XX/XXXX - interest on balance charged of XXXX XX/XX/XXXX - interest on balance charged of XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - interest balance charged of XXXX XX/XX/XXXX - interest balance charged of XXXX XX/XX/XXXX - CC holder, during financial consolidation, realized that interest was charged on the account. CC holder calls the company to rectify this classification of APR balances. The CC company agent assures the holder that a case would be opened and that a favorable resolution seemed possible. Was promised a Communication in 7-10 business days with a resolution, but no incident number created and no email received acknowledging the cal XX/XX/XXXX - No communication since. CC holder calls the company to see if a resolution occurred. CC holder is put through some hoops before the department in charge of balance transfers told me that nothing can be done due to the terms of the agreement and thus the interest payments would stand
Complaint sub-issue: Account information incorrect

XXXX  and Equifax are reporting inaccurate information on my credit file. XXXX Acct # XXXX is reporting lates on XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX. This information is not correct. I have sent documentation showing the information XXXX  and Equifax was reporting incorrectly. XXXX acct was included in my Bankruptcy Docket # XXXX XXXX in XX/XX/XXXX. I have sent more than enough documentation showing proof, and that they are in clear violation of the Bankruptcy Law act. But they have failed to contact me or remove this information. I have attached documentation showing proof of my discharge date.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/19, I went to purchase {$400.00} itune gift cards at XXXX. I used Citibank credit card first, but XXXX said it did not go thru, so I then paid it in cash. But the charge still appears in my account. I then dispute the charge with Citibank and went several times to XXXX  and Citibank to resolve the issue. XXXX showed me their sale list and told me there was no charge against my credit card and gave me a copy of it which I sent to Citibank. After that Citibank still insists on the charge. I was caught between them, one said no charge, the other said a charge exists. So I have to pay twice on the same item? I have tried to resolve it with them 4-5 times but to no avail. There must be a computer system problem on both or either company and also their business practice!
Complaint sub-issue: Problem with customer service

Called XX/XX/XXXX to request refund timeframe that I was told was 60 days. Called several times to follow up and I was told several times that request has been submitted. I called again XX/XX/XXXX way past 60 days only to be told that request wasnt properly submitted and now will need to reset the clock and will take another 90 days.
Complaint sub-issue: Problem with personal statement of dispute

I have had this student loan over 15 years. Never have been forgiven on any student debt when others have. My area has been affected by hurricane Florence in XXXX of XXXX. I almost lost everything. In XXXX of XXXX, i made a {$250.00} and was told i would be given a forbearance. It is XX/XX/XXXX today and they have flagged my account 60 days past due which should not be there as i was told i would be given a forbearance. Im trying to close on a home equity line of credit which will enable my family to get back on their feet and also pay the NC XXXX student loan out. This is the most deceptive treatment i have ever received and nobody their will discuss their mistake which is adversely affecting myself and my family.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XXXX is my loan servicer. They asked me to complete my income based loan repayment certification, and that they would send me a letter updating my loan payment details. I submitted this before the deadline of XX/XX/2019. Now, my payment has doubled without any communication from the company. When I logged onto my account, they had put my loan in the Revised Pay as You Earn, instead of keeping the Income Based Repayment repayment plan even though my spouse and I file separate taxes. When I called the company regarding this change on XX/XX/2019 at XXXX and the large monthly amount due, the first customer service representative said that half of my consolidated loans had been taken off of income-based repayment and put back on the standard repayment plan, in addition to the other half being put on Revised Pay as You Earn. This is very alarming as it means any interest would have been capitalized and added to my loan amount as soon as the Standard Repayment was put into effect. Furthermore, this would make these loans no longer eligible for PSLF program which I am eligible for. The representative then proceeded to put me on hold again for an additional 20 minutes until the phone line closed. I am struggling to get in contact with anyone that can help me.
Complaint sub-issue: Information belongs to someone else

I HAVE DISPUTED WITH XXXX AND EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I DO NOT RECOGNIZE THESE INQUIRES : XXXX AND EQUIFAX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove these items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX the items are UNKNOWN to me. please remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 my wife visited XXXX XXXX to have an MRI done. Sine we have a high deductible insurance plan, she was forced to pay for the service up front, in the amount of {$370.00}. The next day I contacted the insurance company, XXXX XXXX and was told that we should have only been charged {$220.00}, not {$370.00}. I then contacted XXXX XXXX at XXXX on XX/XX/2021 and spoke to a person named XXXX. He pulled up the information and verified that we were overcharged by {$150.00}. I asked when they would refund the overcharge and he could not give me an answer. I then logged in to my credit card at Citi Cards to dispute the transaction. I explained what happened and submitted a copy of the explanation of benefits statement which clearly reflects member responsibility of {$220.00}. Within 2 days I received an e-mail notification from Citi that the dispute has been resolved in favor of the merchant. It seems like they did not even look at the document that I submitted. On XX/XX/2021, I sent a formal dispute letter to Citi advising that I am disputing the overcharge amount of {$150.00}. I have not received any acknowledgement from Citi. It seems that they are ignoring their responsibility to investigate and assist me with the disputed amount
Complaint sub-issue: Their investigation did not fix an error on your report

Ive try several times to fix this issue and to no avail nothing happens. I will disclose the last letter that was sent to the agency. also please be aware that I am the one writing this letter. there is no 3rd party involved. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Complaint sub-issue: Personal information

On Equifax it shows address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived there. It is the home where my ex-wife moved into after our divorce. Please advise. 

Thank you, XXXX XXXX
Complaint sub-issue: Debt was paid

I XXXX XXXX am submitting this complaint on on my behalf there is no this party involved. This complaint is to serve as a second and final notice prior to arbitration of KeyBank failure to acknowledge receipt of my billing error that was sent and delivered to the company on XX/XX/XXXX. 2022 ( Exhibit Attached ). Not only did KeyBank fail to acknowledge my billing error dispute after conducting my own investigation on my most recent consumer report as of XX/XX/2022 I found a numerous amount of inaccuracies and violations of the FCRA. The furnisher Keybank is furnishing inaccurate and incomplete information which is a violation of XXXX XXXX XXXX. This information is inaccurate and I demand the appropriate corrections be made. Failure to respond or resolve this matter in the attached exhibit you will find my pre arbitration demand letter in which I will not hesitate to initiate shall you not comply any farther. The failure to correct the billing error on my account along with the adverse actions taken by the Keybank in which should have been arbitrated if there was ever a dispute amount any amount owed. I have reason to believe and do so believe there are misapplied credits and I have suffered injury due to KeyBank being deceitful about the nature of this transaction my reasons are included in the Exhibit. These events have jeopardized my relationships with other Finacial institutions and I have not been able to obtain housing or any means of credit because of your non compliance.
Complaint sub-issue: Information belongs to someone else

Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted a police report to Equifax for Fraudulent accounts on my credit report, They placed a 7 Year Fraud Alert on my report ... Someone is STILL usuing my information to inquire about obtaining credit, I ca n't stop these fraudulent inquiries with them not providing my correct phone number. My credit has been ran NUMEROUS times. No phone call, to approve request so I could tell the, it 's CLEARLY not me applying for credit. I 'm attaching a list of the Inquiries, all with a 2017 date are Fraudulent and should be removed according to the FCRA guidelines
Complaint sub-issue: Problem using a debit or ATM card

I had previously reported these as fraud : XX/XX/XXXX. XXXX XXXX XXXX. {$1500.00} XX/XX/XXXX XXXX. {$120.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX. XXXX. {$100.00} XX/XX/XXXX. XXXX. {$230.00} XX/XX/XXXX. XXXX XXXX. {$82.00} XX/XX/XXXX. XXXX. {$24.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX. XXXX XXXX {$60.00} XX/XX/XXXX XXXX XXXX {$94.00} XX/XX/XXXX. XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX. {$77.00} XX/XX/XXXX. XXXX XXXX. {$88.00} Total : {$2700.00}
Complaint sub-issue: Account status

This account has been disputed in the past. This account was never late in XXXX. Also, the account balance appears to be updated in XXXX. The account itself was allegedly transferred/sold long before XXXX ( estimated XXXX ).
Complaint sub-issue: Account status incorrect

I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX XXXX and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX XXXX XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

My friend had a charge card through his credit union ( I am a member of the same credit union ) for more than 20 years. Several years ago I began helping him pay his bills and he requested that I become an authorized used of his credit card, a credit card company that partnered with the credit union. Over the years the credit union changed credit card companies several times, and at some point I was changed to co-owner of the account. I don't know when this occurred, and I was not aware of it, and my friend probably didn't notice the change either. This did not cause a problem until last year ( XX/XX/2020 ) when he died. At that time the company started trying to collect the payments from me ; that's when I became aware that I was listed as co-owner and was responsible for the payments. I tried to work with them but they told me that when they made their contract with the credit union I was listed as the account co-owner and that I was legally responsible for the debt. 
I didn't know what else to do, so I started making the payments. It was very difficult as my income is social security and at XXXX  years of age and in poor health, I am unable to work. 
For the past year since his death I have made every payment but I find that I can not continue to make payments of {$110.00} every month. Today when I called the company and asked them to allow smaller payments that I could manage, they referred me to XXXX XXXX XXXX, a financial counseling service. The XXXX XXXX XXXX person told me that I should talk to CFPB. She thought that what happened to me was unfair and that this problem might be solved by this agency.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( Lexis and XXXX XXXX had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why Lexis and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed Lexis and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties Lexis and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Complaint sub-issue: Other problem

This is a formal complaint against CITI CARDS. I had a COSTCO CARD with American Express and CITI CARDS bought all the COSTCO portfolio. When I was with AMEX, everything was on automatic payments. When Citi took over the account, I received a statement from Citi that showed that an auto payment had been proceeded from Citi ( See attached statement ). After this I took off out of state to XXXX for work for a few months, where I kept using my Citi cards. All the while I didnt check my statements, given that I thought the auto pay was still in place. Months, late I receive a XXXX notice from a collection company stating the account was charged off by Citi and I need to pay the account off in full immediately. I just recently sent in my last payment installment to the collection company. I called CITI Cards for several days and spoken to a number of representatives, transferred me from one department to another and was provided with different information. One representative even claimed that I cancelled my account last XX/XX/XXXX 2016. I NEVER CANCELLED MY ACCOUNT. In fact, I was able to use my card last XX/XX/XXXX when I traveled. I was able to confirm that AUTO PAY is active and they took and AUTOMATIC PAYMENT FOR {$220.00} last XX/XX/XXXX 2016. I questioned them, why would my account was sold to collections if AUTO PAY is active and I ALWAYAS, ALWAYS have money in my bank? I have confirmed that they have my correct address and phone number and they said that auto alerts ( for payment reminders, auto payments etc ) were not active. I questioned them why I never received any call, text mail or even email to notify me of anything about the account and why, if they need my bank information, why they did not contact me. They just said that the transition from AMEX to CITI started from XX/XX/XXXX 2016 and took them until XX/XX/XXXX 2016 to complete the transition and they do not have my bank information. I went ahead and asked them again why they did not contact me to get information needed, they could not answer this either. This account should have never gone to collections. I ALWAYS have money in my bank. Ive had several accounts with Citi, loans, car loan, student loan which was ALWAYS paid on time. Even my credit report shows nothing derogatory not until CITI CARDS ruin my score!
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Complaint sub-issue: Need information about my balance/terms

Student loans from XXXX XXXX XXXX XXXX got sold to ERS ( Enterprise Recovery Systems , Inc earlier this year. When that happened, I had already paid off a large chunk of the loans and ERS attempted to collect on the original amount. I then decided to request debt validation from them several times and sent them XXXX debt validation letters to confirm my payment history and agreement. They have ignored these requests several times and continue to make attempts to collect on the original amount of the loans. Please investigate this matter and send me proper validation. Thank you. 


School : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, New York XXXX | ( XXXX ) XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I took this loan to study XXXX XXXX  after I retired from teaching. I needed to have something to do in my retirement. After a year into the program, I realized that I may not b able to repay this loan if I continued with the program. So, I dropped out of the program and started to repay the loan already taken. 
Now, with the loan forgiveness program, I would like the remaining of my loan to be forgiven.
Complaint sub-issue: Reporting company used your report improperly

I Accordance with the Fair Credit Reporting Act CXXXX 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 has violated my rights. 
15 USC 1681 Section 602 A, States I have the right to privacy 15 USC 1682 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.