Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I resigned from XXXX XXXX on XXXX and shredded my XXXX XXXX Credit Card at that time per XXXX HR request. The card had a credit balance of {$1600.00} upon my exit. 

XXXX activity occurred on the account after my employment end date, and I was unaware until I received a letter from Citibank dated XX/XX/2020 regarding a delinquent Citibank Corporate Credit Card and that my charging privileges on the Citibank Corporate Card had been suspended due to non-payment and if payment for delinquent amount was not sent immediately, my account would be permanently closed. 

XXXX, I spoke with Citibank and the representative helped me obtain access to the account, so I could see the post-employment activity. I have had conversations with 4 different Citibank representatives over the month of XXXX. I have also emailed XXXX database administrator CitibankCards_US@INCRearch.com per advice from Citibank to try to resolve the situation and emailed XXXX  Human Resources from the XXXX Website and to reinforce the need to resolve before the account goes to collections, plus late payment fees are a continued risk. 

The account activity that occurred is summarized below : XXXX, My employment end date and credit balance {$1600.00} left on card XXXX, XXXX requested Citibank to send the {$1600.00} credit balance refund to XXXX and the account went to {$0.00} balance. 
XXXX, XXXX requested Citibank send a second {$1600.00} credit balance refund to XXXX and the account went to a debit amount of - {$1600.00}. I was unaware of this activity on the account until I received the Citibank letter on XXXX. 
XXXX Late Payment fee charge of {$41.00} brought the debit balance to {$1700.00} XXXX Late payment fee change of {$41.00} brought the debit balance to {$1700.00} On XXXX, the XXXX Human Resource department forwarded my email to my previous XXXX Department Director and to the XXXX XXXX Credit Card Finance Team. I have not received further correspondence. 
I have been on recorded calls with Citibank, and I asked Citibank why they gave the second draw of {$1600.00} to XXXX when the account was in {$0.00} balance, and they indicated they just give the amount in response to XXXX '' requests. They also acknowledged that they could see these were not charges, but a credit balance on the card. I asked them not to allow any further withdraws to the account. They informed me I am responsible for the account and it will affect my credit in approximately 60 days, so I needed to resolve with XXXX as soon as possible. 

Please advise of my rights as this activity occurred post-employment and by XXXX request without my awareness. Further, Citibank made a duplicate withdrawal of funds at the request of XXXX that created the negative balance on the account and the late fees. 

Thank you for this review of the matter.
Complaint sub-issue: Company closed your account

I was first notified that my XXXX account was closed from one of the  credit bureaus a couple of weeks ago. I was never notified of the closure and assumed it was a mistake. Today ( XX/XX/18 ) I called XXXX and they told me that they didnt send me a letter or email because they didnt know if that was my accurate address or email on file and were protecting me. Which is a complete garbage response because you could easily send an email or letter without revealing any personal information. They justified the closing of my account because it says in their T & Cs that they can close my account after 30 months of inactivity which I have no argument about. My issue is that they didnt notify me and give me the opportunity to use my account. That XXXX card is my oldest account and Im really trying to actively manage and improve my credit score and this doesnt help. They said they cant reinstate the account but I can apply for a new one, which Im absolutely NOT doing, particularly because Im trying to manage said credit score. I understand they have to manage their profitability but not notifying me and then telling me theyre doing me a favor is insidious. All of my account information is correct and up to date by the way - I updated it about 8 months ago when I moved to my new address.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted 3 seperate disputes showing inaccurate information reporting to the three Bureau. This is a direct violation and I have even showed the proof of the actual violation. The company came back and said UPDATED and or VERIFIED. No information was changed and why would you state verified if I'm showing you the inaccuracy on the report. This information is causing me pain and suffering for there willingness to not do the right thing. Please delete the account IMMEDIATELY.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX XXXX XXXX XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXXXXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit score dropped by 60 points and equifax can not explain why.
Complaint sub-issue: Received bad information about your loan

I contacted AES in order to remove my cosigner from my private student loan from XXXX. I was told I was ineligible because I utilized forbearance time in XXXX. I called today in XXXX, after 9 years of on-time payments or approved in-school deferment time, and was told I would never be eligible to remove my cosigner because I utilized forbearance time. I asked how I would have known that information, they said if the forbearance was completed on the phone I would have been verbally told. I asked the representative to see if the scripted language was saved to my account. She told me it was not because I requested it on paper, shows my XXXX old memory. I asked her what could I do now, I made a decision within the year I graduated from college, before I made decent money and was in tough financial situation. I also explained to her I am significantly more stable and I am eligible for a cosigner release for my other loan also being serviced by AES. She went to check with cosigner release department and they said it would have been in my XXXX. Back to my whole concern that this was not made clear to me before I made this decision, no phone call was made to explain my commitment and how my cosigner would never be released from my loan.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

On a letter Dated, XX/XX/2019, Educational Credit Management Corporation failed to identify itself as a creditor or Debt collector and conducted Bad Business Practices by falsely stateing that I must act quickly to avoid my student loan payment from going into default and tha, I have not made a student loan payment in six months. That can not be a fact because my student loans are already in default and, I have a payment plan with the Department of Education because of my disability that is payed every month. Educational Credit Management also falsely stated that it is the guarantor of my federal student loans, and has failed to send me a verification notice of the debt that it is trying to falsely collect and has violated several federal laws by not properly identifying it self as a creditor or debt collector in its letter. and has failed to send me any documentation to prove it is a valid debt.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2. XXXX XXXX
Complaint sub-issue: Application denied

On XX/XX/2022, I went online and applied for a CitiBank XXXX XXXX AAdvantage credit card. Upon the completion of the application, I was denied the extension of credit. The following day I received an email sta

ting why I was denied the extension on credit. The Adverse Action ( 15 U.S. Code 1681m ) Letter. In That letter it stated that the denial resulted from " Your credit bureau report shows that your balance on your open accounts are too high when compared to your credit limit ''. A adverse action is not valid when it comes to an extension of credit. That is DISCRIMINATION ( 15 U.S. Code 1691 ( a ) ( 3 ) ). I in good faith exercised my right under the Equal Credit Opportunity Act. Also an adverse action only applies to employment and insurance, NOT an extension of my own credit. Credit is the right granted ( 15 U.S. Code 1602 ( f ) ) which is the right I exercised in good faith. I granted you the right to extend my credit. I CAN NOT be denied what mines. I provided you my credit card ( SSN ) ( 15 U.S. Code 1602 ( l ) ) on the application, and you ran my credit which resulted in a inquiry on my consumer report. This provides proof that we entered in a consumer credit transaction, however I received no benefits which is unauthorized use ( 15 U.S. Code 1602 ( p ).
Complaint sub-issue: Charged too much interest

I was notified by the credit reporting agency that I was over my credit card limit by {$650.00} and I hadn't used my card. I called because I thought there was fraud on my card. I was told that my deferred interest was added but I was never notified prior to this happening. I immediately paid the interest and was reassured by customer service that it was an error and my credit would be fine. I pulled my XXXX XXXX and XXXX   reports and it all shows that I went over my credit limit by {$610.00} which is incorrect. They are in violation of the FCRA and I want my credit limit and highest balance to show {$3000.00} like it is supposed to not that my highest balance was {$3600.00}.
Complaint sub-issue: Trouble with how payments are handled

This is a follow up in dispute of FedLoan 's practices as described in my previous Complaint # XXXX. On XXXX XXXX, 2017, my dispute explains that althgough Fedloans has agreed to reverse the forbearance they forced onto my loans after I called them out ; they proceeded to implement the same issue- a new forbearance, on XXXX of my loans. 
I do not know why they insist on forcing these forbearance 's on me, especially since all I requested was a re-calculation of my loan payments. 
Why ca n't Fedloans just let me keep paying my bill until they give me my new payment amount? 
I believe that Fedloan Servicing is forcing forbearances on people under the premise of waiting for the calculation of new monthly payment totals. 
I have attached the interest notice that I received in the mail. 
Again- I did not ask for a forbearance.
Complaint sub-issue: Trouble with how payments are being handled

I refinanced my student loans during the CARES AcXXXX. I consolidated my XXXX Loans from my XXXX XXXX XXXX, Great Lakes, with the help of my refinancing lender, XXXX. This refinancing payment was made on XX/XX/2022 for {$28000.00}. With the announcement of the Biden Forgiveness Program ( XXXX XXXX XXXX ), I wanted to see if there was any possible way to get my money refunded even though it was no longer federal and heard from many others who refinanced during the CARES Act that they were able to get their refinancing payment refunded as it states that you will are eligible for a refund on ANY voluntary payments made during the pandemic, I simply needed to contact my servicer. Since I had a XXXX XXXX, I was eligible for {$20000.00}, so I gave Great Lakes a call to request the refund. They said they had to get it approved by the Department of Education and in a couple of weeks I got a call back from Great Lakes saying it was declined because the payments were made by a " 3rd Party. '' The only wording kind of close to what they are saying is that " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. ", but it doesn't state that you won't/ca n't receive the refund, simply that no matter who paid it, if you request it, you will receive it. This shouldn't be an issue as I have personal accounts of many other people who were able to get their federal loans refunded/reinstated even though they refinanced AND my refinancer, XXXX, has said they would be willing to do a group call with Great Lakes to make the request if need be. Both Great Lakes and/or the Department of Education are not providing the services that they say are allowed as I meet all criteria and know many others in identical situations that were given their refund.
Complaint sub-issue: Received bad information about your loan

Please be advised this is my SECOND WRITTEN REQUEST. I filed a report to Sallie Mae through CFPB that I do not have a balance with them! Sallie Mae then reported the loan was taken out with the XXXX XXXX. Thus, I contacted the university, and confirmed I did not out a private student loan during the one year I attended the university. I attached my financial aid award letter to confirm this information below. Sallie Mae is now informing me that I will have a derogatory mark on my credit report for not paying on the loan on XX/XX/XXXX. However, I am submitting additional evidence that I did not take out a loan with Sallie Mae at XXXX XXXX. Sallie Mae is required under the Military Lending Act ( MLA ) and Servicemember Civil Relief Act ( SCRA ) to remove falsification from my credit report concerning ALL credit bureaus. Furthermore, a creditor can not require a covered borrower to submit to arbitration or other onerous legal notice provisions in the case of a dispute. The statutory amendments to the MLA in XXXX granted enforcement authority for the MLAs requirements to the agencies specified in section 108 of TILA. These agencies include the Board of Governors of the Federal Reserve System, the Consumer Financial Protection Bureau ( CFPB ), the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Federal Trade Commission. State regulators also supervise state- chartered institutions for MLA requirements pursuant to authority granted by state law. Implement statutory changes, including provisions related to administrative enforcement and civil liability for MLA violations ( for knowingly violating the MLA, there is potential for criminal penalties ). I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA, MLA, and SCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XX/XX/202XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

The company EQUIFAX included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family. 

I ask that the information about XXXX XXXX XXXX, XXXX be deleted from my credit report. Thank you
Complaint sub-issue: Debt was paid

Debt collector sent letter requesting payment for two year old debt ( XXXX XXXX, XXXX ), owed hospital/E.R., physicians ( {$320.00} ) that was paid, partially by XXXX ( XXXX XXXX ), hospital write off leaving balance {$26.00} paid by patient. NO WAY hospital would have held onto this balance for nearly 2 years. My efforts to obtain the information from collection agency AFS, about who ( name, phone number ) submitted this claim has been non-compliant. They only want my credit card info for collection purposes. I am following the advice of my insurance company who have offered to supply information supporting my claim, as well as hospital records, if needed. I feel the collection agency has illegally obtained outstanding medical records, declined, perhaps, by XXXX.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} Medical XXXX Balance Owed : {$50.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status incorrect

This is the email I sent to US Bank : To Whom It May Concern : I have never been late with any company for payments. When I inquired about getting a lower monthly payment with US Bank, I was forced to miss payments to get into the modified loan. However, you stated the 2 late/missed payments ( In XXXX XXXX ) would be removed from the credit report and you have not done that. My credit score dropped XXXX points and is not raising after you changed it to modified agreement. I need the missed payments removed as you promised. I never would have missed 2 payments if you had not told me to to get into the program. I could have stayed current and not messed up my score.

That should not be on me to absorb those 2 missed payments. Please remove those 2 missed payments from the history of the credit report or I will file a complaint with CFPB. Thanks. 

My account still shows a missed payment. I was fooled and ruined my credit. I should have no missed payments on my history. I missed it on purpose to follow what they told me. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have had a lender try and pull my credit report for three weeks now. Every time they pull it come back with repository system error from Equifax. I have called in over 20 times about this, staying on hold at least two hours each time. I have been refused a supervisor and told it was my fault. I have been hung up on when someone refuses to help. I have also been told they refuse to escalate the situation because nothing is wrong. When I finally got the speciality department they told me they are the problem but would have to call me back in 24-48 hrs. I did not receive one call. When I returned the call to find out why the representative told me nothing is wrong and they refused to escalate the situation. This is the worst customer service I have ever dealt with. I speak to reps giving fake names and refuse to get supervisors each time when they clearly cant fix the issue. One rep lied and said she couldnt pull my file, then when I asked to speak to supervisor she then said she would pull it. I refused. Finally got supervisor after an hour wait and they pulled it but then hung up on me again. This has happened to me before when my file was mixed with someone elses and I had fraud. I tell them that and they act like I dont know what Im talking about. This is for a mortgage and creating issues.