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

Card Issuer : Citibank I had taken advantage of two low-interest offers ( " XXXX  XXXX '' and " XXXX XXXX '' ) on this card, both of which expired on XXXX XX/XX/XXXX, and moved to my regular " purchases '' balance, which had a higher interest rate, on XXXX XXXX ( amounts of {$2800.00} and {$39.00}, respectively ). On XXXX XX/XX/XXXX, I made a payment of {$3000.00}, which was more than sufficient to cover the balances plus any interest that should have accrued on them in 3 days ( 24.99 % * 3/365 * [ {$2800.00} + {$39.00} ] = {$5.00} in interest ), and which should have been credited toward the highest interest balance portion of my account, the " purchases '' balance. I also had another low-interest balances on this account which had not yet expired ( " XXXX  XXXX '' of 0.99 % until XXXX ). 

Although XXXX  XXXX was not the highest-interest portion of the account on XXXX XXXX, the payment was improperly credited toward that portion of the balance. I noticed on XXXX XXXX that interest was accruing on this card, and found that this had occurred. 

I contacted customer support ( XXXX, XXXX XXXX  PST ) to complain, and spoke to XXXX XXXX He informed me that the amount had not yet moved into my " purchases '' balance, and that that was why the payment was credited to XXXX XXXX. I told him I understood that that was what had happened, but that it was not correct and requested that he fix it. He said that there was not an option to do that. I immediately requested a supervisor, and he got XXXX on the line. 

XXXX explained the same thing, and then offered to put my Purchases balance on 0 % for 6 months. I told her that was inadequate, and that the interest that has accrued needed to be refunded as well. Eventually, she agreed to do that and stated that a credit of $ XXXX would appear on my statement within a few days, and that my purchases balance would be at 0 % until XXXX XX/XX/XXXX. 

This was acceptable to me, and while it resolves this immediate issue, does not resolve the fact that Citibank is systematically doing this, and thereby charging unknown numbers of customers hundreds or thousands of dollars in improper interest charges. 

This was, in fact, at least the second time this issue has occurred to me. Previously, I had a similar situation in which I made the payment on the same day that the low rate expired, which is why I intentionally scheduled this payment 4 days later. ( Citi did eventually resolve that particular issue to my satisfaction, but their system is still clearly set up to charge improper interest. )
Complaint sub-issue: Having problems with customer service

I went to a school who preyed on their students and my legal information was illegally changed without my consent. I have been receiving calls by an unknown company that says I was going to a school that may have violated the law. When I called them back they hang up on me or do n't answer the call. 
XXXX phone number to the unknown company who asked me to call them because my school violated the law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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: Frequent or repeated calls

I am current on all debts however I receive 2-3 calls a day 7 days a week from XXXX and never once a message. I googled a.d found that they are a debt collector and I am not the only one they are harassing constantly. I emailed and asked that they stop calling and send a letter. No response and still calls. I am executor of my mom 's estate and I suspect that may be what they are calling about, but I 've contacted everyone of her creditors already and told them the estate is insolvent. If they want to file a claim there is a way for them to file with probate but they should not me continually calling me.
Complaint sub-issue: Didn't receive enough information to verify debt

Initially I complained of ATG Credit placing a collection on my reports before the allowed 30 days were up, in which I requested a debt validation letter which was mailed to them on XX/XX/XXXX. ATG responded that they didnt receive the debt validation request but that they would get me a copy of the validated debt. This was on XX/XX/XXXX. It is now XX/XX/XXXX and I still dont have any mail from them showing how the debt is in fact valid. Yet, they are back to reporting to the credit bureaus. How am I supposed to be comfortable paying a debt, in which I have NO proof that the debt is actually mine? ATG Credit refuses to mail proof yet they keep causing a ding to my credit score by improperly reporting. This isnt fair and I need to see PROOF of the debt, in which they said they would send. Still nothing, yet my credit scores are suffering due to this.
Complaint sub-issue: Can't use card to make purchases

On Saturday, XX/XX/XXXX, I attempted to make an online purchase. Citi card arbitrarily declined the purchase. They notified me via test message at XXXX Saturday, asking if I made the purchase with a request for a response back in the text. I responded that I did indeed make the purchase and was notified that the card was cleared to make the purchase again. I did so later that night and again the purchase was decline. I called citi card 's XXXX number and spoke to XXXX who was unable or unwilling to assist me and refused to connect me to a supervisor, but instead put me XXXX in the fraud dept. XXXX, also unable to assist did agree to put me through to her supervisor, however this is doubtful as the person I was connected with did not clearly give me her name, and as an apparent retaliatory power move, put me on a 22 min hold of silence, never returning, until she finally pressed a series of approx 5-6 numbers and ended the call. I then connected to Citi online and reached XXXX through the messenger. I explained to XXXX my issue with being unable to make this purchase several times and now having to wait additional days for my much needed purchase to be delivered due to Citi continuing to decline this purchase that I have repeatedly told Citi representatives that I DID make. XXXX assured me that " everything was good '' on Citi 's side " rest assured ''. So today I once again attempted the purchase and once again DECLINED!!!. I called the XXXX number again tonight, twice, and was disconnected because I could not understand the representative 's broken English. I have been an excellent customer since XXXX, always paying my card off and never delinquent. I need assistance in getting this rectified immediately. Thank you
Complaint sub-issue: Account information incorrect

Elan Financial closed my credit card account last year due to non-payment. The account has since been charged off. However, neither XXXX  nor XXXX  have the account closer date listed on my credit reports. Also XXXX  has a closure date of XX/XX/2020, but XXXX lists the date of closure as XX/XX/2020. Furthermore, Elan Financial has continued to report late payments after account closure. I can not possibly have any late payments on a CLOSED account. According to the Fair Credit Reporting Act any inaccuracies and inconsistencies regarding credit card accounts are grounds for mandatory removal of the account from ALL credit bureau agency records. Elan Financial has contributed to me not being able to obtain new credit during this past month. I am requesting {$1000.00} in compensation as well as immediate removal of this credit card account from ALL credit bureaus ' records including XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc. If this account is not removed from ALL credit bureaus ' records, I will seek legal action and further monetary compensation.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Company repeatedly calls through out the day on a cell phone that is registered in my fathers name. I told them months ago to stop calling and they said that its ablegitimate debt the calls will not stop. To top it all off the lady that called today stated who she was with and what it was about before asking to speak to me.
Complaint sub-issue: Account information incorrect

I asked the credit reporting agency, Equifax, to correct this account- XXXX XXXX XXXX XXXX XXXX, because the balance is being reported inaccurately ( {$81000.00} ) even though the account is closed and paid in full. I verified this information with the lender. 

Equifax will not investigate. They have not provided me with any proof or reason why they continue to report a balance on this account, when there is none. Equifax sent me a letter stating that they modified the " closed date '' but they did not. ( see attached document from them ). 

They will not provide me with any proof for reporting a balance on this account, which is closed and paid in full.
Complaint sub-issue: Information belongs to someone else

Equifax is knowingly reporting an account that has been reported as identity theft. 
XXXX XXXX Acct # : XXXX I have sent police reports, notarized statements, identification and social security cards to all three credit reporting agencies. Equifax is the only agency that is refusing to remove the fraudulent account.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received this card through the unemployment of Illinois services key bank has locked the card and lied saying the Illinois Department of unemployment services locked the card Ive spoken to management at the Illinois Department of unemployment services they assured me that they didnt put anything on my account in regards to stopping my payments or locking my card since then Ive been getting the run around from key saying that didnt lock it they are lien and giving me the run around The unemployment department has written notes to management about this the issue is that I need my funds unlocked and that key bank is lien and refusing to unlock them
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, has violated my rights.

15 U.S.C 1681 section 601 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022 my wife  received notice that three wire transfers were being requested from our account and that the total of all three wires were approximately {$30000.00}. I immediately went to the bank where i have banked for XXXX years including my business accounts for XXXX XXXX XXXX and advised them that the wires were fraudulent. Two of the wires were not executed and were able to be cancelled. The third wire for {$9800.00} was executed. We advised that bank that at no time did we ever authorize these transactions. In fact as per Citibanks wire fraud prevention units decision regarding reimbursement to our account, they in fact confirmed this was a scam. With emphasis the day prior to the wire transfer My wife received a call from someone purporting to be from Citibank telling my wife that there was fraud on the account and in fact read to her items that were fraudulently made. They in fact already had her account info, social and date of birth. The citibank representatives from the fraud department which had to be accessed by phone and not directly at the bank were aggressive. The citibank representative stated Citibank never notifies by phone and implied it was our fault. Interestingly at Citibank online they indicate that suspicious activity may warrant a call by phone. ( citibank.comXXXXXXXX specifically states if we notice suspicious activity on your card we may contact you by phone, text or email to confirm you have authorized that purchase. I no way did this fraud have anything to do with us, rather the fraud was as a result of a successful scam resulting from information obtained from Citibank not us. Clearly this was a scam against citibank although it ultimately affected us. It is disgraceful and shocking that a bank whose systems were comprised have not returned this money to us. We have gone online and there is a wealth of information about Citibank Scams.
Complaint sub-issue: Trouble with how payments are handled

Per advice with a consumer credit counseling agency, on XXXX XXXX, XXXX I filed for the consolidation of my federal student loans as well as for XXXX. In XXXX XXXX, I was notified that my monthly payments would be {$30.00}, which was higher than the {$0.00} figure my counselor had estimated, but still found that managable. When I signed into my account on XXXX XXXX, XXXX, I saw that my monthly amount was now listed as {$270.00} and some odd amount of change. I called FedLoan 's XXXX number, and I was told that the {$30.00} figure was prior to my loans being consolidated and that I would have to re-apply for REPAYE. By how the information read on FedLoan 's webpage, they would consolidate first, then apply the income-based repayment plan afterwards. After submitting my re-application and some processing, I got notice on XXXX XXXX, XXXX that my monthly payments would be {$100.00}. While I have experienced a {$1.00} per hour pay raise at the start of the year, my counselor has commented that the amount that has been re-estimated should not be nearly that much. Needless to say, I am not very happy with FedLoan and both my counselor and I will be talking to them very soon.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Was not notified of investigation status or results

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great XXXX and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company Schreiber, Cohen LLC was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, XXXX was included on the bankruptcy petition, and notified. Schreiber Cohen LLC was also notified of this action. The bankruptcy was discharged on XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt  and what do I do? The clerks office told me to contact Schreiber Cohen LLC, XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ Schreiber Cohen LLC. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.
Complaint sub-issue: Personal information incorrect

I have address on my report that does not belong to me. I have never lived at the address stated on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo XXXX XX/XX/XXXX. Never have I lived in Missouri or XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On, XX/XX/XXXX I mailed a certified letter to Equifax, and XXXX XXXX XXXX to investigate the information that is reported on my Equifax and XXXX consumer credit report from the company XXXX XXXX. I paid all payments on time, I was never late. According to my Equifax credit report ( Date of first delinquency report XX/XX/XXXX ) which is inaccurate. Two weeks later an I still have not heard anything from both credit reporting agencies. I tried calling on XX/XX/XXXX an a Equifax customer services representative stated they did not receive a dispute letter from me. When I called XXXX on XX/XX/XXXX ; they stated that I have to wait for a letter in the mail. I also mailed a dispute letter to XXXX XXXX for them to validate and provide proof for what they are reporting on my credit report, and yet I still have not heard or received proof of what is being reported. XXXX XXXX   is report inaccurate information on my credit reports.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Complaint sub-issue: Don't agree with fees charged

I looked at my statement and noticed that the beginning balance is $ XXXX less than the current balance. I called MOHELA to find out why and they said it was due to my forbearances. After 30 minutes of math on the phone we found out that for each month 's forbearance, they are capitalizing 2 months of interest. Not good. This might be a broader problem than just a problem for me, but it is costing me $ XXXX because they are capitalizing double the interest on my account and the accounts of others.
Complaint sub-issue: Account information incorrect

I have a {$15.00} collection on my credit report from XXXX XXXX   regarding XXXX XXXX XXXX, that is erroneous. I have contacted XXXX XXXX, XXXX XXXX, Equifax, XXXX  company. both XXXX XXXX  and XXXX say they show I owe them nothing. I can't get anyone to remove this.
Complaint sub-issue: Debt was result of identity theft

AN ACCOUNT WAS TAKEN OUT IN MY NAME UNDER XXXX XXXX WITHOUT MY CONSENT. I NOTIFIED XXXX XXXX OF THE FRAUD AND THEY CLOSED THE ACCOUNT. XXXX XXXX THEN PLACED A NEGATIVE REMARK ON MY CREDIT AND THE ACCOUNT WAS SENT TO COLLECTIONS. THIS SHOULD HAVE NOT HAPPENED AAS THE ACCOUNT WAS REPORTED AS FRAUD.
Complaint sub-issue: Investigation took more than 30 days

you guys asked me to be specific i added the credit report i also had sent the report certified mail this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. YOU GUYS RESPOSE WAS well over 30 days.you ask that id be more specific on the disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING treated right. Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report which will be attached to this letter with highlighted in yellow to be deleted its been well over 30 days they shall be deleted promptly as stated by federal law. I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me thru out this horrible experience with The credit bureaus you all also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. USPS CERTIFIED MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX  ) 2. # XXXX ( XXXX XXXX ) 3. # XXXX ( EQUIFAX ) Again The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME. I WILL ATTACH A SUMMARY OF ALL THREE CB WHICH I ALSO SENT A REPORT PREVIOULY CERTIFIED MAIL OF INACCUARTE CREDIT REPORTTING OF MY CREDIT REPORT MY IDENTITY WAS ALSO STOLEN LAST YEAR AND IVE HAD NOTHING BUT ISSUES WITH MY CREDIT since then. ALL HIGHLIGHTED AREAS IN CREDIT REPORT NEED DELETED IMMEDIATELY.