Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

On XX/XX/2021 I submitted a request to withdraw my funds from my rollover IRA ( money saved while working in the US ) and close my account at Citibank Banking, I now live and work in the XXXX. I called a month later and was told the process should have taken 2 weeks, so the customer service representative escalated my request. I received no email, call or letter for another 2 months, and since my calls were being disconnect while being on hold every time I was trying to call, I gave up and wrote by post, highlighting my urgent need for these funds. 
On XX/XX/XXXX, I received a letter acting to resubmit one of the form, I did so the same day. I called on XX/XX/XXXX, and was told the form had been acknowledged as received on XX/XX/XXXX. I called 3 weeks later, as I had still not had the funds transfer. As no movement or information on file, the customer rep, escalated again. Each time I reconfirmed my phone and email address to help with communication, but I still did not receive information. On XX/XX/XXXX, I called again, spoke with a manager said this was in the hand of the tax group which I can contact directly, and he would not transfer. I clearly stated I was complaining and would escalated if not informed in a timely fashion. As of XX/XX/XXXX, I have : - Not received my funds - Not being asked for information - Not being informed of the status of my request or when I could expect my funds - Not been provided with a complaint number. 

As no longer have an current account with them, ATM or credit card, I can not use the online portal, and feel they are treating like garbage. When they wanted information from me for other purposes, funnily enough they remember to email me using their usual secure email, but to answer my questions they can't. 
Please help me. I'm just trying to get my money back I trusted them with and work very hard to put aside. After the 100s of millions of dollars they overpaid to a corporate client, I feel cheated for a few {$1000.00}.
Complaint sub-issue: Debt was paid

I made the following payments on XX/XX/2020 to this XXXX XXXX, a debt collector and it is referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; These accounts have been paid and to date Equifax and XXXX XXXX are still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Equifax received on XX/XX/2020 and a letter to XXXX XXXX received on XX/XX/2020 they still have not reflected the payment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by Equifax and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give Equifax, XXXX nor XXXX, written permission to furnish these accounts. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with the fees charged

I received a letter from MyFedLoan on XX/XX/2019 telling me my deferment period was about to end and I would have my interest capitalized if "you do not make a payment to satisfy the full amount prior to the Anticipated Capitalization Date."  The total came out to $XXXX. I called MyFedLoan and ask to speak to a representative to clear up if there was a specific way to pay my owed interest so that it was applied to only my owed interest since I did not see a different way to apply the payment online. She confirmed that I would make the payment regularly as I would make any payment and because I was in deferment, the full payment would go towards my interest and cover it entirely. I also explained that I would be paying in ahead of time in order to give the payment adequate time to process. She agreed that was a good idea. I proceeded to make a XXXX ($XXXX  over) on the XX/XX/XXXX, 5 days ahead of the due date in order to avoid issues with the payment not processing in time and having the interest capitalized. Although I followed the directions on the letter and by the representative exactly, I was penalized for paying 5 days early and charged interested which capitalized to almost $200. I was not notified about the increase in my account balance although I paid the total amount that I owed and continued to make on time payments. MyFedLoan gave misleading and just down-right wrong directions out to its customers and then is still sneakily charging them when the make the full requested payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. Equifax credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, Equifax had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last XXXX of SS # is XXXX.
Complaint sub-issue: Information belongs to someone else

This is the second time I have a complaint about this account XXXX  XXXX  XXXX  # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$73000.00XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Bankruptcy XXXX Dismissed XXXXr XXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed
Complaint sub-issue: Their investigation did not fix an error on your report

Investigation did not fix error.
Complaint sub-issue: Funds not handled or disbursed as instructed

I saw that there was a large withdrawal made from my Citibank savings account to a XXXX XXXX account. I do not have an account with XXXX XXXX. I called Citibank on Wednesday, XX/XX/XXXX to file a complaint and they said they would start an investigation. There has been a credit in my account for the amount withdrawn and I am waiting on the pending results of the investigation.
Complaint sub-issue: Problem getting your free annual credit report

Requested my 3 credit reports through the web page XXXX XXXX XXXX   Online, but EQUIFAX after responding all the correct questions, they denied it to provide my credit report online.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX my family booked a vacation on my citi card with XXXX / after arriving at the destination it was not as described and infested with roaches. We called XXXX XXXX  several times, they did not answer. We took our toddlers and fled the property. We then contacted Citi because XXXX wouldnt acknowledge us and we left well before our pre paid stay was over due to uninhabitable conditions. Citi card never asked me for further proof ( I have photos, screen shots and endless proof that citi could have had had they asked ). Citi maintains they heard back from the merchant ( XXXX ) closed it and ruled in their favor- without so much as reaching out and asking us for more info. This was a $ XXXX issue. Citibank is consistently handling things like this. I have the proof we are in the right, citi never reaches out and asks- they always side with the merchant.
Complaint sub-issue: Talked to a third-party about your debt

On Tuesday XX/XX/2021 FMA ALLIANCE called someone in error from XXXX at XXXX XXXX  -the agent name was taken as XXXX XXXX XXXX 
The Individual that received the phone call asked who they were and what the call was in reference to, at which point the agent immediately told the individual who the alleged original creditor was, and that this was an attempt to collect an alleged debt. ( For XXXX XXXX ) The individual then clearly informed the agent that they had the wrong person, and that they had no knowledge of this matter or the person they were looking for. At this point, the agent got upset and belligerent and insisted OK well if youre NOT that person let me verify the name address and phone number we have on file and proceeded to rattle off my full name, phone number, my date of birth and my address to a completed stranger that clearly identified themselves as not being the person they were calling for. 
The individual then interrupted the agent saying hold on hold on hold on, what did you say your name was? And what did you say the company youre calling from is? 
The agent replied I already told you. The individual asked the agent to repeat her name which she did but she refused to restate the name of the company while belligerently interrupting the individual insisting no I already told you know I dont have to tell you that again and So youre not this person? why do you want to know the name of the company? Over and over not allowing the individual to be clearly heard while the individual replied to the agent stating Im pretty sure that by law you have to tell me what company youre calling from, Plus you just gave me a random persons personal identifiable information illegally so yes tell me what company youre calling from and your name at which point the agent hung up. The individual then called me at the number that they provided her, she told me what happened and apologize profusely saying that I needed to report this to someone.
Complaint sub-issue: Trouble with how payments are handled

On Tuesday ( XXXX ) around XXXX, I called XXXXGreatLakes to arrange a payment to pay XXXX of my Stafford loans IN FULL. The customer service rep gave me an amount and then took my card info so that the payment could be processed. To my surprise, I checked my online account info and found that this payment amount was not directed to the XXXX loans that I requested, but it was also spread onto my other XXXX loans. My account says that it is paid ahead by over a year, however, my request was to completely pay off XXXX loans, while not touching the others. This request was made well before the monthly due date so there is no reason to apply any type of payment to the other loans, especially considering the payment applied to the other loans included both interest and principle. Whether the payment being applied this way was due to error or due to policy, it is completely unacceptable and the customer service rep acknowledged my intent to completely pay XXXX specific loans ( XXXX with the highest interest rate ) and failed to follow through properly.
Complaint sub-issue: Their investigation did not fix an error on your report

BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE 1099C AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX  XXXX, XXXX XXXX XXXX, In ( Revolving  ) Accounts - negative accounts - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 5 % 5 % 5 %
Complaint sub-issue: Their investigation did not fix an error on your report

I was involved in an auto accident. 

Someone, not me, called an ambulance that I did not need or want. 

I received a bill that Equifax refuses to remove from my records
Complaint sub-issue: Received bad information about my loan

When I consolidated my loan with Nelnet, I was told I was on the correct standard repayment plan ( phone conversation ) to receive Public Service Loan forgiveness, however I was recently informed that after making 105 payments, I was on the incorrect " standard '' repayment plan since 2010. Each time I have talked to Nelnet, I informed them I was XXXX XXXX military and intended to use PSLF however was never advised that my payments were not qualifying.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX, I called CITI bank to let them know I had been laid off ( as of XX/XX/XXXX ) and asked them what was put in place in response to the COVID crisis. I was told nothing was in place but I would be informed. I also reached out to XXXX that day. The XXXX day of every month is the day I pay for all my credit cards. XXXX enrolled me automatically in the COVID program on XX/XX/XXXX. 

I received in XXXX alerts regarding my credit score which had been downgraded. I didn't pay attention at first. Then reached out to Citi and they told me I had not made 2 minimum payments on XX/XX/XXXX and XX/XX/XXXX, acting like if I had not proactively reached out to them. I was eventually enrolled in the COVID program and was told I would not have anything to think about until XX/XX/XXXX. Yet, they refused to cancel my late fees. Citi continued to reach out in XXXX XXXX XXXX and XXXX ) asking why I had not made the payments in XXXX, XXXX, and XXXX. I took the time to explain to the agent the mess I was in because of their complete disorganization : they reported me to the credit bureau, issued new cards which I have ( still ) not received, have continued to try to charge fees. She admitted my account had not been updated thus the phone calls. 

I feel I am the victim of Citi complete disorganization and it has affected my credit score in a way I never imagined. During my last phone call, I asked to escalate my problem. I waited and was told there was no supervisor available but I would be contacted by a supervisor in 24 or 48 hours. It has been over 2 days and I have not heard from anyone at Citi. In times like these, one want to deal with a serious credit card company and Citi card didn't show professionalism not even empathy. Shame on them.
Complaint sub-issue: Information belongs to someone else

This company continues to report false information about me causing me a complete loss of income. Theyre reporting false information of another person 's record thats not even me I repeatedly sent documents for them to correct and they're refusing to correct errors and ignoring state federal laws.
Complaint sub-issue: Didn't receive notice of right to dispute

I found out that there was loan under my name from company called Lending Club. 
Couple months after, my credit point dropped over 100 points, and I started calling credit companies, XXXX, XXXX, XXXX  to dispute for this amount. I have never requested personal loan from Lending club, nor received money. I tried call this loan company, but it is unreachable by phone. I sent an email and they sent me a letter which didnt explain anything about my concern. Therefore, I filed a complaint about this fraud on police department in XXXX, TX. I am guessing someone stole my identity. I have received a letter from a collection company called XXXX XXXX XXXX XXXX which amount of {$13000.00} on XX/XX/2020. I am a victim of identity theft and looking for help to resolve this issue. 
Sincerely. 
XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I am attaching a copy of my most recent correspondence to a credit line provider, XXXX, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to XXXX to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being discharged in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.
Complaint sub-issue: Didn't receive enough information to verify debt

This account is reporting two debts : XXXX and XXXX. I have requested debt validation for both accounts and have not received anything back. I have been disputing the XXXX  for a while and just received notice they have transferred the account Ive disputed. I have not received a debt validation for this account before it was handed off.
Complaint sub-issue: Information belongs to someone else

The account listed on my Equifax credit file as being owned by XXXX XXXX XXXX, Account # XXXX should not be reporting to my credit file. It was previously reported under the original company as XXXX and DELETED due to fraud. This is a reinsertion of a fraudulent file and should be removed immediately. I have brought this to a representatives attention but have not received a response in a timely manner regarding this issue.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A hard inquiry appeared on my credit report from XXXX XXXX, XXXX XX/XX/XXXX. I contacted the creditor that same time frame and advised them I had been compromised & this account inquiry was fraudulent and it needed to be removed from my report. They conducted their research & it was removed from XXXX reports but still remains on Equifax. I've since put a 7 freeze on for all the credit bureaus. I contacted XXXX, XXXX XXXX again in XXXX, they advised me they had sent another request to have this removed from my report & I received a letter the 2nd time from them stating this fact. XXXX this was still on my report I had filed an online dispute w/Equifax and reached back out to XXXX again to request this removal. There was no change. I submitted section 609 letter Equifax sent certified mail at the beginning of XXXX requesting this to be removed from my report along w/documentation from the creditor advising they had 30 days to have verified. As of XX/XX/XXXX I contacted Equifax and they have my documents on file but state the were not able to remove from my report due to the letters from XXXX were not proper form of docs they can use to remove & advised me to process form on FTC.Gov and fax a copy to them for faster removal..
Complaint sub-issue: Account information incorrect

XXXX XXXX # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Complaint sub-issue: Other problem getting your report or credit score

Re : Inability to manage Equifax Freeze I have been trying for multiple days to manage an Equifax Freeze online. I kept getting a message online to call. When I would call I would get a message that said manage freeze online. I finally spoke to an Equifax employee and no matter what I asked all she said was, I am unable to help you, please call again later. 

No explanation saying upgrading server, just try again. And I have been trying since last week. This is for a loan for a car that my credit union only works with Equifax. 

This company, Equifax, has the ability to deeply impact my life, holding onto my information and I have no control over or recourse against. And all they have to say is, try again later. 

Equifax needs to be held accountable. Right now they are not.
Complaint sub-issue: Don't agree with the fees charged

I have been paying my loans for now 26 years on a my 25 yr loan only to be told I owe XXXX still. Fedloan is a predatory lender by definition offering loans to unemployed students with no credit based on future or potential earnings. My loan was NEVER with them. I have repeatedly asked for official copies with my official signature which they will not provide. They then send an email ( which I provided ) saying its in my online acct. I have never signed up for nor signed into an online acct. Now during suspension by the govt I get mailed copy saying i OWE {$1400.00} to cover the interest for the quarter ( my original monthly pymt was {$130.00} ). This is ridiculous. I paid my debt with my original servicer and am now being harassed by a company stock piling interest with no real option to working out a contractual deal if there is even a need for one. I am also part of a lawsuit against XXXX XXXX XXXX who took my loan on a forgiveness program.. again I have never had a loan with Fedloan Servicing and am tired of being treated like a piece of garbage by this unethical company
Complaint sub-issue: Their investigation did not fix an error on your report

Contacted bureau to investigate incorrect accounts. The company mentioned " verified as accurate '' but its not accurate. Not properly investigated. Accounts should not be reported no obligation.
Complaint sub-issue: Reporting company used your report improperly

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX/XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX