Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

Citibank has been  rearranging my transactions in order to garner the maximum number of overdraft fees. In the course of  XXXX   XXXX  -  XXXX   XXXX ,   XXXX  , I had  one ov erdraft occur with several pending debits for credit card payments that had previously been applied. I had  my two credi t cards withdraw on the same day for convenience. Early in the day  XXXX   XXXX  debite d my Citibank acco unt successfully. Later Capital One did so which resulted in an overdraft, which was my fault. Howev er Citibank then d eclined both payments to  XXXX   XXXX  and  XXXX   XXXX  and charged me an overdraft fee of {$34.00} for ea ch one, initiall y totaling {$68.00}. However  XXXX   XXXX  continued to retry the payment every  two days for a total of three ti mes, resulting in a n Citibank overd raft fee for each retry for a total of {$100.00}. I am disputing the {$100.00} in fees due to the returned  XXXX   XXXX  payments becau se Citibank declin ed the initial payment after it went through. I am not disputing the {$34.00} fee due to the  XXXX   XXXX  overdraft because that was my fault.     On  XXXX   XXXX ,   XXXX  ,  Citibank again ch arged an overdraft fee of {$34.00} after arranging purchases. I paid my phone bill on  XXXX   XXXX , and made a purchase on the  XXXX . Instead of declining the purchase, because I had signed up for overdraft protectio n, Citibank did  not post the phone payment until after the purchase on the  XXXX , then charged the overdraft fee.     These wer  e two separate instances in which Citibank manipulated my account in two different shady ways in order to extract overdraft fees totaling {$170.00} in approximately two weeks, {$130.00} of which I am contesting. These fees have only originated because Citibank created disorder in the way my charges were processed in order to charge fees.
I went to Citibank to discuss the charges. The representative listened to my complaint and began typing in   her computer. I thought she was documenting my case, but then she simply handed me a slip stating my account had been closed, so now I am contacting the CFPB.
Complaint sub-issue: Information is missing that should be on the report

My auto loan originated with XXXX XXXX, Ameris Bank took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when Ameris took over XXXX XXXX, when I called Ameris Bank about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called Ameris Bank customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with XXXX  and XXXX, but that has not happen. I would like for my active auto loan with Ameris Bank to be reported as current along with my payment history to all three major credit bureaus.
Complaint sub-issue: Problem with customer service

Mohela will not answer any phone calls. I have been calling several times over the past few days, and receive an automated response that " due to an unprecedented amount of calls, we can not take your call. '' When I try to submit a message online to them, it says " we don't take online messages about this topic, please call us instead. '' and when I call them, they say they aren't taking calls.
Complaint sub-issue: Problem during payment process

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was paid

I became aware in  XXXX   XXXX  that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier.     I contacted  XXXX   XXXX   XXXX  - the provider in  XXXX  and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and   XXXX   and  XXXX  removed the items. However,  XXXX  did not ( see attached ).     In addition to collecting for a debt that is not owed, this is clea rly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.
Complaint sub-issue: Card opened as result of identity theft or fraud

Hello, my name is XXXX XXXX I live in XXXX, Ohio and someone has opened a credit card using my identity without my permission. It is for-sure identity fraud and Id like it investigated immediately and closed. Ive never opened an account with XXXX XXXX XXXX or an affiliate with that establishment. I only have a XXXX  card and XXXX XXXX  I opened recently. The card was opened on XX/XX/XXXX and the last activity was XX/XX/XXXX. I repeat Ive never opened a card with that company or affiliate. Im beyond terrified I hope my identity doesnt get compromised.
Complaint sub-issue: Received bad information about your loan

I am trying to find out why is my XXXX discharge taking so long to go through by the loan services. XXXX notified them on XX/XX/2018 of my permanent discharge approval due to verified VA XXXX. I keep calling and asking so I keep getting different answers about why it is not done yet. Including any refunds that is due back. First, they said 60 days, then 90 days, and now 6 months. XXXX said it should have been completed by now because they have all paper work needed for discharge and any refunds that is due back. Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, My name is XXXX XXXX XXXX XXXX XXXX is a new credit card XXXX replaced when Co was sold to a new onership.I was with XXXX old card since XXXX paid on time, bought many things, including partial roof and siding for my home, never had an issue.I was issued a XXXX XXXX XXXX Card with the last # XXXX in XXXX.It had a fraud charge near the end of the yr XX/XX/XXXX, I called and paid the amount and fees I owed but not the fraud amount they stated it was removed, They send a letter stating the card was now closed # XXXX replacement card last # XXXX, I never used the new card, then in about 2 weeks I received a statement sent to me with a fraud order XX/XX/XXXX SP Quest nutrition XXXX CA with FEEs! I called that day and canceled my credit card and business with them, also I send several letters which they are ignoring now the balance is $ XXXX.Now my XXXX is XXXX from XXXX.My credit records always are good.Also if you see XXXX and the Shop your way Card # XXXX, I paid my bill.And when you try to talk to the operators they they hardly can speak english.I do not owe [ Shop your Way ] any money, Please help me with this, I have went to website and Shop Your Way has many complaints by many of their customers. 
Ms XXXX XXXX
Complaint sub-issue: Problem with rewards from credit card

I purchased an international plane ticket using Citibank 's " Thank You '' points last year ( Trip ID XXXX ) travelling XX/XX/XXXX -XX/XX/XXXX from XXXX to XXXX. The flight was cancelled when the border to XXXX was closed. I received a travel certificate with XXXX XXXX good through XX/XX/XXXX ( later extended to XX/XX/XXXX ). When I tried to redeem this certificate a few weeks ago, I was told it was no longer valid, because the purchase had been refunded through the travel agent I used ( Thank You Points ). 

I contacted Citibank and the Thank You department and after speaking with multiple staff over several days was told that Citi had closed the Thank You points account because I was not using the credit card recently ( this is true ), and that because I didn't rebook within 60 days I lost the points. However, I had no knowledge that a refund was made or that there were any points in the account. 

I explained how this was a ticket I had earned, and I did not request it to be refunded, and I should still be able to take this flight that I had earned, and was told that the only way to have access to the points is if I opened another Citi credit card account ( my THIRD, # XXXX XXXX XXXX XXXX XXXX note : account was never used and is now closed due to deceptive promises Citi used to encourage me to open it ).

I applied and was accepted for this account, received the card in the mail, then when I called to have my Thank You points credited to my new account, after multiple transfers and talking to 7 different representatives was told that they can not do this and they are forfeiting my points that I earned for my international flight. 

See attachment for clearer summary and timeline. My Thank You member ID is XXXX XXXX XXXX XXXX. The flight was booked XX/XX/XXXX and a XXXX eCertificate issued in the amount of {$320.00} with an expiration XX/XX/XXXX ( eCredit XXXX ). On XX/XX/XXXX a refund was issued by XXXX to Thank You and Citi states that my account was closed on XX/XX/XXXX. In early XXXX, I attempted to use the XXXX eCertificate and discovered what had happened and attempted to retrieve my Thank You points.
Complaint sub-issue: Problem during payment process

Hello, Once again I am not able to make payments on-line, there is blocked access to my credit card account payments page. I am being re-directed to an email verification page. Once again I have tried to clear cache with no resolve. Getting thru to IT help is sketchy but results in a reset that works but when going in to make payment it fails again.

I have been forced to make phone payments, and unable to edit my promotional balances with on-line access blocked once the re-direct happens ( we need your email info updated ) The error I receive states " please enter a valid email address '' Last month I had it freeze after access, and no confirmation of payment so I made a phone payment to avoid late payment. Two payments were processed. 

The company response is not helping, yet my complaints get closed. I will continue to report these occurrences as a matter of record, for any future action I guess? 

Please assist in at least reporting my issue somewhere so others can see that XXXX is not the greatest at internet banking access.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX XXXX XXXX, inquired on XXXX XXXX PNC BANK , inquired on XXXX ; XXXX, inquired on XXXX ; XXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXXXXXX XXXX, inquired on XXXX ; XXXXE, inquired on XXXX ; XXXX XXXX XXXX XXXX inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX inquired on XXXX ; PNC BANK, inquired on XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX ; PNC BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXXXXXX XXXX XXXX XXXX XXXXXXXX, inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.
Complaint sub-issue: Reporting company used your report improperly

This complaint is regarding the massive information breach at Equifax that was announced on XXXX XXXX, 2017. Equifax has mishandled my information which led to a myself and millions of other individuals to be at risk for identity theft. I was not notified about this breach by Equifax and found out through the social media platform XXXX. 

The 90 day fraud alert and 2 year identity protection that Equifax is offering in response to this is unacceptable. This breach puts my information within the reach of unauthorized parties for the rest of my life and for as long as my heirs are responsible for my finances. To only offer 2 year protection and expect me to pay for their mistakes is extremely wrong, especially when I have never chosen to do business with this company personally. I will likely also end up freezing my credit score as a safety precaution which will cost me {$5.00} per institution to unfreeze and another {$5.00} to re-freeze. I should not need to provide a police report to waive these fees when Equifax has proof they lost my information. 

This incident is the result of a gross misuse of private information and there need to be heavy penalties as a result.
Complaint sub-issue: Trouble with how payments are being handled

This is the second time in two weeks that I am reporting Sallie Mae for their actions and complete disregard of my rights as a consumer to make decisions for my finances as needed. After multiple rounds of misinformation by Sallie Mae staff, at all levels, and a failed attempt at a loan modification with them ( mind you my XXXX payments, for which I owe a lot more than Sallie Mae, are {$12.00} ) they proceeded to add my account on " disaster forbearance '' without my permission under the pretense of " courtesy '' when we all know they are just trying to make sure that my account do not go past due because I nor my cosigner ( a XXXX patient ) can make {$440.00} payments every month. Please someone do something. My next stop will be Senator XXXX 's Office.
Complaint sub-issue: Their investigation did not fix an error on your report

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.
Complaint sub-issue: Account status incorrect

Comes Forth Your Petitioner States that XXXX XXXX has purchased a debt from citicards while the account had an open previous dispute with the previous company. XXXX XXXX   Purchasing this debt from citicards assumes the debt and its liabilities. XXXX XXXX  has failed to address the dispute of a bill not being received and transactions on the account. XXXX reporting without addressing the previous companies dispute is a violation of Fair Credit Billing Act & Fair Credit Reporting Act. Petitioner disputed account directly with XXXX and received that it is a verified debt since a statement has been sent. Petitioner has been caused MANY MANY damages from this.

Petitioner is requests CFPB order XXXX  to immediately remove item from credit report and address petitioners issue that the bill was not received from Original Creditor. Original Creditor deleted from credit report already to remove their liability Complaint on citicards to follow. 

Petitioner is XXXX veteran drawing veterans benefits for living expenses.
Complaint sub-issue: Account information incorrect

Equifax continues to show that I have a balance of over {$18000.00} on a XXXX XXXXXXXX Credit card. This card has been paid off for a few weeks now, yet continues to show on my report. Please remove and update so my credit score can be updated please.
Complaint sub-issue: Problem with statement of dispute

How can Equifax keep all items of credit history on the report for 10 years regardless of the other agencies taking the old debt off and following the 7 year rule?
Complaint sub-issue: Debt resulted from identity theft

I was a victim of identity theft and noticed a collection from PROCOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PRO COLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Information belongs to someone else

I have notified both XXXX  and Equifax that the XXXX account that is reporting on my credit file do not belong to me. This account was open as a result of identity theft. Please assist me in getting this account removed from my credit file.
Complaint sub-issue: Billing problem

I tried to dispute this incorrect data reported by Ally Bank. Extension was granted on the telephone for auto loan contract. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwere all reported as late because of the inability of Ally bank to send the contract in the mail to my home address. When the supervisor at Ally bank was notified of the situation, they said they resent it 3 separate times in the mail to the address on file. Payment was not sent to Ally and I was confused why it had not been received yet in the mail. Supervisor made excuses and said it was my fault ( consumer ) although I know this not to be true. It took over 60 days to finally receive their paper work and when I escalated this complaint to the supervisor I was told that it was my fault I did not get the paperwork back and Ally said they would resend it. After 3 weeks it still did not come and I called back and the situation repeated 2 more times until about 65 days later the paperwork was received and sent back signed to Ally and payment was made within 1 weeks of the paperwork being received but I was told by Ally that they would not remove this for my credit even though this issue was 100 percent due to an inability of Ally Bank to send the paperwork to the correct address on file multiple times in a row. Please help resolve this.

This is from credit report : Account Details Account status Open Type Automobile Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Worst payment status 60-89 Days Late Times 30/60/90 days late 3/1/0
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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: Received bad information about your loan

XX/XX/XXXX when my bankruptcy was discharged AES basically XXXX out my account and listed on my credit as discharged. But what the did was transfer the balance to a new account as if I opened up a new student loan as if this was not the same student loans from XXXX.
Complaint sub-issue: Don't agree with fees charged

I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them, so why is there no one to speak with?? Is this legal, or part of a deliberate attempt to protect their profit? This is issue # 1. 
I began repayment of loan after I XXXX in 2011, and during the deferral period before that, paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over {$18000.00}, and yet my current loan balance on an orignal amount of {$24000.00} is over {$22000.00}, meaning I 've only reduced the loan by about {$1800.00} and the bank has profited a tidy sum of over {$16000.00}. It appears to me that this qualifies to be called predatory lending? Issue # 2
Complaint sub-issue: Was not notified of investigation status or results

I submitted a complaint to the credit bureaus about a fraudulent collection account on my credit report I have no prior knowledge of this account and also this account has not been verified I was doing some research and was told that if I submit a complaint to the bureaus and it has been more then XXXX days then this collection account most be removed which it has been
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX