Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

I have tried several communication with Citibank to add my spouse as co-signer or joint account holder but Citibank has failed to do the same. 

After multiple communications over the customer service phone call, I have been told that the application for adding my spouse has been rejected Considering, I live in the state of XXXX XXXX where Citibank branches do not exist the paperwork has to be sent through postal mails. 


My Citi priority checking - XXXX. 
Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX NC XXXX I would like to complaint about the bad services - > 3 months to come to the conclusion of the application No communication on the rejection of application Citibank has quality issues when it comes to providing customer services to the resident of the state where Citibank does not exist. 

If Citibank provides bad quality of service to the residents of the sate where they do not exist, they should not be allowed to operate in such states or put a disclaimer that they would discriminate their customer from customer experience perspective based on the geography they reside in.
Complaint sub-issue: Card opened as result of identity theft or fraud

Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX First ( Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX
Complaint sub-issue: Deposits and withdrawals

Discover bank freezed my debit card and not giving an explanation. They are accepting incoming payments such as check deposit, Inward deposit through bank transfer but not allowing me to use my debit card or banking. When i call they keep transfering many departments saying they have some special notes in the system on my account. I request for closing but in vain.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8200.00}, {$7600.00}, {$12000.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD SERVICE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- INSTALLMENT LOANS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several discrepancies that Ive disputed with the credit bureau and they refuse to fix or remove them in a timely manner. The first is the XXXX XXXX account. This account was disputed years ago and it was allegedly removed but Equifax and XXXX  has not removed it from my report. The second is XXXX XXXX. I have not conducted any kind of business with this organization. I dont know if they purchased an old debt of mine of whatever the case may be but that would enter XXXX and that organization into an agreement not XXXX and I. I also have a bankruptcy on my report that has been there over seven years that the bureaus have verified through XXXX XXXX but there is currently a freeze on the information being verified through XXXX XXXX. They are a third party and not allowed to verify damaging information. I asked the bureaus to remove the bankruptcy due to inaccuracies in the case filing details and there are no laws that say that a public record has to stay on my report for a minimum amount of time. There are laws that refer to the maximum amount of time they can report the public record but it has been well over seven years. If the bankruptcy was verified through the court, I would like the name of the person spoken to, the court called and the phone number used to verify the information. There are student loans on my credit report that I would also like removed per FERPA, I dont have to reveal any information regarding my education if I dont want to do therefore I would like those removed as well. My report should have been updated long ago about XXXX XXXX XXXX. This account needs to be removed based on me filing a dispute and it not being resolved until over 60 days later. I have attached the canceled check showing that I paid that debt over two months ago and it was showing delinquent and hurting my score and there was nothing done about it.
Complaint sub-issue: Old information reappears or never goes away

This complaint is regarding an old XXXX XXXX Account in the amount {$3700.00}. This account was first reported in my credit report by both XXXX and Equifax agencies as far back as XXXX or earlier. In XXXX, the account was removed from my credit report by both agencies, having been over seven years. 
However, in XXXX, I discovered the account has reappeared in my credit report. Immediately, I disputed the reappearance of the account in my credit report and no action was taken by the two agencies. A few months later, I repeated the dispute and still no response or action taken. 
Please my question is whether the Transunion and Equifax agencies can report an account of this type again after its first initial seven years of reporting.
Complaint sub-issue: Charged too much interest

DEAR SIRS C.FP.B DIRECTOR / INVESTIGATOR. 
XXXX XXXX PROVIDED A CREDIT CARD FOR {$600.00} DOLLARS IN XX/XX/XXXX. IN XX/XX/XXXX I WAS UPLOADED THE CREDIT LINE AT $ XXXX WITH PAYMENTS MINIMUM OF {$59.00} ABOVE PREVIOUS BALANCE OF $ XXXX TODAY DAY XX/XX/XXXX RECEIPT LETTER FROM XXXX XXXX THAT THEY WERE TO CHECK MY SCORE IN XXXX  AND GAVE THEM XXXX. SCORE. BASED ON THIS MY CREDIT CARD OF XXXX XXXX  DECREASED AT {$1800.00} INTERESTS PAID DURATE XX/XX/XXXX AND XX/XX/XXXX {$240.00}
Complaint sub-issue: Received bad information about your loan

Twenty months after paying off my loan in full, Great Lakes added {$13000.00} to my loan balance. They said the money was a fraudulent payment ( it wasn't ) so they sent it back to the bank. I never received the money back. They refuse to tell me where it was sent to past that. The money has disappeared. Now I have a large balance on my student loan, and my missing {$13000.00} is nowhere to be found.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019 CREDCO add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

The ( 3 ) three credit Breaus are reporting inaccurate inquiries and debts on my credit report 1. XXXXXXXX XXXX 2. XXXXXXXX XXXX XXXXt 3 XXXX Bank 4.XXXXXXXX XXXX 5XXXX XXXX Bank 6.XXXX 7.XXXX XXXXXXXX I've filed several disputes and nothing has been changed and I've also did my share of investigating and found that they have mixed my credit file up with someone's social ending with XXXX please.
Complaint sub-issue: Investigation took more than 30 days

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This complaint is against Equifax only. I am in the beginning of my first time mortgage/homebuying process and I have to remove the dispute comments from my Equifax credit report. XXXX and XXXX have done it within 24-72 hours but Equifax is taking 30 days and they told me that there is no way to expedite it which is absolutely false. Equifax has a expedited dispute service that they offer, they just did not tell me about it and its for a fee. I am trying to obtain the American Dream, and Equifax is making it very difficult for me to do that plus they have bad customer service. I do not feel that I am being treated fairly as a consumer especially in relation to the other credit bureaus which act promptly in making sure my credit score is accurate and up to date. It should not take 30 days to delete the word " dispute '' from the comments of a 3 accounts on my credit report, and if it does take 30 days then that there is a problem within itself. Mortgage timelines need to be taken into consideration, Equifax does not care about anyone but themselves.
Complaint sub-issue: Information belongs to someone else

cra violation inaccurate information no knowledge of accounts on the breach of Equifax sent po report XXXX XXXX
Complaint sub-issue: Account status incorrect

Hello, I was browsing an app that someone told me to check out and then put it down, a hour later i got an email saying my loan was approved and My cash was being sent out, but I NEVER MADE A LOAN. I immediately contacted the company and they said they would take care of it after a lot of struggle. The next day, {$900.00} was taken out of my account which had {$0.00} in it at the time so I was over drafted by {$900.00}. I immediately contacted this company and after some struggle again they said they would fix it and deposited the over drafted money back into the account. Mind you, there had never been any money put into my account. After that I thought it was all over, and 2 months later I get my credit report and it says I'm delinquent on my payment to them. But i check there app and it says I owe {$0.00}. So I contact customer service again and for the past months have been explaining to multiple people what happened and they all assure me it will be taken care of, but then the next day i always get an email saying '' you till owe us {$900.00} '' but i do not owe them anything. I have the chat transcripts, my bank statements and screenshots of the app to prove all this
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have a couple companies that I would like to report. The issue is that these companies are continually making inquires on my credit and continually having a negative effect on my report. Each company do not notify me when they are making inquires or reporting. Therefore, each of these accounts will never fall off. I am trying to purchase another vehicle and I am not able to purchase one due to these accounts. 

Hunter-Warfield XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

My name is XXXX XXXX Citi premier card # XXXX XXXX XXXX XXXX I called and cancelled my membership around end of XXXX or Beginning of XX/XX/XXXX,  then received an email stated I have a balance unpaid .... I checked my account, {$95.00} membership fee was not credited back to my account .... 

I called them XX/XX/XXXX to resolve this problem since I cancelled the membership already, they told me OK. 

I received another email showing account balance {$15.00}, I called again and they told me they credited membership fee " prorated '' .... that was not acceptable since I cancelled the membership ON TIME and they DID NOT PROCESS MY ORDER OF CANCELLATION! 

They need to correct this mistake immediately by credit this {$15.00} back to this my closed account!
Complaint sub-issue: Public record information inaccurate

Dear Sir or Madame! 
Please be advised that I was a victim of Identity Theft. Upon learning of this incident sometime in Spring XXXX  I immediately filed a notified all credit reporting companies regarding this incident. 
Upon collecting all relevant information pertaining to this incident I had filed a Police report with XXXX in XXXX, XXXX. 
All Credit Reporting Companies were notified in regards. 
I had submitted any and all documents pertaining to Identity Theft to all partied involved and requested to remove all negative information contained therein ... 
Credit reporting companies refused to act and cause irreversible financial harm since I was unable to use my credit in order to obtain mortgage, car loan & /or credit card ... as well as favorable rates ... 
I respectfully request your assistance in order to force credit reporting agencies to acknowledge that identity theft incident occurred and remove any and all negative information from my credit report. 
Respectfully, XXXX
Complaint sub-issue: Debt is not yours

XXXX are reporting unverified information on my credit report on Fed Loan Servicing # XXXX and the below creditors and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

US Dept of Ed/XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  {$270.00} XXXX XXXX XXXX # XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notification that I could potentially be impacted, no email, letter, or phone call. Instead had to discover it via social media and through news agencies.
Complaint sub-issue: Account status incorrect

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to Equifax and XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Equifax : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DOE XXXX XXXX Balance : {$0.00} 10. DOE XXXX XXXX Balance : {$0.00} XXXX : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DPT EDXXXX XXXX Balance : {$0.00} XXXX0. DPT EDXXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected
Complaint sub-issue: Their investigation did not fix an error on your report

I'm requesting the unauthorized inquires be removed from my report.
Complaint sub-issue: Account information incorrect

This Mortgage account was paid on time and never late. I was made aware the mortgage was sold to a new lender via USPS and did exactly what both lenders advised me to do. I assume this was reported as late due to an admin error. They reported a payment as late.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # Acct # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Frequent or repeated calls

XX/XX/XXXX21 and again today XX/XX/XXXX they have called my phone consistently back to back. They state i owe something from my bank account but it doesnt sound legit and if i had an issue with my bank account they would send me something so i dont get it and refuse to get scammed. they are calling me from XXXX they say call XXXX which has been listed a company fraudulently calling people playing as a debt collector. they say ask for XXXX XXXX on the message
Complaint sub-issue: Information is missing that should be on the report

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. the addres
s XXXX XXXX XXXX XXXX XXXX fl not mine
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX/XXXX/XXXX I was contacted by XXXX XXXX of Procollect for an oustanding debt of {XXXX}. I asked what the payment arrangements were because I am not able to afford to pay this off all at once. He told me I could do 6 months which works out to {XXXX} per month. I told him that I could not afford that and were there any other options and he stated no and that he was going to mark my account as refusal to pay. I asked to speak to a supervisor and he refused. 

I asked him to send me something in the mail to validate the debt. I honestly have not received any letters from this company. He said he needed to look up my account again, said something about late rent, asked if I had a pen and paper so I could write it down and then he refused to validate the debt, saying that your company has already sent me something.
Complaint sub-issue: Problem with customer service

Back in XXXX I called XXXX to request a refund for the payments I made during the pandemic period as allowed by the cares act. In XXXX they said my refund was above and that the funds to be refunded were transfered over to Mohela since they were the new servicer for my loan. I called Mohela and they couldn't confirm this info and said I would have to wait. Since then there's been no updates and I still haven't received my refund.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Since XX/XX/XXXX, I have tried to communicate with Citi regarding the high fees of my credit card ( 19 % ). I explained that I am retired, very ill with serious medical issues and billing, living only on social security income and have been a loyal member with no issues since XXXX. They informed me that I should call after the holidays to request a lowered interest rate. Then COVID19 happened and things became very dire for me and my family. Job loss of  relatives who would help with my bills and so many other issues. I called Citibank every day the week of XX/XX/XXXX and was placed on hold for 2 hours each day. The calls would automatically end every time after waiting for two hours. I called early morning, late at night - and throughout the day hoping to get a slow time. I went on the website, communicated with the automated thing and received another number to call. But it was the same result - hang-ups, or " we can't help you, call this other number. '' I called the other number and long wait times. I went on the website again and requested assistance due to COVID. They said they would contact me after 7 days. They have not done so and I have been making weekly calls and messages on the app or website ( one or a combination of the other ). This has been abusive. My bill is now three times what it was previously and I can't pay. I am XXXX years old. Help!