Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 I discovered an unusual charge that was posted on XX/XX/2022 for XXXX. I immediately contacted Citibank to open a dispute into this transaction, and concurrently notified XXXX XXXX XXXX about this charge. 

Several weeks after filing my dispute, I proactively contacted Citibank to inquire whether I could provide any supplemental information as I had not received any follow up from Citibank. I was provided an email to submit supplemental information along with the Case # and Transaction # provided by the representative, and on XX/XX/2022 I emailed Citibank to provide my statement along with email correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements from XXXX, and confirmation of XXXX XXXX XXXX XXXX XXXX 

In early XXXX I finally received an update dated XX/XX/2022 from Citibank about the dispute requesting proof of cancellation and any additional supportive information -- all of which was already provided on XX/XX/2022. The update essentially summarized that XXXX XXXX XXXX responded with a standard terms of agreement copy that subscribers are responsible for all charges. I contacted Citibank to question why the material I submitted was not considered, and she was able to retrieve the XX/XX/2022 email and upload contents to my file. I also provided additional material via email on XX/XX/2022 as I had already reached a resolution directly with XXXX XXXX XXXX, where they agreed that the charges were erroneous and removed. I attached a letter from the FCC confirming that the matter was escalated to the Office of the President at XXXX XXXX XXXX and resolved, and there should be no further need to dispute this charge as my balance was cleared. 

I thought that this would be the end of the dispute, but on XX/XX/2022 I received another update from Citibank stating that they did not receive a response to their request for supplemental information. This is patently false, and I contacted Citibank yet again to have them look into the materials I submitted on both XX/XX/2022 and XX/XX/2022. I spoke with an agent named XXXX from the disputes department who attempted to contact an investigator but their response was that this dispute was considered closed and that I would need to file an appeal. I did submit the appeal referencing all the correspondence and supplemental information previously provided, though XXXX explained that the original charge would be reposted to my account pending appeal. 

I am filing a complaint with Consumer Finance because Citibank has not provided any real assistance in resolving this issue, has not reviewed any material they requested and received, and has made no attempt to actually investigate this matter. It is bewildering that proof of resolution reached with XXXX XXXX XXXX and confirmation with an FCC letter is not enough to satisfy an investigation team. Reposting the charge and waiting to appeal this matter will further extend a process that has already taken 3mos and has wasted significant time and effort.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This Third party Debt collector agency I.C SYSTEM INC has bought my personal information or was given my personal information WITHOUT my consent! I do not owe this company, never had dealings with this company what so ever. This is a violation under the FDCPA as I didnt give permission for XXXX XXXX  to sell my personal information. This is a form of identity theft.
Complaint sub-issue: Problem with paying off the loan

Regional Credit Acceptance is the company I financed a vehicle through. I was/ am XXXX XXXX military. The car was wrecked to equal out to a total loss in 2017. The company got paid by my insurance and my GAP. The GAP insurance company paid later than the 90 day mark so Regional Acceptance stated they were going to repossess the car, which was already sent to a junkyard as a total loss throughout XXXX. I have disputed it with the company multiple times. Finally, the middle of last year they sent the co-signer on the loan a letter stating the remaining balance owed was {$75.00}. We sent in a certified check and received a receipt for a XXXX balance due. My credit report still states the vehicle was a repo, and over {$4000.00} owed.
Complaint sub-issue: Problem using a debit or ATM card

I have been a satisfied Citibank Customer for the last 7 years. Despite I dont live in United States, I opened an account in XX/XX/XXXX in  XXXX, Florida. Since then, I use it just for savings. 
In XX/XX/XXXX, I tried to go into my online Citibank account and I could not. So, I called at Citibank call center, just to find out that my account was closed by Citibank and It was empty. They did not notify me about the closing. 
It was a real shock for me, because I did not use this account as my day to day checking account, but as a savings account. When I asked for the last movements of my account, the operator described to me 9 different unauthorized withdrawals that happened during XX/XX/XXXX. Three ( 3 ) of them were made physically in different branches of the bank. As I said I dont live in USA, so I immediately denied them. Attached you will find the details of this movements, for a total amount of USD XXXX. This information was all supply to me by the Citibanks Call Center. It is VERY important to note that when all this movements took place I was not in United States. Even worst, I actually have never been in Illinois, in my whole life, where all the face to face withdrawals were supposedly made. 
Also, the operator said this movements were made with a debit card ending in XXXX, that I never had. My actual debit card ends in XXXX, and it is physically WITH ME at this moment. My expired debit card ended in XXXX. 
As I denied this movements, he put me on contact with the dispute department. They asked me if I had already done a complaint with the Police, and I answered I have not yet because I live in XXXX de XXXX and I have no plan to travel to U.S.A. After that, an internal investigation was opened and she gave me a following case number. 
In XX/XX/XXXX, I called to the same Citibank phone number to follow my case ; and the operator told me that the case was denied because I had not make a formal complaint with some police department. She also told me that If I want to re-open the case I need to make a complaint. ( And suggested that I need to travel to U.S.A. and talk directly in a Citibank branch ). 
After I made it public on XXXX, they call me and ended up opening a formal complaint ( In fact, two ( 2 ), one for branch withdrawals, and other one for ATM withdrawals ) and I am still waiting to know the results. I am really needing your help to go forward with this investigation. It is my savings for the last 7 years, and I need my money back. As I said, I was not in United States when the movements happened, I have never had the debit card ending in XXXX, and It wasnt me who made the withdrawals. Also, due to my account history, they can see that this type of movements was very unusual. 
Also, I made a complaint with the Federal Trade Commission ( FTC ) which I report an identity theft. Attached you will find the report.
Complaint sub-issue: Was not notified of investigation status or results

I have reached out to the companies several times to handle this particular matter. These items are causing my report to look bad and it is tough to get approved for apartments. Please help with this issue.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes : XXXX XXXX- - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Can't temporarily delay making payments

On XX/XX/XXXX, I contacted FirstMark services to report that I was unable to afford my monthly payment of {$320.00} ( which is more than XXXX of my biweekly paycheck ). They told me they were unable to lower my payment but I could apply for my LAST two months of forbearance. With XXXX, my only daughter 's XXXX birthday coming up on XX/XX/XXXX and the XXXX season shortly behind, I decided to utilize my last two months of forbearance, despite the fact that I'll be paying on this for another TEN ( 10 ) YEARS! On XX/XX/XXXX, I was notified that my forbearance was approved from XX/XX/XXXX to XX/XX/XXXX despite having made a payment on XX/XX/XXXX. The forbearance should have been approved from XXXX to XXXX. I contacted them and they told me I was wrong. 
On XX/XX/XXXX, I received a letter than my loan was entering repayment and my next payment would be due XX/XX/XXXX ( again, wrong ). On XX/XX/XXXX, I started receiving collections calls from XXXX XXXX XXXX telling me that I was 30 days past due and owed them {$640.00}. I was upset because it was 3 days before XXXX and the website was telling me I owed them more than {$950.00}. In tears, I spoke to a supervisor who told me this was a mistake on their part, that the forbearance was ended too soon and that they'd make the adjustments and send me a special letter detailing the circumstances of the error. I was reassured that mine and my cosigner 's credit reporting and would not be impacted. 
on XX/XX/XXXX, I received another collections call, spoke with another supervisor who said my request to fix their error was rejected and I'd essentially have to reapply for the forbearance I requested in XXXX. 
I'm actively drowning in this debt. Between this and my other private and federal student loans, I can not afford a home, I can not raise my credit score because my debt to income ratio is screwed. I need help. First mark Services is not able to service these loans sufficiently or in a way that doesn't prey upon hard working XXXX XXXX who followed the rules, went to college, went to XXXX XXXX, and have nothing to show for it except XXXX student loan debt.
Complaint sub-issue: Company closed your account

I had a discover credit card and the company closed my account because I payment got returned due to NSF.. But what is mind blowing during the time the payment was made no payment was due and my account should have had a full positive balance. I disputed some transactions that were fraud and the claim was closed and all the monies was credit back to the account .... Discover should have never closed my account. I want either my XXXX security deposit returned to me immediately or a just like the letter the company sent saying that they have established a new account for me, but when I call they something different .... I would like for the account to be reinstated and a new card sent out to me immediately.
Complaint sub-issue: Receiving unwanted marketing/advertising

I have challenged all XXXX credit bureau agencies, to collect the right data, there is a serious of problems that my credit bureau, continues to allow creditors to review my credit and make inquiries, without contacting me for my personal id number having Fraud Alerts activated. These inquiries, has caused some severe issues and lower my credit score tremedously. I have not authorize them to review my credit without my consent, nor was a phone call ever made to me to address the validity of the inquiry. If these features are turned on, why are they being allowed to enter my credit report and make inquiries without my permission, in addition, there are many accounts on my credit that are not sustained by said creditors, the account were not open at the time stated either, all these have been challenged and continued to be challenged, the effort is becoming endless and I have now resorted to your organization for assistance, since I was immediately helped in the past with a greater issue regarding my mortgage, and the resolution was amazing. Thank you
Complaint sub-issue: Reporting company used your report improperly

I am making the following Complaints and Observations Request for Statement of What Happened : Several months ago I was denied homeowner 's insurance coverage on a personal residence I own in XXXX, Washington by XXXX and XXXX XXXX because of information contained in my insurance report, the details of which were not disclosed to me. Accordingly, I requested a copy of my insurance report from the Comprehensive Loss Underwriting Exchange ( CLUE ), serviced by XXXX, which I understand contains up to seven years of personal auto and property claims history and to which I am entitled under the Fair Credit Reporting Act. In XX/XX/2021 I received an 86-page " report '' from CLUE which contains no history of reported losses or claims or any other relevant information with which an insurer or underwriter can assess risk in issuing a policy on this property. This property was covered by homeowner 's insurance for almost thirty years during which time, to the best of my knowledge, I filed no claims involving this property. I am attaching to this complaint a copy of a letter sent to CLUE on XX/XX/XXXX which contains a more detailed explanation. 


Fair Resolution Question : I am seeking a full and complete report from CLUE that I may review for accuracy to determine why I am being denied insurance coverage. I have carried insurance on this property for 30 years, have no record of claims, and am unable to understand why I have been denied coverage. Without this report, to which I am entitled by law, I can not offer any corrections or assert my rights as a consumer. 

I asked Comprehensive Loss Underwriting Exchange on the advice of Washington State Office of the Insurance Commission. Perhaps CFPB can contact them. Perhaps they will be more forthcoming with you than they were with me. 

Please respond to me at this email at your earliest convenience. 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

This account was added to my credit report almost seven years ago but I didn't own said account, it belonged to my father who has the same name as me. Reached out multiple times and filed a dispute and to no avail
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX equifax and XXXX hace derogatory listed on my profile.i am disputng those derogatory posted.
Complaint sub-issue: Trouble with how payments are being handled

I am having issues with FedLoan servicing because someone is inaccurately reporting my student record to the Department of Education. 

XXXX and XXXX are reporting my status as graduated as of XX/XX/XXXX, going back to XX/XX/XXXX, XXXX XXXX XXXX is reporting my status for XXXX College as not found because I only enrolled at XXXX and never XXXX as of XX/XX/XXXX, the Department of Education NSLDS system is reporting my enrollment status as half-time as of XX/XX/XXXX, and FedLoan Servicing is reporting my enrollment status as currently enrolled full-time as of XX/XX/XXXX. I graduated from XXXX in XX/XX/XXXX and have not enrolled at any institution since. 

XXXX, FedLoan Servicing, and the XXXX XXXX XXXX are saying this is an issue with the Department of Education. The Department of Education is saying this is an issue with XXXX and also stated that FedLoan Servicing is required to accept documentation from MIIS or XXXX to correct my student status. FedLoan servicing informed me that they can only correct my enrollment status using information from the Department of Education directly. 

Instead of being provided with a solution, FedLoan Servicing provided the suggestion of filing a School Related Deferment Waiver Form ( Form SDWFR-XBCR ). I am concerned about filing the waiver because you are only allowed to ever do this once in your entire lifetime and it has potential financial and legal ramifications. I do not feel like this is an appropriate workaround for my situation when rather the responsibility should be for the entity holding incorrect enrollment data to correct it. While I may wish to file Form SDWFR-XBCR at some point in the future, I do not feel I should be forced to file it now as a remedy to my situation. 

I spoke with agents XXXX, XXXX, and XXXX at FedLoan Servicing during multiple calls on the evening of XX/XX/XXXX. I spoke with XXXX and XXXX at the National Student Aid Information Center on multiple calls on the evening of XX/XX/XXXX. At the XXXX XXXX XXXX, I spoke with XXXX in enrollment verifications, XXXX in deferments, and their manager XXXX at approx. XXXX EDT on XX/XX/XXXX. A response from XXXX via email is also attached to this complaint. 

I do not find the current remedies to be acceptable and feel I am being punished because someone else messed up data on me that I am unable to fix. Please help me fix this.
Complaint sub-issue: Attempted to collect wrong amount

I moved out of XXXX XXXX Apartments in XXXX, XXXX. I checked the rent payment portal for my balance. The balance shown was {$110.00}, paid on XX/XX/XXXX. The early lease termination penalty wasn't posted. 

On XX/XX/XXXX ( or just before ) I received a call from Hunter Warfield, a collection agency, and was told I owed money. I asked for a statement, argued and that was that. 
I called XXXX falls, they provided a statement and I paid the amount shown of {$640.00} on XX/XX/XXXX to XXXX. 

A month or so later I received another call from Hunter Warfield. I told them that I paid the money owed directly to XXXX XXXX. 

when I discovered the negative reporting on XXXX I contacted XXXX XXXX. They refused to correct the status of my debt to Hunter Warfield. 

I opened a dispute with XXXX that did not result in a correction.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

What I believe happened, is that University of XXXX charged me too much each quarter and semester. As well as their highly paid professors to teach us students online. The University of XXXX at first had me in another program or was going to change me program to reduce my balance. But that did not happen. So I stay in the program that I enrolled in. I did not go to this college to be a doctor or lawyer. But the debt balance should not be this outrageous highly. I am not working in that field because most employers are hiring for younger people. I have refinance and consolidate this high balance of {$110000.00} debt. This is a house payment or mortgage. Which I have neither at this time. This debt continue to appear on all of my credit report and there is no way to hide it on my report. It is too much. I can not get any loan to help me or give me a leg up or a hand up. There is no hope for me in this situation. I am not able to pay this debt off. The previous college that I went to did not cost me this amount of money. There haves to be a way to have this debt reduce down to {$30000.00} NOT up to {$200000.00} or a XXXX dollars in debt. Some of these loan servers and providers have placed me as a victim so I could finish my education on time. When I finish graduating from University of XXXX they said my debt was not that high. I believe the financial department and their admission office and other financial services at University XXXX XXXX had too many students with too many debt and it got mixed up with my debt. I want my debt reduce to a point that I can pay back. Or remove this debt period. It should not be this high. I do n't believe that this debt should be this high. Each private loan provider and federal aid provider itemized the debt and raised the debt with principle and interest rates that most American and students attending college could not pay back in a timely manner. It would take years to pay off this debt. This college charge me way too much. It should not have been that much. I was only there for less than 2 years. What the XXXX did University of XXXX Arizona do to me. I am not working fulltime but only part time and it is not even worth it. Please look into this matter and investigate what happen. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Despite having credit freeze and fraud alert, Equifax placed three hard inquires on my account on the same day. Their negligence negatively impacted my credit score. 



XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Complaint sub-issue: Information belongs to someone else

-XXXX -ACCOUNT # XXXX -DATE OENED XX/XX/XXXX -AMOUNT $ {$350.00} -XXXX XXXX XXXX -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX -XXXX/XXXX  -ACCOUNT # XXXX -DATE OPENED XX/XX/XXXX AS WELL AS INQUIRIES FROM XXXX/XXXX   XXXX -DATE OF INQUIRY XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are too many problems with my report I am including a letter of explanation on all the issues
Complaint sub-issue: Debt is not yours

The collector name is ERC. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I called their number and spoke to XXXX at XXXX and she said after trying to verify me by telling me the debt was incurred by someone living at an address that did not match mine where the attached dunning bill was sent, that I should file a police report of fraud which is what I am doing I think. Then go to XXXX to let them know this debt is not mine. Hope that is what I should be doing. 
I have a XXXX phone but it is in the name of my company and XXXX says we are totally up to date for payments. I have not had a personal XXXX account since XXXX and this supposedly was incurred in XXXX according to XXXX at ERC.