Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

Background : I have a Citi Bank XXXX XXXX XXXX. Last year my card number changed and a new card was mailed to the incorrect address. When I looked up my account on mobile app, it showed my account as closed. This was fine because I wanted to close the account anyway. With covid, I wasnt traveling and didnt need the points. Earlier this year, I started getting notices of a past due amount, which I thought was an error b/c I no longer had a citi account. After getting a second late notice and investigating further, I realized my account had never been cancelled and the account balance was membership fee charged at start of the year. I called in to citi in XXXX to figure out what happened ( thats when I learned about the incorrect address/new card/etc ). I wanted to cancel my card then and get a credit for the fee because I didnt even know I had a card and hadnt used it in over a year. They convinced me to keep the card, they would give me a credit for {$99.00} fee once I charged the {$99.00} in purchases. This was on XX/XX/XXXX. I waited for new card to be mailed to me, that took a bit, then tried to use the card a couple times. At first, didnt realize it wasnt applied b/c I used it on XXXX, and when it declined, XXXX automatically switched to my XXXX  card. Tried in a grocery store. Kept getting denied. I called citi bank in early XXXX to figure out what was going on. This is when the the situation that is leading to this complaint began. 

Complaint : I found out through collections that I could not use my card b/c of how past due it was, so I never could have received my credit. Collections sent me to customer care to resolve. My call was disconnected. Called back, I was disconnected from customer care again. Called for third time, got through collections again ( no issues ), and once I got on with customer care, they complained they couldnt hear me bc I was a cell phone. Never mind that I was just on with collections and had no problems, and that I work from home on the phone for 12 hours a day with no problems. They hung up on me. This was on XX/XX/XXXX. The collections agent had put all the notes on what happened at the top of my account. 

I called again on Saturday XX/XX/XXXX. Finally got through to customer care who said the credit had been requested on my account, and was being processed, to give it 3-5 business days. I checked my account the past week. No changes. 

I called again today and was disconnected twice from customer care, again, no issues with collections. 

My account is now 90 days past due, I have near perfect credit. I want my account closed, my money back, and credit report fixed for the past 2 months. Ill give them the first month bc I didnt make my payment and had not yet contacted them until I got my late notice. 

My biggest issue here is the customer care line. I literally can not speak to a person to get this resolved, citi has no branches in my area. What am I supposed to do to fix this?
Complaint sub-issue: Threatened to sue on too old debt

This company called me and told me that i had a XXXX XXXX from XXXX bank that i never owned. They also told me that they would sue me and garnish my paycheck if i did not pay this debt back immediately. When i told them that i did not have a XXXX XXXX they told me that the debt was all the way back from 2012 and that i was no longer allowed to dispute the debt. they then had me set up a payment plan. I asked them to please send me a letter in they mail and a gentleman named XXXX XXXX kept saying that he personally sent it out but i have n't gotten it yet. They have only sent me emails with a non existent letter head with out an address. The email doesnt come from an email address that you can return mail from. I think that this is a scam and they scammed me out of a lot of money.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I HAVE SEVERAL ERRORS AND INACCURATE INFORMATION ON MY CREDIT REPORT MY NAME SHOULD APPEAR AS XXXX XXXX  XXXX PLEASE DELETE ANY AND ALL VARIATONS OF NAME NAME. 
i NEED THE FOLLOW ADDRESS REMOVED FROM MY CREDIT REPORT : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE 3 ACCOUNT THAT NEED TO BE DELETED FROM MY REPORT THEY ARE IN ERROR THEY WERE SUPPOSED TO BE DELETED UNDER SETTLEMENTS WITH THE ORIGINAL CREDITORS PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX**, XXXX XXXX XXXX # XXXX**** THEY ARE NOT ACCURATE!!
Complaint sub-issue: Account information incorrect

This account is reporting as " Repossession '' when in fact it was a lease termination. They circumvent Bankruptcy laws with regards to Repossession, by setting up their contract as a " Lease with the option to purchase '', maintaining their ability to retain possession of their leased property, under the guise of the vehicle not being collateral to secure an actual loan. This being said, they do not get to ALSO incorrectly report the account as a " repossession '' in pursuit of an {$8000.00} deficiency balance, when they simply terminated the lease contract and retained their own property. Again, this was not collateral used to secure a loan and therefore not a repossession.
Complaint sub-issue: Transaction was not authorized

A chargeback was filed on XX/XX/XXXX for a item that was never received. Key bank reversed the chargeback XX/XX/XXXX. Keybank claims they sent paperwork that I never received. They refuse to give me any information about the dates of their investigation, what their investigation entailed, whether or not they spoke with the other party. I have requested call backs from a disputes department three times and never heard back. Keybank had 6 months with which to completed their investigation and they ran out the clock in order to reverse my chargeback request and take my money. The charge was fraudulent, they have no grounds with which to do this.
Complaint sub-issue: Information belongs to someone else

I recently contacted the CFPB ( Complaint # XXXX - Submitted to the CFPB on XX/XX/2019 ) in order to assist me with the Equifax Credit Bureau continuing to report accounts that were Verified as Fraudulent after I had suffered an extensive ID Theft and Multiple Account Takeover as reported to Federal and State Law Enforcement Agencies and all three Major Credit Bureaus. The Equifax Credit Bureau did respond to the Complaint with the CFPB by removing the Fraudulent Accounts from my credit report file but FAILED to Remove the following account that is still being reported as follows : XXXX XXXX XXXX XXXX   Account : CLOSED - Account Number : XXXX Status : PAYS 61-90 DAYS Account Owner : Individual Account. High Credit : {$29000.00}. This account had extensive fraudulent activity after a Takeover and is still being reported by Equifax as a Closed Account with a High Balance and as Past Due and Over Limit, which is Incorrect, Illegal per Federal Fair Credit Reporting Laws ( FCRA ) and Extremely Damaging to my Personal Credibility. The charges on this account are exactly as fraudulent as they were on all of the other accounts that were reported to and verified by Federal and State Law Enforcement Agencies and all three Credit Bureaus. This Account Must Also Immediately be removed from my Credit Report. 

IN ADDITION >>> I have Notified EQUIFAX and XXXX SEVERAL TIMES Online, and By Phone with their Specialized Fraud Departments that AS THEY WELL KNOW that ALL of my personal information is public and available for sale on the underground web and that Fraudulent Attempts to use my Identity are still being made and inquiries are being placed on my credit report and I am receiving calls from Creditors Regarding opening up a new account as a result. I reported the inquiries as FRAUDULENT to Equifax & XXXX and they Insisted I contact the creditors and Request them to remove them due to their being fraud which I did - But they ALL sent me back to Equifax & XXXX - WHO REFUSED TO DO ANYTHING ... so ONCE AGAIN I AM STUCK WITH FRAUDULENT INFORMATION ON MY CREDIT REPORT WITH ONLY THEM DUE TO THEIR REFUSING TO OBEY FEDERAL LAWS AND REMOVE CONFIRMED FRAUDULENT ACTIVITY FROM MY FILE. Equifax and XXXX Need to Obey Federal laws to the Letter ... or my next Step is a BILLION DOLLAR FEDERAL CLASS ACTION LAWSUIT AGAINST THEM. FIX THESE ISSUES NOW!!!!! OR SEE YOU IN COURT ASAP.
Complaint sub-issue: Company closed your account

I received a letter regarding my USBank XXXX XXXX credit card month ago, and said it's under review and access is limited. After calling them they told me account is closed, and there is nothing they can do WITHOUT ANY REASONS. I have this credit card for almost 6 years and everything is in good standing, and still have about {$50.00} in rewards that haven't redeemed yet.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened a checking account on KeyBank due to a promotion that, if met, a XXXX-dollar bonus would be deposited into my account. I opened in person through a branch. Months later, after fulfilling the required direct deposit, my bonus still hasn't gone through. I called customer service to ask what had happened. They told me that there was NO promotion applied to my checking account. The banker who opened my account even confirmed that the promotion code was applied to my account when I opened it. I called the branch, and the banker who opened my account is not working there anymore. All of the e-mail correspondence between me and the banker who opened my account is still with me, including the part where he asked me to give him the promo code so he could apply it to my checking account.
Complaint sub-issue: Account status incorrect

I have confirmed on XX/XX/2022 with XXXX XXXX XXXX that my account is NOT delinquent and it should not be showing as such on my credit reports and they have confirmed that they have no records showing that my account is delinquent yet it is showing as such on all three credit bureaus. This needs to be corrected.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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: Account status incorrect

I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called Fed loan servicing to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the XXXX is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.
Complaint sub-issue: Overdrafts and overdraft fees

BB & T has done ti to me again now they are XXXX my direct deposit to the point I ca n't provide any food for my family or even get present for my grandchildren for XXXX They are always too busy to work with customer to clear up such mess and they have XXXX assigned ot my account and prior she just blew me off and then has done such again.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX, We opened a Citibank Online Accelerated Savings acct. in XXXX, TX. We funded it from our XXXX XXXX XXXX acct via a transfer of funds from the sale of our XXXX residence. We had our mail forwarded to our XXXX, NM home where we were going to stay for several weeks. XX/XX/XXXX, Citibank mailed us debit cards which we did not request so we were not looking for them. The Post office was still sending mail to our mailbox even though we had it  forwarded. The cards were stolen from our mailbox and apparently the PIN code was also stolen. XX/XX/XXXX A thief activated the debit card and made 4 withdrawals from our savings totaling {$1100.00}. We were vacationing in XXXX, NM at the time of the theft. We called Citibank on XX/XX/XXXX, when we noticed the withdrawals. We reported fraud and stolen debit cards to Citibank and had the cards blocked. They gave us a case #. We reported the theft to the US Postal Inspector. The next day, XX/XX/XXXX, the same debit card was used again for 2 more withdrawals totaling {$1300.00}. We called Citibank to report fraud again and they did not show the debit card used in previous day as blocked. They opened another case for the new fraud and blocked the card again. 16 days later on XX/XX/XXXX, we recvd an email from Citibank denying our fraud claim. We called Citibank again and were told the original complaint by us was not logged as fraud, the card not blocked but they would fix report and re-file. They gave us a 3rd case #. 3 days later we recvd an email that the claim was denied since our debit card was used and a PIN was used so we had no defense. How can Citibank deny our claim Under Reg E. We notified them within 24 hours of the fraud and had card blocked. They will not even give us back the money taken after they were to block the card. We were forced to have a debit card which we did not want because they said that is the only way to access our account since it was an online savings. We have since withdrawn most of the money fearing more fraud will happen. Citibank would not allow us to transfer the money out the same we we transferred it in to them. We had to wire it out in several transaction over several days which they charged us a high fee for. We have several questions. How can someone activate a debit card without having to provide any security other than using a stolen debit card and stolen PIN. I have had to answer multiple security question and have codes texted to my phone just to even talk to a Citibank rep but a thief can take my money with no security at all. We have receipts to prove we were in New Mexico at the time of the theft in XXXX. We have our phone call log showing our calls to Citibank. We have emailed correspondence from Citibank showing their mistakes in handling the fraud. We have filed a Police report. All we ask is for Citibank to return our stolen funds as required by REG E. Thank you
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # 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: Debt is not yours

I have made a complaint agains PMAB LLC with the credit bureaus as well as the CFPB about a debt that is not mine. The first complaint they said they sent something in the mail to me i have not received. Second i sent in a validation request on the account. I mentioned to them that if it is being reported to the credit bureaus before i validate it i would file a complaint. Well here goes that complaint. They removed it from my credit reports and then not to long after they told CFPB they sent me something and CFPB closed the account they re-inserted it back on to my credit report. I did not have a chance to validate as i don't have what they claim they sent me.
Complaint sub-issue: Account status

I filed a dispute regarding some deliquencies reported on my credit report by my student loan XXXX where I was granted a forbearance prior to the date of the delinquencies through a date after the delinquencies, and requested that my information be updated pursuant to FCRA 623a2B stating that Information must be updated as it becomes available! I sent the information in and the credit reporting agency did not update my information or investigate the information with the creditor and have them verify or respond to the updated information.
Complaint sub-issue: Reporting company used your report improperly

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Information belongs to someone else

There are accounts and personal information that are showing on my credit report that are NOT mine. I've called, sent letters and still no solution to this problem.
Complaint sub-issue: Old information reappears or never goes away

Ally Financial was closed out from Bankruptcy has {$0.00} balance** XXXX XXXX XXXX is still showing from XX/XX/2013 past ( 7 ) years**** XXXX XXXX XXXXXXXX was paid off in full and still showing on my credit report***** XXXX 's is still showing on my credit report closed out in XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my credit report closed out XX/XX/XXXX, XXXX Bankruptcy was dismissed XXXX  XXXX ****
Complaint sub-issue: Fraudulent loan

Reached out to lender, no action taken, no response given.
Complaint sub-issue: Can't get flexible payment options

Enterprise Recovery System continues to contact my employer even after I had sent a letter indicating not to do so. They continue to harass my employer.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter
Complaint sub-issue: Charged too much interest

I have a Best Buy Visa Card. Never intended to get it at first because I have other credit cards. One time at a Best Buy store one of their sales agents was able to trick me into getting one after he said that there would be ZERO interest for 2 years and IF EVER I WILL STILL OWE THEM SOMETHING BY THE END OF 2 YEARS THE INTEREST TO BE CHARGED WOULD BE BASED ON THE END BALANCE ( caps for emphasis ). I have been paying, religiously, regularly and on time at least the minimum since the start. Payments were thru autopay. The promo period ended last XX/XX/2018. By Statement Closing Date XX/XX/2018 my balance was only {$650.00}. I knew interest would be charged by the next closing date but -- with all honesty -- was not expecting that it would be unconscionable. Since everything was on autopay, I did not bother to check said account. That is why I almost fainted when I saw today that I was actually charged {$820.00} supposedly as interest. All along I was assuming that my balance to date would only be around {$100.00} since I paid larger amounts after XX/XX/XXXX. Obviously, the guy who offered me the credit card at the beginning either did not know what he was talking about or deliberately misled me. I called Best Buy Customer Service but was transferred to a CitiBank Call Center agent by the name of XXXX who was not only unhelpful. She was INCOMPETENT AND RUDE. The call was placed just tonight at around XXXX XXXX Time. She could not even give me a detailed calculation as to how on earth the {$820.00} was arrived at. So I tried calling back the Best Buy Customer Service Hotline and made it clear at the start that I did not want to be transferred to a CitiBank Call Center Agent but still it seemed like they could not hear my pleas. Having hit a dead end, I am now hoping that CFPB could help me because I could not pay such unjust balance. I am willing to pay since I am aware that I have to settle my debts but only the fair balance. I now feel like Best Buy and CitiBank conspired to deceive me. I am now seriously considering filing Chapter XXXX Bankruptcy.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have a consolidated loan with Nelnet/XXXX for my ex husband who is now deceased, and myself. We consolidated approximately {$12000.00} principle of his loans and approximate {$7000.00} of mine, in XXXX. 
Upon our divorce, we made an agreement that each of us were to repay on a schedule. Due to many hardships in our lives, we have used the forbearance and wage repayment schedule. 
He died in XX/XX/XXXX and his Plus loans and other federal loans were forgiven, however, a company called XXXX XXXX XXXX has recently started calling me at work, after I requested they not call my work number and gave them my cell number. They call to get a repayment plan with their company.I have received a letter from their offices stating I had 30 days from XXXX to request a hearing. I responded with the form provided requesting a settlement or a hearing in person. XXXX XXXX is threatening a wage garnishment if I do not not enter into a verbal repayment plan over the phone and will not consider a settlement on my loan debt balance ; they insist on collecting the deceased   husband 's principle and 22 years of interest. They have requested documents supporting the loan original balances and the certificate of death of my ex husband. I have emailed, faxed and mailed all these documents, including bankruptcy forms for which my debt was listed in a bankruptcy in XXXX.