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

In response, to CFPB complaint in XX/XX/XXXX. 

Since the last complaint, I found no records to confirm the initial acceptance of " Debt Protection '' on my credit card account, and I have some questions. 

Was I automatically enrolled in debt protection? 

If not, how was I initially enrolled in debt protection and prove proof? 
( If it's through a signed document regarding debt protection, provide proof of the document that has my signature or if its through a phone call, provide a recording of the call ). 

After the last CFPB complaint, I've never heard of " Account Shield '' until after I saw Citibank response. Why is the words " DEBT PROTECTION " on only and more clearly on the billing statements? 

Can " DEBT PROTECTION '' be mistaken for something else like credit card protection? 

From Citibank 's response in the last CFPB complaint, and I quote " In addition, within the last 12 months, on page 3 of the XX/XX/XXXX billing statement, there is a reminder in bold print regarding the optional Debt Protection Product that was purchased, which also includes the number to call to discuss or cancel the product ''. It says " within the last 12 months '', why wasn't this message placed as soon as Citibank first took control of the Best Buy  credit card accounts in XXXX? This would have resulted in Citibank getting a cancellation phone call from me much sooner. 

What is the total amount of fees did Citibank, XXXX XXXX, and XXXX gotten from me since the duration ( XXXX - XXXX ) of " Debt Protection/Account Shield ''?
Complaint sub-issue: Used obscene/profane/abusive language

XX/XX/XXXX I retired. I invested {$200000.00} in an oil exploration firm XX/XX/XXXX. The investment went sideways due to fraud XX/XX/XXXX. XX/XX/XXXX I was in poor financial condition and started job hunting ; I was hired by the XXXX XXXX XXXX XXXX XXXX. At that time I retained " XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. XX/XX/XXXX I XXXX at work ( Workman 's Comp reduced income to XXXX ) and was out until XX/XX/XXXX. XX/XX/XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX District Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth 4 or 5 times until XX/XX/XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. XX/XX/XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. XX/XX/XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored both arbitrations attempts. XX/XX/XXXX I found out they had garnished my pay check at XXXX but also my Utah state tax return was taken. XX/XX/XXXX the tax return was a {$3200.00} ( a write off because of the oil loss ), so they have garnished approximately {$7500.00} XX/XX/XXXX.XX/XX/XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. XX/XX/XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah Commission and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to XXXX, Equifax and XXXX on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}
Complaint sub-issue: Reporting company used your report improperly

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXXXXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Complaint sub-issue: Debt is not yours

I have continuously tried and been promised by this company to be left alone regarding this debt. I believe my lawyer even submitted in an affidavit and it continues to sit upon my credit. This company has no respect for the law or the FCRA laws CPFB and with the attempt to do To protect the citizens of this country from what is basically extortion
Complaint sub-issue: Can't close your account

On XX/XX/2020 I closed my account with KeyBank due to their deceptive, unfair, and abusive acts and practices. Despite my account closure, I continue to receive account servicing notices from the bank. In the notices, I have no option to opt out of their communications. While they are account servicing notifications, and not marketing materials ( which would require opt out ), I DO NOT wish to continue to receive any communications from KeyBank. I would like to be put on their opt out lists for all communications, and have their internal controls ensure that they are not sending notifications to non-customers. Can the CFPB please help to enforce regulatory action against this bank, that continues to violate internal procedures and external laws and regulations?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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: Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Complaint sub-issue: Account status incorrect

Credit Karma has been sending me inaccurate credit scores and report through my email and their website Credit Karma Monitoring Service.

Credit Karma company has a business partnership with XXXX and XXXX Credit Reporting Agencies only and not with XXXX. 

On XX/XX/XXXX I received a XXXX alert verification and Notification from Credit Karma that my XXXX XXXX XXXX XXXX XXXX account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX  on XX/XX/XXXX. 
Credit Karma implemented a recent XX/XX/XXXX Transunion credit score of XXXX. 
But Credit Karma hasn't displayed the same information and credit score with XXXX. 

Also, Credit Karma is not displaying XXXX XXXX XXXX XXXX XXXX XXXX of a merchandise credit of XX/XX/XXXX till Present.I have been making timely payments since XX/XX/XXXX till Present. 
I made contact directly with Castle Credit on XX/XX/XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XXXX XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, XXXX and XXXX. 

I been having many issues with XXXX XXXX XXXX their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX are supporting our XXXX XXXX and XXXX in the community of XXXX. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is Credit Karma violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!
Complaint sub-issue: Received bad information about my loan

I have just graduated from my university on XXXX/XXXX/XXXX. Great Lakes says that I will begin repayment on XXXX XXXX, XXXX. I believe that I am entitled to a grace period that would make my payments not due until XX/XX/XXXX. The representative whom I spoke with today stated that there is only XXXX grace period over the life of the loan. The information that I have read online leads me to believe that this is not the case. I will be happy to start making my payments in XXXX, but am not willing to skip my grace period, to which I am entitled.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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: Can't use card to make purchases

Dear CFPB Staff, InXX/XX/2017 I applied for, and was approved for a Citi Double Cash credit card. However, since my first contact with them after the card approval, my card has been blocked by a fraud alert, which could not be resolved due to Citibank 's inconsistent and incompetent identification methods. 

My particular grievances are as follows : 1. Citibank is unable to verify me through numbers I own, even though ( a ) I have one number for 1 year, and the other for 5 years ; ( b ) both numbers on are my XXXX credit report ; ( c ) my numbers are reflected in other longstanding Citibank accounts that do not have fraud alerts and are in good standing.

2. Citibank is inconsistent with procedures to follow after failure to identify through phone numbers. One agent asked for numbers of my non-Citi credit cards and tried to verify by calling other banks ; after completing this step, the agent escalated this to supervisors, who promised to call but never did. One other agent escalated directly to supervisors, who again promised, but did not call.

3. One supervisor, whom I reached upon calling myself, were able to prove the identity after running me through a quiz. She gave me a passcode-style reference number, with which I supposedly could bypass the verification upon the next fraud alert. Agents in later calls refused to recognize this reference number, and ran me through grievances 1 & 2. Furthermore, the supervisor made clear to me that I could not bring up the quiz myself, as doing so may trigger an alert and they would not serve the quiz as a result.

4. After the only successive verification attempt ( purely by luck ) detailed in 3., Citibank refused to note the correct numbers to reach me, which leaves me again in the quandary of grievances 1, 2 and 3.

I believe that diligent fraud detection does have merit, but imposing an intransparent, and ineffective phone verification system destroys the usefulness of any credit card. Citibank leaves no mechanism for updating phone numbers in their fraud team database, and is completely inconsistent, incompetent, and intransparent regarding further verification steps should phone verification not work.

I have very pleasant experiences with the fraud teams at XXXX and XXXX XXXX, and believe Citibank is the only institution I do business with that is utterly ineffective at addressing fraud alerts. 

It is my sincere hope that CFPB looks into this matter and bring Citibank into action in repairing their fraud resolution system. 

Best Regards, An unsatisfied Citibank customer
Complaint sub-issue: Personal information incorrect

I viewed my credit report with Equifax online on XX/XX/XXXX, report # XXXX. I found incorrect information involving inquiries by an unknown co. ( XXXX XXXX ( this one affects my credit score ) and XXXX XXXX XXXX dated XX/XX/XXXX ) also incorrect town of residence ( it says it was reported in XX/XX/XXXXthat I lived in XXXX Pa XXXX ( I'v lived at my present address in XXXX, Pa since XXXX ) and an inquiry by XXXX XXXX XXXX XX/XX/XXXX . I'v never applied to XXXX XXXX for Ins. as far as I can remember. Equifax only lets you file a dispute if your accts. or creditor info is wrong. They do not give you an opportunity to correct the information that I listed above. Nineteen yrs at the same address is important I think for any possible creditors to see and my credit info does not show that. The inquiry from XXXX XXXX on XX/XX/XXXX was a hard inquiry which means it affects my credit score, and an inquiry by XXXX XXXX while not affecting my credit score, is at the bottom of a long list of insurance companies that I was trying to find a better rate with. I did not go to XXXX XXXX because my car was too old by that time to qualify for their new car replacement option. Equifax does not give the opportunity to remove or dispute any of this type of information.
Complaint sub-issue: Debt resulted from identity theft

XX/XX/XXXX I received a collection notice from I.C. Systems, Inc. trying to collect a debt from XXXX. The letter was in my name but sent to an address I have never been to or lived at, then crossed out & forwarded to where I do live. I tried to contact them to resolve this & got no where. I have since received more letters, the latest XX/XX/2016. I called I.C. Systems on XX/XX/XXXX AGAIN, spoke to XXXX. She informed me I needed to call XXXX, which I did. I spoke to XXXX at XXXX, he looked up the account & verified that neither my ID, social security nor my address matched what they had & felt that I.C. Systems is sending this to the incorrect party. He instructed me to call I.C. Systems back & relay this info & tell them they need to stop contacting me since they are not doing their job correctly and if not I should file a complaint against them. Approx. XXXX., I called I.C. Systems back & spoke to XXXX. He was very adamant about not wanting to hear my explanation & said it was out of their hands, that XXXX was handling it. I told him that was false, I just got off the phone with them & would like them to stop sending these & he preceded to hang up on me.
Complaint sub-issue: Debt is not mine

This debt is related to an XXXX admission that occurred in 2010 at XXXX XXXX, XXXX. I do not remember the exact circumstances, but has an idea which i remember, and the facts my wife has explained to me. 
I was discharged XXXX following the morning admission, despite the protest from my wife, who is an XXXX She protested the discharge as I still had XXXX. Despite her protest, I was discharged. I then had XXXX which occured following a XXXX. 
In the evening, I was returned XXXX and again I was admitted XXXX. As far as I know, it was a weekend and from the XXXX, I was in the hall way as there was no room, or so. I was in XXXX until I was readmitted. 
The same admission had XXXX XXXX visits XXXX in the morning and the next XXXX in the evening. On the initial admission, I was discharged before XXXX, and only to return to the hospital by evening. The second admission resulted in the hospital stay, but for the same problem. 
As per my insurance coverage, XXXX is completely covered, but as the same admission had XXXX XXXX, Insurance paid only a portion. 
I initially had a bill from XXXX for the amount the collection Agency is billing. To that bill, I send by complaint, and I did not had any further bills or notices from the XXXX. And after an XXXX of three or four years, I had a notice from the collection agency. Though I informed the collection agency by phone and in writing, I again has notices and calls. Hence, I request CFPB to look into this.
Complaint sub-issue: Trouble with how payments are handled

I have made Extra payments to be applied to my principal balance and have selected that option. Citibank keeps putting it towards my Monthly balance. This is XXXX me up to pay off my balance quicker.
Complaint sub-issue: Didn't receive notice of right to dispute

I notice on my credit report LJ ROSS ASSOCIATES IN is reporting a balance of {$140.00} which I do not recall I requested a signed document bearing my signature stating this account belongs to me. This item is reporting on XXXX, XXXX, and XXXX. This is a violation of the FCRA. I havent received anything from this company nor spoken with anyone to verify this account is linked to me.
Complaint sub-issue: Problem during payment process

On XX/XX/2022, I sent payment to Discover Payment Center at XXXX XXXX XXXX XXXX AZ XXXX via USPS. I used the negotiable instrument given by Discover Financial Services via payment coupon attached to the billing statement and endorsed it as directed via the Bill of Exchange Act. This payment was delivered and received by Discover as of XX/XX/2022. The company has yet to apply the payment to the balance, and settle the account. I am aware that if the bill is dishonored, there is discharge to the extent of the amount of the tender pursuant to UCC 3-603 Tender of Payment.
Complaint sub-issue: Account opened as a result of fraud

i recieved an email that a bank account was opened at key bank 0n XX/XX/XXXX. have been trying to call them since can not get through to anyone. i do not use key bank at all and gave no one permission to open an account. im very frustrated with this. i do not have time to call these people what do i do. 


Dear XXXX, Making financial progress feels great, and you just took a big step toward reaching your goals. 

Welcome to your new : Account Name Account Number Opened Key Smart Checking ... XXXX XX/XX/XXXX Name : Key Smart Checking Number : ... XXXX Opened : XX/XX/XXXX *Your account 's details and disclosures To keep your information secure : When we contact you by phone, email or via text messages, we will never ask you to provide your full social security number, full account numbers, user id, password, or answers to your online banking security questions.
Complaint sub-issue: Information belongs to someone else

On Closed case # XXXX through the CFPB case, XXXX indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2020 Lexis Nexis was contacted on how they verified a bankruptcy on they they reported to all 3 major credit bureaus and have yet to provide me with the requested information.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had called XX/XX/XXXX to have an authorized user by the name of XXXX XXXX removed from all my accounts. The citi bank representative assured me he had been taken off but in XX/XX/XXXX he was still able to use the card that was supposed to have been deactivated to make charges for a cruise ship. Citi bank failed to properly remove him thus allowing these charges to be made. They keep refusing to remove the charges because they cant find the recording of the phone call when I asked to have him removed which is completely unfair to me. Because they failed to do their job correctly I am punished?!? I dont think so. I have called over 20 times and spoken to multiple departments and supervisors and now they are just completely rude and they hang up on me and its completely unfair and unprofessional. These charges need to be removed. Citi bank and XXXX XXXX ( the person who was not supposed to even be on my account anymore in XX/XX/XXXX ) are responsible for these charges not me!! Furthermore they allowed all of Mr. XXXX contact info to be kept as the primary contact info on my account leaving me completely in the dark about these charges even being made. HORRIBLE CUSTOMER CARE! I have even sent letters to try and get the correct resolution and no one responds and their representatives on the phone are awful and no help at all. This has been a completely nightmare!
Complaint sub-issue: Company closed your account

Citibank closed all my credit card accounts. They sent a letter stating that my activity was inconsistent with normal behavior. I have no idea what that means and they had no right to close all 4 of my accounts, both business and personal.
Complaint sub-issue: Account status incorrect

In accordance with the fair credit reporting act : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 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. 

XXXX was paid off on XX/XX/20
Complaint sub-issue: Information belongs to someone else

/I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately Creditor : XX/XX/XXXXAccount number : XXXX Opened:XX/XX/XXXXBal : {$15000.00} Creditor : XX/XX/XXXXXXXX Account number : XXXX Opened : XXXX Bal : {$320.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$610.00} Creditor : XX/XX/XXXXAccount number : XXXX Opened : XXXX Bal : {$2600.00} Creditor : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$17000.00} Creditor : XXXX XXXX Account number : XXXX OpenedXX/XX/XXXX Bal : {$250.00} Creditor : XXXX, XX/XX/XXXXAccount number : XXXX Opened : XX/XX/21 Bal : {$260.00}