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

On 3 occasions Citibank has submitted a exorbitant and unapproved payment which has caused my bank account to go into negative an incur fees. This was supposed to have been resolved last month, but has happened again. When reported to customer service, the credit card company at first failed to take responsibility. At first they tried to blame my bank, then they tried to blame me, then they tried to give me minimal compensation even after admitting their fault. Only after persistent calling and finally escalating to an account manager did Citibank take responsibility and compensate me for incurred fees. 

The problem has arisen again, and again Citibank is failing to take responsibility. 

Dates : On XX/XX/2019 my bank account was charged {$8800.00} by an ACH process triggered by Citibank. I contacted customer support immediately, and was told it wasn't on their side. My bank returned reversed the ACH and charged me a fee. 

On XX/XX/2019 and XX/XX/2019 the same amount was charged and was reversed the following days by my bank. I had to state my case multiple times and argue with multiple customer service agents. I was offered less than the fees charged, but was finally compensated on XX/XX/2019 of the full amount of fees which was {$100.00}. 

On XX/XX/2019 the amount of {$8500.00} was charged to my bank. I contacted customer support who again did not take responsibility for an unauthorized payment. 

Citibank also fraudulently affected my credit score by misrepresenting my balance ( most of which is in dispute and should not have been posted until the dispute was resolved ).
Complaint sub-issue: Debt was paid

Good afternoon the company below is still effecting my credit. The debt has been in default for more than 6 years. The last payment was made on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX Owner XXXX XXXX Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 2 Balance {$4700.00} Date Opened XX/XX/XXXX Amount Past Due {$4700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount {$140.00} Months Reviewed 4 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1900.00} Balloon Payment Date Balloon Payment Amount Loan Type Note Loan Date Closed Date of First Delinquency XX/XX/XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

In XXXX I attended XXXX XXXX XXXX to obtain my XXXX licensure XXXX XXXX, Florida. The student aide dept there obtained funding for my program and I signed for the loans. I had very little understanding of the process & or lender. 

I, obtained myXX/XX/XXXX license and worked in the field for XXXXyrs after as a XX/XX/XXXX 
In XXXX, I went back to school to obtain my XXXX. In my XXXXrd year I was hindered by the inability to procure loans for school. 

In XXXX, I entered a loan rehabilitation program to rehabilitate my student loans ( all defaulted loans ) I enrolled in XXXX in XXXX of XXXX and have been attending since that time. 

Having received my default clearance letter due to loans rehabilitation completion. 

Since, XXXX of XXXX the debt collection company continues to report and actively seek payment on debts they claim I owe. They refuse to remove incorrect remarks from credit reports and incorrect reports from XXXX XXXX  as Dept of Education has provided should be done due to the umbrella loans into rehabilitation and the XXXX XXXX reporting regulations. 

I have no knowledge of ever entering into any agreement with ECMC as a loan servicer in XXXX for XXXX XXXX XXXX for XXXX XXXX license or any other degree. Yet, the company continues to cause detriment to my credit rating and harase for payments I do not believe are owed through this last two years ; while I have been attending XX/XX/XXXXas a full timeXX/XX/XXXXXXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I was contacted several times by a company calling themselves FMS, a debt collection service. They asked to speak with " my name '', and I stated this is him, how can I help. They inform me they are FMS and it regarding debt collection. They then refuse to tell me who the creditor is, the reason of the debt and the original creditor until I give them my date of birth and social security number. 
I offered to verify they have the correct information or not but they refused to cooperate. I informed them I will never provide that information to a caller, don't care who they say they are. They informed me they can not help clear this up if I do not cooperate. I informed them not to call me again if they insist on this game playing. 
Since that first time I was called on XX/XX/2020 at XXXX MT and XX/XX/XXXX ( I do not have the time for that showing up but I am certain I can get it if needed from XXXX   ). 
I do not remember the date of the original contact but so far I have told them 3 times to not call me again. First not to call if they continue with same withholding information until I provide private information then the 2nd and third time I told them not to call me again no matter what. 
I got a letter from them on XX/XX/XXXX that it is a medical debt from a local hospital demanding full price of {$3400.00} which would have been settled with insurance for about {$600.00}. Also, some of these debts may be covered through a Workers Comp issue but they do not outline all the charges, they just say ... Multiple - See Reverse, then just an account number and amount owed is listed on the back. Ridiculous! 
I have called back to get information but again need to verify all the social number, date of birth etc. 
Company is Oklahoma  FMS, Inc. in XXXX Oklahoma. The original creditor is XXXX XXXX XXXX Hospital in XXXX, Idaho. 
I am sending a letter to them demanding an outline of charges and dates. They refused to provide information to me or even permit me to place a request over the phone for any information until I verify over the phone. 
I want them help to the full extent of the law and penalized for their behavior, demands, and phone calls when told to put in writing and not to call me.
Complaint sub-issue: Information belongs to someone else

address wrong: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 

accounts not mine 
XXXX XXXX XXXX  dept of ed/ XXXX  (all)
XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (all)
XXXXXXXX XXXX XXXX  card
Complaint sub-issue: Problem during payment process

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Citi. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership and was ignored. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. I have been contacted by Citi at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. When they were unable to attack my credit any longer, they turned to my daughter 's who was an authorized user and added when she was XXXX years old. I spoke to two Client Specialists who removed her from the credit cards. However, when I asked if they were going to report her as not delinquent to the credit reporting agencies, they told they would investigate. Citi has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX and may not XXXX for another year.
Complaint sub-issue: Information belongs to someone else

There 's way too many unauthorized hard inquires on my credit report. Only a hand full of those inquires are actually done by me.
Complaint sub-issue: Account information incorrect

I've disputed this account with the credit bureaus with no change in the balances over the past 3 months. Most recently XXXX XXXX company ( XX/XX/13, XXXX ) to discuss information on credit report that hasn't been updated in months. Rep stated that the account information was reported on the XXXX of XXXX. As called to check the status of a name change that I submitted via fax XXXX which still hasn't been processed.
Complaint sub-issue: Information belongs to someone else

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX is a gym membership that I had set up as a monthly charge on my Discover Card. I also was paying, for a period of time, for a separate membership for my son on the same card. XXXX has always been problematic ; continuously and egregiously raising the fees they were charging, attempting to double charge my account for several months, trying to pass through charges on my son 's membership after it had been canceled, not honoring the terms of a written agreement I had requested from my gym location 's customer service manager, etc I had various forms of communication with Discover Card personnel about my continual problems with XXXX. It seems that they took my side on these disputes and even blocked my credit card account from future charges from XXXX. 

Imagine my surprise when they reposted a {$54.00} charge from XXXX on my account in the latest billing cycle after promising that I wouldn't see any more charges from this vendor. ( They later rebated {$15.00} from that amount ). 

It appears that Discover has decided that even though they have decided in my favor about virtually every dispute that I've had with this vendor, if they allow enough time to elapse, they can try to pass through a charge from a disreputable vendor. 

I don't use the term disreputable vendor lightly ; XXXX was cited by the NY Attorney General  for continuing to charge customers for membership fees during the period that their gyms were closed due to the current pandemic. 

It appears that Discover would rather take the side of a company that is now defending itself in a class action lawsuit as opposed to a loyal card holder who has always paid his obligations on time over many years. ( I've been a Discover Card holder since 2006 ).
Complaint sub-issue: Unable to open an account

On Wednesday, XX/XX/XXXX I went to a branch of Citi Bank located in XXXX XXXX XXXX in XXXX. 
After I spent about an hour, answering to hundred of questions like phone numbers and addresses of my previous employers, and their phone numbers, I finally got the paperwork and termporary debit card. 

Same day, when I tried to activate my card, I got an error message. After a few tries I decided to call but the lady wasn't able to locate any of my accounts. 

I was trying to reach them next day, but the answer was the same. Then I called to the branch, but didn't get a clear answer. 

The next day, I spent another hour on a phone when another lady picked up the phone and told me there is no account, and I should go to the branch to start the process from scratch.
Complaint sub-issue: Information belongs to someone else

I got a copy of my credit report and saw, that there is information which NOT belongs to me. I have never applied for these accounts, i don't have contracts or agreements WITH MY SIGNATURE which proofs, that these accounts are mine. I believe, that i was victim of identity theft.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

i payed 30 % of my debt with Citibank credit cards and in return the decreased my limit within one day of my payment and the consequences of that will hurt my credit score even more.

the have already reported me for having used up my credit limit to 90 % and now when I bring it down to 60 % the decrease my credit limit.

that is total abuse of human kind. 
i will fight this tooth and nail!
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB. I am really disappointed with the result of the recent inquiry/problem with the citi card reporting me to the credit bureau. I did speak with their representative XXXX XXXX XXXX. She insists that, after requesting paper statement, later on I REQUESTED PAPERLESS STATEMENT. THIS IS A LIE! As well as she said that they sent me a text messages! Another lie! From XX/XX/XXXX to XX/XX/XXXX I did not pay bill, because I WAS EXPECTING BANK STATEMENT. Which never came! I just had XXXX (! ) being charged there, so, I forgot. At that time I was distracted as well. I had very serious personal problem. So unfortunately, I forgot to DOUBLE CHECK my statement online. Which I admit I should have! That is why I am BEGGING YOU, please do n't let them get away with the lie! She said they called me MULTIPLE TIMES! Maybe! But never left a message!!! IT WAS UNKNOWN to me number so, I did not pick it up! When I finally picked up and found out what was it all about, I PAID THE BILL IMMEDIATELY!!!! PLEASE! We, consumers are at the mercy of this financial institutions who time and time again love to rip us off at every opportunity there is!!!! I do not consider this as a fair solution. I have also mortgage with the citi bank. As soon as I pay my mortgage off ( which will be in XX/XX/XXXX ) I am closing my business with them!!! Very unfriendly!!! Unfair institution!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting an account from a company named XXXX XXXX that I disputed. They say the XXXX account is verified as accurate. However, I don't have any letters or statements from XXXX XXXX regarding the account. The account is reporting Not_More_Than_Three_Payments_Past_Due ; which is affecting my credit rating. I don't know what this account is. The reporting on the account is sporadic and inconsistent & doesn't make sense. There is no Credit Limit information reported from XX/XX/XXXX ( when Equifax says the account was opened ) through XX/XX/XXXX to verify. Additionally, there is no, Balance ; Credit Limit ; or High Credit info from XXXX XXXX XXXX. But Equifax says the account was open during that time. There isn't Actual Payment info for the entire time the account has been open however there is Payment History reporting from XX/XX/XXXX- XX/XX/XXXX. Equifax is reporting the : Amount Past Due was 1st reported in XX/XX/XXXX & theyre also reporting the Date of First Delinquency as XX/XX/XXXX. Again sporadic inconsistent reporting does not comply with the FCRA. Based on the reporting inconsistency of the account, Equifax is not reporting complete accuracy. The account # ends XXXX I dont have an account with any combination of those 4 digits.
Complaint sub-issue: Reporting company used your report improperly

This is regarding a consumer credit transaction with your company. I demand that you Cease and Desist from disclosing/reporting any of my old/new " nonpublic personal information '' with all " nonaffiliated third parties '', which includes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX etc.. 15 USC 6801 ( a ) clearly states : " ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Please be advised that you have a legal obligation to protect and not share my nonpublic personal information. 

" Nonaffiliated Third Party '' Defined : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, '' Furthermore, I Do not and have never given your company consent to share my nonpublic personal information, and should there be an " Non-disclosure '' clause in your agreement/contract giving you the option to share my nonpublic personal information, I am demanding that your company provide me with the original unaltered agreement/contract with said clause included so that I can opt-out of your sharing of my nonpublic personal information. 

Per 15 USC 6802 - Obligations with respect to disclosures of personal information Before you shared my nonpublic personal information with nonaffiliated third parties, you were obligated to A ) provide me with a physical or electronic notice informing me that my nonpublic personal information may be shared with nonaffiliated third parties, B ) Give me an opportunity, BEFORE such information was shared to direct that such information not be shared AND C ) Provide me with an explanation on how I can exercise such nondisclosure option. 

With that being said, you infringed upon my privacy, violated several federal laws and took advantage of me by not informing me of my rights. Due to your negligence and furnishing/reporting of my nonpublic personal information to nonaffiliated third parties such as XXXX, XXXX and XXXX, I have been damaged, embarrassed and forced to miss out on personal and business opportunities. I hereby demand that all negative information ( E.g. Late payments, payment status, status, remarks, payment history guide ) regarding the account referenced below be removed and updated to Paid on time, Paid as agreed etc. 
account number " XXXX ''. Should you accept my demand, I will not escalate this matter further to a federal complaint and or suit. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Personal information incorrect

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report, I can say that I've tried for 4 times or more, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
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 the 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. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX XXXX {$71.00} XXXXT XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I requested a copy of my credit report on XX/XX/XXXXand discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the 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 bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : Original creditor : XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I currently paid XXXXXXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX & Equifax on XX/XX/2018 Merchants and Medical XXXX on XX/XX/2018 XXXX XXXX XXXX Equifax on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXXXXXX XXXX all three credit bureaus told me that none of these items were being disputed by XXXX XXXX and that have not received anything from XXXXXXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ) and ( XXXX XXXX XXXX XXXX Account # XXXX ) have 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