Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX ( {$400.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX ( {$540.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX XXXX {$530.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX all 3 credit company show inaccurate payment status please remove you cant report different information for the same account XXXX XXXX XXXX all 3 credit report showe different balance and payment status please remove and was never late you cant report different information for the same account XXXX XXXX XXXX XXXX was paid on time please remove this account XXXX XXXX XXXX please remove this account all 3 report show inaccuracy please remove this account it is illegal to report same account with different payment status
Complaint sub-issue: Received bad information about my loan

Aes credit XXXX XXXX XXXX XXXX, XXXX Whom make concern, i was working with one Employee, she did everything help me filled out a from for XXXX from VA Dr XXXX which from server XXXX, when working the lady, she new about my illness. My Doctor XXXX send to Aes twice first abbreviated words, then i got that he needed to send form without no abbreviation, which doctor XXXX did, so i thought everything was okay, but it was n't until Aes turn their loans over to XXXX. 
Which XXXX did work with me and doctor XXXX, which i was granted XXXX hardship.AES was calling me they over and over, i even had a AES a employee, she told me, to get XXXX over it, talking about my XXXX So call back got a hold supervisor. Then i asked for my phones calls notes, then told i could not get them, that they turn my loan over XXXX. But mean time i thought my XXXX was taken care of by AES, it was n't until I got a letter from XXXX that my loan was never taken care of, so i look on my credit report where AES show me beening late on my AES over and over, which if i have to i get information from my when forms where sent.All i asked to get a copy of all phones conversation and letter send out to me and form for my Doctor. XXXX one lady employee work with me to get all paperwork very nice, she knew my illness. My name is XXXX XXXX XXXX, my old address was XXXX XXXX XXXX, XXXX XXXX XXXX when we was working on XXXX form. My society security number is XXXX .my new address is XXXX XXXX XXXX, XXXX XXXX. XXXX. All i ask for AES give you all my phone calls and letters send to me and Doctor XXXX XXXX form send to AES released a copy to you. AES has hurt my credit report many years, which my Doctor send them the correct paperwork, which they said they lost. All proof are in all my Aes phone calls and letters. 
All i am asking for my credit report to be fixed and a letter that AES, was at fault because of bad training of thier employees, how treat people with XXXX. 
Thank You XXXX Bless
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2019, I opened a checking account in a Citibank branch in XXXX, Maryland. The banker matched a sign-up bonus of XXXX XXXX XXXX AAdvantage miles for me, given that I maintain a balance of {$15000.00} for at least 60 days. 

I deposited {$15000.00} into this account on XX/XX/2019, and maintained such a balance until XX/XX/2019, for a period of 69 days. 

I never received the miles. I contacted Citibank regarding this matter many times but they never solve this issue. Once they gave me a document ( attached ) confirming that I qualified for the promotion and told me to wait up to 90 days to receive the bonus. But the bonus did not post to my XXXX XXXX account even after 90 days. 

I contacted Citibank many times after XX/XX/2019 ( 90 days after qualifying ). Every representative who answered my call or chatted with me in the online banking system kept telling me to contact the branch. I contacted the banker via email but got no response. I called the branch and someone said my banker will call be back but she never did. I got very disappointed with Citi and closed the account. 

A few days ago I received a XXXX form from Citibank, saying I got {$400.00} dollars in a 'promotion '. Since this account is the only banking account I ever had with Citibank, the amount of {$400.00} must be the value of the XXXX XXXX XXXX AAdvantage miles that I should have received.
Complaint sub-issue: Frequent or repeated calls

Discover has called me 11 times in the last 4 days, and they continue to call me, and are calling me on the weekend and all hours of the day.
Complaint sub-issue: Other problem getting your report or credit score

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : XXXX  Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : XXXX Account Type : Charge Off, Deposit Related Account # : XXXX
Complaint sub-issue: Company closed your account

On XX/XX/2021 I opened checking and savings accounts at US Bank on XXXX XXXX in XXXX IL. A week later, they closed it, claiming I was in violation of the Deposit Agreement. 

One of the personal bankers at US Bank sent me 2 cashiers checks - one for {$310.00} which was the outstanding balance in checking. And a check for {$290.00} for the outstanding balance in savings. I deposited those checks at my current bank through mobile banking. 

I made a clerical error on the check for {$310.00}, and typed in the wrong amount. XX/XX/XXXXmailed the check for {$310.00} back to US Bank. 

On XX/XX/XXXX, I attempted to be reimbursed for the {$310.00}, at the US Bank branch in XXXX XXXX IL. The teller spoke to US Bank Internal Affairs and informed me that XX/XX/XXXX had cash the check already. 

I then met with the branch manager and Vice President of the US Bank in XXXX XXXX. 

After about 20 minutes, she threatened me with the police. All because I wanted reimbursement for the {$310.00} check. 

When I left the XXXX XXXX branch, two officers of the XXXX XXXX police were waiting in the parking lot. One of the officers went inside the branch to get the branch managers side of the story. 

When he returned, he informed me that if I went into any US Bank branch, I would immediately be arrested.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I completed the application for public service loan forgiveness in XX/XX/XXXX following 12 years in public service. I have spoken with Fed Loan Servicing several times since completing my application asking for explanations of why most of my payments were not accepted. They told me repeatedly they were not done reviewing and would be in a month or two. I would call again and get the same answer. When I called today I was told they finished reviewing, though they had made no changes since they told me over the phone, when I called in mid XXXX following receipt of a letter dated XX/XX/XXXX, they would be done reviewing at the end of XXXX. They finally told me today they would review no more. 

I am not sure what course of action to take at this point. Any direction you could give me would be appreciate. 

The following is an email I sent to fed loan servicing today after I was told they reached a final conclusion and would review my previous loans no longer : " My name is XXXX XXXX, date of birth XX/XX/XXXX. I am writing to request my loan payment be reconsidered for eligibility based on the new regulations of the Temporary Expanded Public Loan Forgiveness guidelines and because I believe some income based qualified payments were not counted. 

I began repaying my student loans to American Education Services in XXXX. Initially my loans were not consolidated. 

My loans were then transferred to XXXX XXXX  in XX/XX/XXXX, when they were consolidated. I believe the consolidated loan payments, which did not quality under PSLF guidelines, now qualify under XXXX. 

My loans were then transferred to XXXX in XX/XX/XXXX, where I then began on the income based repayment plan. 

I continued to make payments under the income based repayment plan from XX/XX/XXXX and do so currently. I have never been late for a payment so every single payment make should qualify. 

I deferred exactly 3 months ( 3 payments ) during the duration of time I have been repaying my student loans. The dates of those deferments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, I did not work for a qualifying employer so payments made during that time period do not count. 

According to my calculations, I have now made 107 payments, with the most recent being XX/XX/XXXX. I understand that number to be accurate for both my XXXX loan as well as my XXXX   loan because payments for both loans are made together in one lump sum each month. ''
Complaint sub-issue: Investigation took more than 30 days

Back in XX/XX/XXXX a store card for a macys  credit card was opened in my name. I have disputed this account several times with the merchant and also with the Credit bureaus. This account was charged off back in XX/XX/XXXX. However even though this account was charged off and is set to come off of my credit report XX/XX/XXXX. Macys still continue to report monthly late payments on this account. When this account was charge off this account should no longer be reporting monthly. This account was last reported this month XX/XX/XXXX. When I go to apply for something it looks as if I have recent late payments with this account. I have reached out to macys regarding this asking if they can send me a letter when this account was paid which was in XX/XX/XXXX. The rep told me that they will only be able to send a letter saying it was paid but not with a date because they are not allowed to do so which I find that hard to believe. when I contacted the credit bureaus regarding this issue also I was told that I need a letter from macys  when this account was paid in order for them to stop reporting monthly. Every month I get a new update from macys on my credit saying late payment which should not still be affecting my score when it has been 6 years and as mentioned this account is due to come off XX/XX/XXXX.
Complaint sub-issue: Received bad information about your loan

I am in the process of applying for XXXX while looking at my history summaries on XXXX XXXX  I noted incorrect information regarding loans while being serviced through Great Lakes. I called Great Lakes and asked for a status history in which I noted a forbearance XX/XX/XXXX to XX/XX/XXXX, an economic hardship for XX/XX/XXXX until XX/XX/XXXX as well as multiple " administrative forbearances ''. Also had XXXX consolidated loans and XXXX XXXX loans when I was transferred to Great Lakes but according to their records I have XXXX loans, but only sent a status history of XXXX when I requested XXXXI applied for income driven in XX/XX/XXXX, at that time my monthly payments were zero dollars and most recently pre pandemic I was paying roughly {$50.00} thru auto pay. When I spoke with a supervisor she stated my income driven plan was started in XX/XX/XXXX, according to her it starts when the paperwork is processed. That date is incorrect because my annual recertification is XX/XX/XXXX, as I initially applied in XXXX XXXX  XXXX. I have read about others having these types of inconsistencies with Great Lakes. They are capitalizing off borrowers ' student loans principal and interest from these tactics.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Someone stole my sons shell card number There were numerous unauthorized charges on my statement. When I called and reported the person I spoke to said that it was being reported and closed my account and upgraded me. After no resolutions I called back as well as emailed and was told my card was closed as an upgrade and not as a security measure. The charges have been deemed fraudulent however they can not credit the account because it has been closed. They did however move those charges to the new card but no one seems to be able to figure out how to credit me. The balance left on this account is equivalent to the fraudulent charges and 2 months interest. I reported this back on XX/XX/2020. The amount is XXXX. I am stressed about this matter as I always pay my card in full. I have spoken to numerous representatives on this matter with each promising a resolution. Please help
Complaint sub-issue: Their investigation did not fix an error on your report

I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this issue
Complaint sub-issue: Attempted to collect wrong amount

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXI 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: Reporting company used your report improperly

I am a natural person, I am a living being, and I have rights under 15 USC 1681. Equifax is governed by 15 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I'm trying to get pre-approval for a home loan and when they run my credit Equifax is stating that I don't exist on their system. They have gotten XXXX  and XXXX   report the only one that's giving me trouble is Equifax.
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent in several of letters into the credit reporting agencies about the different discrepancies, also i have sent letter about then provide original contracts, and requests was XXXX .The name of the collection is XXXX XXXX XXXX XXXX  XXXX the amount is {$800.00} and IC System Inc. the amount is {$410.00} the credit reporting agency still will not update this information on my report. The credit reporting agency is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Information is not mine

XXXX and XXXX have reported that there was an address change that is not true. I have never visited, lived in or know anyone in XXXX, ca.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

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. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXXXXXX
Complaint sub-issue: Didn't receive notice of right to dispute

As I was monitoring my credit, I simply saw an account pop up from a supposed debt collection agency called XXXX XXXX XXXX. It is a small amount ( {$140.00} ) and I had no idea where it was from or what it was for. They blatantly violated my rights as a consumer and a citizen in that I was never notified of the alleged debt in writing. Furthermore, this exact alleged account was removed from my credit report prior, as it is a totally false, and inaccurate bogus bill from an original utility company ( ( XXXX XXXX ). I was a long standing customer of theirs and NEVER even had a late payment. My credit report shows 100 % on time payment history for every bill Ive ever had. I am no going to have to strongly dispute this negative remark on my XXXX and XXXX credit reports. Lastly, this debt was never verified and I am directly filing a complaint against XXXX XXXX XXXX. I do not even know who they are, as I have NEVER received correspondence from them prior. I did contact them directly once when I saw their name pop up on my credit report. I demanded that they remove this unverified amount from my credit report immediately, stating that they never gave me the 30 day legal time frame to dispute any debt. This was to no avail and they proceeded to threaten me. I am asking for the help of the CFPB to discipline and deal with their corrupt business practices. I am well versed in this area of law and know my rights
Complaint sub-issue: Company closed your account

I was extremely XXXX today, XX/XX/2021 after attempting to use my Discover card to purchase an ink toner for my personal printer. When I inserted the Discover card, it was declined multiple times causing me to hold up the checkout line. This just added to the XXXX as I was already XXXX  out because XXXX XXXX had me repurchase the ink toner after I had already purchased online and was just there to pick up. I did not bring the card I originally made the purchase with because I was there solely to pick-up. I thought it was a blessing that I happened to have the Discover card to pay, so I thought until it was denied. I drove 45 minutes from my house and had no other options but to be forced to use my business card to complete the transaction for personal use to avoid further inconvenience of losing my spot in line or having to drive 45 minutes to get my other card. 

I feel like I am being discriminated against because I hadnt experienced any issues or problems with my Discover card until I exercised my rights in good faith as a federally protected consumer informing DISCOVER FINANCIAL SERVICES of the billing error. I had reason to believe that this is an adverse action against me as defined by 12 CFR 1026.13 ( d ) ( 3 ) as my account appeared to have been closed or restricted without my consent or approval. This adverse action needs to be corrected IMMEDIATELY. DISCOVER FINANCIAL SERVICES has failed to comply with federal regulations in the subchapter of 12 CFR 1026.13 resulting in legally forfeiting their rights to collect as defined by 15 USC 1666 ( e ). In accordance with 15 USC 1666d, these past, present and future remittance coupons that they send in the mail to my place of abode need to be converted into checks monthly that are payable to me. 

This would have never happened to me if DISCOVER FINANCIAL SERVICES properly handled my account as an open end credit plan applicable with federal law as defined by 15 USC 1602 ( j ). Also, this would have never happened if the credit balance on this account was zeroed out monthly pursuant to 15 USC 1666d ( A ). 

The agent, XXXX, conducting business on behalf of DISCOVER FINANCIAL SERVICES confirmed that my account was closed as of today, XX/XX/2021 without notice and was unable to provide any specific reasons as to why it was closed outside of claiming an adverse action. The agent went on to tell me that DISCOVER reserves the right to close my account at any time after I told the agent that I never consented to have my account closed. I know for a fact that the adverse action was against me for in good faith exercising my rights as a federally protected consumer.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I purchased an airline ticket through XXXX XXXX on XX/XX/2019 ( XXXX ). The ticket price was {$300.00}. There was a promotional offer of a significant discount ( around $ XXXX {$200.00} off ) if I applied for an AAdvantage credit card issued by Citibank XXXX 
I applied for the card expecting the discount. 

After purchase, I was told that the discount didn't apply because I already had a similar credit card. 


I called customer service, and got bounced back and forth between XXXX XXXX and Citicards. I did get one offer from Citicards to receive the discount if I spent more money using that card.
Complaint sub-issue: Trouble with how payments are being handled

I paid off the rest of my student loan and then went to cancel my auto debit payments, got an email on XX/XX/XXXX that the auto debit was cancelled, the terms of the autodebit with nelnet state cancellation requests will be honored 3 business days before the payment date, but then on XX/XX/XXXX, they still auto debited my account {$300.00} and are saying a refund will take 4 to 6 weeks since it's a Dept of Ed loan and the payment went to the Dept of Treasury.
Complaint sub-issue: Debt was result of identity theft

Simplified Revenue Recovery LLc is in violation of 15 USC 1692
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX   which I am not located in their systems. I have contacts XXXX several times with these issues and nothing has yet to be done. I have also asked XXXX for written proof of verification and was told they do n't have any. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX