Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On or about XX/XX/XXXX I filed a complaint against my XXXX & XXXX credit card. The statements had incorrect info on them-causing me to miss the chance to enter a payment plan w them. They responded to complaint w an apology & offered to help me get into a payment plan. After MONTHS of them trying to figure out the right person of contact & getting my account out of a 3rd party collection, they set me up w a payment plan. I was told that I could make payments in the store. On several occasions, when going into the store or calling the payment in-the representative was unable to locate my acct & could not take my payment. I emailed XXXX XXXX to inform her & she directed me to contact another dept. I was then able to make my payment. However, once again in XXXX/XXXX I was unable to make my payment. The account could not be located. I tried the number I was given by XXXX XXXX, but it was not a working number. I tried calling another dept, & emailing asking for help. I sent in 2 payments, via mail. The payments were never processed. I have tried calling to correct the problem so many times. But I have not been able to speak with someone who can locate my account information. I have now been receiving letters and calls from collection companies, threatening to report me.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX WITH ACCT # XXXX OPENED ON XXXX WITH A CREDIT LIMIT OF {$3700.00} -THIS IS NOT MY ACCOUNT
Complaint sub-issue: Account status incorrect

I lost my former job at XXXX due to XXXX XXXX XXXX XXXX, and after also reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was sent to unemployment by HR. HR then lied to the state, saying I picked this, and my unemployment funds, ie. any income help during a global crisis to which I was suffering from at the time, were withheld for approximately 4 months. I spent this time on the phone, making calls to get into relief programs, etc., anything I could to save my credit score and not lose my good standing there too, as is all I have left after working very hard for years to get it to the mid XXXX. XXXX XXXX was the ONLY company that did not have any options, but wasted approximately 3 weeks of my time, begging them with my situation for help. I was sent to one tier after another, then management, only to be brought back to the beginning of this call loop, making me now miss a payment when I was on hold in this circle of nonsense, with no solution other than a confirmed smear on my credit report. It will be included in the damages of my current lawsuit against XXXX multiple violations, and the ongoing domino effect it has had in my life. This is now negatively impacting my living situation, preventing me from getting my own apartment now that I finally have a new job. I have tried to dispute it through XXXX, however, only received a XXXX check from them months later for their 'failure to serve me properly during the pandemic, global crisis ongoing. ' Their dispute was settled in a matter of a week, and did not remove it from any of my reports, as they just confirmed they failed but put it on my shoulders. This nonsense is now on all XXXX reports and is the only negative thing listed there, messing with my life further. Their lack of assistance during a global crisis to which I suffered from yet still made it my full time job to call all billings I had to make sure I did not suffer further was to no avail with this heartless company, XXXX XXXX. I am working hard to eliminate any standing with them and close the account, but for now, need to continue my fight against their false report. I made every effort to remain in good standing and got help from all else but this company. They have taken action against me in filing these alleged missed payments ; I literally ran out of all my savings and had to ask family and friends to help me survive. Likewise beg billing services for understanding, adding more humiliation to a difficult situation. I should not be made liable for this, as is a false smear against me when this company simply did not act to assist anyone on a human level during a time of ongoing suffering in this world. give me my life back please and get rid of these XXXX missed payments ' I never missed. I literally lost everything, and XXXX seemed to go out of their way repeatedly to ensure I continued to suffer even more, and continue to.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 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 .... Balance : XXXX ; XXXX XXXX & XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; ENHANCED XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

Evaluate this account : XXXX XXXX XXXX XXXXXXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.
Complaint sub-issue: Attempted to collect wrong amount

The debt collection company sent me a statement charging me interest. I called the original creditor who said this was not appropriate and that they do not charge interest. I never agreed to be charged interest and there is no court judgment allowing such.
Complaint sub-issue: Company closed your account

I am writing to ask you to institute litigation against US Bank to force them to stop engaging in a deceptive practice, which enriches them and defrauds numerous consumers.

US Bank CSRs ( Customer Service Representatives ) are trained to tell customers that they can buy gift cards using the XXXX Altitude card, without fear of having their accounts shut down or other adverse actions. 
In fact, this advice is not true. 
US Bank shut down my account for that reason, and, according to media reports, their officials freely admit that it is their policy to shut down accounts fo this reason. 
By training CSRs to tell consumers that there is no problem, US Bank acquires more market share, by closing the accounts, they avoid making large payments on gift card purchases at XXXX XXXX stores using XXXX XXXX  and other similar wallets. 
Such payments get XXXX  % back, redeemable for travel at XXXX XXXX %. 
I understand large companies move slowly, so I have given US Bank several years to correct this fraudulent practice. 
However, they have not. 
The following are tape recorded conversations where US Bank trained CSRs told me that there is no risk at all of an account shutdown for buying very large amounts of gift cards : XX/XX/XXXX XXXX XXXX XXXX  XXXX call center ( sp? ) " altitude cards will absolutely not be closed due to buying gift cards '' XXXX XXXX XXXX XXXX de XXXX XXXX if you buy several thousand in Gift Cards, your XXXX  Altitude will absolutely not be closed '' XX/XX/XXXX XXXX XXXX XXXX absolutelyutely sure Altitude card will not be closed for buying large amounts of gift cards '' There are several others which I did not take notes on, but where the message was the same.

But, don't take my word for it, call any CSR and see if they tell you the same thing.

I reported this problem to several US Bank representatives one several years.

No corrective action was taken, which is ironic for a bank whose ads prominently feature them being named one of the world 's most ethical banks.

One of the representatives I reported this to was XXXX, at XXXX XXXX XXXX XXXX. 
I believe a fair resolution of this would be for US Bank to offer to reopen all XXXX  cards cards closed for buying large amounts ts of gift cards, and to document to the CFPB that they have instituted a training program to avoid their CSRs misinforming consumers in the future.

The issue is not whether US Bank has a right to close any card for any reason ( which they do ), the issue is whether they are4 allowed by the CFPB to profit from training employees to give an attractive but untrue message to consumers.

I am going to hold off on contacting a lawyer to pursue a class action, until I see if the CFPB chooses to allow US Bank to continue with this deceptive practice.

Please feel free to contact me for further information, including the specifics of my closed account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

AES is being deceptive on their stance that they are not breaking the law while maintaining that they're not harassing me when they make daily phone calls because an account is delinquent. 

Pennsylvania Fair Debt Collection Practices Act 2270.4. Unfair or  deceptive acts or practices. ... ( 4 ) A creditor may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. 

*indicates that an event or similar event in nature has occurred ( i ) The use or threat of use of violence or other criminal means to harm the physical person, reputation or property of any person. 

* ( ii ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

( iii ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( a ) ( 3 ) of the Fair Credit Reporting Act ( Public Law 91-508, 15 U.S.C. 1681 et seq. ).

* ( iv ) The advertisement for sale of any debt to coerce payment of the debt. 

* ( v ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 

* ( vi ) Except as provided in paragraph ( 1 ), the placement of telephone calls without meaningful disclosure of the callers identity.
Complaint sub-issue: Information belongs to someone else

This complaint is against XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
Complaint sub-issue: Account information incorrect

I contacted the debtor on XX/XX/XXXX requesting my signature or proof proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my three credit reporting agencies without providing validation of debt and the credit reporting agencies are reporting this inaccurate information to future creditors. this is causing injury to my person as i am not able to acquire new credit based on these false invalidated claims.
Complaint sub-issue: Problem getting your free annual credit report

Someone stole my drivers license. Changed the name of all my former employers. My social security card was stolen with the spelling of my name as XXXX XXXX XXXX. I 've once used the spelling of my name on my birth certificate. XXXX XXXX XXXX. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest son is XXXX. XXXX XXXX XXXX XXXX His date of birth is XX/XX/XXXX. I began using my maiden name when I learned I was a victim of identity theft. My maiden name is XXXX. The FBI told me it was an inside job, when I went to them. IRS told me something similar & told me it 's my family members. A tax return was filed by them in XX/XX/XXXX. This is the year I was laid off from XXXX XXXX XXXX XXXX. The company also have access to my social security number. Social security wrote a query for me with all of the EIN numbers of my former employers from XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX  amended & restated all of my tax returns from XX/XX/XXXX - XX/XX/XXXX and made themselves my conservator. In XX/XX/XXXX the company used my stock to sell my home at XXXX XXXX XXXX XXXX TN XXXX. In XX/XX/XXXX The XXXX Family refinanced my home using my XXXX XXXX son power of attorney. The United States Attorney General informed me of this. Fraud interest statements have been reported to IRS. The FBI also told me to pull all of my tax returns.
Complaint sub-issue: Account status incorrect

Missouri XXXX XXXX has an open XXXX XXXX case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since 1998. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, Missouri XXXX XXXX does not have an open case.
Complaint sub-issue: Public record

The credit bureau are reporting a bankruptcy on my report but the court does not verify that information. Therefore that information was pulled out from a third party reporting agency, thefore it must be deleted completely from my credit report. I would like to be notify via email once it 's been deleted. My email address is XXXX
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, XXXX XXXX credited my credit card account with the amount {$660.00}. This was a random erroneous credit that I did not initiate in any way. 

This temporary credit then negated my autopay scheduled for late XX/XX/XXXX. This then caused me to miss my XXXX monthly bill. XXXX XXXX did not email or text me about any of this ( despite my election to paperless notifications ) and only sent me a physical letter months after the fact, which received XX/XX/XXXX. 

This late payment then caused XXXX XXXX to freeze all my rewards points, fine me, and report to the credit agencies a missed payment as being my fault. This then lowered my credit score over 100 points. 

And after hours on the phone with XXXX XXXX on XX/XX/XXXX, they promised to fix it and follow up, but still nothing has been addressed about this erroneous late payment report on my credit statement for two weeks. When I talked with XXXX XXXX on XX/XX/XXXX, they didn't seem to believe any further action on their part was necessary, so I had to initiate the process of requesting they fix my erroneous credit report all over again.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 7

00 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points.

It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake.

They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake.

I hope you can help
Complaint sub-issue: Attempted to collect wrong amount

I recently learned that Texas Guaranteed Student Loan Corp. was reporting that I allegedly owe them a debt. I mailed notice disputing the alleged debt. I sought numerous, very specific documents that would substantiate TG 's claim that I owed them any debt. I am attaching a scanned copy of the request, the credit report, along with all other pertinent documents. 
In reply, I received from TG : " a True and exact copy of the original '' alleged note which shows TG as the Guarantor or lender. TG also provided an alleged account summary claiming the original lender was XXXX for XXXX. TG has been reporting in my credit report that this alleged debt originated with XXXX. 
I disputed the debt with TG and in response TG stated they verified the alleged debt by providing me with the fraudulent documents I described above.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX  - XXXX Account # 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 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX The above accounts have violated my rights according to 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Complaint sub-issue: Company closed your account

On XX/XX/2022, Discover Bank closed my Checking and Saving accounts due to their claim of suspicious activity ' on the accounts but failed to provide me with any details of the activity in question. Discover did not send me an alert, nor any notification prior to them closing my accounts, which caused a considerable inconvenience in the delay in paying a credit card bill. Ive contacted Discover, and they can only disclose that my statements were closed due to suspicious activity on the charges and that management decided to close the accounts. At the time of the closure, I had a total of {$680.00} ( Checking : $ XXXXSavings : {$1.00} ). A representative told me that my funds would be sent to me in the form of a check ninety days after my accounts received a deposit, after XX/XX/2022. This inconvenience caused payment to be returned and my credit card payment to be reflected as a late payment, affecting my good standing credit reporting with the three credit bureaus. I attempted to resolve this issue via the XXXX XXXX XXXX but Discover failed to respond to the complaint ( case ID # XXXX ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXX, XXXX XXXX XXXX XXXX FIN, and 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.