Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

The issue relates to XXXX improper and unjustified termination of my AAdvantage account. On XX/XX/XXXX, I received an email message from AAdvantage Corporate Security terminating my account. The message accuses me ( incorrectly ) of multiple violations of the General AAdvantage Program Terms and Conditions. On XX/XX/XXXX, I responded to corporate security to request further clarification of the specific violations XXXX XXXX alleges that I have violated. On XX/XX/XXXX, I replied again to this e-mail to request clarification. To date, these e-mails have gone unanswered. 

On XX/XX/XXXX, I also e-mailed XXXX XXXX to request additional information and clarification of the alleged violations. This e-mail has also gone unanswered as of today. 

An official complaint with the Department of Transportation was also filed on XX/XX/XXXX. Receipt of this complaint was confirmed by XXXX XXXX on XX/XX/XXXX and a response from XXXX XXXX was received from XXXX XXXX, Customer Relations, on XX/XX/XXXX. 

XXXX XXXX response to my complaint states the following as justification for termination of my account : A recent investigation has determined your involvement in multiple violations of the General AAdvantage Program Terms and Conditions, related to the accrual of ineligible AAdvantage miles and benefits. These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage   card promotion bonus terms and conditions, as well as at the top of each application page. 

The allegations against me and used as the basis for terminating my AAdvantage account are not correct. The 48-month language cited as justification for termination of my account was not added to the some of the terms of conditions until on or around XX/XX/XXXX. There were still various credit card offers that did not contain that 48-month language. At no time did I respond to, or utilize, any offers which contained this newly added provision. 

Further, the Citi eligibility restrictions referenced in the justification were not located on the credit card offer bonus terms and conditions or application page as claimed in Ms. XXXX e-mail. 

XXXX XXXX claim is undeniably false, and XXXX XXXX has now intentionally lied to both myself and the Department of Transportation in an attempt to justify closure of an account that has not violated any terms and conditions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt is not yours

This IS Cellular account was an ex boyfriend whom owned the account. I was not account holder. I have always used prepaid services. This account is from 2012. And just popped onto my credit. It was removed once a couple years ago and came back now. I do not feel I owe this money as it was not my account.
Complaint sub-issue: Information is not mine

I 've disputed these accounts several times and they keep stating they have verified them even after I sent a debt validation response from the data furnisher stating they have not reported any accounts to any credit bureaus.
Complaint sub-issue: Investigation took more than 30 days

I put in a dispute on XX/XX/2018 thru credit karma for XXXX and they are still processing it.
Complaint sub-issue: Unable to open an account

I was trying to open an additional separate account to save for a big ticket item and PNC has changed their security so Im unable to open an account through XXXX. Theres no way to open an account due to COVID precautions without me taking risk. Id appreciate the ability to open an account to put my savings into
Complaint sub-issue: Debt is not mine

I received a letter from the " Enhanced Recovery Company '', claiming that I owe XXXX XXXX XXXX {$110.00} this past XXXX. I was unsure of the legitimacy of the company which is the reason I have avoided direct contact with them. However, I recently viewed that this debt is affecting my credit as an open collections I owe. 

I have paid off all of my remaining balance with XXXX XXXX XXXX for internet charges back in Florida. I have also made a new account with XXXX XXXX XXXX for TV and internet since last XXXX and have made all my payments on time. They have never XXXX informed me of an old existing account that I still owed money for. Nor have they ever denied me as a customer for still owing a debt. I honestly believe XXXX XXXX XXXX would have easily found this debt of mine, if it was legitimate, as my full name would be on XXXX accounts. This is the reason I am claiming this debt to be completely false.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE ACCOUNTS THAT ARE NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
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. 

Account name : Account # XXXXXXXX XXXX XXXX has violated my rights. 

XXXX 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 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.
Complaint sub-issue: Information belongs to someone else

They are fraudulent accounts being reported. I have submitted the theft affidavit and police report and they have failed to remove the fraudulent information which by law they are supposed to do.
Complaint sub-issue: Didn't receive terms that were advertised

https : //www.bankofthewest.com/XXXX XXXX Bank of the west is running a promotion ( seen in the link below ). 

I tried to apply online but the website sent me an email saying my identity could not be verified, so I called a branch nearby ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) and made an appointment stating that I would like to come in for an account with the promotion. 

I arrived at the branch at XXXX on XXXX. Sat down with a relationship banker named XXXX XXXX XXXX. She was very slow in processing my request, and she kept saying that she had to apply a promo code although on the website the promo code is automatically applied. Then she proceeded to take down the application ID that I was given in an email and wrote down my social security number on a post-it ( which she never shredded at the end ). She kept telling me that she could not locate my application, despite the email telling me that I should be able to pick up on my application in branch. 

I explained to her that I didn't want to make another trip, but she kept going back and forth pretending to talk to the people behind the desk. And when it was time for the branch to close, she told me that she " got the confirmation that she can not open an account ''. and that I would need to go to another branch. 

I just asked her to open an account, and regarding the promo code, I read to her " promo is automatically applied '' verbatim ( as is written on the promotion page linked above ). She still refused. There are clearly a few things wrong with what happened : 1. The banker 's unprofessional behavior - jotting down social security number on a post-it and never shredding it. 
2. Not being ready for the task even though a customer had called the day before explaining the situation and made an appointment. 
3. The branch not honoring what is publicly advertised online. 

I am very frustrated and disappointed with the way I was treated as a customer. 

I have a recording of the phone conversation when I called in to make an appointment as well ( my phone records every phone call ).
Complaint sub-issue: Information belongs to someone else

I'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY FILES
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX I attempted to call XXXX ( XXXX ) XXXX-XXXX and recording said this number was no longer in service or disconnected. The address is XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX is the date the inquiry was made. 


XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 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 HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
Complaint sub-issue: Information belongs to someone else

Went to first time home buyers program and credit was pulled and was informed about 2 credit card charge offs both opened in XXXX without my knowledge. I was advised to get police reports, identity theft reports and dispute directly with bureaus. I sent letters with police report, identity theft report and Id in XX/XX/XXXX for validation of debt, none was provided. Sent letters again XX/XX/XXXX and again certified XX/XX/XXXX. I was XXXX in XXXX and had no knowledge of anything related to credit nor have I ever had a credit card until XXXX I just got a secured card to use my own money while I learn about credit. I have contacted the creditors as well and still have yet to receive proof of these debts. 

XXXX XXXX opened XX/XX/XXXX owed {$3100.00} Discover card opened XX/XX/XXXX owed {$3600.00} I will be starting litigation using ground " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists '' to seek removal of these 2 accounts
Complaint sub-issue: Debt was paid

I have been sending all of my payments through my electronic account via XXXX XXXX to Solar Mosaic Loan Services since the beginning of our loan in XX/XX/XXXX. 

They sent a report of a missed payment to the credit bureaus for XX/XX/XXXX. I did make my payment in XXXX to the XXXX XXXX office on XX/XX/XXXX ( and should have arrived by XX/XX/XXXX ) as we have done the entire time of the loan. I spoke with a Solar Mosaic representative in early XXXX as they called to tell me the payment had not been received. The money had already been taken out of our account to pay the XXXX payment and the representative said it could be delayed from the home office as the billing address has changed from XXXX XXXX, CA to XXXX, AZ. 

It wasn't until XX/XX/XXXX that we received our XXXX check payment of {$360.00} returned to our bank account and not until XX/XX/XXXX that we received the XXXX payment of {$360.00} returned from Solar Mosaic, at which we promptly brought the account current when we learned of the refunded money. This is clearly not within the 30 day grace period and should have never been reported to the credit bureaus for XXXX. We were never contacted that the payment was not being accepted or returned. I happened to look at my bank account when I realized there was more money than I expected. 

Included in this packet are two of the last payments that were accepted via XXXX XXXX to the XXXX XXXX office. As well as the pictures of our bank account proving we made the payment for XXXX, XXXX and demonstrating that those payments were returned by Solar Mosaic. 

We believe these are unfair business practices under the Fair Credit Reporting Act and this is directly affecting our credit score and our ability to secure a loan for a new home. We are asking that this be corrected on our credit score immediately. I have already requested this from Solar Mosaic and this was their response on XX/XX/XXXX : Thank you for contacting Mosaic, We understand you did send the payments, however, as we did not received them on time your account became delinquent, as such, we are unable to change the credit report we sent as we are obligated to report the accurate information. 

If you have any questions, please contact Mosaic Loan Servicing at ( XXXX ) XXXX? 
Our account is current and we have been outstanding customers through the life of the loan. 
Please call me as soon as possible at XXXX so that we can discuss this issue and determine the best way to resolve this. Thanks for your time and for working with us to create a positive outcome for this situation. 

Sincerely,
Complaint sub-issue: Their investigation did not fix an error on your report

i had a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to cal me and that wasnt done and that violates my rights as a consumer. i reached out to equifax on more than one occasion to advise of my credit being pulled without my permission. these inquires are not authorized by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I currently have a DISCOVER CARD which authorized 2 charges which put me over my credit limit by {$1200.00} and then negatively reported me to the three major credit monitoring companies. 

They authorized a charge for {$5600.00} on XX/XX/XXXX which was {$110000.00} over my credit limit and also authorized a charge for {$140.00} on XX/XX/XXXX. If I was already over my limit on XX/XX/XXXX why would they continue to authority another charge. 

I also do credit monitoring with Discover and I was surprise to see that Discover negatively reported me for going over my credit limit. I immediately called them and was told there was nothing that could be done about it. How can they allow you to go over and then report for doing so. Are they so hungry for you to use their card that they would allow you to go over by a substantial amount and not inform you or deny the transaction.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed this account with XXXX XXXX  multiple times and they kept on sending me these past statements and stating that the account is valid. I understand that they might have a valid account but this account does not belong to me and I Have been stating that since I first noticed the tradeline on my credit profile. at the time, when I called to question the account, XXXX sends me a letter stating that they never issued a credit card to me and that the error will be corrected. Fast forward to date, the account is valid and accurate?. 

I attached a letter from XXXX  dated XX/XX/2021, with a USPS stamp date of XX/XX/XXXX, XXXX the letter stated in short, that they investigated the account and confirm the debt. and that they declined my request to provide additional information to validate this debt. 
XXXX has not provided any proof that this debt belongs to me, all that they send are copies of statements that do not prove that I had access to this account, that I benefited from this account, nor did I signed for or even applied for such account. I spent a lot of time going back and forth with XXXX Bank on this matter, I would like this account blocked from my credit profile.
Complaint sub-issue: Debt is not yours

EOS CCA aka Collecto Inc, of XXXX XXXX XXXX XXXX, MA XXXX has illegally re-aged a debt that has been defaulted on and reported on my credit report ( by their own admission ) since XX/XX/2017. EOS CCA has illegally re-aged this debt on two separate occasions. Which on both separate occasions my credit score has decreased significantly. 
I have also contacted XXXX  for a copy of my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. 

Thank You
Complaint sub-issue: Can't get other flexible options for repaying your loan

Im having problems with 2 separate loan companies.. one with XXXX and another with AES. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With AES, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With XXXX I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.
Complaint sub-issue: Account information incorrect

XXXX XXXX ARE REPORTING AN UNPAID ATT XXXX XXXX XXXX FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has refused to correct the incorrect data they put in my Credit Reports due to their sloppy record keeping. 
My loans have been paid off since XX/XX/2007, yet they are reporting my account as late. 
I have tried to get this issue resolved with XXXX for months now, and so far, they have been useless in resolving and or fixing their own mess. 
I am reaching out to you for your help.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

i called citi bank collection dept today XXXX XXXX and asked for assistance from them regardin monthly payments for my two credit cardss specifically during this time that i am suffering from income disruption brought about by this public health issue triggered by this corona virus. I am asking for payment suspension for 90 days while this public health issue is ongoing. They refused to grant me this assistance instead they keep on telling me that there is nothing they can do to help me and that if i miss my payments my account will charged off and wil go to a collection company. I just feel that Citi bank should consider the current hardship their consumers are suffering from because this current public health issue is totally unexpected and therefore consumers will have difficulty making their monthly payments. I am complaining about how this Citi bank is not giving any consideration to the problems their consumers are suffering from specifically income disruption brought about this public health issue.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I tried to close my checking account with US Bank in XXXX Ohio in XX/XX/XXXX. I emptied my checking account and walked out of the premises. On XX/XX/XXXX my account ( unbeknownst to me ) went into collections with US Bank and was sold in XXXX to XXXX XXXX XXXX. I received a collection notice in XXXX of XXXX from XXXX XXXX XXXX XXXX  for the debt for my account in the amount of {$160.00}. On XX/XX/XXXX I sent a letter acknowledging the debt to XXXX XXXX XXXX XXXX with payment requesting the debt be acknowledged as paid off and the record removed from their database. I received the return receipt from XXXX XXXX XXXX XXXX and have not since seen a complaint on my credit report in regards to the debt. 
On XX/XX/XXXX approximately XXXX EST I received a phone call from XXXX at XXXX XXXX XXXX XXXX stating I had accumulated debt and interest of {$1400.00} for the former US Bank account that was sold off in XXXX. XXXX then stated that XXXX XXXX XXXX had sent letters to previous addresses notifying me of the debt. I requested she send the letter to my current address and she stated that they didn't have to because it costs money and they are only required by law to send two letters. I was then sent a letter of demand via email stating I must notify the office within 24 hours if I choose to dispute or the debt is assumed valid ; furthermore I had to notify the office within 7 days in writing requesting verification. 
If I'm reading this correctly I have 30 days to respond by law, not 7, and certainly not 24 hours.