vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northtown Capital Services Group LLC
State: TX

Complaint narrative:
I was contacted by Northwest Capital Services at the beginning of XX/XX/2019. They called my mom and friend stating that I needed to call them back because of legal action that could be taken. They wouldnt disclose further information. They were attempting to get phone numbers and addresses from both mom and friend. I called the company directly and was told they were trying to collect a debt that had been given to them from XXXX for failure to pay. I was behind in my payments on this. I was told that if I didnt make some payment today or arrangement to pay that I would be served papers at home or work and would be taken to court for failure to pay and could have my wages garnished. They said making a payment would stop this from happening as long as I made an arrangement. I did NOT know I needed to receive something in writing ( I never did XXXX and did not know I could dispute. I told them I couldnt pay all of it and they were forceful about collecting. Im still in a payment agreement with them of {$230.00} twice a month ( which is financially draining ) because I never received information pertaining to the debt and was unaware that this was an unfair collection practice. Once I agreed they sent an email with a document for me to sign online. I signed this because, again, I was not aware I had any other option and didnt want to be sued. Im still in an agreement with this company and had no idea I could even dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED 1XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX  immediately, and as a professional courtesy by XXXX, the entire account should be deleted off of my credit reports with XXXX, XXXX  and Trans Union collectively. XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX internal self-insurance capacities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX immediately, and as a professional courtesy by XXXX, the entire account should be deleted off of my credit reports with XXXX, Equifax and XXXX XXXX collectively. XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX internal self-insurance capacities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Respected Sir/Madam I transferred XXXX $ to XXXX using Western Union website on XX/XX/XXXX. The XXXX/transaction number is : - XXXX. Amount got debited from my account but amount not credited to the receiver 's account even after 11 days. I opened case # XXXX around 8 days back with them and did the daily follow up. Western Union told that their XXXX counterpart claimed that the amount was successfully deposited on XX/XX/XXXX. 
I told them that it's not true and in fact, I shared my bank statement with them on XX/XX/11 to prove that no amount was deposited to the receiver 's account. I am attaching the copy of the same, for your reference as well. 

Thereafter there is no response from them. Its been an uphill battle and I want my hard earned money back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
around first of XX/XX/2019, i ordered internet thru XXXX  XXXX. i was to be wired! never happened!! they sent me a bill for XXXX. i'm not wired nor do i have a modem! sent by XXXX. no modem no internet! XXXX  leaves a note to contact thru a web site n phone #. it took 3 wks to find and get myself. hooked up no service. in XXXX, XXXX gave their cust service #. i coud n't t find it to call. XXXX i called told them told them never wired, they would to hook me up! i told them not to, since i went back to XXXX. she said it would be cancelled. never was!! ( i would be without internet over 3mo. ) in XXXX, got a bill, i called ask for susper. ( i told cus rep i never got wired up ), after on phone over an hr they just hung up!! same for XXXX and dec. ask for super. hung up on after more than an hr. still a bill comes every mo., am i to pay for service never received??

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA 3 three FRAUD LETTERS XX/XX/XXXX transactions total {$810.00} creditcard end XXXX XX/XX/XXXX STATEMENT of. XXXX XX/XX/XXXX. {$810.00}. see attatched ID THEFT of Transactions beginning XXXX XXXX see attatched USAA INACURATE CREDIT REPORTING. Kindly note ( page 13 of 26 ) Account XXXX date opened XX/XX/XXXX PAST DUE Reported XX/XX/XXXX INCLUDED IN HISTORY FOR THIS ACCOUNT CLEARLY SHOWS ** ( page 14of 26 ) XXXX XX/XX/XXXX date last payment XX/XX/XXXX CIRCLED *** two years before it was on account?? Kindly Note I have found WHY USAA CREDITS OF XX/XX/XXXX, these letters not sent reguarding fraud of XX/XX/XXXX until XX/XX/XXXX, DISAPPEARED??? 
USAA CLOSED CARD XXXX ** NO STATEMENT EVEN PROVIDED WITH THIS CARD ENDING XXXX. NO INFO PROVIDED TO ME. The entire thing disappeared after I reported fraud XX/XX/XXXX, XXXX of {$470.00} USAA REFUSED ME STATEMENTS CARD ending XXXX. USAA REPORTS FRAUDULENT DEBT and Collects on ID THEFT see attatched XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one charged me over {$140.00} in interest on the last statement, despite i had paid them over {$6800.00} in payment during the billing cycle. Their average daily balance used to calculated interest rate was based on balances over {$9000.00} per their supervisory representative. I had at any time came close to averaging that type of balance. I requested supervisor to include me work out of their calculations and she refused. I requested to escalate the issue to a supervisor above her and she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, our account was transferred to Rushmore Loan Management Services while it was in a 9-mth Forbearance period which commenced in XX/XX/XXXX and ended in XX/XX/XXXX. In the interim of being transferred to Rushmore, we were informed that we could apply for our Loan Modification towards the end of our Forbearance period and did so in XX/XX/XXXX to complete the paperwork and commence the Loan Modification process. During this period, our Credit Reports should not have been negatively impacted because we were experiencing extenuating medical and financial circumstances and our loan was in Forbearance from XXXX through XX/XX/XXXX and later in the Loan Modification process from XXXX - XX/XX/XXXX because Rushmore took a longer period of time to process the paperwork as well and were being discriminated against during the process as well, as opposed to other XXXX  clients whose credit reports were not negatively impacted. Rushmore discriminates against XXXX XXXX and U.S. Veterans and charges higher interest rates when completing a loan modification package, as compared to XXXX  consumers whom they service loans for as well. They negatively impacted our credit which is causing extreme difficulty to obtain a VA IRRL to reduce our high interest rates which they are currently charging us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXXXX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation