Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Inadequate help over the phone

I have disputed these accounts several times with Equifax and they always say that they are verified. How can they verify the accounts when the company ( XXXX ) reporting them ca n't verify them. I sent the company a letter asking them under the Fair Debt Collection Practices Act to provide me with the following : 1. what the money you say I owe is for, 2. explain and show me how you calculated what you say I owe,3. provide me with copies of any papers that show I agreed to pay you what you say I owe you, 4. identify the original creditor, 5. show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent. That company could n't provide me with anything. So, I request that Equifax remove all these accounts : XXXX from my file permanently and all credit inquiries.
Complaint sub-issue: Information belongs to someone else

I've continuously been sending letters to XXXX LEXIS NEXIS on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for XXXX, XXXX and XXXX. 
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Complaint sub-issue: Problem with statement of dispute

I have contacted Equifax three times now disputing a collection account that was to be deleted by request of the collection agency. The latest dispute results states that it is " verified to be mine '' although I have attached the same letter from the collection agency each time stating it is to be deleted. it has been deleted with both XXXX and XXXX without having to investigate. It is completely disregarded each time and I want this deleted as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted companies to remove inquiries with no response back I disputed on report. I also had a identical theft on my credit. I have since tried to repair. I have asked for documentation as to these inquiries.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do recognize the following inquiry XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Account status incorrect

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX, I have been exhausted trying to communicate with XXXX XXXX ( currently XXXX ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls and I continue to be unsuccessful in my efforts. My most recent request was faxed to XXXX and included specific documentation from my credit report on XXXX/XXXX/XXXX and I received an email which stated that I would receive a response within 5 business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of XXXX. Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage
Complaint sub-issue: Used obscene/profane/abusive language

Was called and told about a unpayed credit card. I explained I thought it was payed off and have not received any notice. Thy replied that thy sent letter and ask about address. My address has been the same for 20 years and they did not sent to right address. I asked if they could resend to confirm the unpayed card and they said no that if I did not pay they would be serving me papers the next day. I ask to give some time they said no. They wanted payment now or I would get sued. The scare tactics was horrible. One of the women started yelling at me saying she was doing me a favor and if this is the only chance to talk or there would a judgemental against me in the morning. I asked if the call was being recorded and she got mad and called me uncooperative that she did not have do put up with this that 's she had what sounded like hospice at home and she didnot have to pUT up wits this I replied that i am wan ting to hand let what eversion i owe bUT wold lIke proof of some kind. She got mad and saI 'd if i dI 'd not pay she wold be getting a judgment agains me and cost me more.She said you need to make pay what you owe this would n't happen. I tried to make a deal paying half and making payments on the rest and she a I 'd no that that option past when I did not respond to letter. I said you sent letter to another address and you have correct address and did not send to it. She got mad and hung up saying I would be getting sued. That she new available amount on my bank card wanted payment Another XXXX called back and work a one time payment out after more scare tactics leaving me unsure if I did right by paying. While waiting at bank to clear money another person called my wife 's phone to see if we where going to pay XXXX her We both were aafraid of getting account seized
Complaint sub-issue: Debt is not mine

For some time now I have tried to find out I keep getting billed for a XXXX panel done XXXX/XXXX/15. XXXX denied the billing as not medically indicated. I have asked that the coding under which it was billed be checked to make sure it was correctly coded and the doctor be contacted to verify that she ordered the test as medically necessary. I have had many conversations about this by phone and email with the billing department and they assured me that it would be looked into and they would know more in XXXX weeks. Today I was surprised to receive in the mail a bill from a collection agency XXXX USCB America XXXX indicating that the account was turned over to them as delinquent. Seems to me that you are not treating me fairly as on one hand your are supposed to be addressing my concerns while on the other you go behind my back and treat the account as delinquent. Please note that I have complete insurance coverage with Medicare and Tricare for Life and usually do not have any medical payments as Tricare for Life pays any charges left after Medicare. I have been told that I signed a form indicating I would pay for the procedure if Medicare did n't, however the form also indicated thatthe estimated cost would be zero [ {$0.00} ] which was the only reason I signed.
Complaint sub-issue: Contacted me after I asked not to

I recently purchased my Condo, and was living at XXXX XXXX. I gave my notice and informed them that I will be moving out and that the balance I would pay. I have emails where we came to a conclusion of amount and date that payment would be paid each month. I spoke with XXXX which is the manager at XXXX XXXX. She agreed verbally and through email. She stated that would be fine since I just purchased my Condo via VA Home Loan and was making sure my payments and anything that might go wrong would be taken care of. That is why I asked for payments. I know that I owe the debt but would need time to pay it off. XXXX inadvertently sent the file to Hunter and Warfield XXXX -- XXXX account number XXXX. I called them informed them it was a mistake, and that I had arrangements with XXXX XXXX to make monthly payments. They stated that XXXX just needed to call and have it rescinded. I called and spoke with XXXX, the Manager at XXXX and she informed me that Hunter and Warfield would n't release the file. I called Hunter and Warfield and explained to them that I refute this and is in dispute, please do not call me or contact me. My phone is a business phone and I can not receive calls. The lady said ok and hung up. I tried speaking with XXXX and she said there is nothing she can do. I informed her that the emails stated we had an arrangement and I am appalled how they could send it to collections. Hunter and Warfield has called my phone 2 times. I informed them that they are breaking the FDCPA regulations. I informed them that I will be filing a complaint against them. Afterwards when I called them back to confirm they are aware of me disputing this and filing a complaint the representative informed me that they cant speak with me and hung up on me. Since they state they have recorded lines and that they are following the FDCPA regulations, then they have broken not one, but 2 of the codes that protect me. I am very aware of my rights and they had no reason to contact me at work and demand payment when I informed them that I was disputing it.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I took out a private loan in XXXX of 2008 to pay for school in the amount of XXXX. My father is a cosignor on this loan. Unfortunately this many years later I have only been able to secure employment that is equivalent to that of minimum wage, whether its not full time hours or a low hourly wage. I have rent, I have bills. My mother got sick in XXXX and my dad took off work to take care of her. Both have not been working. We have fallen behind on payments. I have done everything under the sun to fix this problem and I have come up with nothing. The loan is serviced through American Education Services and was originally a loan from XXXX XXXX, that has since changed to XXXX. I understand XXXX is in the middle of a lawsuit and I would like all the information pertaining to this as possible. When asking about deferment, forbearance, or forgiveness options, XXXX is very vague. I neglected to mention that the loan is now XXXX because all of the payments made have been towards the interest and not the principal. I have offered to pay the loan off in the amount of XXXX just so that this problem can be resolved I am awaiting XXXX XXXX response. This situation has me very stressed, angry, and depressed. I feel as if it is placing a strain on my relationship with my family. I am at a crossroads where I literally do not know what to do.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I contacted US Bank on XX/XX/XXXX to inquire about the process to pay off my auto loan as I wanted to sell my vehicle and needed it paid off and title in hand to do so. I received the payoff quote and after trying to pay it off online, which their website wouldn't allow, I called back to pay it off electronically, as they said it would be much quicker to receive the lien release on my title if I did an electronic funds transfer instead of mailing a check. I initiated an electronic funds transfer for the full payoff amount that day and was told by the US Bank representative that I spoke with that the lien would be released electronically to the California DMV within 2 business days and my title would be mailed directly from the DMV. I contacted US Bank again on XX/XX/XXXX as I checked the title electronically on the DMV 's website and confirmed that the lien had not yet been released. At that point in time I was first told that my title is not held electronically and that it could be up to 30 days before I receive it. I was upset and after the person spoke to someone else he returned and advised that he was incorrect, that the title was electronic and that the title would come from the DMV once they released it, but that they take approximately 7-10 days after receiving payment before releasing it. This is not what I was originally told and is jeopardizing my ability to sell my car. They told me they have to make sure the funds are valid and I don't stop payment, yet it was an electronic transfer and my funds cleared my account on XX/XX/XXXX. I also believe the DMV in California has a 3 business day requirement from receipt of payment before a lien has to be released and they are violating this requirement by holding my money and not releasing my lien. I also have been provided zero proof that I paid off my loan, they refuse to provide me with an email or fax confirmation/receipt and my loan has now disappeared entirely from my online account. I feel like I can't prove my loan was even paid off yet.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, we submitted an ACH payment to MOHELA for the remaining accrued interest balance on my loans, which they service. It was processed by our bank on that date. 

However, due to the payment address on MOHELA 's site not being clear, they cashed the payment but sent it to the wrong address. This delay allowed additional interest to accrue on the account after the date upon which the total interest balance was to have been paid off. 

Both my wife and I spent extensive time on the phone with MOHELA, and were assured that the problem would be rectified. Upon our last phone conversation, a manager told us that it had been fixed, and that the payment would be applied to the interest balance, as we 'd specified. 

Today, XX/XX/XXXX, I received a call from MOHELA for an unrelated issue ( they ca n't get our mailing address correct ). Out of curiosity, I asked the representative to confirm that the interest payment had been applied to my account as it was supposed to have been. It turns out it had n't. They applied part of the payment to the interest balance, and part to principle, allowing additional interest to accrue on the unpaid interest balance. 

This is clearly intentional profiteering. Both my wife and I had repeatedly told and been assured by MOHELA representatives that our payment would be properly applied, which would have paid off any accrued interest balance. By improperly applying our payment ( and lying to us about it ), MOHELA is attempting to profit by charging us interest on a balance that was to have been paid in full nearly a month ago. 

Yes, I could have caught this earlier by checking their website, but frankly, that should n't be my problem. They made an accounting error, and we spent a great deal of time getting it worked out with them. My wife and I should n't be expected to babysit the company further, checking their website constantly to insure that they simply do what they were supposed to have done with our money. 

Supposedly this is to be resolved " sometime this week '' according to the representative I spoke to today. I was not given any kind of date, and was told that I have to just keep checking the website to see if the problem has been fixed. At this point, I have no faith whatsoever it will be corrected. 

Unconscionable, and sadly, seemingly unpunishable.
Complaint sub-issue: Problem while selling or giving up the vehicle

I traded a car that was financed through PNC Bank on XX/XX/XXXX. The dealer sent a check to PNC Bank in XXXX via XXXX on XX/XX/XXXX, which was received and cashed by PNC on XX/XX/XXXX, per the information on the back of the check. The correct VIN and PNC account number was provided on the document attached to the check, along with dealer information. However, the funds were never credited to the loan account, despite numerous phone calls to PNC Bank by me and the dealer 's finance/accounting representative. I personally have been in communication on a daily basis with no less than 5-6 individuals at PNC Bank, 3 of them in the Escalation Department with no resolution of the matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a revolving credit account with XXXX XXXX XXXX of XXXX, AZ opened in XXXX. In XXXX, XXXX, I paid off the balance I owed, almost {$20000.00}. Equifax has continued to inaccurately report I owe a balance of {$19000.00} as of XX/XX/XXXX. The other two credit bureaus, XXXX and XXXX, both correctly report a XXXX  balance on this account with XXXX XXXX XXXX. I have disputed the inaccurate balance reporting with Equifax twice, once online and once over the phone. Initial dispute # XXXX filed XX/XX/XXXX and subsequent dispute # XXXX filed XX/XX/XXXX. Twice the results of these two disputes continue to inaccurately report I owe the same balance, {$19000.00}. On XX/XX/XXXX I spoke with customer service representative XXXX at XXXX XXXX XXXX. I inquired about the error in my balance owing reporting by Equifax. She could only confirm that my balance was XXXX  and that XXXX XXXX XXXX reports to all three credit bureaus each month. XXXX suggested I dispute the error with Equifax. 
I then spoke with a customer service representative XXXX from Equifax on XX/XX/XXXX to inquire as to why the first dispute I submitted online did not correct the inaccurate balance reporting problem on my XXXX XXXX XXXX account. She suggested I dispute the inaccurate reporting of the amount owed again. I did so with her assistance over the phone. The results of the second dispute continue to show the same inaccurate balance owed, {$19000.00}. She did advise me that I could add a consumer note to this account disputing the amount owed. While all well and good, this does not change the calculated Equifax credit score that includes the inaccurate report of a balance due at XXXX XXXX XXXX of {$19000.00}. I was told there was no other method of correcting an error other than to continue to dispute it and include a consumer note on that account. This is fraudulent and abusive behavior committed by Equifax. I ask that this be investigated and corrected immediately. Willfully providing inaccurate account balance information to my creditors and potential creditors after being told twice of the inaccurate reporting is both harmful to me and negligent.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I received a form XXXX XXXX identified as credit card debt. The dollar amount listed on the form as amount of debt discharged is {$1900.00}. The date of discharge is listed as XX/XX/XXXX. 
However, my last payment on this credit card was XX/XX/XXXX ( per my XXXX credit report ), and I have always lived in California. 
I called the issuer of the XXXX ( Discover Bank ) and requested that the XXXX be corrected ( deleted ). I called Discover Bank today ( XXXX ) at XXXX PST. The phone number that I called was XXXX. I asked for the telephone representatives name twice to be sure of it, and she confirmed that her name was XXXX. After I provided my personal information, XXXX  said that Discover Bank would not correct/delete the XXXX because, although my last payment was made in XXXX, Discover Bank used a 7 year statute of limitations calculation before discharging the debt through the form XXXX. 
I explained to XXXX  that I live in California, which currently has a 4 year statute of limitation to collect on credit card debt. However, XXXX still refused to correct/delete the XXXX because she said that I still owed Discover Card the money in XXXX, before the XXXX was issued. 
Since Discover Card is refusing to correct/delete the XXXX that was issued to me ( and the IRS ), I am asking that you please contact them on my behalf to force them to correct/delete the XXXX so that it is no longer being wrongly reported as XXXX canceled debt income on my ( IRS ) income tax records.
Complaint sub-issue: Investigation took more than 30 days

I disputed through cfpb and the company i disputed said on the cfpb portal that the items in dispute are no longer on my report and that is not true. Equifax will take unverifiable information off a credit report is in dispute and then pkace it back without providing the necessary documents to do so and they keep practicing it with my file.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2022, per my conversation with Lexis Nexis,. They are still reporting incorrect information ( Bankruptcy ) that was not verified by the original source. XXXX XXXX XXXX XXXX XXXX XXXX  ) stated that Lexis Nexis did not contact the courts for verification and relied on a 3rd party vendor for for verification. When ask, they refused to give me the source. Im requesting that this information be removed per FCRA due to un verification.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any Purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/20 Citibank North America made two hard inquiries on my credit file. One is titled STAPLES/CBNA and the other is titled CITIBANK NA/THD. These were made due to identity theft. I did not apply for these accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX/XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.
Complaint sub-issue: Problem with personal statement of dispute

I've sent three emails with no response on XX/XX/19, XX/XX/19 and XX/XX/19. Company reported information for employment back ground past states statute of limitations causing me hardship..