Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

The company sent letters about delinquent account after approving the loan for forebearance. 

A letter was sent to us saying that immediate action will be taken if we do't pay the loan that they informed us they had placed in forbearance due to COVID 19
Complaint sub-issue: Account status incorrect

1-This company called ( Loanme ) is involved in reporting erroneous information about me to XXXX  at the status level where they write : Charge-Off. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint.

2-This company ( loanme ) is also reporting wrong address information about me.
Complaint sub-issue: Investigation took more than 30 days

I have submitted dispute to you amd I didn't get a response within 30 days And you'll are required by law to do so. Please investigate my disputes please. Thank you.
Complaint sub-issue: Debt is not yours

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/XXXXand XX/XX/XXXX I took out two federal parent student loans for my son 's education. Each loan was about {$25000.00}. I began making payments immediately at the level Mohela suggested was a minimum payment. I did this for many years. I finally realized the payments were never enough to cover the interest of the loan. Mohela never told me that. When I contacted them, they said I could bring the loan into a re amortized type of situation and make a fixed payment for 15 years and pay the loan off. I recently fond out that none of my new payment was being applied to principal and in fact didn't even cover the interest. 

So now after over 10 years of payments, I owe more than the original loan amount. My payments began at the {$350.00} per month level and increaswed up to over {$550.00} per month but not one penny has been applied to principal. I was very much mislead by Mohela to my determent and their great financial advantage.
Complaint sub-issue: Not given enough info to verify debt

Sent two requests to validate collecting debt no response was received and XXXX and XXXX will still not remove item after proof of non-compliance was provided.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I had a {$2.00} charge. I experienced a problem with the companies app and my payment couldn't be processed properly. It was not applied in the way I expected and how I normally make all my payments on the app. I also did not know a payment was due. 

When I found out about it, I instantly paid it in full ( for {$3.00} XXXX on XX/XX/XXXX *see attached XXXX. It was an unfair late payment that was only for {$2.00}. I should have been notified in multiple ways with a paper statement or email etc. I should have been notified that my payment did not go through and confirm. 

I now have a tough time applying for credit cards, lines of credits, auto loans, etc. I've been a member since XXXX and the company will not help me with this unfair situation. 

Since then, I have always made on-time payments and I am in good standing with all my other credit card holders. I consistently pay and I have set up an automatic payments for the full statement balance, so that this doesn't happen again.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Complaint sub-issue: Problem getting my free annual report

I filled out the request form for my free credit report from Equifax on XXXX/XXXX/15 and upon my completion they requested a fee of {$7.00}.
Complaint sub-issue: Information belongs to someone else

THE FOLLOWING ACCOUNTS ARE FRUADULENT AND NEED TO BE REMOVED NOW
Complaint sub-issue: Need information about my balance/terms

AES now holds most of my private loans. They refuse to send one statement with all of the loans and loan amounts on one statement. Instead I get a series of confusing and contradicting information. They also will not help me to navigate the pursuit of discharge because of my XXXX, I continue to ask by phone and in writing for straightforward instructions on the discharge process.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2019 I used my Macys American Express credit card to buy an item from Macys for the amount of {$15.00}, Time passes By and I didnt receive any statement for my bill until 3 months later I received an email for a past due payment of around {$90.00} including the late fee of course. I called and told them that I havent received any bill for the past couple months, so they just waived some of the fees and I ended up paying about {$30.00}. 
This is not the problem, the real problem is that they reduced my credit limit from {$2000.00} to {$300.00} and they reported to they credit bureau that I missed a payment for two months. And my credit score dropped really bad. I never missed a payment in my life and I had an excellent credit score. It felt like a set up, everybody is busy around XXXX time and were all humans we forget things, thats why the credit card company send bills and reminders to pay. 
Please help me fix this, because I really felt helpless when I tried calling my credit trying to fix that issue. 
Thanks for your concern.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Information is missing that should be on the report

Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.
Complaint sub-issue: Old information reappears or never goes away

Credco -  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  Please remove these inquiries.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

When I initially filed the disputes ( both for XXXX  ), I received XXXX emails from Citi saying that they had received my disputes, and both emails had separate case numbers. XXXX was XXXX for {$2000.00} ; however, the other case ID was XXXX for {$2500.00}. 

The merchant responded to the dispute, stating that I had bought XXXXXXXX XXXX XXXX. This is false. I purchased XXXX XXXX XXXX XXXX XXXX They also included an edited video that stated that I was satisfied with my orders. However, the merchant forced me to say that before receiving the items, and also edited the video- this is because in the full video, I say that I have not received my items yet. 

When the merchant responded to the dispute, I received XXXX letters from Citi that both referenced XXXX, when only XXXX letter should have referenced XXXX while the other should have referenced XXXX. Because of this error from Citi, I was only able to respond to XXXX case instead of both, as is my right. It also looks to me like the merchant only responded to XXXX and not both XXXX IDs. So Citi 's reversal of the temporary credit for {$2500.00} was not warranted, as the merchant only responded to XXXX. I would even go so far as to say that because the merchant failed to reply to XXXX, I should be granted a permanent credit for that charge. 

To summarize, I was only given the opportunity to respond to XXXX of my XXXX disputes with XXXX, because Dispute ID XXXX was never mentioned after the initial emails I received that clearly distinguished the XXXX disputes with XXXX different dispute IDs. Instead, I was expected to respond to the same Dispute ID twice. Additionally, the merchant only responded to Dispute ID XXXX and not XXXX. 

I was also asked to provide a credit slip by Citi- I don't have a credit slip because, again, I never received the items. 

Because of how this has been handled thus far, I have no choice but to file my complaint with the CFPB. 

I am attaching the FULL video below where I was coerced to say that I was satisfied with my order, but say that I have not received the orders.
Complaint sub-issue: Information belongs to someone else

I ran my credit for the first time and realized someone has been using my identity. I have not gave no one permission to use my social to apply for no credit card.below are the accounts that don't belong to me : XXXX XXXX- Opened XX/XX/XXXX - Amount {$330.00} XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - Amount {$1000.00} 3 ) XXXX   XXXX / XXXX XXXX Opened XXXX Amount {$0.00} 4 ) XXXX- Opened XXXX Amount {$0.00} 5 ) XXXX XXXX- Opened XXXX Amount {$0.00} 6 ) XXXX  XXXX XXXX- Opened XXXX Amount {$0.00} 7 ) XXXX XXXX XXXX- Opened XX/XX/XXXX - Amount {$900.00} 8 ) XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX - Amount {$0.00}
Complaint sub-issue: Keep getting calls about my loan

I American Education services continues to call and email monthly when my payment is due. I have attempted to contact them and complain to them as they demanded that I make 3 payments from XXXX XXXX 2015 thru XXXX/XXXX/2015, which have been made when I called to discuss this with them they would not call me back as I requested.
Complaint sub-issue: Can't get flexible payment options

I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making payments and let my account fall behind they can then work with me until then I am on my own. I have a XXXX credit score and do not think that I should have to ruin my credit to get assistance in trying to pay my debt down. When I asked would it help if I made more of a payment would the balance come down, I was told that not matter what I send it will come off the interest and not the balance until all the interest is paid back. I find it very hard that in 8 years nothing has come off my principle. I feel that no matter what I do AES will not let this loan be paid off. I feel as if I am drowning in this debt and cant tread water for very much longer with out giving up.
Complaint sub-issue: Was not notified of investigation status or results

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made several attempts to have all the errors and inaccuracies reporting on my consumer report corrected with Equifax, but Equifax refuses to respect my privacy or abide my the federal laws in place my congress. There are still billing errors, incorrect addresses, phone numbers, names, collection accounts, and more STILL BEING REPORTED on my consumer report. Equifax has been willfully negligent in remedying my affairs and has continued to violate me and discriminate against me. My disputes with Equifax have not been investigated properly or validated. Also has violated my right to privacy 15 U.S.C 6801. This is last and final attempt to have this issue resolved. If Equifax does not honor my demand civil suit will follow. Please see attachments.
Complaint sub-issue: Information is not mine

Tried talking to someone about this issue and they was very rude
Complaint sub-issue: Information belongs to someone else

I reviewed my XXXX credit report and I totally shocked that XXXX   reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. US BANK | XXXXXXXX Balance : {$1600.00} 4. US BANK | XXXXXXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX  has violated my rights and I will be consulting with a consumer attorney sue XXXX  for its negligence.
Complaint sub-issue: Problem with customer service

My Citi credit card has a feature that I can return a purchase to them if I cant return it to the retailer. I used this feature on XX/XX/18 for a messenger bag I had bought and could not return. 

Citi gave me a XXXX shipping label to send it to them. I dropped the bag off at a XXXX location. After a month and no update from Citi, I called them and they told me they had not received the bag. They told me to contact XXXX. I went to the XXXX store and was told they would have to open a trace because tracking showed it was never processed. The trace was closed without XXXX finding the bag. I contacted Citi and they said it was my responsibility to send them the bag, and that they wouldnt do anything further for me. 

I don't normally use XXXX because it is inconvenient for me to get to a location. I only used them because Citi instructed me to do so. Citi didn't give me an address to send the bag, they just sent me a shipping label. I could not send the bag to them any other way. Now they are saying they take the word of XXXX over mine, and they will do nothing further to assist. My bag is lost because I used the shipping label Citi gave me ; had Citi just told me where to send the bag, I would have used a different, and in this case more secure, method of shipping. 

Now I am out {$270.00} and a bag
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 XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Office of the ATTY XXXX : # XXXX, XXXX XXXX : # 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 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: Other problem getting your report or credit score

I was a victim of identity fraud more than once. I sent in the FTC identity fraud packet I gave them police reports and they froze my account and suppress my account and refuse to give me access to my credit for almost two years now.

They said they need documentation from the Social Security administration I have done that more than once.

I have mailed it a certificate of mail and they still won't unfreeze my credit access me while somebody else is using my credit to commit fraud and criminal acts. However, they said I sent in falsified documentation which is a lie because you can't falsify the FTC fraud packet or numerous police reports. 

I'm ready to take legal action and sue XXXX XXXX ; Equifax ; XXXX  : XXXX and XXXX for furnishing fraud information falsify information identity theft information and block me from correctly or getting access to my own credit report.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Good evening. I received a pre-paid Mastercard " debit '' card as part of an agreement between XXXX XXXX and I for {$25.00}. This card has an expiration date embossed like all Mastercards. The expiration date was yesterday XX/XX/XXXX. When I call the Mastercard system I am told I have a valid balance of {$25.00} for purchases ; however, I can not spend the {$25.00} due to the expiration date. It was declined when I tried to use the card today. I contacted Mastercard on XX/XX/XXXX and spoke to two people ( one in Corporate communications ) and they stated the money no longer belongs to me. I find this distasteful at best. I have the card agreement that was attached to the card and in tiny print there is one single line about " your CITI PREPAID Card expires on the date embossed on the front of the card '' -- it 's intentionally buried in fine print. How could this be legal?
Complaint sub-issue: Account information incorrect

The credit reporting Agencies illegally allowed XXXX XXXX XXXX, to continually add late payments to my account after they charged off the account. When this account started reporting as closed there should not have been any more delinquencies, but this account has been continually reporting late payments. This account has been closed since XX/XX/XXXX and my credit reports are showing late payments up to XX/XX/XXXX. This account is also showing as a charge-off since XX/XX/XXXX, but again the credit bureaus are continually allowing this company to illegally report late payments, that's impossible to late on a closed account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XXXX 2017 and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to Equifax and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.