Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I am court appointed guardian for XXXX year old suffering from XXXX and in facility. Guardian appointed after Older Adult Protective Services determined her to be neglected and financially exploited by family members. In 2012 she co-signed for a federal PLUS load to benefit a great niece. We applied for XXXX XXXX XXXXXXXX XXXX XXXX of co-signer obligation. We have doctor certification that co signer is permanently XXXX and can not engage in gainful employment. We submitted Great Lakes Education s Loan Services ( Servicer ) account number XXXX and copies of correspondence from Servicer indicating borrower making payment schedule. Servicer provided us with copy of loan application but redacted social security and birth date info.We provided this application to XXXX. Original loan ID # XXXX. XXXX is refusing to grant discharge of co-signer obligation because family is uncooperative and we can not obtain dates of birth and social security numbers for borrower and student.
Complaint sub-issue: Can't use card to make purchases

I received an email from Dicover requesting me to sign something so they can retrieve my tax records or my account would be suspended. I signed it a few days ago, then today XX/XX/22 I try to use my card and it was declined. I have just paid off this card and now I can't even use it, also perfect payment history on it, always paid more than the minimum and never late. Not to mention, my last years taxes have nothing to do with my current wage now. I called today and they wouldn't provide me with any detail as to why I'm being punished for being a good customer. They said that it is discover that requests this, but they wait on the irs that could take up to 3 weeks. I asked what if I used all my money to pay this card off, and was going to continue using it? " Oh I'm really sorry, I understand your frustration. '' No you don't because I've worked so hard on fixing my credit and now discover is playing games with the bills I have autopay set up with.
Complaint sub-issue: Was not notified of investigation status or results

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX TN ) Acct # XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) Acct # XXXX .... XXXX Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Investigation took more than 30 days

I have disputed information regarding my personal credit report that is reporting inaccurate information. I have sent dispute letters to all three credit bureaus on XX/XX/2022 in regards of the inaccurate information that is currently still being reported on Equifax, XXXX, XXXX. The total amount is ( {$410.00} ) which is a collection account as well as other inaccurate accounts. This inaccurate information is hindering me from establishing new credit accounts and other things regarding business. I appreciate you in advance for looking into this matter on behalf of myself!!
Complaint sub-issue: Personal information incorrect

My name, current address & employment are incorrect, and or missing on my credit report.
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
Complaint sub-issue: Account terms

XXXX XXXX XXXX was asked to remove the negative information for my credit report and my spouse. XXXX refuse went to XXXX in XXXX XXXX, Georgia. Judge determine case was too old and should be removed from ALL bureaus. Sent information about the reports and the bureaus Equifax and XXXX and XXXX XXXX. XXXX XXXX remove the negative XXXX for myself and not my spouse. At this point the information was to be removed based on age of the account not its collection practices that XXXX could not prove. Please ask that this information gets removed. My Social Security Number is XXXX my spouse is XXXX we are trying to clear this up since 2014. XXXX was told too old to report and must be removed from our bureaus. We seek to get this remove as the Judge states on the evidence of the status of age of the account.
Complaint sub-issue: Information belongs to someone else

Equifax continues to report an account with XXXX with a balance of {$40000.00} since I only see it on XXXX XXXX it does not report an account number. It shows I was an authorized user which I was unaware of anyone placing me on this account. This is not mine and it should not be listed on my credit file.
Complaint sub-issue: Information belongs to someone else

I was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information.

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXX XXXX  XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX  opened XX/XX/XXXX in the amount of {$700.00}
Complaint sub-issue: Banking errors

I opened an account back in XX/XX/2019. I signed up for a promotion and was advised that after 5 months I would receive {$100.00} if I referred someone. I referred my Uncle who shares the same last name as me. I never received the referral bonus and I filed a complaint and they advised me that the local bank did not code my account correctly in order to get the bonus. The local bank advised that they are still working on it.
Complaint sub-issue: Account information incorrect

Carter - Young Inc. was informed several months ago that their client was reporting this little XXXX {$53.00} erroneously, Im a service connected XXXX XXXX XXXX Veteran, and Im a Social Security XXXX Beneficiary, Ive Awesome health Coverage, I have XXXX XXXX & the XXXX XXXX XXXX Coverage. Carter-Young Inc client XXXX XXXX never XXXX filed for Secondary Insurer, the XXXX  XXXX XXXX plan was never filed by their Ignorant client, XXXX  XXXX! Instruct Carter-Young Inc, remove this XXXX, and remove it now, Im covered @ 100 %, No XXXX Co-pays, No Co-Insurance & No deductibles period!
Complaint sub-issue: Problem with statement of dispute

never late paying apartment rent nor deposit..never late during my two and a half years there ... followed instructions on terminating lease yet got billed for a months rent plus cleaning and damages caused by the maintenance man on a prior incident where he knocked over a fire extinguisher that sprayed all over the place and in the air and under the appliances ... .not my responsibility. I WAS NEVER EVER LATE! manager seemed to hold a grudge against anyone with suggestions of improvement in this seniors facility, and personality changed.
Complaint sub-issue: Didn't receive notice of right to dispute

Never been notified of debt execpt when filed XXXX XXXX. They are trying to collect on a debt from a bill of sale from XX/XX/XXXX. To this day of the complaint never receipt any information on it. Also they never filed for a lean on the property. 

Also read this law. ( Thanks to a law passed in XXXX, the statute of limitations of debt in New York is three years, which means that's how much time a debt collector has to file a lawsuit to recover the debt through the court system ). 

If I amd reading the right right that was passed then the statute of limitations has passed because they bought the debt on XX/XX/XXXX and we are in now XX/XX/XXXX. 

The Bill of sale was never dated when signed. 

The most recent the tried to collect was around was on XX/XX/XXXX. I do have docket if needed. 

The Company is : Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Complaint sub-issue: Trouble getting information about the card

My name is XXXX XXXX XXXX. 

I receive my XXXX pension via direct deposit to Comerica Bank and access the funds using a XXXX issued by that bank. ( I am currently residing in XXXX. ) I have recently had trouble accessing my account information through their web banking site. 

My complaint is that on XXXX, XX/XX/XXXX at XXXX pm XXXX XXXX, I called for help in solving the Web Problem and was asked by the man assisting me for BOTH my username AND password!!!!! 
I declined to answer the password question and he said he needed to generate a ticket to have someone call me back. 
The following day, when I called to complain about the password question I was assured, by two different people, that it is " standard procedure '' to ask for that information when generating a web support ticket! 
If an hourly paid stranger can request that information from everyone needing help then it is inevitable that one of them will use that information to log on to an account and siphon some or all of the money in that account! This practice should be PROHIBITED and I strongly protest against it being part of Comerica Banks policy! 

Sincerely XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Investigation took too long

I submitted a complaint via certified mail to Equifax more than one year ago. My Equifax credit report shows the dispute and says it is under investigation. Under the Fair Credit Reporting Act, Equifax had up to 45 days to resolve this dispute. They have yet to update the debt which is hurting my credit.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX. I am writing this 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 these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX AND XXXX  ALLOW THE COLLECTION ACCOUNT WITH XXXX  XXXX   TO LEAVE INFORMATION BLANK AND INCOMPLETE. EQUIFAX AND XXXX   MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! EQUIFAX AND XXXX  PURPOSELY ALLOWS XXXX XXXX  TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. XXXX, AND EQUIFAX ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX  A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX XXXX XXXX  by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Complaint sub-issue: Problem with customer service

I have been working since last summer to submit PSLF paperwork and get an updated count of current qualifying payments. I have had to resubmit paperwork several times, and have made several phone calls to the servicer ( multiple times throughout the summer   XXXX  , then again in  XXXX ,  XXXX ,  XXXX , and  XXXX  of this year. ) Each time I am provided with different information. Either my paperwork is being reviewed, or they are going to place it under review. I am assured that I will receive some kind of documentation ( either online in my account or via mail ) within a certain time perio d ( som etimes 60 days, sometimes 90 days ) and to please wait. I still do not have the information I have been asking for, do not know how many qualifying payments are being counted towards PSLF and have not been given any information on what I can do to move forward. Currently, my account reflects o nly 17 qual ifying PSLF payments, even though this number should be closer  to 50. I can  not get any explanation for what is being counted, what is not being counted, and why. During my last phone call in  XXXX  I was total that a " payment tracking '' document would be sent to me via mail and that I should receive it within 60 days. Thus far, I have not received anything.
Complaint sub-issue: Received bad information about your loan

After reviewing my Fedloan account XX/XX/XXXX, I noticed that my Outstanding interest had been {$30000.00} but was changed to {$21000.00}. Consequently, the Principal Balance had been {$180000.00} but was changed to {$190000.00}. I had not made any recent payments, nor did I place a request for this change. 
In my letter to XXXX, I informed them that this change in distribution will significantly affect the amount of interest on the principal when student loan repayment restarts after XX/XX/XXXX. 
I contacted Fedloan servicing on XX/XX/XXXX concerning this change and the customer service representative was unable to determine why the change was made and who authorized it. After several times placing me on hold during the call, she finally informed me that I can request an account review. 

After reviewing my account on my own, I noticed that the adjustment is on a payment of {$8300.00} which was made by my employer on XX/XX/XXXX. This payment was initially applied to the principal. However, sometime in XX/XX/XXXX, this payment was split so that {$300.00} remained paid to the principal while {$8000.00} was moved to pay interest. My understanding is that all payments would be applied to principal during the pandemic. 

I would appreciate if this matter can be investigated.
Complaint sub-issue: Reporting company used your report improperly

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX XXXX Social Security : # XXXX Mailing Address : XXXX XXXX XXXX, IN XXXX XX/XX/2020 I XXXX XXXX have made Multiple Attempts in the past year or two ( 2 ) to  Corret ( Wrong ) Postings on my Credit Bureaus. 

1 ) Professional Credit Services : Posting a debt of {$200.00} owed them. on my XXXX Bureau. It had been Deleted from my XXXX  Bureau. 

2 ) XXXX XXXX : Acct. # XXXX Posting a Balance of {$770.00} owed. Previously in XX/XX/2020 XXXX  Report Posted a {$0.00} Balance. According to FCRA, FDCPA Reinsertion of any alleged debt is illegal! But XXXX has.
Complaint sub-issue: Received bad information about your loan

Upon much research and due diligence regarding my student loans, it was brought to my attention that the bank or agent is not the holder in due course of the promissory note. Several attempts were made to obtain information regarding bookkeeping entries, questions concerning this transaction and other relevant information, and requests for the actual and original promissory note of the transaction to be produced. These requests in writing were sent via certified mail with delivery confirmation to agents of the Pennsylvania Higher Education Assistance Agency ( PHEAA ). On the following dates, letters were sent to XXXX XXXX XXXX, DBA XXXX XXXX agent, to request such information : XX/XX/XXXX Notice of Adequate Assurance of Due Performance ; XX/XX/XXXX Notice of Default and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt ; XX/XX/XXXX a final notice regarding failure to comply with UCC Code 2-609 " Notice of Adequate Assurance and Performance '' ; XX/XX/XXXX Request for Original/Unaltered Front and Back Side of Promissory Note and Notice of Failure of XXXX XXXX to Respond to 2nd Questionnaire Regarding Creation of the Alleged Loans. 

Despite sending these letters, I have not received answers to my questions, nor the original and unaltered promissory note as requested. 

Lastly, on XX/XX/XXXX a Notice of Termination was sent to XXXX XXXX XXXX XXXX, XXXX, attorney for the agent XXXX Bank. Notice was given that the contract and any obligation it created was hereby terminated for failure to provide adequate assurance of due performance as outlined in international contract law UNIDROIT principles of international commercial contracts XX/XX/XXXX. 

Despite requests for full-disclosure, I have not received information from the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to assure of its performance and that I received proper consideration to support the contract. It's somewhat confusing that I can submit certain questions regarding this matter and the parties remain silent to my requests. My contention is that they have not satisfied themselves to the validity of the original agreement when becoming either agent or holder in due course and shows a profound failure in their due diligence and duty of care. It is also my understanding that they have an obligation to speak. Pursuant to the XXXX XXXX XXXX v. United States ( XXXX XXXX XXXX ) " An entity can not compel performance upon it's corporate statutes or corporate rules unless it, like any other corporation, is the ( holder in due course ) in some contract or commercial agreement between it and the one on whom it demands for performance are made, and is willing to produce said document and to place the same into evidence before trying to enforce it's demands. '' Since they have failed to respond and substantiate their capacity of holder in due course, I have no further duty or obligation to perform.