Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

In consideration of the PSLF program, I consolidated my loans under the Direct Loans ( in XX/XX/XXXX ), and have worked with a qualifying employer ( federal agency ) since XX/XX/XXXX. I have been under the PSLF program since XX/XX/XXXX and have paid my payments in full every month under a qualifying income-driven repayment plan. My PSLF employment recertification form was completed and received by the servicer in XX/XX/XXXX ( attached ). 

In XX/XX/XXXX, I received an update on my PSLF qualifying loans, stating I have 30 qualifying payments for both subsidized and unsubsidized loans, and qualify for forgiveness in XX/XX/XXXX ( attached ). This is correct. 

I recently received a second update on my PSLF loans in XX/XX/XXXX which now states that I only have 11 qualifying payments and qualify for forgiveness in XX/XX/XXXX ( attached ). This is incorrect and came as a total surprise given that I received a different number only two months prior with no changes since then.

I called the servicer right away and the Servicer representative could not explain what happened. They stated the computer automatically calculates payments under some criteria they couldn't explain. The rep flagged my issue for " manual review, '' but also stated that it would take 3 to 6 months before I get an answer. They could not provide any acceptable answer or honor my request expedite my issue.

Considering this effects more than thousands of PSLF applicants, I would like to press the issue of the Servier incorrectly processing payments by " automated processing '' and improperly managing the accounts and communications to the customer.

The review time is 90 to 180 days for a " computer glitch ''. Instead of addressing the inaccurate automated processing directly, the servicer is choosing to delay any correction by placing it under " manual review '' for an unreasonable period of time. Shouldn't the review be completed BEFORE the account is updated and BEFORE the communication is sent to the customer? Due to its automated nature, this is a blatent Servicing error that affects thousands of applicants, yet could easily be corrected by the Servicer.

This issue presents as poor communication and handling by the Servicer. If this is a common issue with the PSLF program, it needs to be addressed  immediately to maintain the integrity of the program. When applying for forgiveness down the line, I need to know that my payments will be honored. Please let me know what information you need to rectify this problem. Thank you.
Complaint sub-issue: Information belongs to someone else

They are reporting inaccurate accounts on my credit report. XXXX XXXX, XXXX XXXX
Complaint sub-issue: Received bad information about your loan

in XXXX my student loans with Nelnet were put in forbearance due to hardship. I was told by the representative that they would stay in forbearance for 1 year based on my income. Instead the representative put my loans in a 1 month deferment. I then moved and by the time I got settled into my new state and mail forwarded. I received notification that my loans were past due. Confused, I got through the same process! I still have the emails sent to the student loan provider in XXXX and XXXX showing I was on food stamps, XXXX and met the income qualifications to stay in a 1 year forbearance. Keep in mind these calls are supposedly recorded and documented so there should never be an issue. I provided the documentation on several occasions between XXXX showing that I could not financially afford to pay back my loans. I was told each time they would be in forbearance based on my income, proof of government assistance such as XXXX, XXXX XXXX, XXXX XXXX and household size. Yet these representatives instead of helping me kept putting my loans in 1 month deferments. It took returning to school and finally speaking with a helpful representative to put my loans in the income based repayment program in XXXX. My issue is this late payment history that was no fault of my own has been negatively effecting my credit report for years. I have disputed, called, and sent a XXXX letter. I am a XXXX  and Veteran and completely disappointed with how I was treated by this lender and the false information portrayed on my credit. Costing me thousands a year in predatory interest and directly effecting my ability to obtain new credit. keeping me in a position of hardship for years. The dates for these so called late payments do not even match on all 3 bureaus.
Complaint sub-issue: Debt is not yours

XXXX filed an eviction against me and my family after refusing to accept the rent for that month.Saying that we did not pay rent the month before.I sent in the rent receipt to courts proving they lied, they said no rent payment for present month sent in copy of money order in which they refused to accept and full rent amount.instead they demand the keys we forward all proof to courts in our response to eviction answer the Judge only ruled us to vacate property we didn't turn money into court register because they wanted keys and us to vacate The judge did not rule any funds owed to XXXX and closed the book on that no open judgements owing them anything. they kept our {$1400.00} deposit. we lived in a badly molded home which we should've never been there to began with never missed a month paying rent. Now they have their collection company Hunters Warfield harassing our credit reports for $ XXXX and the judge did not rule us to pay no $ amount to them. I have called the Clerk of Courts to see if they had anything that was ruled by the Judge for  us to pay and they says no nothing at all and the final Judgement is closed. we also forward the courts a copy of the emails sent to us from the property manager was demanding the keys over the money order for rent that month then they filed eviction saying we did not pay our rent they should have stated the truth that they didn't accept the rent money order. they had no reason to have treated us this way we feel very discriminated against and now harassed for $ XXXX dollars by their collectors Hunters Warfield and for what? We forwarded documented proof to the judge.so where is the open judgement of owing $ XXXX on our records? There is none Exactly we are being discriminated against why?? There was no reason for them not to except our rent payment why did we have to be treated so differently and still is with Hunter Warfield reporting to our credit reports. then lied to evictions courts 100 percent. still being discriminated against through Hunter Warfield this is so senseless. but we will get justice served by all legal means necessary. ( smile )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover has colluded with XXXX to defraud me of {$310.00} for an item that I returned for a full refund to XXXX on XX/XX/20. I submitted proof form XXXX that the item was signed for and delivered on XX/XX/20. I was never refunded by XXXX and Discover has continually failed to fairly and correctly rule in favor for my dispute. I submitted 10+ documents as proof that the item was returned and that XXXX never refunded me.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and my personal information stolen.
Complaint sub-issue: Debt is not yours

A law firm called Rausch Sturm LLP filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to XXXX XXXX in the amount of {$43000.00}. 
They mailed me over 400 pages of charges made by someone on a credit card obtained in 1990 by a person who has part of the name similar to mine. 
I have contacted the law firm and XXXX XXXX several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person. 
Today, XX/XX/XXXX, I called XXXX XXXX, XXXX XXXX XXXX XXXX and they say it takes up to 30 days to get back to me. 
Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company. 
In the meantime I have 10 days left to respond to the legal claim. 
I am a citizen of the United States, I have lived in this country for 40 years and my resume is impeccable. I have never defaulted on a debt, my XXXX XXXX is over XXXX. I have never had the slightest legal problem in my life. 
This unfair situation has my wife and I under maximum stress. I am XXXX XXXX XXXX. I am a XXXX  with an extensive background and I can prove all the acts of my life have been correct. 
I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these XXXX companies can give me an answer immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In the month of XXXX, 2019, I stayed at a hotel in the country of XXXX for two nights. I paid for my hotel stay using my XXXX Citibank card and by using the XXXX App. The cost of my two night stay was approximately {$260.00}. No problems so far. 

Some time after my stay at this hotel, I saw on my credit card statement an additional charge of {$1800.00} issued by the hotel. The name of the hotel is XXXX XXXX, XXXX. 

I immediately called Citibank to dispute this charge. Citibank suggested I call to hotel to attempt to find answers to the problem. I did, four times, but nobody was able to offer me any information on the charge. With that, Citibank began an official investigation. They gave me a temporary credit of {$1800.00}. 

On XX/XX/XXXX, I received a message from Citibank saying the dispute had been resolved in the merchant 's favor because the cost of the two night hotel stay was {$260.00} and I had indeed stayed for two nights. They had investigated the wrong charge! And then they removed the conditional credit of {$1800.00}. 

I emailed them back immediately, letting them know that they had investigated the wrong charge, as evidenced by the fact that my conditional credit was for {$1800.00} but the documents they had sent me were discussing a different amount. 

Three weeks later, I got a reply that they had reinvestigated a charge of ... {$260.00}. Again, they had investigated the same unrelated charge! Despite the fact I had gotten a conditional credit for {$1800.00} back in XXXX, Citibank was continuing to investigate the charge of {$260.00} for my original two night stay at the hotel, a charge that I never disputed. 

I have emailed Citibank again over this but have gotten no reply. Meanwhile, the charge of {$1800.00} continues to charge me nearly 30 % interest. 

I am attaching the 3 documents I have so far received from Citibank. If you look at them in order, you can see the absurdity of the situation at hand. 

I would be grateful for any assistance on this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a collection and a few inquiries on my report that I do not recognize
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX you reinstalled a account with out notify me XXXX days in advance that is a violation of the Fair Credit Reporting Act you also have on this account past due this account was sold TO A COLLECTION COMPANY when THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORT YOU REINSTALLED IT WITH THE ORIGINAL CREDITOR STATEING YOU HAVE A CERTIFICATEENCLOSED ARE A LONG LIST OF U.S.C. CODES YOU AND YOUR DEBTOR have violated also XXXX XXXX States selling a vehicle without notifying consumer of where and when the sale of vehicle was taking place
Complaint sub-issue: Having problems with customer service

I had a US Bank Educational Loan, in the amount of {$5000.00} ; of which I consolidated many years ago. I recently became aware of there being a remaining unpaid balance in the amount of {$230.00} that appears on my credit as a Charge Off. I contacted US Bank, attempting to resolve this matter. I explained to XXXX different representatives that this balance remaining was a result of a Consolidation error, and that US Bank never contacted me regarding this, but now that I am aware of this being on my Credit, I want to resolve, and I offered to pay the balance in full. However, I asked for them to remove/delete the negative reporting from my Credit Report, requesting that this no longer appeared as a Charge Off, if I was to pay the balance in full. US Bank Representatives told me that even if I were to pay the full balance, that they would not remove the negative reporting/Charge Off Status. It would just reflect a {$0.00} balance. Considering this was not an error on my part, but as a result of the Consolidation, I did not think this was a fair remedy. They told me to take my complaint to the Company that Consolidated for the error. I politely explained that another company would not be able to remedy the situation on behalf of US Bank, nor remedy my Credit Report. US Bank can easily see in their records that this was a Consolidation and paid off by another Lender, and that was never a balance I intended to ignore or not pay. I am offering to pay the balance in full, but I needed the account status updated to not reflect a Charge Off, and they are not willing to cooperate. In all actuality, this was not a Charge Off, because they are willing to still accept a payment there in their office, not another company. So it should not reflect Charge Off, if they still have the account with them, and are willing to accept a payment. Upon making the payment in full, US Bank should be willing to update as Paid/Closed account. I would like the CFPB to follow up on this matter, and the unfair Credit Reporting practices of US Bank.
Complaint sub-issue: Information is not mine

i filed a dispute with equifax to remove my unauthorized inquiries, was told contect the creditor. This was credity inquiries i did not authorize and want them removed.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity and this credit reporting agency hasn't removed the fraudulent items from my credit profile. They are violating FCRA 605B which states these accounts must be removed within four business days. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX I contacted the XXXX XXXX XXXX  and filed complaint # XXXX, I filed a complaint with the Georgia Attorney General office and XXXX XXXX has removed it from my consumer report I also sent a notarized copy of these things to them via certified mail. 

Please remove these items as soon as possible : XXXX XXXX  BANKRUPTCY Reference Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

FYI This is me disputing this information NOT a third-party agency. Please find my driver 's license attached.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has allowed XXXX XXXX XXXX continues to report false derogatory information to the credit bureau.. I have disputed this information several times with no resolution. Due to this inaccurate reporting, I have been denied a home and Jobs. I have provided XXXX and equifax with court documents from XXXX County Clerk of the circuit court to validate my claim.Equifax has never investigated my claim regarding XXXX and has allowed them to continues to harass and retaliate against me by adding negative remarks and extra fees every time a dispute is filed which cause my credit score to decrease monthly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Convergent ACCOUNT # : XXXXXXXX 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 XXXXXXXX US DEP ED ACCOUNT # : XXXX US DEP ED ACCOUNT # : 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 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 XXXXXXXX DEPTEDXXXX  ACCOUNT XXXX : XXXX US DEPT ED has violated my rights 15 U.S.C. 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a XXXX XXXX credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
XXXX XXXX has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from XXXX XXXX to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) XXXX XXXX wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by XXXX XXXX. XXXX XXXX will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have mailed and sent Equifax copies of the court dismissal paperwork of the debt I supposedly owed to XXXX XXXX. The paperwork clearly states the companies name, XXXX XXXX and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have previously disputed with XXXX, XXXX  and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information. Please reach out to them.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had fraud on my credit card account and citibank closed my account. I submitted several fraudulent charges for dispute. One of the charges was XXXX, and their security team had left me a message that they had confirmed fraud on my account. Other charges included a company named " XXXX '' that we have never heard of. These were all out of state charges. I received a letter from citibank that they had concluded their investigation and were not reversing any of the charges. They suddenly put about {$440.00} dollars back onto my account with a threat that if I did not pay, they'd report me to crediting bureaus. 

Their letter did not include any documentation proving that the disputed charges were valid. 

I contacted citibank 5 times since then requesting that they reverse those charges. I also requested that they send me documentation proving the disputed charges were valid, as they are required to do. They said they would get back to me if needed and never sent any documentation. I called their security department they told me to call but was placed on hold and then disconnected on. No one ever called me back. I have run out of options.
Complaint sub-issue: Other problem getting your report or credit score

Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and credit score from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and Equifax. Lenders need to be able to pull, access, and obtain my credit report from XXXX XXXX XXXX XXXX, XXXX, and Equifax. I want XXXX XXXX XXXX XXXX, XXXX, and Equifax to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and credit score to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/, XXXX : XXXX
Complaint sub-issue: Account status incorrect

As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.