Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

Fed Loan continues to make extremely expensive mistakes with my student loans. I am on a income driven repayment plan as well as the Student Loan Forgiveness Plan as a XXXX XXXX XXXX. Every year I submit evidence of employment and as for a calculation for qualified payments as is recommended by Fed Loan. And every year they make mistakes calculating how many of my payments are qualified when they are clearly all qualified. This year, they are claiming only 6 payments are qualified. I havent missed  any payments. I pay what they told me to pay. I fill out all the forms on time. I do everything they tell me to do. And when they make mistakes I tell them so. And they deny it. Every. Single. Time. Its like corruption is part of their policy. Its like they try to see if people are paying attention and what they can get away with. In my case, I stand to lose thousands of dollars. My anxiety caused by having to deal with this totally corrupt and insanely disorganized company has profoundly affected my life. I cant afford a lawyer to sue them, and they need to be sued. The CFPB is my only hope. I need the last two years need to be recalculated. The last time I requested the CFPB to help with my account you found over 10 of my qualified payments hadnt been counted!!!!! And now Im having to reach out again for the same reason!!! Its unacceptable!
Complaint sub-issue: Information belongs to someone else

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed a couple of items on my credit report which have been removed from both XXXX and XXXX but they say they have completed the investigation on my Equifax report cant view it and it doesnt look like anything has changed. Every time I try to view it say it is currently unavailable or that it cant be viewed.
Complaint sub-issue: Problem accessing account

Im trying to keep contact and save with my debit reports thru this app XXXX
Complaint sub-issue: Banking errors

Citi bank denied that they had funds that were transfered to a closed account. On XX/XX/XXXX I transfered funds from a competitors bank to fund a new account. I had just opened this account with citi bank and the new funds went into a previously closed account I had with citibank instead. 
The operator said it would take 3-5 business days but nearly 2.5 weeks later it never was refunded. When I would call citi they would say just wait it will populate soon. Than citi said the just flat out didn't have it. I three way called citi bank with my original bank on the line to confirm to them they did clear it. Citi did not return my funds. After XXXX days of calling for hours every day and talking to 7-10 different people and 3+ supervisors a supervisor was able to see they had the funds the whole time! After stealing my money, lieing about it. Hanging up on me constantly when transferring, over a 5 day peorid all citi said is that they were sorry. That money has still not been put back into my account. The new account I opened was over 6 figures.
Complaint sub-issue: Information belongs to someone else

This account has some sort of mix up because I did not authorize anyone to open this account. I remember discussing opening an account with a rep but never went through went the account nor used it. I think the employee opened the account or this is a mixup.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

this complaint is for the USBANK RELIACARD, They have repeatedly locked my card restricting access to my funds, i have turn in all necessary documents that was requested several times, I have copies of proof of me emailing, faxing, uploading documents ... I call there everyday begging them to release me funds what more do they want, all this over Me calling in a dispute because I had my information stolen my unemployment money while I was incarcerated. Expecting that money theyre part of my release it wasnt so I filed a dispute and they reimburse me my money immediately froze the account restricted my card access asking me to identify myself through the portals On their website fax number Or upload through the mobile app since XX/XX/XXXX I have done that literally 26 times .I have called 2 to 3 times a day every day since Ive been lied to I have been misinformed its so bad that the person who stole my information and my money their number is still associated with the account because they cant remove the restriction in order to update the numbers so the criminal is still getting alerts about my money And theyre asking me to identify myself which Ive done a really stupid amount of times for them to tell me that they couldnt receive they didnt receive my message are they didnt get my verification I mean I have confirmation numbers Ive documented literally every call every second every person I spoke with somebody please help child support is due XXXX got kicked out of my place Ill slip in the snow and I have no money unemployment and they reported my address changed, these people been blocking my card every since. I sent my ID, SOCIAL, LEASE, TAX RETURN, They claim they are not receiving my selfie that they request me to take Ive take several times on there website. As of now my children and I are in the dark because i cant get my funds off my card and pay my bills. please help
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXX XXXX XXXX XXXX. - {$330.00} XXXX. XXXX & XXXX XXXX - XXXX - {$560.00} 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 a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX XXXX the report was incomplete from only 1 Credit Reporting Agency and that is XXXX XXXX. The XXXX XXXX report has NO information regarding my auto loan on which I have been paying, out of my personal ( singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however XXXX XXXX seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX Varable C. The finance company, Honor Finance, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of XXXX XXXX, including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX
Complaint sub-issue: Other problem

On XX/XX/19 I was involved as a victim with a gift card scam. I was told by scammers I was under a federal govt warrant for my arrest for social security identity fraud and the distribution of XXXX in XXXX XXXX, Tx. This set the stage for the fraud perpetrated against me. {$7000.00} worth of gift cards were bought by me at XXXX XXXX and XXXX because they told me at the time they were federal agents and my social security number would be canceled. These gift cards were then to be taken to the SSN office the next day so I could have money during their investigation. US Bank credit card was used by me to get these gift cards. US Bank denied offering credit since it was a fraud and I had authorized the charges. I disagree strongly with this assumption stating I felt ad if I had a XXXX to my head as I was being kidnapped for almost 5 hours and I went to store ATMs to get the cash they wanted. My attorney gave me this option to see if US Bank would reconsider and offer the credit. I am a retired businessman who has been with US Bank for over 14 years. A police statement was given and a call to US Bank were made the night of this tragic and very stressful night. Please help!! Thank you.
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I found out there are 3 accounts with XXXX XXXX  being reported to credit reporting agencies which are not mine I filed police report and notified my identity theft issue with XXXX, XXXX  and Equifax on XX/XX/2020, and since then I have seen no results nor any proper investigation and i have been given run around by these credit reporting agencies for the past 70 days. Based on FCRA I was suppose to get results by 30 days and so far my identity theft issue has not been take care of. At the time of this COVID-19 that even US Senate specifically asked these credit reporting agencies to look after the consumers and protect consumer 's credit worthiness I see clearly that these agencies are ignoring the FCRA and US Senate.
Complaint sub-issue: Problem during payment process

On XX/XX/2022, Discover Credit Card cashed a mailed in check in the amount of {$200.00} from XXXX XXXX XXXX  XXXX XXXX. 

Discover converted the mailed in check to an electronic check. Therefore, I do not have a photocopy of a check, but I do have the bank 's electronic check transaction information showing Discover cashed the XX/XX/XXXX, {$200.00} check from XXXX XXXX XXXX XXXXXXXX XXXX. 

My Discover Credit Card was never credited for the payment on XX/XX/2022, from XXXX XXXX XXXX XXXXXXXX XXXX. And my efforts at reporting the missing payment are ignored and instead Discover Credit Card keeps replying and referencing another, separate, payment that in the amount of {$200.00} from XXXXXXXX XXXX  that I did not and am not reporting as missing. The Discover Credit Card company keeps sending me messages, via U.S. Mail and XXXX that my {$200.00} Payment on XX/XX/2022, from XXXXXXXX XXXX was received and credited to my Discover Credit Card. This is true and irrelevant. I've repeatedly called and mailed Discover Credit Card that my payment of {$200.00} from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022, is the payment that is missing. I am uploading the electronic check transaction information for the {$200.00} payment to my Discover Credit Card on XX/XX/2022, that Discover Credit Card will not credit my Discover Credit Card even though the payment was cashed by Discover Credit Card on XX/XX/XXXX, and will not tell me why? 

Please have Discover Credit Card credit my account for the {$200.00} separate payment from XXXX XXXX XXXXXXXX XXXX  that Discover Credit Card received and negotiated on XX/XX/XXXX. Please thank Discover Credit Card for doing the same with my other {$200.00} payment from XXXXXXXX XXXX on or about XX/XX/2022 ; but that this is not the payment that is missing and therefore has nothing to do with the missing payment I am repeatedly writing and calling about to no effect.
Complaint sub-issue: Their investigation did not fix an error on your report

inaccurate information on credit report has not been removed from credit report.
Complaint sub-issue: Delay in processing application

Through personal finance site XXXX, I had heard about the Triple Cash Rewards credit card product from Upgrade, and the fact that it offered 3 % cash back rewards on some very unique spending categories was very intriguing to me. On XX/XX/2021, I began the process of applying for the card directly through Upgrade 's website. 

After providing them with my name, address, Social Security number, bank account information, and  income, I was rather surprised to be informed that I was required to enroll as a member of the XXXX XXXX XXXX XXXX before my application could be processed. Although Upgrade states that they will cover the initial deposit of {$5.00} and the first-year 's membership fee for the credit union , the fact that joining the credit union was a requirement for the card was never disclosed anywhere on the website or during the application process itself ( until after the sensitive information was provided. ).

This seems incredibly deceptive, and had I known that applying for this card would require me to sign up with an additional financial institution that I'd never heard of before ( and that would entail an ongoing cost of membership ), I never would have bothered signing up in the first place. 

After trying multiple times to unsuccessfully proceed with the card application process without joining the XXXX XXXX XXXX XXXX, I was eventually presented with an option on the website to indicate that I was no longer interested in the card and could permanently withdraw my application, which is what I did.

I believe it's only right for consumers to be told of this secondary requirement very plainly and clearly before they begin the application process for the rewards credit card ; I'm sure I'm not the only one who has been miffed by this.
Complaint sub-issue: Problem with fees

About 4 month ago I started searching for a house to buy so I started paying attention to my credit score and looking into what was keeping it down. I found out I had a credit card open with CitiCard and that they had been charging me {$25.00} every month since XXXX. As soon as I found out I called them to get this resolved. I was bounced around from person to person for a month until I got in touch with someone who could help me. They told me my card still had a balance of {$250.00}, when I asked why I was being charge the {$25.00} fee they said this was the minimum payment. In 8 years, I had paid over {$2500.00} in fees, 10x the balance on my account. I asked them to remove the balance since I had more than paid for it already, they said no. I asked if they could at least stop the fees and I would call back to pay the balance, since their payment department was closed, the representative said they would stop the fees. A week later I noticed my credit score drop by 50 points with the reason that my account with CitiCard had been closed. I was never told that they were going to stop the fee by closing my account. WITH SUCH A LARGE DROP I COULD NO LONGER BUY A HOUSE. After trying, for another month, to get in touch with someone that could help me. I spoke with another representative of the company that told me they would launch an investigation into why my account was closed, re-open my account and help me fix the credit score error, but it would take a month. I waited a month for them to get back to me and when they did no explanation was offered and they did not help me with any of the other issues. As this is all happening my credit score kept going down. I found out today, XX/XX/XXXX, after seeing my credit score drop another 30 points, that they had replace my {$25.00} fee with a {$30.00} late fee instead. The {$250.00} had increased to  {$340.00}. I was never told any of this. I haven't used this card since XXXX when I was in college, I didn't even know it existed and it has become a nightmare. My credit score was XXXX now it's at XXXX. This company has taken away the ability for me to afford a home because of {$250.00} balance that I have paid over {$2500.00} for.
Complaint sub-issue: Their investigation did not fix an error on your report

Good evening. The XXXX  XXXX XXXX account that appears on my credit profile at XXXX Equifax and XXXX has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number XXXX this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have XXXX percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as XXXX reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and Equifax reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - transunuin shows no information for payment history where XXXX and Equifax report payment history but it doesnt match. ( Equifax shows ok for XX/XX/XXXX and XXXX shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??