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

For years I have been trying to determine why my Federal Direct Subsidized loans were converted or consolidated into a FFELP loan without my informed consent that I would lose all eligibility for loan forgiveness programs under the U.S. Department of Education. I have been denied on multiple occasions for the Public Service Loan Forgiveness Program due to the fact that my loan has been converted to a FFELP and is no longer considered a Federal Direct Loan. I was never informed at the time of consolidation that the loan would be converted and I would lose all my rights to apply for the Public Service Loan Forgiveness Program. My loan servicing agent has informed me on several occasions that my loan does not qualify for the loan forgiveness program because it is a FFELP consolidation loan and if I want to qualify for the loan forgiveness program that I will have to consolidate my current loan with the U.S. Department Education. How can I consolidate this loan when it is the only loan that I have? I believe that the servicing agent deliberately withheld pertinent information from unsuspecting borrowers for monetary gain. The agent does not provide any forgiveness programs at this time. While reviewing my consolidation loan application/promissory note ... in fine print it states that I might not be eligible for SOME loan discharges that was once associated with the loans that is being consolidated but never provided the information to me pertaining to the loans that I would or would not be eligible for if I consolidated my loans with this agent. I did not receive an opt out agreement or any correspondence explaining the terms of the loan if consolidated. I have been working for a public entity for 25 years and to find out that I can't take advantage of a program that has been offered to me to alleviate a debt due to greed and the absence of information is beyond me. I have documents that the agent has sent to me but none of them are clear and concise.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed numerous complaints on XXXX/XXXX/2017 regarding incorrect balances on my accounts. In your response you claim that balances were to updated in 7-10 business days. It is now past that time frame and now you are in violation of the FCRA. The accounts are highlighted in a copy of my Equifax credit report dated XXXX/XXXX/2017. The accounts are XXXX XXXX XXXX still showing an incorrect balance, XXXX XXXX -XXXX still showing an incorrect balance and XXXX XXXX XXXX XXXX still showing an incorrect balance.
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XXXX XXXX XXXX shows " Pays as Agreed '', yet it is showing up on as an adverse account.
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Delete the accounts immediately or I will file a lawsuit against your company. My attorney is in the process of filing the paperwork.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not AUTHORIZE XXXX to pull my credit report on XX/XX/2021. I did not attempt to purchase a car from this company. I have attached a copy of my police report as I have filed a complaint about my wallet being stolen and my identity being compromised. I have reached out to several companies that has indicated that XXXX contacted them on my behalf to get credit in which I did not authorized. 

XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
Complaint sub-issue: Information belongs to someone else

Here are the pics for compliant : CFPB # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I forgot to attach the pics.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Pre-approved for cards not pre-approved for. Had me signing up for cards just to be declined and hits and points lost on my credit report based on information from Credit Karma they provided which was false just to get me to sign up very misleading and cost me in the credit world.
Complaint sub-issue: Reporting company used your report improperly

I have a hard inquiry on my credit report from XXXX XXXX when I never got financing or even look at serviced with them. 

In accordance with the fair credit reporting act XXXX Account # 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.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have gotten into the hands of the wrong person.
Complaint sub-issue: Personal information incorrect

I have been disputing an incorrect address with Equifax for the last 7 months. I have called and sent dispute letters for the last months and Equifax has not corrected the inaccurate information on my credit report. What they keep saying is that they have updated my credit report but it stays the same. I sent dispute letters to Equifax on XX/XX/2021, XX/XX/2021, and phone call, XX/XX/2021, XX/XX/2021, XX/XX/2021, and the last one on XX/XX/2021. Equifax has failed to correct the address that does not belong to me. I seek remedy by the CFPB.
Complaint sub-issue: Debt is not yours

I have been requesting, since XX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a living human being and I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 they have violated my rights numerous times I demand the accounts below be removed because ( 1 ) I have the right to privacy and did not give Equifax written permission to furnish these accounts. ( 2 ) In light of recent investigations brought upon Equifax I find my consumer file is being irresponsibility tampered with. Over the past few months I have made SEVERAL attempts to remind Equifax of their duty pursuant to 15 USC 1681. I appears they ( Equifax ) is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1861E [ B ] assumes I am due promised accuracy in my report based on federal law. I have communicated with them several times in an attempt to correct my consumer report. USC 1861 I [ A.5 ] states reinvestigations of all of the unverified information must be promptly removed. I requested full validation of any previous investigated accounts from the creditor reporting and Equifax and as of this complaint have not received validation from either ; therefore, thus have not been validated. The company 's are as follows : XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I filed a complaint more than 60 days ago, I still haven't heard anything about the investigation. Items need to be deleted, immediately.
Complaint sub-issue: Can't stop withdrawals from your account

Well on XX/XX/XXXX i received an certified check through the msil for XXXX i took it directly to my bank PNC on XXXX and XXXX in XXXX  i told the Teller i wan na know if it is real she stated once we process it if it is no good it want go thru the next day it was cleared i went shopping then 5 days later i get and e-mail that the check bounced now they telling me my account is negative XXXX plus recruing fee that's not fair because a bank suppose to verify these things throughly if it went through the bank processing system
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft and filed the information with FTC. Even after the FTC File Affidavit was sent to the company with validation and proof of identity theft, the company responded that the debt was mine. My SSN and personal bank information was compromised and the company has yet remove the accounts from my Credit Reports even after filing as a victim of identity theft with FTC
Complaint sub-issue: Public record information inaccurate

I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Dates : XXXX, XXXX
Complaint sub-issue: Debt was paid

I had an original amount owed to XXXX XXXX  was XXXX. The debt went into collection with me not having any knowledge of it. The collection company took control over the debt in the middle of the worse pandemic in our life time. Meanwhile, returning to work after being furloughed for almost a year. I notice the collection on my credit report. I reach out to XXXX  and paid the debt in full with the agreement that it would be deleted. The collection agency refuses to verify the debt. The collection agency refuses to verify with XXXX that the debt was paid in full. I spoke with XXXX ( operations supervisor ). He refused to acknowledge that the debt was in fact paid. Please look into my case and ensure that the collection agency are practicing fair according to the law. I am reaching out because I have done everything else to have them comply.
Complaint sub-issue: Can't decrease my monthly payments

I have had a XXXX ( XXXX ) starting XX/XX/XXXX. XX/XX/XXXX one of my Doctors ( XXXX XXXX XXXX ) stated that I was likely XX/XX/XXXX. XX/XX/XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX County XXXX ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease XX/XX/XXXX as these directly impact credit scoring. 
DEPT OF ED / NELNET XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and XXXX, Equifax, and XXXX to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I connected with XXXX XXXX to assist with student loan payments, but have received an FTC notice and instructions on how to fill a complaint about their unfair and deceptive practices. I have since canceled the subscription to XXXX XXXX. I don't know where to proceed from here.
Complaint sub-issue: Their investigation did not fix an error on your report

All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior.
Complaint sub-issue: Reporting company used your report improperly

I went to the car dealership to purchase a vehicle and my credit was ran multiple times creating a series of Hard inquiries.
Complaint sub-issue: Information belongs to someone else

I have filed multiple disputes with Equifax, XXXX  and XXXX  regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. 
Equifax has refused to remove all of the accounts listed in this complaint even after I have filed 3 identity theft packets. Sent them police reports and contacted them on several occasions. 
All of the companies in this complaint have been sent notices from me as well as identity theft reports.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Step 1 : What is this complaint about? I complained about Nelnet a few months ago. I have an existing account with CFPB : XXXX. Step 2 : What type of problem are you having? I was not contacted that my income based repayment plan application was not received or offered assistance to complete the application even after they reported to CFBP that they received my complaint.
Step 3 : What happened? I called Friday XX/XX/XXXX at XXXX and spoke to XXXX or XXXX for 9 minutes about my income based repayment plan application. They told me that my income based repayment plan was not currently applied and that I never submitted the application. If you read my complaint you will note that I received an e-mail stating that I was approved for the income based repayment plan. Sure enough, I was offered and I accepted the one month forbearance which just catches up my account. The monthly payment of about {$1500.00} is too much for my income and my credit rating has gone down because of this! Step 4 : What company is this complaint about? Nelnet Step 5 : Who are the people involved? I have the usual contact by email but not on this issue. I spoke to XXXX or XXXX on Friday at XXXX for 9 minutes and explained what had happened and she gave me the one month forbearance. She said, we never received your application for income based repayment plan.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Account # XXXX Is claiming everything on my report is 100 % and they did a thorough investigation well everything is not 100 % accurate they failed to obey the law i have rights to privacy and there violated it. All 3 bureaus are inaccurate and reporting wrong information. 

Last active Last reported Balance Comment section Please review upload and youll find all inaccurate
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Complaint sub-issue: Debt is not yours

Sent Equifax multiple letter on this account and it shows on my credit report that the monthly payment is {$1500.00}
Complaint sub-issue: Problem with personal statement of dispute

I booked a room on XX/XX/2019 online. The reservation and advertising was for " XXXX XXXX XXXX XXXX XXXX ''. On arrival at the address for Hotel given on my receipt, I was unable to find the Hotel because there was no such Hotel at that address. The Hotel at that Address was actually signed and displayed internally as " XXXX XXXX XXXX ''. I asked Management on duty and Management claimed the Hotel had changed ownership very recently and was planning to update their advertising. I refused to stay and was denied a refund by the Hotel. The booking service did give me a coupon coverage a fraction of the costs of travel, rebooking and the actual room cost. I have done research and the Hotel NEVER did update to XXXX XXXX XXXX XXXX XXXX or provide me any proof that the Hotel was ever in fact ACTUALLY the XXXX 's XXXX XXXX XXXX, I sent pictures, documentation and phone records of the original reservation all showing the discrepancy in an attempt to resolve the dispute. The charge and reservation are a fraud.
Complaint sub-issue: Deposits and withdrawals

Please refer to complaint filed on XX/XX/XXXX - COMPLAINT ID XXXX, see attachments verifying my identity. 

I am scheduled for closing on a new home on XX/XX/XXXX. On XX/XX/XXXX, I setup a wire transfer from my Citi Bank savings account for a significant amount for the closing. I was called by Citi Bank to verify my transaction. One of the questions asked was what year my stepmother was born. I have not lived with her for 20 years, and my dad hasn't even been married to her for over 10 years. I had to call my dad to get the answer. Citi Bank failed me for the verification process for taking too long to answer. They refused to give me another opportunity or way to verify myself and they flagged my account for fraud. The account is now " under review '' and there is nothing whatsoever that I can do to get the funds. Citi Bank refuses to let me speak to anyone that can help, and just tells me I have to wait for them to clear it and there is nothing whatsoever I can do. I cannotbecause ( a ) there is no branch location or affiliated bank in my state of Colorado and ( b ) they say that even if I do FLY into a state where there is a branch location, that I can not get the cashier 's check because there is a hold on my account. Citi Bank is literally holding MY money hostage. This is MY MONEY and I am willing and able to do whatever to verify myself. They refuse to talk to me and help me. I need help immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax via phone at their XXXX equifax number and a representative told me that these accounts were already removed from my consumer file, but when I ran my credit report on XXXX XXXX XXXX to see what was investigated removed nothing was done i just got a lot of fluff from them. 
these XXXX accounts are reporting inaccurate cause there are Fraudulent accounts. account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Complaint sub-issue: Fee problem

My mother, XXXX XXXX, XXXX XXXX in XXXX of 2017. She had a checking account with XXXX XXXX. I was registered as co-Trustee on the account as I also had Power of Attorney priviledges. After my mother XXXX XXXX I kept the account open for a few months as she had automatic deposits and withdrawals scheduled into the account and I wanted to get a better handle on those before closing the account transferring the balance to an Estate Checking Account, which I did in XXXX. My mother only got online statements, so I was unable to get statements after she XXXX. In addition, I was unable to set up online account access for myself since TCF was undergoing a system conversion to its online banking system right after my mother 's XXXX. 

I was recently reconciling all of the accounts in order to list all of the expenses of the estate. I noticed TCF charged a {$9.00} maintenance fee on XX/XX/XXXX to my mother 's checking account ( which was closed in early XXXX ). Since I did not get statements or have online access, I was n't aware of this charge. I asked what it was for and that it be reversed. The bank has been unable to tell me why the fee was assessed, even after 4 requests. In my opinion, the bank has an obligation to at least inform me why a fee was charged and do so without reasonable hassle. This has been a considerable hassle and I 'm disappointed it requires a complaint to a regulator to get a call to action. In addition, TCF has been unwilling to consider refunding the fee as they note the account has been closed. It has, but I was n't aware of this fee. The key reason I was n't aware of the fee is that they were n't able to set me up with online access when I took over the checking account because they were doing a system conversion which at the time prevented me from enrolling in online banking. Therefore they need to take some ownership in the circumstances, and they have n't.