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

I sent an email to the company after I discovered the loan is not legal in the state of Alabama which I am a resident of as they must be licensed in my state which they are not. Below is my email and also their response.

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$500.00} on XX/XX/18 and have paid {$1200.00} back.. This results in an overpayment of {$760.00} At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$760.00} overpayment. A refund check of {$760.00} should be mailed to me at the address you have on file. 
I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Also do not call my place of employment as my employer forbids these calls.Any communication in this matter you can send thru my email, XXXX XXXX XX/XX/2018 tal Amount Due : {$390.00} Hi, You have remained unresponsive to our requests. Our efforts to build on the mutual engagement and cooperation have been documented. Act now if you are still interested in setting up biweekly payments of {$78.00}. If you need a more flexible arrangement please reach out to me. 



If you are not able to respond to this email, please call me as soon as possible, XXXX Thank you, XXXX XXXX. 

XXXX XXXX XXXX cid : XXXX Direct Line : XXXX Toll Free : XXXX ext XXXX
Complaint sub-issue: Trouble with how payments are being handled

My name is XXXX XXXX XXXX. I am permanently XXXX. I am currently receiving XXXX. Before I became XXXX, my loan was set to autopay. I was never late, and I never missed a payment. According to the payment agreement with Nelnet, if one set their payment to autopay, Nelnet would reduce the interest rate to somewhere south of 6 %. My loan has been on auto debit during the entirety of my loan. Nelnet and Great Lakes used this difference in the interest rate to falsely report to the government the amount I paid to them during the time I was repaying my loan when in fact they were applying the funds I paid to future payments in order to keep me from paying on the principal. When the inquiry came from you guys previously, they reported to you all that my loan was being repaid at 6 %. 

Now that my loans have been transferred or are being transferred. Nelnet has transferred my loans at the discounted rate based on the auto debit rate leaving behind the difference in the interest rate each month. So despite the fact that I became XXXX on XX/XX/2020, and the letter says I am entitled to a refund of all payments made after that, Nelnet is now actively charging me the difference in the interest rate each month showing that for the first time in the over 15 years that I had been paying on my student loan despite serving in the XXXX XXXX in XXXX, Law Enforcement for 8 years, and as a state prosecutor all the while being told I did not qualify for the Public Service program, Nelnet is still using predatory tactics to not only cheat me, but to cheat the government as well. I am XXXX through social security. I am 90 % XXXX veteran. Sending Nelnet a letter to ask them about it is a little like sending a serial bank XXXX a letter asking him about a previous bank robbery. At what point is someone going to engage in a serious inquiry of a company where there is more than probable cause that they are engaged in wire fraud, mail fraud, conspiracy, and a host of other crimes. How many other people have to complain about these people. Currently my account with Nelnet looks like I am in arrears for the first time ever. I am hopeful that someone can actually assist me in this matter. Thank you very much
Complaint sub-issue: Attempted to collect wrong amount

IC System is reporting 1 debt as 4 separate accounts although it's 1 account from 1 physician for 1 patient. I contacted the company on XX/XX/2018 and was told instead of reporting the 1 account as a whole they broke up the charges into service dates and reported each date separately. I have a letter from IC System dated XX/XX/2018 which lists 1 total balance of {$1100.00} NO individual charges or service dates listed. 
On XX/XX/2018 IC Systems reported 4 separate accounts for {$500.00}, {$310.00}, {$210.00}, {$90.00}. This is deceptive and was done purposely to have the biggest negative impact on my credit score. There is 1 account and only 1 amount.
Complaint sub-issue: Company closed your account

To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of First Progress Card and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with First Progress Card began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with First Progress Card. I have also been a customer in good standing since XX/XX/XXXX and paying my account in a timely manner. However, in XXXX XXXX and XXXX and XX/XX/XXXX. I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.
Complaint sub-issue: Debt is not yours

I have had an account on my credit report from Jefferson Capital Systems for a significant amount of time. Ive sent several letters to this company attempting to resolve this. I finally received a letter in XXXX saying they were ceasing collection of this item and it would be removed from my credit report. As of today, XX/XX/2021, it remains on my credit report. I attempted to call Jefferson Capital, only for them to assure me that it has been removed, but it has not.
Complaint sub-issue: Problem with product or service terms changing

My information was possibly impacted through the Equifax data breach.
Complaint sub-issue: Reporting company used your report improperly

after reviewing my credit report i saw that this creditor have leading and false information on my credit report, XXXX XXXX in the amount of {$10000.00},
Complaint sub-issue: Investigation took more than 30 days

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Problem during payment process

XX/XX/XXXX Office of The President at CitiBank Visa Subject : CitiBank Visa mobile app cost card holder Our CitiBank Visa credit card account was closed by CitiBank in XX/XX/XXXX due to an issue stemming from the use of the Citibank mobile application. I downloaded Citis mobile app on my smartphone to make payments when not on my home computer. Previously my payments were made through my bank account online bill pay. The Citibank app required that I use a login and password for the account to make payments and the savings and checking are both on the same login and password. Unknowingly, I had made a payment and this payment was rejected for NSF, but I had the funds in my checking. However, I was told I did not have draft protection on the savings but on the checking only. The first time this NSF incident happened I was out of the country without sufficient Wifi to catch the error. I incurred penalty charges from my bank and Citibank, but the payment was still made on time. 
After speaking with my bank, I got a new account number to input in the application but wasnt sure how to input it. I now realized that the app has an area to input the corrected or a different account number. Before I put the correct number in the app, I made a payment that went through before I corrected it. The payment was still on time. This realization happened after the last incident and I called and explained this to Citibank and the charges were debit to my accounts. 
We are asking City Bank to re-open our Visa credit card account because this was an honest mistake in using the mobile application. We obtained our cards through Costco who partnered with Citibank after they dropped XXXX XXXX. My husband and I have been customers in excellent standing with both companies for more than 12 years. We feel it is unfair to hold back our rewards earned for the XXXX billing cycle. We are requesting that you consider reinstating the XXXX billing statement with the full amount of our rewards we earned for XXXX. We look forward to hopefully doing business with you once again. 
Thank you,
Complaint sub-issue: Their investigation did not fix an error on your report

After providing proof to XXXX they are still choosing to report false information on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX BANK XXXX XXXX
Complaint sub-issue: Debt is not mine

I received Debt Collection Notice from EOS CCA stating that I had an outstanding balance with XXXX that they are seeking to collect on behalf of US ASSET MANAGEMENT XXXX. However, when I checked the license number on the letter with XXXX XXXX ( online ), it says that the license belonged to a differnt company and that it expired in XXXX 2017. Additionally, I contacted XXXX and my account is paid up to date - it 's on auto pay.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My identity was stolen and there are inquiries i do not recognize. I have an identity theft affidavit in place.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem during payment process

ON XX/XX/2022, I MADE MY PAYMENT ON MY DISCOVER CARD IN THE AMOUNT OF XXXX IN A TIMELY MANNER AND THEY SIMPLY REFUSE TO APPLY OR POST MY PAYMENTS IN A TIMELY MANNER. THIS IS A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED AND CORRECTED IN A TIMELY MANNER.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/20, I was informed i could convert an existing XXXX credit card with Citibank to a Citi Diamond Preferred credit card. I asked the representative if the promotional balance transfer rate was going to be honored and was confirmed it would be. 

On XX/XX/20, i followed up with Citibank and informed the agent that I could not see a balance transfer offer online. The representative informed that the promotional rate is only available to new applicants not converted credit cards. I informed the representative that I was informed otherwise when I converted my XXXX credit card. The representative reviewed the online chat with the previous representative and I was informed that the promotional rate was going to be honored. I was informed that the promotional rate would be posted in 5-7 business days. 

On XX/XX/20, I followed up again with Citibank to inform them that i do not see the balance transfer offer. I was informed that it was not available to converted credit cards. It was elevated to a Senior Account Specialist and was informed that promotional rate is not available.
Complaint sub-issue: Was not notified of investigation status or results

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681ae never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Issues with equifax reporting mixing up account disputing wrong account Dispute my positive accounts losing 20 point after paying down positive account and next account I've paid to XXXX balance score drop 49 point
Complaint sub-issue: Public record information inaccurate

XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Rear Ended The police report shows I was not at fault and in this state Im fairly sure that those that are rear ended do not make them at fault.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently
Complaint sub-issue: Trouble with how payments are handled

I recently made a student loan payment for {$200.00} leaving about in arrears {$1800.00}. My income based repayment is about {$110.00} per month so I am in the process of catching it up. The issue is the American Education Services debited my bank account for the entire {$1800.00}. When I approved the online payment it said {$200.00} but they do n't send a confirmation email at the time of the payment to prove it is setup for the correct amount and they keep the only records of the online payment. So unless one has the foresight to screenshot the process you ca n't substantiate their mistake. Their customer service refuses to even discuss refunding the over payment. If they will not remedy the situation I will move my checking account to new bank and only pay them via cashier 's checks.
Complaint sub-issue: Information belongs to someone else

I been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT XXXX
Complaint sub-issue: Information belongs to someone else

I looked at my credit report and there is a mixed file. They merged my credit report with my dad credit report. I wanted to separate it out.
Complaint sub-issue: Didn't receive notice of right to dispute

I have sent letters to each of Citi Bank or Citi Card notifying of their client 's financial hardship ; due to emergency illness and change of living lifestyle. I requested forgiveness for her loans. Data was sent via certified mail -- indicated missing a page of POA document. The clients have three separate accounts with Citi Card, the names of the companies are as follows : Macy 's which offered a settlement. I followed their required protocol by resending the POA data and giving them their 3- 5 days processing to upload information with no avail as of XX/XX/2019. It will soon be a month of second a second submission data per them via the fax on XX/XX/2019. The second submission documents were sent by overnight postal mail. The Home Depot sent the same methods ; they give me the mailing for the second POA submitting office but refused the overnight letter, sending it back return to the sender. Sears never responded to my inquiries but received a signature certified mailing. I will be visiting the XXXX postal office to find out what happened to the overnight letters to Macy 's and Sears. Citi Card should be reflect all accounts open in their system. I stated to them it each of the companies received the mailing it must show in their system. This Client is  going on XXXX- still get credit increases.
Complaint sub-issue: Didn't receive enough information to verify debt

USCB has mailed me several unwanted notices and violated my privacy several times. The last notice I received contained many violations pertaining to the FDCPA. The notice contained this is an attempt to collect a debt and stated if I did not respond the company would assume the debt was accurate. Both of these violations fall under the stipulations 15 Us C 1692 states not to do. The company has also attempted to contact me at the the most inconvenient times of the day. I called XXXX to ask them to cease communication. The representative assured me the system contain notations of me asking how I can get the account back in good standing. I never spoke to anyone at USCB nor gave them permission to XXXX  me about a debt they cant validate.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX Balanceed Owed : $ XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$3100.00} XXXX XXXX Balanced Owed : {$250.00} XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX SER XXXX Balanced Owed : {$250.00} XXXX  XXXX Reference # : XXXX Date Filed/Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : $ XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem during payment process

Last summer ( I believe XXXX ) I noticed that my auto pay on my XXXX XXXX card from US Bank was making the minimum payment and I thought it was set for full balance every month. I called the bank and they said I could change this online. I made a one time balance payment and then I thought I set up auto pay for full balance each month. The auto pay portion of the web site is difficult to navigate and does n't display which balance pay option you have selected for auto pay, as far as I can tell. 
I just checked my credit report and noticed that they did not make this change, so I have been paying minimum payment the past year, exactly what I called them last summer to avoid. The bank claims I made a mistake in setting up the auto pay, which is certainly possible, but they do n't have any records one way or the other. If I did make an error, I 'm complaining that the US Bank auto pay set up is not transparent and can lead to these types of errors. If I did n't make an error, I 'm complaining that US Bank did not implement my request for full balance auto pay. Either way, it 's very difficult to tell what the account is set up to do, which will lead to these situations.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$850.00}