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

XXXX XXXX, 2017 To Whom It May Concern, This past XX/XX/XXXX/XX/XX/XXXX, I filled out Public Service Loan Forgiveness Employment Certification Forms for my former employees - present employer. In total, I submitted five forms : 1. Employer # 1 ; 2. Employer # 2 ; 3. Employer # 3 ; 4. Employer # 4 ; and 5. Employer # 5 ( current employer ) 4 out of the five forms were certified, however, the Employer # 2 employment certification was not due to a discrepancy regarding my start date. I have since corrected the Employer # 2 employment certification form and resubmitted it to Fed Loan Servicing, using their online submission form, four times already. However, each time I 've resubmitted the form, the certification has been denied, leading me to call Fed Loan Servicing multiple times to clarify my start date ( which is explicitly stated on my form ). Each time, I 've had to go through my entire employment history for the four other forms that have already been certified, and during each call, the Fed Loan Servicing representative takes a few notes stating that they will " look into the issue. '' Moreover, my employer has even called Fed Loan Servicing direclty providing them with the correct start and end dates of my employment. Yesterday, I spoke to a Fed Loan Servicing representative to explain the situation again. I expressed my frustration as I went through my employment history, and as the representative listened even, she expressed confusion and frustration as to why the Employer # 2 employment certification form was not yet certified because based on her analysis, there were no discrepancies in any of my employment forms ( e.g., start dates ). Despite this, she gave the same response I 've received from them every time I 've called, " we 'll look into this. '' I do n't know what else to do at this point because I 've resubmitted and trying to get the Employer # 2 employment certification form certified four times now. As such, I hope you can help resolve this issue for me.
Thank you!
Complaint sub-issue: Funds not received from closed account

I closed an account more than 5 months ago but Citibank has refused to refund the amount that was in the account. I have talked to Citibank customer care representatives and visited a branch ( located on XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) more than 5 times each. Every time I call customer care, I am told to visit a branch for resolution, but when I visit a branch ( at above address ), I am told to wait for a check in the mail. The following are some of the people that I have talked to and gave me assurances that my issue will be resolved at the branch mentioned above. * XXXX XXXX XXXX *  XXXX XXXX * XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I currently have about {$50000.00} in federal direct loans with XXXX. Last fall, after being prompted to consolidate a small federal loan with XXXX to XXXX, and getting a new Income Based Repayment plan, I began paying after a year of forbearance. Prior to that, I had made XXXX payments which I believed to be helping me make progress toward the XXXX XXXX payment threshold ( I'm a XXXX who works in a XXXX XXXX ). 

After recently certifying my now 7 years of employment in XXXX XXXX XXXX, I have come to find out that I have not made now XXXX qualifying, on-time payments in full to XXXX, but only the XXXX since the consolidation last fall have counted. NO ONE who helped me during the consolidation and income checking process ( for IBR )  mentioned that all of my previous payments would be wiped away. Instead of my next payment being my XXXX ( and XXXX full year of payments ), my next payment will be my XXXX. Which means that I now XXXX payments ( XXXX years XXXX months ) of payments left instead of XXXX payments ( 6 years ) despite the fact I'm beginning my XXXX year of XXXX and have been making regular payments in full essentially this entire time. 

The lack of communication about the consequences of consolidation are at minimum negligent, and at worst intentional to get people to pay more. I NEVER would have consolidated if I had known that it would cost me almost 4 years of payments. Who would? How would that make any financial sense at all? I felt like I had to consolidate because one of the federal loans was with XXXX and I did not believe that if I left it with them that I would be able to qualify for PSLF. It was not made clear that I would lose all of those payments in conversations I had with people at XXXX nor was it clearly stated in online applications or correspondence with me. Though I had not certified my years of employment, I had communicated a number of times over the years with XXXX that I was a XXXX ( I mean, they unfairly converted my XXXX Grants to loans because I missed one deadline - but that's a complaint for a different day ), so they knew I was a XXXX and that I was screwing myself by consolidating but nowhere did anyone say " hey, if you do this, all previous payments will no longer qualify '' and that's a shame. You'd think that people and organizations that I pay for with my tax money ( and loan repayments! ) would be trying to operate in good faith, but apparently not. I'm not some negligent borrower, I want to pay debt and HAVE BEEN for YEARS, but this has not been a fair deal on their end at all, and I have operated in good faith to hold up my end of the deal.
Complaint sub-issue: Problem making or receiving payments

Trying to link my card to credit karma and its not letting me
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to  obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Complaint sub-issue: Information belongs to someone else

I have provided XXXX and Equifax proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. XXXX and Equifax get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against Equifax and XXXX  for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. Equifax and XXXX need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need XXXX and Equifax to adhere to the law and immediately remove this fraudulent information from my credit files.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

i lost my credit card overseas i reported to citibank as the card was lost someone used my card when i report to citibank i have very bad communication with customer service i missed to report one charge for XXXX they denied my case for that charge i miss reported i have been in contact with them more then 30 times plus i send them letter explain what happened i'm not getting anything from them please i need your help with this matter
Complaint sub-issue: Information belongs to someone else

credit reporting company needed a copy of my driver license and ssi card so i am providing a copy of my all affidavits
Complaint sub-issue: Other problem

Citibank previously announced that it is terminating its co-branded credit card relationship with XXXX XXXX at years end. As a current cardholder of a Citibank XXXX XXXX XXXX XXXX XXXX card, Citi notified me via email on XX/XX/XXXX that my account is being transferred to XXXX XXXX on XX/XX/XXXX. Citibank via telephone that they have sold my account to XXXX XXXX and that " this was a business decision. '' Citi has sold my account information without authorization. Citi has charged an annual fee ( appox 6 months ago ) and has not, as of yet offered a pro rata refund of the annual fee.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX 2. The status is incorrect for the following account Chapter XXXX Bankruptcy Case Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX  XXXX Account Number : XXXX 5. Identity Theft XXXX  Account Number : XXXX 6. Identity Theft XXXX  XXXX Account Number : XXXX 7. Identity Theft XXXX  Account Number : XXXX 8. Identity Theft XXXX  XXXX Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

to my best knowledge my personal information was taking to open fraud wiresless account and to apply for loans of some kinds i was advised to send this form in for the accounts that i didnt authorize
Complaint sub-issue: Account information incorrect

My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted Equifax on XX/XX/2018.Equifax stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXXXXXX XXXX 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: Account status incorrect

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Complaint sub-issue: Problem with customer service

around XX/XX/XXXX I contact customer service to get my pay off amount for my credit card Account number ending in XXXX since i was enrolled on paperless statements and I was not able to log in online and I wanted to pay it in full before my international trip this way my balance was XXXX and there was no future payments. in that phone call i talk to a supervisor and order a new card and expedited to me so i could make an online payment before the due date, also gave me the amount due of {$9200.00} that was i little bit higher than my ending balance because it included the new interest accrue until the due date also he offer me to make a adjustment for the interest and dispute some charges i did not recognized he assured me after i pay that amount my card balance was going to be XXXX and will not have to make another payment until i use the card again. on XX/XX/XXXX when i received my new card i log in online and made the payment of {$9200.00} for the exact amount the customer supervisor told me to pay so my account could have a XXXX balance and i would not have to worry on any payments while I was out on my trip. I never received any phone calls or correspondence until XX/XX/XXXX regarding my past due account i contacted customer service regarding this error on their part and explain the situation they were very uncooperative and the only thing they told me that i had to pay the past due balance of 300 something dlls that was mostly late fees for the months of XXXX XXXX XXXX XXXX XXXX and XXXX and when i express my concern of my credit being affected they told me that is why i have to keep track of my balances. i try to explained them that the may reason i contacted customer service and make sure i ask for the exact amount i had to pay so i didn't have to worry about any future payments their response was that there was nothing to do that my credit was already affected by the late payments and that i need to make the payment as soon as possible which i believe that is very unfair the way they conduct business especially not caring at all or being a little considerate i really need help resolving this situation and i would like to remove all the late credit reporting that was done by their deceptive practices and that would considerably affect my credit score since this situation has already had consequences they close both of my credit cards i have with them and this action also lowered my credit score which i really matters to my life. thank you!
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX, I retrieved a copy of my 3 bureau credit report and noticed that AFNI had placed a collection account on my XXXX credit report ( Account # XXXX ). I was notified through my credit monitoring subscription on XX/XX/XXXX that AFNI had inserted the account ( s ) on my XXXX  credit report. I have never did any business with this company, never heard of this company, nor have I received any correspondence ( dunning letter in particular ) from this company on the alleged debt they are stating is owed to them. I have no knowledge of who the original creditor is and no basis to justify my paying them for a debt that is alleged and not validated. 

Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI was required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. I DID NOT RECEIVE ANY NOTIFICATION FROM THEM. As such, AFNI should have provide me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherein he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. All requested documents must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete these errneous, unverifiable entries from my report and send a letter communicating such.

For AFNI to blatantly violate my consumer rights by placing these accounts on my report directly violates FDCPA.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

CitiBank has been negligent in refunding money that was fraudulent taken from my account. Allowing my account to be hacked was their responsibility. 
Money lost : XX/XX/2021 - criminal used my account to pay his credit card bill {$2600.00} XX/XX/2021- wrote a fraudulent check from my account {$3000.00}
Complaint sub-issue: Old information reappears or never goes away

The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report.

XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company MEYER & NJUS, P.A ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company XXXX XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.
Complaint sub-issue: Account information incorrect

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to AFNI INC along with Exhibits stating violations per USC 1692d ( 1 ). AFNI INC is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Complaint sub-issue: Public record

All of the credit inquiries were made on the same day through a company that was searching for the best rate. I found information regarding credit reports that stated that inquiries made within two weeks are considered XXXX inquiry and these inquiries were actually made the same day. I ask that these items be removed or be reported as XXXX entry on my credit report.
Complaint sub-issue: Charged too much interest

As of the XX/XX/XXXX US Bank credit card statement ( closing date XXXX ) the outstanding balance on this account was {$9800.00}, all from balance transfers currently at 0 % interest with the earliest 0 % to expire as of the XX/XX/XXXX statement. The minimum payment required on this statement was {$99.00}, due by XX/XX/XXXX. There were no outstanding purchase balance as of this statement. 

On XX/XX/XXXX a payment of {$100.00} was made to this account to more than satisfy the minimum payment due of {$99.00}. On XX/XX/XXXX a charge was made to XXXX XXXX and XXXX for {$400.00}. On XX/XX/XXXX a payment in the amount of {$400.00} was made to cover this {$400.00} charge. 

The XXXX credit card statement ( closing date XX/XX/XXXX ) shows the {$100.00} payment, the {$400.00} charge, and the {$400.00} payment on the dates above, but it shows an interest charge of {$3.00} and an outstanding purchase balance to {$400.00}, with {$270.00} of this subject to interest at 14.15 %. 

The XXXX statement shows an additional {$4.00} in interest, with an outstanding purchase balance of {$400.00} and {$400.00} of this still subject to interest at 14.15 %. The XXXX statement shows and additional an additional {$4.00} in interest, with an outstanding purchase balance of {$410.00} and {$400.00} of this still subject to interest at 14.15 %. 

No new purchases have been made since the {$400.00} charge on XX/XX/XXXX, and all minimum monthly payment have been made on time since that date, yet interest keeps being charged and a purchase balance is still showing every month. 

This bank is not following the rule dictated by The Credit Card Accountability, Responsibility and Disclosure Act of XXXX, of applying all payment in excess of the minimum payment XXXX to the portion of the balance at the highest interest rate. 

Thank you, XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Problem with fees

Citibanki dba Citicard illegally imposed a fee on my account, its employee lied to me, has intentionally harassed me in multiple ways, and has maliciously and falsely damaged my credit. My XX/XX/2019 statement showed a balance of {$45.00}. I chose to pay it by using Cit 's Thankyou rewards programs, opting for a {$50.00} credit statement. The credit was applied XX/XX/XXXX before the next closing date about a week later, Thus, I had an excess credit of {$4.00}. Yet, on my XX/XX/XXXX statement Citi illegally imposed a {$25.00} late fee. Moreover, each time I attempted to access my account online at Citi 's online website, I was blocked with a demand to pay {$62.00} and could not proceed further to view my activity. I called Citicard last week, whose employee promised to reverse the {$25.00} late fee. However, it still has not been done. My online access is still blocked by a screen demanding " past due '' amount. This week I received a XXXX letter package from Citi stating that I told Citi not to contact me again. This is Citi 's management manner of lying and harassing. I never said any such thing, as Citi 's recording of my call would prove. In the letter Citi threatened to close my account and damage my credit reporting. I called Citi,  whose employee demanded immediate payment of all new purchases totalling more than {$1000.00} well before the next due date in XXXX. Citicard has engaged in illegal and malicious activity against the public interest while its inattentive and greedy CEO is paid tens of millions of dollars per annum.
Complaint sub-issue: Account status incorrect

Equifax has repeatedly failed to update my credit report monthly and incorrectly shows inaccurate balances. I have repeatedly contacted them in which I have been ignored.