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

I called XX/XX/XXXX to refund the payments I made with my student loan with my loan servicer MOHELA and the refund amount that was requested was {$21000.00}. The MOHELA representative said it would take XXXX days for it to reflect on my bank account. 

I called again XX/XX/XXXX with MOHELA to follow up as I have not received the amount of refund I requested for after waiting. The representative then says they are backed up and it can take another XXXX more days as the previous representative did not process my request. 

I called again XX/XX/XXXX with MOHELA to follow up and they said I should be receiving it soon and even waited XXXX additional hours to speak to manager for her to leave a note on my request as I told her I had other payments that needed to be paid before the new year and she said it should be coming in sometime this week. 

I called again XX/XX/XXXX with MOHELA to follow up and they said that the Department of Treasury is still processing my request. I have become upset and told them that my personal payments are overdue and now interests have accrued that I should have not owed as MOHELA did not handle my request properly and continues to tell me the same thing over and over and wait after I have been waiting for longer than the time period I was told that the money was going to come.
Complaint sub-issue: Confusing or missing disclosures

On XX/XX/2021, I opened a new checking account at US Bank branch at XXXX XXXX, UT with a promo code XXXX that gives me {$300.00} after meeting certain requirements. From the fine prints available at opening this account, the requirements are : 1. open a new checking account other than student or safe debit account by XX/XX/2021 ; 2. complete recurring direct deposits that total {$3000.00} or more within 60 days of account opening ; 3. enroll in e-statement by XX/XX/2021. 

For requirement 1, my checking account is the basic easy checking account and I'd never had a connection with US Bank before. Therefore it is a new checking account of eligible type. 
For requirement 2, I made 3 direct deposits of {$2000.00} each that total {$6000.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. Therefore recurring direct deposits totaling {$3000.00} or more were completed within 60 days of opening the account. 
For requirement 3, I enrolled e-statement when I opened the account. Therefore it is met, too. 

The fine prints of the offer say the bonus will be deposited within 60 days after all requirements are met and verified. After more than 3 months I met all the requirements, I still didn't receive {$300.00} bonus. I made multiple calls over the past 3 months to US Bank but it didn't get solved. Until XX/XX/XXXX, I got a call from US Bank and the person in the call told me I did not meet the requirement because I had to make direct deposits of at least {$3000.00} in each single deposit. 

For such obvious misleading and made-up excuse of not grant me the bonus, I tried to have some questions clarified in the call but that person failed to do so. The fine prints of the offer clearly say " direct deposits that total {$3000.00} or more '', by which a normal person would interpret it as " multiple deposits as long as they add up to at least {$3000.00} ''. But that person stubbornly insisted it has to be one single deposit of at least {$3000.00}.
Complaint sub-issue: Information belongs to someone else

I have reached out to these companies many times stating that I am a victim of identity theft and they keep ignoring my request to delete these unknown inaccurate accounts and addresses. They keep updated information on these closed collection and charged off accounts which is continuing to destroy my name and lively hood. These companies have not sent me anything in writing or contacted me in. I'm exsperiencing hardships financially and mental because these negative unknown inaccurate addresses and accounts.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2018 I disputed an item with Equifax via verified letter which included a Dispute Letter and a copy of the Disputed item ( XXXX XXXX Account ). I stipulated that : According to the FCRA, Section 611,  paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of said furnisher, if reasonably available ... '' Please note, a tird party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6_ ( B ) ( iii ). I demand direct, not third-party, proof according to the FCRA, section 611, paragraph ( 6 ) ( B ) ( iii ). Please provide me with : the Name of the Person you spoke with who identified the account ; an original Consumer Contract with my Signature on it ; the Telephone Number of the person who verified this account ; and the Documentation Used to Verify the dispute. On XX/XX/2018 I received a letter from Equifax that said my account had been " UPDATED '' but Equifax did not include any of the information that I requested, and due, as per the law. 

I then sent Experian another second certified letter ( mailed on XX/XX/2018 ) again demanding that : according to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), I was specifically requesting that " they provide me with : 1, the Name of the Person they spoke with who verified the account ; 2. an original Consumer Contract with my Signature on it ; 3. the Telephone Number of the person who verified the account ; and 4. the Documentation used to Verify the dispute. YOU HAVE NOT PROVIDED ME WITH THIS INFORMATION WHICH IS GROUNDS FOR DELETION. Under the FCRA, unverified accounts MUST BE REMOVED and if you are unable to provide me a copy of verifiable proof as per my request above and as per the law, you must remove the disputed account. If you do not provide me with the above mentioned information to verify your investigation results as required by law, I will file a complaint with the FTC and the Consumer Financial Protection Bureau. '' I received a second letter from Equifax, dated XX/XX/2018, stating that their reinvestigation of the results had been " UPDATED '' ; yet none of the required verification information was provided. 

I am requesting your assistance is putting an end to this matter and their blatant violation of my rights. I have already contacted the FTC and I am now contacting your organization because my rights have been violated and I want the said referenced account to be permanently removed as is my right under the law. 

Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX
Complaint sub-issue: Account information incorrect

XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a debit card from the state of Colorado, issued by USBank that I do not want. It is for unemployment benefits that I do not subscribe to. I do not get benefits nor have I applied for benefits.
Complaint sub-issue: Account information incorrect

I contacted the Department of Education in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports onXX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I  logged into my debt summary for the Department of Education and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2021 I mailed a certified dispute letter to VANCE AND HUFFMAN LLC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over 100 complaints with the CFPB. VANCE AND HUFFMAN LLC has failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Complaint sub-issue: Information belongs to someone else

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$860.00} ; XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$31.00} ; XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft XXXX XXXX, XXXX, XXXX, has fraudulent accounts on my credit profile that needs to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to remove this however, I have not been successful.
Complaint sub-issue: You never received your bill or did not know a payment was due

i have a best buy Citigroup credit card. i mail out my payment befor XX/XX/XXXX18 the due date. i aslo pay my bills on time. on XX/XX/XXXX18 i received call from them that im late i told the person the payment was mail out and im not late please dont call me agian. that was a t XXXX. then at XXXX on XX/XX/XXXX18 i recevied the same call. i told them i mail out my payment and a stop harassment me. i'm never late on my credit bills. i told thm they is a grace period stope call me. i never late. they continue to harassment me.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Used obscene, profane, or other abusive language

I called to resolve the acount and they where extremely negtive ... They kept giving me deadlines and tell me that they would note the account as a refusal to pay. I did end up paying the account. But I would have appreciated a little more courtesy and friendly tone.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I dont have the exact date, but I did spoke with someone and they stated that since it was over 90 days since the account was closed it was nothing that they could do since it was turned over to the creditors. The account been was suppose to be in my sister name but they didnt changed it on there end. So when she went in XXXX of 2018 instead of her paying the bill she had gotten another phone. So they just had closed the other account. I didnt know until I received a collection letter in the mail stating I owed them and that's when they told me it was nothing they could of done since they never had put it I her name and that it was already closed. The amount is {$430.00}.
Complaint sub-issue: Debt is not mine

There was a special at XXXX indicating free transfer of old phone service to XXXX. My husband returned the XXXX XXXX phones the next day due to being mislead of paying off my old account ( different vendor ) upfront. We had no service and XXXX would not change our plan to theirs until we paid XXXX.
Complaint sub-issue: Information belongs to someone else

I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : 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. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.
Complaint sub-issue: Didn't receive notice of right to dispute

I was reviewing my credit report and found a report from ICSystem for the amount for {$400.00} that was placed on my credit in XX/XX/2018. There has never been any communication from this company ever sent to my home. I have not been allowed to dispute this debt as I did not know that it existed. As I have looked at sending communications to the company the only address that is available is a POBox in XXXX XXXX, MN. This attachment to my credit is incorrect as the proper lines of communication have not been established. I want this removed from my credit immediately.
Complaint sub-issue: Fraudulent loan

AFNI, XXXX credit provided a leased vehicle in XXXX with monthly payments. After 6 months of payments, the car which was on my private property was suddenly taken without any notice. Upon calling XXXX, I was informed that they did not have the loan number. Upon calling XXXX XXXX XXXX, I was informed that the Bank has not bough the loan from AFNI. Further, XXXX did not provide any copies of the documents after there was a robbery on the premises where all the documents were taken. 

Having opened suit in DC Superior Court for trespass and breach of peace which is based on the supposed default of the loan. If I did default, there has to be notice provided by the creditor on the terms and possible repossession of the vehicle. The calls as provided by the credit company do not indicate why there was no evidence of the default. After 5 months, the car is taken from the driveway without informing the leasor prior to being in Court for an important hearing which she is plaintiff. Ad the credit company contends that the loans were agreed upon by the parties and there has been no bank involvement, the vehicle has been taken by breach of peace and XXXX has committed trespass. These facts have been provided at mediation and AFNI says it has documents which prove that there is a deficiency that has to be fulfilled. Under DC consumer laws, Im requesting that my rights to be provided notice on a loan within 30 days of any possible default is protected. I also have not been provided any notice of the car being repossessed, auctioned or any activities by XXXX from XX/XX/XXXX - XX/XX/XXXX.
Complaint sub-issue: Problem making or receiving payments

I recently opened a checking account with US Bank. My first deposit was significant. I am accustomed to making online payments of bills through Bill Pay. On XX/XX/XXXX, I sent three online payments to two financial institutions to pay off credit cards. The date given for delivery was XX/XX/XXXX. As the funds were still in my account as of XX/XX/XXXX, I contacted the bank and found that they had for some reason sent checks to these financial institutions and the payments are hanging in limbo. The 800 clerk said she didn't know how they could be mailed as they had no address!!!! 

This is totally unacceptable. Payments to individuals could understandably be made by check but certainly not financial institutions. 

I am unable to find a phone number other than a general 800 number. Corporations should not be allowed to hide behind an 800 number! I deserve to talk to someone that can complete my transactions instead of having funds in limbo!
Complaint sub-issue: Account status incorrect

My previous mortgage was given to Selene Finance from XXXX XXXX. In as of XX/XX/XXXX Selene Finance put on my credit report that I had late payments in XX/XX/XXXX and XX/XX/XXXX. As you can see below from Selene 's  own information payment was cleared for XXXX on XX/XX/XXXX and the entire balance was paid on XX/XX/XXXX. Both are well within the time frame before it would be considered late. I have never been late with my mortgage payment and have not been late on any payment at all since XXXX. I have fought with Selene Finance to correct their mistake which they continue to deny and refuse to update with the correct information. This is now impacting my family and I being able to get another mortgage to buy our family home. I pray that you are able to assist me in anyway in getting this corrected. 
SELENE FINANCE PAYMENT HISTORY Date Amount Description XX/XX/XXXX - {$220.00} Escrow Disbursement XX/XX/XXXX {$20.00} Payment of Fee XX/XX/XXXX {$180000.00} Payoff XX/XX/XXXX {$20.00} Assessed Fee XX/XX/XXXX - {$1600.00} Insurance Disbursement XX/XX/XXXX {$1200.00} Payment XXXX ALERT FOR SELENE FINANCE XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX of XXXX, I purchased four airline tickets to fly back east for a total of {$970.00} using the XXXX XXXX fly now pay later promo. In XXXX of XXXX, I noticed XXXX charges in the amount of {$73.00} on the credit card for a total of {$290.00}. The description for those charges said merchandise. I immediately called the credit card company to dispute those charges. It went to the fraud department so that can do their investigation. I was issued a new card. On XX/XX/XXXX I received an email from XXXX XXXX that my trip was canceled. I called to inquire why they canceled my flight. They informed me that because there was fraud on my card the credit card company canceled my reservation. They also informed me that I would be refunded the amount of {$970.00} to my XXXX XXXX card. Since I already had hotel reservations booked back east and airline tickets were increasing I had to purchase another set of four tickets for a total of {$1500.00}. After that, I started seeing multiple charges and credits in the amount of {$73.00}. As of today, I have made {$690.00} worth of payments. As of XX/XX/XXXX, my current balance is {$1700.00}. I have called numerous times to complain that my balance is incorrect. I was first credited {$970.00} to my account. I made a second purchase for {$1500.00} minus {$690.00} my balance should be {$890.00}. I have told them this numerous times and they keep telling me oh we see the problem we will fix it and wait 10 days to see the corrections. I check and nothing is being done to resolve this issue. I have talked to numerous supervisors and I am being cheated and overcharged.
Complaint sub-issue: Can't close your account

In a letter posted here on XX/XX/XXXX, US Bank agreed to close the account they created at XXXX. As a result, the complaint that I created here on XX/XX/XXXX was closed. There response on XX/XX/XXXX failed to address my grievance regarding the credit card they misrepresented and I recieved under false pretences. They did however agree to close my account. They did for two days, then they choose to activate it again. I hope this proves that I can not negotiate with this company.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, there was an inquiry on my credit report from XXXX, XXXX XXXX from a cell phone order. My Social Security was used and XXXX asked me to fill out a fraud form which I did and faxed it to the number they provided me. I called again after 30 days and the form was not able to be located by either XXXX or XXXX XXXX. I was being sent back and forth to talk to different agents that had no clue what to do and were not helping me at all. I then called again at the end of XXXX to and I guess they did an investigation on it which I was told by multiple agents that it was complete and the inquiry was going to be removed from my credit report within 30 days. It has been about 3 months now and the inquiry has not yet been removed. I also told them that I was in the process of getting a like of a credit for a real estate contract I had and it was going to be denied if the inquiry was not removed since it effected my score a lot. They did not seem to care and continued to say it will take weeks for it to be done. I filed a complaint with the XXXX XXXX XXXX which I received a response from the company about them not receiving any fraud forms. Also, I included all the info about the issue and they closed the complaint without doing a thing to remove the inquiry. This is getting to be ridiculous over something that was not authorized by me and I am being affected by it.
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS CONTINUING TO REPORT MULTIPLE ACCOUNTS THAT WERE PREVIOUSLY DELETED DUE TO IDENTITY THEFT. AFTER SOMEGOW MERGING MY PROFILE THESE ACCOUNTS RETURNED AND HAVE NOT BEEN DELETED DESPITE MY SUBMISSION OF ALL NECESSARY DOCUMENTATION INCLUDING POLICE REPORTS AND AFFIDAVITS. THESE NEGATIVE ACCOUNTS SHOULD BE DELETED AND/OR BLOCKED IMMEDIATELY.