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

I have been paying for over 20 years on two student loans that are now held by Nelnet as of XX/XX/XXXX. Today, I spoke on the phone with a Nelnet customer service representative and learned that I have been accruing capitalized interest at a rate of $ XXXX/month. This capitalized interest has been accruing without my knowledge and Nelnet has not notified me of the existence of this debt. 

When I asked the Nelnet rep how I was supposed to pay off this capitalized interest that I am not being billed for and which has now grown to be a debt of {$1400.00}, I was told to just add {$64.00} to my monthly payment of {$360.00} even though that does not appear anywhere on the monthly statement as a debt I owe. However, if I only pay $ XXXX/month, I will keep up with the monthly interest accumulating but never pay off the total debt, right? That seems like bad advice and disingenuous. How can I pay off a debt that I never get billed for and never get notified of its existence? 

I spoke with another Nelnet phone rep named XXXX back on XX/XX/XXXX, to inquire why the extra principle payment I sent in was not applied to my loan and instead was issued as a credit on the following months statement ( statement date : XX/XX/XXXX ). I was told that I accrued interest of {$110.00} during a previous forbearance in XX/XX/XXXX-XX/XX/XXXX that had not been paid off so extra payments could not be paid toward principle until that had been paid off. I asked how was I to know about this and how could I pay it off XXXX said she would investigate and I have still not heard back ; in the meantime, Nelnet is apparently charging me daily interest without billing me for it and without informing me of the debt. 

I made numerous payments toward extra principle in XX/XX/XXXX before Nelnet purchased my loan and they were applied per my instructions to pay down principle. When I paid extra to Nelnet, it was not applied to either the principle or the capitalized interest but instead was designated as a credit to the following month 's bill. I could have easily paid of {$110.00} if notified of the debt ; now that it has grown to a debt of {$1400.00} ( and  increasing by the day ), it is much more difficult to pay off.
Complaint sub-issue: Need information about your loan balance or loan terms

Afternoon, I submitted a refund request to my federal student loan provider, Fedloan, back in late XXXX, as I was eligible for one ( paid off my federal student loans during the summer of 2020 ), and they promised to submit confirmation of my successful refund request to my email ( XXXX ). I never received confirmation, and now they seem to have transferred my loan account to another provider. I do not know which provider that is, as they haven't communicated with me at all. 

Thank You, XXXX
Complaint sub-issue: Investigation took more than 30 days

I received my credit report from XXXX  and noticed a student loan that was placed into collections with a balance of XXXX dollars. I disputed this with the credit bureau and they were able to verify this account and suggest that I reach out to the creditor. I reached out the creditor on XX/XX/XXXX requesting what the money was owed for, how the calculated the amount I owe, and copies of any papers showing I agreed to pay what they say I owe. They have not responded in the 30 days allowed. This company is in violation of the fair debt collection practices and violation of the fair credit reporting act by not providing me this information.
Complaint sub-issue: Personal information incorrect

There's 3 unknown addresses on my credit file inwhich are not mine. Please send my attached id for my correct and only address.
Complaint sub-issue: Information belongs to someone else

I spoke with XXXX at Equifax on XX/XX/2021 about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX XXXX XXXX I did not authorize any of this inquiry. I am requesting that all above unauthorized inquiries be removed immediately from my Equifax credit report due to my identity been stolen.
Complaint sub-issue: Reporting company used your report improperly

I was affected by the Equifax hack that occurred in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2017 and widely reported on X/X/17. I have used the site Equifax set up to identify if your information was compromised ( that 's www.equifaxsecurity2017.com ) and was given a message that confirmed my personal details may have been leaked. I am using Equifax 's complimentary ID theft detection offered through said website via XXXX, and have already put a 90-day fraud alert on my credit reports. That said, the fact that this data breach happened at all is a company wide failure, and further action should be taken by CFPB to ensure higher protection standards for personal information and a clear account of how this happened.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE DISPUTED THESE ITEMS THEY HAVE NOT REMOVED THEM YET
Complaint sub-issue: Trouble closing card

In XX/XX/2021, I received the U.S. Bank ReliaCard for Ohio unemployment benefits. I did not apply for any unemployment benefits with Ohio or any other state. I reported this unemployment fraud scheme to U.S. Bank on XX/XX/2021. I was advised by the US Bank fraud agent to file an online fraud case and supply an ID Theft affidavit, which I did the same day. I also advised the Ohio Unemployment agency about this fraud. As of XX/XX/2021, I have not received written confirmation from US Bank that the fraud claim was received, that it was investigated, and that the debit card was inactivated and closed.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I received several phone calls from XXXX XXXX at XXXX XXXX  stating This is what was left in the message : " Hello this message is intended for XXXX XXXX care if this is you please press one now old for message my name is XXXX XXXX calling with XXXX XXXX the reason for my call today is to verify the address we have on file as we are preparing documentation to file in the case we have now made several attempts to reach you via mail and also two phone calls which were unsuccessful you've now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you in court we need to speak with you immediately today at XXXX again the phone number is XXXX or you can press one now thank you and good luck ... ''.. 

This is clearly a fraud threatening call
Complaint sub-issue: Problem with fees

Good evening, Since Citi arbitrarily closed my accounts while acknowledging I'd done nothing to violate the terms of service, I've been subjected to a number of fees I should not have been assessed. Attempts to address this over the phone have been met with refractory and snide customer-service representatives telling me they can not reverse the fees, which is an outright lie. I would like the following reversed : -Citi Premier late fee XXXX {$25.00} -Citi Premier Interest on the same XXXX {$2.00} -AA membership fee XX/XX/13 {$99.00} ( why am I being assessed a fee when my account is closed? ) -AA {$15.00} late fee XX/XX/13 -AA {$1.00} interest on the same XX/XX/13 I'd also like to be paid out the {$19.00} negative balance on my DoubleCash card Total = {$160.00} Thank you, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone applied tons of loans in my name and open up few fraudulent accounts in my name and I keep getting rejected for a recent loan in my name and I cant get a copy of my credit report and they dont have a human phone number to call and I would need some help with that if possible I tried everything to get help and I would like to dispute in the inquiries and phone numbers on my credit reports I was told there were a recent number change on my credit report I never changed my number XXXX also have another issues the creditor cant verify my identity if I were to open up a account such as banks credit cards or produce any security questions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX 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, 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 your act without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Complaint sub-issue: Problem accessing account

I am not appreciating the fact they you guys restricted me access to review and submit disputes online. This is a major inconvenience to me as a customer. I should have the same access to all of the benefits and features that comes with my account.
Complaint sub-issue: Was not notified of investigation status or results

My complaint is related to Equifax 's data breach. My personal information has been exposed and they failed to exercise even the most basic of due diligence by failing to notify me. I was unaware of the problem until I heard about it in the media. I have confirmed with them that my data has been exposed but have not agreed to their arbitration.
Complaint sub-issue: Transaction was not authorized

Previous complaint filed with you guys XXXX This is ridiculous the bank keeps saying.they need more time but there are time-frame to follow and they're not. So what do you guys do to help??? It's been 2 or more months since I first filed complaint.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX and XXXX XXXX are reporting on my credit files. These loan belong to a family member. If XXXX XXXX had contacted me regarding loan payments. I would have paid instead of letting them hit my credit. They never contacted me and the owner of the loans we never contacted either being that we have the same mailing address. According to the credit bureaus policy. These account fall under XXXX XXXX so I am requesting complete removal of the accounts period. I owe neither institutions a dime. If the owner fails to pay in the future I will pay to eliminate destruction of my credit. 

XXXX XXXX does not belong to me.
Complaint sub-issue: Information belongs to someone else

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXX****, XXXX   XXXX****, XXXX  XXXX XXXX**
Complaint sub-issue: Debt is not yours

XXXX XXXX  did not provide the service they promised me when I opened the account. The XXXX service had 0 signal in the area where I live. Because of that, I decided to close the account the same day it was opened. XXXX also has a 14 day trial period for customers to try out their service before committing. I called the XXXX company to cancel the account and because I cancelled the service the same day it was opened, the XXXX representative told me they would not charge my card and no fees would be involved. Now, after checking my credit report, I see a collection from the XXXX account that was opened 2-3 years ago. 

I disputed with the 3 Major Credit Bureaus and they did not assist me since the claim I made to the Bureaus was made electronically. The collection is still on my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d ; and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Complaint sub-issue: Information belongs to someone else

Creditor Name : XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX. - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted
Complaint sub-issue: Account status incorrect

I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue. My issue is again ; MY COMPLAINT XXXX XXXX XXXX OpenedXX/XX/XXXX {$170.00} Original creditor : XXXX XXXX XXXX I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX <P/>Please reference attached documents again. Case # XXXX CLOSED, BUT NOT SATISFIED Case # XXXX CLOSED, BUT NOT SATISFIED Confirmation # XXXX This matter has been cleared and satisfied with my XXXX  Credit Report but not on my EQUIFAX Credit Report. Please assist, or force assistance in cleaning up my Equifax Credit Report regarding this FALSE information.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX XXXX REPORT # XXXX ). DUE TO COVID-19 I  WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. XXXX  AMD XXXX  STILL HAVE NOT RESPONDED TO MY REQUEST AND EQUIFAX RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION XXXX ( C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX  XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX  XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX   XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$690.00} XXXX  XX/XX/XXXX {$360.00} XXXX XX/XX/XXXX {$360.00}
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting act. XXXX, Equifax, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. states I have the right to privacy.

These addresses do not belong on my credit report. 

Four addresses do not belong on my credit report. 

One social security number does not belong on my credit report. 

My name is spelled incorrectly 5 different ways on the credit report but should only be spelled one way.
Complaint sub-issue: Didn't receive notice of right to dispute

15 U.S CODE 1861 ( b ) company did not tell me that they transferred my account and was not aware of the company that debt was sent to.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor is reporting inaccurate information and has violated my rights for this account : XXXX XXXX XXXX XX/XX/2016 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

I've attached my driver 's license and a piece of mail with my current address on it.
Complaint sub-issue: Right to dispute notice not received

I found a collection from enhanced recovery reporting {$270.00} for XXXX. This bill is nearly 7 years old and they are barred from trying to collect on it. I do n't appreciate enhanced reporting this to my credit file. They are pushing me around because i am a single female and they want to make my life hard so I ca n't get nothing on credit.
Complaint sub-issue: Debt is not yours

IC Systems is reporting incorrect information because this is NOT my account. I asked them to validate the account under a previous CFPB complaint and they sent me a number of bills on behalf of XXXX that has an address I did not reside at with the incorrect spelling of what I assume supposed to be my name. The bill reflects a XXXX XXXX, NOT ME. I spoke to XXXX and advised this was not my debt and the woman from the XXXX Executive Office hinted at me creating multiple accounts with them and told me that it was NOT fraud so it wouldn't be reported as that. She furthermore, advised she was going to speak with her finance manager and NEVER called me back. 

What was your Method of Verification IC Systems? I am needing to know : - The person 's name they verified the dispute with. 
- The documentation used to verify the dispute
Complaint sub-issue: Information belongs to someone else

The reason for my dispute is that there are multiple discrepancies still showing even after filing my ID theft report. Remove the following immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, PHONE # XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Complaint sub-issue: Funds not received from closed account

Wise ( TransferWise ) is a scam Please protect people in the US from this scam. 
After we add money to our accounts with Wise, Wise intentionally closes the account ( without any explanations ) and takes the money away. They don't respond when we call them to inquire or appeal. 
There are many recent cases, many people they got SCAMMED by wise. 
Wise victims created a group of XXXX explaining their experience please check the following link for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Group name on XXXX  : Wise ( Transferwise ) Scam Victims Also please check the bad reviews on XXXX website from other victims at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please protect us and help us to get out money back XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Ref account number XXXX XXXX XXXX. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late XXXX and XXXX XXXX 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. Equifax continues to publish this report, with zero effective investigation.
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX, 2017 Equifax was purportedly made aware of a breach of 143 million customer 's SSN # s, addresses, credit card numbers, drivers license numbers and other sensitive personal information. Rather than acting immediately to make consumers aware of this breach, they waited over a month, dumping roughly $ 2M in stock before publicly announcing the breach. Not only should Equifax executives be criminally investigated for insider trading and securities fraud, Equifax should be held liable for negligence to properly protect extremely sensitive consumer information they obtained without consent. Furthermore, they should be held liable for all fees and expenses incurred as a result of this breach - fees paid to freeze credit, fees paid to monitor credit, legal fees incurred, etc. Equifax 's offer of 1-year free credit monitoring is not only a way to reel in customers to a recurring service, but a laughable solution to this breach. This information can be used against consumers for the rest of their lives.
Complaint sub-issue: Account status incorrect

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX