Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

My monthly due date of Discover Credit Card is XXXX. I MANUALLY made a full payment of XXXX statement which was {$470.00} from my XXXXXX/XX/XXXX checking account on XX/XX/2020, however, Discovers system made an autopay on my XXXX XX/XX/XXXX checking account for full payment of my bill. It means therere 2 full payments for my XXXX statement, and I found both of their status were POSTED on XX/XX/2020. So I called Discovers hotline immediately and told their agent I only wanted to make one payment. They canceled one of those 2 full payments for me. I thought it was done for this case, until I found there was one more autopay from Discover with same amount for my statement was made on my XXXX XX/XX/XXXX checking account on XX/XX/2020. Then I called Discover immediately again, and asked whats going on. They told me their system found their first AUTO DEBIT from my account was unsuccessful, so this was systems second try automatically. But Ive fully paid my statement on XXXX. I dont know which payment you manually canceled one of them for me on XXXX, but now, my statement was fully paid. Before you system automatically debit for your second try, wouldnt your system check if the bill had been paid? Theres no public holidays or weekend during this period, your second debit was made after I had paid my bill 2 business days ago. Now, your second time debit made me have overdraw fee at XXXXXX/XX/XXXX which costs {$35.00}. Ive talked to XXXX XX/XX/XXXX but they wouldnt waive this fee for me. I called Discovers hotline and told an agent the whole story, she told me Discover wouldnt refund rewards which equals to {$35.00} to me. This is Discover systems bug, however, they need me to pay for their bug. I asked her extension or name, she rejected to provide any reference information to me.
Complaint sub-issue: Trouble with how payments are being handled

To whom it may concern, In XX/XX/2019, I applied for the Public Service Loan Forgiveness program, via Fedloan servicing. On XX/XX/2019, I received a letter from Fedloan Servicing stating that I had only made 26 qualifying payments toward PSLF. The letter also stated that I have 94 additional payments to make, before I was eligible for the program There was very little information in the letter.

I would like Fedloan Servicing to answer the following questions for me : 1. Please tell me why these 26 payments, were different than the many other payments that I have made?

2. Please provide me with the dates of when these 26 payments were made?

3. Please provide me with the amounts of the 26 payments?

4. Please tell me why my income eligibility was only based on the last 12 months of payments, rather across the entire time that I have been make payments?

I also applied Temporary Expanded PSLF. I received a letter on XX/XX/2019, stating that Fedloan needed additional tax related information to complete a review. On XX/XX/2019, which stated that based on my income, that I did not make payments that were large enough, based on the FedLoan calculation. 

At this point, I have been denied both programs for the following reasons : 1. I did not have enough qualifying payments, but I have not been given any specifics of why the 26 qualifying payments were unique enough to be found qualifying. I have not been provided the dates, of those payments nor their amounts. I have not changed anything related to my student loans.

2. Based on an arbitrary calculation made by Fedloan, which only took into account my current income, and the previous 12 payments, it was found the I am not eligible for the Temporary Expanded PSLF opportunity, due to not having made large enough payments.

It stands to reason, that as long as I have been making payments, that I would be at my highest income level currently. Utilizing only the last twelve payments to calculate the amount, is a punitive and arbitrary rule, that is specifically designed to make it easier to disqualify applicants.

I will be filing a complaint with the Consumer Financial Protection Bureaus, and with my local Congressman. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/21, I received notice, via USPS, that XXXX XXXX XXXX alleges I owe their client, UGH I LLC, " XXXX, and XXXX ( {$XXXX} ) '', dated, XX/XX/21, for a " XXXX Credit Card '', with no original creditor cited. I immediately responded, via certified USPS Mail, return receipt, # XXXX, to dispute the debt in full and request validation within thirty-days ( 30 days ). A duplicate request was also sent to UGH I LLC, via, certified-USPS-Mail, return receipt, # XXXX. And a second validation notice was also sent to XXXX XXXX XXXX, on XX/XX/21, via USPS-Priority-Mail, although they had received prior notice, and the 30 day period had already begun with both parties. As the request with XXXX XXXX XXXX, was signed for on XX/XX/21, by Mr. " XXXX XXXX '', and the request with UGH I LLC, was signed for on XX/XX/21, by " UGH ''. Please see the attached letters, titled, " XXXX '', and " XXXX '', including return receipts, with signatures. After not receiving any response from either party, cease and desist notices were mailed to both parties on XX/XX/21. However, on XX/XX/21, I did receive what seems to be an inadequate attempt to validate this alleged debt from XXXX. However, it was post marked, XXXX, XXXX, and dated, XX/XX/21, well after the thirty-day ( 30 day ) period to investigate under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) expired. Please see the attached envelope, and letter, titled " XXXX ''.
Complaint sub-issue: Problem with direct deposit

I received my US Bank reliacard card that was issued by unemployment. When I tried to activate it on XX/XX/2020 it said " something you entered is incorrect ''. So I called the number and after I put the last 4 numbers of my card as well as social security number it says my balance, but when I tried to activate it using the automated system it sent me to customer service. The rep said on XX/XX/2020, I need to call unemployment for validation of account. I called unemployment XX/XX/2020 and spoke with the rep and she reviewed my account over and over and showed no issues. It showed payment trans number and she advised me once that number posts to my account it's out of their hands and it's on reliacard. I called all weekend and kept getting disconnected. Finllally spoke with someone today XX/XX/2020 and she was a supervisor. She said my account is closed for unknown reasons. I asked to be issued a new card and she said she could not. But how can I check a balance on a closed account as well how can they keep accepting money on a closed account. The supervisor advised me to closed my PUA account and start a new claim. I spoke with my district state senator today as well and she said to ABSOLUTELY NOT close the account. And said what the rep advised me to do is highly unacceptable. She said why can't they just issue a new card. I said She can't on a closed account. I advised then she should not be able to accept money as well as I should not be able to check balance. I just want to be able to use my funds.
Complaint sub-issue: Company closed your account

XXXX was using XXXX  XXXX  for their store credit card. On XX/XX/2020 they moved their store card over to Citibank N.A. We received a notice in the mail that they were moving the account and we were to use the new website to set up our account. In order to set up the account we needed the new XXXX Credit Card. So we call Citibank N.A. and they said that the account was closed. We asked them who closed the account and they stated that the account was closed by XXXX XXXX. We then called XXXX XXXX  and they said that they didn't close the account it was just transferred to Citibank. We have been going around and around with them. We have no where to make our payments too. XXXX  wont take them and Citibank won't take them. If we don't make the payment they will put a negative mark against our credit.
Complaint sub-issue: Debt is not yours

I recently looked at my Discover Card account to see what the balance due was. 
I noticed that there was a monthly charge coming from XXXX XXXX for around {$11.00}. 
So I called Discover and they told me that the fee has been coming out of my Discover account since XXXX of 2017. Discover also informed me that there was a purchase made from XXXX charged to my account for around {$230.00} and that they had also charge some 'fee ' for around {$40.00}. 
I told the Discover card agent that I have n't bought anything from XXXX in years. So Discover is disputing the charges on my behalf. 
I do n't believe this was any accident. I asked some of my customers coming into the Post Office where I work and within 30 minutes two of them told me the same thing had happened to them. Except they had made an XXXX purchase, but later saw that XXXX XXXX was charging them a monthly fee that they had n't requested. 
This strikes me as a common procedure to steal money from unsuspecting people. Imagine the senior citizens that would likely never suspect that a company as large as XXXX was consistently stealing from its customers.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I am a long time customer of Citi with an excellent payment history. Last XXXX I purchased a home and I needed to use my credit cards for some time until I received my bonus this XXXX. I knew that I would be able to pay the debts I was accumulating, and I was paying on time and the correct amount throughout all of this on all of my accounts. When I received my initial bonus I paid down my cards significantly - XXXX on one card and XXXX on another. As soon as those payments cleared my credit report was hit, my credit limit reduced by the amount I had paid, and my XXXX XXXX negatively impacted by the overall reduction of credit. The percent utilization of credit should have significantly reduced, particularly since these were not the only cards I was making significant payments on ( I paid another XXXX on a different card ). There was no reason to execute this action. I called Citi and attempted to resolve the problem and get my limits reinstated, and even after escalation I was told that there was no point, that it was their policy to do this to their customers and my limit would never be reinstated. I attempted to resolve this through a dispute through XXXX, since they told me to take it up with XXXX, but Citi ignored my argument and just confirmed that the information regarding my account was accurate. Let me repeat, I am a long time cardholder in excellent standing - the only thing I did was utilitize the credit I had been given, and then paid down the balance in a large lump sum! Why should I be punished with a credit limit reduction for that with no cause whatsoever to take any action. My credit score has already increased because of the other payments I have made, and would be even higher had Citi not reduced my credit limit so dramatically. I simply want my credit limits reinstated in my cards. 

I will note that I have seen XXXX  complaints about this exact situation and Citi makes no attempt to work with their customers on this issue.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting Act, Equifax Inc. has violated my consumer rights by reporting a XXXX  XXXX XXXX. Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

Hello I have tried Numerous of times to dispute XXXX XXXX XXXX accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX fXXXXXXXXl state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being XXXX I have then healed and gotten well and Im just trying to better my situation.
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX
Complaint sub-issue: Debt was paid

I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Discover Financial Services in the past, but they have failed to give me a fair solution to my issue. I have a Discover account XXXX, Opened Date XX/XX/2013, Credit Limit {$1000.00}, Balance : {$0.00}, status : closed. 

Discover Financial Services has been reporting incorrect information to the credit bureaus. I paid this accunt several years ago and they are reporting a recent last payment date. Also, they have failed to provide me with an answer to my letter sent back on XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. 

They are being Unfair and Negligent. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This is affecting me physically and mentally and I want a fair solution to this issue. 

I am demanding a deletion letter from Discover Financial Services and I want them to stop collection activity on this account that is already closed and paid. If they dont provide me with the deletion letter that I an demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. 

See attached documents sent to Discover Financial Services, which they ignored.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1900.00} XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Complaint sub-issue: Account status incorrect

RE : Equifax and  XXXX  Credit Repor t A 2 rel ated creditors are still listed/showing on Equifax Credit Reporting what were included in a Ch  XXXX  over 10 years ago. The creditor  ( s  ) Principal/Nationstar were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have  XXXX   XXXX   XXXX   XXXX  Florida discharge documents as well to substantiate my claim.
Complaint sub-issue: Fee problem

I am getting married in XXXX and I have make payments to vendors for wedding and each time I make a payment from my personal checking account my bank charges me a convenient fee. Which I have never been charged before. I dont understand this fee. So if I go on vacation and use my debit card Im I to be charged a service fee to pay hotel in XXXX, XXXX can far. 
Also when they charge this made up fee it has caused my account to go negative and it snow balls from there.
Complaint sub-issue: Account information incorrect

Hi, I paid off my student loans, due to this my credit score dropped 56 points - this has drastically hurt my chances of getting a loan and buying a home. This should not have happened. I am being punished for paying off debt.
Complaint sub-issue: Information belongs to someone else

I have been made aware of recent hard inquiries on my Equifax and XXXX credit reports that I believe to be fraudulent. 

Equifax : Hard inquiries dated XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX, XXXX XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I have filed a report with Equifax and am awaiting the fraudulent inquiries to be stricken from my credit report. 

XXXX : Hard inquiries dated XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I attempted to file a report with XXXX, and am awaiting the fraudulent inquiries to be stricken from my credit report.
Complaint sub-issue: No notice of investigation status/result

Multiple disputes on several incorrect items on my bureaus. Submitted clear and concise documentation proving their errors. After 3 rounds of " updating '' with no changes I am filing a formal complaint against Equifax and XXXX for not complying with the FCRA laws and the legal requests I have asked for stating how they came about their decisions of " non removal '' and " verified as correct '' which is apparently not the case when proof is provided on numerous occasion.
Complaint sub-issue: Personal information incorrect

When I just checked my Equifax credit report I saw that one of my associated addresses said I lived at : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never ever lived at this address nor have I ever lived in XXXX. I have n't lived in any other states besides XXXX and XXXX so I have no idea where this address came from.
Complaint sub-issue: Problem accessing account

PNC BANK. Will not permit the site XXXX to access personal accounts therefore making the service unusable. They have blocked access this should be illegal as it is my choice to use XXXX to build funds.
Complaint sub-issue: Personal information incorrect

Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.
Complaint sub-issue: Didn't receive advertised or promotional terms

My Fidelity Rewards Credit Card account was closed by the card issuer Elan Financial Services on XX/XX/XXXX. As shown in my account statement on XX/XX/26, I have made {$60000.00} in purchases before the account was closed. Per card member agreement, I am supposed to receive 2 base points per dollar spend. I have also signed up for the 50 % bonus points via an email that was sent to me on XX/XX/XXXX. Therefore, I should have received 3 points per dollar spent ( 2 base points + 1 bonus point ). I even charged all my property taxes to the credit card and paying over 2 % fees to the county on the assumption that I would receive 3 % back from the card. 

For the XX/XX/26 statement, I should have received XXXX {$60000.00} = XXXX reward points. 
However, the statement is showing that I received XXXX points. I messaged Elan Financial Services already but they refused to credit the rewards. Elan Financial Services claimed that " Once you or we close an Account for any reason, all accumulated Points are forfeited. '' Since the account was closed without my consent and was closed after those purchases were made, it was completely unfair to consumers. Elan Financial Services closing customer credit card accounts just after they earn a lot of rewards and then refuse to credit the rewards seems suspicious to say the least. I have attached both my Fidelity XXXX statement and the promotional points email to this complaint.
Complaint sub-issue: Frequent or repeated calls

The company ERC have been calling my phone everyday at least 3 times a day asking for a XXXX XXXX which I've repeatedly told them that they have the wrong number and this has been going for at least 3-4 months and it is very annoying. No matter what i tell as far as removing my number they always state that they will yet they don't. I would like to file a complaint and lawsuit for phone harassment because they are going to continue to call unless I do. I do not want to go into another year with this nonsense.
Complaint sub-issue: Investigation took more than 30 days

Equifax and XXXX has been using some come of software to hard into my clients data base. Why I know this b/c everthing I get into their site they book me off I've been a victim of ID theft and I've seen a lot of bank shy away. If they knew the pain I had to endure POLICE report constantly, hacking, filing to you guys and ftc Law said we have the right to dispute any inaccuracy and they are required by law to look into it or at least do a reason investigation they have fail me miserable
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Discovered that I was getting multiple false charges to my credit card. Notified my credit card company CitiBank on XX/XX/XXXX and was told that it would not be withdrawn from my checking account but on XX/XX/XXXX my checking account was charged the money and was told there was no record of the dispute. A new dispute was filed on XX/XX/XXXX and I am still being held liable for the charges as of XX/XX/XXXX. The XXXX entities that have these multiple charges are XXXX and XXXX. I was unable to successfully reach them. The amount of false charges are in excess of {$17000.00}.