Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

I called Mohela on XX/XX/XXXX to request a refund of about $ XXXX in student loan payments I made during the pandemic. The rep that submitted the request for me said it would take up to 90 days to see my loan balance readjusted in my account and receive the refund via the original method of payment which was through my bank account. I called again in the first week of XX/XX/XXXX because its been over 3 months since I originally made the request and the rep couldnt provide much of an update besides telling me that theyre still working on it and doesnt have an idea of when I could expect the refund back. I get a call a few days later because I emailed Mohela prior to calling them and this new rep told me that Ill likely receive letters in the mail from the Department of Treasury with individual checks of payments I made which is the last thing I wanted because who knows how long itll take for the department of treasury to write those checks, let alone receive them in the mail versus just depositing the amount in my bank account.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$480.00} XXXX   XXXX {$12000.00} XXXX  XXXX {$69.00} XXXX XXXX {$800.00} XXXX  XXXX {$69.00}
Complaint sub-issue: Personal information

They are reporting old address on my credit file that were never mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On our Equifax credit report it shows a lot of hard inquiries from car companies that we did not authorize. We only authorized XXXX XXXX and XXXXXXXX XXXX. There are over 60 hard inquiries which is damaging our report. I contacted Equifax and they are refusing to dispute the inquiries
Complaint sub-issue: Debt is not yours

On XX/XX/2022, I sent you a letter to Afni INC after they placed an account on my credit reports without allowing me the opportunity to request validation of the alleged debt. They then sent me a letter providing me verification when I specifically requested debt validation not verification. On XX/XX/2022, I sent you a follow up letter asking that they validate the alleged debt by providing me legal documents, but they completely ignored my request and continue to report this alleged debt on my credit report. On XX/XX/2022, I sent another follow up, and I have yet to hear back from them. 

I need this account deleted from my credit report and for them to close it in their office.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 U.S.C. 1681. 

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 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: Account status

I have disputed this entry for more than 2 years now. Experian, XXXX refuse to remove this entry even after I sent them evidence that this account should be deleted. XXXX XXXX
Complaint sub-issue: Account status incorrect

Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Trouble with how payments are being handled

I have a private student loan with Discover Bank with a variable interest rate. While XXXX interest rates have risen over the past year, so has the interest rate on the loan. In my Promissory note, Discover Bank stated they would be using the quarterly XXXX rate for any changes. However, within XXXX days, Discover Bank has changed my interest rate twice. The first, a slight reduction. The second, a full 1.5 % rate increase. The XXXX rate from last month has gone up .5 %. Discover will not disclose why I received two interest rate changes, they will not disclose why the increase was so much larger than the XXXX increase, and they are not following the terms of agreement laid out in the Promissory Note. This represents the largest single increase I have ever received for this loan, and amounts to a 15 % increase in my payment with absolutely zero explanation other than them notifying me of a change. I have zero missed or late payments on this loan and I have on several occasions paid more than the minimum where financially possibly. I believe Discover is abusing its authority to change the interest rate on my variable loan, as is evidenced by their lack of disclosure, multiple rate changes within a span of two weeks, and an increase far beyond the XXXX increase which they are supposed to follow.
Complaint sub-issue: Fee problem

The issue today is money ; specifically {$360.00}. This is the amount that I was unfairly charged by XXXX of XXXX in XXXX, Florida. Immediately after that charge was made, I went to a PNC branch in XXXX, FL to have it stopped. The employee there told me they stopped the charge. About two weeks later, another PNC Bank employee at a bank in XXXX, FL told me that PNC bank can not stop the charge but can put in a dispute. I gave PNC all the information they required. I heard absolutely nothing for the next few months. When I went to a branch, I was told nothing, I received no mail whatsoever, no text, no email, no nothing. 

PNC WAS TOLD NOTHING BEFORE XXXX BECAUSE THEY FAILED TO COMMUNICATE ANYTHING WITH ME DESPITE ME GOING INTO BRANCHES MULTIPLE TIMES. 

Much to my chagrin on XX/XX/2019, I was informed that PNC took back the credit and the reason was because I did not submit supplementary information. No one said anything about supplementary information. There were months full of chances to do that. Needless to say, I was an extreme financial emergency that day. I had a banker in XXXX get me the number for the corporate office and explained to them that I did not receive anything asking for more documentation and that it is ridiculous that here in 2019 with all the methods of communication that are available to us, PNC is still using the US Mail. I have placed at least half a dozen complaints with the postal service for lost, misdelivered, opened and misplaced mail.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation.
Complaint sub-issue: Debt is not yours

I have filed FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT, REFERENCE NO XXXX regarding DEPT. OF EDUCATION ACCOUNT XXXX appearing wrongfully, solely on my EQUIFAX CREDIT REPORT.I HAVE NOTHING TO DO WITH THIS LOAN, OTHER THAN THE FACT IT IS APPEARING ON MY CREDIT REPORT.IT IS NOT MINE.I NEITHER APPLIED NOR RECEIVED ANY BENEFIT. 
At this time there have been a combination between 15 and 20 disputes to Equifax and complaints with the CFPB TO EQUIFAX..BOTH THE FURNISHER AND REPORTING BUREAU ARE NEGLIGENT AND DESERVE SEVERE PENALTIES TO BE OBTAINED BY THE CFPB..NEITHER THE FURNISHER NOR THE BUREAU ADHERES TO DODD-FRANK OR THE FCRA REGARDING THIS ITEM.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 : {$20000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent nor initiate multiple hard inquiries listed on my credit report. The attached identity theft report includes names of companies that I did not consent inquiries for. Hard Inquiries identified as identity theft to include but not limit to the following : XXXX, XXXX ( Bank ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX ( Bank ), XXXX XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX. XXXX XXXX is reporting a charged off rent balance for an address I never lived in the amount of {$3500.00} it's reporting the date opened XX/XX/2017 with an original balance of {$2600.00} I've been going back and forth with this collection agency for years with no sign of solutions. 

The company only offer a settlement which is adding insult to injury for a debt that's not mine.
Complaint sub-issue: Information is not mine

Multiple wrong address information..on my XXXX, XXXX and Equifax credit files 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 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 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 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 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 XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days since I sent my letter and I have yet to receive a response. I'm not sure if my disputes are being ignored and I am being taken advantage of. It is stated in section 611 ( a ), that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 60 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. I feel that these accounts are adversely affecting my credit report and costing me countless dollars in interest. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
Equifax is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX/XXXX  XX/XX/2018 I have contacted Equifax to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My XXXX report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX is XXXX XXXX XX/XX/2018.
Complaint sub-issue: Deposits and withdrawals

I have on numerous occasions experienced a great deal of difficulty accessing funds deposited with this institution. The problem is not so much accessibility ( although they do make it difficult ) as it is privacy. For any transaction, except for deposits, they require ID, this is understandable however asking me why I am withdrawing my own funds or what I plan to do with my income tax refund is none of their business and was not done in the framework or tone of providing any additional service. It was a barrier. They have asked for 2 forms of ID at one point and also informed me that my drivers license was expired on another occasion. This has happened numerous times at this branch and happens to others as well. PNC Bank XXXX XXXX, XXXX, Pennsylvania.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/2017 I sent XXXX finance in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/2017 they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with XXXX, XXXX  and Equifax but the credit dispute has not removed the information from my credit report.
Complaint sub-issue: Received bad information about your loan

I am XXXX XXXX. I recently started making payments to repay on this useless student loan to improve my credit. Great Lakes isn't reporting the payments to the credit bureaus even though my loan doesn't need to be paid right now. ALSO, they are only applying my payments to INTEREST ONLY on my loan. I'm being scammed.
Complaint sub-issue: Information belongs to someone else

I am filing this report today XX/XX/2020 because there are five accounts and some inquiries on my credit report that do not belong to me. The way I even found out about these accounts is because I am trying to refinance and I was unable to do so because of these accounts that aren't even mine. I did not open any of those accounts nor have I ever opened any type of account with any of those companies. I have no idea who could have stolen my personal information to open these accounts in my name without my permission but I have already reported it to my local police department. I did not gain anything such as money, goods, services or any other benefit from these accounts nor did I make any purchases/payments towards any of these accounts. I have also filed a complaint with the consumer financial protection bureau in hopes of getting this resolved.
Complaint sub-issue: Information belongs to someone else

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, OR INQUIRIES, IN DISPUTE AT ALL. See Police Report, for all accounts, addresses, and inquiries, below, need to be BLOCKED AND DELETED IMMEDIATELY, Effective this Tuesday, the XXXX of XX/XX/XXXX, at XXXX XXXX est, XXXX, as a result of being a victim of Identity Theft, losing my Birth Certificate, Social Security Card, and Drivers license, in the XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX. Peace and blessing! 

EQUIFAX : Addresses : XXXX XXXX XXXX  XXXX, GA XXXX, XX/XX/XXXX Accounts : XXXX XXXX XXXX : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX  XXXX  : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX had placed a collection account on my credit report on XX/XX/XXXX for XXXX I paid a contract off with them and closed my account someone who used to be in my household set up a new account or fraudulently opened my old ones back up but I have never authorized or signed for a new contract with XXXX. This needs to be removed from my credit.
Complaint sub-issue: Charged too much interest

US bank charges me interest when I an the balance off every month.there should be no interest charge like when I pay balance off on all other credit cards I ever had or have.they say the pay off balance is different.they are ridiculous
Complaint sub-issue: Problem with fees

Hello CFPB! 

This complaint is for Citi Credit Card. 

I am writing to talk about Citi 's Credit Card Membership Fee accident. My credit card number is ending in XXXX, valid Through XX/XX/XXXX. Name on card is XXXX XXXX. 
XXXX years ago, I called Citi to close this account and Citi told me it was closed. Then I just let it go for a long time and didn't use & monitor my Citi Credit Card. If Citi takes a look at my statement history, they will find I stopped using this card since then because I was told this account was closed. 

On XXXX XXXX, I happened to find that the card is still active, and Citi was keeping charing me membership fees. So Citi charged me for two times membership fee without informing me! I also never get the mail statement regarding these fees, no chance for me to cancel or dispute. 

On XXXX XX/XX/XXXX, I called Citi Customer Service to refund my XXXX 's membership fee and close this account. At that time, I was told to wait for a refund check and the account would be closed. 

I have been checking mail boxes for two months for the refund check and now I suddenly found that the account is Still OPEN! 

I called tonight ( as of XX/XX/XXXX around XXXX CDT ) Customer Service and got treated the rudest way in my life. Those XXXX Customer Service representatives, they told me they are : XXXX XXXX and XXXX Senior Supervisor XXXX. Ironically, hey said " there was no way to waive the recently charged membership fee '', because I called " too late '', which I don't believe because customers should have right to dispute their most recent past statement. 

I would like to talk to Citi to resolve these issues : ( 1 ) Why Citi didn't close my account two years ago, neither did Citi close my account on XXXX? Why all phone calls ended up keeping my account open? This is causing financial loss for fee-paying account! 
( 2 ) How does Citi train their customer representatives? Why they know nothing and keep doing wrong things? Who should be responsible for this accident?

( 3 ) How to resolve the long-lasting membership fee issue? I request 2 years membership fee back, due to it was violating customer 's consent. 

Thank you for taking care of this issue! I really appreciate it!
Complaint sub-issue: Account information incorrect

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies. I have attached highlighted pictures of the accounts reporting inaccuracies
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX reported my account as charged off even if I paid my credit card every month. And I paid it off.