Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get other flexible options for repaying your loan

I sent this to American Education Services, after repeatedly requesting help because I was unemployed, and it started at the beginning of the pandemic. I have requested Income-Based Repayment ( IBR ), and was told they are not available, which has placed me in default. I have received a document from AES stating ( Urgent : Your Loan Is Due In Full ). I am presently living on SSA retirement so I have a limited income while I arrange to have my XXXX XXXX. I sent it after reading that the CFPB had sanctioned XXXX for deceptive statements, part of that article recommended requesting a refund of the payments made. I have done this with the email below, but I still have not gotten a response from them. 

The email with AES : I am writing this to help clarify our situation. At present, I am in default for the student loans you hold with me. Please understand that I have appreciated your work with me while I have been repaying these loans when I needed assistance because I could not afford the payments. 
Since XXXX of XXXX, I have asked for and received help from you since I lost my job. Once the extension and forbearances ran out, I had to make my payment to you, and I have as best I could during this time. 
I have investigated bankruptcy and found that Student loans are protected unless they are causing Undue Hardship, so I send a partial payment each month. 
My confusion comes from this. Private and Federal Student Loans are protected from bankruptcy by law. If they are protected under the same laws, then they should also have to adhere to the Covid-19 policies that have been set to help in this crisis. If these loans are protected from bankruptcy as the Federal Student Loans are. These student loans have been suspended since XX/XX/2020. The U.S. Department of Education ( FSA ) encourages borrowers to request refunds through their loan servicer as soon as possible. 
My Questions : 1. If these loans are protected from Bankruptcy as the FSA loan are, why dont they have to follow all the laws and policies ( even the Covid-19 Policies ). 
2. If these loans are protected from Bankruptcy as the FSA loan are, why have I had to make all the payments since XXXXXXXX XXXX XXXX, since on XX/XX/2020, all payments have been suspended for Student Loans? 
3. If these loans are protected from Bankruptcy as the FSA loan are, why do I have negative reporting on my credit report since these loans have had the payments suspended? 
Any Help answering these questions would be appreciated. 

My Request : Per the advice of the U.S. Department of Educations Office of Federal Student Aid ( FSA ). I am requesting a refund of all my Payments since XX/XX/2020 ; I can provide an exact amount if you need it. 

Your help is appreciated,
Complaint sub-issue: Account status incorrect

XXXX XXXX # XXXX is reporting lates I do not have. My account was garnished at the time and there should not be any lates on it.
Complaint sub-issue: Information belongs to someone else

I check my FICO score through XXXX  XXXX XXXX frequently. 
Last month my FICO score was XXXX. 
Last night, XXXX 2020 my fico score was XXXX. 
This XXXX point drop alarmed me. 

I called XXXX  XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 Equifax, XXXX, XXXX  credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries. 

On XXXX 2020 I called each agency, representatives suggested calling the other agencies to find answers. 
Each agency said they did not see two social security numbers. 

Summary : NO EXPLAINATION for XXXX drop was given. Please explain why? 
Credit reporting bureau did not see two separate SSN. Please explain why? 

Still no answers. 

NOTE : My most recent activity was opening a XXXX  Credit Card. This was done in Early XX/XX/2020. However, my credit report at the end of XX/XX/2020 was still XXXX. Why was there a dramatic drop in XXXX with no late payments, no hard inquiries? Why is there an additional unidentified social security number?
Complaint sub-issue: Their investigation did not fix an error on your report

This investigation is not right it has to violate some type of law. They have disregarded a police report that was sent out to them. They are not following human law. They are completely not caring or giving any insight into how it is even possible for this account to be on my report. This account is not right. I HAVE DISPUTED THIS ACCOUNT MORE THEN THREE TIMES WITH A POLICE REPORT THEY TOLD ME THAT THE ACCOUNT WOULD BE REMOVED BUT THEY NEVER EVER REMOVED IT. Its been more then to long for a fraudulent account to be on my report. If I dispute account as fraud it should be removed then a reinvestigation should take place. This is totally wrong why are y'all doing this to a loyal client it is FRAUD it is FRAUD it is FRAUD. I have attached a police report for the 4th Time this is not my account. Proof of my id & police report attached.
Complaint sub-issue: Was not notified of investigation status or results

To Whom It May Concern, You are breaking the law! 
On XX/XX/2022 I disputed the following account on my consumer report with all three consumer reporting agencies, XXXX, Equifax, and XXXX. 
XXXX XXXX XXXX Account number XXXX On XX/XX/2022 I received a letter from XXXX with the results of the investigation which came back that this account was inaccurate and it was deleted from my consumer report. Pursuant to 15usc 1681i ( A ) 5 ( D ) any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such reporting agencies. By law each reporting agency is required to uphold the same accuracy. 
On XX/XX/2022 I received an email from Equifax stating that a new collection account was added to my Equifax report. This was the same account that was already deleted by XXXX and XXXX XXXX XXXX XXXX Account number- XXXX Also, Pursuant to 15usc 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report in accordance with written instructions to whom it relates. I never gave any written consent for this account to be furnished on my consumer report. Therefore, you had no permissible purpose to have this on my report which is also a violation of my rights. I demand this inaccurate account be deleted from my consumer report at once! 
XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Equifax is reporting a dismissed bk that I have already sent an FTC report previously and said it had been verified I contact the bankruptcy court they said they dont report to credit bureaus which I attached a letter so I dont know where Equifax got this information from. They are in violation of placing inaccuracies on my consumer report and have cause a lot of damage and distress.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I'm a victim of Identify theft someone has used me personal information to get a Phone from XXXX. I never had a Phone with XXXX during the time I was in XXXX. XXXX  and Equifax is reporting a collection account for XXXX XXXX. 

Thank you
Complaint sub-issue: Confusing or misleading advertising about the credit card

XXXX : CITI PREMIER CARD ending in XXXX The benefits promoted before enrollment sound great. Honoring a claim, not so much. The trip cancellation benefit is promoted as giving refund if one can not take the trip due to sickness. What is not made clkeare is that, effectively, there is NO coverage in most cases. To wit : My reply from XXXX XXXX of XXXX XXXX says " any incident/event that occurred prior to the trip being booked are not covered ''. That makes NO COVERAGE the likely result of a claim. 

I feel that this is a SCAM. I would never have taken the card for this purpose has I known there was such a NARROW definition of coverage. I tried to read the " small print '' and did not pick up on this language. 

I submit that the promotion and method of dealing with claims results in false advertising, misleading advertising and scam. I would expect no less from CITI BANK but was not aware of this problem at the time. I believe that XXXX and XXXX XXXX are willfully bilking the public and request whatever powers you may have to stop this SCAM and reimburse me as advertised
Complaint sub-issue: Debt is not yours

EOS CCA has placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Complaint sub-issue: Personal information incorrect

Equifax is reporting an incorrect address on my credit report. I have no association with XXXX XXXX XXXX XXXX, XXXX, IL XXXX. On XX/XX/2019 I reach out to Equifax by Certified mail requesting for this address to be deleted from my file. As of today this is still showing on my credit report. Per the FCRA unverified information is not allowed to be reported on my credit report.
Complaint sub-issue: Account status incorrect

I explicitly declined a hard inquiry to my credit report when setting up XXXX satellite service ( via recorded line telephone on XX/XX/2017 ). XXXX stated they could pull a soft inquiry, and I agreed. Upon checking my report, I see they did in fact pull a hard inquiry, which is negatively affecting my Equifax credit score. Since I explicitly declined a hard inquiry because I knew it would impact my credit, I am asking the CFPB to be my advocate with the XXXX multimedia conglomerate,  who is not responsive, or set-up to handle these types of corrections.
Complaint sub-issue: Problem with fees

This complaint stems from simply switching one credit card for another at the PNC bank XXXX, MI branch. I requested my old account stay active to preserve my stellar payment history of over 30 years and to cancel auto-pay AFTER the last purchases were paid. PNC cancelled the auto -pay prematurely and as a result, I incurred the fees and interest reflecting non-payment. This was evident after returning from a extended vacation. After on going discussions about this matter with several different employees, it was XXXX XXXX of PNC who stipulated that the fees would stand and I was to blame for stopping auto-pay. Accordingly, I severed all ties with PNC after 30 years as a customer and withdrew my {$29000.00} savings and cancelled the new credit card and declared I will never, ever pay those fees and interest for as long as I live. I believe a third party agency like the CFPB and others should be made aware of this banks practices in that a simple mistake can be made and can not be corrected at the cost of a consumers credit rating and financial standing and reputation ( in my case an XXXX rating or more ). Most of this issue took place in XX/XX/2018 with me terminating my accounts on XX/XX/2018.
Complaint sub-issue: Account information incorrect

I have a private student loan with XXXX XXXX XXXX ( XXXX ),  which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX  of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.
Complaint sub-issue: Information belongs to someone else

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The DISCOVERBANK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


DISCOVERBANK XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have been paying my student loans monthly under the IBR plan for 7 years. When I certified my loans with my employers, a new provider, XXXX XXXX, took over my account. They have only given me credit for about 2 and a half years of payments. 

When I call they tell me my file is under review, but that I have been paying for about 7 years. They claim it will take 3 months to finalize the process and correct my account. I call monthly and no progress has been made since XX/XX/2017 ( 15 months ). They give me the same line every time. I am always very courteous on the phone as are most of the customer service reps.
Complaint sub-issue: Other problem

I graduated XX/XX/XXXX and was told I'd get my security deposit of {$500.00} back within 2-3 business days. I did not receive it so I contacted customer service and was told I had to wait a full 30 days to give postal the " proper time '' to deliver my check. They confirmed my shipping address. 

I waited a full 30 days ( and then some ), and I contacted customer service again on XXXX through the chat feature and was told they would resend. I also called on XX/XX/XXXX. They told me they would re-send the deposit and that I should receive it soon. Yet again, I did not receive it and I contacted customer service again on XX/XX/XXXX ( another full 30 days and more ) and was told AGAIN that I had to wait another full 30 days for my deposit before requesting for another check. I am extremely frustrated as my security deposit of {$500.00} has not come back after I was very timely on all of my payments. I should not have to wait 2 months to receive a security deposit and when asked for them to investigate, they said I had to wait another 30 days...
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and XXXX XXXX XXXX has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a hard inquiry on my Equifax report from XXXX XXXX that was done on XX/XX/2019 that I did not do nor did I approve of. I contacted Equifax to dispute the inquiry but they told me to contact XXXX however the number provided for XXXX was not in service. I told Equifax it's fraud and would like it investigated and removed, their response was for me to contact XXXX and/or ger a police report.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX i believe it was reporting in error.
Complaint sub-issue: Received bad information about your loan

Hello, This concerns XXXX and my loans with that company. I have been paying on them for years but went into grad school so have had them in deferment for a year. 
I tried to log in a few months ago and the website said that my login information didn't work, that there were changes being made and issues with the site, and to wait. I couldn't log in for weeks. 

I tried to log in yesterday and it looks like XXXX has been changed to XXXX. My log in information does not work, and my social security # is not recognized at all. 

I called ALL numbers provided on the site for assistance, and my loans are nowhere to be found and there is no history of me being a client/borrower by using both my social security number and my mom 's ( who originally it was under ), and both of our birth dates. 

I am extremely concerned that my loans are with another company accruing interest and penalties for late payments and i have received NO notifications from XXXX about this change or what to do. The last email I received from them was XX/XX/2017 when I requested a pin number for a password change. 

I'm not even sure if these loans are private or federal and if theyre from my XXXX XXXX University XXXX or my 1 year at XXXX University. Please help.
Complaint sub-issue: Problem accessing account

In his XX/XX/XXXX letter, XXXX XXXX stated : " Over the next few months we will be introducing enhancements to improve how we communicate with our clients. These enhancements will include a new Mobile Messaging feature and an enhanced XXXX Chat experience. As part of that plan, we have disabled the send a new message option on Citibank Online effective XX/XX/XXXX. Please visit Citis contact us page for other contact options. We are working to continuously improve the Citibank online experience and will be reintroducing a new way to message with us in the near future. We apologize for any inconvenience this has caused you. '' Citibank will be reintroducing a new way to message in the near future. When is the " near future. '' What is the specific DATE that Citibank will be reintroducing a new way to message?
Complaint sub-issue: Information belongs to someone else

MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute with the credit card company in question regarding a purchase of a defective product. Credit card company supposedly investigated my issue in 2 days. I am not satisfied with the outcome of their investigation and requested and appeal to the decision. The bank in question is refusing to reopen the investigation so I can appeal their decision.
Complaint sub-issue: Reporting company used your report improperly

Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!
Complaint sub-issue: Threatened to sue you for very old debt

My name is XXXX XXXX XXXX. I would like to submit a complaint about a lawsuit against me from Discover credit card company regarding a fraudulent amount of {$2500.00} dollars. The actual amount that I owed is {$1000.00} dollars, not {$2500.00}. I called Discover credit card company to make payment arrangements for the original actual amount of {$1000.00}, but they made some excuse for not to lower the amount. If they allowed me to explain further I wouldve explained to them is the reason I stopped paying was due to the fact that I had to quit my job to take care of my grandma. Initially my mother was taking care of my grandma until my mom got XXXX. After her XXXX my mother was no longer able to take care of my grandma, so I had to step up and help out.
Complaint sub-issue: Personal information incorrect

On XX/XX/2022, I sent off letters to Equifax, XXXX, and XXXX to remove inaccurate personal information that doesn't belong on my credit report. FCRA 15 U.S.C. 1681 states I have the right to privacy, accuracy, and fairness. Also, 15 U.S.C. 6802 states that a financial institution may not share my information to third party people. These are clear violations of my federally protected consumer rights. 

Below are my tracking numbers as well as the inaccurate names, addresses and employers information on my report. Please see the correct current name, addresses that are to be reported. 


Tracking Number XXXX Tracking Number XXXX Tracking Number XXXX Correct spelling of my name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX  Incorrect XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Incorrect Employers : XXXX XXXX XXXX and XXXX XXXX  XXXX & XXXX.
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 confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX opened : XXXX XXXX {$2800.00} XXXX XXXX opened : XXXX XXXX {$110.00} XXXX XXXX XXXX  opened : XX/XX/2018 {$3100.00} 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Keep getting calls about my loan

I am constantly being billed for a little over XXXX from a private loan company. I attended school for 17 days and I never received a transcript or credit transfer before they closed the school to students without days notice. I did not receive any money from this loan nor an education from this school. All money was dispersed to the school.
Complaint sub-issue: Information is missing that should be on the report

This dispute is in regards to a XXXX XXXX XXXXXXXX account that is currently reporting on my credit report. 
I am disputing the fact that Equifax is reporting on my credit report that the last payment made on the XXXX XXXX XXXXXXXX account was done on XX/XX/XXXX. THIS IS FALSE. 
ON my equifax credit report it says that in XXXX of XXXX I was 120 days delinquent on this account but there is no payment information after that for the periods of XX/XX/XXXX to XX/XX/XXXX. IF they had the payment information for XX/XX/XXXX to XX/XX/XXXX then they would clearly see that this account never went into a charged off status. 
According to the FAIR CREDIT REPORTING ACT if an account is incomplete then the credit bureau should delete this item from the credit report. There is no account payment information for the period of XX/XX/XXXX to XX/XX/XXXX and there is no account payment information for the period of XX/XX/XXXX and now. This means that the account is incomplete and according to the Fair Credit Reporting Act should be deleted from my credit report. On the credit report it states that it is a paid charged off but this information is not reflected in the account and payment info section of the credit report.