Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

When talking to XXXX XXXX XXXX XXXX ( my student loan service provider ), they tell me I can not apply any over payments towards principal until my capitalized interest is paid. They also said that the interest compounds daily, which means it accrues approximately at {$130.00} a month ( give or take some dollars because some of the loans have variable rates ). I have a couple of problems. 1. No one who assists you with the loan application when you are applying makes any statements about the ability of the loan to compound daily. ( this would be the only loan available that I am aware of that does this, and the only one where you are not explicitly informed of this possibility occurring ) 2. If I am not allowed to apply over payments towards principal, this would also be the only loan that I am aware of that you can not pay down the principal with extra payments. I have been on an income driven repayment program. This past year I was only required to make {$85.00} a month payment. ( When I set up the auto-payment earlier this year, no-one mentioned that the interest accrues at {$130.00} a month. ) When I set up my auto pay, I wanted to start dropping the principal, so I elected to pay more, {$170.00} a month. I also elected to have the extra applied towards principal soooooo the interest accruing is less because I am knocking down the principal with almost {$100.00} extra a month. Now I learn as I am about to reapply for my income driven repayment program that I am " not allowed to pay down the principal ''. It all does not seem quite legal and the information provided when applying for the loan as well as setting up auto pay is inadequate and surely seems to violate consumer protection laws. I figure I would start here.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently asked my cousin to take me off as an authorized user on his XXXX XXXX card. All was fine until I recently got an update on my XXXX XXXX showing creditor companies saying I am still on the account. I called XXXX XXXX as Did my cousin and XXXX XXXX had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX
Complaint sub-issue: Problem getting my free annual report

I am unable to obtain my free Equifax credit report or score at all online. Equifax will not provide the report and I have no score data from them either. When I request my free credit report at XXXX, a message says that Equifax is unable to provide it and that I must send in documentation to prove my right to see my report. They want multiple hardcopies of personal identity documents in order to release my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, Equifax and XXXX. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit  bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
Complaint sub-issue: Account status incorrect

The credit report shows a balance of {$250.00} that was already paid in full.
Complaint sub-issue: Didn't receive terms that were advertised

Hello, On XX/XX/XXXX, I opened a citibank checking account using the promotion code : XXXX The terms are : Open a new Checking account and Citi Savings account in Citi Bank Account Package by XX/XX/2018. Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$15000.00} or more in New-to-Citibank Funds into the new eligible checking account and/or the new eligible savings account. The remaining balance requirement may be deposited into either the eligible Checking Account or eligible Citi Savings Account. A minimum balance of {$15000.00} must be maintained for 60 consecutive calendar days following the date when the {$15000.00} deposit was made ( minimum balance ). 
On XX/XX/XXXX ( the 30th day ), I decided I would drive to the nearest branch and deposit the remaining funds to the nearest branch in XXXX, CT. Before making such a long drive, I decided to call to make sure that the deposit would still count towards the promotion. I called at XXXX XXXX and was told that the deposit would still meet the requirements if I made the deposit that day. Therefore, I decided that it a {$400.00} promotion was worth 3 hours of driving and roughly {$25.00} in gas. I made the drive and at XXXX XXXX deposited {$8000.00} in cash to the teller at XXXX XXXX. This brought our balance to {$15000.00}, over the required {$15000.00} deposit within the required timeframe of the promotion.. 

However, now I am being told that I did not meet the deposit within the required timeframe because the deposit was made on a Saturday and Saturday deposits are not counted till the following business day and that therefore I will not be receiving the bonus. This is frustrating, because I was assured on the phone, the day I made the deposit, that it would meet the requirements. No where on the original promotion did it say that weekend deposits do not count till the following business day. 

I have escalated my case twice via the phone with citibank representatives. On XX/XX/XXXX I received an electronic communication saying that I do not meet the requirements because I did not meet the deposit in the required time frame. On XX/XX/XXXX I tried to appeal the decision again, by mailing a letter and a copy of my phone bill indicating that I had spoke to a citibank representative prior to making the deposit. I received no response to this letter, and when I called to check on it in early XX/XX/XXXX no one seemed to have seen the letter. I was given a fax number instead. So on XX/XX/XXXX I faxed the same letter and phone bill showing that I made a call that day prior to the fax and indicating in my letter that I made the deposit on the 30th day even though they did not count the deposit till the following Monday. I called on XX/XX/XXXX and it was as if this letter was never received. 

I appreciate your assistance.
Complaint sub-issue: Account status incorrect

My Bill From XXXX was under negotiation. The final Bill was not clear and not agreeable. Without any update the Bill was handed over to MRS BPO LLC collection company. I told then to stop calling and wanted to talk to XXXX but they kept calling and harassing me. Now there is a derogatory remark on my credit report and I am being shuttled between XXXX XXXX and MRS BPO LLC for making attempts to amend it.
Complaint sub-issue: Trouble with how payments are being handled

In XX/XX/XXXX I sent in the paperwork to have my employment certified as an eligible employer for the XXXX. On XXXX XXXX, XXXX Fedloan sent me a letter saying they could not certify my employment since my employer had not listed my start date in section 3. They stated my employer needed to call Fedloan and provide the missing information. My employer, specifically our district clerk XXXX XXXX, called and spoke to Fedloan. On XX/XX/XXXX they sent me a letter totaling the payments that I had made that would count towards XXXX. This letter did not count the most recent year on any of my loans. It just stated the number of payments I had previously made. It did not add any payments for the loans they had acquired after I consolidated my other loans. I did not change jobs so there should have been no reason to not certify the new year 's employment. On XX/XX/XXXX they sent me a letter saying they needed additional time to determine if my employment qualified. On XX/XX/XXXX they once again sent me a letter totaling eligible payments, but still not adding the payments for the last year and not including any payments made on the loans they acquired after my consolidation a year earlier. 

I received no further communication from Fedloan so I resubmitted the form in XXXX of XXXX. Fedloan sent a letter on XXXX XXXX, XXXX saying they had the application but needed time to determine if my employment qualified. Again, I was and still am, employed buy a XXXX  school, XXXX XXXX  qualified. On the XXXX they sent me a letter saying they needed more time to determine if my employment qualified. I did not receive an answer after this so I sent the form in again in XXXX of XXXX. On XX/XX/XXXX they said we have your application. They were reviewing the application to determine if employment qualifies. Now, at the end of XXXX I still have not gotten the certification of employment, they have not communicated about the number of qualifying payments. When I called and asked what was the delay I was told " it's the government, it takes a while to get an answer.
Complaint sub-issue: Information is not mine

I am a victim of identity theft. I have submitted to the credit bureaus and the loan companies alike that my identity has been stolen and used to take out fraudulent loans. I have been successful in removing XXXX of those loans from my credit report ( prosper ). The lending club continue to insist the loan belongs to be despite me sending information to the company and the credit bureaus my victim report, identity theft affidavit, proof of identity and even documentation from the bank proving that the monies went to a fraudulent account. Despite all this, Equifax is the only credit bureau who continue to report this on my credit report. This company has not protected me as a consumer.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged {$7500.00} on XX/XX/2020 by XXXX XXXX XXXX XXXX. The charge appeared on my Citibank World Elite Mastercard. The Merchant could not deliver the product that was purchased and agreed to initiate a refund. I never received the merchant initiated refund so I initiated a dispute through Citibank 's online portal. 
Citibank 's portal reported an error during the dispute process ( CITI002 error ). I contacted Citibank customer Service through both their chat app and by phone. Each attempt to reverse this charge ended up with Citibank service people unable to help. They reported various reasons- " system upgrade '', " Inability to see data '', and " need for additional information from their system ''. A total of 8 customer service people were contacted- 4 of those resulted in disconnected calls, 3 of them resulted in handing off the problem to someone else and one said to call back " later ''. I spent a total of 2-1/2 hours trying to get someone to help.

I am trying to get this charge rightfully refunded as the goods were never delivered.
Complaint sub-issue: Investigation took more than 30 days

I've been disputing inaccurate information on my Equifax report since XXXX. I've sent in certified mail, previous CFPB compliants, FTC reports, and police reports. Nothing works with this company. Every time I call I'm placed on hold for various lengths, the calls are routed outside of the USA, and the rep on the phone can't find my documents, are just tells me to send them again and wait 30-60 day. I'll attached documents along with this complaint and the previous complaints numbers that went ignored. Please someone assist me in resolving the issues I'm having. XXXX  and XXXX both have been very helpful, and I assume Equifax would following the same guidelines in removing the disputed information, but they must have something on file or abide by different rules. 

Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 I have read that under the FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I accessed my free annual credit report and discovered that Equifax was reporting an auto loan that my husband and I have with XXXX XXXX XXXX XXXX XXXX ( XXXX ) as CLOSED with last payment XX/XX/XXXX. This account is currently open, with an excellent payment history, last payment XX/XX/XXXX. I filed an online dispute with Equifax on XX/XX/XXXX and on XX/XX/XXXX I received a communication from Equifax in the mail dated XX/XX/XXXX confirmation # XXXX ( copy attached ). This communication stated that a reinvestigation of the XXXX account was researched and the creditor verified the information in the communication which included no account balance and last payment date of XX/XX/XXXX. 

On XX/XX/XXXX I spoke with XXXX in Member Services and XXXX in Special Accounts at XXXX ( XXXX ). In response to my dispute with Equifax, on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX XXXX provided Equifax with documentation that the auto loan remained OPEN, in good standing with current monthly payments. It is noteworthy that for 84 months XXXX XXXX XXXX XXXX XXXX has provided Equifax with documentation of an open account in good standing, current monthly payments and balance information and Equifax has failed to report this information since XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

There were fraudulent accounts listed on my credit report and they were removed earlier this year. I just received notice that they Added them back on my account and wouldn't remove the accounts that were already deemed fraudulent.
Complaint sub-issue: Debt is not yours

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown accounts on my credit report. It has been over 35 days later and I have yet to receive a response. I feel that I am being taken advantage of and ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts become deleted or I will file litigation due to the stress you caused me. 
My information was also impacted by the XXXX XXXX data breach. Where the names and Social Security numbers of alumni and applicants have been exposed after someone gained unauthorized access to an employees email account.
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 719tXXXX 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 XXXXXXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Some time around XXXX of 2018 I was sent a letter in the mail from a company called XXXX stating that I could qualify for student loan forgiveness. Being how paying off my loans has been a huge struggle for me ( as I do not make as much money in my career and have a lot of necessary bills ), I called the number on the letter just to get more information about it and see if it was something I should look into. I called and spoke to a man named XXXX XXXX. He stated that he would calculate all of my monthly payments and see if he can get my payments down to XXXX/month. I was told my loans would be consolidated and then transferred to a different company ( from XXXX XXXX to Fedloan ). I then gave him all of my monthly payments in which he calculated them. Afterward, he ensured several times repeatedly that my monthly payments would be XXXX and that I qualified based off of my monthly bill calculations. I was told I will have these XXXX dollar payments for 20 years but still have the loan debt on my record, then my loans would be forgiven and wiped away after the 20 years as long as I reapplied on time each year. I do recall him seeming pushy and wanting to sign me up right away. I told him this is something I needed to think about, do some research and discuss with my boyfriend. He then stated there was a deadline and I would need to sign up for it now/asap or I will not have that opportunity anymore. I did hang up without committing to anything just yet and over the next month I asked as many further questions as I could through e-mail, a few more phone calls to XXXX and through discussion with my boyfriend. I remember asking how this would affect my credit, and also asked if I had any other opportunities come my way if I would be able to make a change or if this was a definite commitment ( I remember him kind of laughing and then I was then told " I will never receive an opportunity as good as a XXXX dollar monthly payment '' ). Everything then looked and sounded legit so I decided to sign up for it. I made a " one-time '' payment via credit card of XXXX in which I have proof of on XX/XX/18. I also do have saved e-mails for documentation with him and a few other members of the party : XXXX XXXX, XXXX XXXX and XXXX XXXX. When I went to reapply this year I put in all of my honest information regarding my family size, etc.. and thought it was odd when it said it did not match up with what I put in previously. I then received a XXXX/mo increase from XXXX for my payment with Fedloan and suspected there was a mistake. I then called Fedloan to look into it and fight the pay increase ( given what I was told previously ) just to find out that I was lied to from the beginning, had money stolen from me and that my information was falsely entered by the XXXX company against my knowledge just so that I can see the XXXX dollar payment. I was then given the FTC website to file complaint and receive refund.
Complaint sub-issue: Account information incorrect

The amounts are not correct loans were closed and sold and no validation of the loans are being provided as requested. Charges are tripled from orginal debt.