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

Transferred from XXXX to Mohela XX/XX/XXXX. Never received any communication or initiation of contact from Mohela. Incomplete transfer of payment history and other information as of XX/XX/XXXX. I had to beg Mohela for payment history and they treated me as if they were doing me a favor by providing info. 

My PSLF applications have not yet processed through Mohela or updated counts despite being submitted spring XXXX. Agents, Managers and Supervisors unable to explain why my applications have not processed after 8 months. I have been told to be patient since XXXX XXXX. Ive had to resubmit my XXXX Loan Forgiveness application 3 times because of bad instructions and information from Mohela personnel. On XX/XX/XXXX, Mohela agent stated I would disqualify myself from PSLF if also applying for TLF. Spreading inaccurate information and completely misrepresenting the basics of COVID Waiver. Making loan holders jump through hoops, agonize and stress over possibility of jeopardizing their opportunity for financial security, making corrections to and having to resubmit applications because of Mohelas mistakes and holding up the forgiveness process in general. Im sure many have just given up. It is exhausting and discouraging spending so much time and energy with not even the bare minimum of regard or support from loan servicers. Many agents are condescending and rude when answering questions they are being paid to answer. This entire experience and process has been appalling.
Complaint sub-issue: Debt is not yours

I have been getting almost daily calls from Auto Trakk , LLC for someone who is not me. The calls started when I got a new number approximately XXXX of XXXX. After a few calls and speaking to a supervisor, I stopped receiving calls XX/XX/XXXX ; however, the calls have started again. I received phone calls on XX/XX/XXXX and XX/XX/XXXX. I returned the call on XX/XX/XXXX leaving a voicemail notifying them again that they had the wrong person and I was not who they were trying to contact. 
I received another call on XXXX where I spoke to an employee and told them I was not the person they were looking for and to please stop calling. Employee stated they would not call again. 
I received another call on XXXX, where again I notified them I was not the correct person and to stop calling my number. Employee again apologized and stated they would not call. 
I received another call on XXXX, where I asked to speak to a Supervisor. This supervisor stated he would make sure the calls stopped. 
Since speaking to a Supervisor, I have received calls on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Complaint sub-issue: Trouble with how payments are being handled

I have been paying additional amounts on my monthly payments in order to reduce the principal. I have just found from dealing with the company that additional amounts I have been paying since XX/XX/2012 have not been applied to principal. Instead the company have been holding the funds for future payments in a " paid ahead '' status. 

Basically holding my money and indefinitely pushing it forward in time to future payments instead of applying it to principal. This is a problem because I am paying the money now to reduce the principal on which I am paying interest. But they are not applying it to the principal, so they have my money, have not reduced my principal and are still changing me interest on the full amount. 

I had NO IDEA this was happening. I have been paying a lot more each month to reduce principal and apparently they have just been holding my funds. 

As of today, after speaking with a rep, they said they have taken off the " paid ahead '' status on my account. :
Complaint sub-issue: Account status incorrect

To Whom It May Concern, I have been disputing the closed student loans on my Equifax reports for roughly 6 months. I have provided payment histories, copies of contracts, disposition of accrual of interest on loans, letter from the educational institution, XXXXXXXX XXXX XXXX  University, loan verification letter used to obtain mortgages, and copies of all information listed on my loan servicers online account for me regarding all information relating to any student loans that are or were being serviced by said servicer. 
I have sent the same information regarding these accounts to all three credit bureaus. The most recent correspondence from Equifax reflects a perfect payment history ( zero late payments ) but states that my accounts were past due when the consolidation loan I was granted closed the previous loans on XX/XX/2018. According to Equifax, the loan servicer reported to them that my loans were not in fact past due at all because the reported pay history reported by the servicer is perfect. 
I am asking you to please consider looking into this matter. I have sent enormous amounts of information/proof to all the credit bureaus. The only bureaus to agree with me and my findings are XXXX and XXXX. Please review the attached documents. I am more than happy to send you copies of all additional information that I have sent, upon your request. 
Please do not hesitate to contact me with any questions or additional information. 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am in the process of buying a house and today XXXX/XXXX/21 the agent I am working with ran my credit and told me that i would not be approved for a home loan at this time due to an account reflecting badly on my credit report. The account is from this company ; XXXX XXXX XXXX. I do not have any contract or agreement with that company and I am not responsible for that account. I also noticed this address on my report which I have never lived at. XXXX XXXX XXXX XXXX CA XXXX. I don't know why this account and address are on my credit report but I have already filed a police report in hopes of getting this resolved so I can finally buy a home.
Complaint sub-issue: Having problems with customer service

In the XX/XX/2015, CFPB opened an investigation into why student borrowers are falling off their income based re-payment plans. They found that more than half of borrowers were failing to re-certify by the yearly deadline and submitted inquires with the major loan servicers ( XXXX XXXX, XXXX, XXXX, PHEAA/FedLoan ) as to the potential cause. I would like to share my recent experience with FedLoan Servicing. This past XXXX, my checking account was suddenly over-drafted with a {$3500.00} charge from FedLoan ( XXXX times my monthly payment ). After calling FedLoan to determine the cause, I was told that I had failed to re-certify my loan. I questioned when I had been notified. They responded that they had sent me electronic communication a couple months prior. In short, this resulted in my interest being capitalized ( now costing me additionally ~ {$2500.00} a year ) and I was placed on standard repayment. I quickly re-certified, but was told I could not be re-started on income-based payments for another month due to " processing time '' so I was required to make another {$3500.00} payment the following month. I contacted FedLoan again saying I could not afford this payment. They offered forbearance but said my interest would be capitalized again. I submitted a complaint with the federal US Department of Ed Ombudsman and the FedLoan servicer Ombudsman of insufficient notification and requested the capitalization be reversed. They claimed the electronic notification was enough. Despite there being no phone calls or paper notification to my home address. I have since canceled online notifications, I now get an e-mail every couple weeks to " sign up for our electronic notifications '' by FedLoans " to be green. '' Obviously that previously did not work out in my favor. I submit my story to help CFPB and others understand the barriers to re-certification : ( 1 ) Electronic notification is pushed hard by the loan servicers ( 2 ) They send e-mails but then require you to log in to a secure database to read their messages ( 3 ) They send messages monthly about payments coming due making a change in loan status harder to identify in the sea of e-mails ( 4 ) They do not phone or send a supplemental paper letter if a substantial change is about to occur to your account. Unfortunately, missing one e-mail will now cost me {$2500.00} a year in interest on my interest.
Complaint sub-issue: Frequent or repeated calls

On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to Enhanced Recovery Company , LLC, XXXX. XXXX XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The first payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, ERC called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, passport, utility bill and cover letter and they continue to inaccurately report this account on my credit report. I demand that they remove this fraudulent account from my credit report. The company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. Account : XXXX XXXX XXXX XXXX
Complaint sub-issue: Sued w/o proper notification of suit

Aqua finance, XXXX XXXX XXXX and there investment banks are still harassing us. We sent numerous complaints to your office through the U.S. Mail and also online. Just recently we started receiving responses from Aqua but for what ever reason we could n't see what Aqua had wrote and we used different computer devices but nothing would show. We started writing your department because our complaint would n't go through when we hit submit at the end our when Aqua replied, the system for whatever reason would n't allow us to dispute. This is another tactic by Aqua using there influence to manipulate the situation. Why would we submit a complaint of harassment as many times as we have and not follow up on them makes no sense! Aqua is getting caught in all types of lies. Aqua stated that financial systems XXXX are no longer working on our account, they just admitted to another lie. If your department pulls out all the information that we sent you, there is a correspondence print out that displays conversations between Aqua, the XXXX and ourselves. Aqua clearly stated on the correspondent that they Do n't Have Anyone Working On Our Account so with there on words they are caught in a XXXX and yes we have copies plural of that correspondence print out and we can always send your department another copy! Aqua wo n't even address the conversation involving the print out, they only address the pictures thinking they can explain there work vehicles constantly being around us XXXX following us XXXX. Aqua in there arrogance has forgotten that they told the XXXX that they do n't have any representatives in our region, once again another lie! If your department reviews our complaints and the evidence that we have sent you, this a clear case of felony harassment. Aqua also told the XXXX that they do n't deal in real eastate or mortgages and that they never have and they never will. Well I guess I can see the future, because if your department checks there web sit you will see that Aqua is in real estate, mortgages, car loans, business loans and even personal loans. In my opinion this makes them a much stronger company to harass people because they a lot of influence. We can send your department another print out of there conversation with the XXXX that proves that they are liars and are very crooked companies. Ever since we have been sending your office complaints, it has yeilded significant results, we have also sent the Texas ago at least XXXX written complaints over the last 4yrs. We appreciate all your help and if this has to go to court your departments wo n't be forgotten when talk to the media. A lot of lives have been ruined by these thugs and it 's time to, bring them and there collegues to justice. No one is above the law, we do n't care how much money or influence you have!
Complaint sub-issue: Was not notified of investigation status or results

This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.
Complaint sub-issue: Didn't receive advertised or promotional terms

Hello, I applied for a new discover card on XX/XX/XXXX in hopes of doing a balance transfer. I have notice of the promotion giving me until XX/XX/XXXX, to take advantage of the balance transfer. Once I created my account, I tried to initiate the balance transfer on XX/XX/XXXX. A discover representative told me that my offer had expired on XX/XX/XXXX and there was nothing they could do to honor the date I was originally provided. Discover provided me with false information and also gave me an unreasonable timeline for me to complete my balance transfer. In addition, between my account application date of XXXX, I was never notified via email that my balance transfer promotion was going to expire. Also, I was not able to complete an online account until I received my card in the mail. I did not receive my card until XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a follow up complaint to the original complaint filed with the ( CFPB ) on XX/XX/XXXX. My issue has still not been resolved with Equifax. I have filed 8 disputes on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and Equifax is still reporting false and inaccurate information on my consumer report. 
Equifax has not verified information with The Department of Education or XXXX because if so my consumer report would reflect and update accurate information. 
I've called The Department of Education and was told that Equifax has not called them to verify any information about my account and that they would not send another update unless information was not correct so I'm concerned that a investigation has not been completed since The Department of Education has not been contacted. Updated credit information from The Department of Education was sent to all three credit bureaus on XX/XX/XXXX to remove Department of Education account from consumer reports and Equifax has denied receiving update. 
Equifax has not contacted XXXX to verify any information or completed an investigation because if so Equifax would not be reporting pays as agreed to an account that I'm in forbearance with until XX/XX/XXXX and have not made any payments to them so this information is false and incorrect. 
I've sent letters from The Department of Education and XXXX to Equifax stating this information and they have still refused to update files but have agents telling me to call The Department of Education and XXXX to update files with correct information. I've called both companies and was told that Equifax would have to call and verify the information with them and Equifax refuses to do so. 
If the Department of Education would send an update to Equifax to remove from consumer file as XXXX and XXXX have I would greatly appreciate. 
If XXXX would send Equifax an update to remove from consumer report until forbearance period is over and I start making payments so that false information reporting would be removed. I'm confused on how Equifax is verifying and conducting investigations if they are not contacting the creditors to see if information is accurate that they Equifax are reporting while closing out disputes as completed without an accurate resolution.
Complaint sub-issue: Debt is not yours

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$730.00} {$730.00} Payment Info Original balance {$730.00} Balance {$730.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments Affected by natural or declared disaster Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I got a call from this company and I answered. No response. I call again and some talks to me about some loan I took out. I deny. He gives out my address talking about how they sent correspondence. They haven't. They say they will continue to call me. I never took out some loan with themXXXX is their number.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a 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 710XXXX XXXX has me at a score around 592. 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 meXX/XX/XXXXand stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
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. 

XXXX XXXX : Account # XXXX, XXXX  XXXX  XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem with personal statement of dispute

Around the end of XXXX- XXXX of XXXX, I contacted Home Depot Credit Services for resolution to defaulted account with a balance of around {$700.00} at the time. I was effected by job loss and covid displacement and informed I was entitled to programs which would help for each circumstance and phase out this bill and keep from collections and negative reporting of my credit. I was informed after forgiveness of late fees associated with the account was granted and the new balance was {$420.00}. I was told this is where the covid relief plan implemented that day would take of this and the account would be closed and no longer usable. For over a year I never received any info the account was active, at one point the account was removed and closed with {$0.00} balance on my credit report before XX/XX/XXXX where it now shows as a collection of {$800.00}. I spoke to Home Depot and they have record by voice recording of these proceedings but " have no way of forwarding this to me or the collection agency and it is out of their hands. '' Citi bank states to have had the collection for over a year but never sent out any correspondence when the account was sold the same month I had it resolved. Being told " it's too late '' to do anything should be against the law, the representative of their company should be held accountable not my credit. I have been unable to secure housing based on the negative effects of this on my report.