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

Finally got information from XXXX in regards to deferment policy through this forum. They stated in-school deferment periods for XXXX studies and XXXX studies. According to their policy, I still have in-school deferment time for XXXX studies. FIRSTMARK SERVICES was servicing my loan while I was enrolled in XXXX  studies in 2020. FIRSTMARK SERVICES decided to put my loans in repayment at the same time I was enrolled in 2020. I have not exceeded 4 years of XXXX  studies. Labeling my loan as Delinquent was done in error and they wrongfully charged off the loan. Furthermore, XXXX nor Firstmark NEVER made me aware of their deferment policy. None of the paperwork I received or signed states a specified time period of deferment. I was only informed that as long as I was in school studying, that my loans would be in deferment. I was never warned of a deferment cut-off. It is unreasonable and unethical to hold me accountable for a policy that I was never made aware of. Plus, FIRSTMARK SERVICES refusal to admit fault in wrongfully placing my loan in repayment is unprincipled. My loan should not be in collections. 

The Attached document will show highlighted section that states time period for in-school deferment while pursuing XXXX  studies. It will also show that the company only gave me deferment for XXXX studies.
Complaint sub-issue: Information belongs to someone else

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX,
Complaint sub-issue: Received bad information about my loan

Dear sir or madam : I am writing you to complain and ask for your assistance regarding my current student loan servicer : Mohela. My federal student loans have been serviced by Mohela since approximately XX/XX/XXXX. I have renewed my application for IBR every year and on time. I have made every payment on time. I am a federal employee and I will be seeking Public Service Loan Forgiveness after 10 years XXXX/120 on-time payments. 

This year, I did not receive my taxes back from my accountant until XXXX/XXXX/XXXX. Mohela posted a link on my account 's webpage stating that I would have to renew my IBR plan before it expired and that to do so in a timely fashion, I would have to submit the documents by XXXX/XXXX/XXXX. Thinking that I would have to submit my taxes by upload to Mohela like previous years, I went to do so on XXXX/XXXX/XXXX. The link on my account was broken. I sent Mohela an email on XXXX/XXXX/XXXX, after waiting to see if the link was fixed. Mohela replied to me on XXXX/XXXX/XXXX, that I would be unable to submit my documents like I had done for the last 3 years and would need to do so through studentloans.gov. This website requires me to get a PIN and identity verification that can take from 1-3 days. ( I would also like to point out that the link still remains on my Mohela account profile stating to " click to renew my IBR plan since it is expiring '', but that the link redirects back to my " account home '' and does NOT provide any information about how to actually renew my IBR. I *only* found out how to do so by calling them today XXXX/XXXX/XXXX. ) While I am totally comfortable with submitting my current taxes through XXXX, I am complaining because AT NO TIME did Mohela inform me that I would have to submit my renewal in a different manner that would require me to wait an additional 1-3 days. Today is already XXXX/XXXX/XXXX. My concern is that because of Mohela 's failure to inform me about the new manner of renewing my plan, I will be very close to the XXXX/XXXX/XXXX deadline to renew my student loans. I keep track of all of my finances, including my student loans, like a hawk. This is cutting it too close for me and I fear that due to some unforeseen circumstance I will be unable to submit the documents by the deadline. 

I have had problems with Mohela before including their failure to notify customers of any changes or differences in their loan or their repayment renewal process. I had previously called Mohela in XXXX just to check on my loans and they told m that I would not have to submit the renewal paperwork until XX/XX/XXXX. I only knew that I had to submit the renewal documents on XXXX/XXXX/XXXX because I am very vigilant about my loans and taxes. I do not trust Mohela to be fair regarding their loans and I suspect that these repeated instances of misinformation are to get students to " miss out '' on Income-driven repayment plans and/or Public Service Loan Forgiveness.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act the below company has violated my rights. 

Company : XXXX XXXX ACCT # : XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

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

After inspecting my consumers report and coming across the company on my report I contacted the company. I even try to come to an agreement for a pay-to-delete, and they told me " They can not delete from my credit ''. By law they can not add to my report, but found a way to do so. I have received numerous phone calls and written letters from this company. I tried to work with them, but they continue to refuse to remove this account from report.
Complaint sub-issue: Old information reappears or never goes away

I check my credit report on XX/XX/XXXX, and I noticed that Equifax is reporting current information that is two years old. Two years ago  XXXX XXXX XXXX XXXX ( Company Bureau ID XXXX ) reported An auto loan delinquent on XX/XX/XXXX, because I decided that I couldn't continued to recover the cost of a vehicle in repairs that was worth XXXX at purchased and finance for XXXX with warranty that would not cover the repairs of {$3000.00} after only having the vehicle for eight months and spending {$3000.00} in repair cost I could not afford the repairs and with a warrant that I purchase with the vehicle that didn't cover the cost. The problem is that between XXXX XXXX XXXX XXXX and the credit bureau, this delinquent keeping showing up on my report as current or recent delinquent, which continues to worsen my credit score. Equifax has reported this delinquent for XX/XX/XXXX and XX/XX/XXXX as current which is not correct. This delinquent happen XX/XX/XXXX. I would appreciate if you could help me resolve this matter. I am a retired military veteran and I try to maintain a good credit score, but sometimes things happen. Thank You!
Complaint sub-issue: Debt is not yours

I noticed this collection on my credit reports. I tried to contact them regarding proof of debt because I have no knowledge of this account and I don't use this service provider.
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke with customer service manager at Midland Mortgage regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by Midland. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.
Complaint sub-issue: Didn't receive enough information to verify debt

I opened an account with Best Buy at their urging to get a rebate. When I tried to claim the rebate, it was not available. They apparently checked a box that said they could neither call or mail me about a balance due. I received no invoice on the account and thought it was paid in full. I closed the account on XX/XX/2019. On XX/XX/2019, I received a letter demanding payment of an account that was 159 days past due despite having never received an invoice. They advised they sent me an email saying I could go to the Best Buy Visa Citi website to view my bill. I never received this. They told me my {$3500.00} bill was now {$4200.00} and they could waive only one month of late fees. Or, I could compromise the bill with {$2100.00} and they would report to the credit bureau I could not pay my bills. I told them I would pay the full amount for the invoice but not late fees as I did not receive an invoice. They said that was not an option. They also said to call me I would have to agree to have my cell phone number used for their partner sales calls as well. So, Best Buy committed fraud with the rebate offer which was fraudulent and Citi VISA in not providing me a bill and then offering as an option either a bad credit report or an high late charge ( {$700.00} ). Neither is an acceptable option.
Complaint sub-issue: Didn't receive enough information to verify debt

CREDITOR IS NOT ORIGINAL ACCOUNT GRANTOR, DISPUTED TWICE BEFORE ASKING FOR ORIGINAL RELATIONSHIP DOCUMENTS BEARING THE CORRECT GPS LOCATION DATA VALIDATING THE DEBT WAS LEGALLY OBTAINED. I RECEIVED NO COMPLIANCE, I THAN ASKED CREDITOR TO PROVIDE ME WITH THE METHOD OF VERIFICATION USED TO INVESTIGATE THIS CLEARLY INACCURATE DISPUTE? ALL I ASKED FOR WAS THE ( CONSUMER CONTRACT BEARING MY WET SIGNATURE ) TO VALIDATE THIS ALLEGED DEBT BELONGS TO ME AND I STILL HAVE NOT RECEIVED ANY COMPLIANCE WITH THIS COLLECTOR. Please have collector provide ORIGINAL DOCUMENTS AND statements stating the debt belongs to me, the debt was sold, or the debt was purchased. FDCPA legal time frame STATES YOU MUST inform me WITH A NOTICE ( 5 days ) OF YOUR ORINGINAL PURCHASE DATE, ABOUT THE PURCHASE OF THE DEBT. Please provide original relation documents betwen original creditor or remove this from my account for it is a violation of the FDCPA to try to collect on debt that you not verify as correct or true, If you claim to have verified this account and claim to have sent the formal notice of obtaining the debt than please send original copies of documents sent or remove this my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX & Account # XXXX XXXX have 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.
Complaint sub-issue: Debt is not yours

Hunter Warfield ( XXXX XXXX XXXX XXXX, XXXX FL, XXXX ) wrote a letter to me indicating that they are collecting a debt on behalf of XXXX XXXX XXXX in the amount of {$330.00}. XXXX XXXX XXXX is an apartment complex based in XXXX XXXX, Texas. 

I called Hunter Warfield and asked what info do they have linking me to this account to which they supplied my Name, Date of Birth, and Social Security Number which is off by a digit from mine. Therefore, this fradulent charge is not related to me. However, they still proceeded to report this to the 3 credit Bureaus, which has negatively affected my score. 

I relayed to Hunter Warfield that this is fraud as I have only resided in California. I filed and supplied Hunter Warfield with 1. a police report from XXXX Police Department indicating that this is Fraud 2. a copy of my Driver 's License. 

Right now, Hunter Warfield is insisting that I need to supply more information to remove this from my file. Please assist to help me fix this fraudulent claim. 

Further, Hunter Warfield should validate all information before claiming to collect a debt that is not assigned to me.
Complaint sub-issue: Company closed your account

I've been a customer of PNC Bank for years. I have never in my entire human life had an issue with a bank. PNC bank first charged me 2 or so months in fees while I was attending the death of my brother whom comitted XXXX in XX/XX/2019 in XXXX. We barely had any phone functionality. We have barely any power for the entire country. It made it impossible to call PNC, even though I would try to remote into my desktop at home ( USA ) it was unreliable. I come back in XXXX and talked to PNC on 6 occasions about the fees since my brother comitted XXXX and I was not here they said no problem we will refund you. That was a lie. About 17 hours later on the phone in the 2.5 months since XXXX I have been met with lies, and more lies. I stopped by a local branch in XXXX MD, and spoke to the branch assistant manager who said we are so sorry, she stated she wrote a report to the back office, and that this will be cleared out and that the fees will be taken off, and my account will be in great standing. She said give it about 10 days. She also stated shes never seen anyone have any issues after she submits a report. Its been 1 month now and I received numerous calls from PNC who stated they are attempting to collect a debt. I was caught off guard. She stated she saw no notes about what I mentioned. She stated she will talk to her supervisor and contact me back. I never heard back. They also disabled my online access, and removed ALL my statements - which I need for my taxes. They said I can send them a check in the mail for each statement I request. This is INSANTIY.

The account closure happened while our entire Country is dealing with a global health crisis - COVID-19. How dare a bank take  advantage of this. MY WIFE WAS IN THE HOSPITAL FOR THIS AND I GET CALLS DURING COVID 19 TO PAY SOMETHING I WAS TOLD I WOULD BE REFUNDED?
Complaint sub-issue: Can't use card to make purchases

I would like to file a complaint against the Citi Bank regarding my Citi Premier Credit Card. 
- In XX/XX/2022, I used my credit card to buy an international flight ticket online. My transaction was declined. I missed the chance to buy that ticket and had to use another bank 's credit card to buy a more expensive ticket. 
- In XX/XX/2022, I called Citi Bank 's customer service to request unlocking my credit card. 
* They asked me to provide my phone number to verify, I did. They could not verify it ( although it was the phone number I was calling them ) * They asked me to provide another phone number to verify, I did provide my husband 's number. They could not verify although my husband phone was still on. 
* They asked me to provide another phone number such as one of my relatives or friends. I could not because no reason to bother. 
* I asked them if they could use my registered email ID to verify. They said they could not use email. 
* They said that they would mail me a code to call them again to unlock my card. 
- In XX/XX/2022, I paid off my balance of {$1400.00}. The transaction was processed. 
- In XX/XX/2022, I called them again to let them know that I had not received any mails for the Code and requested them to unlock my card. 
*They asked me if I had a mailbox. Of course I did *They asked me if I checked my mailbox time by time. Of course I checked it everyday. 
*They told me that they would mail another letter and asked me to wait for another 5-7 business days. 
*I asked them to expedite the mail ; They said that regular mail was the only option. 

I understand that they may use models to detect potential frauds and the models may have false positives. However, it was unbelievable that it took so long and complicated for them to solve just such a simple issue to serve customers. They offered customers bonus points if spending at least {$4000.00} in the first 3 months, but locked the card for 2-3 weeks for their models ' false positive.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


-- OTHER ACCOUNT -- 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Complaint sub-issue: Received bad information about your loan

I am repaying my loans under th e Public Service Loan Forgiveness  program and was trying to get information from my lender on which plan would offer me the lowest monthly payments while still qualifying for PSLF.     In  XXXX , I was told by a Fedloan Servicing representative that my best option would be to go on a standard repayment plan, rather than an income-driven plan. I was told my monthly payments would be {$570.00} and that those payments would qualify for PSLF.     When I received the terms of my new plan, the monthly payment was {$960.00} and the payments will not count toward  PSLF be cause I was placed on  a 128-month repay ment plan instead of a  120-month  repayment plan.     I contacted the company and they said they would attempt to resolve the issue withi n 10-14 da ys. However, even in the best-case scenario, in which I receive the {$570.00} payment initially promised, I will have to make the higher payment of {$960.00} in  XXXX     2017 an d that payment will not qualify for PSLF.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I ordered an item from XXXX. I was charged {$140.00} on XX/XX/XXXX. The estimated shipping time would have the item arriving at my residence on XX/XX/XXXX. 

On XX/XX/XXXX I received an email notifying me my item had been delivered to my address. I checked the mailbox, there was no such item there. No package had been left on my front porch, nor was any package on the back porch, and the next door neighbors hadn't received anything in my name. 

I contacted XXXX to notify them of the missing package on XX/XX/XXXX. They told me they would investigate the issue to determine the package 's status. On XX/XX/XXXX, XXXX sent me an email which stated " the tracking number shows the item was delivered, this case is now closed ''. At that point I disputed the charge with Discover and provided the pertinent information to them. 

On XX/XX/10 I was notified by Discover that they had reversed the charge-back and sided with the merchant, and Discover requested I provide them with information supporting my claim. I called Discover on XX/XX/10 and asked them what information I could provide regarding an item that had never arrived at my residence. They were not able to give me an answer because there is no way someone can prove they didn't receive something. 

Subsequent phone calls to XXXX to try to get further help from them, the merchant, have gone nowhere, as XXXX has been unable to find my order information during follow up conversations. It's like XXXX lost all record of the transaction after I submitted the dispute.
Complaint sub-issue: Used obscene, profane, or other abusive language

The debt collection agency ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX is trying to collect a debt from collection company for the same amount each.. XXXX the amount of {$550.00}
Complaint sub-issue: Received bad information about your loan

The basis for my dispute is XXXX XXXX '' XXXX balance of {$0.00} was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX/XXXX/XXXX, furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, failed to send the 60-day notice described in the above section entitled 60-Day Notice of Intent to Report to Credit Bureau ; filed for a review of the debt. See 31 U.S.C. 3711 ( e ) ( 1 ) ( D ) for all Federal Student Loans. 

Also, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve & Office of Management and Budget ( OMB ) OMB Circular No. A-129 Revised, Policies for Federal Credit Programs and Non-tax Receivables XXXX XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There seems to be an inquiry on my credit report from XXXX XXXX in XX/XX/2018. 
I did not consent to this. 
I tried to call them several times and their phones are always down or there is no one available. I want this off of my credit report.