Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX I purchased a refrigerator and I qualified for {$6000.00} no interest for 24 months credit card that I'd be able to utilize anywhere. The refrigerator insurance was for 3 years and it broke down on XX/XX/XXXX and was replaced on XX/XX/XXXX. According to the policy, the company was supposed to replace the refrigerator in a quick manner, which was not respected, we were without a refrigerator for 50 days. The insurance covered {$280.00} for the food that spoiled in the refrigerator. By XX/XX/XXXX the account balance had gone up to {$10000.00} and they had already cancelled my card. I kept calling the company but they wouldn't answer my calls. On XX/XX/XXXX they answered me and the representative I spoke to said that if I made a {$1000.00} payment my account would go back to it's rightful amount of about {$5000.00}. Therefore, I made a {$1000.00} payment and my balance is still {$7000.00} and requesting a {$840.00} deferred payment. Amongst all this, I had been making my regular minimum payments of {$120.00} up until XX/XX/XXXX.
Complaint sub-issue: Need information about your loan balance or loan terms

Dear CFPB : I am writing to make a complaint about my loan servicer, Missouri Higher Education Loan Authority ( MOHELA ). Quite simply, I am trying to obtain my loan history dating back to my direct consolidation in XXXX. But MOHELA has been unable or unwilling to provide this information. Thus, I would appreciate your assistance in prompting MOHELA to provide this information. 

Here is a summary of the facts : On XX/XX/XXXX, I submitted a request through MOHELA 's secure message system for all my payments since XXXX. 

The next day, MOHELA replied with an attachment that it claimed was " the financial activity from XX/XX/XXXX through XX/XX/XXXX. '' But it wasn't ; rather, MOHELA sent me an attachment that -- quite strangely -- only covered XX/XX/XXXX to XX/XX/XXXX. Even stranger, the attachment was titled, " Payment History Before Mohela [ sic ]. '' Again, it wasn't. Further, MOHELA indicated they would send a separate message with the payment history from XX/XX/XXXX to the present. 

The same day, XX/XX/XXXX, I replied to MOHELA, explaining that their attachment didn't cover the timeline specified. 

On XX/XX/XXXX, MOHELA responded with the second part of their message. MOHELA write in part, " We apologize for any confusion or frustration this matter may have caused. The attached document lists the payments made during time prior to your loans being serviced by MOHELA. '' This was unresponsive. I was asking for the period from the date I consolidated the loans ( XX/XX/XXXX ) to the present. I don't understand why MOHELA kept reverting back to wanting to provide my payment history before my loans were serviced by MOHELA. No matter, the attachment that MOHELA provided this time was unopenable. 

So on XX/XX/XXXX, I sent MOHELA yet another message simply trying to get the same information. In my e-mail, I wrote in part, " I could not open your attachment. When I tried, it gave the error message " could not open ... because it is either not a supported file type or because the file has been damaged ( for example, it was sent as an email attachment and wasn't correctly decoded. '' Can you please either make the corrections and resent it as a secure message attachment or simply print and mail it. 

From this most recent experience with MOHELA 's customer service, I suspect that the company is still struggling with low service employees, low tech systems, and poor management.
Complaint sub-issue: Account information incorrect

I Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. Discover acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. XXXX XXXX Acct num XXXX reporting {$15000.00} should be {$0.00}
Complaint sub-issue: Application denied

On Monday, XXXX XX/XX/2020, I applied for a US Bank Reserve Line of Credit. 
With the knowledge that my credit was reported with a XXXX balance, I hoped to get approved within a few days. However, the interactive voice system told me that I was denied credit, and a few days later, I got a letter explaining that the reason I was denied credit was because they were unable to verify my identity. 
I have spent a little over a year disputing with all three credit bureaus, as well as the previous creditors, to update my legal name on file.
Complaint sub-issue: Impersonated an attorney or official

This was a call from a debt collector agency, left a vmail on my office phone. They pretend to be calling from XXXX XXXX XXXX with a delivery and they need to verify the address. HOWEVER they are Hewitt Capital. 
This company Hewitt Capital LLC, has been calling office threatening me. A representative of the company calling himself XXXX at a XXXX phone said he tried to deliver me a summons to my home but was unable to deliver. He would not provide any information other than the sender of this mystery package is H.C & Associates ; another acronym for Hewitt Capital. He was extremely rude and pretended to transfer the call to another department, however he actually hung up. I tried to call back several times, to which there was no answer. He refused to provide me any documentation or information on the summons they are delivering to me. I informed XXXX, I am not permitted to take personal calls at work and to stop harassing me I was not going to deal with them and hung up. They have continued to call my office and leaving voice mails on multiple mail boxes that they are going to issue me papers for summons, none of the voice mail boxes are private so they are sharing private information with staff at my work. 

Desired Settlement : Stop the harassment and provide me with all documentation for me to research if I truly have this debt they claim as the company they claim I owed is not licensed to issue loans in Virginia and Hewitt is not licensed as a bill collector in Virginia.
Complaint sub-issue: Information belongs to someone else

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
I submitted my documents on XX/XX/2021.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Late Payment XXXX XXXX XXXX, XXXX Unverified Late Payment * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
Complaint sub-issue: Problem using a debit or ATM card

I opened my account with US bank at XXXX XXXX XXXX XXXX XXXX, Ca XXXX on XX/XX/2018. When I opened the account I had XXXX XXXX oops me out of overdraft protection. Any transactions made and there was not enough money to cover the purchase in the account the transactions would be declined. Once the bank seen a had a direct deposit someone started manipulating the account causing overdraft fees. I made a cash deposit of {$76.00} using the ATM at this particular bank and the money has disappeared. The money has been missing unaccounted for-for 6 days as of today with no resolution.
Complaint sub-issue: Information is missing that should be on the report

ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623 , subsection (  8  ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection (  7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have 2 account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX SELF-REPORTED XXXX Balance : {$17.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

I graduated XXXX school in XX/XX/XXXXand finished residency in XX/XX/XXXX. My student loans came due before I finished so I had to consolidate because otherwise our monthly cash flow would be unsustainable. The original amount was ~ {$110000.00} and the interest rate was ~6 % which was the weighted average of the interest rates of all the individual loans I initially signed. I signed up for auto pay and received a slightly lower interest rate ( 5.75 % ) and a {$4000.00} onetime bonus. At that time, the holder of the loans was XXXX XXXX ( I believe ) who then sold it to XXXX  who held them for about 12 years. The consolidated payment was $ XXXX/month but I began paying {$770.00} in an effort to reduce the principal. More recently, XXXX sold the loans to Nelnet and my first monthly statement from them showed my minimum monthly payment was {$770.00}. This alarmed me because I wanted to insure that the extra $ XXXX/month was credited to the principal to keep paying it down. I called Nelnet about the change and was reassured that the actual monthly payment due was still {$660.00} and that my extra payment was going to the principal. Just today however, I contacted a lender about refinancing one of my houses and during the information gathering, he told me ( while looking online at my credit score, loans and other financial obligations ) that the Nelnet loans ( I was unaware that there were actually 2 loans since I have only been making 1 payment the entire time ) had an interest rate of 7.4 %!! None of my individual, original loans had an interest rate this high! I've been making steady payments for over 15 years and have never missed a payment. I realize that amortization loans have high upfront interest payments but my outstanding balance of {$74000.00} still seems like an enormous amount given the fact that I've been making $ 101/month extra principal payments for over 5 years. I'm so upset and feel like I've been cheated by XXXX or Nelnet and didn't know where else to turn. The lender with whom I was speaking told me about CFPB so I'm reaching out to see if I can get clarity on this issue. I want to believe in organizational integrity and the general honor of mankind so I hope this is just a misunderstanding on my part. My fear is that my payment of {$770.00} was adopted by Nelnet as the minimum amount and that the interest rate was altered to extrapolate that over the term. Any clarity on these matters would be so welcome and would really bring peace to my heart.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM A VICTIM OF IDENTITY THEFT!!! 

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 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 XXXXXX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Other problem getting your report or credit score

I finally got a call back from Ms XXXX with Equifax and she stated the collections I inquired about where deleted. She stated I should have received an email telling me that and offering me a way to look at my file. I never received an email. I went to myequifax.com and it told me to " please give us a call. We cant complete your request at this time. Please call Customer Care team at XXXX ''. When I called, they told me to go to the website. Wow, I am dizzy. Last week I was told I would receive a paper copy in the mail in 10 days. I CANT WAIT 10 DAYS! Why is this so difficult? Why cant I pull a bureau on line to be sure it is clear?
Complaint sub-issue: Public record information inaccurate

I disputed the inquiries online with XXXX and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from XXXX. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

I mailed letters to all 3 credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.
Complaint sub-issue: Account status incorrect

Equifax is reporting my childsupport case as a collection acct for the past 4 years ... this is incorrect... I was under a court ordered income deduction from the state of Florida ... childsupport came out automatically ... I have filed several disputes trying to get this corrected, but they keep telling me the acct has been verified as accurate ... AND THAT IS IMPOSSIBLE BECAUSE I WAS UNDER A COURT ORDRED INCOME DEDUCTION.CHILDSUPPORT PAYMENTS CAME OUT EVERY WEEK ON TIME!
Complaint sub-issue: Public record

There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Account information incorrect

Rate shopping within a certain time frame is improperly reflected as multiple hard inquiries. 
I do not recognize all of these hard inquiries.
Complaint sub-issue: Deposits and withdrawals

I am a new customer of Bank of the West. It took over a month just to open after moving because they kept closing the branch and I ended up driving XXXX miles to XXXX XXXX from XXXX just to avoid going with XXXX XXXX XXXXXXXX. 

XXXX I couldn't get mobile banking to accept a check deposit so I had to deposit in my old XXXX Florida account I hope to be able to close in XXXX when my XXXX direct deposit is changed. I then deposited a check from my own XXXX account to my Bank of the West which it did accept after a couple of tries. Problem is there has been an unreasonable hold placed on my deposit. I was told by customer service when I called there is nothing she could do once the transaction has decided to place a hold. I find again the old excuse of blaming a computer without offing any human assistance. This check is from myself and only for {$100.00}. 

I am XXXX years old and about to have my XXXX insufficient funds since I was XXXX costing me more money and ruining my XXXX credit purchss that takes directly from bank. 

The XXXX issue is XXXX and XXXX XXXX being allowed in the name of voice verification. For XXXX years I have had to argue with every customer service rep I have ever had about who I am. Bank of the West wouldn't even allow me to open via online like they do other people. I shouldn't have to go into private XXXX details about medical conditions that affect my voice like XXXX  and XXXX. I can accept needing to make XXXX correction but XXXX times and still being called the wrong pronoun when my birth certificate says male? This constant arguing affects my physical health and emotional wellbeing and it must end. 

What is worse is my check has cleared XXXX but Bank of the West is still holding my money and I need to get my cat to an unexpected vet visit with the other half of the {$100.00} I deposited.
Complaint sub-issue: Information belongs to someone else

In XXXX I was a victim of fraud and the XXXX Security Breach and I have been disputing items on my Equifax and XXXX credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with Equifax they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with Equifax and XXXX. As of today XX/XX/XXXX my credit score with XXXX is a XXXX and Equifax is a XXXX. My credit score is up and down as it pertains to Equifax and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. Equifax is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with Equifax they drop my score instead of completing the updates in which they were instructed to do.