Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Debt collection is an inappropriate action concerning dispute over rental agreement w/ early termination. There was no language in contract specifying termination conditions ; nonetheless we provided significant compensation and provided plenty of advanced notice. North Carolina law stipulates that property owners must make a good faith effort to rent property, but the company immediately notified us that they wanted to charge us an additional {$1400.00} above the {$5000.00} we offered as an early termination fee due to the fact that I was unemployed, having been laid off by my company. Property management company never followed state law, nor lease agreement attached, in executing a demand we pay {$1400.00} without any attempt to rent the property and before we had vacated premises. Therefore, company had no legal right to forward their unlawful request to a debt collection agency as their had been no extension of credit in this case. Research on our part has found the debt collection agency, Hunter Warfield,  has been cited in numerous complaints around the country for questionable debt collection practices.
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX fraudulent student loans opened under my name when my house got burgularized in XXXX. The student loans were opened in XX/XX/XXXX by Nelnet/education financial. I have the police report and court documents with the person that took my information. I have tried to dispute the account through the credit bureaus several times but they keep coming back saying it has been verified...
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax provided the following companies with my credit report and I did not give anyone permission to pull my credit report. I want this stuff off my credit because I did not ask for anything from these places. Please delete the inquiries for these companies I began to get alerts notifying me that someone was applying for credit using my social security number. I have not applied for nothing. These companies reviewed my credit without my permission -
Complaint sub-issue: Attempted to collect wrong amount

Hunterwarfield has been sending letters that they took over a debt originally with XXXX XXXX for rent North Carolina. I never lived in North Carolina. They are trying to say I rented a home with them and that is not correct because I have proof that I lived in West Virginia and was still working daily in West Virginia when the alleged contract was signed. I have asked several times for verification and have not been provided the information. When I dispute, They remove it from my credit, and then put it back changing the balance from {$1200.00} to {$1200.00}. Making it seem like I have been paying on the debt when I havent because it isnt mine.
Complaint sub-issue: Can't decrease my monthly payments

I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust who has no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is the AES and NCT wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed information that is wrong and reported inaccurate
Complaint sub-issue: Threatened or suggested your credit would be damaged

I requested that the debt collector issue a 1099C ( debt forgiveness due to the financial and emotional issues I am dealing with as a result of COVID 19. The company has not even acknowledged my request.
Complaint sub-issue: Information is missing that should be on the report

While I sought relief under XXXX  XXXX Bankruptcy filed inXX/XX/XXXX and XX/XX/XXXXin XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a citicard and in XX/XX/2021 we had to evacuate for Hurricane Ida. I was spammed somehow in the process of making a hotel reservation and was double charged. Immediately called the hotel and they canceled the reservation. We ended getting our power restored and did not need the hotel. I called and they confirmed both reservations were cancelled with no cancellation fee. I have documentation to prove this. Well The company that initially charged me XXXX XXXX XXXX TX has refused to refund the charge. I have proof that everything was canceled with no fee and have provided that proof. Also have an issue with the fact that Citicard says that I can go view the documents in my statement and notices and there is no document there to explain why I am responsible.
Complaint sub-issue: Information is incorrect

Equifax wrote me stated they are unable to verify my identity. All the right information except the last employer before I was unemployed since 2016 and that employer is not on the Equifax file. They state they are unable to identify but the correct information is in the system. I believe someone is trying to use my information to do something fraudulent.
Complaint sub-issue: Account information incorrect

account refers to XXXX XXXX XXXX. also known as XXXX  XXXX  XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau equifax to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect isXX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore Equifax has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court
Complaint sub-issue: Debt is not yours

Per   XXXX   credit report IC-Collection is maintaining that I owe  XXXX   XXXX   XXXX  my current and landline and Internet provider {$290.00} dating back fro m  2013.  Desp ite my repeated requests for them to provide me with any information regarding this debt they have refused. I do not owe  XXXX   XXXX   XXXX  anything other than my current monthly payment.     I have asked them to correct this information and they have refused.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank has ignored the documents I have sent to support a filed dispute and extended time to the merchant repeatedly past given deadlines.I received correspondence from Citibank on XX/XX/XXXX stating that they reached out to the merchant but had not heard back from them and they had until XX/XX/XXXX to respond, the date of the letter I received. Two weeks later I receive another letter stating that the merchant won't give the credit because they did the work. My original dispute included the information that Citibank requested of a second opinion stating they performed excessive labor to drive up the price and still did not provide the diagnosis of the problem. I provided the proof asked for and XXXX XXXX has yet to give me a diagnosis. They only ever gave a parts list of what needed to be purchased and replaced. The mechanic who fixed the motorcycle stated as much in their invoice. Now I am told they have closed the dispute in the merchants favor. 
Secondly, despite an annual fee of {$500.00} I am denied the right to speak to anyone when I call in for any reason at all. This means when I have questions that must be answered in a timely manner to respond to disputes I am told I must send those questions in writing and wait for a reply when an immediate response is needed from the dispute department. Citibank should be representing me as I pay them {$500.00} annually for their service. Instead I get no personalized service while they defer to the merchants rather than standing up for their clients.
Complaint sub-issue: Personal information

I called my bank to make a loan to build my credit and the bank said that Equifax have my birthday year as XXXX and I was born in XXXX but I 've never done anything with my credit so now things i try to do with my credit I ca n't and Equifax said they dont have any information and not looking into it. I NEED HELP ASAP! Im In the process of getting a car and apartment and ca n't do anything with my credit! I need this fixed ASAP!!
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

I pay more then the current payment Due on my Private Student Loan every month. However, the amount of interest satisfied each month gets higher and at the same time the principal satisfied lower. So, even if I pay more on my loan than is due or more then my normal payment amount, my principle balance does not decrease for that amount. <P/>I have tracked this activity for several years and I am very concerned that my payment is not accurately being applied to principal each month. <P/>I have called the company and they have not been able to answer my questions. I have even been told by a representative that it is " not worth paying extra on your loan '' and that it will not help you pay the loan off earlier.
Complaint sub-issue: Personal information

I got an alert for a new employer listed and I am currently self employed. I need more information and Credit Karma has n't provided anything other than XXXX XXXX, 2017 XXXX XXXX as the new employer which is not me or my employer
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This company has been harassing myself and my family members repeatedly and saying I owe a medical bill of {$800.00} from 2010. This is not on my credit report. They have threatened saying they 're going to bring me to court if I do n't pay them right away. I 've told them to take numbers of my account and they have continued to contact my family.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 ) ( A ) of the FCRA- they are requi red to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Complaint sub-issue: Account status incorrect

XXXX Account XXXX has violated my rights. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 2 : It Also States a Consumer reporting agency can not furnish a account without my written instruction.

15 USC 16668 : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Their investigation did not fix an error on your report

I am formally requesting by the help of the complaint I am submitting to correct the information that the following accounts report in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. But despite the multiple written letters I have been sending to the Credit Bureaus that started from XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done nothing to correct the accounts on my Credit file. Though it tempts me to take legal action, I will be giving the Credit Bureaus one more chance to correct the following accounts : XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$150.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed ; {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX is reporting incorrect information on my reports and needs to be removed immediately and never placed again its reporting balances that are not correct that includes interest rate charges which by law is incorrect! Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.
Complaint sub-issue: Received bad information about your loan

I have been employed as a XXXX  XXXX with XXXX XXXX ( Hawaii ) between XXXX to XXXX, before transferring to the XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX. I am currently employed with XXXX XXXX  XXXX ) and there has been NO break in service. Despite submitting numerous " Employment Certification '' forms, I have been given the run around about my status and eligible payments under the Public Service Loan Forgiveness ( PSLF ) and Temporary Expanded PSLF. I was additionally misled by the company about information regarding loan forgiveness and I am now liable for an excess of {$90000.00} worth of student loans. Basically, I took out additional loans thinking the current payments I was making towards existing loans was going to count towards additional loans I've taken out ( as a XXXX  XXXX ) for higher education. I later found out this was wrong and not only did they not count I had to start from the beginning on the new loans. To add insult to injury, numerous payments between XXXX and TODAY have not counted towards forgiveness, despite there being NO break in service. I've submitted multiple employment certifications which mysteriously seem to not explain that I have been a XXXX  XXXX since XXXX Numerous calls to the company resulted in many different excuses, but as of today I now have been assured my employment certifications check out and are up to date since XXXX. I will be waiting for another excuse as to why certain payments from XXXX to today have NOT counted towards forgiveness due to some mysterious universal force. I also disagree with the method of calculating the payments based on income, as police officers can sometimes have a lot of overtime, which is not guaranteed income.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear Discover Card Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what Discover responded they confirm that this account is accurate. 

Creditor : Discover Card, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XX/XX/XXXX has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I took a payloan check and became unemployed and lost all funds and my bank account was closed, I explain this to them and they would not accept payment arrangement, so they call me every day
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard inquiry on my credit that i didnt allow to be on my credit report. XXXX XXXX  XXXX credit XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

i am a XXXX  this school and i have tried them to set up payment arrangement 's to at least pay a little something to show them that i am trying to catch everything up to standard and i have tried to call them plenty times to let them know what i can pay and i have also informed this school that i am on a fixed income and that i have other financial obligations like purchasing food and other things as well. but when i have tried to talk with someone no one never answered my phone calls and i have even left messages for them to returned my calls but the phone phone calls was not returned. but every since this virus is out here in this world they want me to pay all this money and i would not be amazed at all if they are charging interest due to this virus. no not at all. and that is what all are the companies are doing. these day 's. using this virus as a excuse to over charge the consumers for services that the people and the consumers did not cause. i feel that as consumers should not have to pay for a virus that they did not cause and i feel that they should not be over charged for services and for people that are on a fixed fixed income and struggling to feed their families and loved ones. and there is no work going on right now due to this very deadly virus that is taking the lives of family member 's and loved ones. and keep in mind that this company and all other companies are not the only ones that has to eat and provide for their families and loved ones. and now these companies are using these scare tactic 's to get more money to support their families.
Complaint sub-issue: Didn't receive notice of right to dispute

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021