Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Don't agree with fees charged

I returned to college in XXXX. I attended XXXX XXXX XXXX part time on an XXXX while also working full time. I was married and had XXXX daughters. In XXXX, I had completed all the XXXX college had to offer and transferred to the University XXXX XXXX. I received XXXX to attend the university that covered my tuition. Student loans covered XXXX school tuition, books and living expenses. 

I graduated, XXXX, with a XXXX in XXXX XXXX. I was offered a job at the XXXX where I had done my XXXX that would begin in late XXXX. Then, on XXXX XXXX, XXXX Hurricane XXXX struck, with the eye passing directly over my home in XXXX. In a weekend, our lives changed drastically. I moved XXXX to live with my mother and got a job with XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. During the first three years of working, my student loan payments became erratic in the XXXX months because I was not always able to find temporary employment. During this time, I used up all my deferment and forbearance periods I was entitled to. By XXXX, I was fully employed throughout the entire year and was paying all loans regularly. In XXXX all of my loans were consolidated and the principal amount was approximately {$28000.00}. 
In the last 10 years I have tried to apply for several loan forgiveness programs but have never been eligible because of the dates of my loans. XXXX programs forgive loan balances after five years XXXX. I worked in XXXX my entire career. During my 22 years working XXXX and indirectly affected thousands more through my work XXXX Another loan forgiveness program is for public service employees. It forgives loan balances after paying on time for XXXX consecutive months. I have paid on time for XXXX consecutive months. When I recently inquired about loan forgiveness I was told I am not eligible for forgiveness because of the dates of my loans. I have already paid {$50000.00} for the {$20000.00} I borrowed. I do not understand why there can not be the same forgiveness for my loans as there is for those who do meet the date requirements. Aside from the dates, I meet all other eligibility requirements. 
The interest rate on my loans is 8 %. It is continuous compound so interest accumulates every day on the unpaid balance. 
I feel like I have been a responsible borrower, paying regularly every month. With the current situation I will pay these loans off in XXXX and will have spent approximately {$85000.00} to pay the loans back. Can you help me?
Complaint sub-issue: Information belongs to someone else

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, i also spoken with XXXX on XX/XX/XXXX about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX,. I did not authorize any of these inquiries. I am requesting that all above unauthorized inquiries be removed immediately from my Equifax credit report due to my identity been stolen. I have attached my FTC report as well.
Complaint sub-issue: Debt was paid

I opened a secured credit card in XXXX with Discover bank that went into default. The bank closed the account in XXXX and later sent me a XXXX. In XXXX I included the XXXX in my tax filings to the IRS. Discover continue to report the account as " Failure to Pay '' every month with the last report being on XX/XX/XXXX. I have called and asked them to allow me to settle to debt so they would stop reporting it monthly to the credit bureaus and I was told that is not an option. The IRS rules that a XXXX is a debt cancellation and in the case of ( XXXX XXXX, XXXX XXXX XXXX ) from Chief Judge XXXX XXXX XXXX of the U.S. Bankruptcy Court for the XXXX District of Iowa agrees that a creditor can not continue to collect on a debt after the issuing the debt cancellation notice.
Complaint sub-issue: Reporting company used your report improperly

1 ] in accordance with the Fair Credit Reporting act, XXXX  XXXX Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXXXXXX XXXX XXXXXXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report. 

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX # XXXX has violated my rights by placing misinformation on my credit report. 

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply. 


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: Frequent or repeated calls

I originally borrowed {$800.00} from this website, and I paid back half of the Loan when I fell into a financial hardship. That is the main debt on my credit report currently, and it shows up as Plaza Services with a balance of {$1100.00}, I set up a payment plan with the guy that contacted me who happened to be an attorney, and agreed to pay {$75.00} every pay check. I had to switch cards because the one I had on file had been lost. I completely forgot about the arrangement but the voicemails Ive received from the same person keeps threatening legal action & whatnot. I can agree to pay the balance off when I get my income tax refund, but I dont appreciate the threats on my voicemail and repeated calls. I work full time from XXXX and have to be on the phone all day myself and cant answer calls during business hours,
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to gain access to my Equifax report and score since XX/XX/2020 TO NO AVAIL! I've called, I've emailed, I've fax numerous times, I've sent regular mail - everything that they asked for. I've sent copies my Driver 's License, my SSN card, my voter 's registration card and a utility bill. They should have this information in their office at least 8 times - sent the variuos ways I've mentioned. 

If they are using an old email XXXX to contact me I will never get it bc I no longer have access to that email. I have informed them of this - what feels like XXXX times. My current email is XXXX. 

Please, please, please, please, please tell them to fix this immediately as I have proven who I am countless times. 

This is my XXXX complaint on this. There are attachments in the other complaint.
Complaint sub-issue: Threatened to take legal action

This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that Discover XXXX , XXXX , XXXX , XXXX , XXXX XXXX XXXX , XXXX. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when Discover has known that XXXX XXXX XXXX has been communicating with them since the summer of 2014??? 
A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within Discover sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that Discover is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of Discover and XXXX, XXXX ... 
I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by Discover, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how Discover and XXXX XXXX have treated me over these last several months. 
I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ XXXX , XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? 
I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in Christ and HE will fight my battles for me!!!
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/ sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

I have recently looked over my credit report and realized some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi Priority checking and savings account on XX/XX/2021. They were supposed to deposit {$700.00} after 90 days of maintaining a minimum balance of {$50000.00}, which I did. They give themselves an additional 90 days to make that deposit. It is now XX/XX/2021 and I have never received their advertised bonus despite meeting all requirements and having called numerous times. I would like them to pay the bonus plus interest.
Complaint sub-issue: Account status incorrect

Loan orginated in XX/XX/XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by Bank Popular in XX/XX/XXXX via letter from their XXXX XXXX Headquarters that the balance was due in full XX/XX/XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XX/XX/XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX.  They are reporting to the credit bureaus that Foreclosure was started. I live in XXXX. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( XXXX XXXX ). I verified that no filing ever occurred. I filed a claim with XXXX and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with XXXX again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I made at least 5 payments of over 200 dollars to XXXX  and then paid the smaller amount for 2 years. I never missed a payment. This was supposed to last for 10 years. My income went down and randomly they decided to make my payment 150 times more than it was supposed to be. I couldn't afford it and they put my loans in default as well as gave me no credit for anything that I had paid towards.
Complaint sub-issue: Their investigation did not fix an error on your report

To who this may concern, I am writing to express my concerns with the conduct of XXXX, Equifax, and XXXX. In XX/XX/2021, I noticed that some unauthorized information was being furnished on my consumer report without my permission and equally as importantly without my knowledge. After studying federal consumer rights and the many laws that govern them extensively, I became aware of the blatant violations of my consumer rights. Shortly after the discovery of the violations, I sent a number of dispute letters requesting or even demanding that the above credit reporting agencies, removed this information because it was affecting my ability to obtain various means of credit that I know undoubtedly could improve my family 's livelihood and financial stability. Each time they would state that information was already investigated and they didn't have to repeat an investigation or that it was just verified. But never offering any verifiable proof that this actual transaction or encounter took place. My question is who gave these Credit Reporting Agencies the authority to determine independently that the word of a third party was more important than the actual consumers. By law, consumer reporting agencies are supposed to investigate all information prior to even furnishing any of it on the consumer 's report. Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the consumer never gave them any instructions to do any such thing. One of the most recent documents I sent to each of the credit reporting agencies was a notarized Affidavit of Truth. In which I demanded they have a Senior Executive Representative create an Affidavit and address it to me, where it states I granted them permission to furnish my report ( see attached ). They sent me a generic response which is not an acceptable response ( attached ). An Affidavit has to be rebutted by an Affidavit " line by line ''. They failed to do so to that. I can't stress enough how unfair this is to me as the consumer. I am highly disappointed but not surprised. They are clearly undermining me as the consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XX/XX/XXXX 2 ] XXXX XXXX   XX/XX/XXXX 3 ] XXXX XX/XX/XXXX 4 ] XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXX XXXX XX/XX/XXXX 7 ] XXXX  XXXX XX/XX/XXXX 8 ] XXXX XXXX XX/XX/XXXX 9 ] XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

In XX/XX/2019 I disputed a Charge Off reporting on my Equifax Report with inaccurate information. The account has been closed for years and is still reporting with a monthly payment and past due balance which is not accurate. There should not be any past due balance or monthly payment if the account was closed and charged off. I sent Equifax a letter regarding this matter in XXXX and requested them to Delete the information off the report and requested a updated copy of my Credit Report, and I never received a response from them. Again this was in XXXX it is now XXXX and all they have done is stop reporting the monthly payment on the account. I never got any notification regarding this change and yet they are still reporting the account inaccurately with a past due balance. Im attatching supporting documentation showing proof.
Complaint sub-issue: Problem with product or service terms changing

I hope I selected the right categories for the situation. I utilized Credit Karma and every week my scores are updated. My XXXX score went up XXXX point last week and out of nowhere it dropped XXXX points. I really don't know if Credit Karma is reporting accurate information. But if you all can provide me an accurate credit score I would really appreciate it.
Complaint sub-issue: Personal information

An address XXXX XXXX XXXX shows up as one of my addresses and I 've never lived here in my life!!!! I want it removed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased shoes on XXXX with my Citibank Simplicity credit card. The shoes were of poor quality and did not match the description and picture from the website. I am an XXXX XXXX  member so attempted to send the shoes back and XXXX refused. This was the first time they have ever refused a return, and they closed the case on me and refused any further contact on the matter. 

I then filled a complaint with Citibank as the purchase was made on the Citibank Simplicity credit card. Citibank opened a case, gave XXXX 1.5 months to reply, and once they did Citibank closed the dispute and reversed and charged me again for the purchase ; not allowing me time to further dispute. Also, the terms of the Citibank Simplicity credit card states 90-day return protection which they did not honor. 
" If You try to return an item within 90 days of purchase and the merchant wont take it back, We may refund You the purchase price up to {$300.00} per item and {$1000.00} per year. '' Citibank clearly is in collusion with XXXX and performing unfair business practices that are harmful to me as a consumer. Please escalate this matter and investigate both Citibank and XXXX for these unfair business practices. I am fully prepared to send back the unused shoes still in the box once it is fully paid for in shipping and specified that purchase refund will be made..
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have a Citicard that is currently in forbearance due to Covid. My credit is good and I call them monthly. Just got email they are decreasing my card limit to amount I owe. This will hurt my credit score will be at 95 % use of card. Card was at XXXX limit. I owe about XXXX. Now they're decreasing card limit to XXXX effectively closing this card for any use. They have horrible customer service even though I've been in good standing over 20 yrs and am a XXXX. They did this to me last year too and harmed my credit. I thought with Covid card companies were supposed to help consumers? No other card company has done this just Citi.
Complaint sub-issue: Debt is not yours

On XX/XX/2020, I went to check my credit report before applying for a new apartment since I was interested in moving to a new location a much larger place for my family and I. when I noticed a collection item on my credit report, I had no idea who the agency was so I tried to contact them, according to ( VANCEHUFFMAN ) the collection agency. I had a balance of {$730.00} I asked what was this balance for they stated they couldn't share the information and they had to send me details by mail, which in turn they stated an address that was not mine by any means. I brought that to their attention and immediately they asked for my current address which I refused to give to someone I don't even know and never the less to someone who can't even validate my name, address, or even ssn. I proceeded to ask them to email me the following proof of the debt owed, a signed contract by me, proof of my identity which I asked for my id, and ssn, and I also asked for proof of address which I already knew they had an address I never lived in. They refused to email me any of the required documents they stated they contact the credit bureaus to have the item removed and it was not removed. This is defamation of character I can not get approved for a home or an apartment due to this matter. I will like this inaccurate item removed from my account immediately.