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

My student loans are paid through XXXX XXXX XXXX. As a XXXX employee ( XXXX XXXX XXXX ), I tracking each of my payments in order per the terms of the Public Service Loan Forgiveness ( PSLF ) program. In XX/XX/XXXX, I submitted my annual PSLF employment certification. XXXX XXXX XXXX sent back acknowledgment of my federal employment status, along with a list of qualifying payments submitted since the beginning of my repayment plan. I noticed several discrepancies including, but not limited to, missing payments for entire months and missing payments for parts of the loans that are consolidated within the entirety of the loan package. I emailed XXXX XXXX XXXX in XX/XX/XXXX to notify them of the inaccuracies and request an updated list of qualifying payments. I did not receive any responses despite subsequent, monthly email and phone follow-ups. In XX/XX/XXXX I called and was told that my request had just begun processing. In XX/XX/XXXX I called again and was told that XXXX XXXX XXXX required more time. In XX/XX/XXXX I emailed again and did not receive any response at all. In XXXX and XX/XX/XXXX, I was told on the phone to continue to be patient. In XX/XX/XXXX, the representative I spoke with on the phone told me there was a backlog and to wait for an update via email - the representative said the longest outstanding request was from XX/XX/XXXX, so my XX/XX/XXXX request needed to wait longer. In XX/XX/XXXX, I emailed again and AGAIN received NO RESPONSE. In XX/XX/XXXX, I emailed and nearly two weeks later, I received a response stating that these reviews " take a great deal of time. '' It has nearly been a year of my patient requests for updates. This is absurd and the worst customer service I have ever experienced. I have gone through my records and can provide accounting of each payment processed with XXXX XXXX XXXX going back nearly 7 years. I have the bank records showing each payment and can provide these if needed. I am completely baffled and appalled as to why it has taken nearly a year to receive a response from this loan holder to a simple request for an updated review of my account. I am tired of dealing with the inconsiderate, and incredibly, sometimes non-responsiveness of this organization. How can I trust an organization to handle the processing of my student loan payments and, hopeful, future student loan forgiveness if they can not process a simple request?
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Was not notified of investigation status or results

I am writing because I been having the same problem with these 3 collection companies and I been telling Equifax and XXXX  that those were fradulant accounts not opened up by me and for those companies to produce documents with my signature on it or who did they speak to, to verify these claims and till this date I have not received anything from them. This is harming my credit and needs to be deleted and updated. I never got into a contract with those companies bullying me for money, I never signed any paperwork with them and they need to remove those fraudulent reports off of my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, XXXX.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1618 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1000.00} XXXX XXXXL XXXX {$1200.00} XXXX XXXX XXXX {$3200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an inaccurate account with Equifax, XXXX and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( Equifax and XXXX ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XX/XX/XXXX and XX/XX/XXXX. I am entitled to a fair and accurate report.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to Equifax, XXXX, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I and my place of employment were directly affected by Covid during XXXX XXXX & XXXX XXXX XXXX. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : - ; US DEPT . OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account information incorrect

In XX/XX/2018 I sent proof that my account had been paid in full before a judgement was taken against me. They have done nothing so I called back today and was told they found the proof I sent but they needed to research some more since they dont know where the money was because it wasnt put towards my account. Said to call back again the next business day. This issue is effecting my ability to get a real estate loan that is in process currently and is delaying me closing.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX, I called Citibank to alert them to five separates charges all at a XXXX in XXXX, CA ( nowhere near my home or business ) on my business checking account totaling {$580.00}. This account is primarily used for automatic deposits from my website and brick and mortar XXXX system. On rare ( perhaps once monthly/bimonthly ) will I use the card to buy gas from my local gas station. 

I spoke to someone on the phone who filed my fraud complaint/charge and on XX/XX/XXXX I was notified that my request for reimbursement had been denied. I called again on XX/XX/XXXX to file an appeal and was told that I would need to FAX or mail in an appeal. Also, that I would need to contact the XXXX convenience store where the fraud occurred to personally ask them how this could have happened and if they could provide me with an account statement showing how the purchase was made. When I noted that barely anyone uses fax machines in XXXX and that I felt like I was being stonewalled, I was given a XXXX XXXX XXXX South Dakota where I could mail in a written appeal. 

As a business owner, I am disappointed and shocked not only that Citibank failed to flag these charges as fraud ( I spotted them while looking through my own statements ), but that they would expect me to contact XXXX to inquire about how/when/by whom this fraud took place. And that I would then have the time and trust in them to read my written appeal from their South Dakota XXXX XXXX XXXX This is not an insignificant amount of money and I refuse to accept their denial of my fraud claim when these charges are 100 % not my own. 

Please help. Thank you so much.
Complaint sub-issue: Problem with fees

While my fianc was helping me get a plan in place to pay off debt, we noticed that my account balance hasn't lowered in over a year. 

This was due to a recurring fee on my Citibank credit card called " Payment Safeguard '' which was charging me about {$94.00} a month going back two years ( which is as far back as my online statements go ). 

After doing a bit of research we saw that Citibank had to refund {$700.00} XXXX to credit card customers for this exact unfair and deceptive practice! 

We called to cancel ( which we did ) but were told we would not be refunded because she said I signed up for the safeguard in 2012, which is simply not true, in fact, that's exactly when they were sneaking these fees onto consumers cards.
Complaint sub-issue: Their investigation did not fix an error on your report

Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 
XXXX  Account # 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 XXXXXXXX, It is my understanding that under the law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Sincerely,
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  keeping my old ( 10 years old ) credit card that was unpaid due my hard time in college. A statute of limitation in Massachusetts Maxing all your dept on credit report up to 6 years General Laws Part III Title V Ch. 260-2.  Please have them remove it because it damaging my score for life and violating my civil financial rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am 90 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this account was ever disputed. that is a violation and this account need to be deleted.
Complaint sub-issue: Problem lowering your monthly payments

The private student loan provid er AES Education will not lower my payment. I have informed them previously that I can not afford the payment amount. They only replied, " Your lender does not offer any other lower repayment schedules. You will remain responsible for repayment of the loan '' They are not willing to work with me. I have other student loans I currently pay on also.
Complaint sub-issue: Information belongs to someone else

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or 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
Complaint sub-issue: Trouble with how payments are handled

I am on an IBR plan. I recently changed jobs ( I am now earning less than before ), and emailed recalculation paperwork to adjust my monthly loan payment relative to my new salary. I sent the paperwork in on XXXX XXXX, XXXX. When I did not receive an email confirmation that my paperwork was received, I sent it two more times : XXXX XXXX and XXXX XXXX. On XXXX XXXX, I called Nelnet to confirm receipt of my paperwork. The Nelnet representative confirmed my paperwork was received on XXXX XXXX and that all information necessary to process the recalculation was in the system. When I asked for a confirmation email that the recalculation would be applied to my XXXX bill ( my payment due date is the XXXX of every month ), I was told that it " probably would be '' but he could not confirm because their paperwork processing department is so backed up and they were still processing paperwork received on XXXX/XXXX/XXXX. ( Note : During my annual renewal process in XXXX of XXXX, I was told by a representative that their paperwork processing time is 30 days. ) I then asked to be escalated to the manager. The manager told me they could expedite my paperwork so it would be processed in 3-5 days, but they could not confirm that it would be applied to my XXXX payment. I then asked to speak with her manager. Her manager told me that he could not confirm that the recalculation would be applied to my XXXX payment, and also that expediting my paperwork was also not an option. I then asked to speak with his manager, at which time I was sent to the Resolution Department. XXXX in the Resolution Dept told me that they would not confirm the recalculation would be applied to my XXXX payment because " while there is a 30 day processing time, we require an additional XXXX days to apply the changes to your account. '' I then asked XXXX to verbally confirm that while their policy states 30 days of processing time, they also have an additional 3-5 days processing time. She confirmed this was the case, which was not consistent with what I had been told in XXXX XXXX. I asked XXXX to email me this in writing, which she declined to do. I asked for her contact information, which she declined to provide. After asking why there was no way to contact her directly, she gave me her telephone extension. I then asked to be transferred to her manager, which she declined to do. After more discussion she agreed to send me to her manager 's voicemail, but then she hung up on me. All of this took more than 30 minutes. I simply would like to have my paperwork processed within the 30 days I was told it would be, and have my XXXX payment reflect my new salary.
Complaint sub-issue: Was not notified of investigation status or results

1-XXXX XXXX put me in a collection without my knowledge, but when I paid the just to avoid negative impact on my record I asked for it to be removed the first time they said in few weeks XXXX and it never was removed and today, XX/XX/2021 they tell me they will not remove it even it was paid in full. 

2-XXXX  and Equifax are not telling me any updates about fraud charges for hospitals that were no accurate, I have been in this dilemma for 4 years, every time is the same problem. 

3- My information was compromised according to the Equifax breach and there is information that shouldn't be on my record.
Complaint sub-issue: Information is missing that should be on the report

They are reporting wrong address and name
Complaint sub-issue: Other problem getting your report or credit score

I recently applied for additional credit with my card company and was denied due to Equifax reporting that there was some type of freeze initiated on my account that would not allow for 2nd party queries. I have never done this and have been unsuccessful in my attempt to talk to somebody at Equifax. Their phone prompts ( automated ) allow me to get to a certain point and then completely would not allow for any voice or phone input ( selecting 1-5 on my phone to answer their question ). When not allowed to proceed, at no fault of my own, they disconnect the call and don't allow for an option to speak to a customer service representative. I have attempted from multiple phones, both land line as well as cell phones, and ultimately it gets to the same place and fails to connect me to the final step of talking to a representative. 
They are unfairly keeping me from accessing my personal information and will not have a discussion with me about what and why this freeze was placed on my Equifax information. They are unfairly holding my data hostage and not allowing me the freedom to exercise my financial requirements. They just hope that I will go away but I will not. For an agency that holds so much power over peoples financial lives, they should be held to a higher standard which in this case they are not.
Complaint sub-issue: Reporting company used your report improperly

US Bank continues to send emails to me that should be going to their actual customer. I am not a US Bank customer nor have I ever been a customer. Unfortunately, one of their customers incorrectly used my email address at some point while creating an account with US Bank. So now I routinely get emails from US Bank with the name of this customer, the type of product used by the customer and the last four digits of the credit/debit card used by their customer. Despite many emails to US Bank ( sent to both their customer service AND their fraud departments ) I get nothing but additional emails and useless instructions on how to fix MY account records. To repeat, I am not their customer and have no account records with them. It is impossible for me to fix something that doesn't exist. US Bank refuses to correct this incredibly simple piece of info, and willfully chooses to expose their customer 's data to somebody who not only has told them repeatedly to NOT send this to them, but has explicitly told them I was not their customer. They need to fix their error, not me. Further, their customers need to know how callous and indifferent US Bank is to protecting their data. The kicker in all of this is that nearly every one of these emails is promoting how US Bank is working to protect their customer 's private information. Rather hilarious!!
Complaint sub-issue: Account information incorrect

I have a loan with XXXX XXXX  XXXX XXXX, Colorado, last 4 digits XXXX. I paid {$200000.00} against the loan on XX/XX/2020. When I accessed my credit report in XXXX, 2020 I found that the loan balance had been updated only by XXXX  but not XXXX  nor Equifax. I submitted disputes, at great effort and uncertain success, but the balances have not changed. This is affecting my credit score with both of these bureaus. How may I get this fixed?
Complaint sub-issue: Problem making or receiving payments

Thats weird yall not letting me link my account