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

American Education Services ( AES ) services my student loan which is through XXXX XXXX. I was unable to track down my account number since my loan had moved from one servicer to another to finally to AES and they had lost track of my details in their system. I emailed them to get my account details so that I could start making payments before payments became due. On XX/XX/XXXX, I called their customer service to resolve the issue. I spoke with their employee named XXXX ( ID : XXXX ) and she mentioned she could not locate the details of my account using my Social Security Number, my name and date birth, or any other details ( I have an audio recording of the call if needed ). Then a representative from XXXX XXXX  contacted me and helped my figure out the details on a conference call with AES. I made the payments in full immediately and have been paying regularly since. As a consumer, I did my part in trying to make payments as required but AES could not help me locate my account details and hence the payment was delayed. 

AES then reported this delay to XXXX in XX/XX/XXXX which led to a XXXX point drop in my credit score. This has had a huge negative impact on my creditworthiness due to which I am not sure if I can apply for a mortgage or refinance of my student loan. 

I have contacted both AES and XXXX multiple times and requested them to correct the error but they have refused to do so. My credit score remains low despite no fault of mine. 

I request you to please help me sort this matter and remove the negative report on my credit. I have been a responsible consumer and have paid all my dues in time.
Complaint sub-issue: Problem with fees

I have a US Bank Platinum Visa card. My due date is the XXXX of the month. On XX/XX/XXXX I was charged a {$27.00} late fee despite the fact that my payment posted on XX/XX/XXXX. I contacted US Bank via telephone regarding the late fee and on XX/XX/XXXX my account was credited. 

On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged another late fee, this time it was {$38.00}. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. 

I contacted a US Bank representative via telephone on XX/XX/XXXX and was told that a supervisor would give me a call within 24 hours. I never received a call back. The {$38.00} late fee that I was charged for XX/XX/XXXX was credited back to my account but not the late fees for XX/XX/XXXX ( {$38.00} ), XX/XX/XXXX ( {$38.00} ), and XX/XX/XXXX ( {$38.00} ). 

Is this legal? I would like these unjust fees to be credited back to my account.
Complaint sub-issue: Other problem getting your report or credit score

I have a number of issues currently with Equifax. 

- on XXXX I ordered a paper copy of my credit report. I paid {$5.00} for this report. I was told it would take 5-7 business days. When I spoke to an Equifax representative on XXXX, they stated that it had been mailed I would receive it shortly. It is now XXXX - XXXX business days later - no report. 

on XXXX I called Equifax because suddenly my ENTIRE credit file disappeared and an address from another state was appearing attached to my name and SSN. After numerous attempts to get this correct all that has been done is an update of my current address. It is now XXXX and my file is still completely blank. My entire credit history has vanished and no one at equifax seems to be able to explain why or is even vaguely interested in fixing it ( I had one CSR tell me that no, in fact, I did not have any credit accounts otherwise they would be showing up ). 

- after the security breach was finally made XXXX, I went to the security web site to see if I was impacted and when I could sign up for credit monitoring. I was told that yes, I was impacted and that my date to sign up would be XXXX. After registering, I would receive an email to complete enrollment. Today is XXXX and I have yet to receive any word on further enrollment. Given that my one complete credit file is now blank and equifax is taking 5 business days to provide some modicum of monitoring service, I have grave concerns that my credit history with Equifax is even existent. 

Due to this shoddy handling of sensitive protected information, I am currently unable to apply for any credit as a comparison on my reports between the other two CRAs and Equifax would show grave discrepancies, all due to Equifax 's incompetence. I have also been denied credit which I believe is solely due to Equifax mishandling of my file and incorrect information ( in this case, no information ) and a wrong address being reported. 

Also, aside from this complaint, and joining any class action law suit I can against Equifax I will be filing a separate, individual lawsuit for FCRA violations as clearly they are unable to maintain accurate and complete records.
Complaint sub-issue: Investigation took more than 30 days

the credit bureaus have posted old inquiries that have not been deleteed?
Complaint sub-issue: Their investigation did not fix an error on your report

I reported to both XXXX and equifax of a fraudulent derogatory mark from XXXX on my credit report. I disputed the mark and both reporting agencies ruled it meets their standards. I have tried to speak to someone on the phone about the issue with both agencies to no avail. This is not my XXXX account, I have XXXX  and I'm still in good standing with them. I need to remove this from my credit because Im not paying for a XXXX   account that I've never owned.
Complaint sub-issue: Reporting company used your report improperly

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Complaint sub-issue: Problem lowering your monthly payments

I have 4 unsubsidized loans with Sallie Mae totaling about {$44000.00}. Each time I called them to discuss lowering my monthly payments, the customer service rep would only push forbearance on me saying it was my only option. After 4 months of forbearance, I found out through research online that I qualified for an internship deferment for a year while I was in an alternative certification program to get certified to teach. Despite the fact that I had informed customer service representatives of my work situation, no one ever informed me that I qualified for a deferment. My program was taking {$200.00} out of each check I received and I could not afford my monthly payments of {$500.00} with Sallie Mae. Now that my deferment has ended, I again called Sallie Mae today, XXXX/XXXX/2017 to discuss my options for lowering my monthly payments. I called two different times, once at XXXX and again at XXXX. The first customer service rep named XXXX asked my name and asked what I was calling about. I told him my situation : I 'm a XXXX working for a XXXX XXXX XXXX XXXX and because of budget issues, I 'm receiving a much lower raise than what I had originally thought I would get. He asked what my major was and if I had received my degree. I informed him that I majored in XXXX. He said unfortunately there was nothing he could do to help me lower my payments and that my only option would be forbearance. I told him I only have a few months of forbearance left and that I want to save those in case I need to use them later during the life of my loan. He said my only other option would be to purposely default, and then and only then could I possibly talk with their collections department. I told him I did n't want to default and that I was trying to be proactive because I did n't want to affect my credit score. He said I would have to wait at least 5 days after my payment is due to go into default and that was my only option other than forbearance. I thanked him and ended the call. I called again to see if another customer service rep could do anything. This time, I talked to XXXX. She also informed me that my only options were forbearance or purposely defaulting by not paying for 5 days. I asked her about the reduction interest rate and she said I did not qualify because my account is current. She again informed me that I could purposely default and that the collections department would contact me. Only then could I review my finances to possibly lower my monthly payments. I again thanked her and ended the call. Sallie Mae should not push forbearance and refuse to discuss other payment options for borrowers who make a good faith effort to make their payments. And they should not force borrowers to purposely default to qualify for lower payments.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX, ( Original creditor 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 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: Their investigation did not fix an error on your report

Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past ( LendingClub ). I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to LendingClub they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. LendingClub then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. XXXX has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with LendingClub or contact information for my attorneys and no information has provided.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX.account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern, I am writing this letter to inform the Consumer Financial Protection Bureau of a repeated violation of my right under the Fair Credit Reporting Act and the laws which is governed by both the State of Nevada and the Federal government with regards to both a previous and current credit dispute. Equifax submitted a previous credit dispute on my behalf asking the creditor also known as ( XXXX XXXX XXXX XXXX ) to investigate account ( XXXX ) for inaccuracies which the account was investigated and deemed accurate. However I recently reviewed the account for errors and inconsistences and found that ( XXXX XXXX XXXX XXXX ) has several months of credit data which is still reporting inaccurately I have listed those months in question for your review. The months are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As you can see by the document I which I have attached, XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ) and XX/XX/XXXX ( 120 days past due ). There are also several months whereas no data was entered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And last but not least, although this account has been charged off and closed, it is still reporting a balance and past due amount and has consistently reported charge off after the closed date which is showing up as a new charge off each month on my consumer credit report since the month it was reported as closed. These inaccuracy continues to further damage my consumer credit file on a month by month and year by year basis. Equifax/XXXX XXXX XXXX XXXX has had plenty of opportunities to correct these inaccuracies over the course of over 4 years but continue to work in partnership to ensure that my credit score remains unchangeable. Both companies investigated this matter within the allotted time frame provided by the Fair Credit Reporting Act and with disregard submitted this false and inaccurate information/data into my consumer credit file having verified by EQUIFAX that the information entered into my consumer credit file post investigation was correct. Recently, I have asked Equifax to " DELETE '' this account off of my credit file but they have ignored my requested and have since initialized a reinvestigation which is a violated the Fair Credit Reporting Act which is governed by both Federal and the State of Nevada. Given the numerous errors in credit reporting and the blatant disregard of both State and Federal lawand the several years of harm it has caused due to the inaccuracies, I ask that this account XXXX XXXX XXXX XXXX ( XXXX be DELETED/REMOVED from my consumer credit file promptly and permanently.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, a Federally protected consumer, and I am making this complaint against Hunter Warfield for committing Identity theft. I have never given Hunter Warfield any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe I am legally refusing to pay this debt Pursuant to 15 USC 1692c ( c ) .I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Hunter Warfield can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Hunter Warfield continues its collection efforts, I will file for litigation for actual damages caused and Hunter Warfield will be held criminally liable for aggravated Identity theft Pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mal fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention are both requested and required.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank transferred a charge made to our citibank costco visa to another citibank card, our sears mastercard, 'shop your way '. We don't use the sears card and called and asked that that account be closed as soon as we received the statement. Citi sears continues to call us about payment. We didn't use that card. Citibank must have transferred the charge made with our Citi Costco Visa to the Sears Mastercard. I understand that they were recently sued and had to pay a settlement of XXXX XXXX dollars in XXXX for this same type of practice. I've called both of the branches involved. I've spoken to many representatives and supervisors. We are not getting this resolved in a timely or satisfactory manner. The statement shows a charge for XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX CA for {$210.00}. Again, we used a different card for this purchase. It was not charged to Citi Sears Mastercard 'shop your way. '
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account number # XXXX 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: Account status

In my credit report is my x husbands credit card ( us bank revolving line ) which has not been updated since XX/XX/XXXX.My credit was pulled XX/XX/XXXX.This account was included on his bankruptcy as '' unsecured claims receiving disbursements '' I have contacted US Bank several times as it is on my credit report ( over the last two years ) .Last on XX/XX/XXXX via phone and XX/XX/XXXX and they can not find this account by account number, Social security numbers or either of our names, but will not take off credit report.I sent last certified letter to them XX/XX/XXXX they have received on XX/XX/XXXX and have not contacted me.Again I contacted them ( us bank ) XX/XX/XXXX they are still unable to find account but, it still appears on my credit report as negative.They send me from one person to another finally to automated line which gives address to send dispute to.I have done this now twice most recently XX/XX/XXXX and I can not get US Bank to respond.phone numbers called XXXX on XX/XX/XXXX and XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been paid.
Complaint sub-issue: Reporting company used your report improperly

Due to the third party hack of Equifax, my personal information ( SSN, date of birth, credit card numbers, home address, telephone number, and other key personal info ) could have been or was stolen. According to the Equifax security site, where they will obscurely tell you if your information was stolen, and mine was. The hack happened in XXXX but we were not told about it until Thursday, XX/XX/XXXX.
Complaint sub-issue: Problem with fees

1 ) Citi charged me a {$25.00} late fee on XX/XX/XXXX and a {$29.00} late fee on XX/XX/XXXX. On XX/XX/XXXX I mailed out a letter to Citi formally requesting them to mail me my billing statements and to stop paperless billing. This letter is attached to this complaint. Citi failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. If Citi disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS,  XXXX, XXXX, or a certified mail receipt. 
____________________________________________________________________________________________________________ 2 ) Citi drastically reduced my credit limit from {$15000.00} to {$300.00} because of this. This negatively affected my credit scores with the 3 major credit bureaus. The available credit is one of the factors used when determining credit scores. I respectfully request that Citi reinstate my higher credit limit or at the very least increase it from the credit limit I am currently at.
Complaint sub-issue: Information belongs to someone else

I was a victim of Identity Theft. Over the last several months, I have been working with the credit bureaus ( Equifax, XXXX, XXXX ) in order to have the credit bureau reports corrected. I have provided them with Police Reports, IRS Affidavits, and Personal Statements regarding this issue. Both XXXX & XXXX PROMPTLY corrected my information, and have both provided me with updated credit reports. However, Equifax continues to report this false information/accounts on my Equifax Credit Report. My intial dispute with them began on or around XX/XX/XXXX. It is now XX/XX/XXXX. In order to bypass the " 30 day '' investigation timeline, they just keeping closing and re-opening " new investigations ''. I have spoken with them numerous times via telephone, and have had to re-fax the above information ( Polive Reports, IRS Affidavits, Statements ) to them 3 times during the last 2 months as they continue telling me that they have not received it. ( I have 3 fax confirmations confirming that they did receive them ... ). Now, today, I am told by their telephone representative that they will CONTINUE to report the fraudulent account as the " creditor '' has advised them that th account is mine ...??? Obviously, it is n't. BOTH, XXXX and XXXX have provided me with letters advising me that they have DELETED this information from my Credit Report, as they have determined that it was NOT my account. Both XXXX and XXXX have also BOTH provided me with updated Credit Reports as well. Equifax refuses to do so, even after nearly 2 months of when this began. Getting through to Equifax is nearly impossible, as all calls are answered in the XXXX, by individuals who speak broken English, and are hardly understandable. When asked to be transferred to an American agent, your call is placed in a que in which hold times have exceeded 2 hours to get through ... Please help resolve!!!
Complaint sub-issue: Reporting company used your report improperly

I validated the security breach had affected me at the suggested link provided by Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ). When attempting to get a resolution, I was forwarded to sign up with a pad security service ( free for one year ) with the caveat of forfeiting my rights in a class action lawsuit against them. In summary, Equifax did the following : 1. mishandled secure information with an insecure API that allowed data to be returned to attackers in plain text. 

2. Did not disclose the breach this for over a month while executives sold stock, instead of immediately notifying affected individuals. 

3. Are attempting to prey on victims of this attack further through a carefully worded arbitration agreement that waives litigation rights.