Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

I used the auto-pay system to pay my loans and the servicer promised a .5 % reduction in interest. In XXXX, I changed my repayment plan to fixed in an effort to reduce interest payments and increase premium payments. I set the payment amount above the required payment as well. Great Lakes did not make the XXXX payment despite confirmation. They then reduced the auto-pay amount. As a result, the XXXX and XXXX payments have gone to interest only. They are also charging me at a rate of 7.8 % interest despite my contracted rate of 6.75 % which should be 6.25 % due to the auto-pay arrangement. This is the second time that Great Lakes has readjusted the auto-pay amount despite my efforts to set payments on line, by phone and by email. I feel their effort is to increase payments to interest and refuse to credit to premium.
Complaint sub-issue: Having problems with customer service

My federal student loans are held with PHEAA, d/b/a Fedloan Servicing as I am currently on an income-based repayment ( IBR ) plan and participating in the Public Service Loan Forgiveness ( PSLF ) program. 

On XXXX XXXX, 2016 I submitted my annual IBR application recertifying my income information via the Department of Education 's XXXX website. However, I later realized that when clicking through the certification, I had accidentally not checked my status as " married '' and had instead selected " single ''. Upon realizing my mistake, I then submitted an IBR application " income recalculation request '' to correct the error on XXXX XXXX, 2016. The error results in an increase of {$100.00} per month in additional payments. PHEAA denied the recalculation request on XXXX XXXX, 2016. I then called and spoke with a customer service representative who instructed me that the denial resulted from a system process that automatically denied the request due to it being a " recalculation request '' and explained that if I instead submitted a new annual certification of income eligibility, they would be able to process the correction to my marital status. On XXXX XXXX, 2016 I submitted another annual certification, which PHEAA denied on XXXX XXXX, 2016. 

I am grateful for the opportunity to participate in IBR and PSLF as a way to manage my debt, and I also appreciate the difficulty faced by PHEAA in managing a large and complex repayment program. However, at this point I have no alternative but to escalate what should have been a simple correction to the CFPB for resolution.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 incorrect

XXXX is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.
Complaint sub-issue: Can't close your account

Request removal from account Ex-spouse Spoke with fraudulent representative No access to account Suspect credit card fraud
Complaint sub-issue: Problem making or receiving payments

Please refer to my previous CFPB cases : XXXX and XXXX I want to find out from US Bank that : 1 )  whether i received the {$200.00} cash bonus or not? 
2 ) I have n't received any paper statement. Rather than asking me to reach out to usps ( which i will ) - why not they investigate why the statements or notifications were send to me in time. 
3 ) I never had access to my online account. 
4 ) Apart from these fees - have US Bank also taken any other money from me?
Complaint sub-issue: Account status

My Department of Education loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it started showing XXXX late payments. I have contacted Dep of Education / XXXX with this issue. They stated that their report of the loan shows {$0.00} amount due, therefore the loan would n't have any late payments. XXXX customer service representative also explained to me that the incorrect reporting most likely happened when the loan was transferred from XXXX XXXX to XXXX. They provided me with documentation to submit to the credit bureaus for correction and also stated that they had amended their credit bureau reporting. 
I have submitted all the documentation to Equifax 5 different times. 5 different times Equifax came back stating they verified the information currently reporting as correct. That is a blatant lie! When Equifax receives a dispute, it waits 30 - 35 days and then sends a generic letter stating they verified the information to be correct. When I ask them to provide me with the sources who verified the information, I do n't receive a response. 
This is not my first complaint about Equifax 's reporting practices. When I submit a complaint, Equifax is quick to respond that the account in question is currently under investigation. I received a notification today that my Department of Education / XXXX loan 's investigation is concluded and the information currently reporting is correct. That is another lie! How can Experian verify the same information and conclude that their initial reporting was incorrect and amend my report and Equifax is unable to do so? 
When I call customer service at Equifax , the representatives are more interested in selling me a product than helping me resolve my issues concerning their reporting. When Equifax responds to the complaint that consumer has not supplied additional information, that is another lie. With this complaint, I am simultaneously filing another dispute with Equifax and providing an official letter from the loan institution stating the facts. Undoubtedly, Equifax will respond that the account is currently under investigation and results will be forwarded to me in 60 days. Undoubtedly, in 60 days I will receive yet another generic letter stating that all the facts have been verified as accurate, yet another lie! 
The level of negligence Equifax demonstrates when it comes to consumer reporting and dispute processing is absurd. And not just that, when they are called out on their deficiencies, the extent of their cover ups and lies has no end! 
I am submitting all the documentation with this complaint and also to Equifax once again. Equifax is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7. I demand immediate correction of my report and formal investigation into Equifax consumer dispute processing practices.
Complaint sub-issue: Their investigation did not fix an error on your report

I am confused why I do not receive any response from the letters I am sending to the bureaus. I recently discovered that they are shredding letters that they think came from credit repair services. This is unlawful, they are violating my consumer rights.
Complaint sub-issue: Called before 8am or after 9pm

Called me at XXXX XXXX did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast  address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.
Complaint sub-issue: Didn't receive notice of right to dispute

US Bank Credit Card Collections Department charged my US checking account without authorization on XX/XX/XXXX. The amount is {$790.00} which they claim is for the US credit card payment due. The US credit card with US Bank I have is in disputed status due to excessive fees and interests charged. 

US Bank Credit Card Collections department sent notice that arrived on XX/XX/XXXX XXXX ( mailed oXX/XX/XXXX ) to state they are going to charge my checking account, not allowing time to dispute. 

I called US Bank today and notified that this transaction was not authorized, disputed it, and requested return. The US Bank stated no intent to return the funds.
Complaint sub-issue: Deposits and withdrawals

Ive had my account with MoneyLions bank for approximately a year and a half to two years and Since XXXX of this year I have been requesting to receive a debit card however they have advised me that they have sent two cards out already which I still have not received with that being said my tax return as well and my stimulus payment were both deposited into that account and the money was compromised so I filed a dispute at which they did provide a provisional credit within the 10 days which is what the law requires however they have blocked my account so I have no access to the funds even tho they sent an email Stating that the provisional credit Has been applied to the account and I have full access of the funds which is not the case so I called them spoke to multiple representatives and nobody was able to help me it is not legal or ethical to provide a provisional credit and then block the account you can not keep a consumer from their own rightfully earned money due to fraud They also said that the manufacture that produces there debit cards is having issues so they are not sending out cards Im also not able to link an external bank account so when the block is removed its going to be difficult accessing my funds
Complaint sub-issue: Debt was paid

I paid a debt to XXXX XXXX XXXX in XXXX of 2017. 6 months later in XXXX they reopened the previously close and paid in full debt and now it's at {$100.00}. I do not owe this and it is affecting my credit rating. I am making this complaint and will hope they take it off my credit report. This still impacts my credit rating and my overall financial health. I was supposed to be building my credit rating to buy a house. Now I've been sabotaged!
Complaint sub-issue: Information belongs to someone else

Inaccurate information reporting on my Equifax credit report.
Complaint sub-issue: Information is not mine

I have contacted Equifax servel times regarding the Inquiries that I did n't authorize all I keep doing is telling me to contact the companies and when I contact the companies they can I find inquiry at the 1 year
Complaint sub-issue: Account status incorrect

In XXXX of XXXX I received a call that my student loan account was past due {$200.00} and needed to be paid. I never received a phone call or email until after the account was past due. I called Fed loan services and explained this to them and I was told that they sent me a notice through their online portal. The problem with this is I didn't even know the portal existed so had no way of knowing my loans were due. Fed loan refused to change the late payment statuses on my accounts. I was also unaware that my student loan was not simply one account but multiple accounts from different loan years. Fed loan also did not defer my payments for the first six weeks of XXXX even though I am a current student. The problem with these late payments is that I was never properly informed they were due until it was to late. I am in the process of buying a house and now that Fed loan is reporting my accounts had late payments I can not get a housing loan with any late payments in the past twelve months. All because of me not being contacted until the payments were past due of {$200.00} I am being denied housing.
Complaint sub-issue: Information is not mine

I have a hard inquiry that was conducted by CBCINNOVIS. I do n't know who this company is and I do n't recall requesting credit from this credit.
Complaint sub-issue: Public record information inaccurate

Erroneous information ( liens and bankruptcy ) being reported on all 3 of my credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Last year I received notification about a {$52.00} bill in collections that I never received in the mail stating the date of service was in XXXX. I had never heard of the original company listed so I disputed it on my XXXX  XXXX  account where it was removed from both listed bureaus. In XXXX of XXXX, I received another notification where the same bill was listed and added to my credit report again, once more without any bills in the mail or anything stating what the bill was for. I disputed it again where it was removed from my XXXX account but is not being removed from my XXXX. I attempted to call the collections company to see if I could get a breakdown of the charges to understand where it was coming from and either the numbers I tried would not go through or I would be hung up on before getting to speak to a live person. This is becoming extremely frustrating and I would like this mystery bill to be removed.
Complaint sub-issue: Problem accessing account

I have XXXX  accounts at Citibank. XXXX credit cards and a money market. Last week I attempted to access my accounts and they required me to activate a atm/debit card that I never received nor want. I've been accessing online for two years without any problems nor this as a requirement. When I access now, they only show one of my credit card accounts so I have no access or info on the other two. I've contacted them several times and said that to obtain access and info to those accounts and need to activate a atm/debit card. This has not been the case for the past two years nor part of any agreement.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a XXXX XXXX credit card. On XXXX, my XXXX XXXX card was charged {$160.00} and {$98.00}. On XXXX, it was charged {$170.00} on four occasions. These charges totaled {$980.00}. I did not make these charges. XXXX XXXX  did not alert me to the fraud. All six charges appear to be at XXXX and for sunglasses. I feel their fraud department should have flagged these purchases. I had auto pay set up on my XXXX XXXX card, so a payment was deducted from my checking account on XXXX/XXXX/XXXX. I called XXXX XXXX immediately to dispute the charges. I also closed the account. They stated they could not refund my money until it was posted to their records on XXXX. I called back on XXXX to request the refund, 2 times, I was told it would take 3-5 days. On XXXX, the credit still had not posted to my checking account. I called again today, XXXX, and was now told it would be another 3-5 days to receive the credit. This person stated they can not even initiated a refund until my payment has been posted to their records for 5 days. That is too long. I asked what if I had not called back, no response. What if I really needed those funds, no response. Just appologies, but no offer to do anything more. My main complains are : 1. These purchases should have been flagged when they initially occurred. 2. When calling in there is no option to go to a fraud department. 3. The XXXX XXXX representatives are not adequately trained on XXXX XXXX credit card fraud policies and procedures. 4. Resolution is not speedy enough. Thank you for any help.
Complaint sub-issue: Their investigation did not fix an error on your report

There is this account on my XXXX credit report that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX  for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has refused to remove the three fraudulent inquiries. Ive also sent in an FTC report. They still havent removed it
Complaint sub-issue: Reporting company used your report improperly

I am writing this Complaint due to the fact EQUIFAX fails to do a complete verified investigation. I have attempted to communicate via telephone calling XXXX and for the past 60 to 90 days i have heard mostly their computer systems have either been down and or I can not reach anyone by phone. I have attached a verified letter of investigation for EQUIFAX, to date I have not heard from them in over 90 days. As of XX/XX/XXXX, and the XXXX I see Inquires I do not recall requesting ; moreover on my personal info on Credit file list inaccuracies : YEAR OF BIRTH XXXX, EMPLOYERS : XXXX, XXXX XXXX XXXX I, XXXX XXXX XXXX ; Please remove these items. Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( ACCOUNT NAME : XXXX 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 is missing that should be on the report

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Debt was result of identity theft

Called MRS BPO on XX/XX/23 @ XXXX and spoke with a representative that provided me with the CEOs email that I was instructed to send my police report to. Sent the email to the CEO XXXX XXXX at XXXX with the explanation that it was not mine, and have not received a response as of yet and it is out of the allotted, but there are still continuous updates to all three bureaus with no response to me. If there is no response to the prior email sent on XX/XX/23, this is second finding ( 1st is debt is not mine, fraud ) that is grounds for failure to comply to FCRA. Please advise
Complaint sub-issue: Information belongs to someone else

Equifax illegally added a medical creditor to my file that I have no association with oncesoever. This is NOT my account. They promote that I can dispute it online but when I try to follow their instructions their website says my password is wrong. When I reset the password using their instructions it still says it is wrong. I can not log in. Their support just tells me to wait x hours every time. This is going to effect a closing IN PROGRESS and I will sue everyone involved if it does. 

XXXX XXXX Last reported XXXX XXXX, 2022 {$150.00} Open balance XXXX  XXXX XXXX  XXXX Original creditor THIS IS NOT MY DEBT I LIVE IN FLORIDA I DON'T LIVE IN ARKANSAS I NEVER LIVED IN ARKANSAS! I HAVENT BEEN TO AN EMERGENCY ROOM IN 20+ years AND I have HEALTH INSURANCE to pay this XXXX!
Complaint sub-issue: Old information reappears or never goes away

I have 3 different accounts on my credit that has been closed out for awhile now and it still shows on my credit I would like for them to be removed. The companys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been in contact with all 3 companys and nothing has been done
Complaint sub-issue: You told them to stop contacting you, but they keep trying

TLRA CALLED ME TO MY PHONE NUMBER XXXX AND ATTEMPTED TO COLLECT A DEBT FROM ANOTHER PERSON. I TOLD THEM THIS PHONE NUMBER NOW BELONGS TO ME AND TO NOT CALL ME AGAIN. DESPITE MY REQUESTS, THEY CONTINUE TO CALL AND TEXT ME WITH THEIR AUTOMATED VOICE / COMPUTER VOICE. THIS IS A FDCPA AND TCPA VIOLATION. IT IS ALSO A VIOLATION OF THE TFC SECTION 392. I AM A XXXX RESIDENT.
Complaint sub-issue: Received bad information about your loan

Nelnet reported on all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out. The name on the contract is NOT my name. I have called Nelnet several times, police/detectives have called Nelnet several times and Nelnet refuses to send information or provide information over the phone. Nelnet has mailed information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. This fraudulent loan has caused so many issues for me, including killing my buying power. I was unable to purchase my home because of the FRAUDULENT loan. At one point all 3 credit bureaus removed this fraudulent loan from my reports and then Nelnet provided XXXX with more false information and it is back on my credit report fraudulently. They are reporting payments being made that I never made on this fraudulent loan along with other false information that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. The loan is not in my name. It has caused such hardship, I have been unable to access credit in my name because of this fraudulent loan and this has been going on since 2019. Nelnet has random names and addresses that they mail information to that is not my name and not my address.
Complaint sub-issue: Deposits and withdrawals

Ally Bank will not allow me to access my online banking and they have de-activated my debit card. They are holding my money XXXX while they investigate a " fraud complaint '' that they initiated. I called customer service on XX/XX/2021 because I could not access my account online, and my debit card was not working, even though there was not a freeze on the card. The fraud division at Ally refused to give me information on my account ( the balance of the account and recent transactions ) and would not allow me to move the money in my personal checking account at Ally to my personal checking account at XXXX ( which I just opened ) so that I could access my money to pay my rent on XXXX. I had direct deposit set up through my employer, so essentially Ally Bank is holding my money without giving me any information. I was told was that when the investigation was over, Ally Bank would close my account and mail me a check for the remainder of my balance, if there was a remainder. I should be allowed access to my banking account, and be able to see my entire transaction history, and be fully aware of what Ally is doing and why. Ally Bank should not be allowed to deny me access to my money, in my personal checking account.