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

Thank you for taking the time to help people navigate through the Public Service Loan Forgiveness ( PSLF ) program with FedLoan Servicing. I find myself in a unique situation with my loans. I have been working with non-profitsover the last ten years with two of those years working as an XXXX XXXX. 

Here is my situation : I was trying to use my XXXX XXXX XXXX XXXX to pay down my XXXX XXXX XXXX XXXX monthly payments and stay current on my account. The problemthat I was having was that my payment was not arriving on time and defaulting on my PSLF payments because it took too long to transfer over. I asked several times if there was a way for me to set up an automatic withdrawalfrom my XXXX XXXX XXXX Award. I was told that this could not be done. My solution was to pay multiple months at a time. As a result, I found out that a year of my payments did not count for the following months : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX 4 months ), XXXX XXXX, XX/XX/XXXX. 

I have had a number of reviews on my account to try to get this fixed but, it always comes back negative. I spoke to an ombudsmanat FedLoan Servicing and they told me that my request was also denied. Years later I found out that they could take automatic payments from an XXXX account. 

It doesn't seem right to me that paying ahead on my account to satisfy timely payments should be counted against me. Especially, because the transfer payment was out of my control and between two slow moving bureaucratic governmentagencies.I feel like I have been duped andI am not sure how to proceed. Do you have any advice?

I am currently at 103 qualified payments and having an extra year worth of payments returned would really change my life. I have also attached my notes to give you a paper-trail of my experience.
Complaint sub-issue: Account status incorrect

XXXX reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.
Complaint sub-issue: Debt is not yours

Company has failed to provide proof with my signature showing they have validated this debt m. This company continues to violate CFPBs rules and regulations this company continues to disregard the rules and regulations as it pertains to providing this said debt with my actual signature validating that said debt correct and accurate. I have already provided proof to XXXX that this is not my debt and this debt was removed from my credit file. This company continues to report inaccurate and false information on my XXXX credit report. This company did not provide proof of any documents showing an ink signature on an actual contract indicating I have validated this debt and indicating I have acknowledged and obtained this debt. Instead this company provided a copy of a factious drivers license that does not belong to me and which has already been identified in my police report that is in file with the credit agencies, this item does not belong to me remove it from my file. Providing a copy of a drivers license does not substantiate this debt belonging to me nor does a copy of a drivers license indicate I have obtain this debt and validated that this debt belongs to me. As stated earlier I have already filed identity theft report which is located on all three of my credit reports please remove this debt this does does does not belong to me.
Complaint sub-issue: Information belongs to someone else

My personal information was compromised due to the Equifax Data Breach. I have several fraudulent accounts listed on my credit report. I have been contacting Equifax for almost 2 years in regards to theses accounts. I have sent in Identity theft affidavits from the FTC, along with police reports from my local police department. I am not getting any resolution from Equifax in regards to these accounts or removing them with the information that has been provided a numerous of times.
Complaint sub-issue: Trouble with how payments are handled

My loan was sold to a third party. I authorized direct debits but debit was not made for XXXX 2015 by the seller of the loan ( XXXX ) or the buyer ( AES ). I received a notice from a collection agency that I am 1 month past due on my payments. Why would these companies send my account to collections when both have my direct debit authorization and I have a solid payment history?
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Received bad information about your loan

My loans are in an income based payment plan. My husband and I re-certified and a customer service agent informed us that if we sent in my husbands paystubs by the end of the week, the low payments would continue at we would stay on the payment plan. This was in early XXXX. Unfortunately, this was not true. After calling in multiple times and receiving different information, we were told that it would be processed the week of XXXX. We were also told to put our loan in forbearance while the IDR was being processed. We were also told to just not pay XXXX and take auto debit off. We also received multiple emails with different payment amounts over the last few weeks. 

Once it was processed, the effective date was XXXX. This caused two problems : 1. A lapse in IDR caused around {$9000.00} in interest to capitalize. 

2. Our XXXX payment is over {$1000.00}. 

Nelnet 's practices are both unfair and deceptive.
Nelnet should have all the respective documents so I will not be submitting any. Lastly, when you call Nelnet, they inform you " If you received multiple statements, please disregard the second one. ''
Complaint sub-issue: Received bad information about my loan

In attempting to recertify my income-based repayment plan with Nelnet, I have received misinformation, undue delays, and I am trying to be pushed into unnecessary forbearance.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Fees charged for closing account

On XX/XX/2021, I closed my Citi Checking Account ( ending in XXXX ) and Savings Account ( ending in XXXX ). This was done over the phone, and I have a screenshot showing both of the accounts were closed. At all times prior to closure, I maintained a balance sufficient to avoid a monthly fee, and no fee was charged at the end of the XXXX statement cycle. Sometime thereafter, without my consent and without providing any disclosures to me, Citi re-opened my Citi Savings Account ( ending in XXXX ) and charged a fee of {$30.00}, which overdrew my checking account. Citi appears to have reopened this account for the sole purpose of charging me a fee, which is unfair and deceptive as I did not request or consent to the re-opening of my account. The fee was charged on XX/XX/2021. I contacted Citi through chat on XX/XX/2021, and I was assured that the fee would be reversed, and the account would be closed. I have a screenshot of the chat conversation and of the account showing the credit for the fee. I assumed that the problem was corrected, but I received a letter dated XX/XX/2021, where Citi exercised a right of set-off against a different Citi savings account to transfer {$30.00} to the closed account. I have no idea how they came up with {$30.00} given that the account should have been closed and the amount of the fee was only {$30.00}. 

I am extremely concerned that Citi is re-opening closed accounts without consent or disclosure for the sole purpose of charging inappropriate fees and exercising its right to set-off.
Complaint sub-issue: Was not notified of investigation status or results

XXXX was deleted but reinserted into my credit files with XXXX and equifax   without notifying me whatsoever, in violation Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent lexis nexis a dispute letter in XXXX and according to USPS they received it XX/XX/2021. 30 days have elapsed and still no reponse!
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE 6 LATE PAYMENTS ON MY FEDERAL STUDENT LOANS. I WROTE TO THEM ( XXXX XXXX ) SAYING THAT THE LATE PAYMENTS IN QUESTION WERE DUE TO APPLYING FOR THE INCOME DRIVEN PAYMENT PLAN AND TO PLEASE REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT. THEY MISTOOK THIS AS ME ASKING TO BE DEFERRED AGAIN ( I HAVE ALREADY BEEN PAYING FOR OVER A YEAR WITHOUT MISSING A PAYMENT ), WHICH I DID NOT WANT.

I JUST WANT THE LATE PAYMENTS REMOVED FROM MY CREDIT REPORT DURING THIS TIME I WAS APPLYING FOR INCOME DRIVEN PAYMENTS, I COULD NOT MAKE THE PAYMENT INSTALLMENTS THEY ASKED OF ME, WHICH IS WHY THE MARKED THE PAYMENTS AS LATE UNTIL MY PAPERWORK WAS COMPLETED.
Complaint sub-issue: Threatened to sue you for very old debt

Fraud account on my credit repair parts need to be removed
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, I filed a dispute with Equifax, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, Equifax has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, Equifax has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my Equifax report : XXXX XXXX # XXXX XXXX (  XXXX )
Complaint sub-issue: Debt is not yours

THIS IS NOT MY ACCOUNT AND WAS OPEN UNDER FRAUD I ADVISE THE COMPANY OF THIS YEARS AGO.
Complaint sub-issue: Didn't receive notice of right to dispute

Original creditor did not attempt to contact me to resolve the debt. Original creditor forged signatures on documents. Debt collection agency did not send any information to myself. The only information I have received about the collection account was from XXXX XXXX The original creditor is pursuing low income families in a predatory fashion. The original creditor is pursuing my family with malicious intent. The original creditor violated me.
Complaint sub-issue: Transaction was not authorized

There are frequent withdrawals from my checking account from an entity called bill.com, using various prefixes before the company name, such as :XX/XX/XXXX, XXXX, XX/XX/XXXX. 

I have no idea what these charges are but they come frequently. I have tried, many times, to communicate with this company but they make it impossible to communicate with them.
Complaint sub-issue: Information belongs to someone else

Good morning After recent checking my XXXX  credit report, I noticed several credit inquiries and these inquiries does not belong to me because I have left the United States back in XXXX below are these inquiries XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX  XXXX from XX/XX/XXXX All Bank
Complaint sub-issue: Didn't receive enough information to verify debt

After checking my credit report and finding a collection for Enhanced Recovery Company. I had not received any notice from Enhanced Recovery Company regarding the alleged debt. I sent a dispute letter to Enhanced Recovery Company, dated XX/XX/2021 via USPS Certified Mail, requesting further information and disputing the account in accordance with 15 U.S.C. Sect. 1692, requesting that I either receive further validation and verification within 30 days or that the account be deleted from my credit reports. 

Enhanced Recovery Company received the letter on XX/XX/2021. Enhanced Recovery Company notified XXXX and XXXX of the dispute by adding a comment that the account information was disputed and that is met FCRA. I did not receive a response from Enhanced Recovery Company within 30 days. 

So, on XX/XX/2021 I sent a second correspondence to Enhanced Recovery via USPS Certified Mail Receipt, requesting that the account be deleted from my credit reports as they did not send a response within 30 days of receiving my certified mailed dispute letter. Enhanced Recovery received my request to delete the account on XX/XX/2021. 

The account is still showing on my credit reports. I sent letters with copies of the correspondences and USPS Tracking Delivery Confirmations to XXXX  and XXXX via USPS Certified Mail Return Receipt, carbon copying Enhanced Recovery on both mailings.
Complaint sub-issue: Can't temporarily postpone payments

I am unable to afford the payments for MyFedLoans as I do not make enough money to afford it. I have tried to apply for forbearance and deferment and I keep getting the response that I am ineligible. My payments are not feasible to keep my student loans current.
Complaint sub-issue: Trouble closing card

Hi, CFPB folks. 

The short of it : Having withdrawn my EIP credit from Money Network XXXX XXXX, I now want to close the account. But no method of closure is mentioned by either party, nor do they provide a way to reach a human by phone or email, nor did I get any response to my written request to their address-of-record. 

The history : In XXXX, I get an unsolicited debit card with letter ( from Economic Impact Payment Card '' says the front of the letter ; from Money Network Financial on the back of the letter ). No alternate way of getting the EIP credit is mentioned anywhere in letter ( or websites ) so I activated the card by phoning number provided. I also created online account, reluctantly. I used it to arrange an ACH transfer to my bank. The transfer arrived XXXX XXXX. 

But try to close the XXXX account? Impossible to find method to do such. Not mentioned on any website I can find, nor by calling phone numbers provided. No human can be reached, by phone or email. 

Most alarmingly, no response comes even after I send a letter to Money Network Financial at the address provided on original letter sent to me. So I'm left wondering : Are they not required to close the account if I ask? Are they not required to respond to me saying they will or won't close the account? Is it even my account, or is IRS the account owner in this case? 

PS. I understand there are good reasons for sending debit cards rather than checks, but a check would have been my preference. I have no interest in creating new accounts at new financial institutions. I am alarmed that XXXX XXXX Money Network Financial received personal information from IRS ( and from me, during the activation of the card ) and now will not even acknowledge my request to close the account.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Deposits and withdrawals

On approximately XX/XX/XXXX, I presented to this branch a death certificate and certificate of trust to name me as trustee. All documents were in order and this checking account has been with PNC since XX/XX/XXXX when it was acquired from National City Bank. Since then, going on 4 weeks now, I have been in the bank numerous times to inquire about this account as they have been holding funds in excess of {$68000.00} XXXX with no end in sight. All bank employees, including the manager, state there is nothing they can do until headquarters acts. I have not received one phone call or communication regarding the delay. The manager and employees have " heard '' they are trying to find the original signature card from 20 years ago at another bank when this is completely moot. I am now the trustee as named in the trust document that they have had for over ten years and they now should only require my signature. Just today, the manager told me he would call HQ and call me back and he never did. I am demanding the release of my funds from this bank immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act ; XXXX has violated my rights via a UNAUTHORIZED credit inquiry on 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 a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $ FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX  XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$7400.00} written off. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax to notify them that there were inquiries on my report that I did not recognize or authorize. Here are the following inquiries : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX