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

I was not told that interest would capitalize on my loans with XXXX XXXX XXXX when I was in forbearance in XXXX. I was in the process of trying to enroll in IBR and instead directed into forbearance as a better option. I recently looked at my records and there are multiple charges of interest capitalization totaling over {$65000.00} between XXXX and XXXX. At the time I was in XXXX   and thought that it was just the interest from XXXX school  capitalizing, but looking back at the account now, something is suspicious and I see at least {$65000.00} of interest that capitalized between XXXX that doesn't make sense on their paperwork and seems excessive. There is {$28000.00} of interest that capitalized in XX/XX/XXXX when my grace period from XXXX school  ended which makes no sense since the interest was already capitalized on earlier statements and I was not even in forbearance. It happened again when I was in forbearance but again, I was not told that the interest would capitalize when in forbearance, just that it would accrue. 

Also, I have made payments in the past year to completely wipe out certain loans and then the next month there was nearly {$1000.00} back on the account. When I try to resolve with the company they always have an explanation, but not one that really makes good sense. 

I just thought I had overlooked something, but now I have heard that they are making errors like this and have been looking into my account and find it almost impossible use their system to understand my loan balances and how the balances are being calculated. I feel very uncomfortable, similar to when I had a property manager who turned out to be stealing from me by using a rigged spreadsheet to calculate my revenue. 

I have a significant amount of student loan debt from XXXX  school ( {$260000.00} borrowed initially ) however over {$200000.00} in interest has accrued since I have been in XXXX. It just doesn't make sense that {$65000.00} worth of interest could accrue within the first two years and then be capitalized without me being told this would happen. If this is an error the interest that has been charged on these amount will need to be recalculated as well because I should not have to may interest on principle that was improperly capitalized interest. 

The amounts they report that I have paid in total so far also continues to fluctuate and seems to be wildly inaccurate on some of their spreadsheets and account statements. There is not good information and easily accessed information on the website. It is very difficult to make sense of how they are keeping track of the principle and interest. 

Something is wrong and I need to get it cleared up.
Complaint sub-issue: Reporting company used your report improperly

Equifax is violation of 15 U.S. Code 1681a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I did not give Equifax permission to assemble and evaluate my consumer credit or any other information which violates ( 15 U.S. Code 1681b ( 2 ) ). Equifax doing so without my consent is identity fraud.

Equifax also violated 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax did not exercise grave responsibility with fairness by submitting false credit scores to financial institutions, which stopped me from being able to purchase a home and other essentials for myself and my family. My right to privacy has been taken from me and I feel unsafe.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Applied for a Citibank credit card on XXXX XX/XX/2020. The Double Rewards Card. Completed the application on-line and the customer service representatives claimed that I would receive a letter in the mail regarding approval and/or an e-mail. There website claimed you can check your status by entering your telephone number or by the assigned applicant numbers provided by Citibank. I can't get a straight answer from Citibank regarding approval. I have not received a letter regarding approval or a denial, it's been over 30 days and I didn't appreciate the false advertising regarding a status update which never occurred after entering the customer applicant numbers provided by there credit card division. 
Desired Settlement : Other ( requires explanation ) Citibank needs to remove there false advertising claim of 5-7 days regarding credit card processing. There customer credit representatives should stop telling applicants to expect a letter or e-mail from Citibank regarding a decision. There credit division needs an overhaul and should be fined for telling the public exaggerating, untruthful, misleading advertising statements and stop putting customers on hold while pretending to view the applicants credit application. 
Complaint Details Nature of Complaint : Customer Service Issues Date Problem Occured : XX/XX/2020 XXXX XX/XX/XXXXDate ( s ) Complained : XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXXXX/XX/XXXX Salesperson : None Provided, None Complaint Details ( cont. ) Product/Service : Citibank Double Rewards Credit
Complaint sub-issue: Account information incorrect

Settelment payment was agreed upon by both parties and paid by XXXX XXXX. XXXX XXXX has since refused to remove from credit and still shows a balance owed, causing derogatory remarks on my report.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the bankruptcy that needs to be removed from my file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2013 Reference # : XXXX
Complaint sub-issue: Other problem getting your report or credit score

I am in the process of buying a home and my closing date is coming up this month. I was preapproved for a mortgage but when my broker went to pull my credit for the application Equifax was not returning a score. 

For context, I opened my first credit card in XX/XX/2019 as well as adding a car lease in XX/XX/2019. I have been able to establish my credit with XXXX and XXXX  but not Equifax. 

I have been calling Equifax and my creditors for over a month now trying to figure this out. Equifax does not have a credit profile for me and neither XXXX XXXX nor XXXX seem to know whats going on. Ive mailed them all documents, filed disputes, sat on hold for hours on a daily basis. I have been told different stories and every time I feel like I have a sense of XXXX going on a customer service rep tells me a new story as to why I dont have a credit score and whos fault it is. 

I have asked my credit card company, XXXX XXXX, and my auto lease company, XXXX, to send my information to Equifax. I requested it be expedited as my closing date is soon approaching. I fear I will lose my home because Equifax is not reporting a credit score for me. 

I can not express how much I appreciate anything you can do to help resolve the situation. Thank you in advance.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act Accounts ( XXXX XXXX XXXX. original account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and 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 an account without my written instructions
Complaint sub-issue: Deposits and withdrawals

I deposited a check on XX/XX/XXXX in an ATM at US Bank in XXXX, Oregon for {$6000.00} and the amount was credited to my account incorrectly as {$5000.00}. 
I received a printed receipt form the ATM with a copy of the check and called the number on the back of my debt card while still at the ATM. I spoke with customer service and they were able to access my account view the check and verified it did not match the amount written. 
This check was from XXXX XXXX, I understand there would normally be a hold period to verify funds but not over 10 days. US Bank is not releasing the funds until XX/XX/XXXX. 
I have called 9 times, each conversation I am told to call another number or go through the branch where I opened the account. My account was opened XX/XX/XXXX in XXXX, Oregon I have never been back to that branch. 
Each time I called I explained I have a draft scheduled for XX/XX/XXXX that is for XXXX XXXX Mortgage for {$12000.00} and I expected my full account balance to be available. I called XXXX XXXX and the check processed XX/XX/XXXX. US Bank customer service told me " someone in the backroom placed a hold on your check beginning XX/XX/XXXX ''. 
I am so frustrated calling and being on hold so many times without anyone taking responsibility. I absolutely will close this account once the draft from XXXX XXXX is complete. I will probably be charged by XXXX XXXX and US Bank if they do not release the amount in my account. I very well should have completed this transaction through our credit union.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXX  XXXX ; XXXX   XXXX XXXX ; XXXX XXXX XXXX
Complaint sub-issue: Problem getting my free annual report

On the XXXX XXXX 2016, while trying to get my report online, XXXX XXXX kept telling me " unable to complete your request '', I then tried Equifax and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their XXXX websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,
Complaint sub-issue: Information belongs to someone else

To whom this XXXX concern, I have sent multiple certified letters to XXXX concerning a personal loan ( Acima ) on my credit report. I did not apply or authorize a personal loan from this company. Ive only had XXXX personal loan in my name ( XXXX XXXX XXXX ). I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, XXXX company should also, giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair items on credit report, it has to be removed from consumers credit report! I have sent more certified letters explaining this to XXXX and have NOT received a response.
Complaint sub-issue: Debt was paid

I paid the debt collections company XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the total amount of my account on XX/XX/2020. The total amount was {$3600.00}. I received a Paid In Full letter from XXXX XXXX which was consequently submitted to all 3 credit bureaus. Both XXXX and XXXX report the account correctly as paid in full but Equifax does not. Multiple attempts have been made by multiple parties to ensure that Equifax updates the account properly but none successful. The collections company XXXX XXXX XXXX says that they have properly reported the payment to Equifax. I would like Equifax to properly report the account. I will attached bank statements, the paid in full letter, and screenshots to substantiate all of my evidence.
Complaint sub-issue: Received bad information about your loan

my loan was in rehab approx. 12 months and I never missed a payment. once the loan was rehabbed I was transferred to XXXX XXXX XXXX to handle my loan. I initially spoke to someone from their company in XXXX or XX/XX/XXXX. I gave payment information to process payments and my payments at the time were XXXX  and I was on direct debit with the other company. I did not received any other emails from the company in my inbox one or two went to spam the company claims they were sent but I can not confirm since they could have gone to spam. On XX/XX/XXXX my mortgage servicer requested a rapid rescore for the 20 points I needed to get my pre qual letter. it was processed and we re ram my credit on XX/XX/XXXX to find out my score dropped on one report 64 points because XXXX XXXXXXXX XXXX reported over 90 days late over XXXX. I called them immediately spoke a supervisor on that Monday and called back Every day until the following Monday. I spoke to 6 supervisors and 8 reps. none of which could give a date they tried to call and I was told more than once they will not call because I was paperless. the supervisor on XX/XX/XXXX told me my phone number was listed in red in their system and asked had my number changed I said no and asked why no one called she stated she doesn't have an answer. I found out during that week that my payments changed to 160.+ per month but I had no idea because no one contacted me or confirmed I ever received payment change information. on XX/XX/XXXX I called Ombudsman at both the dept of education and XXXX XXXXXXXX XXXX I received a call back from XXXX or XXXX at XXXX XXXX XXXX after a week of no one having a record of any phone call attempts she fabricated 2. I was told that my number was disconnected according to them on XX/XX/XXXX I have attached my phone bill and if necessary can allow you access to my account to pull the bill yourself. there is no time on any of my bills I can see a call from the servicer ever and my phone was as you see working fine -- also they fabricated a call to a second number on XX/XX/XXXX and that person confirmed and will sign a sworn statement to that effect is this goes to court that no call was ever attempted. I also gave permission for voicemail even if it was a recorded message I got no recorded messages because they are lying about calling. I lost a mortgage my broker is also willing to give a statement as well. Failure to properly communicate about this debt, payment change ect is a violation of my rights under fair credit reporting and needs to be rectified. I have consulted an attorney who advised me to exhaust all available avenues which is what I am doing. as you can see from the attached email chain the mortgage situation is real no fabricated
Complaint sub-issue: Threatened or suggested your credit would be damaged

I went to court for this issue. Was told by the judge to pay XXXX XXXX in the amount that was owed of {$1800.00} by XX/XX/XXXX, 2012. I went into the office to give the property manager a chashiers check if {$6000.00} but was told they couldnt accept any money from me. I few weeks later all of my belongings were thrown out into the alley behind the building.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I found that the property management company from the apartments I recently moved from sent an item to collections without notifying me of the debt. I had been told previously that I owed nothing further and had left a forwarding address. I was also told this debt was for utilities billed for a time period after I had already moved out, turned in my keys, and terminated the lease. 
I did contact the collections agency at this time. They informed me that there is nothing they can do, that I must contact the property management. That it was there responsibility to inform me of the debt. This is something that never occured. 
The property management told me that they have no control of it. That the debt was already sent to collections and even though they made a mistake, they could not get it removed from collections. That that is the responsibility of the collections company. 
I disputed this debt with XXXX, XXXX, and equifax. 
XXXX and XXXX  took immediate action and removed the item from my credit report. 
Equifax stated the item was removed. However, at the beginning of XX/XX/XXXX, I found that the item was still there. I disputed the item again. The item is still there although the dispute has been completed. I am unable to view the dispute results. The pdf will not open, error messages occur when I attempt to open it. 
This is not my debt. I have disputed it again. Equifax is failing to investigate or take action regarding this item.
Complaint sub-issue: Public record information inaccurate

XXXX, Equifax and XXXX  have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, XXXX, Equifax and XXXX actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the  information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. Equifax has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from Equifax regarding inaccurate information reporting on my file. Once again Equifax has reported inaccurate information on file credit file. XXXX   has not provided any feedback on my request to validate public records. XXXX  has not provided any feedback on my request to validate public records. Please see my attached documents.
Complaint sub-issue: Reporting company used your report improperly

XXXXXXXX XXXX has my debt listed on equifax report, this amount of {$130.00} was paid with the intention of having this item removed from my report, but is still reporting to equifax. When thjs account was paid, the company had promised to remove but they haven't.
Complaint sub-issue: Threatened or suggested your credit would be damaged

My medical insurance handled there portion and left my account with a XXXX balance ... .my insurance was changed and then this collection company appeared on some charges I was never made aware of after the insurance took care of there responsibility.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Complaint sub-issue: Banking errors

I received a promotion offer from Citibank to open an Accelerate Savings account between XXXX, deposit {$50000.00} within 20 calendar days, maintain this minimum balance for an additional 60 days, to receive {$450.00} bonus reward within 30 days. I opened my Citi Accelerate Savings account on XX/XX/XXXX, deposited {$50000.00} by XX/XX/XXXX, my balance has since always been above {$50000.00}, but after waiting the required 60 days plus another 30 days, I have not received the promised {$450.00} bonus. 
On XX/XX/XXXX, XXXX PST I called Citi and spoke with a representative named XXXX XXXX who verified that the promotional offer was attached to my account and that I qualified for the bonus. She filed a promotion dispute and stated Citi will resolve the matter within 15 days. 
On XX/XX/XXXX, XXXX PST, I called again and was told the dispute was submitted but takes 20 calendar days. The representative, Era, had no ability to apply my due bonus and the security team who does allegedly have the ability to fix this issue, can not be put in contact with me, the customer. I fulfilled all the requirements, also confirmed by Citi 's representatives, and should not have to wait endlessly for the bonus promised to me, dance through this bureaucratic ring-around, and make multiple calls to try to get my due bonus.
Complaint sub-issue: Personal information incorrect

Equifax credit reporting agency is giving hard time while I called and tried to dispute and remove an address from my credit file which does not belong to me. They asked almost 15 questions over the phone " in order to verify my identity ''. But before asking all this questions they've already verified my identity asking me my full name, my social security number, my date of birth and my current mailing address. They just waist American consumers times. They almost asked me to give a blood test to " verify mi identity ''. Whatever ... They are refusing to remove a former address from my credit file for no reason ( which is reporting in there but never been my former address ).
Complaint sub-issue: Old information reappears or never goes away

On or about  XXXX   XXXX ,  XXXX  Equifax arbitrarily deleted all information on my credit report with the exception of  XXXX  accounts. Approximately  two  days later all the accounts and their corresponding information was re-inserted onto my credit report without their notifying me of this change or demonstrating that re-inserted information was verified.     On or about  XXXX   XXXX ,  XXXX  I notified Equifax of this issue, by certified mail, and it appears they attempted an investigation, but upon checking the investigation status it shows " N/A ''. They have provided no information as to the outcome of the investigation nor have they removed the inserted records.     From my understanding the FC RA, Section 611, a c redit reporting agency is to provide written notification of any records that have been removed and subsequently re-inserted, along with providing documentation indicating how the information was validated. Equifax, in this situation, clearly violated the FCRA and has appeared to have ignored my request to investigate the matter.     Attached is a copy of letter sent to Equifax in  XXXX   XXXX  along with copies of my credit report indicating that all information was removed, then reinserted.