Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get other flexible options for repaying your loan

This issue all began when SallieMae stopped auto charging my bank account without notifying me. At this point in time, I was diligently making on-time payments ( while in school as they wouldn't allow me deferment ) so I did not realize that the company stopped charging my account until this happened. When I noticed after two months that SallieMae wasn't charging my account, I called them to discuss this issue. Immediately the response I received was negative. The man I spoke with told me that I was in delinquency for months, despite never receiving notice about it. Additionally, he demanded I pay the full amount or I was to be sent to collections. I told him that I couldn't pay the full amount upfront as it was over {$9000.00}. I told them that I would like to stick to my original payment plan, as I will make the continued payments. He became rude and aggressive and wouldn't listen to me. At this point, my father 's credit was affected and now is horrible as he is my cosigner. I am willing to pay this loan, I just can't pay the full amount. I called several times, but the woman I was speaking to XXXX XXXX ( XXXX ) and at first she told me she would help me with arranging a payment plan, this call was today, XX/XX/23 at XXXX XXXX but I need my father present, at the time he was at physical therapy. I called back at XX/XX/23 XXXX XXXX with my father present and suddenly she told me that I couldn't do the payment plan, and I had to pay {$5000.00}. When we notified her that we couldn't pay that amount on such little notice, she became rude and abrasive and tried to hang up on me without continuing the conversation. This left me feeling dejected and alone in my situation. At this point, I asked for the collection departments number so I can speak to them directly and she wouldn't provide me with any information in regards to them. I am very willing to pay off the amount but I need to do it in monthly increments.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now imXX/XX/XXXXXXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Complaint sub-issue: Don't agree with fees charged

This complaint is against Citi Student Loans : I had a loan with the company from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I recently requested a complete break down of my charges because I wanted to make sure I was n't overcharged. I got some of the documentation I requested and immediately determined that the XXXX time interest was capitalized on my loan XXXX/XXXX/XXXX that I was overcharged by {$37.00}. So I called the company to point this out to them and the representatives told me I had to submit in writing how much I thought I was overcharged by and they would look in to it. I explained I had only looked and the very XXXX time interest was capitalized and stopped there because if I was overcharged at that point then everything going forward would have been overcharged. I was again told I need to submit a figure I thought I was overcharged. So I asked if I was being told I had to take the time to calculate the figures for the entire loan including every single payment made over the 5 years I was making payments and I was told that was correct. I told the representative that I 'm pointing out the mistake in the beginning and based on that the company should look over my entire loan, and to ask me to do it and if I do n't that nothing will be done was not acceptable. This treatment seems to be illegal or at least unfavorable to the customer.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Made a car rental reservation [ Rental Agreement # XXXX, XX/XX/XXXX pick up in XXXX, XXXX ] directly with XXXX at the XXXX website ( i.e. NOT a 3rd party website ). Contract showed price of XXXX euros. At time of pick-up, I noted the charges detailed on my rental agreement were incorrect and I questioned it, and was told, " that is just a hold on your credit card in case you don't return the car on-time, full fuel tank, or other misc. charges. It will " wash out '' when you return the car ''. 

When I returned the car, the check-in statement showed XXXX euros -- an overcharge of XXXX euros. I've provided detailed info several times to Citibank. They've provided several responses from XXXX -- none of which makes sense. I can not identify all of the XXXX euro overcharge, but the main item is XXXX euros for " liability insurance ''. My XXXX rental profile clearly states that I decline any XXXX insurance, including liability [ my credit card provides this coverage at no cost ]. Even more confusing, a document provided BY XXXX to CITIBANK and forwarded to me today is a document that I signed at the time of rental stating : " Acknowledgement of Liability : I have decided NOT to purchase Collision Damage Waiver, Theft Protection or Damage Excess Reduction. I am aware that I am liable for ALL damage to the rental vehicle. I acknowledge that XXXX offered me cover but I have declined ''. Next to both of these statements is a " block '' where I had to place my initials. 

Another block further states : " My liability is for the FULL Value of the vehicle and related costs. '' This section required that I sign my full signature. 

So, XXXX themselves have provided information that proves I declined this add-on cost. It seems that Citibank simply forwarded the documents to me XXXX from XXXX XXXX without even bothering to read them. 

Regardless, how can any company think they can legitimately DOUBLE the cost of a reservation/contract with a customer with unsupported charges!??! 

A further irritation with Citibank is that they provide 4-6 weeks for the company XXXX XXXX XXXX to respond, but allowed me only 10 days to rebut. The most recent letter, although dated XXXX was not received until XX/XX/XXXX, and requires my reply by XX/XX/XXXX. U S Postal Service from XXXX XXXX SD to XXXX GA is 3 days ]
Complaint sub-issue: Used obscene, profane, or other abusive language

This is my second attempt to rectify this matter. Hunter  Warfield is in violation and they have defaulted by not responding to my affidavit. I have attached my affidavit again. This is their opportunity to cure this. I have also attached my invoice again. I am attempting to settle these Federal consumer rights violations outside of court. Keep in mind I am a federally protected consumer. I am invoking my specified remedy. Remove this debt and remit payment to me for these violations.
Complaint sub-issue: Information belongs to someone else

Hope this will get the attention that is need because of the abuse The department is Equifax The office of Consumer Affairs. I Will provided the name of the people this complain get to do an investigation This list of issues with Equifax The Office Of Consumer Affairs that unfortunate has make my life a living I feel XXXX if the can get away with what they are doing then we really have a bigger problem. My hope is for this complain will find his way to the authorities who can only address the problem until I will not stop until this get accomplish. Some how my file lander on their hands by system mix file or manually my file was change with incorrect information I was told that my credit report with Equifax was not a right but a privilege and that privilege have been taken away for to use. As such they block my report or reporting credit scores. Because of someone without proper juristic ion feels that they say is what is going to be something is right 1.  Incorrect information on my report ( wrong address, fraud, incorrectly My identity was compromise fraudulent account place on my file permanently creating new issues base on the fact that they did follow as appropriate to prevent what follow 2 It has been 3 months now and nothing have been done i did as much as I could begging then to do something and no one cares Problem with a credit reporting company 's investigation without they having any idea why they made an error they mix my file know what is that are doing what is doing more problem to existing problem which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes trouble placing or extending with a without allow me to have my telephone so that creditor will call me to confirm if I was the one opening an account They denied for me to put a freeze, what they did denied access completely They place wrong address, fraud, incorrectly shows accounts were open fraudulent Problem with a credit reporting company 's investigation into an existing problem All account activities on file is gone What? how? Information belongs to someone else ( identity theft, fraud, error ) Information is missing that should be on the report My employment history was remove gone Account information incorrect ( loan balance, payment amount ) Account status incorrect ( showing open account as closed, showing delinquent account when it 's not ) Personal information incorrect ( they have added new names no mine but they think is mine How? no prove but they reporting it regardless Public record information inaccurate ( bankruptcy, judgment, liens, criminal record )
Complaint sub-issue: Information belongs to someone else

I HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED XXXX, XXXX AND EQUIFAX TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2022, I was fraudulently charged {$630.00} at a hotel I never stayed in. I have reached out to Cash App and filed a dispute for this purchase that was made with my cash app card. I had also contacted the hotel management who assured me this was an issue to take up with Cash App. I filled out all of the appropriate forms asked of me by Cash App, and still no response. It is now XX/XX/XXXX, and I havent even received an e-mail update on my case. During the course of this time I have reached out to SEVERAL representatives via the support chat who have all failed to provide me with any information on my case. At this point I am beyond frustrated that this is how your customers are treated. I utilize cash app for my direct deposits and have been a loyal customer for YEARS. They have absolutely no reliable support that actually cares about your situation, and no protection for your funds! Solve my dispute and stop making excuses!
Complaint sub-issue: Information belongs to someone else

Enclosed are the accounts that must be verified by section 609 with proof of my signature
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  # XXXX THIS ACCOUNT WAS A CHARGE OFF SINCE XXXX AND IS STILL REPORTING ACTIVITY ON MY CREDIT REPORT WHICH IS A VIOLATION.. 
ALSO THE DATE LAST ACTIVE ARE DIFFRENT TRANSUNION XX/XX/XXXX EQUIFAX XX/XX/XXXX I'VE DISPUTED THIS A NUMBER OF TIMES IT ALWAYS CAME BACK VERIFIED THIS ACCOUNT IS REPORTING TO XXXX  AND EQUIFAX THIS ACCOUNT WAS ALSO DELETED FROM XXXX  XX/XX/XXXX BUT XXXX  AND EQUIFAX NEVER FOLLOWED SUIT.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/2019, I mailed a cease and desist communication certified letter to XXXX XXXX XXXX   Project Loan Department. On XX/XX/2019, the document was delivered to their office at XXXX XXXX. On XX/XX/2019, and XX/XX/2019, their company violated the Fair Debt Collections Practicing Act by calling me. I have attached a copy of their incoming calls, cease and desist letter, and other pertinent documents to this complaint.
Complaint sub-issue: Don't agree with the fees charged

.25 % discount was removed and additional fees added. 

student went back to school ... collection of loan payments were halted by servicing agent. 

student stopped attending school ... collection of loan payments resumed without the inclusion of the agreed upon .25 % discount! 

servicing agent erroneously claims that payments were from a " bill pay '' service rather than through " ACH '' payments ... thus ... the justification for stopping the discount. 

we were never notified about losing the .25 % discount. 

our bank records show no " bill pay '' account ... just the original " ACH '' payments.
Complaint sub-issue: Old information reappears or never goes away

RE : PNC Bank - XX/XX/2021, I received a Statement of Credit Denial letter RE : HELOC. In a previous phone conversation, the Representative stated my request was Denied based on my XXXX  credit report.? the XX/XX/XXXX, letter clearly states XXXX  was used not XXXX. Nevertheless, I owe XXXX on my home, my home has been Appraised as high as XXXX, I have a minimum of XXXX Equity in my home and Im being tormented about 4 already paid medical bills, XXXX XXXX  Revolving charge account and my auto XXXX balance which I pay BOTH on time. Im selling my auto this month to pay balance in full. Thats {$300.00} ( payment + insurance ), I can use to keep my HELOC payments on track. Its a pandemic, my payments are current, lots of people can not make their payments but, I can. 
Please assist.
Complaint sub-issue: Problem with customer service

Sallie Mae " account manager '', XXXX, has continued to harass my family and my family 's co-workers ( bosses ) at their places of employment. The SM account manager called my aunt 's boss, at her job and asked specifically for her boss - by name - and then asked if he knew me or how to get in touch with me. I do not personally know her boss, he knows my name - that is it. This is illegal - Sallie Mae 's account manager can not call my family 's co-workers at their places of employment regarding my financial hardship. The call was on XX/XX/2020 at XXXX. 

Additionally, XXXX ( account manager ) screamed at my mother when she was telling him she was at work and would need to call him back, he continued to talk over her and did not listen to a word she was saying. Instead he proceeded to call everyone in my family he could think of calling. 

Yesterday, we asked a manager with Sallie Mae to remove XXXX from my account for his illegal, predatory actions - we were advised that my account manager could not be changed. 

I would appreciate some guidance or assistance.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Due to unemployment ( due to Covid19 ), I request payment assistance several times on my Macy charge. Rather than provide deferred payment assistance, Macy 's checked my XXXX credit and decreased my credit limit on XX/XX/XXXX while my account was in a payment deferred status. I requested payment assistance again in XXXX, but it was denied without any option available to assist with payment. Please note that I've never been late on any credit cards including the Macy 's card until Covid19 led to the closing of my company. I've attached a letter that I received from Macy 's after requesting payment assistance and the email reply from Macy 's denying payment assistance in XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act : Account Name : XXXX  XXXX, Account Number : XXXX has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not yours

I am filing this complaint because my rights as a consumer have been violated under the FCRA because I have not heard anything from this company in 90 days regarding my disputes and I have sent two dispute letters requesting a debt validation to PRO COLLECT and all they sent me is a template response
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX FIN XXXX XXXX  XXXX XXXX  XXXX AUTO XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX BANK XXXX XXXX A XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX BANK XXXX  ) XXXX
Complaint sub-issue: Information belongs to someone else

I have been disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Complaint sub-issue: Information belongs to someone else

I noticed some accounts while looking over my credit report recently that are incorrect. These accounts are not mine and are fraudulent. I have not given access to my credit report to anyone so I do not know how this could have happened. Please investigate this issue and have these fraudulent accounts removed from me credit report so that I can obtain new credit.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have called this company, CKS PRIME INVESTMENTS XXXX and I don't know who they are and what they have allegedly lent to me. From what I can see, they are a debt collector and not a creditor. They do not have a license to provide credit and I do not recall ever having received credit from them. They have not provided debt validation according to the Fair Debt Collection Practices Act or the Florida Consumer Collection Practices Act. They are extorting me by appearing on my credit report as a creditor that I have not paid. I do not know this company and they need to remove themselves from my credit report. They are impeding my home buying by reducing my credit score. Due to the low score, I will have to buy my rate and that will cost me extra money at the closing table. I demand that they prove that I have a contract with them and that they have lent me money. If they can not, I demand that they delete this fraudulent account from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I sent XXXX XXXX a goodwill letter to ask to have account removed from XXXX credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.
Complaint sub-issue: Problem with personal statement of dispute

First Equifax did not full investigate the reinsertion of XXXX XXXX for XXXX XXXX. They can not produce evidence of said original bill. XXXX investigate and found my information to be accurate and removed the account for {$1700.00}. Not once since I started disputing did I receive any written notice of this " new bill '' or a copy of old. Was not notified within 30 days. I started disputing in XX/XX/XXXX it is almost XX/XX/XXXX. This account was added in XX/XX/XXXX, removed and added again XX/XX/XXXX like a new account. Next Equifax put every word I wrote in my complaint to consumer finance on my credit report as a statement from me. I never requested that it be added. I submitted a complaint not something I wanted added so when a company pulls my report they do n't see a huge paragraph from me. I 'm not sure who or why it was added but I never requested a consumer statement be added and o do n't think it 's professional to add a private complaint to my credit report without my permission.