Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

I am still affected by the covid 19 and need another payment waiver. I am not back to work yet.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2021 my account XXXX XXXX which was associated with my Cash App application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution. 

They hacked my account, changing my username to somebody else 's and stole all the money I had saved in my bank.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2019 I was assigned a new account manager since my loans has been in the collections department for some months now due to me missing only 3 months of payment. ( I believe they were XXXX, XXXX and XXXX ) When I spoke with that case manager, I informed her that I wanted to set up my payment for half of the {$300.00} and the other half can be paid in two weeks. ( I have been splitting up my payments in half so they can take money out every two weeks due to me not having {$300.00} all at once. All previous case managers have been okay with doing this for me ) The agent XXXX was giving me push back during the call about the amount that I wanted to pay and instead of setting up my payment she said she was going to put me on hold or transfer me to the loan modification department. Not really knowing what was happening I did wait on the phone for 30 minutes and then I hung up. Fast forward 20 days later I found out that a payment was never set up and that agent put me behind another month for the month of XXXX. I've reached out and talked to multiple agents XX/XX/XXXX or XX/XX/XXXX explaining the situation. The representative that works in the escalations collections department XXXX, was very dry on the phone with me. She sounded like she did not want to help me. Her response was " well what do you want to do? '' My resolution that I thought would be fair is for them to clear the month of XXXX due to an error that was done by their agent. 

XXXX admitted that their agent made a mistake and passed the buck but she also kept stating that I should've called back to make a payment. Even after I told her I never had to be transferred to another department to set up a payment since my information has been in collections. I told her all my account managers have set up my payments but this agent did not want to assist. I then asked to speak with XXXX XXXX manager, she stated he was not available but she would reach out to him to see if they can offer an exception and wipe out the month of XXXX for me. The account manager XXXX that was assigned to me, that works in the collections department never called me back, not once when she figured out that a payment had not been set up. I let the agents know that collections will call you if they are still excepting a payment from you, but this agent XXXX never called back. 

To get me out of collections I have to pay {$1100.00} by the end of this month so I can be back on track for XXXX. I already had them set up 3 payments for XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to take out {$300.00} but that would still leave me short {$270.00} to pay so I am not behind a month. I am not rich by any means and I just want Sallie Mae to be held accountable for the mistake that their agent made
Complaint sub-issue: Problem with personal statement of dispute

My complaint is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I Tel : XXXX. 

I am in the first time home buying process and have asked XXXX XXXX XXXX sending Good faith letters on numerous occasions on my own as well as paid a company to contact them on my behalf of over {$400.00} to remove a negative late payment off my credit file and they have consistently and unfairly refused. 

I have never been late before the incident and after. 

I was out of town on vacation and left my assistant to take care of my affairs and that was the one bill which was an oversite on her part. 

I have a 99 % success payment rating with all three bureaus. 

It is unclear on my credit file when the late payment occured which has been more than two years and no longer affects my credit scores ; it is now XX/XX/2018, I want the adverse item removed. 

It is disturbing, violating and incredulous for XXXX XXXX to hold my credit file hostage over a {$300.00} balance. 

I am filing a complaint with CFPB to urge XXXX XXXX XXXX XXXX to remove the late payment off my credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was affected by XXXX  inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called XXXX  multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus.

The list of inquiries that should be removed from my credit report immediately are as follows : XXXX  : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 6 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX  : 1 ) XXXX XXXX XXXX XXXX 
XX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A Equifax : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX  XX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A
Complaint sub-issue: Their investigation did not fix an error on your report

I informed them that the amount owed is not correct nor is the account number. The buraus said they investigated but asked how was it investigated they sent back the same information. They dates I sent letter was XX/XX/20 and XX/XX/20. The amount {$870.00}, and {$550.00} both accounts went out on the same date and letter.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Complaint sub-issue: Problem with rewards from credit card

Flights were booked through Citi 's online booking platform and agent XXXX XXXX XXXX XXXX for the amount of {$1200.00} - in the equivalent amount of Citi ThankYou Points of XXXX. 
Flights XXXX on XX/XX/XXXX were cancelled in XXXX by XXXX XXXX XXXX due to Covid19 route cancellation. 
XXXX XXXX XXXX refunded the total amount of {$1200.00} back to Citi 's agent XXXX XXXX XXXX XXXX on XX/XX/2020. 
Until today I have not received the refund from Citi or their agent XXXX XXXX XXXX XXXX and after numerous inquiries I'm being told to wait another 3 billing  cycles until the end of XX/XX/2020 and hope that perhaps the refund by then might show back in my account.
Complaint sub-issue: Account information incorrect

on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested XXXX XXXX XXXX XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...
Complaint sub-issue: Information belongs to someone else

There are XXXX accounts and XXXX addresses listed on my credit that I don't recognize or it doesn't belong to me. Can you please kindly remove it? Thank you.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX # XXXX  ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX  XXXX # XXXX ) ( XXXX XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) 15 U.S.C. 1681 Section 602 A states I have to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I received a 2017 XXXX from Discover Bank about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can Discover Bank cancel the debt and still say that balance is valid?
Complaint sub-issue: Charged too much interest

On XX/XX/21, I spoke with XXXX about my account. I advised of hardship and she said that she would put a hold on my account with no payment due. I checked my account today and noticed that I am now due for {$520.00} next month and I am not understanding why when I was told the account would be put on hold for one month. When I spoke to XXXX today I was told that the " hold '' only eliminated late fee but it didn't cancel payment completely and I was unaware of this. As a result, I am filing this complaint.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase of {$85.00} at iXXXX  on XXXXXXXX XXXX XXXXXXXX with my credit card issued by Best buy and operated by CitiBank, then I realized that the merchant is a fraud who disguises themself as a legitimate seller. After I made the purchase I never received any follow-up email that contains the order number or acknowledgment of purchase. I went online and read reviews about this seller then I realized that the seller isn't real and that it is a website operated out of XXXX. I even discovered other websites this seller uses disguised as a real seller. This transaction happened in XXXX and since then I have notified my credit provider about the issue. I also tried to reach the seller but to no avail, even as of now I am yet to receive my order or response from the seller. My credit provider has refused to take this seriously, they keep sending me letters to write in response to my claim which I have done XXXX now. They sent me XXXX responses stating that I am responsible for the payment. Their reason in the letter states that " You did not identify disputed transaction. '' After several phone calls and letters, I still have that balance in my account, and they are yet to explain to me how I am responsible and what the response of the seller was if indeed they contacted the seller for their own explanation of the transaction.
Complaint sub-issue: Account information incorrect

I sent letter via USPS on XX/XX/XXXX and on XX/XX/XXXX Certified requesting the following accounts be verified and I be provided with method of verification. I have NOT received method of verification and received correspondence that information was verified and valid. I have attached copies of all 3 bureaus showing different information therefore information could not have been verified as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX  ) XXXX XXXX XXXX
Complaint sub-issue: Having problems with customer service

My private student loan had originally been serviced through XXXX since beginning repayment in XXXX. When I tried making my XXXX XXXX payment it showed I owed {$0.00}. I contacted XXXX and they stated my loan was transferred to a new lender and that I would be receiving letters in the mail with details. The only letter I received was on XXXX/XXXX/XXXX from FirstMark Services ( my new servicer ) stating that I was behind on payments from missing the XXXX XXXX payment. I emailed FirstMark Services on XXXX/XXXX/XXXX to get more information regarding the situation. I did n't even know who my new servicer was to make a payment. XXXX replied on XXXX/XXXX/XXXX apologizing and that they would look into a forbearance option to catch me up on payments and get back to me. They finally called me on XXXX/XXXX/XXXX. In between those dates, my co-signer and I continued to receive harassing phone calls. As I spoke to the gentleman he informed me that they were ready to begin applying for a forbearance but I would have to verbally apply first. I thought this whole time they were already processing the forbearance due to their mistake. I completed the verbal application and the man informed me that there is a good chance that I would be approved. However, I had to first fill out the application and send it into FirstMark. I tried re-explaining my entire situation because I do n't think they fully understood. But all FirstMark kept stating was that it did n't matter if I never received information I was still responsible to repay my loan because I signed the Promissory Note. I completely understand this but I did n't know who to send my payment to. The representative stated next that it would take some time for them to gather the forms and mail them to me. And if they did n't process it by the XXXX of XXXX that it would be reported on my credit. I asked if there was any options to expedite me receiving the application to avoid this, maybe if I could get the form myself online or if he could email me the forms. He stated that he would email the forms to me and I would be able to receive it within 2 days using this option. This helped ease my mind a bit. Unfortunately, as I am writing this today it is XXXX XXXX and I have not received any emails or letters with the forms I need. This means this entire error they have made will now penalize my credit. FirstMark Services just seems to be playing games and not willing to assist in anyway. I made payments for 8 straight years with XXXX never missing XXXX from XXXX to XXXX XXXX. Now, under FirstMark things have fallen apart.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

XXXX am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

US Bank approved my loan modification agreement on XX/XX/XXXX This began a three month trial period in which each required payment of {$2600.00} was made on time. During this time the Bank notified the Credit Bureus that my payments to the original mortgage were not being made which lowered both my wife and my credit score by XXXX points! 
I was never informed this would happen and only found out checking my credit. The loan modification approval happened on XX/XX/XXXX with all required signatures dated XX/XX/XXXX. Now after repeated letters to US Bank and many phone calls requesting the Bank properly notify Credit Agencies no such action has happened. Both my time and XXXX on my wife and I in not bending able to move forward with new financial matters is why I request your assistance.
Complaint sub-issue: Trouble with how payments are being handled

I have made payments to the bank ( KeyBank ) servicer XXXX XXXX XXXX ( XXXX ) and they are failing to properly credit my account ie. applying payments to federal loans only and not applying to my private loans. As a result they are incorrectly charging penalties, interest and ultimately reporting false information regarding late payments to the credit bureaus resulting in an unjustified low credit score when since XX/XX/2018 I have made multiple payments to them.

I have my bank statements and the email confirmations from their systems regarding payments. I want them to review all of the payments made in XX/XX/2018 to determine where my money is going and to find out if they are properly crediting my account. They also need to remove the late payments and interest for all payments from XX/XX/2018 toXX/XX/2018.

Further, I have mentioned to them that I am now unemployed as of XX/XX/2018and as of this writing they have failed to immediately provide me with proper documents ( why must they mail blank forms in 10 days vs. email?! ) in order to assist me with the restructuring of repayment of my private loans so that there is no default/further interest rate charges. They were able to assist with Federal loan deferment over the phone! They cause unnecessary delays when they can fax or email blank forms to me directly ... its ridiculous. Further, the right hand is not talking to the left. The bank contracts with its servicer to collect payments from me, yet they can not speak to them directly to find out if payments have been made or credited. I have to be subjected to unnecessary harassment by the collections department when my documentation clearly shows I am making multiple payments ... requiring me on a conference call is a clear delay tactic as they should be able to talk directly to the company they hire to collect funds from me.
Complaint sub-issue: Their investigation did not fix an error on your report

Unresolved investigation : I have n't heard from Equifax! 

Equifax reported a tax lien on my credit report that has been vacated by the State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX. 

I provided a copy and Order to Equifax and they have not complied with the order and they have n't removed the Tax Lien, although I provided them the supporting document. 

After receiving supporting documents XXXX and XXXX has removed the Tax lien  from my credit reports as appropriate. 

I am asking that Equifax remove the Tax Lien from my credit report immediately as has been ordered State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In the years of XX/XX/XXXX to XX/XX/XXXX. These amounts were between {$300.00} to {$2000.00}. I don't have the statements for this account since its been a long time. I know that i only used the credit card 1 time for less than {$200.00}. I paid 1 time because that's what i owed. When i realized that I had other stuff being charged on my account i called the credit card company. They couldn't do anything.
Complaint sub-issue: Account information incorrect

Both my bank and myself have tried to get these XXXX  to correct my balance to XXXX. They don't seem to understand that my original loan was incorrectly input into the system so the bank changed its status and re-reported it. They closed the incorrect loan and reported it as a collateralized loan but I then paid off the entire loan on XX/XX/XXXX. I have spoken many time with both Equifax and XXXX and they can't figure out their XXXX from deep center field. I have even sent them legal documents from XXXX showing the loan to be paid in full on XX/XX/XXXX, ( not to be confused with the original loan paid off in XXXX ). There should be 2 loans for the same amount, both paid in full. One loan paid off in XX/XX/XXXX and the other paid off on XX/XX/XXXX reported XX/XX/XXXX. I am going to attach the paperwork sent to the credit bureau and to me. It is the loan being released and paid from the State of AL to XXXX XXXX head of the loan XXXX XXXX XXXX Bank. At this point I am going to obtain legal counsel and then they will be paying for my legal bills. I am trying to refinance my house on a lower APR and they are causing me harm and if my rate goes up because they will not remove the inaccurate information, then my only option is to sue for the difference in my APR over the life of the loan. It seems both XXXX and XXXX have educated people working for them, instead of XXXX. I don't understand why they can't figure this out. It is simple and it has been a problem since my update. They also did not update my information for 2 months, which is inexcusable. They need to hire more highly skilled people instead of people that didn't graduate High School.