Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXXI received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.
Complaint sub-issue: Account status incorrect

A late payment showed up on my credit report from Loan care on XX/XX/2020. We are current on our mortgage payments. I spoke with a supervisor who stated she wasn't sure why there was credit reporting done today for a XXXX payment. Do to the COVID-19 pandemic, negative credit reporting shouldn't be reported. We even sent them a screenshot of the credit reporting. They said it shouldn't have been reporting during this time. but we need to have it reversed.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 i sent a letter regarding inaccuracurate and unknown things on my credit report to this day over 60 days later I have bit received a response yet. I feel like Im being taken advantage of the and being ignored of my disputes. Section 611 ( a ) its plainly stated that a failure to investigate these items within 30 days gives a reason for immediate removal of those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Other problem

XXXX switched from XXXX to XXXX and chose Citibank as the provider. Citibank canceled my card when I closed my XXXX account. I had a balance and continued to make monthly payments through autopay. Citibank deducted the amount from my bank account automatically. I tried to login into my Citi account online. After a lot of hassle trying to login, eventually I was informed that they closed my online access because my card was canceled. I was unable to access my account online due to their " policy '' choices. Consequently, I was unable to see my balance and the current interest rate. I was also not allowed to set my statement preference to paper billing. Thus I was unable to view my account online and they wouldn't even send me a statement monthly. I was told I could request a statement to be mailed to me, but they will not send them automatically each month. 
In order to request a statement I have to call in and jump through their phone-robot hoops, then wait on hold for a bank representative to positively identify me and then take my request for a paper statement. This is a substantial WASTE of time just to receive information that should be readily available to all customers, all so Citibank can keep their operating costs far below the bare minimum necessary for adequate customer service. 
In XXXX I called Citibank and authorized them to withdraw funds from my checking account to payoff my account in full. They quoted me the payoff balance and I agreed. They withdrew the funds and closed my account. I asked for confirmation that my account is closed and they sent me an email. The email states that my account balance is zero and the account is closed. In XXXX I received an email that my balance is $ XXXX [ between {$10.00} and {$20.00} ]. I clicked on the link in the email to contact them. The link led to a page that never populates, only for the word " loading ... '' appears. 
How is it OK for one of the biggest banks in the world to operate with either severe incompetence or utter disregard for its customers? 

Attached screenshot was taken several minutes after clicking the link. It is the same result after trying multiple times.
Complaint sub-issue: Charged too much interest

I am writing to complain about a credit offer that became a problem and resulted in a substantial additional charge on my Home Depot Credit Card. The credit card number was XXXX XXXX XXXX XXXX. I have cancelled the card.

The credit offered zero interest on a larger purchase from Home Depot. The interest accrued but was not to be paid, as long as the account remained in good standing for the zero-interest rate offer period. To ensure that I could avail myself of this zero interest credit offer on the purchase, I set the card up to automatically pay a specified amount monthly. This approach worked well until the zero-interest credit period ended. 

However, I lost my card during this period and had to order a replacement. The replacement request was a problem because the information source I used to ensure that I was fulfilling my obligations on the card was not updated by Home Depot. This is because the site that I went for checking on the credit card balance never updated for the new card, and as a consequence, never showed the status of this credit offer. 

Consequently, I continued to pay the monthly specified amount automatically. However, once the credit offer term ended, Home Depot applied the full accrued interest balance to my credit card balance, and I was never made award of this adjustment because my electronic access to the credit status card was not updated. 

I realized a few months into this change that my account balance had been adjusted upward for the interest. If I had been informed by the electronic XXXX XXXX digital account site, I would have paid off the credit at that time. 

I believe the automatic payment option is a problem given that XXXX XXXX did not update my electronic access the status of my account. While the person I spoke to indicated that I had been sent notification via XXXX notices, I did not receive them. This may have been because of a couple of addresses changes that had occurred in the interim. However, I did have XXXX forward my mail, so I do not understand why I never received them. 

In any event, I believe that the approach being used by Home Depot is unfair to consumers as it offers automatic payments but does not update electronic notification to reflect balances on the replaced credit card like occurs with my other credit cards. It appears to take advantage of the false sense of security offered by automatic payments, to lull the customer into believing that they are sufficiently informed of the status of the account. 

I would like Home Depot to rectify this problem by returning the interest that I had to pay to pay off this account. Please confirm receipt of this letter.
Complaint sub-issue: Account status incorrect

My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing XXXX.
Complaint sub-issue: Trouble with how payments are being handled

Hi, I consolidated my student loans with XXXX XXXX inXX/XX/XXXX and it appears my loan was sold to XX/XX/XXXX who changed their name to American Education Services ( AES ). My original loan amounts are as follows : 1. Beginning balance {$2400.00} ( sub ) Current balance {$2300.00} 2. Beginning balance {$1900.00} ( unsub ) Current balance $ {$1700.00} 3. Beginning balance {$14000.00} ( sub ) Current balance {$13000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$13000.00} Totol due as of XX/XX/XXXX {$31000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$31000.00}?? Something is wrong!!! Since XX/XX/XXXX, my payments were between $ XXXX- {$200.00} and as of XX/XX/XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy. Hopefully you will be able to assist me. 

Here is the contact information I have for AES : American Education Services XXXX. XXXX  XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Complaint sub-issue: Information belongs to someone else

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Complaint sub-issue: Their investigation did not fix an error on your report

Many of my rights under the Fair Credit Reporting Act have been violated. Although the original contract was not provided as I asked, they provided documents that stating factual evidence to support their assertion and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ), and 15 USC 1681 ( a ) ( 3 )
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2018, credit card payment of {$10000.00} was made and posted on XX/XX/2018. 

On XX/XX/2018, {$10000.00} payment made was posted on XXXX XXXX where funds were withdrawn. XXXX Bank received {$10000.00} from XXXX XXXX, and it was also verified by XXXX XXXX that funds were released to US Bank. US Bank would not apply {$10000.00} payment made to available credit, even after funds were released ( by XXXX XXXX and received ( by US Bank ) for 2 days, but put a hold on payment for 7 days without valid justification. At XXXX, I spoke to XXXX , representative from US Bank , and advised me to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. All the conversations were being recorded by US Bank. 

On XX/XX/2018 around XXXX, I spoke to XXXX, representative at US Bank in Missouri, advised me again to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. At XXXX, XXXX XXXX sent a fax to US Bank of what they requested. I called US Bank at XXXX, spoke to XXXX , representative at US Bank ( phone recording confirmation # : XXXX ) to check the status of the fax sent, it was received but they still would not release a hold, once again XXXX at US Bank could not provide valid justification. To XXXX, I requested supervisor call back, but never received a call, XXXX never put a request. I decided to go on a trip with trusting what they have advised me ( to release the hold ) on XX/XX/2018, but could not use my credit card because of their deliberate lie. 

This is unacceptable and abusive business practice to American people and this incident should be reviewed by CFPB carefully and also by other government agency who has enforcement capability.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts listed below are reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus neeed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX has broken the law. I did not authorize any of the hard inquiries that I am disputing to access my consumer report. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because of my right to privacy has been breached this has caused me XXXX  distress which is a crime pursuant to title 18. EQUIFAX is conspiring with the furnished company in the continuing violation of my constitutional protection rights. 

The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached identity theft reports, fraud reports and my Identification for these inquiries on my consumer report. 
( Transcript from XXXX XXXX XXXX sent to Equifax )
Complaint sub-issue: Can't temporarily postpone payments

I 'm being sued by national collegiate trust out of state. They never tried to work with me to make reasonable payments. I lost my job and fell behind. My account went straight to collections. I got a job offer out of state and relocated for that job job. They did n't contact me for years and now there is a lawsuit. To make matters worse it 's being filed in Illinois and I no longer live in the state. I can not afford to fly back and defend myself from these charges and they have not served me but I checked the online court docket and a motioned was filed against me in XXXX to be scheduled on XXXX XXXX. I 'm also concerned that the statute of limitations might have lapsed on this debt and that it is not legal for them to pursue me for it
Complaint sub-issue: Debt is not yours

I received an alert regarding a negative account had been added to my credit report. When I called the credit bureaus, they told me the company was XXXX XXXX XXXX for {$550.00}. It shows this was opened in XX/XX/XXXX and reported on my credit XX/XX/XXXX. I told the credit bureaus that I have no knowledge of who these people are and I do not owe them nor have I had an account or any affiliations with them. I also stated that Ive never received any written communication from this company regarding an amount owed to them. I also noticed that they have this account as a charge off on my XXXX report which Ive never had any type of credit card or credit account with them. They also listed this same account on my Equifax and XXXX report under another name called XXXX XXXX XXXX. I spoke with the credit reporting agencies and was told this is the same company and is showing that XXXX XXXX was the original creditor which Ive never heard of, nor have I had any affiliations with them, nor have I receive any correspondence from them. First off if I owed this company, why wasnt I sent written notification? Secondly, seems like they are trying to ruin my credit by putting 2 different bogus accounts on my credit for the same bogus account. My next step is to send this to the FTC and attorney general because I dont see how they are allowed to do this. I take this matter very seriously as Ive already been a victim of identity theft once.
Complaint sub-issue: Problem with customer service

I will try to be exact, but brief. 

I have dealt with XXXX XXXX for a long time. I have been in school or unemployed a long time. This year ( XX/XX/XXXX ) I was worse off than ever before. I had my electricity shut off, and was getting less income than in the past. In the past ( pre-XX/XX/XXXX ), I had a $ XXXX/month payment due to my situation. Yet this year ( XX/XX/XXXX ) I was expected to make ~20usd payment every month. Not awful, but didn't seem to reflect my financial situation in any way. I was worse off this year than in the past, and in the past made {$0.00} payments, so why did this year change? 

They kept asking me for IDR paperwork. I would submit it. They would wait roughly a month, then kick it back to me saying it wasn't correct, and to re-submit. I would re-submit the same thing because it WAS correct. This happened several times. 
I moved in XX/XX/XXXX, and changed my address. Yet they persist to this day, sending letter to my old address. Which adds more time. They send it overseas, it takes 2 weeks to get here, then it's routed to my old address, then re-routed to me. I have tried asking about the account mailing address, but they do no answer about this either. It's correct on the online profile, so I don't know why they keep sending it to my old address. 

Eventually they accepted my IDR. But not after several MONTHS had gone by. With me trying to get them to explain this. Why is this being rejected? It's correct paperwork. Of course I was tacked on to thousands of dollars in fees and late payment stuff etc. 

After finally having the IDR recalculated, and the demand for XXXXusd/month, I asked them why I had to pay anything if I had not had to in the past based on my income. If my income was worse, to the point I had my power shut off here. No reply. 
I repeatedly tried to get someone to look at it, or explain it, or explain why it was rejected originally, or to have these fees removed or addressed by them. No answer. 

After waiting for months, and asking repeatedly for help, and recieving none, I finally made a payment out of fear of defaulting, based on the increasingly aggressive auto-generated account letters they were sending. 

A month later, even though I had made a payment, they claim I have defaulted on my loan. 

I don't understand why, so of course I wrote them. No response in a month now. 
I would not have defaulted if I had gotten even a semblance of any kind of support or help in the last 9 months of trying to get anything on the account serviced. 

From my perspective, they have made the entire process a closed box. I can not get help. Period. It's like screaming into the wind.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM XXXX XXXX XXXX XXXX ) ) Non Domestic, Real XXXX XXXX XXXX To whom it may concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Equifax today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX date - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXXY XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : XXXX XXXX, XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I disputed these medical collections XXXX and XXXX XXXX   in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Complaint sub-issue: Account information incorrect

EQUIFAX AND XXXX ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE DEPARTMENT OF EDUCATION AND XXXX XXXX XXXX. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. EQUIFAX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT XXXX HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE TWO ACCOUNTS STILL OPEN ON MY XXXX   CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info EQUIFAX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER XXXX HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE S DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY CREDIT SCORE