Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

Dates XXXX present I have been trying to work with XXXX XXXXXXXX and XXXX XXXX fix my PSLF count. I have all direct loans, certify my employment each year as recommended, I have always been on the correct payment plan. I have asked for review of my file multiple times, provided proof of autodraft payments and still have had incorrect qualifying payments. Mostly due to an error by XXXX autodrafting the wrong payment amounts, something I was not made aware of until my loans transferred to XXXX XXXXXXXX and nearly a year of qualifying payments were not counted despite my being enrolled in autodraft payments. 

Recently, due to the PSLF Waiver, I was encouraged to consolidate my direct loans because it would lend to the count being corrected quicker than going through another review. I followed this advice, and instead of my XXXX qualifying payments, my count has now sat at zero qualifying payments for two months. No one seems to be able to give me a consistent answer, which is not surprising after years of inconsistent and inept customer service ( for the record I do not blame the customer service reps, but the poor training from admin ). 

As someone who has always enrolled in autodraft payments and consistently paid and done her due diligence for the PSLF program, this has been a painstaking and infuriating process. It should not be this difficult or stress inducing. 

Thank you for your time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Please include 1. Copy of original application 2. My original e-signature of application 3. Full payment history from original creditor.

4. Original purchase agreement showing you can legally collect the alleged debt.

Thank you for your time and help with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I been reaching out to the credit companies and these Creditors for 5 months. I have also filed a cfpb complaint on XX/XX/XXXX and on XX/XX/XXXX they stated they would respond back within 30 days.They have yet to send me any proof of these original application with a signature so I can figure out who did these accounts in my name.I have also sent them a notazied affidavit about these fraud accounts. 
The only Creditor who responded was XXXX and the sent a letter saying this account was opened around XXXX, XXXX. On my credit report it states this was open in XXXX. This is totally fraud on my credit report.
Complaint sub-issue: Personal information incorrect

Multiple names and addresses are being reported that do not belong to me. All of the following information listed below is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX
Complaint sub-issue: Account information incorrect

I disputed my XXXX XXXX / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through XXXX. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to XXXX on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.
Complaint sub-issue: Account information incorrect

This complaint is being filed against Equifax in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX for {$230.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with Equifax on four different attempts to correct their inaccuracies. However, Equifax have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. Furthermore, during my 3rd letter of dispute, Equifax failed to provide me a timely respond. Not only did they not provide me a responds with 30 to 45 days, I had to write them again to inform them that they failed to respond. Still the above mentioned accounts remain inaccurate on my credit report. These accounts do not belong to me! According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair  Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Equifax claiming the account verified, how was it verified and by what method did they verify? Why cant they provide me with the original signed contract as Ive asked repeatedly, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on four occasions. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,
Complaint sub-issue: Information belongs to someone else

Today XX/XX/2020 I went on my annual credit report to get a free copy of my credit report and I saw two accounts that I never opened. The accounts are from these companies XXXX XXXX & XXXX XXXX. I do not have any relationship or contract with either of these companies and I did not allow anyone to open the accounts I listed on this report. I don't know who opened these accounts on my behalf without my permission but I did not benefit anything from them such as money, goods, services or any other benefit and I did not make any purchases or payments towards those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these two unauthorized accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Complaint sub-issue: Investigation took more than 30 days

My name is XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I filed a dispute in regards to the incorrect item on my credit report, it has been well over 30 DAYS and I havent received any investigation results. BY LAW THIS ACCOUNT HAS TO BE DELETED! 

Acct and Acct # : XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Complaint sub-issue: Banking errors

I had initially called Citibank on XX/XX/XXXX to obtain my account number and routing number in order to make my car payment through a different bank. After the representative gave me the information, I called the other bank to make my payment. Thirty days later, I received a notice that my payment did not go through, so I called the other bank again to make the payment for the past two months ( the current month and the one from the previous month ). Thirty days later, I received an email from the credit union that my credit score had dropped XXXX points. I immediately called the other bank, and they told me that the account or routing number I have previously provided was incorrect, and that in order to repair my credit, Id need to send a letter from Citibank, stating that I was provided with incorrect information. I called Citibank, and they provided me with the correct number, so I knew the representative who I previously spoke to gave me the wrong account number. I spoke to supervisor, XXXX, and was on the line for 45 minutes. She got all of the information she needed from me, and told me that it was approved for the letter to be overnighted to me, and Id be receiving it the next day. The letter never arrived. I called back and spoke to another supervisor, and he told me that I was provided with misinformation, and the letter was rejected by another department and to try calling my local branch to have it sent. I called my local branch and the branch manager said that since the issue was through customer service, it had to be done through them. The supervisor at Citibank was passing the baton. I have called Citibank at least five times after that, and was told that a manager would follow up with me, but I never received any update. I was told they needed to review calls, but nothing was done. The final time I called, I was told to wait until today ( XX/XX/XXXX ), and theyd have an update for me. I called for the last time, and apparently, there were no notes on my account from any of my previous calls. Citibank supervisors are no doing as they say they are, as so many promises were made, but none of those promises were kept. They are liars, and need to be reported. It is a shame that they treat long time clients this way. Because of them, my credit is ruined, and they did absolutely nothing to help.
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent my 1st letter disputing inquiries back in XX/XX/2020 to Equifax and XXXX. I never received a response in the mail and I also called to verify Equifax received the letters. They didn't verify it even after supplying tracking number. I resend the letter again and received a response back from Equifax and XXXX that the inquiries were verified. I then sent a letter requesting method of validation and never received a response. I even called to creditors myself to request record of my alleged inquiries and the creditors don't have record. So I know Equifax and XXXX are truly not investigating and stalling. Because I requested proof of investigation and didn't receive a response.
Complaint sub-issue: Banking errors

Ally bank ran a promotion where they would pay a bonus of {$250.00} if you deposited {$25000.00} or more by XX/XX/20 and kept it on deposit until XX/XX/20. 
I complied with these terms and they are now refusing to pay the {$250.00} bonus to me. 
Thats not right
Complaint sub-issue: Account information incorrect

I was making my payment to XXXX XXXX which is who was my original lender. I did not know my loan was sold to XXXX XXXX XXXX. I only had my loan for 3 months before it was sold to another loan and did not know where my money was going. I request that the late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be changed to current, due to the fact that I made the payment on time but was not aware my loan was sold to another mortgage company. Now I have my account set up with the correct mortgage company I will have no issues with making on time payments to the correct lender. My credit score has been affected due to this misunderstanding.
Complaint sub-issue: Problem with statement of dispute

I am a victim of identity theft, I have filed the necessary affidavit with all three CRA. The original creditors are disputing this information, the CRA is refusing to remove the items that the thief used. Its impacting my livelihood and ability to obtain credit. I have sent them numerous letters, refiled the affidavit. To no avail.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

Trying to remove disputes with XXXX and Equifax is beyond difficult. 

Agents have different answers and cant seem to fix anything correctly.
Complaint sub-issue: Received bad information about your loan

I am concerned with predatory practices which took place over 20 years ago. I was a federal student loan recipient and when I graduated from medical school I was told to consolidate. I chose AES to do the consolidation. As a 20 something who was facing 100K+ student loan debt I agreed to go with the company. I did not realize that I would never be afforded the same rights and protections as a federal loan recipient. I have been dutifully been paying for 20 years and had to refinance part with another lender last year for better interest rates. They would never speak with me about lowering interest rates, and split my payments so the majority went to interest. After 20 years I still owe approximately XXXX. On several occasions through the years my payments were misapplied ( due to my online bill pay being used and not their website ), and when I called they were " fixed ''. I also had to go only to their website to pay or they would split payments. When I requested a full transcript last year during refinance none of these errors were noted. I feel like they have adjusted the transcript to not accurately reflect my account. The one loan I could not refinance is because they say it was not an education loan. They would not admit that it was for a XXXX XXXX Assistance XXXX ( XXXX ) as it was used to pay off a XXXX loan. So its a new loan and I had to keep it with them! I don't know what to do besides to keep on paying however when I read about your department today i thought I would report it. I figure I am stuck and I understand that but I believe AES/PHEAA were dishonest with me years ago to my detriment and the detriment of my family.
Complaint sub-issue: Overdrafts and overdraft fees

I'm filing this complaint as my case with CitiBank wasn't handled correctly. My son was a victim of identity theft, in which CitiBank confirmed this. Please see the attachments. They withdrew {$1500.00} from his account in which I was joint owner on the account as well as did a {$4700.00} wire transfer. CitiBank responded and stated that he was scammed and unfortunately there's nothing they could do. Well my attorney gave me this literature and told me to try to get this corrected before filing a lawsuit against CitiBank. 

Please look below, because according to CFPB 1005.6 Liability of consumer for unauthorized transfers. this is covered and we should only be liable for {$50.00} ( a ) Conditions for liability. A consumer may be held liable, within the limitations described in paragraph ( b ) of this section, for an unauthorized electronic fund transfer involving the consumer 's account only if the financial institution has provided the disclosures required by 1005.7 ( b ) ( 1 ), ( 2 ), and ( 3 ). If the unauthorized transfer involved an access device, it must be an accepted access device and the financial institution must have provided a means to identify the consumer to whom it was issued. 

( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : 1. Application of liability provisions. There are three possible tiers of consumer liability for unauthorized EFTs depending on the situation. A consumer may be liable for : ( 1 ) up to {$50.00} ; ( 2 ) up to {$500.00} ; or ( 3 ) an unlimited amount depending on when the unauthorized EFT occurs. More than one tier may apply to a given situation because each corresponds to a different ( sometimes overlapping ) time period or set of conditions.

2. Consumer negligence. Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. ( However, refer to comment 2 ( m ) -2 regarding termination of the authority of given by the consumer to another person. ) 3. Limits on liability. The extent of the consumer 's liability is determined solely by the consumer 's promptness in reporting the loss or theft of an access device. Similarly, no agreement between the consumer and an institution may impose greater liability on the consumer for an unauthorized transfer than the limits provided in.

( 1 ) Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.

I called you guys immediately when we noticed the account was negative and the next day I went into a branch and sat for 2 hours.
Complaint sub-issue: Trouble with how payments are handled

My student loan servicer, Nelnet, harasses me and threatens me with default even though I have made regular, steady payments. Often more than one payment a month. On my credit report, my loans are reported as XXXX different accounts. When my payments are made, Nelnet applies them to just XXXX accounts. The other XXXX accounts appear to have no payments at any time. I have inquired to Nelnet and they have never responded. They continue to send me letters, emails and leave phone messages requesting additional payments..
Complaint sub-issue: Can't close your account

I am a victim of identity theft. On XX/XX/2021, I received in the mail a new debit Mastercard for a new checking account at E-Trade Bank that I did NOT open. I immediately called E-Trade, waited 30 minutes on hold, and the rep told me that the account was " restricted '' and that he couldn't close it but it would 'eventually ' be closed. I asked that the fraud dept ( which was not avail on a Saturday apparently XXXX contact me. By XX/XX/2021, I still had not heard anything, so I called again. The rep again told me that the account was 'restricted '. She tried to close it for me but was not allowed to close the account. She stated that the 'restricted ' account could be opened if identifying documents were faxed in. I told her that since the fraudsters have all of my information, they could easily make and fax in false documents. She offered to transfer me to the fraud department but noted that their wait time on hold was 47 minutes. She said she would put my information in the queue and someone from Fraud would call me that day or the next day. No one ever called. 
I also submitted a request via email ( XXXX ) and received no reply. 
I want this account closed. I do not want to sit on hold with ETrade anymore. I want them too have easier access for consumers to the fraud department.