Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

this is about t he 100th comp laint about discover i am requesting arbitraiton at their expense as i am alleging disciminatory practices with me. This is the last straw. I am tired of being tracked to superivsors told i have no balance upon which interest is being billed only to get a bill of interest and other.I was told AFTER discover reported me to credit i could get a promo no interest on my card someone would call. Now i am told there is none. This is liken to a predatory loan practice wherein i am being tracked, bulled and being difficult / Bottom line with my overall financial situation i have many legal remeides available. I wont be bullied anymore. I want the promotion. My choice has been to not pay the bill then they report me to credit reporting but the promo of no interest i request is ignored. All CFPB has done is watch my complaints be sent to th e SAME P erson  XXXX   XXXX  who now leaves his name off but still is the sole decision makee who stone walls all my concerns. resulting int he end of 26 YEAR RELATIONSHIP. I will go to court, do what it takes as i currently seek out legal counsel but i will not pay interest be treated differnetly than others, nd be treated as my other complaint indicates like a career disputer. I disputed something and i am treated differently. difficult like i am making it up. I will not stop pursuing no interest on my cards promos there must be. I wont pay interest and i wont have my choice be worse or worser that is pay it becuase dsicover is being difficult or be reported. DO NOT MISSTATE as you have before  XXXX   XXXX  my concerns. I request the person who responds name himself or herself and assist me failrly or i will proceed to protect my consumer rights. No itnerest is being paid on  XXXX  on  XXXX  i was told months ago no interest. all is paid which appears to have been inaccurate. there is no money and no way i will pay these fees. i demand to be treated fairly. if on   XX/XX/XXXX  when i paid  XXXX  i was told there would be asomeone calling me to offer a promo no interest it never happened. i demand it. and will not stop til i get it. if it mea ns ourt so be it. Discover is  prompt in reporting a long good customer who they have totally alienated to credit when i refused to pay  XXXX  but they wont offer me a promo of no interest. then i will file a lawsuit. but i wont be bullied, discriminated against which i am alleging based on the fact that NO issue has been resolved fairly by an unbiased party yet. Arbitration please or court. Whoever answers this MUST id himself. not   XXXX   XXXX   who seems to mis state my concerns, send what i dont ask for etc. I want what i was told i would get or i want arbitration. then i want ouf of there. I want CFPB to note the concerns have never been resolved and i am absolutely alleging bullying. i have not used any of my cards in months and dont intend to. I would have to be reimbursed my time and upset for how i have been treated. bill interest all you want i want promotions of no interest
Complaint sub-issue: Didn't receive enough information to verify debt

This " XXXX XXXX '' electric bill originated in XX/XX/XXXX. The supposed current balance is {$560.00}. The statute of limitations in Michigan is 6 years. I have been directed to several companies, and no one has produced any paperwork. XXXX  has already approved the dispute and has removed it from my Credit Report. I am just hoping this will encourage XXXX and XXXX to follow suit. For approximately 6 years, I never received any correspondence for this account, nor any calls. This item popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing, this item should be removed from all XXXX of my credit reports. Due to the time sensitivity, I am hoping that this will expedite the removal process from the other 2 credit bureaus, XXXX and XXXX. Once again, XXXX has already deleted the item. Please help.
Complaint sub-issue: Account status incorrect

this account with XXXX XXXX XXXX account number XXXX Date Opened XX/XX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue
Complaint sub-issue: Information belongs to someone else

I recently upgraded a membership on the Equifax website, i called equifax after checking my credit file and noticing my personal information was part of their data breach back in 2017, I spoke with someone at equifax over the phone and told them that it appears a fraudulent suntrust and XXXX accounts were placed in my credit profile report along with inaccurate information including addresses and different spellings of my name. i was told that those fraud accounts and addresses would be removed within 24 hours but they are still showing in my account.
Complaint sub-issue: Problem with customer service

I have had a problem with customer service at XXXX Fed Loan XXXX every single year since I moved my federal loans to them in XXXX. This in turn has cost me thousands in interest. Every time they make a mistake, " lose '' or arbitrarily double or triple my payments, I spend an hour on the phone with customer service and then they place my account in a forbearance for a few months in order to get their internal errors fixed. Additionally, I should be XXXX years into PSLF, but due to their errors many of my payments do n't count. 

My most recent issue is as follows. I applied to switch from the XXXX plan to the PAYE or REPAYE in XXXX. In XXXX I received a message from XXXXFedloan that they received my application. And I also received notification that my payment went from {$710.00} to {$2400.00} for XXXX. 

I called customer service on XXXX/XXXX/XXXX and spoke with XXXX. She stated they need a 1x payment in order to switch to REPAYE, and I informed her I could n't pay the full amount. She told me not to worry about it, and that she would put a " reduced payment forbearance '' on my account allowing me to pay a reduced payment of {$800.00}. She stated this should be taken care of before my account was due on XXXX XXXX. 

However, she only placed the " forbearance '' on 2 of the 6 loans I have ( and the smallest 2 at that ). My account is now delinquent for {$2400.00}, and I am missing another month of PSLF eligibility and will likely miss XXXX as well since they have to fix this error, and than accept a 1x/payment before switching my account. 

This company is terrible, and it is unfortunate that I have no other options since I am seeking PSLF working at a non-profit children 's hospital.
Complaint sub-issue: Reporting company used your report improperly

I have submitted multiple letters to XXXX and XXXX Bureaus requesting the account listed below reported not only fraudulent but in multiple violations ..... 

XXXX XXXX # XXXX 15USC 1681 SECTION 602A states I have the right to Privacy 15USC 1681 SECTION 604A section 2 ... states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/2020 I received a letter from XXXX XXXX stating that my car loan was denied due to the fact that my credit was pulled from SageStream LLC, a company I have never heard of and I am concerned that they have all my information in their system. The 3 credit reporting agencies and bureaus that I trust are the 3 well known ( XXXX, XXXX   and XXXX  ). To my knowledge, these are the only reputable and valid credit bureaus. 
My credit score through XXXX is XXXX which is considered excellent. However, Sage Stream gave me a credit score of XXXX through their system which affeted my ability to get the loan approved.This is faulse information being circulaed about my credit history and score. 
My concerns are as follows : 1- I am not comfortable with having a random company that claims to be a credit reporting agency to collect and share information about me. 
2- The information that is being shared with the lenders is faulse and does not reproesent my credit history accurately.

3- I would like SageStream LLC to remove my information from their system as I believe it vilolates privacy rights and it also gives faulse and inacurate information about my credit that contradicts what the 3 major credit bureaus ( XXXX  , XXXX  and XXXX  ) credit score says about me.

4- Sage Stream LLC is providing inaccurate credit scores about consumers which results in loan denials or loan approvals with very high interest rates.
Complaint sub-issue: Account status

When I applied for a mortgage loan I found out that there were XXXX items on my credit report related to medical bills. Both items have been paid in full through my insurance and the balance paid by me. Yet both appear on my credit report as a debt that is in collections. I have checked with both offices and they indicate a zero balance.
Complaint sub-issue: Debt was paid

I was covered by the indigent/charity care program at the hospital and have been told by hospital there is a {$0.00} balance
Complaint sub-issue: Their investigation did not fix an error on your report

I'm submitting this complaint today with the assistance of an attorney due to the negative impact this negligence had on my credit report. I've listed the account in question and a copy of this is also being submitted to XXXX XXXX along with my supporting documentation. I'm also forwarding this to XXXX. 

Account : XXXX XXXX XXXX XXXX XXXX was sold to XXXX and then sold to XXXX. 
Current owner : XXXX Payments : On XX/XX/XXXX, I paid {$580.00} to XXXX. I've attached the bank statement that details clearly the monies being taken out of my account on said date. 

XXXX : XXXX XXXX reported me " late '' for the following months in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX reported me as " late for the following months in XX/XX/XXXX and XX/XX/XXXX Follow-up : I called XXXX less than 7 days ago and asked for a letter stating that payment was made ad received XX/XX/XXXX. The letter I received states that payment was received XX/XX/XXXX. 

Problem : A. This is not the date it was paid. Even if this were so, how could XXXX XXXX even report me as late after an alleged payment in XXXX was made? 
B. In addition, how is it possible that XXXX XXXX is reporting any late payment ( s ), when they are not the owner of the account? 
XXXX The statement sent to me by XXXX is false regard the date they're stating payment was made My attorney has recommended that I first reach out to the CFPB to make my complaint prior to moving forward in any other legal manner. This is false information reporting on my credit file and the account must immediately be deleted from my credit report. I'm aware that creditors can not just " verify '' without proving paperwork to substantiate their claim, especially when I've pointed out that this information is false. 

This account must be immediately removed from my credit report. The fact that the bureaus allow for this reporting to continue is clearly negligence on their part, as the factor listed in section Problem : B of this complaint.
Complaint sub-issue: Debt was paid

I owed a debt on a pass due traffic ticket to Alliance One. In XXXX, they intercepted my state tax refund of {$190.00}. In XXXX i qualified for the XXXX XXXX program reducing what I owe to about {$88.00} including the {$50.00} processing fee. I paid the processing fee up front on XXXX XXXX. I should get back approximately {$150.00}, but Alliance One claims this money is theirs to keep because the tax refund intercept is considered a payment that is irrelevant to the reduction of the traffic fine. I suspect this is a fradulent claim.
Complaint sub-issue: Can't close your account

My Citibank checking account was involved in a series of ACH withdrawal fraud. I first realized this on XX/XX/XXXX. Since then I opened a new checking account on XX/XX/XXXX on the recommendation of the Citi fraud security team. I tried to close the account in the branch while opening a new one and the banker did not close them, she claimed she froze them. I then learnt a couple days later that it was not frozen. There were dozens of phone calls made to the security team to solve this problem. 

There were many credits issued for the fraud and I was promised that the account would be closed. It has been almost a month, with no resolution still. On XX/XX/XXXX I was called by Citibank because they wanted me to process the payment on my old account since some of the credit were debited back but by then I had no access to my old account as it was already frozen while waiting for the results of the investigation. I was promised that I would be called back on XX/XX/XXXX or XX/XX/XXXX once the payment went through with a resolution to close the checking account. I am tired of waiting and I do not have any more time to deal with this. 

The data breach has caused many accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXt ) to be opened in my name and Citi promised to reach out to them during the investigation and helped close those accounts on my behalf. However, I had to do it all myself and Citi did not seem to do what they promised to. This could be a data breach on Citi 's end that exposed my SSN and other credentials. I could conclude this because I connected all of my other checking accounts ( XXXX, XXXX XXXX, and XXXX ) to any other financial institutions alongside my Citi account but only my Citi account got frauded. Up until last month, I did not know that Checking account fraud existed at all. There are many other institutions that have accounts probably opened under my name ( inferred from ACH Withdrawal ), namely XXXX XXXX by XXXX XXXX, XXXX. I have not contacted them yet. I need Citi to contact them and close those accounts on my behalf as promised.
Complaint sub-issue: Account status

I went on line to Equifax to get my credit score which was XXXX. I have never had a score below XXXX. I called and got no where. Also sent emails to them after checking my XXXX Fico Score of XXXX and my XXXX Credit Score of XXXX. Presented those to XXXX but primarily got the same answer that they could n't do anything about it. They are incorrect. What can be done? 
Thanks, XXXX XXXX XXXXXXXXXXXX
Complaint sub-issue: Debt was result of identity theft

IC Systems and XXXX have been provided the Identity Theft report regarding an account that was the result of ID Theft.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any inquiry that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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
Complaint sub-issue: Threatened or suggested your credit would be damaged

COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Sent to Regulator FTC XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Company responded Account was closed by consumer for poor service!
Complaint sub-issue: Was not notified of investigation status or results

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
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 ( Original Creditor : 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 instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I sent a dispute to a creditor named XXXX about an incorrect, inaccurate reporting on my credit report. I submitted the complaint to the address reporting on my credit report this letter was sent certified return receipt requested so that i can keep a track of when the creditor received my dispute. I continuously monitored the tracking of this dispute, and as of the time of this dispute according to the United States Postal Service tracking service my dispute is still in transit. On XX/XX/2019 I received my dispute letter returned to me as " return to sender, no such number, unable to forward ''. I then sent a dispute letter to Equifax on XX/XX/2019 stating that since the creditor has provided false information to them about me and provided a false address i am requesting this item be removed immediately. I never received a response from the creditor about my dispute ; however I received a copy of my Equifax credit report with result comments of " the following fields have been modified '' still showing the incorrect address and incorrect, inaccurate reporting data. i am not sure how they were able to update my credit report given the creditor is reporting an inaccurate address and they also failed to mark my account as disputed within the given 30 days.
Complaint sub-issue: Don't want a card provided by your employer or the government

On XX/XX/2020, I received a U.S. Bank Reliacard for unemployment. I am retired, not unemployed, and did not request this card. I have tried calling U.S. Bank at several different phone numbers to report this but each number requires me to give information over the phone that concerns me. I do not wish to activate this card. I want to report it as fraud and possible identity theft.
Complaint sub-issue: Information belongs to someone else

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( 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
Complaint sub-issue: Can't decrease my monthly payments

I have sought income based payments. The majority of my loans qualify for the income contingent repayment plan. A very small number only qualify for the income based repayment plan. Nelnet has placed all of my loans in the more expensive income based repayment plan even though it is not the best option for all of the loans. When attempting to correct I am told our calculator says you belong in income base repayment and unable to get anyone to listen and look at it beyond plugging numbers into a computer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

sent them information about inquires that are not mine they just left on there XXXX XXXX equ
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. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXXDate of Inquiry XX/XX/2020 2020
Complaint sub-issue: Was not notified of investigation status or results

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove 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 for litigation due to the stress it caused me
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.