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

In XX/XX/XXXX, I asked NELNET to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, NELNET sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low XXXX XXXX to low XXXX on all 3 credit bureaus. I went back and forth with NELNET the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by NELNET that the new servicer will not report the late payment. Despite showing NELNET accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have NELNET corrects the error on my credit report. 
thank you.
Complaint sub-issue: Problem with customer service

Hello, I applied for XXXX XXXX in 2020 and I am a part of the class action lawsuit in XXXX XXXX XXXXXXXX. I still have no updates to my application as my loan is supposed to be discharged. My school, XXXX is on the list for the class action and I have probable cause for discharge.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX, I made a timely online banking payment to my XXXX XXXX Citi Visa card ( Citi ) in the amount of {$1000.00}. On XX/XX/XXXX I noticed late fees for non-payment on my statement and I started to investigate. I checked my bank, XXXX, online banking records and verified my payment was made and sent before the deadline. I called Citi and explained that the payment was made and that I would provide confirmation. I printed my confirmation and mailed it to Citi and thought it would be resolved ; however, Citi sent me a letter several weeks later and said they never received the proof. They advised me then to fax the proof to them, My bank, XXXX, faxed them the proof. After my bank faxed the proof, two weeks later, Citi sent me a letter stating they never received the proof ; however, in the meantime, I received a letter in the mail from Citi stating they received the payment but it had an incorrect account number on it so they sent it back to my bank. Citi did not provide their " return '' of fund tracking information and the funds never showed up in my bank account. I called Citi and asked for their tracking information, return of my payment, and they could not provide. I then went to my XXXX XXXX branch and met with the branch manager who called Citibank. The Citi representative advised him to, again, fax the proof, which he did. Five days later my bank branch manager followed up with Citi and they again said they did not receive proof. Branch manager faxed again. I then receive a letter from Citi stating that they are unable to locate the money ( even though they previously admitted they received it but returned it to my XXXX banking account.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I filed a complaint on 2 companies regarding the same issue back in XX/XX/XXXX - First one on XXXX XXXX = Complaint # XXXX & Second on XXXX XXXX Complaint # XXXX. This is now the 4th time. 
Below is the history with XXXX XXXX - In XX/XX/XXXX, this was on my credit report with ( 1 ) XXXX XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) I disputed these with the credit bureaus and it was removed from my credit report. I began looking for a home in early XX/XX/XXXX and ordered my credit reports to find XXXX XXXX had placed these 2 accounts with ( 2 ) XXXX   XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) again I dispute & it is removed. I was a few days from closing on my home in XX/XX/XXXX when I recieved a call from the Mortgage Broker telling me I could not have the loan because a collection was just filed on my report. I was in complete amazement to find that it was XXXX XXXX again, they had placed 1 account for {$530.00} with ( 3 ) XXXX XXXX. I  filed a dispute with the credit bureaus and filed 2 complaints with Consumer FInancial Protection Bureau, 1 on XXXX XXXX = Complaint # XXXX & the result was the CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and on XXXX XXXX Complaint # XXXX & the result was the Company responded on XX/XX/XXXX & was removed from my credit report. On XX/XX/XXXX, I called my bank regarding a car loan & was told no because I had a recent collection. Ordered my credit reports again & now for the 4th time XXXX XXXX has placed that {$530.00} account with ( 4 ) AFNI, INC. 
Each time XXXX XXXX has sent the account to a collection agency, they change the account number & the date opened. This causes a collection to be on my report & shows late payments which has caused me a lot of grief at a minimum. I have attached copies of the previous complaints I filed with your agency, pages from my credit report reflecting the XXXX XXXX account with the different collection agencies over a period of time. 
Please Help Me!
Complaint sub-issue: Personal information incorrect

In accordance with the fair credit reporting act, XXXX, Equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have a right to privacy. These addresses do not belong to me : 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: Their investigation did not fix an error on your report

I had an auto loan open with XXXX XXXX ( XXXX XXXX ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from XXXX XXXX. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with Equifax credit bureau. I started the dispute and the account was updated correctly. I contacted XXXX XXXX and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely Equifax, XXXX and XXXX. I have started the dispute with all 3 credit bureau It seems XXXX XXXX has some incorrect information on what they are reporting on my account to the credit bureaus.
Complaint sub-issue: Didn't receive enough information to verify debt

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY ENHANCED RECOVERY Account Number XXXX {$68.00} XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This complain is about a dispute on my Citibank Universal card account, last 4 digits ending in XXXX, that was opened last year on XX/XX/XXXX but remains unresolved as of today for a whole year. The case has dispute ID XXXX for an amount of {$5600.00} on a XXXXXXXX e-ticket XXXX Federal regulations requires disputes be resolved in 60 days and no more than 90 days. 

The e-ticket is refundable. It was cancel and XXXX confirmed the refund of the full fare on XX/XX/XXXX. However, only an amount of {$150.00} show up on my account, resulting in an amount of {$5400.00} in dispute. Citibank takes more than 3 months to came back with an investigation result on XX/XX/XXXX. It concluded that XXXX had issued a credit, but did not address the question of why there is only a partial refund of {$150.00} on my account, but not the full amount. The investigation was incomplete, but still they close the case and re-billed my account. 

After further information was supplied to Citibank, the case was reopened. Several communications were made, the last one from Citibank being on XXXX/XXXX/XXXX, in which Citibank told me to be patient. I contact Citi on XX/XX/XXXX again, but have no response from them so far. 

From the date XX/XX/XXXX when the dispute was opened to XX/XX/XXXX to when Citi complete its first investigation, was 106 days, more than the 90 days allowed by Federal regulations. Even then, the dispute remain unresolved and open, and by now it is more than XXXX year. 

In addition, on XX/XX/XXXX Citibank closed my Universal credit card, the reason being returned payments in the last 6 months. This is not true. The account is always current and have exceptional payment history on my XXXX credit bureau report. Also there is no return check and return check fee on my account for the last 6 months. 

According to federal regulations, restricting or closing by creditor of account regarded by obligator to contain a billing error is not allow. Such action is being regarded as an action to collect the amount in dispute. 

Effect of noncompliance with Federal requirements by Citibank forfeits any right to collect from me the amount in dispute and finance charges thereon. I request the refund of the dispute amount and interest into my account, and also the reopening of my account ending in XXXX. 

XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX Account Number : XXXX XXXX AND XXXX I Equifax stated that they verified this account and did not send proof on how they verified this account nor documents showing I gave permission to authorized nor my signature. I need this account deleted asap.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Information belongs to someone else

I have items on my credit file, that do not belong to me, My Identity was stolen. these fraudulent accounts were made thru Identity Theft, I have a mortgage pending, that is when I found out about these accounts on my credit file. they were not authorized by me. I found out that I was also in a data breach with Equifax. Equifax has had so many data breaches, yet they refuse to help consumers in regards to Identity theft.
Complaint sub-issue: Trouble with how payments are being handled

I do not feel the company has responded within a reasonable time frame. It has been 135 days since they have made a commitment that they have yet to honor. 
Please see previously closed complaint # XXXX. Attached to that complaint is the company 's statement on XX/XX/XXXX. It states the following in paragraph 5 line 5 : " When we receive a completed ECF indicating that you are maintaining qualifying employment, a letter updating the total number of qualifying payments you have made towards loan forgiveness under the PSLF program will be sent. '' I submitted the ECF as requested and their response followed on XX/XX/XXXX ( attached in full below ) stating the following : Qualifying Payment Tracking for Public Service Loan Forgiveness In the next few weeks, we will calculate and provide you with notification of : The number of qualifying payments you have made during the qualifying employment period listed above, The total number of qualifying payments you have made during all periods of qualifying employment approved todate, The estimated number of payments that are still required, and The date you are expected to be eligible to apply for forgiveness. 
After we calculate the number of qualifying payments you have made, keeping track of your progression toward PSLF is easy. 


They have done nothing since then. As stated above, it has been 135 days and i feel that i am being forgotten intentionally. I know that these payments can be backdated, but i feel this is a diversionary tactic used to keep me from receiving qualifying credit for my payments until another dirty tactic can be used to disqualify me altogether.
Complaint sub-issue: Other problem getting your report or credit score

My Husband, XXXX XXXX, has attempted to resolve an issue with XXXX XXXX obtaining his Credit Report information and have not received resolution due to Discriminatory Practices exhibited by Equifax with blocking the XXXX XXXX from pulling his Equifax Credit Report. 

We have call multiple times and XXXX XXXX states that they keep the same error message, although Equifax claims there is no XXXX XXXX or Security freeze on his report. 

We Protected U.S. Veterans and XXXX XXXX Americans who are attempting to gain access to financial resources, however, we are being blocked due to Equifax 's illegal biased discriminatory practices. 

He called the Equifax Fraud line 3 times and they assured him they have no fraud alerts, however, they have not updated their database and are on purpose blocking us from obtaining financial credit. 

XXXX XXXX can also attest to this action as well, as they have attempted to run his Equifax Credit Report but receiving no information and specifically stated their error message includes " Report Not available for Delivery ''. 

These are discriminatory practices in attempt to keep XXXX XXXX Americans form obtaining XXXX. 

I also had the same issue with XXXX who is blocking " FIGURE '' Home Equity Online Application from obtaining a Soft Inquiry Credit Report as we well. These are also illegal practices and XXXX states the same thing that there are no Security Freezes or XXXX Alerts on my account. However, when I called FIGURE back to inquire and confirm, they stated they are receiving the same error message on their attempt to pull my credit for progressing to the next stage of the application process to accept an Offer for the a potential Home Equity Line of Credit. 

These are discriminatory practices being exhibited by Equifax and XXXX, as the companies are confirming they have made several attempts to pull credit to no avail.
Complaint sub-issue: Application denied

I applied for citi Sears credit card and was denied for weird reasons inquiries for credit and I wasnt giving a second chance and I called the number and I cant get hold of a live rep and this sounds like scams or Sears is not in business I would like this inquiry remove off my credit report it dont make any sense at all I dont have any other inquiries reported on my XXXX just citi/Sears and I have good credit. I would like a call back from Citibank Sears to get this application reviewed. So far I havent gotten hold of a live rep and I will enclose a letter and my credit report
Complaint sub-issue: Debt is not yours

On or about XXXX/XXXX/XXXX, I received in my home mailbox a bill addressed to me from something called Jefferson Capital Systems , LLC. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
Complaint sub-issue: Account status incorrect

I have 3 things on my credit report that I want to dispute. 

I have an account with AFNI, INC reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/2014. 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XXXX XXXX. 

I have an account with XXXX XXXX that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account on XXXX XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.
Complaint sub-issue: Old information reappears or never goes away

As ofXX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX sinceXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX  and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.
Complaint sub-issue: Information belongs to someone else

These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.
Complaint sub-issue: Information belongs to someone else

I am trying to rent an apartment and today XX/XX/20 I got my credit ran to see if I qualified to rent an apartment and I was told that I was not eligible at this time due to having several accounts in negative standing on my credit history. I looked through my credit report and I saw accounts from several different companies that do not belong to me. I did not open any account with the companies I listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of these debts. I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I was buying an international airplane tickets through XXXX XXXX, when I was about to pay my tickets a promotion was showing at the end " save {$250.00} and earn 40,000 miles when you get an XXXX XXXX, apply now ''. I proceeded to apply and lead me to another page, when I applied, I was approved " Congratulations ... you have XXXX '' but then an email was sent to me that I would received the card between 7 to 10 business days. Which means I can't use the card to pay my tickets at the end, usually at any store when you get a new cc you can apply your purchase to the new credit card immediately but it wasn't the case with XXXX Citi bank for my XXXX XXXX. I called XXXX XXXX and explained what happened, their answer was " is not on us there is nothing we can do about it, you ave to call Citi Bank cc. When I called CitiBank, they said " you have to wait till you receive the actual card to make your purchase ''. Now, the hold for an airplane ticket in XXXX XXXX is 24 hours only, impossible for me to pay these tickets with a credit card that will arrive in 7 to 10 business days. I hope you are able to understand my history, it seems to me that XXXX XXXX and Citi bank are playing with the customers, inciting us to apply for a credit card with the misleading promise that will apply a discount and provide us millages immediately. I believe this is an unfair business practices, and should be review it by the GOV. Thank you very much for your time and hope you can look after us. Applying to a credit card is expensive, then is not fair to be plaid by these kind of wrong practices.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2020, I called Sallie Mae as they had charged the wrong account on file for my loan payments. ( 5th time this has happened ) Following this on the same date I called and requested a refund in the amount of XXXX $ as my bank had hit me with huge overdraft fees as this account is rarely used. The agent I spoke with did not collect the necessary information and did not follow up with me nor did the company as a whole so when I called again on the XXXX, after being told I would here back within 3-5 business days, it was very frustrating to find out the agent did not at all take the necessary information to process the refund. I then sat and waited on the phone for 1 hour 37 minutes talking to a women who then went through the refund with me step by step. After this I called once more on todays date XXXX, and received news that the process still hasnt been approved. I then sat on the phone with a member of their escalations team and she claims that the amount I am owed has somehow been cut in half? This has been a routine with them, taking more money then they should month after month. And when they mess up they take weeks to make it right. This company is ruining lives and needs to be held accountable.