Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

Disputed a transaction on my credit karma spend account which was difficult I had to threaten to call my lawyer for them to file the dispute. They then froze my account the following day after refunding the disputed transactions. I have contacted them over 100 times. I am now XXXX  and with out funds for me and my kids because credit karma froze my account without notice or explanation. I have requested to close my account and refund my money back to the bank account I have linked with credit karma. Nothing has been done at all they wont respond or release my funds or close my account. I have lost and tried everything because of credit karma.
Complaint sub-issue: Reporting company used your report improperly

Equifax admitted that personal information was compromised, including social security numbers. Mine was part of this list that was hacked.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : 12 XXXX ), PLUSFOUR INC ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent Equifax two letters disputing the information that they are reporting. I sent my first communication to them on XX/XX/2018I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Complaint sub-issue: Company closed your account

On XXXX XXXX I was out trying to get food when my card declined. I called Citi bank and they told me the account was on a block. They then transferred me and told me the account was getting closed. I had no idea the account was on a block or getting closed as I had used the account and made purchases with it the day ( s ) before. They failed to inform me on what was happening and told me they couldnt give me any more information as to what was happening with my own account. I was distraught that week was payday from both of my jobs and business I have. They kept giving me the run around telling me it was on a block then it was set for closure. The representatives were telling me two different things. Fast forward here I am still getting updates about the account that was supposed to be closed. Even one of my direct deposits I was looking for before I could switch to a different bank had entered the account. I was also not informed of this happening. I am upset with Citi because they have not given a clear statement or reasoning as to why they randomly were closing my account and my money that was left in the account has not been distributed to me in any shape or form whatsoever. Its very unprofessional, misleading and I dont even want to continue banking with them. All transactions were normal prior to the closing of my account and a month later Im still dealing with them not returning my money yet and closing the account like they said they would.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed dispute after dispute and also suppressed my records with LexisNexis due to them reporting inaccurate information in my public records and stating that the pacer service center provided this information. This is pertaining to a bankruptcy that I filed in XX/XX/XXXX and it was closed on XX/XX/XXXX and it was dismissed not discharged LexisNexis verified this information as accurate when it fact it is not accurate an causing total harm to my credit file. So I contacted the XXXX XXXX XXXX and was able to obtain proof from them that this case was in fact dismissed and not granted a discharge and they also provided documentation. 

XXXX I.D . XXXX Debtor Disposition : Discharge Denied Pending status case closed Flags : Repeat CLOSED Filed : XXXX XXXX
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX, I submitted PSLF update for months worked this year. I also submitted a REFUND REQUEST for my payments made under the CARES act between XX/XX/XXXX and XX/XX/XXXX to XXXX. The sum total of those payments was approximately XXXX $ and I submitted records of all payments made ( both my bank account and XXXX XXXX ). I spoke with XXXX, employee ID XXXX. 

On XX/XX/XXXX, I requested an update on my refund request. I spoke with XXXX, employee ID XXXX. She said that the previous entry had been done incorrectly - that all of the payments were lumped when in fact they needed to be entered into separate scripts. She said that she had re-entered them correctly but said it could take up to 120 days for payments to come through. 

On XX/XX/XXXX, I received notice that my PSLF had gone through and I had XXXX dollars left on my loan principal/interest! I was very happy about this but have yet to hear about my refund requests. 

I am reaching out now because I have no updates on my ( XXXX $ ) refund request to this point. I have seen posts from people stating that 1 ) they are receiving refund requests within 10-14 business days and 2 ) often, refund processing was preceeded/helped by a complaint to CFPB. I am requesting your help to get FEDLOAN/Dept of Treasury to please process my refund request, as they are doing for others. Please, I would greatly appreciate anything you can do to speed them up!
Complaint sub-issue: Problem getting your free annual credit report

I have submitted disputes however when I attempt to review the disputes, I receive a message advising that I am not able to review my credit profile.
Complaint sub-issue: Called after sent written cease of comm

COLLECTIONS KEPT CALLING MY CELL AFTER SENDING CEASE AND DESIST. THEY CALLED XXXX TIMES IN VIOLATION OF TCPA.
Complaint sub-issue: Account terms and changes

Equifax ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Equifax 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Equifax provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.
Complaint sub-issue: Collected or attempted to collect exempt funds

XXXX XXXX XXXX, attorney for the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.disregards federal bankruptcy law and  states that a consumers wife 's medical debt due to XXXX is questionable or fraud.
Complaint sub-issue: Problem getting your free annual credit report

Ive tried to call, email and do stuff to obtain the credit report from Equifax. It has not been updated since XX/XX/2018. 
I was trying to refinance my home due to minimal income and unable to do so because they can't obtain my credit report from Equifax! 
This is hurting me drastically! 
Ive filled out all online consumer websites help here and emailed XXXX XXXX and Equifax. 
No answer from you. 
Please unfreeze my credit report now XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Acceptance Rentals, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX  violated my 609 rights byreporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 and XXXX  XXXX XXXX  XXXX to Equifax that i applied for credit in which I never applied for. They have violated my rights to have fair and accurate ninformation on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer protection rights.
Complaint sub-issue: Frequent or repeated calls

Company called my boyfriends number 6 times in a matter of an hour - told him each time they needed my address to deliver important documents. He refused to give them any information. I then contacted the company who refused to at first refused to give me any information on who they were, what the debt was for. Was asking for the last 4 of my social security number ( which I refused to give until they identified herself ). She said her name was XXXX and She was calling on behalf of Financial Credit Services - I told her I would not give any personal information unless she informed me on what exactly the debt was for. Her response was " that 's fine, just be ready to continue to get calls. '' I then told her that since she decided to threaten me with more harassment that I would be contacting an attorney and the BBB and informed her of the statute of limitations on debt collections. She quickly would email the documents ; I asked when and from whom and she said " the office lady when she gets back ''. I asked for a time frame and she could n't give me one and seemed rushed to get off the phone with me.
Complaint sub-issue: Account status incorrect

I have contacted this company in writing 6 times. Twice its been corrected and as is today it has been changed again. This is a direct violation of protections under bankruptcy which has been discharged. Im furious. They keep changing the status to charged off and making sure that the information marks as derogatory. The ONLY acceptable reporting is closed and paid per the law.
Complaint sub-issue: Transaction was not authorized

On XXXX I purchased some home decor from a lady via XXXX pay in the amount of {$1500.00}, however after numerous attempts to get my merchandise with no response from the seller I requested a refund however she never gave it to me so I filed a dispute with my bank which they gave a provisional credit on XXXX almost a month after trying to get this lady to give me my merchandise. Then on XXXX today I receive a letter stating that US Bank will not give me credit and are taking that money out of my account XXXX however I just received this letter and it is dated for XXXX. We did not receive any merchandise and we feel we are a victim of fraud however neither XXXX pay nor our bank is actually researching this person. I have numbers for this person, email, and documentation stating every excuse in the book why the seller never shipped my merchandise and even after requesting a refund she still never gave the refund and now her numbers are just ringing with no voice mail. This is horrible, we paid {$1500.00} out for items we never got and our bank will not help us out. We would really like to get our money back for this items because this effects our business in a very negative way. We need some help getting this money back and our bank will not help us with these fraud charges. 

Please please help us get these funds back. ASAP. 

The bank is US Bank and the lady who is working at US Bank That will not help us is XXXX XXXX phone number XXXX The person I supposedly purchased from is XXXX XXXX her phone number that she gave me was XXXX or XXXX her email is XXXX and she also has a name listed as XXXX XXXX. 

This isn't right nor fair to have to fight this like this but we need our money back! 

All documentation I have is via email, invoice through XXXX pay or text messages from me to this person trying to get my merchandise delivered or picked up. So I am not sure how to provide all that in this complaint but I am happy to provide it immediately via email or fax or some way.
Complaint sub-issue: Account status

I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the XXXX late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Inquiry on XX/XX/2019 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX This is fraud and I have requested that Equifax remove this inquiry
Complaint sub-issue: Investigation took more than 30 days

I sent in dispute and its been well over 30 days and I havent received any response back form them.
Complaint sub-issue: Received bad information about your loan

I was on an Income Driven Repayment Plan last year and didn't have any issues before I had to recertify this year. I'm also on the PSLF. I have been at the same job for over 10 years. They continued to deny by PSLF, claiming that my employer didn't fill in the correct dates and this was incorrect. I resubmitted the paperwork and it was certified. I call the provider to find out how may qualifying payments I have and she couldn't answer the question or simply refused to answer. 

On or about XX/XX/XXXX, I received a notice to recertify my IDR. I submitted my IDR request on or about XX/XX/XXXX, I received a letter XX/XX/XXXX, indicating that my amount was going to be XXXX, after being denied for supposedly not submitting the correct paperwork several times. 

They have now recalculated my monthly payment a total of three times all based on the information that I've submitted. They failed to review any of my documentation before determining their decision to deny them every time and then turn around and approve. 

I have requested a forbearance for the month of XX/XX/XXXX, XX/XX/XXXX. I called in XX/XX/XXXX to request a forbearance until XX/XX/XXXX, since they continued to drag their feet making a decision. Today at XXXX XXXX they took out a XXXX payment from my account, after I was told that I was in forbearance until XX/XX/XXXX. My payment amount in XX/XX/XXXX is now XXXX, which I'm fine with, until they change it again. The numerous calls and correspondence back and forth with this company is tiring and frustrating. This process is absolutely ridiculous. When I open my mailbox and see anything from FedLoan my stomach turns. HEY WAKEUP CALL AMERICAN DREAMERS- HOME OWNERSHIP IS OUT IF YOU HAVE TO GET FUNDED!! Become very familiar with your student loan  provider because you don't have choice as to who services your loan, unless you find a legitimate bank and do it privately. Meet your new life partner ... ITS CALLED STUDENT DEAD DEBT!
Complaint sub-issue: Didn't receive notice of right to dispute

Hi, last year I had a XXXX performed. My insurance covered most of costs and I paid all that was owed. 

Today, I received a negative credit alert on my transition and XXXX report from a company called AR concepts in XXXX, IL ( debt collection ) on behalf of XXXX XXXX XXXX SC for {$110.00}. I called AR concepts and gave them my info. Apparently, XXXX XXXX XXXX had the wrong address listed on my account XXXX XXXX XXXX XXXX and XXXX ) and the wrong phone number. They had my mom 's address listed where we lived over XXXX years ago. I NEVER received a bill or a phone call. 

Is this legal?
Complaint sub-issue: Reporting company used your report improperly

I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. XXXX is reporting late payments on several accounts : XXXX 's XXXX - Student loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave XXXX written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to Equifax violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!
Complaint sub-issue: Received bad information about your loan

I am utilizing fedloan servicing for Public Service Loan Forgiveness. I have direct federal loans. I attended XXXX XXXX College ( XXXX, RI ) and XXXX University and took out both federal and state loans. After graduating from XXXX in XX/XX/XXXX I began the usual deferment and consolidated my loans to federal loans in order to take advantage of the Federal Service Loan Forgiveness Program. From what I remember my loans were originally controlled by XXXX, from there they were transferred to XXXX, and then finally in early XXXX to Fedloan Servicing. 

My entire experience with all 3 companies has been horrible. I have many complaints, however, I will focus on the two most pressing and damaging to my ability to have my loans forgiven in a fair and timely manner, as is my right under this program.

1st complaint : All 3 companies have created issues that had to result in deferment of my loans when processing my income based repayment plant ( IBR ) and when my loans were transferred between companies. To no fault of my own ( delayed processing, errors in processing - ie. using my wife 's income even though I file separately ) I have had to defer my loans for weeks or months at a time. This resulted in increased loan balances due to accrued interest and an inability for me to work towards my 120 payments. Since working with Fedloan Servicing, every single year I have had to have a deferment of a month or so in order for them to properly process my annual IBR application. I have tried everything imaginable to make sure it is processed correctly the first time, however their level of incompetence is incredible. 

2nd complaint : Qualifying payments. I began working for XXXX   XXXX in XX/XX/XXXX ( XXXX XXXX XXXX XXXX   XXXX - XXXX XXXX ). I resigned from XXXX and joined the XXXX XXXX  XXXX in XXXX of XXXX. I submitted my proof of employment to Fedloan servicing for my time spent working for XXXX XXXX. I worked for XXXX for 3 years. However, Fedloan Servicing claimed that I only made 14 qualifying payments during that time. This is utterly untrue. It is possible that due to the deferments, mentioned in complaint 1, that I did not have a full 36 payments, but I certainly had many more than 14. I contacted Fedloan Servicing about this issue numerous times ( starting in XX/XX/XXXX/XX/XX/XXXX when I first received the letter explaining that I only had 14 qualifying payments ) but I never received any explanation. At first they stated that they had no loan history from me from XXXX ( allegedly XXXX did not make them aware of my time with XXXX when they transferred my loans ). Fedloan Servicing stated that they would look into this but never got back to me. I have inquired about the investigation and they have stated that it is ongoing. It has been years at this point and I have still not been able to get to the bottom of this. 

I am hoping that with your help these problems can be rectified. As I am sure you are aware, Fedloan Servicing has been in the national news lately regarding matters listed above. 

Thank You, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect information on my credit report and its been well over 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX DOB:XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XX/XX/XXXX/XX/XX/XXXXXXXX account is reporting 30,60 and 90 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Complaint sub-issue: Frequent or repeated calls

Afni ha s  XXXX  collection items.  XXXX   XXXX   XXXX  a  2012  chargeoff.  XXXX  public records showing on my report that are not on my  XXXX  report please remove them from   XXXX   XXXX  .
Complaint sub-issue: Their investigation did not fix an error on your report

On the date of XX/XX/2022 I sent my second letters via certified mail to delete inaccurate information off of my report. I sent XXXX dollars to send mail via certified and they refuse to furnish the correct information.