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

My student loan servicer  Nelnet  told me that I qualify for a lower payment, but that I can not receive it on the upcoming payment, because it requires giving me 30 days notice to change my payment and that it would create too much hardship for me to only give me 15 days notice, even though it drops my payment by roughly  XXXX  dollars.     The background to this is that I sent in my forms for income driven repayment on   XXXX   XXXX  , because they told me they were due then. After  2  weeks Nelnet told me that they could n't see the documentation. I called them and they told me it was due to lighting. ( the documents do n't appear to have a lighting issue on my end. ) Further I was informed that the documents were n't actually due yet, but no one had actually given me a due date as to when they were due. In good faith I sent them updated tax documents and the form again electronically signed on   XXXX   XXXX  . On   XXXX   XXXX   they emailed me telling me that they could not process the documents because the new  Income  driven repayment plan form was not signed. I called them and they informed me that they do not accept electronic signatures. I printed off a copy signed it and sent back multiple copies to ensure they 'd have the paperwork they needed on   XXXX   XXXX  . I also called them and they informed me that if they could process the paper work that I could still qualify and get the income driven repayment amount that i qualify for by the   XXXX   date. I called them on   XXXX   XXXX   to see how the application was coming along. They informed me that it was processed and that i qualify for a {$440.00} payment but that it could not go into effect until  XXXX  and that I had to pay the higher amount currently due because " they cant change the amount due, within 30 days of a payment because it will provide too much hardship on me '' -  XXXX     When  I asked them for a confirmation number for the call they refused to give one stating they do n't do that. However on a previous call on   XXXX   XXXX   they were willing to give one "  XXXX  ''. They informed me that all calls are recorded and that the current call on   XXXX   XXXX   was being recorded..   Nelnets job is to process the documents, just because it takes them an extended period of time, or because they have trouble either enlarging or viewing imaging for some reason, does n't mean the burden should fall on me. In good faith I sent my documentation multiple times per their request. They only seemed to accept documentation after it was already too late. When I asked them if they were intentionally trying to push the documentation to be late they laughed, said no and said that they wished they were. As some  one  whose well versed in the banking system this seems fraudulent to me. Further to use a rule made to protect consumers, about sending about billing 30 days in advance, in order to push for a higher payment seems unscrupulous, deceitful, and highly unethical.
Complaint sub-issue: You never received your bill or did not know a payment was due

Hi and how are you doing? How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX and XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  *Account Name : XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX, Account number : XXXX, *Account name : XXXX  XXXX, Account number : XXXX, *Account name : XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX XXXX, Account number XXXX XXXX *Account name : U S DEPT OF EDXXXX, Account number:XXXX XXXXAccount name : XXXX XXXX, Account number : 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
Complaint sub-issue: Trouble using the card to send money to another person

I have unemployment card with US Bank Reliacard and they randomly lock my card I sent them my ID Ive been calling every day every time I call I get different stories no help they very rude I wrote down every conversation and recorded every conversation they unprofessional bad enough I have to wait to get approved for my unemployment and now my card locked im behind on bills I have a 15 day evection notice they dont care I cant get no help sincerely unhappy XXXX
Complaint sub-issue: Banking errors

On XX/XX/2022 I entered a promotional agreement with CitiBank to XXXX XXXX {$50000.00} and leave it in a saving account for 90 days and I would receive {$450.00}. I have honored the commitment and continue to call weekly- they have " filed a dispute '' internally several times but - I continue to be ghosted and have no resolution for months. This is not complicated and clearly a scam by CitiBank.
Complaint sub-issue: Account information incorrect

I settled this account with XXXX XXXX  thru XXXX XXXX XXXX on XX/XX/XXXX. The balance has not updated and they reported 2 late payments for XX/XX/XXXX & XX/XX/XXXX. I am currently in escrow with homebuying and nobody will fix this issue.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I want to start off saying I've been sent here from the XXXX stating they could not help with my situation. Though I've been trying to get on an income driven repayment plan for over 5 years now. Maybe longer. Though I've contacted fedloans at the beginning and they stated multiple times I'm missing something even though I've double checked everything and I still get declined. After a certain point the only thing I could have done at that point was keep halting my payment. 2 years ago I noticed they had the option to finally sign for it online with the IRS. I did and I got declined for it for not idea as to why. When I contacted them they themselves couldn't understand why I was declined either. I never got an actual answer to the problem. Last year I signed up again and I actually got approved for it and I was so happy I could finally get this fixed in someway. Whoever I talked to at the time stated I needed to make an actually first payment of XXXX $ to have it converted to the plan. I did so on a date I clarified if that would be ok to the person I was talking to. They stated yes and I was happy to hear that. I did call a couple times to clarify if my account is switching to the new plan since I kept seeing a late charge still on my account. Everyone I talked to stated yes it will changed. I was relieved to hear that. So after a certain point I saw the charge go away and excited to see the new payment. After the month I saw the payment revert back to the old payment. I was confused and really annoyed, angry, and disappointed that fedloans hasnt done anything. I called and they stated that I needed to make a {$5.00} payment to get the payment to revert ( which I knew about, but no one stated anything about this payment ) I told then I made a payment already for XXXX which should have been for the revert. They stated if I wanted to use that payment to use it for the revert fee. I befuddle on that question after telling them that exact answer. I stated yes and they stated they will put something down to get that fix. Cut to a month or so later I get an email throw my fedloan account on their site and they stared that it was decline. Why you may ask. Because I did not process an actually payment for this charge. At this point I dont know what to actually do at this point and I have yet to call them. I also wanted to state I have emailed them throw XXXX since they have an actually email option for contact on their site, but to this moment I have never gotten a response back. I have told them about it when I call, and they only say that's weird that no has responded like that is suppose to fix the problem, but that is basically what's going on and I dont know what to do. They marked me as a delinquent on my account, but I legitimately have no idea what to do at this point except keep halting my payments I'm trapped at this point.
Complaint sub-issue: Seized/Attempted to seize property

Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. 
The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. 
While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. 
I hope this is helpful and that you will be able to fulfill your economic plans in the future.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone has been trying to get XXXX XXXX cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX where all 3 credit bureaus say to send disputes. After calling XXXX XXXX dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was told by the XXXX XXXX employee. XXXX XXXX credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The 2 XXXX XXXX credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

My wife received a call today on her mobile phone ( XXXX ) today, XX/XX/XXXX at approximately XXXX XXXX EST from a company identifying themselves as XXXX, a " fraud arbitration '' firm operating supposedly out of XXXX PA. I tried to look them up online and found no information to verify. The person asked for me, XXXX XXXX. The caller who would not identify herself stated she was investigating a fraud complaint from a company called XXXX XXXX XXXX / XXXX XXXX related to a financial transaction in XX/XX/XXXX. She rattled off some of my former addresses from 12-15 years ago in Florida. When I told her I had no recollection of what she was referring to and asked her what amount she is claiming I owe she stated she was referring the matter to the XXXX County Court in FL for fraud charges and hung up. When I called the number back that showed up on caller ID ( XXXX ) the same lady answered the phone ( who had originally contacted me ) and claimed she " assumed we were finished ''. She asked for my current address which I did provide since I figured this was public information anyway. She said her office would be sending me a certified letter and stated I had 30 days to take action or I would be brought up on fraud charges and arrested. <P/>Prior to contacting the Florida AG office, I did some research and found out that Florida as well as many other states as well as the Federal Government ( Consumer Financial Protection Bureau ) had filed class action lawsuits and/or had taken other legal action against XXXX XXXX XXXX / XXXX XXXX ( the company the lady at XXXX claimed to be representing ) dating back to XX/XX/XXXX. My wife and I recently purchased a house in XXXX XXXX, FL in XX/XX/XXXX. Nothing showed up on my credit report for XXXX XXXX / XXXX XXXX and still does not. I am concerned I am getting scammed.
Complaint sub-issue: Funds not handled or disbursed as instructed

Citibank closed my savings account on XX/XX/2022, because they thought there was some kind of fraud committed. The only transaction that was done by me was to reverse two transfers from my Citibank savings back into my originating XXXX XXXX XXXX. 

After many many calls to Citibank customer service and their Fraud Department, and two detailed letters this matter is still ongoing!!!!!

ALL THIS FOR JUST REVERSING TWO TRANSFERS FROM MY SAVINGS!!
Complaint sub-issue: Other problem getting your report or credit score

Every time someone goes to pull my equifax fax or I try to look at my equifax fax score it says it's currently nothing available and when people try to pull it nothing comes up, it says that it's locked and when I call Equifax they stated that it was never locked to begin with
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXXh XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXXXXXX XXXX  Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.
Complaint sub-issue: Account information incorrect

XXXX Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX XXXX reported a late payment regarding my account. 

I am requesting that this late payment be assessed for accuracy. 

I believe this reporting is incorrect because I was attending XXXX College XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX .I have included the documentation to prove that I was enrolled Full Time during this time that my loans were reported as delinquent and should have been applied as In-School Deferment. 

My credit report stated a delinquency in XX/XX/XXXX from XXXX. I am currently with XXXX XXXX due to a recent loan consolidation, and deeply ap [ appreciate the time and service you previously provided. 

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX   XXXX  I submitted a dispute with Equifax regarding inquiries that are reporting and are not inquiries initiated by me. I have called several times only to be told that there is nothing they can do and that it is factual. I asked how can it be factual if I am telling you I did not initiate. The dispute I submitted on the  XXXX  came back the same day stating that it will continue to be apart of a factual record. There is no way possible that Equifax investigated my dispu te in 24hours. I get zero coop eration when calling Equifax. They are suppose to help and listen but before you can get a word out they shut you down. The customer service representative do nothing to help when you tell them that you never initiated inquiries or accounts for that matter. I placed a fraud alert because I did not know all of that information was going on with my credit report. I asked that they delete those inquiries off my credit file and s till in 24hrs it w as investigated ( I DO N'T BELIEVE IT ). They obviously looked at my dispute and said oh well its on there and will stay regardless if she said she did n't know anything about it.
Complaint sub-issue: Other problem getting your report or credit score

On or around XX/XX/2020 I apply for a XXXX XXXX  account with XXXX XXXX XXXX application number XXXX was denied because according to sagestream LLC my credit score is XXXX which is wrong information try to reach out to company but they won't resolve my issue they have inaccurate information with my score they won't let me review it or resolve it I never gave permission for sagestream LLC to have my information I got denied credit base on their incorrect information
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX  XXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX
Complaint sub-issue: Can't decrease my monthly payments

I have tried for months to get my monthly private student loan payment through Citibank lowered. I have explained I am not working and have not been working for over a year and unemployment ran out. They agreed to let me defer one month ( because they said that 's all I had available to me XXXX. They have called me at all hours of the day and night, sometimes 5 times a day if my payment is late. When I ask for help they have told me time and time again that they can not do anything and it will just have to go to collections and I can just deal with them. They have no compassion, no understanding and could care less that I am not working ... they asked me how I plan to pay my monthly payment and I told them I will have to start selling my personal property and their response was well you have to do what you have to do. I have never been more disappointed in my life with a financial institution. I am just asking for my payment to be lowered, I am not asking them to pardon me from paying back my debt. I went to the University XXXX XXXX online and completed my XXXX Degree.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair credit reporting act. the following creditors has violated my rights15 USC1681. section 602 states I have the right to privacy. 15 USC 1681 section 604 a section states that a consumer reporting agency can not furnish any account without my written instruction to consent, nUnder 15 USC1666b a creditor XXXX not treat a late as late for any purpose payment on an account XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent numerous of certified letters to agencies asking of removal of all inaccurate information according to 15 USC 1681, USC151681sec 604, 15 USC 1666b.
Complaint sub-issue: Account status incorrect

my macys account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX submitted me for collection via PMAB after they received payment for account for my dependent via the insurance provider. Services were rendered XXXX for dependent in XXXX VA hospital a XXXX XXXX XXXX. I received a bill and realized they had wrong insurance informative provided them with the information they assured me they would refile. Upon reviewing my credit report collection agency PMAB advise that XX/XX/2018 XXXX XXXX XXXX sent me collections. I have been in communication with both entitys and can not get this resolved. I have a statement showing the patient balance as zero and have confirmed that with XXXX XXXX XXXX. I would like help getting this item removed from my credit report and holding both entities accountable for their discrepancy.
Complaint sub-issue: Can't temporarily delay making payments

Havent deleted the late payment. Also havent showed me any proof that I had a loan from XXXX   college. Still waiting on results.
Complaint sub-issue: Debt is not yours

This account is charged off outside of state statue. It charged off in 2010