Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Hey! I was advised by an attorney that I can file a complaint about your negligence. Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Complaint sub-issue: Information belongs to someone else

There are old accounts on my credit report. 10+ years old that are not valid and shouldnt be showing on my credit report. I have been disputing these for years but the credit agency isnt doing anything. 

Additionally. There are hard hits on my account for the past year that are not mine. Ive complained, no updates from them.
Complaint sub-issue: Debt was paid

On XX/XX/21, I was contacted by XXXX, who did not want to identify the company she represented. After repeated requests and having to talk over her, she finally revealed her company as Apellus, and when I refused to give her my personal information ( because to my knowledge, I have no business with Apellus ), she stated she was ending the call and " it's on you ''. I called back to confirm the company name, as her hastiness and rudeness made it difficult to understand the company name she gave me, and XXXX again did not want to identify her employer without first obtaining my personal information. To date, I have received nothing to identify who this company is or what business they presume to have with me - which also violates my consumer rights and laws governing debt collection practices.
Complaint sub-issue: Account status incorrect

I have trying to contact Equifax without any result, they transfer me to one department to another, at this point I don't know what to do. the affairs department is the worst. 
1- ccount Number XXXX XXXX XXXX XXXX XXXX , this account doesn't belong to me at all. 
2- XXXX XXXX XXXX XXXX Account Number XXXX XXXX, this account have been sold appear twice in my report .Activity Designator TRANSFER_OR_SOLD 3XXXX XXXX   XXXX XXXX  XXXX XXXX Account Number XXXX XXXX Account Status CHARGE_OFF im still making payment for this account. 
4- XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account appeat twice on my report and is pay off.Activity Designator TRANSFER_OR_SOLD 5 - XXXX XXXX XXXX XXXX Account Number XXXX XXXX this account is already discharge 6 -  XXXX XXXX XXXX XXXX Account Number xxxx # # account have been pay off.
Complaint sub-issue: Received bad information about your loan

Dear Team, As we hear more and more about the damages and faulty practices by both schools and lenders my story is no different, a great travesty! The two loans which were consolidated in XXXX are essentially the same balance at hand in XXXX after still paying over {$110000.00} and yet they want another 20 year commitment for {$120000.00} balance to consolidate again. Just criminal. I have paid before consolidation in XXXX and from XXXX onward to XXXX with the same if not more outstanding balance. AES is the gatekeeper who does nothing after repeated calls because they are NOT the lender. every time I call to ask for some kind of forgiveness they will not honor even after working for nonprofits which are listed for forgiveness because my loan does not qualify. Again, I have had and made consistent payments for over 20 years. The loans came with a very high weighted interest since loans were originally taken out in the XXXX so now at 6.125 % for {$38.00}, XXXX and {$81000.00}- they are now at {$39000.00} and {$87000.00} with consistent payments of well over {$130000.00}. They were never honest and up front as to the types of pay back the loans that would be forgiven so even when I made consistent payments they did not fall under the description for forgiveness.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX : {$1300.00}
Complaint sub-issue: Was not notified of investigation status or results

This accounts were not mine and why are they on my report? This has been disputed last XXXX of XXXX however I haven't received any response from the respective agencies. I was taken advantage and now am I being ignored by them? This isn't fair.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't temporarily delay making payments

I asked XXXX Mohela to defer my student loan payments for three months as a hardship in repaying my loans. Note my monthly payments are {$1300.00} per month. My husband is not working and has XXXX and we are now in the mist of mounting medical debt. I asked XXXX to defer just so that I can his doctors the {$6000.00} owed. Instead XXXX said no and raised my fix rate from 5.99 % to 6.79 %. I think this is unethical and outrageous. The FED gov is forgiving tens of thousand in student loan debt, you would like these private companies would do something similar or work with the consumer. Please investigate and I am hoping there is something that can be done. 

Thank you.
Complaint sub-issue: Problem getting a working replacement card

Comerica/Direct Express says a replacement card was mailed but it has not come. 
We have tried for 5 days, all hours if the day and night, to reach their customer service but literally no one ever answers.
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 item 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
Complaint sub-issue: Information belongs to someone else

I have submitted numerous disputes regarding this account to Equifax, XXXX, XXXX, Consumer Finance.gov, and the company reporting the erroneous debt. I have requested verification of this debt numerous of time and have yet to receive it. XXXX and XXXX rightfully deleted this debt from my report but Equifax only continues to report the debt as disputed. Consumer Finance.gov and attempted to contact the creditor numerous of time and have closed two previous complaints due to being unsuccessful.
Complaint sub-issue: Problem getting your free annual credit report

XXXX not able to access my credit report
Complaint sub-issue: Other problem getting your report or credit score

Student Loan company Pennsylvania Higher Education Assistance Agency ( PHEAA ) is servicing my loan. Back in 2015 I moved/mailings got crossed payments didn't get made. Once I was notified I corrected this and have been making regular monthly payments since and it's all documented. Since I missed those payments they put loan in default and will not correct my credit report/credit score even though for the last 4 yrs I've made my timely payments. I'm presently trying to go for a mortgage with XXXX XXXX and they are stopping this from going through due to this issue. I've tried to call PHEAA they will not help me even though they state oh yes you've been in good standing with us for a while now! I've also provided XXXX XXXX the document with all my payments for the last 4yrs and they still will not help out. I would greatly appreciate it if this could be corrected and done so fast. I'm missing out on being able to buy a home " the all American dream '' which I worked all through school so I could get a promotion and make more money for this home.
Complaint sub-issue: Their investigation did not fix an error on your report

Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information on my Equifax/XXXX  credit report : The XXXX XXXX XXXXXXXX collection account number XXXX with the balance in the amount of {$180.00} ( Original Creditor is XXXX XXXX  XXXX ) is inaccurate because Its absolutely fraud. I am requesting that the item be deleted. 

I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time. 

Enclosed are copies of XXXX XXXX XXXX letter, XXXX XXXX XXXX balance, Transaction Details of my bank account ( copy of my cleared check of termination fee ) and my final XXXX bill supporting my position. 

The balance of XXXX XXXX XXXX company is fraud and doesn't include a truthfulness info because the following information : I moved out from the XXXX XXXX XXXX on XX/XX/XXXX. I closed my electricity utility company XXXX account by address XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and paid in full my final bill in the amount of {$79.00} on XX/XX/XXXX. 
I paid in full the termination fee {$2400.00} on XX/XX/XXXX. 
The email address XXXX doesnt exist. 

Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX lists me having a 30 days late on XX/XX/2020 and this is reporting incorrectly and i have notified the company and equifax about this and still no correction
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexis is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between XXXX, XXXX  and XXXX  and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the LEXIS NEXIS are any other credit reporting agency. i would like to know your method of verification on how you verified this information.
Complaint sub-issue: Received bad information about your loan

My student loan has been in the deferred status since I am currently back in graduate school. Recently, I got notified that my loan is $ 600+ PAST DUE. I believe that I have " used up '' all my deferred time ( 60 months ) and that my loan is to be start paying back however, there has been NO communication on due dates and repayment plans despite mulitple calls to the company. I am trying to lower my monthly payment, and get my cosigner OFF the loan. I have applied 3-4 time to get my cosigner released with NO explanation as to why and how I can get him off. I have paid 12 months worth of monthly payments to them in a lump sum with no results. I have asked about the income driven repayment plan and keep getting denied. There is NO communication to when my loans are due. When i log onto my student portal it says my loan is DUE XX/XX/19. The start of my repayment yet I am already $ 600+ PAST DUE? IT MAKES NO SENSE. I have tried diligently to work with this company and we have reached no resolve. How do you expect timely payments when you don't inform your customers? You are setting us up for failure.
Complaint sub-issue: Reporting company used your report improperly

I disputed my personal information on my credit report that was incorrect. Report number is XXXX I also called the credit bureaus telling them to remove the personal information that I do not want on there. According to the fair credit reporting Act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party people.

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying for over a year to get a XXXX doctor bill removed from my Equifax report. i have provided the agency 6 times with my XXXX health insurance number that repeatly was sent to XXXX XXXX this bill is from 2015 ( over6 years ago ) .. Equifax is steadily lying saying they verified the debt, all in 30 min of the disbute. This is a doctor bill and by law they can not keep this on my credit report especially if i do not owe it.
Complaint sub-issue: No notice of investigation status/result

I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with Equifax to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for Equifax and they stated that " Another department handles these types of complaints and that my case had been closed out due to lack of provided information. I furnished Equifax with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

The representative went on to state that " I would have to file another complaint with Consumer Financial Protection. '' I need help in resolving this issue asap.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Re : Disputed transaction on virtual account XXXX Merchant : XXXX Date of transaction : XX/XX/21 Disputed amount : {$23.00} Dear Disputes Department, This dispute needs to be re-opened. The merchant has provided proof that the item has been received by the customer. However, upon receipt of the item, the customer found the merchandise to be defective. Congruent with the merchant return policy ( attached ), customer has made multiple attempts to return the item. The merchant return policy states that the merchant will send a postage-paid return label to the customer. However, merchant has failed to provide a postage-paid return label to the customer. 

Please see attached e-mails indicating multiple requests for a return shipping address and return shipping label. Such e-mails have been ignored by the merchant. 

Attachment 1 : E-mail dated XX/XX/21 directed to merchant requesting for a return label Attachment 2 : E-mail dated XX/XX/21 second request for a return label Attachment 3 : Merchant return policy Customer has also called merchant on XX/XX/21 to request a return label. Customer was promised to receive a return label but not return label was sent to the customer in order to return the item. The merchant is not complying with their return policy and hence the dispute needs to be re-opened. 


Please reverse the full amount of {$23.00} back to the mastercard account. 

Thank you,
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Closed RV loan with new buyer from out of state XX/XX/XXXX. Oregon Title was to be sent to me, sign title, and forward on to new owner in XXXX WA. I called US Bank ~12 days ago ( XX/XX/XXXX ) asking why I had not received title. Customer support person " XXXX '' took my call. He indicated title had never been sent and it would be sent ASAP. I asked for email or phone verification when title is sent. He indicated yes he would do that. I recalled yesterday ( XX/XX/XXXX ) asking AGAIN where title was and why I had not received it. Customer agent " XXXX '' took my call. After lengthy wait on phone, she indicated release of lien could be faxed or snail mailed to me. I asked where is the title? She indicated they did not have DIRECT contact with US Banks title division. I asked to speak to manager. They assigned " XXXX XXXX '' to my case. I asked him if he could call the Title division. He said No they can not call them directly. He indicated he would EMAIL them and ask why I have not received title and if it could be expedited. If it has been lost, he indicated release of lien could be sent to me. I asked if it could be done overnight and he said NO. I has since called XXXX XXXX today XXXX XX/XX/XXXX XXXX and left vm for him. I have now waited more than two months for the title for this rv. The new owner has contacted me asking where the title is and why he has not received the signed over copy from me. I do not have an answer for him. He is unable to register the vehicle in WA without title or release of lien.
Complaint sub-issue: Problem with fees charged

I bought a car and the dealership did the loan through NBT Bank. NBT Bank charged me twice for the first month for my car payment. They took {$390.00} on XX/XX/XXXX and {$390.00} on XX/XX/XXXX. After calling XXXX times and not getting the issue resolved, I disputed the second charge with my bank ( XXXX ). On XX/XX/XXXX they charged me a {$20.00} fee for revoking the second payment. I have called XXXX more times. A representative claimed that there was an internal and external payment set up and she deleted the second one. That apparently wasn't true as the XXXX  time I called both payments were still set up. This XXXX  representative claimed the second payment was deleted and I could put in a request to get my {$20.00} back, but based on the fact I've had to call them XXXX times to try to get a normal monthly autopay set up and they can not figure it out, I highly doubt they'll get it together. I want the {$20.00} back and I want confirmation they will just take XXXX monthly payment a month ( they can use the external payment set up ).
Complaint sub-issue: Need information about your loan balance or loan terms

On multiple occasions since the beginning of the year I have asked Nelnet, my student loan servicer, to send me copies of my monthly statements from XXXX XXXX to XXXX XXXX. Several times I was promised the statements but never received them, while on other occasions I was told that retrieving statements more than 12 months in the past was not possible. Nelnet states that all this data is purged from the system after 12 months time. 

With a loan balance of {$120000.00} it seems highly unlikely that the company does not have records of my monthly statements going back farther than 12 months. I require these statements in order to verify that my student loan has been serviced correctly and that the amounts added as interest or capitalized to principal are correct. So far, the company has refused to cooperate. 

Any large financial institution handling loans of this size : credit cards companies, banks, brokerage firms, all have the ability to locate statements going back several years. They are sometimes archived, but they are never deleted. If true, it is highly irresponsible of Nelnet to delete these statements when storage data these days is so inexpensive. 

Since it seems highly improbable that these statements are no longer in their possession, I am writing to the CFPB to assist me in compelling Nelnet to retrieve these statements from their archives and to send them to me by mail or email. If they truly have deleted these statements as they claim, I would like them to recreate the information as one would see it on a monthly statement, and send me the results. Given the amount of this loan, it is unreasonable that Nelnet is refusing to comply with such a simple request.
Complaint sub-issue: Account information incorrect

This company has not reported since XX/XX/2021 and the customer service is being on the phone.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

15 US.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They are also in violation for the CARES ACT.
Complaint sub-issue: Their investigation did not fix an error on your report

Any information that is not physically proven to be compliant to every and each or all of the client 's State and or federal reporting laws must be returned to compliance even should that requisite annulment of item 's reporting..No entity is with authority to retain or report any allegations not demonstrated by certificate of fact to be fully TRUE, CORRECT, COMPLETE, TIMELY.The account payments history is not accurate.. 
XXXX XXXX