Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

This is in response to XXXX XXXX pathetic attempt at dealing with my complaint. their response to my cfpb complaint is a true example of exactly how inept this company is. They didn't response to even a single complaint I have. Their response is useless so I will try again until they actually do something. 

I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also  emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US  DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX
Complaint sub-issue: Public record

I had a lien from State of California for {$1800.00}. It was dismissed. I have written to Equifax many times, and tried calling them, but they will not remove this information from my report nor have they included the updated status. It almost cost me my job. 
No one at Equifax will respond.
Complaint sub-issue: Company closed your account

I had received a call in XXXX from Discover Card to ask me if I tried to open an additional account at which time I explained that I had made no application. Discover then told me that there is FRAUD on the account and the account would be frozen until I completed a 4506T verifying my information. 

I received a 4506T Doc-U-Sign from Discover from XXXX authorizing the IRS to validate my information. I executed the 4506T and it was rejected by the IRS as I had moved and my address had changed. Discover advised me to add my former address to line 4 of the 4506T and it was again rejected. I had called Discover again and then they sent me another Doc-U-Sign 4506T which was again rejected so Discover automatically closed my account as it was rejected 3 times from the IRS. 

Discover sent me an e-mail saying that they had closed my account due to conflicting information. I called Discover and asked " WHY '' they closed my account due to conflicting information as they sent me the Doc-U-Sign that they completed??? I have to highlight that I had told Discover that I did not receive the initial Doc-U-Sign at which time I received 2 additonal 4506T forms and I completed them both which the IRS rejected as they were both completed with the identical information. 

My card had a {$1300.00} balance at the time I was informed the account was closed and I paid the balance due to the Supervisor on the phone immediately so if they couldn't resolve my issue there would be no balance on the account. 

My pay practices with Discover had garnered me an increase in my account availability from the initial {$5000.00} to {$12000.00} over the 4 years I had the card at the time the account was closed.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT ED/XXXX XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX/XXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$590.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX serviced by XXXX XXXX XXXX  XXXX ending in account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

LGM has repeatedly threatened legal action, and harassed us and our family members for payment of a vehicle that we have asked them to pick up for years. This vehicle was illegally approved for us as we had just filed bankruptcy when the car was purchased. We were talked into this by a reputable car dealer and only after we signed papers did we realize that we didnt buy the car from the dealer but from a third party car place. 

We have lived in the same home since XXXX and have never received any mail from them whatsoever. They claim they have sued us for the vehicle and say we are committing a crime. We have told them the vehicle is at our home and please take it. It hasnt moved from our address since we moved to this area. The car was eventually picked up and just now they are reporting to the credit bureau that we owe more than the car was purchased for. We have been denied a home because this showed on the report. And due to covid we need to relocate our family as we only have one income now. We have been given until XX/XX/XXXX to move and cant be approved because this has just now been added to our credit report. Please help us!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to request the removal of unauthorized credit inquiry. SageStream LLC.  XXXX XXXX pulled my credit report file from this company listed SageStream LLC.  This company is reporting incorrect information on my credit file and my credit score. Please investigate and remove from my credit file
Complaint sub-issue: Public record information inaccurate

Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts
Complaint sub-issue: Problem with personal statement of dispute

WRONG you are referencing the wrong phone call. I called the same month my payment was due to pay off the credit card. I NEVER spoke to that agent at all. All she said was hello and after I said hello she hung up on me. I was on hold for an hour. I could not afford to be on hold for another hour. I thought I paid at the store the following week. I even tried to have the store update my address. The store said they could not. The reason I could not pay nor update my address is because you have a bad phone customer service process. As a result I did not get my payment in on time and I was never notified about late payments BECAUSE of your bad phone customer service. I have everything else paid on time. I pay my mortgages, bills and other credit cards on time. YOU are the only one that has left a derogatory on my credit report and I should not have to pay for YOUR poor customer service!
Complaint sub-issue: Used obscene, profane, or other abusive language

I received a phone call today while at work from a number that I had not saved in my phone. Upon answering the call, I cheerfully said hello! as I thought the call might have been work-related. All I could hear on the other line was shuffling noises. Again, in more of a questioning tone, I asked, hello? Then to my surprise the very first thing this stranger had to say to me was, youre just gon na pick up the phone and not say anything, ___? ( My first name ). I must emphasize how aggressively RUDE and informal of a tone that was said in. The negative use of my first name felt quite personal. I had no idea who I was speaking to and was afraid I was being harassed or stalked by the way that called opened up and the abrasive tone used. No longer cheerful, I asked who is this? And then she proceeded to say something along the lines of this is XXXX with AR Resources Incorporate Im just gon na have to ask you a few security questions And I hung up on her. I felt disrespected. And by someone who expects to be collecting my money? Bullying me is not very effective. Especially when I DID greet her on the phone! I said hello not once but TWICE and then was so rudely snapped at for what felt like no reason at all. It felt very personal, as if her salary was directly dependent on whether or not I paid my debt. I called the company directly to first confirm what it was I needed to be paying for ( I owe about {$1000.00} to my school for the the fall 2021 semester ) and I found out that I could make payments in part which I was not aware of. I made a {$25.00} one time payment and do plan to continue making payments so that I no longer owe anything, but no part of me feels any inclination to be making those payments with this specific person.
Complaint sub-issue: Contacted your employer

Loan Amount :  XXXX  Paid to date :  XXXX  Loan # :  XXXX   XXXX  Personal Loan taken with Loan Me Finance Lender License #  XXXX   XXXX  Paid on time until I hit a hardship. They offered me an 8- payment plan of {$390.00} to begin in  XXXX .  Paid   XXXX ,  XXXX , called to pay  XXXX  and their phones were closed for the holidays. When they returned from break, they said because it was not paid on the  XXXX  they could not honor the payment plan.     I was not going to continue to pay more on this predatory loan, and they would not come to an agreement over the {$69.00} current balance.   They began to call me, put my account in collections with an incorrect past due amount ( reported to credit bureau ) On  XXXX   XXXX , I received this letter. Remember, this is 1 month and 2 days later than the payment date ( which was a holiday )  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX     RE : L oan # :  XXXX  Dear  XXXX   XXXX , This letter is to inform you of action that LoanMe  may tak e with regard to your delinquent account.       Pursuant to California law, your income is recognized as a collectible asset and is attachable through garnishment. LoanMe has the right to obtain a judgment against you and attach your wages to collect the judgment. We have verified your employment.       Your immediate attention to this matter is necessary. You must contact our office within  five d ays of this letter to discuss acceptable arrangements.       Sincerely,  XXXX   XXXX   XXXX  LoanMe , Inc .    XXXX  This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record  may  be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.       As y ou may k now, in California you must have a court order to garnish wages, I did not appreciate this scare mongering. If I was uneducated, I might have been very concerned. Especially since the balance owed is only {$69.00}. No one wants to have wages garnished for this amount.     They have called me 3 times per day and sometimes as late as  XXXX . They have now begun to call my work when I have specifically asked them not to, and called me  FOUR times in FOUR  MINUTES this morning. I sent them an email to cease and desist.     They continue to harrass me constantly and call my work. I literally recieve calls from them all day, every day. I was shocked when I started to receive calls from them late at night. Even at   XXXX
Complaint sub-issue: Reporting company used your report improperly

Between XXXX and XXXX, a data breach at Equifax caused my personally identifiable information to be exposed to criminals, including name, date of birth, social security number, address and possibly my driver 's license number. This is not only the information used by lenders, employers, social service providers ( HUD housing, SNAP, etc. ) to verify my identity, but also the exact information required by Equifax in order to request a credit freeze and presumably take other actions regarding data in my credit report. Equifax has not only exposed my identity, but the only ways I have to verify myself to them in order to protect myself. I am very lucky that I had the tools and knowledge to place a credit freeze myself quickly, hopefully Equifax will require additional information from anyone who might contact them claiming to be me to ask for a new PIN to unfreeze my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, Equifax and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX, Equifax or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.
Complaint sub-issue: Other problem getting your report or credit score

Since XX/XX/2019, I have tried to verify a freeze on my credit report. 

At XXXX, I receive an error " We are temporarily unable to complete this request. Please try again later, '' which Equifax confirmed by telephone is not a problem with my login, password, network, etc., but is instead an error originating on their end, for which they have no timeline for resolution. 

By chat, Equifax informsed me that they are unable to assist me. 

By telephone, Equifax refuses to assist me, stating that they can not confirm my identity because my answers ( e.g., about current lenders, minimum payments, and ironically, about the current freeze status of my account ) do not match my credit report. 

Assuming my freeze request was executed last fall, I am unable to open new lines of credit or apply for new loans, until Equifax permits me access to my account. Assuming my freeze was not executed, Equifax is denying me my mandated right to freeze my account.
Complaint sub-issue: Debt was result of identity theft

This account was fraudulently used in my name. I contacted XXXX XXXX multiple times to inform them I was not responsible for the charges but they never removed the false charges and late fees kept rising. The account was then showing closed through the credit bureau and discharged but now is showing to be reopened. I am not responsible for these charges Since I did not create them. The account was closed on XXXX XXXX XXXX. It is now showing re opened on XXXX XXXX XXXX. The amount is {$1800.00}. The debt collector is XXXX. The original creditor is XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Complaint sub-issue: Their investigation did not fix an error on your report

I have opened a case with the CFPB with Discover as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and XXXX moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from Discover on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the Discover family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of Discover Financial Services XXXX Subject : Re : Your Inquiry to Discover XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of Discover Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX  to XXXX XXXX ET. 

Sincerely, XXXX Executive Office of Customer Advocacy