Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took too long

I submitted a dispute on a collection account on XXXX/XXXX/2016 to Equifax. To date, the dispute has n't been resolved. There have been no updates, verifications, or deletion made to the account. Currently, when I log in to Equifax with my confirmation number the investigation still shows as pending. I contacted Equifax on XXXX/XXXX/2016 to ask why the investigation had not been completed, and why the account had not been removed. They replied with a generic response stating that I should call during business hours. I emailed again today, XXXX/XXXX/2016 to make sure that my inquiry would be reopened. I have not yet received a response. During the 30 day investigation period I was not notified by Equifax that they needed additional time to complete the investigation. I have just been waiting. I would like the account removed. I have attached a screenshot of the status of my dispute, comfirmation # XXXX. It was submitted XXXX/XXXX/16 and is still pending.
Complaint sub-issue: Account status incorrect

I was recently informed of an ongoing lawsuit against Citibank Private Student Loans regarding their practices. Back in XX/XX/2017, my daughter submitted a Co-Signer Release Form to release me ( Her Mother ) of any financial obligation due to her having full-time employment. Not only did I not get released, but apparently, I am showing a derogatory mark on my credit report. The loan was removed from my daughters name and apparently put into mine. My daughter has since pulled her credit report, and the student loan is not showing. Its on mine showing closed. Neither my daughter or myself got anything from Citibank explaining the situation or have received any statements. This was also during a time that Citibank sold their student loans to XXXX. We have paid off the XXXX Loans. This is apparently a part of the suite that is against Citibank mishandling their Private Student Loans. We also found out that my daughter was eligible to claim her interest, when they told her she was not. 

I would like a response from Citibank as to why an unsettled balance I s showing on my credit report as the co-signer, but the student loan shows transferred and paid on my daughters credit report. And why we have not received any statements or other paperwork explaining. Im hoping to get legal assistance with this, but thought I would try here first.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX  ), XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ).
Complaint sub-issue: Account information incorrect

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing. PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. Equifax is reporting negative information from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Car Account ) which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP.  Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood The information they are showing is not completely reported on my reports from XXXX XXXX, and XXXX.
Complaint sub-issue: Information is incorrect

I have contacted LexisNexis on several occasions. They are governed by rules of the fcra. Settlement has taken place by them in the past regarding the fcra. I submit the information I provided them on XX/XX/2018 far past the 30 days they legally had to investigate.
Complaint sub-issue: Received bad information about your loan

I filed Complaint # XXXX regarding this issue on XX/XX/XXXX. XXXX XXXX responded and the Complaint was closed on XX/XX/XXXX, without absolutely no progress towards my initial complaint. Did anyone even read my initial request? 

Request was made on XX/XX/XXXX with FedLoans to refund all student loans paid during XXXX forbearance period ( XXXX XXXX ). Call reference number was # XXXX. 

I was advised on a call two months later that I would not be able to get my student loans refunded because I paid select loan sequences in full, which I later learned was a false statement. 

In XX/XX/XXXX I learn that my loans are being transferred to Mohela and received an email on XX/XX/XXXX that the transfer process had began. 

On XX/XX/XXXX, I saw that my account had now reflected my current balance and contacted Mohela to initiate the refund process. I was told it would take 60 days. I called several times over the course of 60 days for updates, and never received any update. 

After 60 days, I called Mohela and was advised that the wait would now be 90 days following the influx of forgiveness applications from late XXXX following the President 's executive order. 

Called after 90 days from original request ( late XX/XX/XXXX ) and told loans were still in process. Was just advised today by a supervisor after being on hold for XXXX hours and forty-five minutes that Mohela could not initiate the refund request because the loans were paid off through Fedloans, not Mohela. This was the first time I received this information despite calling well over XXXX times since original request was made on XX/XX/XXXX. I was directed to call Fedloans. 

I contacted XXXX XXXX times today, XX/XX/XXXX, and each time I call, I receive an automated response that my loans were transferred to Mohela, and I can press XXXX for further guidance. All three times the call was dropped. 

I filed the complaint with CFPB # XXXX and Fedloans responded that this was Mohela 's responsibility, but Mohela claims the loans were paid off while they were serviced with Fedloans, so Mohela isn't responsible. 

I filed a complaint with the Department of Education OMBUDSMAN on the same day and received case # XXXX. I call everyday only to hear that as of XX/XX/XXXX my case still is not even assigned to anyone. 

Both Mohela and XXXX seem to agree on one : The Department of Education must submit the request to Treasury for the loans that were paid in full. The money is all coming from the same place, so it really does not matter who is responsible for making the request, I just want my money, I have a legal right to it pursuant to the CARES Act and subsequent Executive Orders, and I need it before the end of this year. 

I would appreciate a phone call from someone that can actually assist me with resolving this issue because I am baffled by how poorly this is being handled.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The disputes in question are 1. XXXX {$780.00} charged on XX/XX/2021. 
XXXX. XXXX {$810.00} charged on XX/XX/2021. 
XXXX. XXXX {$35.00} charged on XX/XX/2021. 
XXXX. XXXX {$93.00} charged on XX/XX/2021. 

On XX/XX/2021. Citibank XXXX responded to my dispute that it has been closed and the merchant needs to be contacted directly. Per Citibank below is the extract from the letter. 

" We previously disputed this charge for you and we took the funds from the merchant. You then cancelled that dispute XX/XX/2021. We closed your dispute since you cancelled it and once you cancel the dispute we can not reopen the dispute for you. Therefore, if you wish to dispute this charge, you will need to contact the merchant directly as we have no further recourse to assist you. " After contacting the merchant, the merchant requires a letter confirming that the amount has been returned to merchant and dispute closed with me losing. Because as per Merchant, they closed the dispute in my favor and returned the money to Citibank. Below is the excerpt of response from the merchant. 

" Please allow me to reiterate that our XXXX team have confirmed that your dispute was closed in your favor. We have been debited. That means your credit card must credit your account. Please provide a letter ( not credit card statement ) from your bank advising that you lost your dispute and you were rebilled. '' Can you please request Citibank to take care of this and provide me the letter or my money of US {$1700.00}.
Complaint sub-issue: Public record information inaccurate

I have submitted a previous request regarding the public record on my Equifax credit report to please be removed. The tax lien has been satisfied and I 've submitted documents showing this but Equifax is still refusing to remove it from my report saying that it is listed as " released. '' I am trying to get a house for my children and myself and this public record is hindering me from doing so because it 's reporting as *derogatory '' on my report. I have submitted the satisfactory document to the other credit bureaus and they have deleted this from my report with no problem. I am in desperate need to have this deleted from my report and I am in desperate need of a place to stay!
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Today, I received an income execution from the XXXX County Sheriffs Department datedXX/XX/XXXX,  indicating that my wages are going to be garnished for an original debt amount of : XXXX due to XXXX XXXX XXXX with an original judgement date of : XX/XX/XXXX. <P/>It also added an additional {$5600.00} for interest, {$620.00} for XXXX, {$40.00} 1rst stage and $ {$30.00} for 2nd stage, for a total due of : {$13000.00} payable to XXXX XXXX XXXX XXXX. Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago! In addition, the interest on this debt seems exorbitant and unjustified. This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

Need to find out if my student loans are government or private. Trying to get lending for a house
Complaint sub-issue: Information belongs to someone else

A auto account was opened without my knowledge. I have ttied to fix the problem numerous time. With that being said under the many rights were violated under FCRA such as but not limited to, Defamation, financial injury US Court of Appeals, XXXX  Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 & FCRA Section 604 ( A ) ( 3 ). Attached will be multiple documents in order to substantiate my claim.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Each month even know I have made all payments and even paid off the card and keeping balances low they keep decreasing the credit card limit on the card which consistently ding my credit score. These are unfair business practices for honest working consumers who are truly trying to improve their situations. I have paid off all credit cards in XXXX which I know my score is XXXX now and improving as I am in the process of purchasing a house. Once again this card lowers my limit after making all this progress on improving and being a responsible person with credit. Does not seem fair or right. Called and the only thing the representative would do is send a request to increase, which would run my credit again ( which dings it again ) for them to increase the limit back to the lower amount they just gave me a few months ago ( XXXX ). This is not fair business practice. I have two cards with them and this is what they did to both cards. He said they will review again in XX/XX/2023.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on Equifax. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

New account fraud : Fraudulent use of my identity ( SSN, birth date, phone number ) to apply for installment loan at XXXX XXXX. Application was made online on XX/XX/XXXX and credit inquiry was run via XXXX on the same date. Identity verification was performed via phone call on XX/XX/XXXX. I was notified of this fraudulent activity by my service provider, XXXX XXXX. I contacted XXXX from XXXX on XX/XX/XXXX, reported as fraud and XXXX said they would remove from bureau. Application for new account was removed by XXXX after fraud report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Over the summer, I had two packages of " beauty serum '' mailed to my house using a name very similar to mine. The envelopes had no return address and the packing slip had only a phone number that no one answered. They also began charging my credit card {$89.00}, XXXX, and then XXXX. I disputed the charges. My credit card disagreed and said not only was I liable for the charges, they would not stop these fraudulent charges on my account unless I closed the account. My credit card company also informed that they could not tell me any information on the company charging my card. Eventually, my credit card company sent me the address of the fraudulent company, and I returned all of the merchandise to them via certified mail. I then asked my credit card company for a refund, and they told me I am liable for all charges because I did not return the merchandise in a timely matter. I had to close this credit card to prevent any more charges, hence closing an account I had open for over 17 years.
Complaint sub-issue: Didn't receive terms that were advertised

Citibank insistently marketed to me their citigold account : the offer involved opening a checking account, plus investment accounts holding $ XXXX or more to receive a bonus of {$1500.00} after 60 days plus a XXXX enhancement in the cashback bonus I already enjoyed with my Citi Mastercard. 
I held the accounts ( checking and investment ) with over $ XXXX from XX/XX/XXXX, and at XX/XX/XXXX I requested my benefits. 
The chat feature in the website responded they couldn't do that and I had to call a phone number. 
I called the phone number and they had me waiting on hold for 20+ minutes, during which I could not do anything else, because the " music on hold '' consisted of a distracting drone repeating every 10 seconds that I should be doing this online. 
Finally, an attendant responded and as soon as I explained my request, the call was dropped. 
I can't know for certain that this was intentional, but I do know for certain that the bank didn't call me back, and the bank didn't credit the promised rewards during the following few days. 
Not having another 20 minutes to spare, I have not attempted the maneuver again : today I closed the accounts. Still, I had earned the {$1500.00} and citibank failed to honor their marketing promise.
Complaint sub-issue: Reporting company used your report improperly

I submitted an dispute to the bureaus 30days ago about XXXX  bill being reported on my report. This violates my privacy, my security and violates HIPPA which is against the law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records.
Complaint sub-issue: Their investigation did not fix an error on your report

Summary XXXX has applied a fee of {$300.00} to my account, improperly o The fee is improper because I was never notified or informed about the existence of this fee until after it was applied o To the best of my knowledge, I did not consent or otherwise agree to this fee when placing an order for services by XXXX Efforts to dispute the fee directly with XXXX did not resolve the situation Although I paid the bill for services I agreed to receive, I did not pay the outstanding balance pertaining to the disputed amount Despite my dispute efforts, XXXX sent the unpaid balance to collection and reported a negative credit report to all three national credit bureaus The negative credit item caused my credit score to drop by 145 points, and resulted in a denial of credit by a financial services company I furnished all of the information to the credit bureau, as evidence of an ongoing dispute. The bureau has not removed the negative information from the credit file.
Complaint sub-issue: Information belongs to someone else

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$160.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX  Last reported XX/XX/XXXX {$470.00} Reported balance Credit limit XXXX XXXX FKA XXXX  XXXX Account Type Lease Balance {$470.00} Date OpenedXXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date OpenedXX/XX/XXXX 1. The persons name they verified the dispute
Complaint sub-issue: Trouble with how payments are handled

This is a continuation of complaint XXXX, as I believe it was closed in error. 

FedLoans had my complaint closed because they said I was involved in " pending litigation '' regarding my student loans. We filed for Chapter XXXX bankruptcy on XXXX XXXX, and received a discharge, but there was no other litigation involved and the student loans were not discharged. 

About two weeks ago, after I received your notice that my complaint was closed, I started emailing FedLoans daily to ask for status on my Income-Based Repayment application, which was also filed in XXXX and was never processed or responded to. After several days of emails in which my account was still listed as on hold, they told me " You are in bankruptcy, we are not going to process your application. '' I got a bill this week ( in a letter dated XXXX XXXX ) that said my account payment was two days past due ( XXXX XXXX ), still for the {$1100.00} payment amount. 

I have been trying to get resolution on this issue for EIGHT MONTHS now, and it was the main reason my husband and I had to file for bankruptcy in the first place. FedLoans should have adjusted our payment amount to match the IBR, and they still have n't, and now they ended my forbearance and apparently retroactively started making payments due? ENOUGH IS ENOUGH!