Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Company closed previous complaint stating they were unable to locate my account. Which is simply untrue, as they report to the credit bureaus and received my certified letter which contained enough information to locate and access my account. I am uploading documentation to support my contention. Letter from XXXX, my certified letter to them, a copy of my XXXX credit report.
Complaint sub-issue: Account status

I have disputed the issue with Equifax, but have received no response other than a request for more information that I responded to over 2 months ago. I am trying to get a  " Fraud Victim Extended Alert ''   removed from the account. Equifax is extremely difficult to contact I have written 3 times via snail mail ; the last  X/X/2017   .
Complaint sub-issue: Didn't receive notice of right to dispute

This account suddenly reported on my credit and I have no idea what it is as XX/XX/XXXX has been paid so this can not be truly a XX/XX/XXXX bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of TN a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of TN. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.
Complaint sub-issue: Problem with rewards from credit card

Discover closed my account ending XXXX in order to steal my rewards. I always paid bills on time, never late and earned 150000+ miles in rewards which would be around $ 2000+K cash. 
I requested my rewards redeemed on XXXX XXXX at that time Discover assured me rewards would be paid automatically on XX/XX/XXXX for that I did not needed to call in : they made me to believe that they will send a check or transfer cash to my bank account as they did previously when I redeemed my rewards previously. 
Few days ago I saw that my family member made a purchase on XXXX and redeemed my Discover rewards, I never consented to Discover or XXXX to use my rewards as payment option, I don't understand whythose companies decided they can use my rewards without my permission. 
Today on XX/XX/19 I contacted Discover again to get my rewards and was told that Discover closed my account on XX/XX/19 ending *XXXX  because " they did not hear from me and my rewards are voided '', never sent an email or mail or any indication informing me about intent to close my account. 
So today, on XX/XX/19 I spoke with XXXX mngr in OH he refused to redeem my miles for me because " when I called on XX/XX/XXXX to request my rewards I was told rewards will be paid out automatically and I don't need to call, but then I needed to call again in order to redeem. '' this istrolling and scamming practices to steal my rewards. No other credit card company ever demanded my Tax Returns from IRS. 
No notes, emails, letters with deadlines or anything indicating reason for closing account ending *XXXX  therefore Discover did not wanted to pay my reward which would be approximately $ 2000+ Discover is a  scammer and a thief, they invent tricks to steal from us our rightfully earned rewards : in instance, they emailed me yesterday on XX/XX/19 stating that they put me on their Match program on my account ending *XXXX that was never even activated and is closed. 
For the demand of my IRS records I received and email from someone looking like a spam and I thought was a scam that did not come from Discover email, I deleted it as it wanted me to click on the link. I learned it was from Discover only after I called in to activate my new card ending *XXXX. XXXX told me that spam looking email was from them on XX/XX/XXXX, ( XXXX from their special department ). Then he asked me if he should close the account and hanged up the call. Then I called again, spoke with the female agent and she confirmed that XXXX was accurate and they will not activate account until I give them access to my tax returns from IRS. I refused to allow any credit card company access to my IRS records. and they closed my both accounts without any notices in order not to pay my reward.
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery Co. Opened on XX/XX/2015 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not have an account with them.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I contacted XXXX XXXX at Citibank because I was making my payments of {$300.00} and Citibank got greedy and raised my minimum payment to {$570.00}. I explained my unfortunate set of circumstances and tried to take preventative actions with Citibank asking for Citi to work with me as unfortunately have fallen short and would to modify terms. 

Temporary hardship plans - These plans are typically set for 6 or 12 months. I am requesting CITIBANK to reduce my account to 2 % of my current balance. I am requesting for CITIBANK to address the interest rate and reduce to anywhere from zero to 9 %. I am requesting for CITIBANK to waive fees and penalties and offer me a pre-plan arrangement. I requested for any long term hardship program - provide me with payments amortized over 5 years ( 60 months ) which would be similar to the temporary plans of 2 to 2.5 % of the current balance set as your monthly payment.
Complaint sub-issue: Account status incorrect

I paid off an auto loan I had with XXXX XXXX XXXX, back in XX/XX/2013. I  demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that XXXX XXXX XXXX is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.
Complaint sub-issue: Attempted to collect wrong amount

The collection agency - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) falsely and repeatedly submit collection record to the credit reporting agency which has severely damaged my credit score - score dropped by XXXX in XXXX day. The dispute is regarding a medical bill with original amount of {$260.00} occurred in XXXX. According to the insurance company I had in XXXX, the amount of {$260.00} is covered by the insurance and I 'm not responsible for this amount. 

I had previously opened dispute cases with all 3 credit reporting agencies and the cases have closed and the collection records were removed. However, XXXX XXXX XXXX repeatedly report new collection record regarding this amount to agencies on almost monthly basis and has greatly damaging my XXXXredit score. 

Therefore, I 'm filing this complaint with CFPB and hoping to resolve this false negative record against me once for all.
Complaint sub-issue: Public record

I do not have a case number. I have tried to dispute the information on my Equafax but I can not sign on. The website does n't reconize me. When I try to call I hold for 15 minutes then get disconnected because " they are responding to a large amount of calls ''. I have tried to go on the website and chatting with a representitive and they just apologize and tell me to call again. My credit report does not show my bankruptcy, all depts are still being listed as charge offs.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not have a contract with XXXX XXXX XXXX.They are furnishing false and inaccurate data to Equifax. My dispute with XXXX  on XX/XX/2020 resulted in the inaccurate, false information reported by XXXX being deleted and removed from my report.. However, its still inaccurately being reported at Equifax.
Complaint sub-issue: Can't close your account

I told U.S. Bank to close my credit card account in XX/XX/XXXX on the phone. At the time, the customer service representative made me jump through a lot of hoops and kept warning me that closing my account would have adverse affects on my credit score, my home loan, etc. ( none of which was true ), in a transparent attempt to try to make me stay. It took at least an hour, but I was told it was closed. 

In XX/XX/XXXX, I received a notice that I had late fees and a balance on my U.S. Bank card. When I called, it turned out they never closed it, and they denied ever receiving my request to close it. Some recurring charge appeared, they sent me no notice, and then they tried to charge me late fees on top of it. I have had to spend more time calling multiple departments and explaining this over and over before they finally agreed to reverse the fees. This seems like a scheme to me, and probably happens to many of their customersbut they simply pay the fees to make the problem go away. I still have not received any confirmation that my account is actually closed, and there seems to be no recourse or people who I can talk to at U.S. Bank to address the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I spoke to the credit bureau and was told that the items would be removed from my report and that I needed to send them my ID, Social, and police report. I provided the items to the credit bureau and they were not removed. I have sent in this to the credit bureau and loaded it here.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I took a private student loan with XXXX XXXX last fall with my mom as cosigner. I withdrew in XXXX, which was early enough not to affect my transcript. However, no money was refunded to my loan. I have been left owing the full amount for that semester, which was XXXX. That loan has a ridiculously high interest rate for students in the first place, XXXX and they will not budge in order to help someone struggling!! XXXX XXXX will not even reduce the amount owed for a part time worker who is going back to college this fall. I don't feel that I should owe such a huge amount for only 2 months at that university!! XXXX XXXX is a complete ripoff!!! I do not advise anyone to use them!! Even if I pay only on the interest, my payment is still too high and basicly accomplishing nothing!!! I need help desperately wi th someone who will take my loan at a lower interest rate with a manageable payment, or to negotiate with XXXX XXXX to reduce the amount and reduce the interest rate!!!
Complaint sub-issue: Trouble with how payments are being handled

FedLoan Servicing 

I have been enrolled in IBR, quite successfully, with FedLoan Servicing for over 5 years. On   XXXX   XXXX  ,  XXXX  they received my IDR request to switch from IBR to REPAYE, and said "Within the next 10 days (if not sooner!), we will review your request and send a follow up email of next steps and any additional actions needed."

On   XXXX   XXXX  ,  XXXX , I received a message from them saying "We will send you information about your request as soon as possible... Thank you for your patience as we process your request!"

On   XXXX   XXXX  ,  XXXX , I called them and asked what was happening. I explained that I had submitted a request to move from IBR to REPAYE several weeks previously and still hadn't heard anything. They said I needed to have patience. Then the customer service rep said "oh, it has been a long time, you submitted on   XXXX   XXXX  ." The customer service rep said I'd hear "soon".

On J  XXXX   XXXX  ,  XXXX , I received a message saying:
"We will process your Income-Driven Repayment (IDR) recertification request once the final bill of your current schedule is generated on   XXXX  .
Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request.
Reminder: Continue to make your normal monthly payment amount. Your payment amount may change, but we will notify you of the new amount and when it is first due."

I called them within an hour of receiving that message to ask what was happening and to translate the email. The customer service representative said I'd receive a notice "soon" that would be a $  XXXX   invoice for the next month's payment. After that $  XXXX    payment, I'd be made aware of my new REPAYE monthly payment. And then, in   XXXX   XXXX  , I'd have to recertify my income and calculate a new REPAYE. That seemed reasonable.

Today is   XXXX   XXXX  , and I haven't heard anything. I'm frustrated with the communication and customer service from FedLoan Servicing. I need help. Thank you.
Complaint sub-issue: Account status incorrect

To Whom it May Concern, I took out two private student loan accounts during medical school with XXXX. These two accounts were in deferment during my XXXX XXXX. In XXXX of my XXXX XXXX year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " XXXX XXXX '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of XXXX XXXX and settled at {$19000.00}. The second account was in the amount of XXXX XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted XXXX on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that XXXX can not find me in their system by either my SSN, name, date of birth or the XXXX account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on XXXX 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these two accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. XXXX is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.
Complaint sub-issue: Debt was result of identity theft

ERC tried to collect on a XXXX XXXX bill that the credit reporting agencies contacted me about. The credit reporting agencies informed me that I was a victim of identity theft and deleted the account from my credit report. ERC then tried to report it. I disputed it and their solution was to sell the debt to XXXX XXXX, who just sent me a bill. ERC knew that there was no debt and they sold it to another company to continue their harassment.
Complaint sub-issue: Received bad information about your loan

Made pants to XXXX XXXX XXXX co for consolidation to a servicer in the amt of {$47.00} in 2014. Relating to the XXXX 0 plan. I was told that my pymt was going to the dept of ED but yet nothing was applied to my school loan. When questioned, they said the money was ONLY to the servicer as a fee to show my account as being pd for an amt of time.XXXX was the number I called. More like a forbearance pymt, I think. It started in XX/XX/XXXX! Said it was with XXXX. No money was ever applied to my account during that time. Now 13 years after my initial loan of {$12000.00}, I still owe {$9000.00}!!! But have been making regular pymts to attempt to get this resolved! Help!
Complaint sub-issue: Confusing or misleading advertising about the credit card

XX/XX/2020 Discover it Secure Credit Card, issuer of the Discover Card, at XXXX. XXXX XXXX, XXXX, DE XXXX. 
Discover it Secure Credit Card Dear Discover, I would like to ask you to reconsider my Discover it Secure Credit Card application. I recently applied and I was rather surprised to receive a denial regarding my secured credit card application because essentially and according to your website I was suppose to be guaranteed approval. According to your website, the Discover it Secure Credit Card requires you to place a refundable security deposit that serves as your credit line. 

In your letter, you listed that the reasons for the denial was because there were too many revolving credit lines. However, I have over 100 plus on time payments. My reasoning for choosing this card was due to the numerous positive reviews shared by my family and friends with respect to this card, and its great credit building tools for people with limited or bad credit. The reason for the acquisition of the Discover it Secure Credit Card is it will prove especially useful to me and help to improve my credit score and build credit over time, thus making certain types of transactions possible which would be advantageous for me. I sincerely believe that I deserve a chance with the Discover it Secure Credit Card so I can prove to you my reliability and loyalty to this institution. 



I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best,
Complaint sub-issue: Was not notified of investigation status or results

Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX To Whom It May Concern : My name is XXXX XXXX XXXX and I am filing an official complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDAHO XXXX. 

The attorney falsified details on a complaint filed in Third Judicial District in the State of Idaho ( CASE # : XXXX ). 

I requested proof of debt which is my legal right. Letter of Validation : Collection efforts, i.e. documentation, phone calls and/or letters from both the Citi Bank and/or his office. No proof of debt was provided.

In the complaint he stated that he made numerous attempts to collect debts and again 10 days before complaint of judgement was filed. There has been no collection efforts from Citi Bank or the attorney. I sent a letter requesting proof of all actions. NONE was provide. This debt is no longer owe- according to CitiBank . 

The attorney, XXXX XXXX XXXX knowingly and intentionally practiced deceit knowing that his action would cause hardship and unnecessary stress. I also filed a complaint with Idaho XXXX XXXX XXXX regarding his actions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This inquiry is unknown.
Complaint sub-issue: Problem getting your free annual credit report

I am trying to retrieve my consumer report. Due to the previous identify theft issues I will provide a notarized affidavit of identity.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

ERC is still trying to collect a debt that was included in the bankruptcy. I also was a victim of identity theft. I filed a report with the federal trade commission.
Complaint sub-issue: Debt is not yours

I received a letter last week from USCB XXXX, attempting to collect on an alleged debt owed by me to XXXX XXXX XXXX in teh amount of {$15.00} plus interest of {$2.00}. The service date referenced was XX/XX/2018. I did not even live in XXXX XXXX at that time, and I believe I had already switched insurance. I was never sent a bill for this in the past, as I would have quickly paid a {$15.00} bill.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  Account Number : XXXX Please remove it from my credit report. 

11. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report.