Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

I am reaching out to obtain a status update on the request made on XX/XX/2022, regarding XXXX XXXX XXXX XXXX. MOHELA is literally " hiding '' behind the issues that are presently addressed through the legal system. I have been in the XXXX XXXX XXXX XXXX for over XXXX years with over the XXXX payments required for forgiveness, and my account was only affected by those legal issues once you all CONVINCED me to consolidate my parent plus loans. 

I am attaching a copy of the letter from FED Loans dated XX/XX/2022, indicating that my XXXX  XXXX XXXX was XXXX at that time. I am also attaching a copy of the PSLF Payment Tracking showing that I made XXXX payments. 

I consolidated on XX/XX/2022, to include my parent plus loans. MOHELA processed the consolidation on XX/XX/2022. I was on the Income-Driven Repayment ( XXXX ) plan before consolidation and am currently on the XXXX payment plan. MOHELA has only given me credit for a total of XXXX payments. 

I was provided information from XXXX XXXX XXXX and MOHELA that my payments before consolidation would be counted after the loans were consolidated. This has yet to happen. Instead, MOHELA has been " gaslighting '' me since day one. They have not applied any of my payment counts to my student loan account. I do not wish to move forward with the consolidation if they do not plan on upholding their end of the agreement. I made the XXXX payments before consolidation, and I want to revert my loans to their status before consolidation. This would leave me with the parent plus loans needing to be repaid back for roughly {$14000.00}, give or take a few dollars. I would have never consolidated in XXXX of 2022 if they had not practiced " deceitful tactics '' to lure me into consolidating those loans. 

I have tried contacting MOHELA, XXXX, and FED Loans to resolve this situation. I have yet to be successful in obtaining any resolution from these folks. The representatives at MOHELA are very unprofessional and have a nonchalant attitude when discussing your concerns with them. The last representative laughed during our phone call without any provocation. 

I need clarification on how MOHELA acquired my loan in consolidation but not my payment count. I have spoken to several representatives with MOHELA, and all of them have assured me that they only enter notes into the computer system and can not provide ANY assistance on my account. I have a copy of my entire FED Loans file, over 1,000 pages. I have been in the PSLF program for over ten years. I can not email the file as it is too large, but if you need additional information on my student loans, I probably have access to the data. I can be reached at ( XXXX ) XXXX or at XXXX.
Complaint sub-issue: Problem accessing account

I've tried twice now to link my PNC account with another account ( once on XX/XX/2020 at XXXX. and once about a month before at XXXX ) using XXXX, but I'm being informed the PNC has made a change the prevents me from being able to link accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry dates XX/XX/XXXX XXXX 

15 USC 1681 section 602 A. States i have a right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Problem making or receiving payments

Earlier in the year I made out a check and mailed to a merchant as a common thing to do except that this time the merchant never received the check. I then saw in my checking account that check had been already cashed for a different higher amount. So I went to my bank ( Citibank ) to verify why the error of the amount on check. I asked for a copy of the cashed check and as u suspected it was a completely different writing and signing in the check. I realized I was a victim of a check fraud. I have the carbon copy of the check I originally wrote and showed to staff manager of the bank. After a long time of waiting for their fraud department to pick up the phone nothing was really done and they told I have to personally call them myself which I did and after making me wait on the phone forever they told me the matter will be under investigation and they can not give me a conditional credit in the meantime. Process of investigation could take up to 90 days. Its been already over 5 months since this matter! What Im even more upset about is the lack of sympathy from Citibank for me whos been a customer for over 30 years! And by not giving me a instant conditional credit to my account! Thank goodness the amount of fraud wasnt thousands! Im still waiting for a response and my feeling is it will never happen. Thats why I have no choice but letting you know about this. I have check copies of fraud and other documents of proof. Hope this matter make the bank to be more sympathetic of their fraud victims and do the right thing!
Complaint sub-issue: Personal information

A address of a relative ( XXXX XXXX XXXX. ) is listed as mine, I never lived there.
Complaint sub-issue: Account status incorrect

Incorrect information or fraudulent .This is discrimination based on gender race and financial capabilities. I want to file lawsuits against XXXX XXXX and Equifax for libel and slander.
Complaint sub-issue: Problem with fees or penalties

I held a 12-month CD with Sterling National Bank ( XXXX ). On  XX/XX/XXXX, I received an email from Sterling National Bank letting me know that my CD was " coming up for renewal. A renewal notice will be mailed to your address on file in the near future. '' The email did not state the date of renewal. I never received the renewal notice in the mail. My husband did not receive this email - only I received this email. 

On XX/XX/XXXX, my husband received an email from Sterling National Bank letting me know that the CD had automatically renewed and containing a " Truth in Lending '' disclosure document. The disclosure document stated that the bank would allow a 7-day grace period for withdrawals without penalty following an automatic renewal. I did not receive this email -- only my husband received this email on XX/XX/XXXX, and he had to forward it to me. 

I called Sterling National Bank to ask when the CD had renewed, as I had never received the notice in the mail that was mentioned in the email sent on XX/XX/XXXX. I was informed that the CD had renewed automatically on XX/XX/XXXX. I asked why I never received my paper notice in the mail, and was informed that it was probably because Sterling 's address system did not include my apartment number ( which I had provided to them upon applying for the account ). 

I was told I could get out of the CD but would have to pay 3 months ' interest in order to do so ( a penalty of {$230.00} ). I asked about the grace period and was told that the grace period ended on XX/XX/XXXX. I informed the representative that I was not informed about the grace period until XX/XX/XXXX and therefore could not have canceled in time. The person on the line told me that there was nothing she could do and that it was my responsibility to know the dates. I informed her that I thought it was unlikely that banking regulations anticipate that retail banking customers will have better information than the bank itself. 

Sterling National Bank failed to inform me about the upcoming renewal and then failed to let me know about the grace period until after the grace period had elapsed. In fact, they never let me know about the grace period. They only informed my husband, and even then, he wasn't informed until XX/XX/XXXX when the grace period elapsed on XX/XX/XXXX. I believe they did this on purpose in order to assess fees from a retail customer.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX  XXXX
Complaint sub-issue: Account status

The company originally had my account listed right but since has changed it to being wrong again. : / I just wish they could get the reporting of accounts right
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 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: Problem with balance transfer

I have used Square to receive payments for several years. Two weeks ago someone hacked their site and put a {$400.00} charge through on my account which I immediately refunded. I then continued to take payments after changing my password. Now they will not transfer my money into my back account.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On or around XX/XX/XXXX I called XXXX XXXX XXXX XXXX regarding a old collection that had been brought to my attention. It was at that time they cross referenced my ex-husband 's name and advised me that they were going to add me on to a collection account that had been placed in his name. I advised them that we were not legally married at the time he obtaining that debt. Soon after they not only filed a lawsuit against me in the amount of {$17000.00} plus interest and legal fees, but also placed the growing amount on my credit report on a monthly basis. I advised them several times that the documents they were provided with by the original creditor were incorrect. I notified them by phone and in writing that the debt was invalid and they refused to withdraw the suit or remove the report. I did not have a contract with the original creditor for the disputed amount and do not have a contract with XXXX XXXX XXXX XXXX. The two documents my attorney was provided was an incomplete request for enrollment which did not list a financial amount due to the fact that I did not at full tuition, but was granted a reduced tuition which was paid in full, and an inaccurate and outdated ledger. XXXX XXXX XXXX XXXX accepted this debt with insufficient information and are working it on contingency, where they stand to benefit financially. I also believe the attorney working this suit is also working on a contingency basis which poses a conflict of interest in ignoring my previous disputes. I have since hired an attorney and he also advised them the debt was not valid and instructed them to remove it from my credit report. XX/XX/XXXX the amount increased again and was categorized as a Bankruptcy on my three credit reports. The inaccurate reporting occurred during escrow and disqualified me from obtaining a mortgage to which I was in contract for. XX/XX/XXXX they reported an " Inquiry for an installment loan '' further damaging my credit. 

Please note that the original creditor XXXX XXXX XXXX XXXX XXXX is currently the defendant in several other suits involving tuition disputes following an administration change. Furthermore, the entity that entered into a contingent collection agreement with XXXX XXXX XXXX XXXX is NOT the entity that was in existence at the time my children were enrolled and I was granted a reduced tuition rate and they have failed to prove otherwise as no such documents exist.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing this issue since, XX/XX/2021 the credit bureaus is not responding to this issue. i have sent in letters for months. The information that is present on my credit file is not correct. They always say accurate are verified. I need to see documentation of these accounts in question, with original signature. They can not provide me this information. I want these accounts deleted from my credit file within 15 days.
Complaint sub-issue: Information belongs to someone else

upon checking my credit report i noticed that i have fraudulent accounts on my file. i reached out to fix problem but i have not been help in any way from the crb
Complaint sub-issue: Account status incorrect

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS US DEPT OF EDUCATIO XXXX not mine How is Equifax able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a ci
vil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing an account this is impacting my credit score because Equifax and XXXX are reporting incorrectly. I have sent them 4 letters, XXXX, XXXX, XXXX, and XXXX of 2021. I have yet to receive a response. 
This account was settled and paid and both XXXX  and Equifax are still reporting it derogatory, which is an FCRA violation There are many conflicting reporting errors, they have not verified this account at all.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. This negative account is preventing me from obtaining credit and obtaining a mortgage.
Complaint sub-issue: Attempted to collect wrong amount

U.S.C 1692 e ( 2 ) False or Misleading Representations in Communications A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
I have reasonable cause to believe that ( AFNI Collection Agency ) is using my nonpublic private information to bring harm to me. They open this account without my consent. 
This Company is putting a lien on my License, and I tried to resolve the issue at hand, but the company refuse. 

UCC3-603 Tender of Payment, if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This has been over 12 yrs tgey kerp selling the accoubt to other debts and harnessing me when i was working ... lieing saying the us Marshals was coming to deal with me about the debt ... causing so much aggravation n harrassment.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022 to the Credit Reporting Agencies requesting that the Credit Bureaus conduct another investigation on my Credit Report and verify the information being reported by the Accounts on my Credit File. I am frustrated and feel there are many errors that are still being reported on my personal Credit File. The Credit Reporting Agencies are required to validate the disputed Accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable for the Credit Bureaus to continue reporting the disputed accounts without providing me any proof of verification within the time period allowed by law. I am submitting this CFPB complaint to remind the Credit Reporting Agencies to verify the accounts being reported on my Credit report and correct or remove any erroneous accounts from my Credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX  XXXX XXXX I 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: Debt was result of identity theft

I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent. 

In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Complaint sub-issue: No notice of investigation status/result

I XXXX, am filing a complaint because Equifax has ignored my request to provided some kind of documents that their company has on file that was used to verify the Public Record I disputed. Being that they have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank you!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This company has harassed me for a debt they claimed I owe but I never received any letters in the mail nor any proof of said debt. They contained to call even though I repeated told them to stop calling until they provide prove or send me a letter in the mail on such said debt.
Complaint sub-issue: Right to dispute notice not received

1. Hunter Warfield sent me a letter to collect application fee and reservation fee for their client : XXXX. 
2. XXXX is an apartment renting and management agent in XXXX XXXX, to which I applied an apartment to rent in XXXX online, however I never got any reply from XXXX to either accept or reject my application. Later on they charged me for application and reservation fee, which I requested them to present me any legal documentation signed by both parties, which they failed to do so. XXXX then decided to send this case to the debt collection service Hunter Warfield. 
3. Once I got the debt collection letter from Hunter Warfield, I sent three certified letters to Hunter Warfield to respond and present me any legal documentation which proved that I owned XXXX any fees, Hunter Warfield never replied my requests. 
4. Due to my international travel and a potential impact on my credit while I was traveling, ( this was clearly stated in Hunter Warfield letter to me " This debt has been reported or is scheduled to be reported to one or all of the following XXXX national credit reporting bureaus : XXXX. If your debt is reported to the credit bureaus this could adersely affect your credit. ) 5. I then filled their debt collection letter with my credit card info for the charge, alone with a letter clearly stated that they needed to reply my request on providing me legal documentation on the debt before they could charge me on my credit card. 
6. Couple of weeks later when I came back from my international trip, I did n't receive any legal documentation on the debt Hunter Warfield claimed that I owed, but Hunter Warfield had charged my credit card.