Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2010 a process server served a XXXX XXXX with a Case # XXXX that individual had a debt with XXXX that individual passed away in an affidavit filed with the court The same case # XXXX was then also used on XX/XX/2010 for a debt to Citibank for me I had done a motion with the court and advised of this and the judge decided it was a typo and didnt want to look at the case because I didn't show up to court back in XXXX. I was not properly served the same case number was used for 2 different judgments on 2 different people. XXXX XXXX has overcharged on the debt and retroactively imposed interest charges I have called and tried to do a settlement but they refuse to settle for less than the full balance. Now in a pandemic and am being garnished and it is causing a hardship
Complaint sub-issue: Debt was paid

This debt was paid and this inquiry was removed from my credit report. It now shows back again on my credit report. This information is inaccurate due to debt being paid already and I have proof of snap shot picture on my phone showing this is paid and was removed from my credit. I can and will supply proof of this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Fraudulent loan

Ally admits to the forgery as XXXX says, I went in to the dealership and signed these papers on the XXXX of XXXX with electronic signatures. 
XXXX admits that ally forged my signature because I was not involved with any transactions on XX/XX/XXXX at the dealership.
Complaint sub-issue: Trouble with how payments are handled

My direct unsubsidized consolidation loan was paid in full in XX/XX/XXXX, and I received a confirmation letter on XX/XX/XXXX from Fedloan Servicing stating that the loan was paid in full with a zero balance. My account was signed up for direct debit, and no further transactions posted after that time. Then, on XX/XX/XXXX, I received a letter that the account was in delinquency for 150 days with a balance of {$62.00}. The letter also stated that each nationwide consumer agency " has been notified of your late or missed payments ''. How can this be allowed to happen?
Complaint sub-issue: Can't get other flexible options for repaying your loan

College : University XXXX XXXX Location : XXXX, CT It has been a nightmare dealing with Discover Student Loans. In XXXX, XXXX, and XXXX Discover Student Loans verbally harassed and disrespected me. They called me early in the morning and late at night, they hung up the phone on me, they took more money from my account than I authorized on numerous occasions, they gave me false information, and while all this was happening interest was accumulating causing my loan to go into default. In XXXX and XXXX they overcharged me on student loan payments. Discover created student debt stress for me by inflating my bills and misleading me about important benefits. I signed up for an Income based repayment plan and they took out more money than I authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would so they lied to to me. I ended up waiting an additional 2 weeks for one refund. Once I got the refund it was not the correct amount so I had to wait an additional week to get the correct amount. They stole more money out of my account a second time by taking more money than I authorized them to take. I had to wait another 2 weeks for a second refund. This type of illegal practice subsequently resulted in my private student loan accumulating interest while I was getting abused and ending up in default. Discover never gave me a fair chance at paying off my student loan. I have complained numerous times to CFPB and Discover since XXXX and here we are in XXXX with no help, 4 Years! The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. Discover Student Loans is notorious for Illegal Servicing Practices. 
I also feel as if race could have been a factor since I have a XXXX sounding last name and this is America! I know how people should be spoken to because I have a long history in customer service. The way I was spoken to, the misinformation that was given to me, the tone that was used during those abusive phone calls, and most importantly there overall practice felt like oppression. My credit is messed up because of this defaulted loan and I am emotionally stressed and my quality of life has been affected.
Discover did not provide the most basic functions of adequate student loan servicing for a portion of the loans that were transferred from XXXX including me. I encountered problems as soon as my loans became due and Discover gave me account statements that overstated their minimum payment. Discover denied me information that I would have needed to obtain tax benefits and called me at inappropriate times about my debt. Discover violated the Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibitions against unfair and deceptive acts and practices, and also the Fair Debt Collection Practices Act.
Complaint sub-issue: Need information about your loan balance or loan terms

My loan was serviced by FedLoan Servicing XXXX XX/XX/2022 I requested a refund of my student loan payments made during the pandemic totaling {$10000.00}. 
I was told the request was successful and I would receive the funds in 6-12 weeks. 
On XX/XX/2022 I called to check on the refund because I hadn't received any information or money. 
I was told by FedLoan Servicing that the money was already transferred to me in XXXX. But I haven't actually received any money. No one will tell me where it was sent.
Complaint sub-issue: Information belongs to someone else

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them from my file : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Complaint sub-issue: Problem getting your free annual credit report

I opened my first credit card with XXXX on XX/XX/XXXX. 
I opened an account with XXXX XXXX on XX/XX/XXXX and closed it XX/XX/XXXX. 
I opened an account with XXXX XXXX XX/XX/XXXX. 
I opened an account with XXXX XXXX on XX/XX/XXXX. 
My lender did a hard inquiry on my credit on XX/XX/XXXX. 
From this inquiry, I was informed that Equifax does not have a file on me. I was told to open up another card that would report to Equifax so that I am able to get a loan for a home. I researched and found XXXX that reports to all three bureaus. On XX/XX/XXXX I got a notification that this new card has reported to XXXX  and XXXX, but not Equifax. 
On XX/XX/XXXX, I requested my free credit reports from XXXX, and was able to receive all reports except for Equifax, which required me to mail my drivers license and social security card. I went directly to Equifax 's website to request the report, and received error code NH ( which means no hit, or no files found ) and was told to call customer service, who was very rude and ignored what I had to say about the NH error, and told me to fax copies of my drivers license and social security card to get a credit report. I do not necessarily have a need for my credit report, I just needed to see if any cards were reporting to them so I could proceed with my loan. 
Following this, I contacted my current credit card companies, like XXXX who I've had for 2 years 5 months, who, over customer care, verified that they have been reporting my statements from XXXX to Equifax every month. 
It does not make any sense that my lender can not find a file through Equifax, and Equifax themselves say that they have no files on me when my banks have verified that they have been sending a report monthly. I do not see a need to fax my information over just for them to tell me that I don't have a report with them. I need Equifax to properly report the information that they are receiving from my banks so that I can continue applying for a loan with my lender to get my first home.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX I made 2 purchases on 2 separate dates from XXXX XXXX XXXX  XXXX through XXXX. In XX/XX/XXXX, I received a partial shipment from one order, the order was missing items and even had a note saying they were out of one item and they would refund me. I contacted the seller, then I only received partial items from the second order. Since XX/XX/XXXX I have been contacting the seller at least monthly about these items missing. The seller kept telling me she was taking care of it and aware. XXXX comes around and I message her again, she tells me to contact her assistant. I do as instructed, the assistant tells me she does not handle orders but will remind the owner. Another month or so go by and nothing, I reach out to the assistant again and she tells me that she already reminded the owner and the owner said she is aware and taking care of it. More days go by and I receive no response. Early XXXX, I message both, owner and assistance and express my concerns for the missing items since it has been so long. The owner becomes very defensive and tells me there is no way the missed that many items, and that she even has to sign off on some of them. She refuses to look back through our conversations to help her have a clear picture in her head of what I am talking about. She finally tells me she will look into it and to give her a couple of days. 2 weeks go by and no response, I message them again for an update with no response. I file a dispute with my credit card company Discover card. They validate 2 out of my 4 disputes but have been unhelpful about the two disputes with missing items. She did send some bags, but that does not mean she sent me all the merchandise I paid for which comes out to be about {$1000.00}. 
While I have always been happy with Discover, they have failed to keep me up to date on status, I've had to call them weekly, then they said those charges were valid on XX/XX/XXXX, I called again on XX/XX/XXXX and the agent sent the cases for supervisor review. Here we are XX/XX/XXXX and no response after calling for follow-ups weekly. On XX/XX/XXXX I requested to speak to a supervisor at Discover and they said no one was available but that someone would call me back within 48 hours- no call as of today XX/XX/XXXX. However, I just received two emails telling me once again the charges were valid. I have provided extensive documentation of my conversations with the seller where she is telling me she is working on it and yet nothing happens, I have even sent them the conversations where the seller becomes hostile towards me for filing the disputes. I have been a long time customer of Discover and it is very concerning that they won't even take the time to call me when I request to speak to a supervisor. This seller just took {$1000.00} of my hard-earned money and I have no support from my credit card company.
Complaint sub-issue: Debt was result of identity theft

Avante USA has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Avante USA provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Avante USA has failed to provide any original copies of verification obligating myself to this debt. Since Avante USA has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
Complaint sub-issue: Debt was paid

I gave XXXX XXXX County Fire my medical insurance information for an ambulance transport to the hospital in 2018. Everything was settled thru my insurance company XXXX XXXX. I am now receiving harassing letters from Professional Credit Service demanding that I pay them {$200.00}. I do not owe this money.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021, I received a text message alert from Citibank asking about a purchase. I responded that I did not authorize the purchase. I was immediately contacted by Citi fraud regarding the unauthorized attempt on my account. While on the phone with the Citi rep I was sent several Citi codes to help secure my accounts, which the Citi rep asked for to verify my account. I was on the phone for quite a while with this Citi rep when a message was sent to me asking about a transfer of funds through XXXX. The Citi rep told me it was a " test '' and no funds were leaving my accounts. After following his instructions, my account was immediately drained with the almost exact amounts in both my savings and checking. I was screaming at the Citi rep that my money was being stolen and he told me that he was locking my account and blocking all transactions. I checked my mobile app for Citi and my account was indeed locked. I asked for the information for the person who was trying to transfer funds out of my account and where the initial charge was attempted. He finally gave me the information at the end of the call. Feeling very uneasy, I called Citi fraud back and learned that both of my accounts were in fact drained of all funds while I was on the phone with the Citi rep. I spent the next 1.5 hours on the phone with the Citi fraud and Citi-XXXX fraud departments. It was confirmed by two Citi fraud representatives, during my second phone call that the Citi rep from my first phone call with the fraud department was a Citi employee. Additionally, when I went to Citibank - XXXX to open new checking and savings accounts, the bank manager confirmed that the numbers from which the texts the first Citi rep sent me text messages to take over my account came from the same Citi number that the bank manager received his messages. I was told on XX/XX/2021 that the stolen funds would be put back into my compromised account and then transferred to my new accounts on XX/XX/2021. As of today, XX/XX/2021, I have still not received my funds back. Moreover, I have been informed that IF Citi decides to return my money, it will not happen until XX/XX/2021. I believe I am not the only target of this Citi employee, that Citi is trying to cover it up and it is totally unfair that I had all my money stolen and Citi refuses to return it, especially since it was done by one of their employees. Attached to this complaint are the text messages I received while on the phone with the first Citi rep and the email I sent to our families personal banker for your review, response and file.
Complaint sub-issue: Old information reappears or never goes away

Reported by XXXX, XXXX, and Equifax, I have numerous old student loans that should have been removed from account going back to XXXX. I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

I had sent a request to all three credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. XXXX and Equifax both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why XXXX and Equifax seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to Equifax and XXXX just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.
Complaint sub-issue: Account status incorrect

I used sezzle to make a few purchases and paid it off never used it again. I go to get my student loans and it shows delinquent for over 40 days and oweing money I owe them no money and they wmail me back and say there system had a glitch and still havent fixed it and closed this account. I cant get my loan.
Complaint sub-issue: Fee problem

PNC has done it again! On XX/XX/XXXX. I was charged an overdraft fee that put my account in the negative! the day before I had a positive balance and with their overnight processing, somehow something I did days prior caused the account to overdraw in their calculations and not only that the same day XXXX had a {$500.00} deposit to cover all funds they claim they paid for me that happened days prior! The actual overdraft fee is what overdrew the account! The same thing happened again on XX/XX/XXXX where the day prior my account was in the positive, they did their overnight accounting and again something I did days prior they claimed overdrew the account yet that same day I had a {$1100.00} deposit and the overdraft fee they gave me overdrew the account! It makes ZERO sense and then when I call in the agent can see it is wrong and makes no sense and does nothing to refund me the fees. I have screen shots to even show the ledger that they are WRONG!
Complaint sub-issue: Attempted to collect wrong amount

I have made numerous attempts at reaching Money Lion, so many Ive lost count. Ive also attached a copy of my phone records and highlighted each attempt made, with no resolution. Under-stably coronavirus has delayed a lot, and with that comes long hold times. However Money Lions hold times are unbearable. To that end, Ive attempted to chat in and receive assistance with my account to which they conveniently turned the chat option off and advised customers to call in. My issue is that Ive tried to update my payment method for my {$21.00} payments to be withdrawn from and have had no success. Their app has been formatted to make you call in for assistance if you havent made a payment within at least a couple days of your scheduled payment date. I finally get in touch with someone, and get my payment updated and my payments withdrawn. Money Lion in turn reported me 30 days late on a payment, which is completely  false! If they have representatives working to report to the credit bureaus late payments then they should have no problem hiring more associates to pick up their phones. The representative I spoke with sent me a template that offered no solution and I requested a supervisor. The rep advises the supervisor will reach out within two days. Four days go by and I reach out yet AGAIN via chat, to have a paper trial of this entire fiasco. The rep then tells me another supervisor will follow up which Im stuck waiting again! A supervisor by the name of XXXX reaches out, and repeats exactly what the first rep told me. No initiative put in to address my concerns, didnt look into anything, just a simple copy and paste of exactly what the first associate stated. The disturbing thing is how they have my old account listed on the payment history, but they magically got the correct debit card number on file to draft my membership fee from in XXXX. This business has the most deceptive practices known to man. An investigation needs to be launched into how they operate. They reported me 30 days late for the amount of {$80.00} however I only pay {$21.00} every two weeks. Therefore the amount technically speaking would be for {$40.00}. Customer service is just there, they serve no real purpose. Supervisors dont supervise anything, they just reiterate what a precious representative below them advised. Ive requested an executive member to reach out to me in three separate emails and the supervisor XXXX has made every attempt NOT to get me connected. So XXXX XXXX cant assist me with my issue, but also cant connect me with an executive. It is my sincere hope to have my concerned addressed with the proper attention.