Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/2019 I faxed a form to fedloan servicing that they needed to fill out and mail back to me as soon as they received it. I confirmed they received it on XX/XX/XXXX. I have to have this original stamped form from fedloan servicing in my hands so I can mail that form and my employer verification form to Florida board of education by XX/XX/XXXX. If the Florida board of education does not receive these forms by XX/XX/XXXX I get kicked out of this program that is paying $ XXXX/year for 3 more years to my student loan ( {$12000.00} over 3 years ). As of XX/XX/XXXX I had not received the form from fedloan. I call them on XX/XX/XXXX and was informed they received my form on XX/XX/XXXX but someone misfiled it as a mortgage verification. The person I spoke to said the fastest turnaround time she can do is 3 days. I should have had the form yesterday. As of now I have had to call off work and make plans to fly to XXXX from XXXX tomorrow so I cam drive to XXXX PA and go to the fedloan servicing office and pick up the form in person and then drive back to XXXX and fly back to XXXX. Then on XX/XX/XXXX I will miss another day of work so I can drive to XXXX ( 3 hour drive each way ) to deliver the paperwork to the Florida department of education since they have to have paperwork in hand by XX/XX/XXXX. I am extremely unhappy that I am spending/losing money because the fedloan servicing   personnel misfiled something. {$12000.00} is a lot of money and I am the one that is suffering due to their incompetence.
Complaint sub-issue: No notice of investigation status/result

XX/XX/2016 I sent an investigation request regarding XXXX tax liens that were filed in error reporting on Equifax XXXX credit report for me, and Equifax alone. I submitted XXXX letters from the XXXX Attorney General XXXX of XXXX that state that the tax lien was in fact, filed in error by their office, it was null and void, and request for Equifax to remove it. Equifax ignore the letters and sent back " XXXX '' for both. I called Equifax, spoke with a supervisor who attempted to an investigation while on the phone but said he felt the letterhead was fake. He never called the office to verify or went online to the Ohio XXXX docket to verify. I have supporting documents, called the XXXX office who supports me, submitted a dispute with XXXX because the XXXX XXXX said XXXX gave Equifax the false information. Equifax still wo n't budge. This hurts me tremendously. I am a XXXX XXXX XXXX of XXXX firms and these blemishes are thwarting my current expansion efforts. I have included the XXXX letter stating it was null and void, the XXXX XXXX Docket showing that they are reporting the wrong amount, and the follow up letter for the Ohio IRS stating the same and the Equifax response to my request that include the wrong address for the XXXX, further proof that no investigation was conducted. I never received another response from Equifax from my phone call dispute with the supervisor.
Complaint sub-issue: Received bad information about your loan

I am the co-signer of a Sallie Mae variable-rate loan. The loan rate is based on the monthly Libor rate. 

The Libor rate has gone down. Sallie Mae has not lowered my rate which is currently 4.25 %. On Sallie Mae 's website they are offering the same type of loan, with autopay enrollment ( which I am enrolled in ) for 3.98 %. 

I called Sallie Mae and was told the loan rate is based on when it was taken out. This does not seem correct since the loan rate is based on the monthly Libor rate which can go up or down monthly. 

I expected loan interest rate fluctuation when I signed for this loan. I expected it to go up and down- not just up. 

Sallie Mae is guilty of False Advertising to Students- casusing additional student debt.
Complaint sub-issue: Account status incorrect

Again this another complaint against the student loan company American Education Services which is formerly the name of XXXX XXXX. I have filed complaints before in regards to their third-party collection practices. Allow me to refresh your memory : case # XXXX which involved XXXX XXXX and XXXX  and resulted with this company ceasing all collection activities against me ; case # XXXX which involved the law firm, XXXX XXXX XXXX XXXX and resulted in a Notice of Discontinuous that was filed in NY Supreme Court ; case # XXXX which involved the law firm, XXXX XXXX XXXX in which they claimed that the file was closed and left their office in XX/XX/XXXX.

However, I happened to check my credit score and decided to get my credit report. I found all this derogatory information on my credit report by American Education Services or AES/XXXX. On my credit report from XXXX in their comment section they claimed, " Transferred to recovery status updated XX/XX/XXXX. '' They also claimed that this account was first reported in XX/XX/XXXX meanwhile my account was opened on XX/XX/XXXX. My first initial payment to this company was on XX/XX/XXXX, My last payment to them was on XX/XX/XXXX. On my credit report from XXXX XXXX they claimed my last payment was on XX/XX/XXXX. Notice the difference of the last payment dates! In their remarks section they stated " Transferred to Recovery < > Unpaid balance charged off. '' Also this derogatory information is scheduled to come off my report in XX/XX/XXXX. However, this is the first of many derogatory complaints from this company XX/XX/XXXX, & XXXX. I will be filing separate complaints for each of them. I currently have disputes opened against them with XXXX XXXX and XXXX, I have to mail a request for a credit report with XXXX   because for some reason they would not allow me to get my credit report online. I do intend to file legal action against every last one of these companies.
Complaint sub-issue: Information belongs to someone else

I contacted both Equifax and XXXX in XX/XX/2018 to explain that Im a victim of identity theft. They continue to report this fraudulent information on my credit file despite my numerous attempts to have this issue resolved. On XX/XX/2018 i received a letter from XXXX stating that these fraudulent accounts are mine. Again, they are not mine they are fraudulent. I have not opened these accounts and i didnt authorize the opening of these accounts. I would like both Equifax and XXXX to provide proof which supports their claim that these accounts are mine.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a certified letter on XX/XX/21 to ERC collection agency regarding an alleged debt I owe in the amount of {$320.00} from XXXX. The company has failed to validate the debt. In fact, there are two other collection agencies with this same debt that are trying to collect from me as well. They continue to send me letters, make harassing calls, and report to all three major bureaus. I am requesting your assistance in this matter.
Complaint sub-issue: Didn't receive terms that were advertised

I became US Bank 's new customer more than three months ago, I opened checking and savings accounts because I learnt good promotion from the store manager when I opened both accounts : if I deposited XXXX dollars within 60 days and made two payments more than 25 dollars through the billpay function, I will have XXXX dollar back within 60 days and then I checked US bank website, the promotion is indeed there. However, now I have contacted US Bank branch as well as the customer services center, neither of them acknowledged I am qualified for the bonus on my checkings account because I only made one payment through the Billpay function, then I checked my payments and found I did make two payments, both of them are more than 25 dollars and within 60 days through the billpay function but one is online and another one is through my phone. Both of them are equipped with the same function under the billpay, only the one made online qualified'Is it because US Bank subsidize another company for its mobile app '?? If so, the responsibility should not be taken by its customers.
In addition, the branch manager XXXX did not inform me the online banking and mobile app are two separate payment methods.
Complaint sub-issue: No notice of investigation status/result

There are XXXX accounts that I disputed with Equifax XXXX and XXXX Credit reporting agencies.. The first was a tax lien that is incorrect. I submitted the paper work that proves that the tax lien was based on an improper XXXX filed by a former employer. The former employer corrected the XXXX and that should have erased the tax debt. Attached is a letter I submitted to the IRS that explains what and why they corrected my file. Also attached is the corrected IRS transcript and the correct XXXX. Equifax XXXX and XXXX stated that they investigated this lien and concluded that it was correct. But they did not provide me with who they contacted or any other information that they gathered or obtained to come to their conclusions. Per the Fair credit Reporting Act they are responsible to provide me with this information. The other XXXX accounts Were hospital collections. I contacted the collection agency and they informed me that the debts were paid. Equifax XXXX and XXXX neither provided me with who they contacted to investigate these accounts or their phone numbers and conversations. It is my belief that they are reporting false information of these XXXX accounts that are affecting me directly. I need someone to help me to resolve this since Equifax XXXX and XXXX has failed to cooperate with me. Thank you.
Complaint sub-issue: Problem with fees or penalties

Had an IRA account at State Farm Bank containing XXXX CD 's. State Farm said they were getting out of the " banking business '' and thus transferred the account to US Bank without letting me choose which bank my account was transferred to. State Farm did not have fees for IRA accounts, but US Bank is now charging me an annual fee of XXXX dollars for my IRA account. I have called XXXX  times and was told it's their policy because my account is under XXXX dollars or I need to open a star checking with so much in it to wave the fee. They also stated that if I transferred the IRA account to another institution, they would charge me over XXXX dollars for transferring the accounts and early withdrawal. First, I believe that this fee is wrongfully applied because I did not choose US bank for my IRA and did not pay a fee at State Farm before they transferred, nor can I afford to open an additional checking account. And second, there is no option for me to met their criteria for waving the fee because I can not add to my IRA ( XXXX and not working ) and it will be a financial hardship to transfer the account. Lastly, this policy from XXXX band puts me under duress to pay the fee and adds considerable stress.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX ,   XXXX  ,  Hunter-Walfield Inc   XXXX   XXXX   XXXX   XXXX   XXXX  Florida  XXXX  placed a debt on my   XXXX   credit file.     I, was notified by  XXXX  of this action by  Hunter-Walfield Inc  on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX   I spoke with Hunter-Walfield and according to them they placed this debt on my file because my name is the same as a debtor from  XXXX  Florida.     They also informed me that they did not have any personal information on the debtor from the creditor. No!   SS #   or    Date o  f Birth  ,  just a name.      Hunter-Walfield Inc  never reached out to me, before taking this action against me.     They are blindly posting debt to my credit file. This type of action needs to stop!
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

In XXXX, XXXX, I registered for a Citibank credit card to pay for the item I purchased at Home Depot. They asked for some basic information and my driver 's license then told me it was all set. 

I went to Home Depot 1 week after my purchase as I didnt receive any letters or the credit card. They told me to stay tuned or ask the bank directly. When I called CitiBank, they were not able to locate my account number/balance according to my SSN. 

We moved out from the old address since XX/XX/XXXX. When I was registering for the credit card, they didnt double check my current address but assumed to use my billing address. I am aware of my responsibility to update my information, but the bank was not able to find my account due to the wrong SSN they had. Home Depot also had my email address, but I didnt get any notifications from Home Depot or CitiBank After collecting all the letters from my old address, I called Citibank again regarding how to pay the balance. They froze my account and put it under debt collection. They corrected all of information after my call and kept adding interests to my account. I asked them whether they could waive the interests since it was not my problem. The staff told me to fax a letter explaining the situation to the dispute department ( the only way to communicate with the department ). It took more than a week to hear back from the department. Meanwhile, the interests were still adding up. They mailed me a letter back ( as attached ) asking me to call the number below.

I called the bank once again the following day. The staff answering my call told me that he was not able to see the detailed information, nor my fax history. After explaining my situation ( the letter I got from the dispute department ), he said he's not able to do anything. I need to fax the dispute department again, asking them what else they need from me. Ask them if they have more questions. Faxing back and forth seems a very inefficient way to deal with the problem, and none of the staff had a definite answer. 

To resolve the problem, Id appreciate help to waive the unreasonable interests. Im happy to pay for the initial amount. Home Depot/Citi Bank should improve their service as : Home Depot had all of my information wrong ( address, SSN, etc. ). I was not deliberately avoiding to pay the balance, but was not able to ( they had my information wrong at first, by the time I picked up the letters, my account was frozen ) Citibank was resolving the problem in an extremely inefficient way and made it hard to communicate ( the case was not assigned to any staff. Staff answering the call was unprofessional. Departments were kicking the ball. Dispute Department sent a letter back asking me to call the debt collection department. When I called, the staff told me to ONLY fax the dispute department again )
Complaint sub-issue: Public record information inaccurate

I am a XXXX XXXX with XXXX a credit or company called checkr does a background report for XXXX. 
XXXX locked my account on XXXX due to a report with this company. 
I was sent emails from XXXX to contact this company. 
I can not call XXXX support because they locked the number on my account stating they can not resolve issue over the phone. 
I emailed Checkr and nothing. 
I currently can not work or drive with XXXX due to this situation. 
The Checkr company does not contact me and I have no way of communication with them but emails. 
I have been out of work for more than 30 days and I can not get unemployment. 
I have been hurt by this money wise and seek compensation.
Complaint sub-issue: Account status incorrect

In the past few months, I have contacted Discover Student Loans repeatedly to resolve late payments that have been attributed to my accounts. When I have reached out to Discover Student Loans, I have been told each time that my accounts were incorrectly marked as delinquent. 

With that information from Discover, and a documented ledger of my payments being on time ( provided by Discover ), I opened a dispute with XXXX. The dispute was kicked back, as was 4 other attempts. 

When reaching out to XXXX as to why this was the case, I was told that Discover said the late payments were valid. This is a direct contradiction to what I had been told by Discover and also contradicted the documentation that Discover had provided which showed payments being made on time, not delinquent.
Complaint sub-issue: Unable to open an account

I had requested citi bank accommodate my XXXX. 
Each time I requested I was hung up on for not articulating whcih product or service I was seeking access to. I was seeking equal access to all goods and services under the ADA. 
Citi refused the interactive good faith process when requested. A supervisor told me the citi bank did not have to state the policy regarding accommodating the XXXX under the ADA. I was not able to be accommodated nor was i able to open any account due to being XXXX. I had sought effective communication under the ADA
Complaint sub-issue: Reporting company used your report improperly

Ive been in contact with DISCOVER on multiple occasions in regards to this matter. 

They have violated my rights under the FCRA, FDCPA, The Privacy Act Of 1974. Discover has disclosed my private information including my phone number, address, name and social security number to credit reporting agencies and other third party vendors.

The Privacy Act Of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.

DISCOVER violated this act they had no permission by me the consumer to disclose any of my private information.

They also violated my rights under the following statutes.

15 USC 1692b Acquisition Of Location Information. - Shall not state a consumer owes any debt.

In which reported on my consumer report that I owe the a debt. In which the debt has already been paid in full.

15 USC 1681b Permissible Purpose Of Consumer Reports ( 2 ) In accordance with the written instructions of the consumer to who it relates.

I never gave DISCOVER any written consent to disclose any information on my consumer report.

15 USC 6802 Obligation With Respect To Disclosures Of Personal Information A financial institution my not directly or through any affiliate disclose to a nonaffiliated third party no public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

DISCOVER did not provide me with any notice about disclosure of my personal information to any non affiliated third party. That includes credit reporting agencies or any other data recording agencies.
Complaint sub-issue: Problem using a debit or ATM card

For multiple days I tried to add my XXXX  XXXX  and XXXX XXXX XXXX  to my Credit Karma Money Acct. It recognized my acct info but would not connect the accounts when they clearly show them as an option to connect or link to credit karma money acct. I would have not signed up an got funds added to credit karma money if I would have known this wouldnt have work. Causing me to be late on paying someone back I had promised to pay back for helping me with my rent due to me not working at the time cause of Covid. An also bills and support for my kids. I am very upset an disappointed. This is false advertisement. Called an spoke with credit karma customer service. The only thing they said was try to add another card. Cause they sorry the accounts dont connect to chime or varo accts. When clearly its showing once you click link accts those two as an option. Spoke with a supervisor she was unable to help me. Couldnt explain why they were on there for an option but were unavailable for use. We did troubleshooting and by uninstalling apps and reinstalling them. Still nothing work. She submitted an escalation or tech support email to see if they could assist me. But no help from them.
Complaint sub-issue: Was not notified of investigation status or results

XXXXXXXX XXXX XXXX XXXX XXXX / 30 days late in XXXX 2020, XXXX 2020 and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Information belongs to someone else

the credit bureaus are reporting a collection account on my credit file from XXXX XXXX. I have no knowledge of this account and it should not be reporting on my credit file. 

I was never sent a DV and when i tried disputing directing with the collection agency in XX/XX/2017 they were unable to provide me with an proof that this account belongs to me this account is not mine and should not be reporting on my credit report
Complaint sub-issue: Account status incorrect

Equifax is refusing to update a XXXX credit card account on my report. They are incorrectly reporting that there is a {$3100.00} charged off balance but this information is not accurate. I sent Equifax a copy of a discharge of debt XXXX document I received from XXXX in 2016 more than three times this year. There should no longer be a past due amount being reported for this account because the debt was discharged. The account should say " {$0.00} '' past due. XXXX and XXXX promptly updated their records once I sent my dispute with the attached proof so I do n't understand why Equifax is coming back with a different response. I have the proof directly from XXXX itself. My dispute is not being processed properly and I need them to be held accountable for their inaction.
Complaint sub-issue: Information belongs to someone else

This is an extension of my previous complaint with Equifax XXXX and XXXX
Complaint sub-issue: Debt was result of identity theft

Someone took out a loan in my name without my authorization and now I have a collection on my report regarding it from a collection company. They refuse to listen to me when I tell them it is the result of Identity theft and not mine.
Complaint sub-issue: Debt is not yours

I recently reviewed my credit report and found a debt in the amount of {$990.00} that is being reported by a collection agency by the name of AR Resources..this is not my debt.
Complaint sub-issue: Information belongs to someone else

THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.