Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

On XX/XX/2022, I reached out to my student loan provider, Great Lakes, to request a student loan refund. The first representative to assist me said I qualified for a refund amount of {$17000.00} and would process the request as soon as possible. She explained that I would have to wait 8-10 weeks before seeing the refund appear in my bank account. 

After 10 weeks, I received no refund so I called again on XX/XX/2022 and requested a second refund. The second representative I spoke to confirmed that I still qualified for a refund amount of {$17000.00}. She told me that they had a new streamlined process and recommended I request my refund AGAIN and hopefully get it sooner that way. They told me it should be a 60-75 day wait, that I should check my FSA account for updates, and it should be deposited to my bank in a few weeks. 

On XX/XX/2022, I called again since I received only some of the promised refund amount through separate checks in the mail rather than through direct deposit as was initially told to me. Frustrated and concerned, I reached out if this was normal and when I should expect to receive the rest of the refund. The third representative I got ahold of told me this is common and he is unable to provide a timeline, but that I should continue to call Great Lakes. 

It is now XX/XX/2022 and Great Lakes and the US Treasury still owes me a refund amount of {$14000.00}. I would greatly appreciate if the CFPB can assist me in holding these agencies accountable so that I can get my refund amount. I understand that a refund does not mean forgiveness, but it would help if I could get this refund since these entities promised a specific amount and never delivered. 

I am especially annoyed with the customer service since I was told different things and it felt like the representatives sole role was to create confusion and not make things convenient for clients like me. Also, they made my loan amount larger on my student loan account making it difficult to tell how much I actually owe. I understand they have to reopen the loan to refund me, but the loan amount does not even reflect the {$17000.00} they promised. 

Attached below are a screenshot of my portal with Great Lakes and also the checks I have received thus far from the US Treasury totaling {$2700.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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: Account status incorrect

Mohela was designated as the servicer of my student loans. My account is paid in full and closed at the present and has been for years. The issue is at in XX/XX/XXXX I requested my loan go into deferment status and unfortunately there was a delay in this being processed and Mohela reported this as a late payment in the following months. Once I became aware of this I immediately made a payment and again requested this to be addressed and yet again they failed to put my account into forbearance as apparently I had multiple loans and there was some confusion. The issue I have is that despite the financial challenges I was facing i found a way to pay this account in full but I should not be held responsible for Mohelas error. Since XXXX I have multiple late payments reporting on my report that are inaccurate and needs to be resolved. This is my last resort before incurring further time, energy, and money in hiring legal counsel to resolve this. Im hoping this can be resolved without having to take this step.
Complaint sub-issue: Information belongs to someone else

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, Omega RMS {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Impersonated an attorney or official

SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA.
Complaint sub-issue: Old information reappears or never goes away

Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).
Complaint sub-issue: Right to dispute notice not received

I was never informed of the debt being collected. This agency did not make any attempt to contact me regarding this issue of owed medical bills. The agency just added it as an alert on my credit report.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Account # XXXX is reporting inaccurate payment history to the following credit bureaus XXXX and Equifax XXXX I have attached copies of my credit report from the two bureaus and highlighted the inaccuracy.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.
Complaint sub-issue: Information belongs to someone else

Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a student doing my very best at life, and someone is trying to destroy my credit which is very important for my future.
Complaint sub-issue: Old information reappears or never goes away

XXXX  stills has an old account with DISCOVER card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

The account in question in discussion is THD/CBNA Account # XXXX the issue at hand is a late being reported in XX/XX/2020, in XX/XX/2020 I was sick with XXXX and was unable to call in to defer the payments since I was so unwell. 
Once I was well enough to make the payment I did make the payment immediately.
Complaint sub-issue: Didn't receive notice of right to dispute

This account does not belong to me, I was never informed I could dispute debt and or given a right to.
Complaint sub-issue: Attempted to collect wrong amount

I had made payment arrangements with XXXX for {$50.00} a month to be withdrawn on a monthly bases for my copay of medical debt to ensure the debt would not go into collections. I have done this for over a year and for some reason they have turned me into collections when I have held up my end of the agreement. In addition, because of my ongoing life long medical condition my current copays go 's to this account to ensure a monthly payment is made to the hospital. Even at the collection of JL Ross the monthly payment is begin received via the hospital. I had over a year ago, made the arrangements for this payment to remain off my credit repost as I am rebuilding my credit. In addition, the hospital never sent anything saying this account would be turned over to collections so I could be able to contact them to have them review there records of agreement.
Complaint sub-issue: Deposits and withdrawals

My deposit was approved then taken back and being held for 15days the deposit was made 3 days ago and now XXXX XXXX AS LONG AS ND XXXX XXXX DECEITFULLY BIAS & PREDJUICE BANK XXXX. have put a hold on my MOBLIE for 15days this is not a check this is unc as lied for I was told by XXXX XXXX they have not even prevented the money order for payment is demand proof this money order was processed and presented for payment and not just being held deceitfully. Send proof to my email showing this instrument was present for payment 4 days ago ...
Complaint sub-issue: Information belongs to someone else

As the consumer, I have told Equifax LLC through a notarized affidavit that there were unauthorized and unverified inquiries reporting on my credit report and in accordance to the FCRA, they legally need to be removed. Equifax LLC has not repsonded to my affidavit that was delivered via fax to XXXX on XXXX, XXXX, 2021, a number provided by Equifax LLC themselves. They are violating 15 USC 1692g as they have not completed those steps and I, the consumer, has not validated any of the Inquiries.In this case, they are also violating 15 USC 1692k that speaks of failure to comply with law and consumer they will be subject to fines each consisting of {$1000.00} each violation. My rights have been violated and the inquiries must be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, and how are you? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies and incomplete information on my credit report from the 3 major credit bureaus from the student loan XXXX. This account cant possibly have been verified because the status update date has not changed, and there are 3 different open dates reported, and 3 different dates of last activity dates reported. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Account information incorrect

For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.
Complaint sub-issue: Problem accessing account

PNC purchased BBVA and converted all accounts as of XX/XX/XXXX. I have three business accounts and one personal account which all had automatic payments set up and transfers between accounts. First, we had no access to our accounts or money from XXXX PM on XX/XX/XXXX until XXXX AM on XX/XX/XXXX. After two more weeks I finally got access to all my business accounts online and via app but Im still not able to get any access on my personal account. I submitted a signed request form with the bank and nothing was done. The second time I went in to check on it they told me I had to have two signatures and they didnt have a form for that. I also have a loan through them that they can not seem to find now either. I am incurring return payment fees for automatic drafts set up through vendors. Was told that old account numbers would be honored until the end of XXXX but they are not. Told me they can not reimburse any fees at the local branch. Now they want appointments only when I go visit the bank. This entire conversion was a complete mess and they need to own up to the problem. I wish I could sue!
Complaint sub-issue: Old information reappears or never goes away

In the spring of XXXX, I hit a snag financially. I was a XXXX employee and had a number of clients not pay on time. My car was repossessed in XX/XX/XXXX. I quickly redeemed the repossession. 

For the last 8 years, I have vastly improved my credit health. 

However, Equifax has yet to delete this comment posted by XXXX XXXX. 

I filed my last complaint in XX/XX/XXXX. The Complaint ID is : XXXX. However, I can not review the results of this complaint as I correctly answered my security questions yet was locked out of the account. 

I have tried everything to get this comment removed as permitted by the FCRA. I tried services provided by XXXX XXXX, I have filed personal complaints. 

Others have deleted this information. Equifax has not. 

I am additionally worried that my information was exposed in the Equifax breach thus why I was unable to properly view the complaint I filed.
Complaint sub-issue: Account information incorrect

I have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.
Complaint sub-issue: Information belongs to someone else

Multiple Accounts and inquiries on my credit report I do not recognize
Complaint sub-issue: Debt is not mine

I have on several occasion disputed this collection debt with Valley Credit Service Inc. I have asked for documents with my signature via a debt validation twice and they have only supplied me with a bill that was {$480.00} and now they want {$690.00}. They have reported this to the credit bureaus and failed each time to submit docs with a valid signature of mine showing that this debt was mine. We are military and they cover my XXXX so I know this was bogus.
Complaint sub-issue: Account status incorrect

I was out on short term XXXX due to breaking my arm on XX/XX/XXXX. I had insurance on my account to pay my payments while I was out of work and I gave XXXX XXXX ALL of my doctors forms to get my payment paid. I dont know why my XX/XX/XXXX was Showing late. This is XXXX XXXX  fault not mine. Please help me get this corrected. I have been to the office on XXXX XXXX many times asking about this. They tell me to file a complaint. I HAVE AND I GET A IT STAYS ON YOUR REPORT!!! Every time.. Thank you ...
Complaint sub-issue: Billing problem

I purchased a XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I made a lump sum payment amount and started paying the loan weekly. Starting in XXXX, I was unable to make principal only payments until the " payment due '' was paid but was told when I make extra payments that my " payment due '' is still due. This is contradicting. Anyway, once I make the payment in full I am allowed then to make " principal only '' payments. However, I don't believe the payments have been applied correctly. I had to call several times to request my payment be re-allocated to the principal which I'm not sure was ever completed but they are still accepting my " payment due '' When I ask for clarification I am either told the same " law '' with no enforcement of my loan detail with payment or I am told something completely different. Even with email communication or calling. 

Now I submitted a payment ... ... ... ... ... ... ... again ... ..and now it went towards my " payment due '' leaving me with a partial payment due on the XXXX. I went to pay it in the total amount plus the difference in hoping to pay the difference to the principal. Well again I no longer have the option. My option is to either apply the total amount to principal or towards the next payment. 

When I try to split the payment to make the " payment due '' then another to apply to the principal it tells me that the payment is less than total amount due in turn not allowing me to complete the total amount due plus an additional principal only payment. 

In addition to this complaint, every time I've asked for a ledger of payments against principal they tell me they can not produce it but have one time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Complaint sub-issue: Indicated you were committing crime by not paying debt

My sister in law was contacted by a person saying they were with XXXX XXXX XXXX and were going to file a lawsuit to collect a debt on behalf of U.S. Bank my wife called them back at the number they provided which was XXXX and said that she was wondering what it was about. they said that i owed over {$1000.00} which i do not. I do owe {$700.00} of which i have a {$76.00} a month payment arrangement with them for. She let me know what they said and i called them back and they were very rude with me telling me that i was lying to them and said that they would get my court papers mailed to me and start the lawsuit process. They got even angrier when i said that i had contacted U.S. Bank directly and said that it was a little convenient that i had a {$75.00} a month payment set up with them and called me a liar again.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

For over 2 months this company, EOS CCA has called me in excess of 200 times looking for someone I don't know! I have repeatedly requested for them to remove my number! 1 week ago I received 30 calls from them in one day all from different numbers but the same woman asking for this person I don't know! 
Today I received another call from a new number but the same woman stating " I know you know who we're looking for '' and when I again stated I do not know that person she said " we will continue to call until I get to speak to her ''! 
This is harassment plain and simple! I have no collection accounts, all my bills are current, why is this happening?