Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make XXXX modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.
Complaint sub-issue: Can't close your account

I contacted Lendup  Card Services to close my account and was told I was not allowed to close my account.
Complaint sub-issue: Investigation took more than 30 days

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 3 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Equifax concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND EQUIFAX NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION ACCORDING TO FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). Consequently, Equifax responded to my letter on by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX  dollars because Equifax DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX. Also this item is OUTDATED, because it is ( 18 ) years old and the information keep reappearing and or never goes away.
Complaint sub-issue: Need information about your loan balance or loan terms

I am just about at my wits end with XXXX application process. I have hit probably every stone wall barrier to get payment count reviewed. I have yet to obtain a loan transfer to start review of my payments. 

I have direct loans, consolidated in XXXX, paying since XXXX. Currently serviced by XXXX after I was transferred from XXXX to XXXX in XX/XX/XXXX. 

I applied for XXXX XX/XX/XXXX and my application was received via XXXX XXXX My employment ( over XXXX years ) was certified and approved for loans to be transferred back to XXXX XX/XX/XXXX. I received the one and only letter correspondence on XX/XX/XXXX stating I would be moved to XXXX for payment count review for qualifying loan payments. I have had no further progress. 

I was not moved from XXXX to XXXX. I did not receive any further formal communication. I was verbally told via XXXX supervisors that I would be moving to Mohela after XX/XX/XXXX and even told " you likely will be in the first several batches with a XXXX application ''. I was also told I would receive a status letter stating I would be leaving XXXX and moving to Mohela. TO DATE THIS HAS NOT OCCURED. 
I was concerned about the lack of communication and wait time so I contacted Mohela directly and was instructed to reapply through Mohela. 

Mohela received my repeat application on XX/XX/XXXX. 
I was told I would have a XXXX wait to have loans received by Mohela for payment count review. 

Still today XXXX has no notice to move my loans to Mohela for payment count review. 

As of now, I applied 8 months ago without any further review of my payment count status for forgiveness. 

I have been in contact with XXXX Ombudsman, XXXX supervisors, Mohela supervisions and have made numerous formal complaints to the studentaid.gov website. All complaints have been closed with essentially " check studentaid.gov for waittimes and information ''. My last complaint has been unreviewed for 6 weeks. I have also called the Department of Education and XXXX routed back to Mohela. 

Mohela informs me that they " have made the request to transfer loans several weeks ago '' but that there is a communication disconnect with the Department of XXXX? XXXX clearly is not receiving these requests to transfer my loans despite it being over 6 months since approval. 

I am beyond frustrated. Have spent endless hours on the phone and shed too many tears without any progress. 

I am just told to " wait '' yet all the waiting has lead to more waiting and no answered as to why my loans are just being in purgatory without transferring.

I am now told that likely will be 6+ months before I am seeing any sort of possible forgiveness due to wait times. ( 30-60 days to transfer loans + 90 days Mohela to review payment status + DOE to apply waiver and review account + 30-90 days for forgiveness, plus I believe I am in for a refund. ) I just need SOMETHING to happen. Applicants who are applying in XXXX and XXXX are obtained forgiveness letters already and I haven't even been reviewed with a XXXX application. 

HELP! 

Mohela XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 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/XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not received from closed account

On XX/XX/2020 I deposited XXXX dollars into my Citi bank account via the atm deposit. XXXX dollars was Immediately made avaible and the other XXXX dollars was Held pending an investigation. One week later I went into the branch that I made the transaction and they told me that the deposit limit was XXXX dollars and there would be a fraud investigation because I deposited over XXXX dollars. On XX/XX/XXXX I met with the store manager and he told me that they would have to close my current account and reopen a new account because of the fraud claim. They then told me the fraud claim will take 10 days to be processed and once processed the funds will be deposited into the new account that I created. On the 10th day of the fraud claim investigation I contacted the bank they then told me the funds had been deposited into an old delinquent account that my ex husband had that had a balance of negative XXXX dollars. They told me I will have to take legal action to recover the funds.
Complaint sub-issue: Trouble with how payments are being handled

All of 2020, I was attempting to work with Sallie Mae regarding a payment plan to help my son and me during the pandemic. Sallie Mae 's systems messed up my payments three times. First, it had the wrong zip code as my credit card. Then, it was kicking my credit card out, and wasn't taking my payments. Finally, I just learned that one loan was setup for auto-debit but not the other one. I spoke to Sallie Mae on the phone to set up auto-debit. Had I not looked it wouldn't have been set up for the other account. This would have resulted in more negative marks on my credit just as last year!
Complaint sub-issue: Account information incorrect

I have a car loan with my husband of 50 years we have a income of {XXXX not including our rental income from our renter. Equifax deceased my credit score by XXXX points just because my HUSBAND of 50 years filed BK in XXXX  ..again our income is XXXX per year or more.they also have my birth date incorrect. 
They state that my credit score decease because my credit utilization rate is 160 % of my available credit I no not have that much credit. 

Thank you
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account 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 account below : XXXX XXXX XXXXXXXX Balance : {$1000.00}
Complaint sub-issue: Account status

EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Complaint sub-issue: Information belongs to someone else

Do your follow up on resolved issues. Like me, you can file a complaint with CFPB, have the company comply and remove an item off your credit report as a result, and then one year later, file an unrelated address dispute with Equifax- only have the item added back to your credit report as " unrelated item '' when attempting to correct a home address.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Debt was result of identity theft

I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. 
I disputed this matter to this company onXX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX XXXX Amount : {$750.00} -- - opened :XX/XX/XXXX ;
Complaint sub-issue: Problem getting your free annual credit report

Equifax apparently does not feel it's necessary to comply with current regulations regarding providing free credit reports to citizens. 

After filling out a request for my free credit report at annualcreditreport.com and requesting my Equifax credit report I was redirected to an Equifax page that said to please call them without providing a phone number ( screenshot attached ). I waited a month and tried again to the same effect. After locating their phone number I called Equifax about this : they informed me that I could only order my free credit report through them directly, and that I could not access my free credit report through any other website ( including annualcreditreport.com ) This is in blatant disregard of the federal mandate. 

Per the FTC website : https : //www.consumer.ftc.gov/articles/free-credit-reports " '' The three national credit bureaus have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place. Do not contact the three national credit bureaus individually. These are the only ways to order your free credit reports : visit XXXX call XXXX complete the Annual Credit Report Request Form and mail it to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX " ''
Complaint sub-issue: Frequent or repeated calls

They constantly call my house and cell phone, they have also contacted extended family members to shame me and share information about my finances.
Complaint sub-issue: Billing dispute for services

Due to the breach with Equifax getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX Equifax, XXXX and XXXX XXXX I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of Equifax 's XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.
Complaint sub-issue: Didn't receive terms that were advertised

I signed up to open a new Checking and Savings account with Citibank in XX/XX/XXXX, with the following terms : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. Get {$400.00} deposited to your account! There are additional terms in the fine print that says I have to wait an additional 90 days from when I meet the criteria above to receive the {$400.00} payment. The total {$15000.00} deposit was made on XX/XX/2018, which means that the 60 + 90 Day deadline would have been XX/XX/2018. I confirmed with Citi multiple times via chat and phone calls that I had met the eligibility requirements, and all I had to do was wait for XX/XX/XXXX for the credit to post. After XX/XX/XXXX, I called in as it had not posted, and the rep opened a promotions dispute on my account, and told me that I would have an answer within 3 business days. ( Citibank Service Request # XXXX ). A week has passed, and I have yet to hear from Citi or receive the funds.
Complaint sub-issue: Application denied

I need to file a complaint against Citi card. I applied for a credit card with Sears MasterCard which is part of Citi card I was denied. I have highly excellent credit. The company denied me. I either need to be approved and for the card to be honored in the promotion or for the inquiry to be removed from my credit report. This company has been sending me multiple pre-approval letter. I understand that pre-approval means nothing much however I have highly excellent credit a high score in zero missed payments. There was no reason to deny me and cause a hard inquiry on my credit for no reason when I have very excellent credit
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute to XXXX, Equifax and XXXX  on XXXX.It 's been over 45 days and I have yet to hear back from then. XXXX, XXXX  and Equifax are all in violation due to not responding back in time. I demand these accounts to be verified or removed immediately or I will file for litigation due to the stressed you caused me.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX to verify this information with Discover Card services. 

I am also asking XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.
Complaint sub-issue: Received bad information about my loan

Hi there, I 'm a XXXX employee enrolled in the XXXX ( XXXX ) through FedLoan Servicing ; the plan in which after XXXX payments the remainder of the loan will be forgiven. Once again, FedLoan Servicing has incorrectly placed my loans into the wrong plan and provided contradictory information. 

I keep a spreadsheet with the date and name of the person I 'm speaking to, along with their guidance - for the past 3 years. Nearly each time, the instructions contradicted the prior call instructions. The customer representative herself/himself is usually professional and courteous. I follow their instructions, and that 's where things fall apart. 

In the latest incident, on XX/XX/XXXX, I was advised that the newly rolled out REPAYE program would offer the lowest monthly payment while maintaining eligibility for the PSLF. I asked her this question twice, because it 's very important that I stay on the program in order to reach the XXXX payment requirement. She confirmed the change would not affect the PSLF ( other than losing XXXX months of payment credit while in forbearance during the change ). When I asked if I should choose the REPAYE option, the rep replied no and advised I check the box entitled " I want the income-driven repayment plan with the lowest monthly payment '' which would result in the REPAYE option anyways, since based on her calculations, that would be the lowest monthly payment. And so I requested my loans be moved from the XXXX with a payment of $ XXXX. 

I just received noticed that my loans were moved to the XXXX XXXX XXXX which is XXXX ) not eligible for the XXXX, meaning none of my payments would count towards the program and XXXX ) my monthly payment would now be {$1000.00}. Needless to say, while I should n't be surprised since this is what I 've been dealing with since enrollment into the program ( which took over XXXX months to process ) over the last XXXX years, it alarms me that this clearly unqualified loan servicer continues to manage XXXX of the country 's largest student loan program. Now I sit and wait until Monday, because they 're not open on weekends, and worry that it will take another XXXX months for this to be corrected while I pay an amount nearly XXXX % higher than my previous payment and XXXX another XXXX months of credit towards the XXXX credit required in the PSLF. The worst part is, even after recapping the original request and discrepancy to the person on the other end of the phone on Monday, I will have no idea if what they tell me this time will be the right answer because each time I call it 's a different answer. I have several other examples, should that help. 

Strongly request FedLoan Servicing be considered for a review for negligence, clearly no fiduciary duty, and at this point, predatory practices given the compounding interest and fees they 've received driven by these activities. 

I thank you for all of your hard work and efforts towards protecting consumers, it has not gone unnoticed.
Complaint sub-issue: Didn't receive notice of right to dispute

Upon looking at an alert on my XXXX  and XXXX  report the company by the name of XXXX XXXX put a collection on my report from XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of XXXX it was recently removed from a collection agency before because I had no knowledge of the account, so I called inquiring about it spoke to agent # XXXX XXXX and she said a letter was sent out in XX/XX/XXXX and upon looking at your file this is our first time speaking with you and I said well if thats the case how do I know a letter was actually sent out then and she she stated we are a third party collecting a debt for XXXX XXXX XXXX XXXX and I asked for validation of this debt since they put this in my credit report she said she had to contact XXXX XXXX XXXX XXXX, I immediately knew this was a shady practice and she pretty much pressured me to pay for something I had no knowledge of and said upon paying they will send a email to send to the bureau, so with that being said Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without it please remove it and if it continues to happen I will pursue suit because the company has damaged my excellent credit that i have spent years to get it wear it needs to be surely XXXX I would not let damage my credit or ignore if I have thousands of dollars credit that I pay 100 % on time