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

XX/XX/2017 I moved out of the apartment complex XXXX XXXX at XXXX XXXX XXXX  XXXX due to a HORRIBLE continuous roach infestation. I wrote to the leasing company multiple times and even have pictures to this day ( about the infestation ) and did not receive any response in the matter. Shortly before moving hurricane Harvey struck and I unfortunately lost my job. I had to relocate to XXXX and live with a relative. Months after I was told that I owed almost {$10000.00} in breaking the lease even though someone had already moved into the premises. IQ Data kept on harassing and calling me multiple times ; I consulted an attorney who then sent a settlement amount ( which I never agreed to ) of {$1000.00} and it was flatly denied. Last year I decided to call the company and see if this negative remark could be removed as I did not owe that amount and the representative I spoke with yelled at me and used profanities indicating that I was  paying over $ XXXX/ month ( which I wasn't ) in rent and I needed to pay the full balance of over {$11000.00}. Since then every month I notice an increase on the account once I check my credit report.
Complaint sub-issue: Information belongs to someone else

I want you to help me because I found accounts that are not related to me. I do not know these items and I can not understand why they are in my profile. I am victim of identity theft for sure and I ask you to check and investigate the accounts. I filed a report and I want to proceed with procedures. I hope you will help me and delete them all.
Complaint sub-issue: Account information incorrect

CBNA is showing that I have an account with them and that it was closed as a charge-off after failure to pay in XX/XX/XXXX. I do NOT have an account with them. I have written the company XX/XX/XXXX telling them that I dispute the accuracy as the account is not mine. I asked them to provide details as to the name and address of the person who opened the account. As of XX/XX/XXXX, they have not replied.
I am attaching a copy of the specific page in my credit report as well as the letter I sent them.
Complaint sub-issue: Problem getting your free annual credit report

I am unable to get my XXXX and Equifax credit reports via XXXX. The website does not provide a reason for this but instead suggests I contact both bureaus. A postal address is provided for XXXX. No contact information is supplied for Equifax. 

I have tried and failed to speak with someone at both XXXX and Equifax. On several occasions I was waiting to speak to someone for over an hour. 

Note that I can access my XXXX credit report via XXXX. It is not clear to me why it works for XXXX but not the other 2.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I made a electronic payment to Shell/cbna account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX an amount of {$34.00} on XX/XX/XXXX the transaction did go through for what ever reason I don't Know the company never call me they never write me on XX/XX/XXXX I try using my card to buy some things and the card decline when I check the card i realize the credit limit decrease to {$200.00} inset of {$800.00}. I called XXXX costumer care representative pick my call I told him My Credit limit decrease, my card is declined, I lost 56 points on my credit report and i want to know the reason, she said my electronic or on line payment didn't go through she said the reason the number was wrong so i made anther transaction and this time it went through.On XXXX I called a representative and he answer me I told him my credit limit decreased he said he can fix it for me I said i may get hard inquire he said i will be fine.He did it online and the computer denied me which i get hard inquire.I told him to transfer me to his manager his name Mr XXXX. Mr XXXX said he has taken out the late payment fee and that the will work the credit report to fix 56 points and the hard inqure he said i will get a letter but i do not get a letter..On XXXX I made a check up I talk to XXXX who said she is a manager and said they can not do any thing in regards to my situation I told her please I'm your loyal costumer and if you check my payment history you will see that i pay my bills in time.She said give me your phone number i will call you but she never call me.Even before that one of them try agin to increase my credit limit and i get anther hard inquire she said don't worry it won't report to the credit company but when i hang up credit karma give me a signal.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent in a dispute dated XX/XX/2021 I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Equifax still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquiries from my consumer report. I understand that Equifax has assumed the role that they have but them disregarding me and my disputes and not following the rules of congress is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per congress guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Equifax is attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report Equifax also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Equifax did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which congress has drawn out, i have attempted to fix this directly with Equifax and i have been disregard
Complaint sub-issue: Information belongs to someone else

It appears that my complaints # XXXX that I submitted on XX/XX/22 were closed when I checked it. Again, I was going through my records & noticed accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXXXXXX XXXX, BANK XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citi / AAdvantage Platinum Select card offers, " Spend {$2500.00} in three months and get XXXX XXXX XXXX bonus points. '' The problem is, you don't get 3 months because the clock starts the moment they approve the card. 
They will only send the card regular mail. They say that is 7-10 days. So they admit you won't get three months. 
Additionally, if card is lost in transit and they cancel and send new card, another 7-10 days from that point. So now we're at 2 weeks gone by ( at least ). 

Therefore, they are making an offer that they can never honor because no one is going to get 3 months. 

I believe the offer should say, " three months from time card is activated '' ( which is actually what I assumed was the offer ). That way, the consumer does get three months. 
The could even say, " three months from time card is activated or 15 days after approval, which ever comes first. '' That at least satisfies both parties ' needs. 

I have contacted Citi three times on this matter and they refuse to let me speak to a supervisor, they refuse to overnight the card, they refuse to give me card number so I can make online purchases. I was approved on XX/XX/2020 and it is XX/XX/XXXX and still don't have card. I have contacted XXXX XXXX three times and they finally called me today to say they will do nothing.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I find it dissatisfying would like it to be taken care of.
Complaint sub-issue: Account status incorrect

I XXXX XXXX XXXX was given a Hardship deferment in XX/XX/XXXX due to having a small series of XXXX and was considered XXXX XXXX by three doctors. After the information was sent to the XXXX. XXXX  XXXX and also XXXX - both infromed me that I would not have any problems due to health related issues that were not in my control. I was given one complete FULL YEAR of hardship deferment and i was sent notice that my payment would not start back up till XX/XX/XXXX. Now on my credit report it has the following after I have written several notices to XXXX and XXXX. XXXX   XXXX in Washington, DC. 

XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Can't temporarily delay making payments

This complaint is centered around multiple attempts to defer payments on my private student loans. In short, the loan servicer, American Education Services has provided inaccurate information resulting in 1 ) forbearance being denied and 2 ) severe delinquency of the account. 

In XX/XX/XXXX, after confirming my eligibility, I submitted a request to put all my loans in forbearance as I was working toward a professional license and while caring for my XXXX   small children. I did not receive income during this time. My request was approved however I was notified in XX/XX/XXXX that I had a payment due. Confused, I submitted another general forbearance request online. After another notification I was approved but yet I still has a balance due, I called and learned that private student loan forbearance required a separate request- An MRU Forbearance Request. An AES employee emailed me the private forbearance request form on XX/XX/XXXX and I completed them and sent them in via U.S. Postal service per the instructions. I also made a payment on the account in XX/XX/XXXX to demonstrate I was striving for resolution. This payment was very difficult for my family. After several weeks and yet another payment accrued, I received a letter ( dated XX/XX/XXXX ) indicating that my forbearance request was denied. I called AES to find out why the request was denied and learned from an employee that I signed the form XXXX XXXX XXXX and the request was denied because I signed my married name ( which is my legal name ). Interestingly, my payments to AES have come out of my banking account with the name XXXX for the past five years but that discrepancy raised no flags. In any event, I found out that I needed to change the name on my account so I furnished AES with the necessary documentation to do so. I was told by AES that I should submit another MRU Forbearance Request which I submitted on XX/XX/XXXX. On XX/XX/XXXX, AES notified me that my name change was accepted but still not word on the MRU Forbearance request. On XX/XX/XXXX I was notified my MRU Forbearance request was denied because now I owed too much on my loans to be eligible for forbearance. So I call again and learn that if I payed {$370.00} on the account, I would then be eligible for the forbearance. So, again, I made a very difficult to make payment that day, XX/XX/XXXX and submitted a third Forbearance Request. The third request was denied because the AES employee who told me to pay XXXX on XX/XX/XXXX was, " mistaken '' and needed to pay another {$370.00}. I did not have the funds to do so and was told that I should just consolidate my loans with another company. At this point, I no longer have faith that I can resolve this with AES. The reasons for the initial denial and subsequent denials now seem intentionally obstructionist. I have made a small payment on the account for the past few months to show some effort until I am able to get back to work and resume payments.
Complaint sub-issue: Trouble with how payments are being handled

I have 2 major complaints : 1. FedLoan Servicing has been extremely unhelpful and unwilling to communicate with me about deadlines, re-certification processes, and times when they decide to charge me interest capitalization. 2. FedLoan Servicing is suspiciously and illegally handling my payments toward interest and not my principal balance. I started paying on my federal student loans on XX/XX/XXXX. I made every payment on time for the full year I was on the ICP plan/IBP plans. Then I was " informed '' within the websites portal in a hidden message center that I needed to re-certify my ICP/IBR plans. No e-mail, no phone call, nothing! By the time I saw my payment magically go up it was too late, I was now locked into a higher payment plan and got charged with a " interest capitalization '' fee. I also got a capitalized interest fee for missing this window and when I re-certified for another ICP/IBR plan. ( Interest on top of interest, on top of more interest! ) This completely wiped out any progress that I had made and it was now even harder to make payments. From XX/XX/XXXX to XX/XX/XXXX I made consistent, even increasing payments, on-time! Then I get nailed with another interest capitalization fee because I 'forgot ' after being responsible for 2 years to re-certify and never getting reminded by fedloans servicing! I got hit with two interest capitalization fees again and the 2nd fee was 5x higher than the first fee even though I made a large payment inbetween these fees to pay off all of the interest, it 's insanity! Now, I am back to making regular payments and getting no where. I have NEVER missed a payment and that is exactly how my credit history is, no missed payments EVER in over 10 years of credit and yet I am treated like this.
The 2nd complaint, which I briefly mentioned in the previous section, is that Fedloan Servicing is not handling my payments correctly. They are not paying off principal and are forcing me to pay interest as much as they can. For instance, from XX/XX/XXXX to XX/XX/XXXX I made consistent, on-time payments of {$240.00} except for one month where I paid {$230.00}. During that time, I only paid {$320.00} on principle and paid {$2300.00} in interest!!! The weird thing is that once I started paying on principle on XX/XX/XXXX, you would think that I would slowly start paying more on the principle, but no it would randomly fluctuate! I would pay more on principle, then less, then more, then less. That just does n't make sense, something weird and illegal is going on. Please help me, there is no way that I can pay this off anytime soon unless I start making another {$50000.00} a year or hit the lottery. Plus, I am a responsible person who has a good job and is making constant payments on time, and I still ca n't pay it off. There is something seriously wrong with this picture! Get this, after 3 years and 8 months of " paying '' on my student loan of {$40000.00} I have made zero progress on my loan. In fact, it has gone up in cost by a couple hundred dollars!!! > : o
Complaint sub-issue: Didn't receive advertised or promotional terms

- Approved for BBVA ClearPoints card on XX/XX/2021 - Promotion offer was 18 months 0 % APR + {$100.00} credit after spending {$1500.00} - PNC bank merger occurred - In PNC dashboard, interest rate now shows as 17.24 % - Bonus has not been provided - No late/missed payments- PNC is impossible to get a hold of. They took away their chat feature and every time I am on the line for 20 minutes when it tells me " There are no consultants available for your call, good bye ''. I have also messaged on XXXX and was told to call. No locations near me. 

BBVA initial email and current PNC screenshot included as attachments.
Complaint sub-issue: Was not notified of investigation status or results

This account suddenly reported on my credit and I have no idea what it is as XX/XX/2021 has been paid so this can not be truly a XX/XX/2021 bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of SC a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of SC. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.
Complaint sub-issue: Account information incorrect

I am writing to dispute  XXXX   XXXX   XXXX  on credit r eport number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Complaint sub-issue: Can't get flexible payment options

The name of the institution that has my student loan is Loantolearn.com, which I found through XXXX XXXX. 

The situation is that I acquired this loan in XX/XX/XXXX for {$16000.00} and as of XX/XX/XXXX, I still owe over {$12000.00} on it. There 's just no movement on it whatsoever. At the rate I am paying, it will take me an additional 11 years to pay off this debt. 

I was divorced after nine years in XX/XX/XXXX and I do not have that second income to assist in paying my debts. I make a quarter of what my ex-husband made, so I 'm struggling with debt that was in my name but shared in the marriage. I have closed any and all credit accounts so that I am no longer incurring any new debt, and am living paycheck to paycheck. It 's been hard. 

What I would like to do is try to negotiate a lower APR and/or split the balance and just pay that. I can pay it off closer to 3 years as opposed to XXXX, actually 21 years, since I got this loan in XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I just received a letter they are not removing XXXX XXXX XXXX I sent in a complaint to all three ( 3 ) credit bureaus I received a response already from XXXX they removed the XXXX XXXX  I will send proof of that I will also resend the two page notice from XXXX so you can see the obtained the account After the statute of limitations expired this has been going on now for over 3 years!!!!
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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: Credit inquiries on your report that you don't recognize

I have also talk to EQUIFAX about my claims I have against them they also still committed fraud against me and not paid me part of the settlement they gave the claim number they gave wrong days that the force to pay me they said XXXX it was XXXX then in the same letter they said XXXX XXXX months that already had pass when they sent me this letter in XXXX. The have inquiries that's XXXX XXXX and also inquiring that's says inactive on there they are falsely and committed fraud on my credit report this unjustified unconscious this is a fraud against me my credit report they bring my credit report score down they want show it this fraud