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

Great Lakes Loan Servicing contacted me to notify me that I needed to re-certify my income-driven repayment certification. I completed the application and provided them with the information they requested, including information showing my current pay and my wife 's current pay. I explained that my income had not changed from last year. They ignored this evidence and then denied my request for IDR without explanation. I appealed the denial, again submitting the same information. They put me to the back of the line and, in the meantime, increased my payments to over {$1800.00} a month. When they finally did process my request, they asked me to fill out a form that I filled out when I first submitted my request. I explained this to them, and they moved me to the back of the line again. Because, they claim, I did not complete my IDR application on time, they capitalized my interest, adding to my balance. 

This is a predatory tactic that they have now used on two occasions. The CFPB has to do something about this.
Complaint sub-issue: Don't want a card provided by your employer or the government

My wife, XXXX XXXX, received a debit card from USbank ReliaCard in the mail. It is for unemployment benefits from the State of Ohio. She has never lived in Ohio. She is not unemployed, and has never applied for unemployment benefits. The State of Vermont ( where we are residents ) told us this represents identity theft. Repeated calls to USBank have been fruitless. Its website has not been helpful. Today, as I write this I have been transferred to an unhelpful menu and been on hold for 25 minutes so far.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX  XXXXBalance Owed XXXX {$7200.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested the credit bureau to investigate. I havent received any information on these accounts. They're inaccurate and need removed. I do not have obligation to the accounts and are serious error in reporting and further hinder my ability to obtain credit.
Complaint sub-issue: Having problems with customer service

XXXX XXXX XXXX the original creditor of my student loan from XX/XX/XXXX at XXXX XXXX XXXX in which I have been having issues settling this debt or effectively communicating with anyone that holds this debt. XXXX XXXX XXXX went bankrupt after settling with the attorney generals office in XX/XX/XXXX for XXXX in which my loan was a part of the time period the company was offering kickback to certain universities to steer students to receive this loan. None the less this loan was services by XXXX which probably closed down as well then serviced by Loan Science. Neither companies were satisfied with any solution to rectify the amount even when I was not working and still attending school they still wanted full payment. Loan Science sent me to collection in XXXX with offering very little solutions and with constant communication while I was still attending graduate school. XXXX XXXX was the collection company that held the loan they offered XXXX options to pay off the loan which I could not afford, I brought up additional disputes and that only stopped them from calling but they did not work out any other solution with me. I recently finished XXXX school only two weeks ago and notices coincidentally the calls and letters have started coming again this time from XXXX collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which requesting payment to each company on the same debt. Now I do not know which company to work with and I will be contacting Loan Science again to request the original paper work of the original loan and I will also request the same paper work from the debt collectors. I would like a reasonable solution to rectify this loan or find out if my loan may be able to dismissed due to the settlement if not I want a solution that is affordable to my budget. None of these companies in the past have offered any affordable solutions or even had an interest to look into my personal financial situation to come up with a reasonable solution. I recently cleared up my credit and my other federal student loans are in good standing. I do not want this matter to drastically effect my financial future.
Complaint sub-issue: Can't close your account

I received by mail an unsolicited debit card from Discover bank. It says it is linked to my account. I do not have a Discover Bank account nor applied for one. I attempted to report the fraud, but their hold time is over 2 hours. I have my credit frozen so I am not sure how anybody was able to open an account.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Complaint sub-issue: Public record information inaccurate

IQ Data International is reporting a collection account on my credit report when the account is in dispute. I tried communicating to the apartment complex however they ignored all attempt 's of conversation or resolution and 1 year later reported it to a collection agency. I have never received an itemized statement with the debt they are trying to collect. IN the amount of $ XXXX have submitted supporting documents to the collection agency showing proof of invalid debt being reported. This has been ongoing since XX/XX/XXXX to the most recent contact XX/XX/XXXX. XXXX where certified document 's were sent to the collection agency with zero resolution. The negative reporting to the credit bureaus is negatively affecting my credit. They are reporting a debt to the bureaus without it being a valid debt
Complaint sub-issue: Information belongs to someone else

I am an XXXX XXXX victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the XXXX, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX XXXX2017 2 accounts placed on my credit report in the amount of {$120.00}. I am unaware of any outstanding medical bills that I owe.
Complaint sub-issue: Trouble closing card

N26 has locked my account and its been locked since XX/XX/XXXX I use this card all the time for online purchases and more. These ppl have locked my card and stated it was because of fraudulent activity when there was none and they have yet to explain where this fraudulent action came from because I sure didnt report to them anything. I was using my card just fine. I ask everyday when they will unlock my money and they wont tell me a time frame they wont answer my questions. I cant even pay my rent because of them!
Complaint sub-issue: Charged too much interest

I started a Costco Visa card by Citibank approx XX/XX/XXXX. I have paid my total debits to Citibank every week from the beginning. Citibank started charging interest on an unpaid balance in XXXX or XX/XX/XXXX telling me there were charges before the end of the billing period. All debits are paid weekly so how could there be interest charges?
Complaint sub-issue: Account status incorrect

On XXXX I submitted a complaint to Equifax via the CFPB portal. I would like to cancel this CFPB as filed. Complaint number XXXX. I no longer wish to dispute the item reporting. I have attached a copy of my credit report for reference. Please discontinue investigating this CFPB.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and US Bank XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed bankruptcy case number-XXXX with LexisNexis. I filed a CFPB report stating that the bankruptcy was inaccurately being reported on my LexisNexis report. LexisNexis responded to the complaint stating : ( third paragraph, fourth sentence ) As previously explained, the address originally filed on the full bankruptcy docket ) - XXXX XXXX  XXXX XXXX, XXXX XXXX, IN XXXX obtained from Public Access to Court Electronic Records ( PACER ) is the address reported to LexisNexis with Ms. XXXX full social security number by the nationwide consumer reporting agencies. On my LexisNexis report under section Bankruptcy it states that the bankruptcy was filed XX/XX/XXXX. I moved to XXXX XXXX XXXX XXXX XXXX, IN XXXX on XX/XX/XXXX. There is no apartment number or letter associated with the address. I am attaching the bankruptcy section from my LexisNexis report that has the file date. I am attaching W-2s from wage earnings from the years XXXX and XXXX with my address listed on them as : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my HUD lease from XX/XX/XXXX because I moved to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my lease that clearly shows that I moved to XXXX XXXX  XXXX XXXX XXXX, IN XXXX in XX/XX/XXXX. How is a bankruptcy being reported with the file date as XX/XX/XXXX attached to a address that I wasnt living at when it was supposedly filed?
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Trouble with how payments are being handled

I am submitting a formal complaint against FedLoan Servicing due to their refusal to credit 42 approved payments for the federal loan repayment program known as Public Service Loan Forgiveness. In XX/XX/XXXX, I submitted an ECF form for approval into the program in the last month of employment with my XXXX  XXXX, non-profit entity known as XXXX University or XXXX University XXXX XXXX. ( In XX/XX/XXXX, the college and the hospital split into two different financial entities, but both are considered 403 ( b ) non-profits. ) My XXXX  XXXX  was a 48-month contracted commitment, at which time my salary was about $ XXXX about $ XXXX/month. Like most XXXX, IBR is imperative ; without it, my standard repayment option would be more than my take-home salary. During my 48 months of XXXX  training/employment, I made 42 payments under IBR, as per the requirements of PSLF. As of today, XX/XX/XXXX FedLoan Servicing refuses to credit these payments towards my PSLF requirement, even after informing me that my manual review of my account is complete after two years. 
I have documents as proof that I made these payments under IBR. I have submitted bank statements from XX/XX/XXXX ( I made two payments this month ) through XX/XX/XXXX, my last month of employment/training at XXXX, accounting for all 42 payments and documenting that I was receiving a paystub from XXXX University. All of my IBR applications are on record at Studentloans.gov. I have also included email correspondence that show I was submitting and approved for IBR every year around XXXX. I have documentation from XXXX, my old loan servicer, documenting these payments, the very same information that FedLoan servicing is claiming is unavailable to them.
Complaint sub-issue: Information belongs to someone else

I am writing this without the assistance of any third party company. I writing this complaint from my understanding of the Federal Law.

Please block and/or remove this information resulting from Identity Theft from my credit report, pursuant to section 605B ( 15 U.S.C & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00}
Complaint sub-issue: Debt is not yours

I have an open debt collection showing on my credit reports that is not mines. I did not authorize this account on my behalf or anyone else 's. I wish to dispute this matter immediately due to the inaccuracy of this information.
Complaint sub-issue: Old information reappears or never goes away

I involuntarily game my XXXX XXXX back, XXXX XXXX XXXX XXXX XXXX STILL HAS THIS ON MY CREDIT REPORT. I WAS DENIED SEVERAL MORTGAGES HOUSES BY XXXX XXXX. I HAVE BEEN HOMELESS SEVERAL TIMES IN XXXX, NJ. THE XXXX BRANCH MANAGER XXXX AT XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Notified the headquarters at XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. Its been 0ver 10 years and I went 5 times to speak to the XXXX LOAN officer who even wrote me a letter. 



Why is this debt, I PAID IN FULL STILL ON ALL 3 credit BUREAUS? 

MY ACCOUNT NUMBER : XXXX. My CREDIT STOPPED ME FROM GETTING A HOUSE A ROOF OVER MY SON & I head. Im a single mother.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have had an exceptional credit rating for the past 30+ years of my life. I took a seasonal job with the XXXX XXXX back in XXXX. I ended my job with the XXXX XXXX in XXXX of XXXX. At some time during XXXX I received a letter stating that I owed {$200.00} in taxes to Soc. Sec. I had no idea what they were talking about as I had all of my taxes taken out of the pay check. I called and logged into my IRS account and could not find any " outstanding monies owed '' I also call Soc Sec and they said I didnot owe any money that they were aware of. As we were being told of all of the scams during COVID I just assumed this was an attempt to have me send money ( seeing as I receive no less than 6 spam calls a day I just assumed this was in line with a scam ) Long story short I found out that this was indeed a real thing. I was not aware of the fact that during the last month of my employment with the XXXX XXXX in XX/XX/XXXX the federal government decided not to withhold Soc Sec thinking this would add money back into peoples paychecks. As I no longer worked for the Federal government the money that was not withheld was being collected directly. Seems most people didnot know about this as continuing employees just had the money taken out of their on going paychecks. 
This was a one off situation and as soon as I found out this was legit I paid the bill in full. So now the problem. This ONE time .... ONE OFF ... .. situation for {$200.00} had XXXX drop my 821 credit score ( once again I have had an exceptional credit rating for 30+ years ) down to 650 ..... I am outraged by this and all of my attempts to contact any one a XXXX have been meet with " well the computer does this '' are you kidding me. This is a scam as far as I can tell. How can you drop a persons credit score that low for a ONE OFF situation for {$200.00} after 30 + years of an excellent credit score esp since the genesis of this situation was thought to be a scam. 
I spoke with XXXX ID # XXXX on Wed.XXXX XXXX XXXXXXXX from XXXX and he just said I could contact you. This is outrageous that I can not get thru to anyone to figure out how they came up with the score based upon my outstanding credit rating. This cost time and money. I am copy and pasting this to XXXX XXXX Attorney General for the State of NY as I think that credit reporting agency 's are not doing business any longer in good faith. Why can you not get a resolution on an issue like this. The Consumer Protection Agency should be all over this type of consumer abuse. It's outrageous.
Complaint sub-issue: Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Complaint sub-issue: Information belongs to someone else

To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company XXXX XXXX XXXX keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX sent a bill for over {$2000.00} with zero explanation, it only says miscellaneous charges. {$88.00} was indicated as the final energy charges. I have requested a full complete itemized receipt of charges including : dates, addresses, energy charges, etc. from 2 collections companies and from XXXX & XXXX themselves, no one will provide this information to me. Over the years I have blindly paid whatever charges XXXX & XXXX arbitrarily alleged that I owed as I needed service and they are the sole energy provider in my area. This time I have chosen to dispute as my bill was not behind nor am I no longer required to utilize their service. The VP from XXXX & XXXX called me last year and promised to provide me with the requested information and I have never heard from them again, until today, when I spoke to XXXX at IC Systems, who also refused to provide me with documentation of debt and refused my request for a manager. I will not be paying this erroneous charge to XXXX & XXXX. I will have this gross error removed from my XXXX, if it means suing XXXX & XXXX is my only option.