Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have private student loans with discover. There are a number of loans and I have been struggling to pay and get a lower payment. They charged off several of them on XX/XX/2019. They claimed that they called me but I never received the call and they did not leave message. They called on XX/XX/2019 and I spoke to them. I asked about reversing the charged off loans and was advised that they have a great reversal department. When I called that department after bringing the remaining loans current they advised that they would not reverse but would settle for 70 % of the amount owed but that I would have to make a down payment of over {$7000.00}, and that the loans would have to be paid off in 5 years instead of 10. I advised that that was quite obviously impossible to which they responded there were no other options. I am trying to pay the loans and work with them but they make it such that even with their so-called options it is still impossible to pay. So essentially the only option is to have mine and my father 's credit forever ruined. They are worse than loan sharks.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day and can not verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Information belongs to someone else

I was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2021, I sent a total payment of {$830.00} in full settlement of the amount reported to the credit bureaus. I noticed few weeks later that the collection agency reported receipt of {$750.00} contrary to the money order sent. I sent evidence of the payment to XXXX and Equifax credit reporting bureaus however, their conclusion did not change the negative report on my credit report. 

The collection agency reported to XXXX and Equifax that I still owe XXXX XXXX XXXX ( Original owner of the account ) {$87.00}. This is an abuse of customer right to fair report as full payment was made as full settlement. An amount of {$87.00} as still owed was reported by the collection agency to the credit bureaus. I have disputed this claim multiple times with XXXX and Equifax and nothing has changed despite compelling evidence submitted to the credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

I received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with Equifax, XXXX and XXXX XXXX. Equifax and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.
Complaint sub-issue: Attempted to collect wrong amount

I accepted service from XXXX XXXX XXXX. The company did not inform me that internet was required. They also told me that the agreement was at will without penalty. They never addressed my needs as a customer. My bill is only {$230.00}. They placed false information regarding my bill with a collection agency who has placed information on my credit report without contacting me or giving me an opportunity to dispute the validity of the debt. The debt is not valid. The actions are unlawful and I am requesting that the actions of this collection agency be reported to the Federal Trade Commission.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is not allowing disputes to be filed on-line. They continue to state, over 30 days now, that they are having " technical difficulties ''. These actions are causing consumers to have incorrect information on their credit reports causing lower credit scores, and thus potentially higher interest rates.
Complaint sub-issue: Card opened as result of identity theft or fraud

In XXXX I received a XX/XX/XXXX notification that my credit score dropped over 100 pts. 
I discovered that a credit card with XX/XX/XXXXCitibank was opened fraudulently. I called the company in XXXX after placing disputes through XX/XX/XXXX. 
Citibank told me they sent my account to fraud. The account was closed a couple months later, after my score dropped even lower. 
Today XX/XX/2020, I called citibank again because my credit score is still in the low XXXX, when it was previously high XXXX. The agent today told me that my account was never sent to fraud, and that it was only closed. I asked for him to send my account to fraud. 
I calledXX/XX/XXXXand they advised me to send the fraud report to FTC so that I can receive a letter to send to them to further investigate the fraud.
Complaint sub-issue: Personal information incorrect

The agency lists multiple addresses on my credit report that is misleading and NOT accurate. I only resided at one address, which is on XXXX XXXX. The current reporting is misleading, not accurate and is in violation of several FCRA statutes.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, ENHANCED RECOVERY COMPAN add a collection on my credit report per XXXX and XXXX.
Complaint sub-issue: Reporting company used your report improperly

I have repeatedly asked all parties to permanently remove all incorrect information on my credit reports from all three bureaus. Yet, they have complied. I would also like to be compensated for all of my information that was sold to other companies for profit.
Complaint sub-issue: Debt was result of identity theft

Previously I had filed a CFPB compliant on this debt through from XXXX XXXX # XXXX that was originally a fraud more than 10 years ago that was sold to XXXX XXXX XXXX when I filed the compliant with the CFPB. XXXX XXXX XXXX and XXXX XXXX sent a letter apologizing for trying to collect on a fraud and making promises that the debt would no longer arise under my name. Now here they sold to another company to avoid legal ramifications for harrassment on a fraud over 10 years ago and dismissed. 

Now again they sold the debt to XXXX XXXX XXXX XXXX, act # XXXX and USI Solutions, Inc act # XXXX as I received a letter harrasing me for a fraudelent debt over 10 years ago that has been dismissed multitple times. Please punish these forms and banks that sell the debts to collection agencies to avoid penalty and legal ramifications. Please file a class action suit against these forms for harrassment on debts previously dismissed and resolved over 10 years agoe
Complaint sub-issue: Debt is not yours

I have not had XXXX XXXX for over 6 years and i never owed anything when i closed my account. I paid it in full. I now have a collection on my account from a collection company for this account. I have tried to have it removed by addressing it with the credit bureaus but have had no success. Please help.
Complaint sub-issue: Reporting company used your report improperly

Equifax has suffered a huge data breach. They will not confirm or deny my credit data was stolen. I am only offered an option to check after 7 days. Also they are trying to charge me money to freeze my credit report. Seems outrageous after they allowed their systems to be hacked and now want to charge me to protect my credit rating ...
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

2. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Complaint sub-issue: Trouble closing card

I have a prepaid debit card called Mango with a total of about {$6300.00}. All account information has been deleted so I can't give exact figures. In early XXXX I requested the account be closed and a check be sent and was told it would take a few weeks.As of XXXX I still don't have a check.They say things like we can't write checks right now, the check is on it's way or wait a few more weeks.
Complaint sub-issue: Deposits and withdrawals

While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days.

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 71 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 


Thank you.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a notice that there was activity causing my credit score to decrease. When I check my report I saw that L J Ross and Associates had reported a collection of {$180.00} on my credit report. I was not aware of this matter by this company and had never heard of them until the entry was placed on my credit file. I am really puzzled because, my utility company is the same, and my utilities are still on and I have " not '' received any notice from them indicating that I have or had an overdue or delinquent account. 

I have disputed this matter with the credit reporting agencies and this company that I had never heard of or received a collection notice from " verified '' the debt. I have yet to see any verifying documents. I am preparing to sue this company and wanted to make you aware of it.
Complaint sub-issue: Debt is not mine

COLLECTOR KEPT CALLING FAMILY MEMBER REGARDING XXXX AND XXXX ON MY CELL AND WORK NUMBERS. so.o.l. expired in illinois
Complaint sub-issue: Personal information incorrect

My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license, SSN card and statements for your reference. 
For the record : 1. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate!

Please delete these disputed items. Ten ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Investigation took more than 30 days

I was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed XXXX XXXX XXXX. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid off my Citibank XXXX credit card on XX/XX/2020. I confirmed both online and with an agent that the balance was {$0.00}. I am currently in the process of applying for a home loan and we purposely waited until XX/XX/XXXX to ensure the {$0.00} balance was reflected. To my dismay, it was not. I called the customer service line and she confirmed my payment and escalated the report up to the bureau as of XX/XX/XXXX. I then called the customer service line on XX/XX/XXXX and it still was not updated. I put a disputed through both XXXX  and XXXX  and the dispute came back as " correct ''. I called on XX/XX/XXXX and the gentlemen passed me over to the escalations department. She then stated it would taken yet another 30 days to update. I understand XXXX sold to Citibank in XXXX ( or at least the account was turned over ) but their credit bureau reporting process is inaccurate and subsequently causing consumer harm. I imagine this is a much bigger problem for others. This lack of accuracy is a significant stress as I did my due diligence and they have failed me for over 60 days. I want my report updated ASAP. I have proof of payment and they do as well, yet my credit is still showing a balance of {$1.00}, XXXX and some change. This should not be an acceptable practice. I want my account to report not only accurately but timely.
Complaint sub-issue: Received bad information about your loan

I have a Student Loan in place and at the time I left XXXX XXXX University, I received a notification from FedLoan servicng, that I needed to start paying my student loan back. This notification came to my permanent home address at XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX, which FedLOan serving had on file approximately 90-120 days after leaving school. 

This was the first notification I received from FedLoan that my account was now due and I needed to set up payment. I immediately responded and made payment arrangements. 
I noticed that they had reported to the Credit Agencies that I was 90 days late. When I called FedLoan Servicing to inquire about the 90 days late, and I had just received my payment notification by mail, they told me that the initial notice of payment went to my XXXX XXXX  University student email, even though they had my permanent mailing address. I of course no longer had access to my student email as I was out of school and so did not receive a notice to begin paying loan. 
I told them for something this important, the first payment due notice should have been mailed to my home address, just as the 90 day notice was. Fedloan acknowledged that they did not send me a bill to my home address. I asked that becasue I never received a bill, I should not have been reported to the credit bureau as delinquent and asked that they remove or correct this with the credit agencies. They told me they do n't do that and I should have known it was due. 
I sent a letter with the same request and also contacted and challenged all 3 credit agencies that I never received an initial bill until 90 days past due. They sent letters to Fedloan but I am sure Fedloan responded that they emailed me. Therefore the 90 day delinquent is on my credit reports and damaging my credit and costing me money in higher interest rates. 
Summary : Since I did not receive an initial bill in the mail, which Fedloan had and chose not to use, I need the 90 day delinquency on all 3 loans taken off my 3 credit reports. It shows as three loans as disbursement was by semester, when it is actually one student loan. I have in fact, already paid about {$7000.00} back already and will pay the loan off. It is not reasonable or right to consider the loan 90 days old when initial repayment due was not sent to me.
Complaint sub-issue: Information belongs to someone else

I have fraudulent inquiries on my account that do not belong to me.
Complaint sub-issue: Can't close your account

I have been trying to close my Citibank Priority Checking account since XXXX. There is XXXX cents in the account currently. I have called repeatedly asking Citibank to close the account and do what they will with the XXXX cents. I was told on XX/XX/XXXX that my account would be closed within 30 days. When I checked my account the 2nd week in XXXX I found that my account was still not closed. Upon calling Citibank back on XX/XX/XXXX, I was first hung up on. The second call I was transferred to 4 different people each one telling me that " this isn't my department. '' I was then informed that my account was blocked and that the only people who could unblock and then close my account are " in a back office '' and that " customers aren't allowed to speak to them. '' I was then told that I was given the wrong information and that closing my account could take at LEAST 60 days, but because this back office team does not speak with customers the Citibank representatives would not give me any sort of date. I just want my account closed and Citibank won't do it.
Complaint sub-issue: Debt resulted from identity theft

XXXX XXXX was the original owner of this collection which showed up on my credit report 2 months ago as being opened in 2011. This is not my account. I filed a police report and provided XXXX and XXXX XXXX a copy. XXXX XXXX removed it from my XXXX account a week ago, sold the collection to Enhance Recovery and as of 2 days ago, started reporting under XXXX. I am assuming as soon as they remove it from XXXX, they will report it to XXXX. They are playing games knowing this was an identity theft and a police report has been provided.
Complaint sub-issue: Trouble closing card

Card ending in XXXX I never requested or activated reported it lost a year ago my SSI benefits were pending on this card for XX/XX/19 I was sent new card week ago XXXX asked to have my benefits direct deposited on that card I was denied just got it two days they would not close that lost or send my benefits to my new card want me to wait get new card after XX/XX/19 phone be off no food no personal items the direct express refused to do a card transfer to my new card keep lying on phone to me