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

I have spent over a year attempting to certify employment for PSLF. After submitting the form three times, and having my employer send a letter to XXXX, they continue to claim that my form is not complete and they can not certify my employment. I have contacted XXXX dozens of times in an attempt to resolve the problem, yet have not received appropriate assistance or a solution to my problem. It is unacceptable for a simple 2 page form to consume hours worth of my time because of a servicer 's inability to comply with student loan policies and procedures.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have set up auto-pay twice with XXXX XXXX, only to check my XXXX   account and find out my account is overdue. Both times I was automatically removed from the autopay. Further, I approved my auto pay to an amount 30 % over the payment, and it was reduced automatically by XXXX to the original payment. 

Further, my account was placed on forbearance without my approval. XXXX claimed this was due to a " natural disaster in the XXXX XXXX   county area. '' XXXX continued to earn interest on my loans while my account was in forbearance, this is a deviant practice and I am certain it affected other individuals in the XXXX XXXX County area.
Complaint sub-issue: Investigation took more than 30 days

i submitted a police report and a FTC report to Equifax of identity theft back in XXXX and they haven't removed the account off of my credit report yet. Also they were suppose to update 2 late payments to paid by request of the creditor and they have yet done so the creditor requested for it to be changed back in XXXX and they have yet to update there system.
Complaint sub-issue: Received bad information about my loan

I made a payment on the highest interest/highest amount loan. A few days later, I saw I still had {$40.00} to pay on that loan. I called and asked why, and was told that I did n't choose the option to " pay off loan '', I simply made a payment. I was frustrated that the option to " pay off loan '' was not in a clear and obvious location on the website, and that I was never told about the differences between the two options. When I spoke with a manager, I was also informed that the loan amount reflected on my screen is not an accurate reflection of my loan amount. I was told this gets updated only 1-2 times a month. This makes it almost impossible to have confidence that I can pay off my loan for good. It is also dishonest and irresponsible of Fedloan Servicing to not provide borrowers with accurate, clear, and accessible information on our loans. I was very fortunate to speak with a manager who understood this and explained to me in a clear, honest manner. I would urge Fedloan and the department of education to change dishonest practices implemented to keep borrowers in debt indefinitely for lenders ' benefit and instead create a system that accurately reflects loan amounts.
Complaint sub-issue: Account status incorrect

I last disputed with CFPB and the company stated they sent me a letter, I got that letter which said nothing in regards to this.Equifax REFUSES to report correctly. Every other company has removed these items. I CAN NOT get approved for a home loan because of Equifax! I am in good standing with both XXXX  and XXXX!!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been charged by the same merchant 4 times with at least 2 of those being after I have gotten a new credit card number. The most recent one ( XX/XX/XXXX ) charged my card after the company supposedly sent an email to Visa to block this merchant from charging my card. I have opened disputes with my credit card company for every one of these charges and have yet to hear anything back other than them asking for information that has already been provided multiple times. In fact, I had a call with a case processor scheduled to give them this information and when I mentioned that I had already provided this, she responded with I see that here, we already have it. And this was after I had to fax them the information. I have attached letters informing me that a dispute has been made. This is the only update I have received. 

Dates of charges : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau XXXX XXXX and it has not been corrected.
Complaint sub-issue: Debt is not mine

I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs to me.
Complaint sub-issue: Deposits and withdrawals

Please help me have no where else to turn, I am totally lost. I am a single mother of XXXX, lost my job due to covid-19, for XXXX  I ordered my kids toys from XXXX, XXXX  came and went toys never arrived did not have money to replace toys, told my kids due to covid XXXX was running late with toys, so we waited. When I saw nothing was happening I decide to get my money back from XXXX. This is where citi bank comes to play, step by step I told my XXXX XXXX XXXX, ( FIRST MISTAKE ) THEY ANSWERED AND SAID XXXX, I explained what happen, he said yes they had alot of problems with mail DUE TO COVID19, so they where giving back the money, but you must download this app called QUICK SUPPORT AND DO NOT TOUCH MY CELL HE IDENTIFIED MY PHONE HAS AN XXXX, AND LIKE A GHOST HE WAS ABLE TO MOVE ALL KEYS ON MY CELL, HE STOLE XXXX LEAVING XXXX BALANCE, THIS ACCOUNT IS A SSI ACCT. FOR MY DAUGHTER I WAS JUST THE PAYEE SHE IS XXXX, GOD BLESS ME WITH A FOREVER BABY, HER NAME IS XXXX THE ONLY REASON THERE WAS SO MUCH MONEY IN THAT ACCT. IS BECAUSE UNFORTUNATELY THE XXXX STIMULUS WAS IN ACCOUNT, WHEN THEY STOLE THIS MONEY THEY STOLE ALL WE HAD, NOTHING TO EAT, NO MILK NO EGGS NOTHING, I DID ALL I WAS TOLD TO DO, OPENED NEW ACCT. WITH A XXXX BRANCH OVER CELL, COME TO FIND THERE ARE NO CITI BANK IN THIS NEW STATE I MOVED TO IN PENNSYLVANIA, I SOON I GOT OF PHONE WITH THE THEIVE I CALL BANK IMMEDIATELY SECONDS, WENT TO MY EMAIL AND RESPONDED IMMEDIATELY TO YOUR FRAUD ALERT, I HAVE NOTHING PLEASE HELP ME I FEEL SO LOST NO WHERE TO TURN, I CALLED BANK TO SPEAK TO FRAUD DEPT. AND THEY SAID IT WAS DENY, XXXX DOLLARS IS LIKE A XXXX TO US.CAN YOU PLEASE LOOK IN THIS CASE, THIS IS A DISSABLITY ACCT. I BEG YOU I HAVE NOONE IN THIS STATE I DONT EVEN HAVE A JOB NOW, WE NEED THIS MONEY TO SURVIVE. THANK YOU, GOD BLESS STAY HEALTHY AND THANK YOU FOR READING THIS. PLEASE LOOK AT ACCT. DESPERATE MOTHER, XXXX XXXX XXXX FOR XXXX XXXX XXXX MY CELL XXXX
Complaint sub-issue: Attempted to collect wrong amount

I explained to Fedloan servicing that I can not pay XXXX a month because I am retired and not making enough to pay that amount I received a letter stating I only owed XXXX per month and that is all I can afford or I will get an attorney and sue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Public record information inaccurate

Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account.

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.
Complaint sub-issue: Problem during payment process

In the process of filing bankruptcy and was instructed to show activity on my discover account until filed. I set up an auto payment of {$5.00}. I just found out that for the last 2 months, they have attempted to take out XXXX and then XXXX from my bank. I called and their answer was that there is a disclosure that states that the full minimum will be taken if the " other '' amount I select is less than th mimimum. I canceled and set up a new one to be sure and the disclosure is in small print and confusing verbiage. I believe this is an unfair and deceptive practice that needs to be addressed. They said they don't do this for 1 time payments so why would they do it for an auto payment? This practice needs to be stopped.
Complaint sub-issue: Their investigation did not fix an error on your report

In response to letter dated XXXX XXXX ( XXXX XXXX XXXX XXXX Account ending in XXXX XXXX Reference Number : XXXX ), My XXXX XXXX limit was lowered from XXXX to XXXX.I was never sent a letter telling me my XXXX account was lowered.I found out my XXXX credit was lowered when i used it at the the XXXX auto XXXX for XXXX XXXX.That was embarrassing.In the letter dated XXXX XXXX, It states on XXXX XXXX my XXXX was converted to XXXX XXXX with terms and conditions.I never received any paper work, terms and conditions, or opt in/out paper work, etc..It also states in letter dated XXXX XXXX, '' This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit '' .I do not accept this letter as confirmation on change in the account number.Recently, i called XXXX XXXX and spoke to customer service and spoke to " XXXX '' CSR , and i stated to her to produce all letters to me for XXXX XXXX XXXX XXXX, XXXX lowering credit limit, etc., that was sent to me and XXXX stated that she cant produce that info to me.Also, there was no letter sent to me in XXXX citing closure of account.I totally disagree with XXXX XXXX
Complaint sub-issue: Account opened as a result of fraud

Received checks and a banking card PIN number in the mail for a checking and savings account for Citibank opened in my name using precious address information. Contacted Citibank who confirmed that someone had opened both accounts online. I did not make request these accounts and requested Citibank to close immediately and reported as fraud.
Complaint sub-issue: Transaction was not authorized

I live in XXXX, South Dakota. I have XXXX XXXX  daughters at home, ages XXXX and XXXX. I have a XXXX year old son that lives on his own with roommates. Last week his entire paycheck and bank account was emptied wrongfully for a garnishment which i know nothing about. The problem is THIS week, my minor daughter 's savings account was emptied of {$700.00}, everything she had. We just returned from XXXX  where she was in the hospital for XXXX and she is unable to work or go to school 3 months. She saved this before her XXXX from working so she could pay for her car, insurance and school items she needed. She was supposed to put a deposit on a trip with her class next year and now she no longer has it and can not pay her bills. My daughter is severely distressed and when looking at her account it said garnishment XXXX XXXX. I called the bank that allowed the money to be taken, XXXX XXXX, XXXX, SD, and they said it was XXXX 's garnishment and they can not talk to me about it. I stated it was stolen from MY XXXX  child so i am involved. Still no answer. They stated it was AAA Collections in XXXX XXXX SD. They, too, will not give answers because it is my son 's collection issue, not mine, and he is an adult. Regardless of my opinions about the fraud also happening to him right now with this company leaving him with any way to pay car payment or get food, my frustration and anger is at the theft of the {$700.00} from my daughter XXXX XXXX. None of us know what this is about nor did we get letters explaining. Not only that, my son did not receive a letter explaining so he can fight it or at least make payments. AAA Collections in XXXX XXXX, South Dakota has caused severe hardship on 2 families and it is cold and heartless, especially in these trying times.
Complaint sub-issue: Other problem getting your report or credit score

Incorrect information and can not get my free credit report As of : XX/XX/2020 Report Confirmation # : XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have been paying my normal repayment for years. Out of the blue on XX/XX/XXXX I received an email stating they received my request for income driven repayment. I am mediately called to inform them that I did not submit anything and the request was not mine. The lady explained that there was another customer with a similar account or social number and that the request was incorrectly login to my account. I told her I did not want anything on my account changed. She assured me that it would be corrected. On XX/XX/XXXX I received another email stating that they received the additional documentation for the income driven request. Once again I called and explained how I called a week prior and that the issue is still not fixed and I did not want any changes made to my account. Today XXXX I received an email that the income driven request was approved and was provided my new payment information. After logging into my account I found that my repayment terms were in fact changed all without my permission. The lady apologized and says she would fix it.
Complaint sub-issue: Information belongs to someone else

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Equifax : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem

I have a unique situation that I find completely bizarre. I have contacted Citi on numerous occasions to stop transferring {$560.00} from my Checking account to my Citi Advantage Credit card.I have called, I have used online chat, I have even written and NO ONE from this company will help me. It seems like such a simple thing to turn off but everyone keeps telling me they are manual transfers. I have n't lost my mind. I am not transferring {$560.00} myself every XXXX of the month. I have screenshots to show the manual transfer page that has no history of the {$560.00} transfers. I have screenshots of my bill pay page that shows no bills to my credit card. I have screenshots to show I have no auto-transfer and no auto-pay set up between my checking account and my credit card. Every time I contact them, they do not take me seriously. 

I have yet to receive a response to my written complaint that I sent via first class mail. I would n't be surprised if they denied ever receiving it. It 's a shame because I have been a Citi customer for nearly 10 years now.
Complaint sub-issue: Public record information inaccurate

XXXX, Equifax and XXXX, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Complaint sub-issue: Information belongs to someone else

This is the fourth attempt I have sent more than enough supporting documents to have these 3 accounts removed from my credit report. i have reported these fraudulent accounts to the federal trade commission which in fact is a federal law enforcement agency. i am attaching all my supporting documents to support my request. such as NOTARIZED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT. REPORT NUMBER XXXX A POLICE REPORT FROM MY LOCAL POLICE DEPARTMENT AND MY STATE ID AND CURRENT UTILITY BILL THAT VERIFY WHO I AM. I AM ALSO INCLUDING THE LAWS WHICH FURNISHER NEED TO FOLLOW UPON A IDENTITY THEFT CLAIM.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX XXXX XXXX I sent a letter to this collection agency referencing an alleged debt in the amount of {$490.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in XXXX. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau. 

A fair resolution to this issue calls for the collection agency to either provide the requested documentation in it 's entirety to valid the alleged debt or, to immediately remove the item reported to all three Credit Reporting Agencies : XXXX, XXXX and XXXX.
Complaint sub-issue: Account information incorrect

on XX/XX/2021, i sent XXXX  a letter about some inaccurate and unverified information they are reporting on my credit report requesting information about each of these items reporting as well on XX/XX/2021, i sent equifax a letter requesting information as well and has not heard from them as of XXXX.both letters went out USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ( XXXX  ) ; XXXX XXXX XXXX XXXX XXXX ( EQUIFAX )