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

Two days after the broad student loan forgiveness was announced, I called my current student loan provider, XXXX, to get a refund of the payments I made during the pandemic. They calculated the payments to be a little over {$10000.00} and confirmed they can refund the amount. 

A week later I called back as instructed to check on the status of my refund and the representative assured me that it is being processed. 

A couple weeks after that I get a refund in my account of {$100.00} rather than the $ XXXX that was initially confirmed by the representative I was speaking to, which prompts me to call back to inquire about the remaining refund amount. I was told for the first time that they are unable to refund loans that were paid to my previous servicer so I will need to contact them, which I promptly did. 

From there I was sent back and forth between loan servicers multiple times. Both promising they can refund and when I call back due to inaction, both pointing the finger at the other, with the representative having no real information. MyFedLoan kept telling me they don't have any record of the loans I paid off with them. 

I was finally escalated to a supervisor with MyFedLoan who told me that my previous loans are in the middle of being transferred to XXXX, she told me she thinks my refund request triggered that action. When I called XXXX with this information, I was promised a {$1000.00} refund and when I called back about that a week later I'm told there is no record of that refund on my account. 

I have called MyFedLoan numerous times to reinstate and refund the loans I paid off during the pandemic. MyFedLoan refuses to reinstate and refund the loans I paid during the pandemic, which I am entitled to do under the CARES Act. Their reasoning is that they do not have any record of the loans that I paid off, despite providing me with the records. 

My current loan provider says they are unable to refund any payments made to my previous servicer.
Complaint sub-issue: Account information incorrect

XX/XX/2022 XX/XX/2022 please remove from credit report
Complaint sub-issue: Account information incorrect

XXXX i found this mistake today equifax got me kisted 60 60 90 90 120 on their site and experian got me listed 30 30 60 60 90 which sounds more correct to me
Complaint sub-issue: Was not notified of investigation status or results

I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 30 days since then. Please help
Complaint sub-issue: Didn't receive notice of right to dispute

6 months ago a collection agency named mrs. Bpo reported a XXXX dollar debt to my credit report all 3 bureaus I've never heard of them they never gave me the right to dispute they just put it on my credit. It's not even mine. There's no account number on credit report either. They have no information on the debt at all and are not willing to remove it.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

ReliaCard has had my money since XXXX and wont release it! I verified my account several times was told everything was good to go and still cant access my funds
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : FSTPROGRESS XXXX XX/XX/XXXX DEPTEDXXXX XX/XX/XXXX and XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Investigation took more than 30 days

show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date Late Date XXXXXXXX XXXX XXXX XXXX  XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX Balance XXXX XXXX XXXX Late Date XX/XX/XXXX
Complaint sub-issue: Can't use card to make purchases

on XX/XX/2020 contacted XXXX at the Executive office to find out that my credit card is still not active. The account states it has a " fraud alert '' placed on the account. On XX/XX/2020 I contacted the early warning fraud department at Citi Bank as directed in the instructions via email. This was then removed upon my bank account information being verified. On XX/XX/2020 I then received a second email from Citi stating the same information, " fraud alert '' was placed back on the account even after previous verification. Upon proceeding to verify my information with customer service again, this time a supervisor, as I escalated the call due to my own suspicions. The account was unlocked and available for one day, I made one transaction for groceries and the account was locked again! I am facing financial hardships due to COVID - 19, not being able to use my account has resulted in a lower credit score for lack of credit usage, and has not allowed me to shop with  convenience. Due to my ethnicity, military veteran status, political campaign contributions, and or credit profile, I suspect this to be discrimination in lending and serious negligence by Citi Bank.
Complaint sub-issue: Frequent or repeated calls

I have received many calls from this number with the caller asking me to confirm my identity. When I ask for their business name and mailing address they refuse to provide it. I have told the callers that if they do not provide me with their business address that I must assume they are performing illegal activity and give them one more opportunity to give their mailing address. All attempts on my part to get their mailing address are refused with the caller going straight back to asking me for my name.
Complaint sub-issue: Account information incorrect

Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX. XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX's taxes that I filed with my husband.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX, I make a non-cancellable booking for a 2-nights stay for XX/XX/XXXX to XX/XX/XXXX on XXXX California  XXXX website, and prepaid {$320.00} using my Citi Premier credit card. 

XXXX, XXXX California  XXXX announced on their website that the hotel will be closed due to COVID-19 until  XXXX. They offered to convert paid bookings during closure to credit for future use. 

I did not accept the offer and contacted XXXX California   XXXX customer service several times, asking for refund due to non-delivered service. They kept persuading me into accepting the credit and refused to refund with the excuse that my booking is " non-refundable ''. 

XX/XX/XXXX, I contacted Citi to file a dispute. Customer service only asked information to locate the transaction and created a dispute. I was not asked to provide any document or evidence at that time. A temporary conditional credit of {$320.00} was posted to my account. 

XX/XX/XXXX, I logged on Citi website, checked my account, and surprisedly found that the conditional credit of {$320.00} was reversed. The dispute is shown closed with the result of " Resolved in merchant 's favor ''. A document provided by the merchant was linked with the dispute. 

Since XX/XX/XXXX till right now ( XX/XX/XXXX ) as I am filing this complaint, Citi did not contact me once either asking for any supporting material or notifying me about the result before the case was simply closed like mentioned.
Complaint sub-issue: Problem getting your free annual credit report

I am having problems getting access to my report. I have tried every way and only received a message to call but keep receiving an email to purchase their paid membership.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

I was contacted by phone in XXXX of 2019 ; a male person asked me for monies related to a debt I had no information about. I asked for details, the person threatened that an unpaid debt would " go on my credit report '', which I relayed that I understood that, however, I would not give him my credit card information w/o verifying it was a legitimate claim. I asked for a hard copy bill and any dates, details, etc. The male said he had the amount owed and I should know I owed it! I asked for an address to request details and was given an address in Georgia. I was skeptical and believed it was a scam but did not want to take a chance on an error causing a mark on my credit. I sent a Certified Letter to the address in Georgia and have received no information in return. I assumed it was, in fact, a scam. Now I see it on my credit report and do not know what to think. I had my identity stolen twice in the summer of 2019, therefore I have been extra careful with anybody contacting me out of the blue asking for monies. Especially monies I can't get details on. Can a scam company actually report to the credit agencies? I don't know what to do at this point. I have disputed this with XXXX  and with XXXX. Please help.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX A 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 XXXX. 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 XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Complaint sub-issue: Was not notified of investigation status or results

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX  has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX XXXX ) and third-party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged balance owed. 

On XX/XX/2018 I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/2018 at XXXX XXXX. this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX XXXX continues to ignite .my requets. They have willfully violated my consumer rights according to the Fair Debt Collections Practice Act. 

Specifically, I requested the documents from their files they used to verify this account. Under the FCRA, I have a right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. 

Who verified this account? What documents were used to verify this account? Where are the documents they used? 

It has been seven months from the time of my initial request for validation and to date they have wrongfully ignored and violated my consumer rights by refusing to validate this alleged debt. 

XXXX XXXX XXXX is in direct violation for continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested seven months ago. It is my connection that XXXX XXXX XXXX   can not provide evidence that I am contractually obligated to this account and as a result, are in direct violation and totally disregarded the law.
Complaint sub-issue: Didn't receive enough information to verify debt

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under SARMA Collections Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct..
Complaint sub-issue: Debt is not yours

I received a letter from a collection company ( Jefferson Capital ) that informed me an account from XXXX was sold to them with a debit owed in the amount of {$2800.00} in my name from the year 2017. They could not give me any specifics about the amount other than saying it was an overdraft and redi reserve. They referred me to contact XXXX at XXXX XXXX whom I called and was told to contact another dept at XXXX XXXX. I called them and got no more information about this. This is the first time I have heard of anything about this. I never had anything to to with this debt.
Complaint sub-issue: Information belongs to someone else

XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, DISCOVER now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not DISCOVER. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX  method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : 2:19-cv-00713-DAK-EJF, requesting Zurixx LLC to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. 2:19-CV-00713-DAK-DO vs. Zurixx LLC and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with CITI Bank with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
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. 

Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX  XXXX XXXX  # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX  # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Complaint sub-issue: Their investigation did not fix an error on your report

I had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX  of XXXX XXXX but late 30 days with Equifax?? How can I be late 30 days with XXXX and XXXX in XXXX of XXXX but on time with Equifax? 
The payment status shows 30 days late yet Equifax shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.
Complaint sub-issue: Information belongs to someone else

Hello, I reaching out to you all again, I'm not sure if you received my information. I contacted the police and FTC about this situation. I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I sent equifax a letter And an FTC report on XX/XX/XXXX. 
The inquiries were clearly stated in the ftc report. 

On XX/XX/XXXX - 4 of the items from my FTC report were deleted due to dispute. 
They left the items reported on my FTC and on my credit profile. 

On XXXX -I called Equifax about the inquiries that were left on my report but were disputed on FTC.. and they are saying that they can not tell the date of the inquiry when the date of the inquiry date is on credit report. I have asked them to delete the items by law. They deleted 4 without having dates on FTC report as mentioned on XX/XX/XXXX ; but now are making up rules that the other inquiries that were disputed need dates on the FTC report when they the dates are on the credit report. 

XXXX XXXX XXXX XXXX Were the employees I spoke to on XX/XX/XXXX