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

I cancelled my services with XXXX and they said i owed XXXX. I was driving when I was talking to them and could not retrieve my form of payment -- the phone rep. said he would call me back but never did so, I called them and they stated that my account was suspended but not cancelled so they continued the charges with no service. I had switched to XXXX XXXX XXXX. XXXX told me that i owed XXXX which was not correct. I have no problem paying the XXXX but i don't owe for services that were not rendered. I have no access to pay online on the account because when i log in it sends a code to the phone with the services. Since i have no service i can not retrieve the code. XXXX said that they can only accept the XXXX before they can discuss the account with me. They said they suspended the service in case i wanted to reactivate instead of cancelling service.
Complaint sub-issue: Trouble with how payments are being handled

I am a social worker and am applying for the Public Service Loan Forgiveness program. I completed graduate school in XXXX. Since then, I have been employed by eligible employers and have been making automatic monthly payments through FedLoan, my servicer. 

FedLoan has an inaccurate count of my payments. According to FedLoan, I am eligible for loan forgiveness in XX/XX/XXXX. They claim that I requested loan forbearance in XXXX and deemed payments that I made in XXXX, XXXX, XXXX and XX/XX/XXXX ineligible. 

I have never requested forbearance. According to my records, I should be eligible for forgiveness in XX/XX/XXXX. I made three additional payments in XXXX, XXXX and XX/XX/XXXX that XXXX count under the XXXX PSLF waiver, but I will need to provide an employer verification form. If successful, that would move my estimated forgiveness date to XX/XX/XXXX. 

I have spoken to several FedLoan representatives to address my concerns, most recently on XXXX XXXX, XXXX. At that time, my estimated forgiveness date was listed as XX/XX/XXXX. After the review, my estimated forgiveness date was changed to XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$50000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$4400.00}
Complaint sub-issue: Investigation took more than 30 days

I sent certified mail to all three credit bureaus and still havent received a response. All the letters asked for validation of debt and inquiries and I havent received a response its been longer than 30 days!
Complaint sub-issue: Trouble with how payments are being handled

I was in XXXX XXXX bankruptcy and working full time for a government agency when payments were made to my student loan servicer. None of the payments that I made were applied as qualifying payments for consideration on my public student loan forgiveness. 

None of these payments were applied to my principal balance they were all applied to interest. 

Payments were made from XX/XX/XXXX through XXXX of XXXX. I believe these payments should qualify for the revised consideration for public service loan forgiveness program. I believe all the payments meet the revised standards for payment count toward forgiveness.
Complaint sub-issue: Account status incorrect

I have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # 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: Reporting company used your report improperly

In accordance with the Fair Credit Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

XXXX has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )
Complaint sub-issue: Application denied

I am a XXXX XXXX XXXX XXXX  and applied for a credit card in my name only. The card company asked for me to verify income, so I used my household income ( my husbands pay stub ). The Credit Card company said that we needed to reapply under his name and I would be denied without proof of my income. I am not sure but I thought CARD act protected my rights to use household income. That I had this protection.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, MACYS/DSNB add a hard inquiry on my credit report per XXXX.
Complaint sub-issue: Need information about your loan balance or loan terms

I graduated from XXXX  school in XX/XX/XXXX and consolidated my federal loans through XXXX XXXX XXXX My loans were sold once to XXXX XXXX XXXX   XXXX XXXX ( XXXX  ) and then to Fed Loan Servicing Center ( XXXX ) where my loan is currently. Per Fed Loan Servicing calculations for the loan forgiveness program, I am missing 24 payments between XX/XX/XXXX-XX/XX/XXXX. I am unable to contact or verify payments with XXXX XXXX XXXX because this company dissolved/went out of business. I was never notified about this company closing or I would have requested copies of all of my documents. I have tried contacting Federal Student Aid but even their support services were unable to direct me on who to call or contact about this matter. This is unacceptable and I, as a consumer, should not be held accountable for the mishandling of student loans when I have never missed a payment, been delinquent, or defaulted in any loan I have ever held.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize this company to pull my credit. I have asked XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX  XXXXXXXX Via Credco XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX
Complaint sub-issue: Other problem

Dear Sir, I have a Sears MasterCard. This card is issued and serviced by Citibank on behalf of Sears. I usually pay all of my monthly bill using my bank 's online bill paying service. On XX/XX/XXXX I paid a group of bills. I thought that I had paid my Sears credit card bill of {$16.00}. However, I must have made a clerical error and skipped this bill by mistake. 

Soon after the Sears credit card due date of XX/XX/XXXX a started to receive a daily Robo call from Citibank on my home land line. These calls were coming from phone number XXXX. Every day I received a recorded message to call Citibank regarding my Sears account at XXXX. No reason way given. 

I hate Robo calls and find them very upsetting. As a result, my home land line is on the WWW.DONOTCALL.GOV list. This did not deter Citibank from Robo calling my home land line on a daily basis for weeks. 

When I received my next monthly Sears Credit card statement in XX/XX/XXXX, I realized that I had missed my prior payment. I was charged a late fee of {$16.00} which is 100 percent of the amount that I owed and 1,200 percent on an annualized basis. I was also charged {$2.00} in interest at an annual rate of 26.24 percent. 

When my XX/XX/XXXX payment was posted on XX/XX/XXXX the daily Robo calls finally stopped. 

On XX/XX/XXXX I received a letter from Citi Cards explaining that my XX/XX/XXXX payment due on XX/XX/XXXX was over due. At this time I had already made my XX/XX/XXXX payment. This letter was useless since it was n't mailed out until almost a month after the Sears MasterCard statement due date. 

My main complaint against Citibank is their policy of continually making daily Robo calls to customers who are on the FTC do not call list. This should not be allowed. Even if someone is not on the FTC do not call list, I consider these persistent daily Robo calls to be form of harassment. 

Citiibank 's Robo calling practices should to be stopped. 

Thank you for you assistance.
Complaint sub-issue: Debt is not mine

Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX. ) XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from XXXX. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

XXXX job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and XXXX  makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your lazy and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of racism and discrimination.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated that my XXXX XXXX account # XXXX was properly investigated but how is that possible when the Last Verified, Date of last activity, Date reported, Date opened, Account Rating, Creditor type, term length, account type, and account type. This ground is for removal and they have also violated my rights under 15 U.S.C. 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 everything has to be 100 % accurate on my credit report 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the Equifax breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2018, I attempted to make a {$300.00} cash deposit at the PNC Bank ATM on XXXX XXXX, XXXX, SC. The ATM was down for maintenance, and the branch office was already closed. As I have an automatic draft that is submitted on the XXXX of each month, I was attempting to make this deposit to cover this check. As the PNC owned ATM was down for maintenance, I went to the next closest ATM, a XXXX XXXX ATM up the street, as the next closest PNC Owned ATM is in XXXX, NC. The cash deposit showed up into my account as a pending deposit. This deposit did not clear until XX/XX/2018, resulting in two overdraft charges of {$36.00} each, a {$3.00} ATM usage fee, a {$3.00} Balance Inquiry Fee and a {$7.00} continuous overdraft fee. I have filed a complaint with PNC Bank on, and I was informed by their Money Management department that the fees were correctly charged to my account since I chose to use a non-PNC owned ATM to make my deposit, and my claim was denied.
Complaint sub-issue: Account status incorrect

Citibank # XXXX Beginning XX/XX/XXXX account shows in Collection. This student loan was deferred due to the serious illness of my son. The account is not in collection. It was deferred to XX/XX/XXXX. 
Also, even though this loan was deferred, I continued to make payments of {$220.00} each month. 

It seems wrong that this account would show in collection when it was deferred and I continued to make payments. It was never explained to me that if I deferred the payment the loan would show in collection. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # :XXXX Amount XXXX I contacted XXXX and XXXX 12times.  I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX   the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I was a victim of debit/credit card fraud on XX/XX/XXXX and XXXX, 2020. In those 2 days someone ran up {$1800.00} on my account with US Bank reliacard. I contacted them and reported the unauthorized transactions on the XXXX of XXXX the day I realized it was going on. They were pos sales and they list as the followed businesses. XXXX, XXXX {$62.00}, {$470.00}, XXXX XXXX XXXX : {$200.00}, {$35.00}. XXXX  XXXX : {$13.00}. XXXX XXXX : {$210.00}. XXXX XXXXXXXX : {$100.00}. XXXX XXXX XXXX  : {$7.00}. XXXX : {$250.00} IXXXX XXXX  : {$43.00}. XXXXXXXX XXXX  : {$12.00}. XXXX : {$18.00}. XXXX : {$250.00}. XXXX : {$230.00}. My US bank reliacard unauthorized claims was denied and I was out {$1800.00} roughly and then told I'm a liar basically that I didn't get stolen from and it's very offensive honestly. Too top it off took them 10 Mos for me to get a response! I called repeatedly about my claim but was told " well move it too fast track for you sir '' Mos later still no answer.
Complaint sub-issue: Information is not mine

# XXXX XXXX XXXX XXXX. - dispute claim and asked for a signature to prove it was mine -nothing # XXXX XXXX Bank Credit card - called & said card was used in XXXX XXXX I was never in XXXX at that time and cards had been destroyed 2 years Prior?
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had fraud in the amount of {$1000.00} on my credit card and bank refuses to compensate me. Branch Banking & Trust Bank Case # XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I became aware when I checked my credit report that this debt collector under the name of HUNTER WARFIELD INC. has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.
Complaint sub-issue: Account status incorrect

I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XXXX and then on XXXX they add the negative information back to my credit report again.
Complaint sub-issue: Didn't receive enough information to verify debt

I have wrote pro collector, & XXXX XXXX XXXX 3 times through via mail the debt collector who is allegedly stating I owe them money. I have not yet received any information where I stated and asking for contracts that included my signature stating we did business.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a XXXX  XXXX XXXX member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other XXXX credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. XXXX XXXX XXXX has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. XXXX  XXXX XXXX turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. XXXX  XXXX XXXX retaliated after I filed a CFPB report about their unfair and deceptive practices. XXXX  XXXX XXXX also contacted Citibank. Citibank told me over a recorded call that they lowered my credit limit by 50 % after XXXX  XXXX XXXX told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. Citibank should not make decisions based on inaccurate, information that XXXX XXXX XXXX has provided them about matters between myself and XXXX XXXX XXXX which has nothing do with my Citibank accounts. Citibank needs to put my credit limit back to its original limit as I have never made a late payment with Citibank. XXXX  XXXX XXXX reported to XXXX that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless XXXX XXXX XXXX.