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

Nelnet has improperly calculated my 5 years of continuous teaching multiple times as part of my XXXX Loan Forgiveness Application. I am using the XXXX  Loan Forgiveness Application downloaded from the Studentaid.gov Web site as the authoritative document for instructions and definitions in filling out the XXXX  Loan Forgiveness ( XXXX  ) application. This downloaded application has an expiration date of XX/XX/XXXX. 

The instructions on page 3 of the XXXX application in Section 7 state : If you need to list multiple XXXX or need more than one XXXX XXXX certification, the information required in Section 5 may be provided on a separate piece of paper and submitted with your completed form. 

Attached are the second page of my submitted application and an additional sheet which contains a completed XXXX XXXX XXXX Section only. To be clear my submission has always been three pages. Page 1 and page 2 are sections 1 thru section 5 of the XXXX application. Page 3 was a copy of page 2 with only section 5 completed. 

On page 4 of the XXXX application in Section 8 defines : An academic year is : Two complete and consecutive half years at different schools or for different XXXX  service agencies. 

The dates in the attached certifications are shown as follows : XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX, and the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I am claiming the following continuous years of service : XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), and XX/XX/XXXX XX/XX/XXXX ( 4 years of XXXX XXXX XXXX XXXX  ). This service meets the requirements of 5 years of continuous service.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX XXXX sent me notice that my recertification would be due soon and that they would send me what I needed, they never did and started to charge me a monthly balance ( that I did not have ), when I was a month past due I figured out what was happening and recertified - they approved for ONE month, then sent me mail saying that I was past due for recertification - that I had just done the month before so HOW can I be past due, I completed the paperwork for a new payment amount based on the recertification that I had done - I uploaded paycheck stubs to show my current income, they then said it was incomplete so I sent a message that the paycheck stubs were attached what else did they need, now they have upped my payment again because I am past due for recertification!!! I received no answer to may mail messages. I am now over 1600 past due with a new payment that is almost 900 a month!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, I have asked and wrote a letter to XXXX and Equifax on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 to investigate the medical accounts being reported and have asked for the proof showing that XXXX XXXX XXXX has my consent to report my medical information in accordance with HIPPA laws, and nothing was shown to me to date. I have asked for more information because this account was reported without a proper investigation and was reported without complete information. Also, this account has been damaging my credit report for so long and I needed help from your agency to sort this out. 

I am looking forward that your agency would help me and get XXXX  and Equifax more involved in investigating this account. 

Sincerely, XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

I am trying to receive payment from XXXX by linking to my PNC bank account and PNc will not allow the link.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Disputed with company in XX/XX/XXXX and XX/XX/XXXX in the amount of {$300.00} when it showed a discrepancy with credit limit and amount in collection. Also name dispute. Several attempts have been made to have this removed from my credit report. Have disputed twice. Company states that they know longer have account and given there outside agency number to no avail. Tried calling the outside company and the company states that the name on file and my name is not the same and can't give me any information. Requested that they remove this from my credit report and was told nothing will happen if I can't give the name on the account.
Complaint sub-issue: Problem with fees

I have a Citi Bank credit card that I have used for many years that i currently have a balance of around {$6000.00}. Recently I noticed something didn't seem right with my statement. For the last 10-12 months I have been making double the normal payment ( {$200.00} a month payment ) to try and pay down more principle. To my shock I recently realized my principle over that last year of payments has not gone down at all. At that point I called Citi and the customer service representative told me that I was being charged {$68.00} a month for the " Account Care '' program. I NEVER signed up for this " Account Care '' program and when I asked the customer service rep " how long have i been being charged this fee '' I was told " They can't tell me because ONLY " Account Care '' help desk can give me that information.

I was frustrated with the lack of transparency and honesty from the Citi customer service desk so I filed a complaint with the XXXX who contacted Citi. As a result the ONLY thing Citi did was to INCREASE the amount of collection calls I receive for the outstanding monthly payment. I informed the collection caller that I was not going to make another payment until someone addressed the current fee issue and informed me as to HOW LONG THIS FEE HAS BEEN CHARGED WITHOUT MY KNOWLEDGE. Apparently NOBODY at Citi has this information, they ONLY know how much I owe them.

Here is the best part. Earlier this week I finally got a call from " Account Care '' and I was told the following : They ( Account Care ) CAN NOT address my billing issue. That has to be done by CITI.

They CAN NOT stop the collection calls.

They CAN NOT address how my credit is being affected.

They CAN NOT show me where I " agreed '' to join this program.

They DID inform me that this " Account Care '' fee has been being deducted from my monthly payment since 2009. For almost 10 YEARS now I have been being charged this fee without my knowledge. That is THOUSANDS of dollars over that time.

Please help me! I don ; t know what else to do. I make my payments monthly, on time and I have been an honest customer. How can I get some relief from a dishonest XXXX Dollar company charging me fees I never agreed to pay? NOBODY SEEMS TO CARE ABOUT A GUY JUST TRYING TO SUPPORT HIS FAMILY. Should I consult an attorney?
Complaint sub-issue: Deposits and withdrawals

US Bank advised that my pension deposit that comes on the 1st would be routed to my account, specifically stating there would be no problem. As of today I was told I can not have access to my pension and it would take days. Further the XXXX, XXXX was snide and dismissive blaming the issue on IMRF ad federal reserve. Because of US Bank providing inaccurate information I have been caused hardship. The manager also stated I am recording this conversation in the middle rather than from the start and should include all the conversation. I should not have to suffer hardship because US bank provided inaccurate information. The manager, who was literally the worst I've come across in a XXXX fashion stated I'll retrain the employee that did nothing to rectify and address my situation the result of improper nformation provided to me as a customer. I hope the bank listens and retrains XXXX and others are do not go without their pension.
Complaint sub-issue: Other problem

I received a letter from Department Stores National Bank dated XX/XX/19 that a refund check in the amount of {$43.00} was issued to me and remained uncashed. The refund check was supposedly dated XXXXhowever, I never received such a check. As a result, I contacted Department Stores National Bank and spoke with XXXX ( I.D. # XXXX ). She seemed confused as to how to handle my issue, but after several minutes holding she returned to the line and reassured me that this check would be reissued-however, I have not received the check and have been unable to contact the business since that time. I am requesting that Department Stores National Bank reissue my refund check and forward it to my address immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Reports of said account is still being reported without being verified
Complaint sub-issue: Account status incorrect

I have a credit card from XXXX XXXX XXXX XXXXXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX and XXXX XXXX XXXX XXXX  XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Complaint sub-issue: Having problems with customer service

Resolution of the following issue is still outstanding. 

Using the Income Based Repayment ( IBR ) plan, payee contacted the loan service provider questioning the degree of increase in monthly payments from XX/XX/XXXX-XX/XX/XXXX year to the XX/XX/XXXX-XX/XX/XXXX year. After repeated attempts to verify calculation with written documentation, the loan service provider could not confirm the calculation amount was correct. The service provider failed to return phone calls as promised, disconnected phone calls with the payee, communicated to the payee that she should " just pay the amount '' without questioning why it increased so extensively, failed to put the payee in contact with any senior management who could assist in resolving the issue, and refuses to provide written confirmation demonstrating how the IBR calculation accounts for a spouse 's loan amount as a variable in the IBR baseline methodology. The service provider in several instances affirmed that the payee 's calculation " looked too high '' and a supervisor confirmed that an analyst was working to reconcile the discrepancy, but the issue still remains outstanding. The payee contacted the service provider 14 days before payment was due, communicated to the service provider that she would not pay the amount until the calculation was confirmed as correct, asked for administrative forbearance until the issue is resolved, and is still receiving past due notices and advisement that interest will be capitalized because of failure to pay. The payee is willing and able to pay an amount that is correct, and should not be subject to scare tactics to incentivize payment of an amount that is inaccurate. The payee and spouse have been in almost daily phone contact with the service provider over the past 22 days and nothing is resolved. Payee and spouse have encountered incredibly poor customer service including representation of wrong information, unreturned phone calls, lack of written communication and clarification, incompetence in understanding what is required for IBR recertification and calculation methodologies, and just rude phone discussions with customer service representatives, account managers, and supervisors. Payee is effectively being penalized for the service providers incompetence and failure to appropriately conduct business with payee customers.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft which have created a great deal of XXXX  and XXXX. I submitted an identity theft report complaint with the Federal Trade Commission. My consumer rights of me being a natural person under the Fair Debt Collection Privacy Act USC 1692 and Fair Credit Reporting Act 1681 are being violated. Upgrade are breaking federal law attempting to collect a debt that is not owed. I do not owe Upgrade any money and demand that they stop attempting to collect the alleged debt and delete any internal records of the alleged debt and stop the false reporting to the credit bureaus ( XXXX XXXX and XXXX  ). I am also requesting an audit trail according to GAAP that any money was given to me. If any account was created using my social security number ( which I didn't authorize ) that would make me the creditor not the debtor. How can the creditor owe any alleged debt? They can not according to congress! 15 USC 1692 states that it is fraudulent to furnish a deceptive form to make me think I owe an alleged debt when they became a " debt collector '' after " Me '' the Original Creditor creates a creditor by giving them credit to extend back to me. I do not owe any alleged debt and demand that the alleged debt be deleted immediately or I will seek remedies for the violation of my consumer rights under congress law!
Complaint sub-issue: Problem getting my free annual report

My complaint is with Equifax. I tried to go online and get my free credit report, and when I tried to enter the code at the bottom, it told me each time ( 3 times ) that I had entered it incorrectly. Then it told me that I needed to request my annual credit report by mail. I called Equifax at XXXX-customer service. I could get it if I signed up for their program that costs XXXX. I told them that I was not going to pay for something that I am entitled to get for free. I then requested that they send me a hard copy. They told me that there was no way that I could get it online. They being representatives XXXX and XXXX. I went ahead and requested to have my report sent to me in the mail. They said it would take a week. This is just wrong! I should be able to get it for free and online like I did for XXXX and XXXX. I had no problem with them. It should also be noted that I also tried to go online and request my free credit report a month ago, and I could not get it either.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX-XXXX {$220.00}
Complaint sub-issue: Account information incorrect

on XX/XX/2020, i sent dispute documents to XXXX  and Equifax regarding the inaccurate items they are reporting on my credit report and damaging my creditability in obtaining things.I haven't heard from them as of yet nor has they gave me the things that i requested.i would like for you to check into this matter please.
Complaint sub-issue: Investigation took more than 30 days

Ive had a problem with the Equifax company. I reported inaccurate information on my credit report. I mailed a detailed letter with the inaccuracies listed and the violations on the fair credit reporting act that equifax committed. Today is XX/XX/2022. The original letter was sent on XX/XX/2022. More than 30days have past and still no response. The items on my report should be deleted and removed immediately
Complaint sub-issue: Information belongs to someone else

I filed an dispute for a unauthorized account that has be reporting to my credit profile. Ive attempted to dispute this account on multiple occasions. I am a victim of identity theft as I explained to all three bureaus. I just received an update stating that the account has been verified.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!
Complaint sub-issue: Threatened arrest/jail if do not pay

On XX/XX/2016 at XXXX est I received a voicemail from a person who claimed his name was XXXX XXXX . He called from XXXX. The voicemail insinuated he was an official of XXXX County who was attempting to serve me legal papers. When I called him back, he said he was trying to speak with me regarding a debt related to an old Citibank credit card. Because I formerly worked as a debt collector, I knew he had broken various guidelines as dictated by the FDCPA. I asked him if he was attempting to collect a debt, and he said no. I asked him why he did not recite the Mini Miranda, and he replied that he was not a debt collector, though he called me regarding payment arrangements for an old debt. I have copies of 2 voicemails that he has left me, and will provide them if requested.
Complaint sub-issue: Was not notified of investigation status or results

i filed a dispute with equifax and XXXX 75 days ago, i feel that is plenty of time to respond to my request. please help me in the matter.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2020 Cash App blocked my old debit card from being used without my permission. Not knowing this at this date and time, a {$20.00} cash transfer was loaded unto my card. The original card was lost and i asked for a replacement. Cash App sent a placement card and never loaded the {$20.00} and gave me an old card Cash Tag App name of XXXX XXXX it should had been XXXX  XXXX XXXX. 
The Cash App help team has access to the replacements cards and has emailed more than several times denying to return the {$20.00} to the owner or forward it back to me. 
Mr. XXXX XXXX is the CEO of the prepaid money transfer entity in XXXX XXXX, CA at XXXX XXXX XXXX XXXX XXXX XXXX The organization also goes by the name Square Cash Please help me get my {$20.00} from this origanzation ASAP
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX I received a bill for purchases I did not make. I reported fraud with the company ( XXXX XXXX ). They canceled the card and sent me a new one with a new #. The next month I received another bill with more charges. Again I called to report fraud and told them I do not want another card. Cancel my account. This happened for three more months which I reported fraud and how can they make changes on an account that was canceled. Now they are saying they refused to accept fraud charges because I live less than an hour from where the charges are made. I refused again and they are looking at it again as one claim
Complaint sub-issue: Public record information inaccurate

LexisNexis XXXX XXXX XXXX XXXX, a LexisNexis Company has violated my rights under FCRA Section 604 ( A ) ( 3 ). This company continues to retrieve my public information from XXXX  and sell my public records to a variety of its customers, including consumer reporting agencies WITHOUT permissible purpose. LexisNexis XXXX XXXX XXXX XXXX has fraudulent sold and used my personal and private identity information for financial gain.
Complaint sub-issue: Problem using a debit or ATM card

On Saturday XX/XX/XXXX I noticed my debit card was not working, I was expecting refunds and other transactions to hit my account via that debit card. So I called my bank immediately and was told that a new card had been sent to me by the " System '' because it decided that I needed a new " tap to pay '' debit card. I was never given notice about this, I never received an email about it, nothing. All Discover bank could do was apologize over and over again and informed me that I would need to file disputes about the issue. SO I did that. Unfortunately that is where the help stopped and the judgements, accusations, and flat out refusal to assist me with a problem they created began. The disputes dept and supervisors flat out did not believe me, told me I was lying to them, mocked me, and flat out refused to expedite the credits into my account that I should have received. I have not eaten in 2 days, I have already missed work twice, and will undoubtedly lose my job, my home, my car, and be left with nothing. I have children, I have a family and all that is going to be gone all because of the attitudes and treatment I was given by Discover Bank and their disputes dept. I am in tears as I write this, I never knew a company could mistreat a consumer in this manner. Thank you for your time.
Complaint sub-issue: Billing problem

I purchased the vehicle back in XX/XX/XXXX with PNC Bank financing sourced directly through the dealership. I never received an electronic log in or any paper or electronic statements when creating the car note. After making payments on time/early in person or over the phone for ~ 2.5 years, the rep on the phone gave me a one time pin to set up electronic payments to which I set up into the future over 12 months. 

Subsequently, I purchased a home in XX/XX/XXXX and have been dealing with a large renovation that has displaced me and my family. We have been staying with relatives for the past 6 months. Over the summer, my automatic payments ended as there was no option to set them up indefinitely. I did not notice that the car payments had stopped coming out as I had been occupied with other things like payments going to contractors and they had been automatic for such a long period of time at that point. 

The last payment ( confirmed this afterward ) was XX/XX/XXXX and I received no phone calls, physical or electronic statements, email notifications or any other attempts to notify me that payment was late or due until on XX/XX/XXXX when I received an alert from XXXX XXXX telling me I had a new 30-day late mark. 

I had no idea and immediately went down to my local branch and brought the vehicle loan current in full. While there, the branch manager noted that whoever set up my PNC Bank account did not enter in the correct phone number. She also noted that they had received a notification of change of address from the USPS ( I used there mail forwarding service ). I told her that I had not received any communication from the bank during this time and to this date, XX/XX/XXXX, I have never received a monthly statement showing me the balance of my auto loan. 

I asked the bank if they would remove the 30-day late mark as no attempt was made to contact me to notify me of a past due balance as well as no statement or evidence was provided to me alerting me that I wasn't paying them. They told me I would have to file a complaint and that they would not remove the mark. 

I also wanted to note that during the time of non-payment, even though I received no communications about the standing of my account, I received emails and physical mail from them asking me to open a HELOC or apply for a credit card. This is evidence that the bank did have a way to contact me.
Complaint sub-issue: Account information incorrect

Hello -I received information regarding this account from XXXX on XXXX XXXXXXXX The response from the company stated they wanted me to send in information in regards to this account. The account is listed on my XXXX and Equifax reports. It is inaccurate. 
In accordance with the Fair crefit reporting act 15 USC 1681 I ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the listed account below.. 
XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be removed immediately.