Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

Previously this company threatened and reported this to the credit bureaus and hurt my credit score.

However, on contacting CFPB, they since rescinded the complaint from the report. But still my credit score has not gone back up to where it was before. Also, there are banks and credit card companies that have since looked into my credit history. This has additionally hurt my numbers and credit outlook. 

After CFPB report, then sent me the details of the debt by US mail. This debt as it shows is from XXXX XXXX XXXX. When I left the hospital the agreement was that this amount is written off. However, when I called the people that worked there in XXXX are not there any more. Now they are telling me. that I owe and since it is old they can not help me!!! 

I have been calling Account Services, the debt collector to come to some understanding. I have left several messages over last few weeks from Mid XXXX onwards and finally left two messages today, XX/XX/XXXX, and got a call back. 

Told them that I am a retired XXXX year old, with XXXX  hurt in an accident. I am unable to work much and I don't receive any benefits. Income I have barely meets my rent etc. I told this to a Ms. XXXX XXXX and asked her how she can help me. 

Told her that I have saved {$250.00} for XXXX XXXX and there may be another {$100.00} to {$150.00} in savings. As I want to get rid of this  XXXX which is causing my intense XXXX  and XXXX, I wanted to reach some agreement. But she wants to put me on a payment plan. Told her that my income barely meets my expenses and that this savings of {$350.00} to {$400.00} will also be gone if they can't accept. 

She said that I will be reported as not interested in paying the debt back. This sounds like threatening to me. They will again hit my credit. 

Please help me reach some understanding with this company so that I can left in peace to attend to my life and my issues. 

Thank you very much. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My personal information was released by Equifax and has been compromised.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received an email on XXXX from XXXX XXXX asking if a new account was mine. Upon looking into it I found out someone opened a Home Depot card on XXXX. Maxing the card out for XXXX. I also found someone attempted to open an additional XXXX card afterwards. I filed a theft report with the FTC and followed the steps provided. Discussing it with Home Depot they have stated since personal information was provided in fully responsible for the account. I talked with them twice and on the second discussion they claimed I received benefits but refuse to tell me what I received or how.
Complaint sub-issue: Attempted to collect wrong amount

Nelnet, Inc. first contacted me by mail in a letter dated XXXX XXXX, XXXX, which started with the language : " ACTION : Your account number has changed. Please update any bill pay services you may use with your new account information or use the new payment mailing address below. '' The " new '' account number " XXXX ''. 

There is also a code on the left side of the document " XXXX '' Since I never had a " prior '' account number with Nelnet, how could this possibly be a " change '' in account number? 

Coincidentally, I had also received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX, which stated : " Notice of Loan Servicing Transfer from XXXX to Nelnet ( XXXX XXXX XXXX XXXX ). Account Number : XXXX. '' According to the regulations however, I was supposed to have received a notice of transfer from both servicing companies. I have never received a notice of transfer from Nelnet. 

Additionally, the National Student Loan Data System reports loans in my name that I had no knowledge existed and appear to be duplicates. One group allegedly consolidated on XXXX/XXXX/XXXX and another group allegedly consolidated on XXXX/XXXX/XXXX and the amounts are similar. 

However, I only had one consolidation loan, but after finding NSLDS and doing a bit more research, I allege that the loan consolidation application I signed was for loans that were not mine to begin with, but the loans I did apply for were not consolidated ( or so I thought ). 

I had no way of knowing this because I was never provided with copies of any student loan documents by the financial aid department ( s ) at either school, so I was relying upon the financial aid department to provide the correct information to the lender ( s ).
The loan detail Nelnet sent me via CFPB today references two separate FFELP consolidated loans, neither of which seem to have any relationship to the loan document they sent me ( XXXX XXXX XXXX ) which represents the consolidated loan I 'm disputing, comprised of a subsidized XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX, ( see copy attached to CFPB Complaint XXXX ). 


In addition, Nelnet has been reporting two separate loan amounts and payments to XXXX, XXXX and XXXX that are entirely different account numbers than they are allegedly collecting from me. 

Something is definitely wrong. This is not the first problem I 've encountered and in fact, the problems with student loans go all the way back to the application and continued, multiplied ( literally and figuratively ) over the years no matter who the servicer has been. 

Based on the coordination involved with the timing of the letter from XXXX and the letter from Nelnet, I allege this was done knowingly and intentionally with intent to defraud. 

This is a pattern or practice I have seen several times over in reviewing all my servicing documents throughout the years. 

I will also be filing complaints directly with the credit reporting agencies as well, asking them to delete this information from my record. 


Thank you, XXXX XXXX
Complaint sub-issue: Company closed your account

Hello, I have been a customer with U.S. Bank for over 10 years. Yesterday I tried to send money using the XXXX portion of their app when I found out that I was unable to send any money out. At first I thought it may have been a send limit issue, but I didnt send too much money out during this timeframe to trigger such action. After calling a few representatives and even going into a branch to see what the issue was, I thought there was nothing wrong. I call the accounts review this morning to find out that my account is in process of being terminated without any reason given whatsoever. I was contacted by someone in the company a few months back to ask me about my banking and spending habits for security and money laundering purposes. I told them about every single thing I do with my bank and had no problem going into detail about every transaction I have made. I either send money to my spouse to cover bills or rent, sometimes just to send money, or I send it to another bank that I OWN because maybe my account balance is low, or I pay bills from that particular account. Maybe I just want to send money to that account. Just like I send money to this account. There are three people who get money sent to them from this account, my spouse, my mother in law, and myself. My account is being closed all because someone suspects me of doing something illegal which I am not. My account information isnt even updated in the system to reflect that I have a full time job with a company that I have held over 4 years with enough salary to have the type of money I have, to make these transactions. Their system still shows I work with a previous employer although I mentioned this was outdated with your staff who asked me all about my life and habits. I am extremely frustrated with the way usbank has treated me in regards to this situation because there are people with way more money than me and Im sure you dont go into depth with them about their information. I almost feel like there is some type of discrimination because of my class and that because I dont make enough money like wealthy people do I dont deserve to use my money how I like. I have been with you for over 10 years and to just be swept to the side like this says a lot of negative things about how you really value the average customer. I used XXXX quite a lot but I have never sent money for no fraudulent or illicit purposes. I would like to demand my account be restored to its original condition and be treated like the customer I am. Fairly and honestly. I have never received any issues like this from the other banks I use and I appreciate them despite me being with your bank the longest and still being treated unfairly. To live in a state thats very expensive and costs of living is high, am I not supposed to have a lot of money?
Complaint sub-issue: Debt is not yours

XX/XX/XXXX XXXX $ Original creditor name : XXXX XXXX XXXX Placed for collections XXXX XXXX XXXX I have never had XXXX XXXX XXXX I contacted XXXX XXXX systems and they ask for my social I did not give it to them I gave them basic info and they said based on the info givin they was not able to pull it up. 
I found out about the collections on XXXX XXXX
Complaint sub-issue: Other problem

I have a credit card through elan financial. 4 payments have been made on my account by another party totaling XXXX ( approx. 1. 1400, 2. 2900, 3. 9800, 2. XXXX ). This occurred over the period of a month. I called after the first one and the removed it add applied in error, but then another appeared, I again called and this time changed my account number. Then two more payments appeared, they said the account number change did n't matter since they forward it for a year ( which I should have been told in advance ). Now I ca n't make my normal payment because it does I 've over paid ( my balance was less then 200 ). One they find where these payments belong and I can finally pay I 'm going to be charged for finance charges because of there mistake ... Also the amount of the payments seems like money laundering but they have ignored my repeated calls.
Complaint sub-issue: Sent card you never applied for

This complaint is for XXXX, I was at one of the stores and wanted to use my credit card there to buy something. I was told my credit card was out of date and wouldnt work and that I needed to get a new updated card. I asked several times to clarify that this meant I simply was going to receive a physical new card and not a new account because I already had an account with XXXX and obviously there would be no reason to open another one. I was lied too and deceived and had a credit card opened in my name which I did not want.
Complaint sub-issue: Other problem getting your report or credit score

My husband and I are attempting to get a refinancing loan for our house. Our lender contacted us to inform us of a problem. Two of the credit reporting agencies are reporting my information correctly. Equifax is saying that I have no credit file with them. Our lender gave me the name of the person showing up on the credit report that they received using my SS #. The name is that of my deceased brother. My brother and I have very similar names ( I kept my maiden name ) and our SS # are exactly the same except for the last two digits. So Equifax has my SS # in their system, my credit info ( house loan, car loan, credit card info ), but all that info is under my dead brother 's name. As I explained to Equifax, since my brother died over 8 years ago, it is impossible for him to have taken out a car loan four years ago, as well as opened a new credit card within the last few years, much less be making payments on all of this. Incidentally, my credit score is very good. Equifax 's mistake in creating a mixed account between my brother and me and is causing me to not to be able to refinance my house loan -- the locked in rate is only good for another 2 weeks and it is the only info that our lender is waiting on.
Complaint sub-issue: Account information incorrect

Account Name : US DEPT ED Account # XXXX and XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I'm not sure how I was late in those months. I have paid this account on time during those months. I could have gotten my statements late. I also see the date of last payment being reported inaccurately. XXXX is reporting XX/XX/XXXX while Equififax is reporting XX/XX/XXXX.
Complaint sub-issue: Funds not received from closed account

Numerous past CFPB complaints filed regarding missing funds from combined accounts including checking, savings, money market totaling the amount of {$140.00} from Discover Bank. As explained prior, Discover sent funds to XXXX XXXX as part of fraud claim in amount of {$690.00} several months ago in 2021. The amount does not cover claim and according to several reps in XXXX XXXX executive office, the check was not cashed, rejected back to Discover, XXXX XXXX does not accept partial payments such as this amount, {$140.00}. I attempted to explain this to XXXX with Discover Bank executive office, he claims instructions from XXXX XXXX show remaining funds in account ( XXXX ) with Discover to be sent to XXXX XXXX which does not match up with what XXXX XXXX in XXXX XXXX executive office stated, XXXX XXXX does not accept partial payments and check was rejected back to Discover, as stated prior ... XXXX  stated another check could be sent, in which case, I advised it would also not cash as is the same with prior check sent.. XXXX  and I talked in circles in re, I then made numerous attempts to speak with a manager in charge, numerous messages left with XXXX and XXXX, none returned... When I followed up, XXXX attempted to refer me to XXXX and or provide his number in which case, I attempted again to reach a manager by requesting one and leaving a message.. Numerous additional attempts were made to speak with a manager, additional messages left with XXXX as well... Most recently, I was able to get in touch with XXXX, a manager, unfortunately she referred me to current rep at the time handling CFPB complaint by the name of XXXX ... XXXXShe stated XXXX would reply in a few days ... Her reply stated a check in amount of {$140.00} was sent, however, it was not included in her reply.. Today, XXXX, I attempted to reach out to XXXX to confirm check sent and by which carrier either, XXXX, USPS XXXX XXXX XXXX etc XXXX I was told she is not in by XXXX, rep whom took call.. XXXX tried to imply check was expedited via XXXX in which case I advised I have no notification from XXXX showing a package or envelope from Discover Bank sent to me ... I am signed up for alerts with Fedex as well as UPS , when a package is sent or arriving, an email is sent showing me the name of shipper as well as tracking ID and expected delivery date... I've double checked and there is no package from Discover.. Needless to say, it appears information provided by XXXX is incorrect.
Complaint sub-issue: Banking errors

I used the Citi 's promotional offer to open Citi checking account. As per that promotion, I am suppose to get {$200.00} cash back after keeping {$5000.00} as balance. I deposited {$5000.00} on XXXX XX/XX/2020. Since last 2 days - I am checking with Citi 's customer service ( which is slow, sluggish and inefficient. Citi has become so big with the general implication that " left hand doesn't know what right hand is doing ''. I am being transferred from one agent to another and vice versa. No answers. It's total waste of time to deal with customer service folks in Citi. 
Why Citi is hiring and outsourcing jobs outside of USA - very poor performance by these overseas employees of Citi towards USA based customer like me
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, we filed a complaint against XXXX XXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I submitted XXXX FTC Complaint reports XXXX on XX/XX/XXXX and second one on XX/XX/XXXX because the first one was ignored by the bureaus I am a victim of identity theft and someone is using my information to open up fraudulent accounts in my name. They need to delete these accounts, addresses and inquiries they are FRAUD. The bureaus keep just adding remarks and removing them and closing accounts after I have requested countless times for them to investigate these accounts
Complaint sub-issue: Account information incorrect

I'm disputing the late payment on my XXXX XXXX XXXX XXXX account. My payment is due on the XXXX of every month. I missed XXXX 's payment, but I paid them on XX/XX/XXXX and the money was taken out of my account on the XXXX. They reported me for being 30 days late. That's inaccurate.
Complaint sub-issue: Account information incorrect

To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX Collection Creditor : XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2018 a negative remark was placed onto my credit profile. XXXX XXXX XXXX  XXXX sent a medical bill debt to collections which i did not know i owed, nor i ever recieved a letter from XXXX XXXX XXXX XXXX stating i had a debt to pay ( {$220.00} ). They also did not call or inform me in any way that they sent my debt to a collection agency called XXXX XXXX XXXX. I realized i had this debt in collections when i tried applying for a mortgage loan, i was turned down because of negative remark on my credit profile which is affecting me in a very bad way. I looked up my credit profile and found negative remark on my profile, i contacted original issuer and they denied in trying to help me in any way.I also contacted XXXX XXXX XXXX and they did not assist me with my troubles and negative remark on credit profile. I was also not aware that original debt sold my contract onto a collection agency which they need a signature of my behalf to do so in the first place and is illegal to impact my credit score.
Complaint sub-issue: Account status incorrect

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, Equifax, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed.
Complaint sub-issue: Debt was result of identity theft

I have a collections account in the amount of {$1600.00} from XXXX XXXX. I have no recollection about this account nor have I ever had a account with XXXX XXXX or ever purchased any electronics or wireless devices from XXXX. I have brrn a loyal member with XXXX XXXX for over 7 to 10 years. I have been a victim of identity theft and fraud and my information has been reported to the FTC.
Complaint sub-issue: Reporting company used your report improperly

I have been a victim of the Equifax hack. I went through their site to see if I was affected, and it said I may have been.
I understand that Equifax was also a victim in this attack, but there is only one way that over 140 million people could have been affected : negligence in regards to security and storage of highly sensitive personal data.
As an additional layer of negligence, they should have informed the public much more quickly instead of waiting more than a month after the breach happened.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I Have been trying to pay this card off. Have alot of debt. No income, being asked to pay what i dont have. There has been no compromises.
Complaint sub-issue: Information belongs to someone else

This is to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n 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 us 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 n 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Card was charged for something you did not purchase with the card

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Complaint sub-issue: Account status

Even though the amount was paid 4 years ago as soon as the case settled it still shows on my credit report as unpaid bill.