Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

In late XXXX I tried to apply for a credit card and my bank said my information with Equifax did not match my name or social security number. Somehow, the equifax report my bank pulled up showed all of my sister 's information instead of mine. I called equifax and the first thing I was told was to establish credit first and then they could fix it. I told them that the incorrect information on their end was preventing me from establishing credit. After repeating the same advice several times, eventually I was told me to send in pictures of my identity to verify and correct the incorrect information on my file. I sent my identification by fax in mid XXXX. 
A month later in XXXX, I received mail that the request failed because some information was illegible. They directed me to send it by mail to a po box . I called again to confirm this was the correct course of action, then I was told that my social and name didn't bring up any file with them and I was told again I needed to establish credit first. I talked in circles again on that issue until they said to send my information in again. This time I sent it in by mail. I waited for months and nothing changed and whenever I called about a status update on my dispute, I was told again that I had no account even though I had an a myequifax account with them that I logged into with my name and social security number and my bank said I had a file with the wrong information on it. 

I called twice today to get it sorted and the first time I was told I had no account until they pulled up the myequifax account I had, then I was told that I did have some account with them but no credit report and I needed to establish credit. I went to my bank to try to get help and called again. This time, my bank told them with me over the phone that they had done an inquiry on my file with my information and that everyone has a file and they should be able to find it. My bank called them out for the cyclical conversation about not having an account and said they were being deliberately unhelpful. We were escalated to a supervisor and she was even more unhelpful, telling me I should just try with XXXX and that I didn't have a file with them and that I needed to establish credit. Any time my bank tried to help with the conversation she would say she couldn't answer questions from a third party. My bank advised me that they were attempting to make me say I didn't have a report with them so they could end the conversation without helping me. Both the agent and the supervisor refused to give a full name so all I know was the agent was named XXXX and the supervisor was XXXX.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Working with XXXX XXXX XXXX on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2015. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX  and XXXX are still showing this account of report.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit bureaus stated my XXXXXXXX XXXX Account # XXXX was properly investigation and verified and everything is was % 100 accurate. 

But how is that possible if the Account numbers is inaccurate, the date last active is inaccurate, and date last reported is not accurate and high credit limit is not accurate, And the date opened is not accurate and the date of last payment not accurate and Number of months ( terms ) is inaccurate.This is grounds for removal they also violated my rights under : 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 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

According to the law 15 U.S. Code 6 1681a - Definitions : rules of construction.

The TERM " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached an updated consumer report as evidence and all three reinvestigations responds from credit bureaus.
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. 

1FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/2019 I requested my free Annual Credit report from Equifax via the Phone at XXXX where my request was accepted, specifying that the request would be processed within 15 Days. I submitted that request using my Home Phone Number from my Home both of which have been the same for the last 16 years. As of XX/XX/2019, I received no response from Equifax. Therefore, I submitted my request online at XXXX where, after answering questions regarding credit activity that never took place, Equifax informed me that my credit report was not available online and I would have to send additional documents to them physically to obtain my credit report. There was no indication why I could not view my Free Annual Credit Report which they are required to provide by law. 
I need that Credit Report so that I can review it for any potential problems. Please advise. 

Regards.
Complaint sub-issue: Information belongs to someone else

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Complaint sub-issue: Account status incorrect

The account being reported by Equifax in question is XXXX XXXX XXXX XXXX in the amount of {$410.00}. On XX/XX/2019, I paid this charge off in one full payment of {$410.00} over the phone with the collections department of the original creditor ( XXXX XXXX  XXXX XXXX ).  On XXXX-2019, this account on my credit report had been updated to paid charge off ( $ 411-> {$0.00} ). On XXXX-2019, the balance on this account had been updated and was increased by {$410.00}. On my last updated Equifax credit report of XXXX/2019, the payment status for this account reports as charge off with a balance of {$410.00}.
Complaint sub-issue: Contacted me after I asked not to

One of the employees from debt collection company has contacted me four-time from his personal cell phone to make a payment the first two times i have asked for him not to contact me from his cell phone. He lied and told me it was his company landline I called it back and receive a cell phone voicemail. also looked the number up in the white pages.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Their investigation did not fix an error on your report

EQUIFAX continues to inaccurately report THE XXXX XXXX XXXX as a collection on my credit report without being properly investigated. After investigation, XXXX  has already deleted this erroneous collection from my credit report. The major credit agencies are required to investigate disputes and accurately report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, Thank you for all that you do. 

This contact is in regards to a complaint focused on the unethical business practices used on me via " XXXX XXXX ''. I was making payments until one month ( XX/XX/2018 ) I could not due to my over-bearing car and legally forced car insurance plan requirements. I was contacted once about the first missed payment and then I was sent a letter within 30 days that my minute account had been closed by the lender. This is after I had made a {$100.00} payment within the time frame of the first paper mail communication and the last paper mail communication informing of closure. Then I received another paper mail communication for an invoice of the XX/XX/2018 payment. The debt has been purchased by " XXXX XXXX '' and is currently owned by " XXXX XXXX XXXX ''. When attempting to contact " XXXX XXXX '' I was transferred to " XXXX XXXX XXXX '' to settle the debt an spoke to XXXX, XXXX, XXXX ( XXXX ) and XXXX. We discovered that the balance I owe of {$450.00} does not reflect the balance of {$310.00} transferred from the " XXXX XXXX '' statement and I was being asked for too much money in regard to this debt originally presented in the amount of {$470.00} via " XXXX XXXX ''. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Sunday, XXXX XXXX XXXX XXXX/XXXX
Complaint sub-issue: Problem during payment process

I had 2 balances on my account. 1 for XXXX good until paid in full and 1 at XXXX that expired on XXXX. I wanted to pay off the XXXX balance but wanted to make sure my payment would be applied to it so I contacted the company to find out the best way to go about this. The balance expired on XXXX and would go to XXXX on XXXX. I made the payment on XXXX expecting it to go to the XXXX balance as the terms are payments are applied to higher rate balances first. This did not happen. I have been speaking with company representatives for several months. On initial conversation with the representatives they agree that the payment was misapplied and tell me they will forward it for correction. It was never corrected and now I'm being told that it can't because I made the payment before my statement closed so the payment was applied to the highest balance on my previous statement. I've asked to be shown this in writing and that has not happened. I have the original card agreement documentation and the balance transfer offer and no where does it state that I must wait until my statement closes to make a payment in order for it to apply to the higher interest rate first. I contacted the company specifically to make sure the payment would be applied correctly and followed their advice and waited until the offer had expired before making the payment yet they left that balance at XXXX and applied my payment to the XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I ordered multiple items from a store for the total amount of {$780.00}, I never received the product that I ordered, never signed for any product being delivered to me. 
I then contacted the store and they instructed me to file a police report and to send it to them for a full refund. I complied and did not hear from the store so I decided to file a dispute with CitiBank for the amount of {$780.00} for products not received. To my surprise the customer service agent put my dispute as an unauthorized charge which is false. I contacted CitiBank multiple times to let them know that the dispute was for products not received, but they completely ignored me and today I have been re billed for the whole {$780.00} for product that I do not own! their reason is that I authorized the charge, which of course I did but like I told them MANY times, the dispute if for products not received! I even sent them proof on XX/XX/XXXX of conversations and chat logs with the store.
Complaint sub-issue: Attempted to collect wrong amount

This is for XXXX XXXX XXXX XXXX XXXX acct # XXXX. Their billing service is NPAS, Inc., XXXX XXXX XXXX, XXXX, KY XXXX. 

The paper bill sent to me was for {$250.00}. I made, and can verify through my bank and with the NPAS confirmation #, that I made two payments in succession and the amounts were withdrawn from my checking account. Payments were made through their online portal : www.sphp.com/online-payment Payment 1 made XX/XX/XXXX and withdrawn from XXXX account on XX/XX/XXXX : {$50.00}. NPAS confimation # XXXX. 
Payment 2 made XX/XX/XXXX and withdrawn from XXXX account on XX/XX/XXXX : {$50.00}. NPAS confirmation # XXXX Note that NPAS DOES NOT have any way for consumers to check their balances against their crediting payments. 

On XX/XX/XXXX I received a collection notice from a debt collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX XXXX ) for the above account number. That collection notice they sent was for {$240.00}, an erroneous sum sent to them by NPAS. 
I tried to contact XXXX XXXX 's XXXX XXXX XXXX on XX/XX/XXXX and was put on hold for nearly 45 minutes only to discover that their phone lines were down. I called again the following day, XXXX, and was sent to the Collections person, " XXXX '' or " XXXX '', and left a voice message. No return call. I called again today on XXXX and someone in the Central Billing Office told me to pay {$150.00} and that the debt collector had added over {$100.00} in fees, which is a lie. I was again put through to the Collections Office voice mail. The Central Billing person told me that accounts are automatically sent to collections after 4 months even if you are making payments. There is nothing on the NPAS website that tell you that and nothing in the XXXX XXXX 's billing information that tells you that either. 

I called the debt collector, XXXX, etc. ) and was told they could only see that I had one payment on XX/XX/XXXX and there was no evidence I had made the XX/XX/XXXX payment despite my having multiple confirmations from my bank and the NPAS payment portal generated confirmation number. The person I spoke to at XXXX, etc. told me I owed {$190.00}, which is also inaccurate. Yet they were billing me for {$240.00}. I asked if this would go onto my credit file while I was trying to resolve this and she said " maybe. '' I tried to call NPAS and went through their automated system multiple times and was hung up on each time. The message said that the debt had gone to collections and then there was a hang up. 

I have called the hospital to file a complaint against their billing practices. I owe {$140.00} and want to pay that but I am being forced to pay {$190.00} instead. This has to be illegal practice and I really need your help. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. I was never late on these accounts. There are multiple errors shown in my report. Please check the date reported, date of last payment, etc. These are a good standing accounts. Please verify that all information are 100 percent true, accurate, correct, and not unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00}.
Complaint sub-issue: Frequent or repeated calls

I leased a living room suit from Conns, I was victim of tornado disaster in XXXX 2016 which all the furniture was destroyed. Conns have called my phone at lease 5 times a day from more than XXXX different phone numbers. I have sent cease communication notice since they have placed it on my credit report as charge off. Conns is very harassing, they call my phone over and over daily from many different numbers. They have claimed that they will come get furniture but I have advised them it was destroyed in fire, they will not quit calling harassing me.
Complaint sub-issue: Problem lowering your monthly payments

I have tried and tried to work with American education services. They never send me the papers I need and never ever help me. My son is in the hospital and they do not even care about my financial hardship I am going through! Recently last month they charged me because I made two separate payments instead of my whole payment! What kind of XXXX is that? Why does it matter if I do two payments??? They want me to pay up over {$300.00} dollars just to cover my two separate payments. Um no. They are suppose to work with me, not me work with them. Its my money.i have report this company 3 times and nothing happens!
Complaint sub-issue: Talked to a third party about my debt

Citibank in their response to my complaint against ( Case # XXXX ) them stated they have not attempted to collect on the debt in question since XXXX XXXX when it was sold to XXXX. And that a copy of my complaint and Citibank response will be forwarded to XXXX. ( See Attached ) I want to know what part of my complaint against Citibank was sent ; the complaint, or the complaint and fair resolution. I like to know whom it was addressed to and the address it was sent to. 
I want to address the issue of the debt being sold XXXX XXXX and all information made through the date of sale is given to the debt buyer. Why was my complaint against Citibank, and Citibank response forwarded to the debt buyer after the date of sale? 
Citibank fraudulently stated in their response to my complaint that they received a " Cease and Desist request from me in XXXX XXXX, and the account was updated accordingly. '' I never sent or requested a Cease and Desist. My written request made in XXXX XXXX to XXXX XXXX XXXX , XXXX was that all communication to be in writing, there was no mention of cease and desist. 
I want Citibank to produce the Cease and Desist that they refer to in their response to my complaint. ( Case # XXXX )
Complaint sub-issue: Public record

XXXX has some how made their way on my credit report reporting false information stating that I owe {$400.00} from XX/XX/XXXX. The prior company was XXXX from XX/XX/XXXX in which I have sent a letter to, to prove and verify that this account is in deed mine and why they feel that it is mine. I gave them 30 days. No respond and no updates. The account was sold to XXXX in which they never have NEVER contacted me but instantly put this fraudly information on my credit report.
Complaint sub-issue: Transaction was not authorized

Hello, The company Coinbase has charged me 3 times for two purchases. They removed one set of unauthorized charges. After a week they charged me again for the same prices. This company needs to be investigated for fraud. I've tried submitting a ticket to their website but they do not respond for days at a time. I'm not the only person having this issue.

I've attached two photos of the charges. One was for the XX/XX/XXXX and the newest as of today XX/XX/XXXX.
Complaint sub-issue: Trouble with how payments are being handled

I am in the process of buying a home. They require student loan statements to show my monthly payment, but because of COVID forbearance I do not have a monthly payment or statements since XX/XX/XXXX, and the bank wanted something current. On XX/XX/XXXX, I submitted an IDR  request for the primary purpose of receiving a letter from FedLoans telling me what my monthly payment would be on XX/XX/XXXX. I also assumed, reasonably I believe, that I needed to recertify before payments began again. I was trying to do my due diligence and get the paperwork my bank required. 

A week later on XX/XX/XXXX I called Fedloans and explained I needed documentation urgently. On XX/XX/XXXX they sent me a letter explaining that my monthly payment was and would remain at {$400.00} through XX/XX/XXXX, and I provided this documentation to my bank- it is upon this information that they approved my mortgage application. It was not clear from this letter whether or not Fedloans was still processing the IDR request, and so on XXXX I called and asked to cancel that request. I explained to the call rep that I did not know until receiving the XX/XX/XXXX letter that I was not required to recertify until XX/XX/XXXX. The representative told me it's true that I was not required to recertify and that fedloans would be in touch with me about my cancelation request. 

Not only did I not hear from them about the cancelation request, but on XXXX  XX/XX/XXXX, I received a notification that the IDR request was approved and that my monthly payment would be increasing by {$160.00}. This is the opposite of what fedloans told me via mail on XX/XX/XXXX, and on the phone on XXXX, and differs significantly from what I told the bank. There are borrowers out there like me whose monthly payments will not change until next summer because they understood they did not have to recertify in the normal course of things- why should I have to pay more while those borrowers continue to pay based on what their payment was pre-forbearance? Why should I have to pay more when fedloans represented to me even after the recertification request was made that my monthly payment would remain at XXXX XXXXXXXX/month until next XXXX? Why should I have to pay more when I did not understand I was not required to recertify until XXXX of XXXX? Why didn't fedloans process or respond at all to my cancelation request? I need fedloans to revert my monthly payment back to what it was pre-pandemic.