Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

The following company RA Rogers INC Collection Consultants has placed there name on my XXXX credit report in attempt to collect a debt that was accumulated as a result of identity theft. The original creditor XXXX XXXX XXXX XXXX was notified of this incident on XX/XX/2019 and have remove there name from all three credit reporting agencies XXXX, XXXX, and XXXX after receiving identity theft report back in 2019. I have included a copy of the identity theft report I sent to XXXX XXXX XXXX XXXX with this complaint. RA Rogers INC Collection Consultants had no right to place there company name on my credit report. I DO NOT OWE THEM ANY FINANCIAL OBLIGATIONS nor do I owe the original creditor XXXX XXXX XXXX XXXX whom they are trying to collect. Failure to remove there name from my credit reports upon receiving this complaint will result in small claims legal action against RA Rogers Inc Collection Consultants. I will be seeking a minimum of {$5.00}, 000 in damages for : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )
Complaint sub-issue: Can't close your account

I filed a complaint and spoken with this company over and over but I didnt submit the supporting docs with my complaint to you all last time and theyre ( FIRST PROGRESS ) saying that I didnt send them a police report to there company which I did and I also let them know that I was a victim of identity theft back in XX/XX/ and to let them know that the address they have on file for the credit card hasnt belonged to me in over 5 years also when I contacted with them about it on the phone they spoke in a very rudely manner with me and said there is nothing that they can do about it.
Complaint sub-issue: Information belongs to someone else

Best Buy CBNA is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Best Buy CBNA nor was I aware that an account was ever opened in my name. Best Buy CBNA is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 XXXX
Complaint sub-issue: Other problem getting your report or credit score

On XXXX XXXX, 2017 I attempted to receive an auto loan from XXXX XXXX, I was denied and given a letter of explanation citing a credit reporting agency called SAGESTREAM LLC. I have never heard of this company, nor have I ever given permission for them to obtain my information from other credit reporting agencies. My score from XXXX is XXXX and contains current and correct information. My score from SAGESTREAM XXXX, when I attempted to request my credit report from this unknown company they denied. They require you to mail in forms of id and personal banking information no one else requires. The company when contacted and attempted to find out more information on who they are, I was hung up on every single time. This company uses extortion and stonewalling tactics to increase interest rates for financial institutions.
Complaint sub-issue: Frequent or repeated calls

Constant and repeated robocalls at all hours of the day.
Complaint sub-issue: Didn't receive terms that were advertised

Opened an account with Bank of the West under the promotion of receiving {$250.00} after setting direct deposit from employer for {$500.00}. When I opened the account, I confirmed with the bank if I would receive the promotion and got an affirmative answer. After completing the terms of the promotion offer, when I called the bank to inquire about it, I was told that the promotion code which I used was already used by someone else and so they can not honor the promotion terms.
Complaint sub-issue: Personal information incorrect

There is an incorrect name and address listed on my credit reports. I have tried to dispute these to have them removed but for whatever reason they continue to report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Complaint sub-issue: Account status incorrect

My mortgage company, XXXX XXXX, sold my mortgage to their sub servicer company, LoanCare. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A XXXX XXXX  representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX  and XXXX  as those reflect the 15 point reduction. XXXX  hasn't updated this yet.
Complaint sub-issue: Trouble with how payments are being handled

I have been working for the same company since XXXX, which is considered a qualifying employer under PSLF. I was employed full time as a XXXX XXXX XXXX XXXX and was told that I should put the loans on forbearance during my residency, and I know now that that was bad advice. I started paying my student loans after I got my first full time job out of residency in XX/XX/XXXX, the first payment was in XXXX. I made 17 payments total towards the PSLF program before getting another full time job in XX/XX/XXXX. When I got this new position ( the program I currently work for ), I filed employment verification and was told my payments do not count. The position was for 32 hour/week with full time benefits. I was told that because the company does not consider me " full time '', I can not count my payments. The company gives all employees working more than 30 hours/week full time benefits, and the PSLF " full time '' definition is more than 30 hours/week. I still work for the same program now, and have changed positions recently but still work 32 hours/week. My original loan amount was roughly {$90000.00} and the most recent loan information states I have paid over {$150000.00} in loans and interest. It is not fair that I continue to suffer with these payments. I have started a family and have continued to serve the vulnerable population through my work and get penalized for this technicality.
Complaint sub-issue: Problem accessing account

I financed a vehicle from PNC bank, followed there instruction to access online banking and pay installment, i registered and logged in, next day i try to log in it says you need to register a cell phone number, i don't have a cell phone, after that i called the number provided and waited 30 min and since then i been getting transferred and customer service making excuses by drooping the line saying we cant hear you,, worst online banking experience ever, never banking with PNC again, customer service res are rude and even don't know any thing about solution, they keep reading from manuals
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Ic systems sent me into collections. I never recieved a phone call or notice by mail or attempt to collect debt. When I attempted to dispute through XXXX, I was told they have my correct phone number and mailing address on file. If so why did I receive no correspondence. XXXX  went onto to say debt was valid with no proof or documentation sent to me via mail date XX/XX/20 collections started. Ive made multiple attempts since then to get verification of debt for a XXXX XXXX  bill totaling XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I was originally contacted by IQ about 18 months ago and was treated with total disrespect. I requested proof of the debt owed to the XXXX apartments and after several minutes of harassment from IQ I was told that if I provide full payment they would in turn furnish requested proof. I declined this irrational offer and explained that any further communication shall include proof of this debt. I have not received proof as of today. I and recently my sister have been receiving increasingly abusive phone calls demanding payment and threatening legal action. I have transcripts of voicemails The account is reported on credit file as Account information disputed by consumer, meets FCRA requirements I have only disputed this with the company not the credit bureaus.
Complaint sub-issue: Didn't receive enough information to verify debt

Having recently moved back to the United States, I decied to check my credit reports as I had been out of the country for almost 2 years. While it's in the 700 's, I do have 3 collection accounts which I am trying to resolve.

I called ERC to discuss what the account was for and why the dates on my report are wrong as I had not even been in the US for 2 years. After researching how to respond in writing for verification and

possible settlement, they did not respond in writing within the 15-30 days of me sending a certified letter. I did receive the returned receipt which was signed. Also, I learned that ERC has had 100 's of complaints about how they do not respond in writing, try to get bank account information over the phone, report an old or non-existant debt and then when settled or even paid in full, they do not take it off your credit report. I found out that even if you pay the original creditor in full that ERC will still try to collect and file negative reports to the credit bureau. This leaves me with no desire to pay them anything as it will have slim to no chance of improving my score. Honestly, with all the complaints that have been published, how they are not shut down is a complete mystery to me and many others??? They are obviously in violation of many rules that were created to protect the consumers from the situations I have described. It seems that we have no recourse even if we follow every step reccommended by the CFPB. Please advise if you have anything new to deal with these unfair and unlawful tactics. 

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

I reported identity theft and sent letter and forms to credit bureaus and still received no responses or any updates
Complaint sub-issue: Reporting company used your report improperly

LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed with this company a month ago and their information came back verified. But I stated then that I was a victim of identity thief and that should have never came by verified. I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. These are the fraudulent accounts, XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} please delete forever!! I currently can't check me XXXX Credit Report so it's possibly more fraudulent accounts on it. I really need to speak with someone so that I can see what's on my XXXX report. 

Attached are documents with my claim number for compensation for damages done to my credit and my whole life. 
I request that this fraudulent information and accounts and addresses used for fraudulent activities be deleted for my report immediately!!
Complaint sub-issue: Company closed your account

I had a Discover Credit card opened in XXXX. I have used this card up to $ XXXX charged and paid it down to {$0.00} - I used this card to establish credit and have maintained this account as my longest credit line since opened. I depend on the length of time with this account to maintain a nice XXXX credit score. I last paid this in full XX/XX/XXXX. Today, I logged into my discover account and saw the message " there is a lock on your credit account. please call us ''. I always have a lock on my credit report so no new accounts are opened fraudulently in my name. So this was not a shock. But, when I called I was told my XXXX yr account had been closed due to inactivity. I have historically used this card every few years and have never had an issue. The online activity I can see also shows XXXX balance XX/XX/XXXX. I was told that I can reapply for a new card, but that they could not reopen it. I am not having a new credit inquiry hit my report, nor am I scrapping XXXX  years of good credit history. They claim they sent me a letter, but I do not recall receiving it - I truly would never have let this account close as it is important for my credit health.
Complaint sub-issue: Can't close your account

My parents both passed away ( Father- XX/XX/XXXX, mother- XXXX XXXX, XXXX ) and we have been trying to close their account since XX/XX/XXXX. I have power of attorney and am the executrix of both their wills. I was a signee on this account, but the bank seems to have no record of Mom and I filling out the card adding me in XXXX XXXX. We were out of the country so my father made this POD to my brother so he could have access to these funds in case something happened to mom. My brother lives in XXXX, MO, out of the PNC Bank footprint, and can not travel because of severe XXXX. Since PNC wouldn't let me have access to the funds, my brother called requesting info/forms to do this. He specifically asked if the letter identifying him and asking for the account to be closed needed to be notarized. The lady told him no, it did not. He sent in the letter/form and death certificats and we waited 3 weeks, no response. Meanwhile, the branch manager here in XXXX, Ky e-mailed in my parents death certificates 2 ( TWO ) times. I pressed the issue here in Kentucky to find out why we hadn't heard anything and they finally told us my brother had to write the letter requesting the account be closed and this time it had to be notarized, which he promptly did. They also needed Mom 's death certificate, so the local branch emailed it in AGAIN. That was over four weeks ago and we still haven't heard one thing from the bank. I have called and visited the local branch several times to find out the delay. I might add my parent 's other account at another local bank was closed in 10 minutes. PNC bank has lied to us, lost my signature card and Mom 's death certificate, put me on hold on the telephone for, literally, HOURS to try to get some action on their part. I have remained calm and patient, but this is getting to the ridiculous stage. I'm beginning to think they aren't going to let us close this account. We NEED this money to pay Mom 's final expenses. We need some help here, they have treated me terrible, although XXXX, the branch manager, has been nice. Please, please do something, it's been 2 months.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I got locked out of my account and there is no way to contact them they only offer a phone number that a auto responder will put you on hold for serval hours then hang up on you they do not offer any online chat service or any other way to resolve any problems with there card I have on hold day and night for a week and I haven't been able to talk with anyone and they have over {$1000.00} dollar 's of my money that I have no access to
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have just learned that XXXX sent my debt to an outside collection agency, which is weird as they normally collect from their own collection agency. I have not recived communication from them to my knowledge, but they have contacted my mother the co-signer. The school I went to was convicted of fraud and ordered to pay back {$500.00} million in student debt. XXXX XXXX XXXX, a part of XXXX XXXX XXXX. My debt qualifies for discharge according to the lawsuit and I believe this debt should be collected from XXXX XXXX XXXX and is no longer owed by me. I also believe XXXX sold my before 180 days. I did not stop paying XXXX, they stopped collecting and I was NEVER informed of any period of time the program ran for. I found out in a web search of another XXXX  borrower in the same program saying one was supposed to apply every year. XXXX had charged me for 3 years uninterrupted without mention of needing to renew yearly.
Complaint sub-issue: Debt was paid

I was sent to the hospital on XX/XX/XXXX. I was held for five hours and released. I later got a bill from XXXX that was very high so I called and told them I had insurance and they sent me the new amount owed which was {$120.00}. At the time I was struggling because I was leaving an abusive relationship and I had lost my well paying job because of this abusive partner. I fell behind with bills since the new job I had gotten was not as well paying as my previous one. I  needed to use what money I earned to catch up on my car payments and my auto insurance so I could still get to work. In XXXX of this year ( XX/XX/XXXX ) I paid the bill. In the pictures, it shows the amount owed. I had to tear the top portion off because since the hospital billing would not answer, I had to physically write my credit card information in and send it to them in the mail. I payed {$120.00} which was the amount sent to me by XXXX. It was the most recent bill and it said EXACTLY {$120.00}. I have received two collection notices from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and I have spoken to them twice and emailed them proof of payment TWICE that I paid! I have a credit card statement PROVING I paid. Another debt collector is now harassing me for payment. Americollect sent me a bill yesterday ( XX/XX/XXXX ) billing me for {$660.00}! Im being harassed by TWO companies over a debt I paid THREE months ago! Im very upset and its stressing me out.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received alert from credit bureau about collection item that damaged my credit. The item was previously paid and settled with a prior collection agency XXXX XXXX and was removed XX/XX/22 from credit bureaus. On XX/XX/22 alert of collect item from credit bureaus for same debt again which damaged my credit but this time from a different collection agency I. C System. I attempted to contact collection agency And spoke to a representative that refused to assist me. I explained that this was originally settled and paid with XXXX XXXX And asked why they were trying to collect the same that again. I am putting this complaintd in because it has damage my credit and this company is trying to double dip after another collection agency and refused to remove from my credit. I have also disputed multiple times and still havent gotten anywhere.
Complaint sub-issue: Account status incorrect

Account was disputed, got deleted and reappeared on credit report with a different amount of what the collection agency ( XXXX XXXX ) sent me and also account is showing open when in fact its already in collection.

15 USC 1681 Section 602 A : States i have the right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

1 ) account cant be in collection and still remains open 2 ) Agency violated my rights 3 ) Agency failed to mark account as disputed 4 ) Account has differnt amount from what the collection agency sent me on letter attached.
Complaint sub-issue: Problem cancelling or closing account

I filed several times before complaints against " XXXX '', " XXXX '', " Equifax '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " Equifax '' decided to take a Revenge against me by Re-age on XX/XX/XXXX a 2006 deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XX/XX/XXXX, b ) XXXX account # XXXX i closed it on XX/XX/XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???
Complaint sub-issue: Personal information incorrect

Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Complaint sub-issue: Problem with rewards from credit card

This is a complaint in regards to TRIP ID - XXXX I booked this trip using points ( see attached ), and its supposed to pay for the full fare. 

Shortly after I booked the trip, I went to the airline 's website, to buy seats and bags. 

For some odd reason, the airline did not receive the payment from CNB and proceeded to charge me XXXX  dollars which is the TOTAL charge for FLIGHT FARE + BAGS + SEATS ( see attached ). 

This means that the points I used did not go through, but CNB did not refund me the points. I have tried to reason with the XXXX and CNB, no one is taking responsibility. I can clearly see that XXXX  charged me the full fare + add ons on my credit card. unless CNB can produce documentation on they have made payments to XXXX, I would like my points back.