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

I just moved to the XXXX XXXX area and was intersted in learning about a matchmaking service and went to an appointment with XXXX Invitations in XXXX. At the appointment I learned about the cost of the services which were excessive, they wanted over {$6000.00} for the service. Since then, I learned that they charge others only {$2000.00} for the same services ( I learned this from a match ). I told the company I could not afford the service they were trying to sell me. I was willing to try the services on a smaller scale. I agreed to a reduced cost for a reduced service plan of XXXX matches instead of XXXX. They charged my credit card {$2500.00}. They agreed to do XXXX matches for this amount. They have only done XXXX match since XXXX XXXX XXXX and are now sending a collection agency to collect on the original amount they wanted to charge me. If they have not been able to find the XXXX matches for the reduced contract, why would I pay for additional services. The communication with them has been horrible and they are deceptive and sell you what they are not able to achieve. 

I sent them a letter requesting a refund on the services and they have been stalling me and trying to set me up on matches but only one has been completed. I do not owe them {$3600.00} as they have not provided services for the {$2500.00} I paid. 

I have agreed to pay the {$2500.00} but need them to continue to provide the services that equal that amount.
Complaint sub-issue: Report improperly shared by CRC

I did not authorize any of the hard inquiries on my credit report initiated XXXX/XXXX/2016
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Investigation took more than 30 days

I filled a dispute about items I found to be incorrect on my credit report. I have yet to receive a resolution about the issue even with 30 days that have already passed.
Complaint sub-issue: Frequent or repeated calls

My first call with them was very abrasive I had no idea that my account that was joint with my deceased aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3 times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold Sallie Mae harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she died shortly after those calls and now I'm grieving her death and this mess with the XXXX XXXX and Sallie Mae.
Complaint sub-issue: Threatened to sue you for very old debt

XXXX XXXX  XXXX ( XXXX ) called me at XXXX at work about a best buy credit card from years ago, today XX/XX/19 threatening with legal action causing me extreme anxiety. The first call consisted of a voice message recording saying that I have a case against my social security number, name and other things. I call back, they say the last 4 of my social security number and name to verify if I'm who they are trying to contact. I said yeah and they proceeded to say basically if nothing is done today that the courts will proceed with my case and it'll cost $ 3,000+. 

They offered me to pay {$300.00} today, {$300.00} this Friday and the rest by the end of the month which would be a settlement of the original {$1200.00}. Or if I paid {$1000.00} today that it'll be settled. I remember paying off a settlement which I don't remember the balance or which creditor had the debt, a few months ago and it said after paying that, it would've been settled and paid off. So I paid that and then they call today with what I described earlier in this message. I told them I can't afford that right now and they said if I can't they have no other choice but to let this go to the court. They didn't seem to be too professional and told me they can't provide information as to who sold them this debt or provide proof of this debt. I told them that I'll call back, they said I only have 60 minutes from the time I called back or they will pursue with the case. 

About 2 hours later I get a call from XXXX PA District attorneys office ( XXXX ) at XXXX saying that do I know of XXXX XXXX XXXX and I hung up, called that same number back at XXXX and they said no one from there ever even called me and they don't even have any of my information in their office. So at that point I knew something is up and while I was on the phone with the real people from the district attorney 's office, they were spoofing their caller ID again and I didn't answer. Then they called from XXXX at XXXX and again it was them but I didn't answer. At this point I'll probably sue them for harassment and want to report them for the harassment as well.
Complaint sub-issue: Didn't receive advertised or promotional terms

I signed up for a new PNC cash reward credit card and was suppose to get a bonus of {$100.00} when I spent {$1000.00} or more in 3 billing cycles which I did. Unfortunately XXXX and PNC both blame each other for I not receiving the promotion and have refused any compensation after numerous phone and bank correspondence. I am now asking the CFPB to send both XXXX and PNC this complaint for a timely response for failing to honor and advertised promotion and reason why and ask they include the legal address to send any possible future notices of appearance if unable to resolve this matter. Furthermore, this complaint was sent to the CFPB to take note that it may upon further investigation possibly trigger discovery of predatory banking practices and unfair business practices with possible violations of the Dodd Frank and Consumers protection acts. Opening new accounts and credit to cosumers under false pretenses is not only unfair business to consumers it is also unfair to big banks like XXXX and XXXX XXXX XXXX who offer competing offers.
Complaint sub-issue: Account information incorrect

Nelnet student loan servicing has been reporting to my credit report even though I never selected them as my student loan servicer. I did make an inquiry however I selected XXXX as my loan servicer. Just because I made an inquiry about their practices did not mean I selected them and they had no right to report anything to my credit report. 

I contacted them and explained that I made an inquiry that led to this mistake/assumption that I may select them, however, I did not. I ended up selecting XXXX. 

I made several calls to Nelnet and finally worked with XXXX who spoke with her supervisor and they agreed to remove all reporting, ( including the " closed '' accounts reporting ) from my credit report because that is actually untrue. I never had an account with Nelnet to close. The reporting was removed but then two months later all the so called " closed accounts '' are appearing again on all my credit reports, even though Nelnet agreed to remove the false/inaccurate reporting. 

Here is the contact information for : XXXX, XXXX Representative XXXX direct line XXXX customer service line
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There was an unauthorized hard inquiry on my credit report, as provided by credit karma, from XXXX XXXX, today, XX/XX/2019. 
Neither I nor any member of my family has contacted XXXX XXXX for any reason.
Complaint sub-issue: Information belongs to someone else

An account that is incorrect is reporting on my credit report XXXX XXXX XXXX****
Complaint sub-issue: Reporting company used your report improperly

I am submitting this complaint on my behalf because Equifax has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).
Complaint sub-issue: Can't close your account

Hi, I '' ve tried to close my savings account 2 times now and each time more fees are added on after the representative at Citibank confirmed the account was submitted for closure after removing the fees. 

The first time, the representative confirmed that since there was a XXXX balance the account will be closed with no issues and " closed '' the Citibank savings account.

The second time, I received a letter stating I owed a balance on the account due to a monthly maintenance fee being charged AFTER the account was closed.

The CSR explained that an interest of XXXX posted to the account which stopped the account closure. She then XXXX the balance and submitted a request for a XXXX cent refund. She assured me the account will now be properly closed.

Less than 2 weeks later, I receive a letter for an overdue balance on the savings account for XXXX. Obviously this account IS NOT CLOSED STILL. 

This is ridiculous as each call requires me to be put on hold for hours to resolve this! Only to find out the account was not closed and more fees are being charged!
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with Equifax. I was emailed a notice stating only that their investigation had been completed. They never notified me as to the result of that investigation.
Complaint sub-issue: Information belongs to someone else

I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX  # XXXX, this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment this is not accurate please delete. I have never been late on my PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! 
Information belongs to someone else PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Complaint sub-issue: Not given enough info to verify debt

FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with XXXX
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}
Complaint sub-issue: Reporting company used your report improperly

My information was divulged ( SSN, addresses, credit details ) in the Equifax hack.
Complaint sub-issue: Information belongs to someone else

My personal information has been leaked, along with approximately XXXX XXXX other people, by Equifax.
Complaint sub-issue: Problem using a debit or ATM card

My husband and I traveled to XXXX over XXXX and XXXX Years. Of XXXX and early XXXX. On XX/XX/XXXX we went on a XXXX rental from XXXX XXXX XXXX, the the ocean was so rough my husband and I both got sick, and two crew members. Also while we were on the ocean, one of the engines blew, and we were down to only one so the captain insisted that he gave us a refund. The captain also had a difficult time parking the boat with only one engine and I have a video to prove that. I also told the bank that. I accepted and the refund was supposed to be for the full amount of {$1700.00}. That charge still has not come off my account. I also had two more charges on XX/XX/XXXX, one for {$250.00} and one for {$500.00} from XXXX XXXX XXXX XXXX. I had purchased a couple of cheap magnets for our son that has XXXX, and instead of them charging me in XXXX they charged me in dollars!! I got ripped off pretty bad in XXXX. I have tried to contact both merchants, and neither one have been cooperative. So I faxed my bank a letter to dispute all three charges. They confirmed that on XX/XX/XXXX they received my notification of possible incorrect debit card transactions on my bank of the west account. On XX/XX/XXXX I received a letter from them from XX/XX/XXXX saying that they had completed the investigation of my case. Bank of the West denied it, said that merchants are independent from us and they bank is not responsible for them for misrepresentations made by merchants from which I choose to purchase goods and services with my card. This is ridiculous when I cant even directly speak with the merchants. These are fraudulent charges, that I did not make and also one that should be refunded because of the horrible experience that we received and we were told we would be receiving a refund. I feel like I have been scammed by Bank of the West also. I have been saving for years to go on this trip. Also having a son that has XXXX and is nonverbal, it was a vacation my husband and I really needed and then to come home and see bank fraud is disheartening.
Complaint sub-issue: Account information incorrect

In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old loan a s " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the s ame 10 year old studen t loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped my credit score  XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is many attempts of solving a problem with Equifax allowing this subprime lender to deliberate make negative points on my credit report, Equifax and XXXX XXXX have just had a lawsuit against them for these same actions, they are in together supplying misinformation, I have filed many complaints against these two, I am going to seek legal advice to put this to rest, both of these companies are very very horrible companies
Complaint sub-issue: Debt is not yours

MRS BPO, L.L.C FRAUDULENTLY COLLECTED MY INFORMATION WITHOUT MY CONSENT AND IS FORCEFULLY TRYING TO MAKE ME PAY THEM A DEBT THAT I DO NOT OWE TO THEM FOR AN ESTIMATION OF ABOUT 2 YEARS. I SENT OUT A DISPUTE LETTER IN ACCORDANCE WITH REFERENCE, REGULATIONS OF THE FCRA, CFPB, FTC AND HIPPA LAWS AND CONSUMER RIGHTS ; AND NEVER GOT A RESPONSE BACK FROM THEM. I NEVER GAVE THIS L.L.C AUTHORIZATION NOR CONSENT TO MY PERSONAL INFORMATION. NOR DID I SIGN ANY CONTRACT WITH THIS SAID L.L.C TO PAY ANY DEBT TO THEM. ALSO, IT APPEARS TO BE HIDDING BEHIND THE SHADOWS OF XXXX XXXX XXXX XXXX. THEY ARE NOT REPORTING ON MY CREDIT REPORT BUT INSTEAD REPORTS DISCRETELY TO ADVANCED RESOLUTION SERVICES, XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX ( RECENTLY MERGED ) AND SENDS OUT LETTERS TO ME WHICH IS MISREPSENTATING AND IMPERSONATING AS AN ATTORNEY FOR XXXX FRAUDULENTLY TRYING TO DOUBLE DIP ON A DEBT NOT OWED TO THEM. XXXX XXXX WROTE THIS OFF DUE TO HARDSHIP AT THE TIME MY MOTHER WAS DYING AND I WAS GOING THROUGH A BAD DIVORCED AND LOST EVERYTHING.
Complaint sub-issue: Account status incorrect

XXXX XXXX/XXXX  incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted XXXX XXXX  and all three credit bureaus ( XXXX, Equifax, and XXXX  ) multiple times during the past month - XXXX XXXX has been extremely difficult to deal with. 

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with XXXX XXXX  and the collection agency to confirm that there was no outstanding balance associated with my XXXX  XXXX/XXXX  account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But XXXX XXXX  is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the XXXX XXXX  department that handles disputes. I did both, and XXXX  a letter with supporting document to XXXX XXXX  on XX/XX/XXXX. The XXXX  tracking number shows that XXXX XXXX  received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in XXXX XXXX  was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A XXXX XXXX  representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that XXXX XXXX used. 

XXXX XXXX/XXXX  is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Reporting and XXXX Account # XXXX has violated my rights. 

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

15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reason, unless the creditor has adopted reasonable procedures disgned to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Complaint sub-issue: Reporting company used your report improperly

I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. This will serve as notice of pending upcoming litigation I have been asking for. Copy of my consumer report and a freeze on my report with confirmation. Sagestream keeps mentioning credit report and my request has been for consumer reports which I am in entitled to request according to the fair credit reporting act. I have done this via certified mail on three different occasions they reviewed my mailman request they would have known. 

Sagestream is in violation of the FCRA and NJ FCRA I will seek remedy through legal means including damages for willful neglect and financial harm