milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but Equifax and   XXXX   XXXX    and  XXXX  keep reporting it. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Hello, There is a new credit reporting company now called Sage Stream, LLC based in XXXX XXXX, CA. The company offers no online dispute and wants information that they should not need to get a credit report. You have to mail them the following. Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address None of the other credit reporting agencies need information to this extreme. I have never heard of these people so i am not sending everything from my whole life to them to get a credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection from XXXX on my XXXX, XXXX and XXXX XXXX I have never had a XXXX account I have a XXXX account, this is a incorrect information due to the fair debt act signed in 2010 by President Obama, By its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). 
Upon notice from a consumer that inaccurate information has been furnished to a CRA, the creditor must conduct a " reasonable '' investigation and issue its findings within 30 days, with XXXX 15-day extension allowed. This is the same amount of time credit bureaus have to investigate and respond to a consumer dispute. I have had a fraud protection Alert. I demand who has been paying this bill because I have never had a XXXX account EVER ... I have contacted XXXX and they have no knowledge on me in their system, called the collection agency was gave a run around talked to XXXX XXXX ID XXXX that stated he could not connect me to the number I need to be transferred to, I had a XXXX rep on the phone as well she looked up the number is was a bad number he gave me a XXXX no answer the XXXX rep called another number spoke to XXXX XXXX ID XXXX, these names sound fictions, still could not pull up any information on me by my SSI number.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Credit card) with Patenaude & Felix APC (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have received 2 judgments along with garnishments against my paycheck on both of them. These were both XXXX Bank credit Cards that went into collection XX/XX/2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report shows an address in XXXX, NV. 
I have never lived there and do not even know where it is. 
How do I get this information removed please? 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: This is a supplemental complaint ( in reference to CFPB complaint number XXXX ). I just received an email from Bank of America asking me to settle the debt again. This debt was supposed to already be settled, and now this company while reporting that they are looking into the inconsistencies of my account and requesting a 60-day extension they are trying to settle the debt a second time for the remaining amount that was already settled. 

This company completely disregarded my concerns and my initial complaint and attempted a round-about way to try and obtain more money from me, money for the difference in amount of the first settlement. Additionally, this company charged off my account - after settlement for {$3800.00} less than what was previously owed. Now they are trying to settle the settlement difference, while my account is still charged-off and negatively impacting my credit score unjustly. 

My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account in dispute is Child support enforcement.This account is delinquent I am not questioning that, but it has been paid every month for 4 years in a row. I sent supporting documentation showing the payment history directly from the creditors website. Since the initial dispute they have continued to make the reporting more and more derogatory. Initially it showed 120 days late but reported the payment history. After the 1st dispute the moved it to 150 days late, after the second dispute they added a note that creditor recently located me and moved it to 180 days late. I have made on time payments for 4 years straight and again uploaded the evidence of this to Experian. This reporting needs to either be corrected to report the accurate reporting of the 4 years payment history and the insinuation that I was just recently located or it needs to be removed altogether. They are in violation of both the FCRA and FACTA. It is obvious that they are on a vendetta because I dared to dispute their inaccurate reporting. Please Help. I did try to upload the payment history on your site but the attach button is not working

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a XXXX  XXXX XXXX XXXX XXXX collection account on my credit report that has been there for over 24 years that I have tried to get removed no end. My daughter is XXXX years old I only have XXXX child and she was stolen from me when she was XXXX. The child support court order was a fake order taken to the child support office to have it enforced and I didn't know it. I had hearings with the child support office to get it removed but they wouldn't without a court order and I couldn't get a court order because there was no original court order to begin with. Its been a nightmare. The credit reporting agencies will not stop or remove the collection on my account after 24 years its ridiculous. Its ruined my life. Having my daughter stolen ruined my life I had a complete mental breakdown that I didn't recover from for 16 years. I deserve a XXXX break! My daughter was born XX/XX/XXXX, she was emancipated when she was XXXX years old and she is going to be XXXX this year. 

Also listed on my credit reports are the same debt twice just under different names. Once for the original creditor then again for the collection company. I have unbelieveable amounts 40 to be exact of credit inquiries which I didn't authorize many of them are on there from auto loans and payday advances multiple times and credit multiple times. I live on SSI I get {$500.00} I don't apply for credit. My name is misspelled on my reports for the names they have listed and they won't remove it after I disputed it. There are other social security numbers listed on my credit reports and I have absolutely no idea why I am clueless to that. I only have one social security number and I have never used any other number than the one thats mine. The reports show I owe $ 72,000+ but the accounts I do owe don't total that amount so I have no idea where they are getting that figure. I'm so sick of this. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: Created a bank account with Citibank using promo code XXXX on XX/XX/2016. I funded the account with {$30000.00} on XX/XX/2016. The promo code required to : 1. Opean Citibank Account, 2. fund the account within 30 days with a deposit of XXXX 3. maintain that XXXX balance for 30 consecutive days after the initial deposit was made. 

The promotion was for {$400.00} that would be deposited into the bank 90 days after all the criteria were met. All the criteria were met on XX/XX/2016 ( 30 days after the initial funding deposit of XXXX ). 90 days after XX/XX/2016 is XX/XX/2016. 

As of XX/XX/2016 I had not yet received any credit to my account for {$400.00}. I called the bank on XX/XX/XXXX and was told that the credit was delayed because of the holidays and that a case had been created and I would receive confirmation via Citibank 's online portal system within 48 hours that a case had been made. On XX/XX/XXXX, I had not yet received a confirmation from CitiBank so called again and created another case with employee XXXX. The case number is XXXX. After calling back to ensure the case actually existed, I was told it would take between 45 and 90 days for the investigation to occur. This is unacceptable to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: in XXXX XXXX I took out a loan for the sole purpose of increasing my XXXX XXXX. XXXX XXXX reported that my transunion score was XXXX. I received my loan, and made all payments early and have currently paid back over 80 %. I have 0 derogatory marks on my credit and a payment history on my home loan that is XXXX yrs and paid 78 % of the loan. in XXXX Transunion reduced my score XXXX points to XXXX reported on XXXX XXXX with no explanation why. It is commonly known that a score will drop when getting a new loan but this customarily well known to be similar to 10 points. I only had 1 inquiry, related to this loan, and is the only inquiry on record in many years. I have since paid this loan to over 80 % paid, but have only seen an increase of 7 points. I contacted the company on 2 occasions a few weeks ago for an explanation, even contacted the BBB and filed a complaint. The company response gave no answer as why the large decline and only offered every generic explanation that no one individual could possibly explain why the decline. The BBB closed the case. I might add that during this same time XXXX increased my credit score in XXXX by XXXX points with no decline. By taking out a loan to improve my score, Transunion has reduced my score by XXXX points bringing me from a good rating to a mid fair rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TX).
Issue: Settlement process and costs

Complaint: This XXXX refinance transaction is troubling. First of all, I specifically told the lender that I would like to refinance my payoff balance. Then I had a processor negotiating how much to refinance based off what I thought I owed US Bank. She first put {$94000.00} as I was n't sure. Then she put {$87000.00} when my payoff was around {$86000.00}. I do not understand. 

Another issue is that I had an escrow shortage of {$1100.00}, so I made an additional payment into escrow in the amount of {$1100.00}. I was advised last week by the processor that I would not need to bring any monies to closing. Then a closing manager contacted me on Friday telling me that I need to bring over {$1900.00} to closing. She also says my payoff has increased to over {$88000.00}. I do not understand. She told me that if I did n't agree, we would n't close until next year. I agreed as I would n't consent to this tactic. My loan officer was out of the office on XXXX XXXX. My closing was anticipated for XXXX XXXX. 

I find something unethical about this transaction. First of all, they waited until the last moment to drop the final number to pay. Why would I need to pay when I paid the escrow shortage? They also increased my interest rate from XXXX to 5 % to including my closing costs. I feel as if I 'm getting ripped off. 

The amount financed should not be negotiable. I 'm not requesting extra money. It seems as if the lender is trying to increase the amount finance and loan costs. 

Could you please investigate this transaction? I will attempt to obtain the documents I received last week showing the new numbers and the amount they are requiring. 

I also filed a complaint with the XXXX program requesting an investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with United Check Recovery Bureau, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from United Check Recovery Bureau, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX XXXX XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up XXXX '' The collector also called me at my office. He then disclosed he was calling about " XXXX XXXX. '' He stated the balance that he said that I owe telling me it was charged off in XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received communication from XXXX XXXX associates about an amount they claim I owe of {$2400.00}. The letter was dated XX/XX/2017 and XX/XX/2017, to establish the debt was validated. In the letter, I received a billing statement. A billing statement does not show a binding contract. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: After attending XXXX XXXX and graduating in XX/XX/XXXX, my student loans have doubled in what is owed. Every payment that has been made has gone towards interest. I have made payments and kept up to date on my debt. However, my payment has recently doubled as part of a graduated payment plan. I can not afford {$400.00} a month to keep my account current and I am afraid I will not be able to continue making payments. When I called for assistance, I was told that there are no other options available to help me. I WANT to remain current on my payment plan, but I can not afford payments that are half of a paycheck. I want to pay my loans off, but my loan servicer will not work with me to make that possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade allowed XXXX XXXX customers to have their personal information exposed in a database breach because Scottrade ignored warnings of cybersecurity incompetence and failed to encrypt any data. 

I personally submitted to Scottrade and the SEC instructions and detailed information about how their security procedures were inadequate. Specifically, the insecure databases and unencrypted authentication information. 

I would now like to report failures of Scottrade in regards to money controls, money transfers, and XXXX deficiencies. Specifically, if you review the attached, Scottrade has no effective policies to prevent money laundering or flag highly suspicious transactions, thus it is very easy to use Scottrade to launder and transfer enormous amounts of illicit money. 

I kindly request the CFPB and Scottrade review the attached. It would be unfortunate for Scottrade to once again ignore tips of failed security techniques and once again leave customers vulnerable.

Company response to consumer: Closed
Consumer complaint received 03/31/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Delinquent account

Complaint: I had a credit card with USAA bank and defaulted on the card. I called USAA bank to settle and they told me that I cant because they wrote it off as bad debt and they sent me a XXXX back in 2013. They sent it to an old address.I requested a copy but they still are reporting a balance on all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation