milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but XXXX and Transunion is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND XXXX XXXX.

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 11/27/2017 about Debt collection (Medical debt) with Asset Recovery Inc (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am XXXX XXXX and XXXX. I was sent a letter from the medical company for a bill that was from XX/XX/XXXX. I responded with a letter ( XX/XX/XXXX or XX/XX/XXXX ) stating that I believed I had already Pais this debt, asking for proof. I heard nothing back from he medical facility. 

I received a letter in XX/XX/XXXX from a debt recovery firm claiming that I owed this debt. I called them and spoke to a young woman who was very accommodating I explained that I thought the debt was paid and panicked because I just moved and my files are not yet organized. I was sure I paid this debt and was concerned about it going onto my credit report. She said not to worry, she would request the appropriate proof from he medical facility and then get back to me. I reiterated that I was concerned about them placing it into my credit file and she reassured me that they would not do this because I was communicating. She was going to get back to me regarding the medical facilities invoicing. 

I received an alert on my credit report XX/XX/XXXX that they had reported this debt without any communication as I was promised. I received a letter from them the day after this was reported with no documentation of the charges, payments, etc just stating that I owed them this amount $ {$470.00}.

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 08/18/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Once again upon reviewing my credit report I noticed accounts from ARS placed. I have NEVER received any information written nor phone calls about this alleged debt until after I asked for validation. I have NEVER been aware of this alleged debt until I pulled my credit reports this year. I mailed validation letters twice via certified mail on XX/XX/XXXX and have received no reply to them according to my request. Under the FDCPA I have a right to debt validation. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. I have asked of ARS multiple times to allow ME to validate the alleged debt by doing the following : 1 ] Sending me a detailed breakdown of fees and any collection costs and medical charges.
2 ] Sending me a copy of my signature with the provider of service to release my medical information to ARS.
3 ] Sending me FULL DOCUMENTATION of what was received from the provider of service.
To this date I have NOT received any of the requested information above. I have only to this date keep receiving the same statements on ARSs letterhead that could belong to anyone and is NOT ... I repeat the ARS letterhead statements are NOT validation and can NOT and does NOT serve as proof that I owe this alleged debt. Reporting information to the credit bureaus that has NOT been validated is indeed a violation and ARS is violating the law. ARS is refusing to validate the alleged debt by not complying to my request as once again I am legally allowed to request validation. ARS must permanently cease and desist any credit bureau reporting of this alleged debt.

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 03/30/2016 about Debt collection (I do not know) with Accelerated Receivables Management, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Caller failed to idenify themselves or that they attempting collect a debt and said that it 's not on them, nothing will happen to them only to my husband who has by the way already filed Bankruptcy I told them he was under bankruptcy protection and they said they did n't care.

Company response to consumer: Untimely response
Consumer complaint received 08-10-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (DC).
Issue: Managing, opening, or closing account

Complaint: XX/XX/XXXX I attempted to open an " American Express for XXXX '' prepaid card. During the initial opening, the address on my drivers license differs from my current address. The verification process failed and the card was closed. Unfortunately, I loaded the card with {$500.00} dollars during the initial sign up. To complicate matters, I used XXXX different credit cards to load this {$500.00} dollars, of which only XXXX is currently active. I have called and spoke with customer service XXXX a XXXX times since XX/XX/XXXX and have spent hours on the phone attempting to resolve. Each time I have been told I will receive a refund to the credit card still active. I have yet to receive any funds. American Express has held my {$500.00} dollar 6 months and I am beginning to feel as if I will never receive a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent experian info regarding the account by XXXX that payment was paid in full, but the account is still on my credit report i have disputed this many times.

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 05-12-2017 about Debt collection (Medical debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Tried to resolve this in  2015 .   XXXX   company charged amounts that were not allowed by my insurance. Sent them to collections, when collections called I sent them   XXXX   XXXX   and wrote a letter explaining that the amount charged was not what I owed.  Made  payments for what I owed. Mailed them a letter, mailed radiology company a letter with copies of    XXXX  .  They made an adjustment but the wrong amount, called back and spoke to   XXXX   company told they would handle. Told collection agency. Had insurance company call   XXXX   company and had them call the collection agency. Collection agency still refuses to do anything until   XXXX   company says so but still reports incorrect information on my credit. Has been for 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I made a request for XXXX to remove the credit inquiry from my equifax credit report and XXXX agreed to send a request to equifax to suppress the inquiry so that it will not appear on my credit report or be used in the calculation of my credit score, however equifax has not removed the inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian fails to indemify identity theft accounts by placing a block on those accounts in accordance to the FCRA section 605 ( b )

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 08/28/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: SUNTRUST BANK IS PLAYING SILLY GAMES, THEY CLAIM I OWE THEM SOMETHING, THEN WHEN I CALL THEY WANT TO RECORD ME, THEN I SAY I AM RECORDING THEM, AND THEN THEY HANG UP ON ME, THE LOCATION OF THE BANK XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, I WENT TO THEY SAID I HAD AN ALLEGED DEBT, I THEN CALL THE PHONE NUMBER AND THEY PLAY THIER SILLY GAMES, SEND ME A 'BILL ' NOT A STATEMENT I SAY, 'BILL ' A STATEMENT SHOWS WHAT WAS OWED AND HAS BEEN PAID, SHOW ME PROOF OF VALID DEBT,

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 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OK).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX at XXXX PDT I sent an email to Coinbase asking why they never received a Litecoin transfer. 
On XX/XX/XXXX at XXXX PDT I received an follow up email from Coinbase XXXX 
On XX/XX/XXXX at XXXX PDT I responded letting them know that I was scammed buy a fraudulent web site and I resolved my issue. 
On XX/XX/XXXX at XXXX PDT Coinbase responded with an email saying they disabled my account on the same day a wire transfer went through into my account with them of the amount of {$400.00}. 
On XX/XX/XXXX at XXXX PDT I responded via email that they did not have to disable my account because the issue was resolved. 
On XX/XX/XXXX at XXXX PDT Coinbase response : Hi there, Thanks for your reply. We are trying to understand your initial claim of unauthorized activity regarding a phishing attack. 
The initial 2LTC deposited to your account were sent externally from an XXXX device. Can you confirm the date and amount of the unauthorized send? The same device was recently used in connection with your account. Can you please provide us with the URL of the website that you visited so that we can investigate further? 
Please note that your account will remain disabled until our investigation has concluded. You are solely responsible for the security of your devices, email, passwords, and 2fa codes. 
Thank you. 
Coinbase Support On XX/XX/XXXX at XXXX PDT I responded to Coinbase with the information they wanted. 
On XX/XX/XXXX at XXXX PDT I had not received a response. I sent an email asking if they received my email. 
On XX/XX/XXXX at XXXX PDT I sent an email asking Coinbase to refund my money. 
On XX/XX/XXXX at XXXX PDT I called Coinbase customer support and they said my work order was closed. They reopened the work order and put my work order at the end of the que. 
On XX/XX/XXXX at XXXX PDT I received an email from the email I sent on XX/XX/XXXX at  XXXX PDT asking me to reply with a statement. 
On XX/XX/XXXX at XXXX PDT I replied with the following : I believe my devices, email account, and 2FA applications are secure, please enable my account. 
Today XX/XX/XXXX at XXXX PDT I have not heard back from Coinbase . All I want is my money back. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I just received an ameratization statement and it showed an among due of {$4800.00}! I immediately telephoned and received differences in amounts due either by automated and person. Finally asked for supervisor and received more different figures, told to call my bank and trace the payments, did that and all payments show being made to the mortgage, none returned. Telephone the mortgage company OCWEN with response from bank and giving them the 'dates and amounts of the payments ) and they ca n't tell me anything other than the money was returned, we did n't have permission to make XXXX payments, and they ca n't override their system to accept any payment other than {$4800.00}, due to the account is more than 87 days delinquent, yet now at the end of the call they want another {$2900.00} for a shortage in the escrow!! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I joined XXXX in XX/XX/XXXX and paid about $120 for their business account. I was told that if I didn't use the account that year, they would refund my purchase price. I did not realize I had also signed up for a Citibank Visa card who automatically proceeded to bill me for the next year (XX/XX/XXXX) for the same amount. I was out of town when the bill came and when I returned, I immediately went down to XXXX  and talked with the manager. After a couple of visits, he refunded the money I had paid in XX/XX/XXXX and I put that money into my checking account. He indicated that I didn't owe them anything as I did not renew any type of membership.I have not been able to convince Citibank that I don't owe them anything and have tried NUMEROUS TIMES to get this straightened out over the phone. To no avail! They believe I owe them (see attached bill). I cut up the credit card and the XXXX card in XXXX, I think, and returned them.I would like to get another XXXX account, but don't want another credit card, either. This needs to be straightened out before I even try to do that.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.

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 11/22/2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Advertising and marketing

Complaint: CHASE SLATE sends an advertisement to cardholders claiming they can view their XXXX score by going on line. In order to get the score the cardholder must sign-up for an online account and give their Social Security number. No SS number, no signing up. Maybe CHASE should consider sending the score along with their bill, like XXXX does, instead of forcing customers to make it easier for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with 3rd Generation, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX There is a vehicle repossession from California Auto Finance and a the collection from the repossession from the repo from XXXX on my credit report. I disputed the information bureaus. The XXXX account was deleted from the XXXX and XXXX but remained on XXXX. The collection from XXXX that is from the repo was still reporting with all 3 bureaus. After the credit bureaus claimed to have verified the debt. I sent a letter Certified Mail with Return Reciept to the car dealership, XXXX were the veheicle was purchased, to California Auto Finance and XXXX, requesting that they Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Only XXXX responded with a hand rewritten note stating " the original creditor advises they did not repo the vechile so there are no documents to be sent ''. XXXX continued to leave " not able to contact debtor on the comment section on my credit report after they contacted me with a hand written letter. California Auto Finance amd XXXX failed to respond to my request. Since XXXX failed to reply and provide with any documentation, feel that the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

After no responds I sent a letter to the credit bureaus notifying them that I personally reached out to the California Auto finance and XXXX requesting documentation to validate them reporting on my credit and neither company was able to provided me with the documentation that I requested, but the accounts still come back as verified and California Auto finance has changed account status from repossession to charge off and XXXX removed their comment stating that they were not able to find the debtor " me ''. 

I believe neither company has the proper paper work to for this account and want the information removed from my credit report. I will upload all of the documents that I have mentioned. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.

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