milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a an unvalidated and unverified account from CHOICE RECOVERY XXXX, XXXX. I have previously disputed this account several times. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I never received a letter stating I owed nor that I had a right to dispute. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements verbally allegedly related to this debt and currently being illegally reported to the credit bureaus ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether CHOICE RECOVERY purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and COLLECTION ( deleting from all credit bureaus immediately as law requires ) actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Equifax has refused to properly investigate  XXXX  ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 'm not sure if this is the same debt that was tried to collect from agency XXXX XXXX XXXX a few months ago I think it is an the debt is not mine it was opened online I sent in paperwork to show that my identity had been stolen as well as proof the account they had deposited the money in was not mine. I have no contract or agreement with XXXX XXXX XXXX or the current owner ( National Credit Adjusters ) of this account I 've requested information with my signature along with any other documents they provided nothing. This account was sold by the original owner cause they could prove this was my account by that being done the original creditor sold the debt to this agency so they forfeited their rights to collect any money from me. They need to remove this from my credit reports right a way an stop selling the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OR).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I opened a credit card with  Barclay 's ba nk and was sent a credit card. They refuse to send me a bill so I can make a payment, or they are sending my bill to a different address. Because I am not getting a bill, they say I 'm late and continue to charge a {$37.00} late fee. I tried to contact them several times and I have yet to hear a word from them. They are charging me late fee 's for a bill I never get!

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In XX/XX/2017 I pulled all 3 credit bureau consumer credit reports this is when I became aware of the derogatory XXXX XXXX account being reported on my Experian credit report. I submitted a dispute in writing to Experian and XXXX XXXX. Experian responded via mail that the account had been verified and was accurate, XXXX XXXX never responded and to date has not. This is now over a year later and I continue to dispute this derogatory reporting with Experian and have made multiple attempts via written notice of my dispute. Experian sent a written notification to me " REFUSING '' to reinvestigate my claim. Experian is violating The Fair Credit Reporting Act ( FCRA ) by refusing to reinvestigate my dispute of the validity of this account. Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete, and represents a reporting error. My next step is to file a small claims action against Experian.

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 11/30/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received an email account status alert from American Express about my platinum card that has a XXXX balance demanding payment. Email mentioned below. 

Dear XXXX XXXX : You have another American Express ( R ) Account which is impacting our credit decisions on the account referenced below. 

Please be aware that new charges may be declined on the account ( s ) listed within the Account Summary section and any other card products associated with this account ( s ) ; and ( if applicable ) you should advise any additional Card Member ( s ) that their new charges may also be declined. 

Make a payment on your other American Express ( R ) Account so that the account is paid up-to-date. 

We offer several convenient ways to make a payment : Online - You can make immediate or scheduled payments online at americanexpress.com/pbc By Phone - Call us anytime at XXXX ( XXXX ) AutoPay - To help you pay on time in the future, enroll in AutoPay to schedule ongoing automatic payments at americanexpress.com/autopay Mobile ( Card Products Only ) - Download our mobile app or visit americanexpress.com using your smart phone or tablet Sincerely, American Express Account Services Account Summary Account Ending : Total Due : Platinum Card ( R ) {$0.00} American Express ( R ) online customers may receive this notice at both their mailing and email addresses. 

Contact Customer Service | View Our Privacy Statement | Add Us to Your Address Book This is a customer service e-mail from American Express. Using the spam/junk mail function may not block servicing messages from being sent to your email account. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us securely via customer service. 

Copyright 2016 American Express. All rights reserved. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/2018 I found that my Capital Once credit card account was canceled by the issuer. This happens to be one of my oldest accounts so this was detrimental to my credit score. On XX/XX/XXXX at about XXXX XXXX, I called Capital One 's support number and asked for the account to be reinstated and was informed that they could not do so, because the card had not been used for 36 months. I received no notification of the cancellation and wold like the account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that Navient has not reported any updates on my credit reports, XXXX, XXXX  and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the CBR issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that Navient only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Student loan (Federal student loan servicing) with MOHELA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: US Department of Education and Mohela both have the same student loans listed on my account # XXXX over 10 times. All for various amounts! I find this to be very deceptive and a violation of the FDCPA as reporting the same loan multiple times going back as over 16 years to keep this on my credit reports is not fair or ethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with CITIBANK, N.A. (TN).
Issue: Closing/Cancelling account

Complaint: My ex-wife made me an authorized user on her credit card accounts without my knowledge. Once our divorce was finalized, she agreed to the conditions that the judge approved. She was directed to remove me from her accounts and to not put me down as a authorized user again and to not apply for anymore credit cards in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I first discovered I was a victim of ID theft after my wife XXXX XXXX 8 years ago. I filed a police report, and went to court, and have been fighting all 3 of the major credit bureaus since. XXXX and XXXX have cleared the negative items from my files with them. Equifax refuses to talk with me, every time I call I get transferred 2 or 3 times and end up with a special department called consumer affairs, office of the president. 
I never get respect, i never get results. The items i have gotten removed, did not come from equifax 's help, it was in spite of them. Their investigations are ridiculously deficient, they do not ask for internal documents of the company, to see what original information was in these fraud accounts, they allow the companies to change information to match my information today, not when the account was fraudulently opened. The FCRA section 605B, is very clear on what i as a consumer need to do, 4 parts for me, and then, how the credit bureaus are to act after they get the 4 parts from me. 
Equifax has never acted according to the law, they in fact break the law. 
I have submitted proof of my identity, a copy of the ID theft report, i named and identified the fraud items and made the statement i did not open the fraud accounts nor derive any benefits from them. 
I am providing all 4 parts to the CFPB again, to turn over to EQUIFAX, and see if they block these accounts according to the law already named in 4 business days or less, or break the law as they have in the past with lies and their own illegal policies that are against the law. 
I am hoping the CFPB can make equifax obey the law or suffer penalties. 
Do not allow them to claim my police report is out of date, the law DOES NOT require any dates in the ID theft report. The report can be 30 years old and be valid to use today, because you are still a victim and no new report be filed. 
The law, section 605B of the FCRA, allows a credit reporting agency to ADD BACK INFORMATION AFTER THEY BLOCK IT FIRST IN 4 BUSINESS DAYS OR LESS, if they find i provided materially false info to get the block, or that i did open the account in reality, not their thinking it. 
Demand equifax to block all this fraud info in 4 days or less, or suffer penalties for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX 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. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid XX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :

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 07/20/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 a transaction occurred on my checking account that was completely unauthorized. {$2500.00} was debited from a business that had my card information. I called TD Bank immediately and spent the better part of XXXX hours trying to get through to someone who could put a hold on the transaction, as it was currently " processing ''. I was told by multiple persons, in multiple departments that although every other bank can process a typical " stop payment '' that TD was unable to do so, and I would have to wait until the transaction processed in order to proceed with any kind of reversal. The merchant has no receipt, no invoice, no signature, no verification whatsoever of the transaction, refuses to answer my calls, and TD Bank has refused to do any legitimate investigation and get my money returned, though I provided a full account email to them, faxed verification, and was told within hours of submitting all my information that they were not interested in helping, and that I would have to contact the merchant. The same merchant who will not respond, and this has put me on par with being told the house break-in victim has to contact the burglar.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Auto debt) with Velocity Portfolio Group (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XX/XX/2018, {$8000.00} .... the third party company I do have any contract with them or original debt with them sent out i letter certified accident them for proof of validation also the copy of the original debt also with a copy of my driver 's license and my social security card ... they did not validate the debt by sending me my copy of my driver 's license and my social security license not the numbers the actual copy of the driver 's license and a social security card bylaw t-post to send me this information but I haven't received that and the document they sent to me had the wrong signature on it.. I tried to call them and ask them for the copies first they ended the call I called back to speak to a supervisor the supervisor very rude and did not listen to anything I was saying.. then she threatened me to send this to her lawyer. Also I sent them two letters certified so it's been 60 days they have not provided me with anything but a contract with the wrong signature

Company response to consumer: Untimely response
Consumer complaint received 09-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Old debt reported by Equifax recently is older than 7 years and should be removed. Debt is XXXX in the amount of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CO).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I called Paypal Credit in XXXX after I got my statement that said my account was closed. They are presently pretending that they do not have that call at all. 

I spoke to XXXX and XXXX who is a supervisor. 

I asked for a way to pay this via a settlement and time to pay. I was told that they couldnt do it because the account was only 132 days past due as it XXXX XXXX, XXXX even though it was closed.They call it past due because I did not pay ALL of the balance owed. I was making small consistent payments each month. 

I have NOT had any other correspondences from Paypal Credit since that last statement in XXXX, I think. Neither by phone, email or snail mail. 
They told me back then I could pay on that same day I called them in XXXX and pay 70 % of the balance, and I said to them if I could pay you that much I would not be asking for a plan. 
Now I am able to pay them some money, and I see that I have no option to pay I call them. I am told its charged off. Why didnt I have any correspondence from you? They claim that Itold them to call after XXXX XXXX. I am XXXX and If I did say call me after XXXX, they must have converted the time to central which would have been my XXXX and their XXXX. So to make it look like I was I bad, they put down XXXX. I never said they couldnt write or email. I still get email from them offering me a credit card. As recent as this week. 
XXXX to whom I spoke this morning, told me he would give me the number to the collection agency that they sent it to after I told him I did not get anything from anyone to say I have a charged off account. 
Why would I call a collection agency who had not contacted me? And why would I do that knowing that Paypal Credit has not contacted me in anyway to tell me my account was charged off and that they were sending it to a particular company to collect?
I would like to pay my balance with Paypal Credit. And I would like to have the opportunity to pay using a plan because I asked for it before hand was told it was too soon and immediately after they charged it off and sent it away it seemed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I notice in may if this your about all the inquiries kept coming on to my credit report i didnt authorize starting in XXXX I sent them all types of proof I called over and over and then now its has been a security breach with them

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 07/28/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: An amount of 1000 + dollars was added to my credit report last week, driving my credit score down XXXX points Company was Stellar Recovery XXXX XXXX XXXX, XXXX, XXXX Utah or Montana. It supposedly started from XXXX XXXX XXXX ans I can not find them on web except in XXXX XXXX VA Never lived or even been there. Tried to call the company Stellar ... ..Busy busy busy. Tried their web suite to open complaint. Web does not allow form to be filled out. When in XXXX, VA up to XXXX 2014, XXXX was our cable provider but all boxes and last bill was paid, in fact to my best memory over paid

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