milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a bank account with JP Morgan Chase from which I sent a wire transfer to my aunt in XXXX XXXX of {XXXX}, this was on XXXX and was waiting at least a couple of days for the transfer to her, little did I realize when I tried to login to my account later on that Chase places a block on my account granted that I satisfied all the security measures online and verified the funds transfer. While attempting to login I thought I had my password wrong so I tried to reset it and that is when i found out that my account was blocked online so called Chase and after verifying all sorts of personal information over the phone and verifying to them that this transfer was made by me personally online htey transfered me to a security specialist as they stated to help me get access to my account online all I enocuntered was rejections to help me over the phone, the individual told me that I would have to go in person to the bank wich was not possible for me due to my work schedule, also the nearest bank to me is 6 - 7 miles from my home and I do n't have time during the week the only day I could go in person is on XXXX and I explaied to him the reason for the wire transfer as a humanitarian attemtp to help my aunt in P.R. not some third world county around the world. I hung up because I was not going anywhere with the guy, I called a few hours later when I got home just to have another session of security questions and meet with the same reuslt which also meant me that I ca n't access my account or my funds untill I go to a branch, today XXXX I went to the branch on XXXX XXXX in from of XXXX and found ot the bank is closed due to the holiday on XXXX which means that if I ca n't go to a branch untill I have the time to do so on XXXX this is going to put me two weeks without access to the account and the {XXXX} that I sent to my aunt in P.R. never went thorugh either.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Pursuant to the FCRA it is the responsibility of the credit reporting agency to police the use of the ability to allow anyone to obtain access to my credit report without my written permission. Request hard injury to be removed immediately, Also I feel credit reporting agency do a better job of policing the use of credit access from agencies that abuse there authority

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 08-03-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Kohl 's corporate office has called repeatedly ( up to 5 times a day, daily ), and as late as XXXX after I have asked them not to call after XXXX due to the fact that I have XXXX young children, at least XXXX is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Other mortgage) with Servis One, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice of intent to collect a debt from BSI Financial Services and when I mailed my dispute along with my debt validation, and qualified written request they refused to comply. They keep sending me payoff letters stating they are attempting to collect a debt. I requested them to validate the debt which they have n't done. They have only responded with letters stating they are attempting to collect a debt. I have attached copies of the letters sent to their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing LLC took over my loan. They have ignored documents that i faxed to them regarding property insurance and have started charging me an escrow fee for insurance. This loan was previous serviced by two other companies, neither of which charged me any fees. When i try to contact Specialized to get this dropped i get run around.

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 12/16/2015 about Debt collection (Medical) with Capio Partners, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Capio Partners is reporting to the credit bureaus that I have medical debts that were opened up on XXXX XXXX, 2015 which the date of service that I needed medical attention happened years ago. First, I do not have any knowledge of receiving notification of these debts and who are asking for payment. Second, they are reporting the debt to credit bureaus with a recent collection date making the FICO scores drop because the system think that this is a new collection instead of reporting the date as to the last date of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Transaction issue

Complaint: I went to pay my American Express ( AE ) Credit card balanceon XXXX XXXX. I auto paid my balance for the last 5-6 years. 
using my XXXX account. I gave them instructions to use XXXX account for a payment of {$2100.00}. 

On XXXX XXXX I received a notice from AE my bank rejected the payment. 
I checked the money was still in my XXXX account. 

I recently moved from XXXX to XXXX. I found out XXXX does not have any branches in XXXX. I did not have enough money in my XXXX account to settle the amount owed. My XXXX XXXX got a bank check from XXXX to cover the balance. I have never done any business with XXXX.She mailed in a check to American Express. The check cleared the XXXX payment. 

What I found out next shocked me. American Express did not use my XXXX account in XXXX as requested but instead just took the account info from the XXXX Check deposited in XXXX and sent that info in for payment.Of course it was rejected. 

This is illegal and was certainly not authorized by me. When I called American Express for an answer. They told me I did tell them to use XXXX but there was no record of that account after 6 years of use. 

Their supervisor XXXX was most very condescending when speaking to me and lied through he teeth about where the new info came from. 
to protect his XXXX. 

Some one put that false info in for whatever, who knows? Their employees need more sensitivity training. I feel American Express should be severely fined and I should be awarded a small sum for all their abuse and time spent fixing the problem. 
training.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Medical) with APEX Asset Management, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a copy of my credit report after XXXX. I noticed accounts which I am uncertain of and began filing disputes especially for dates I was XXXX. Apex is a debt which I do not believe I owe and when looking for validation nothing was provided but paperwork, nothing included my signature our anything just documents they prepare. So now I am sending the following letter enclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apex Asset Management XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 Dear Apex, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Apex in the amount of XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, 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 allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX continues billing me for a debt that is not mine. I had shut down services and moved and have proof of it, yet they continued billing me. Now they have a debt collector after me even though I have sent the collector a certified letter to stop contacting me, yet they continue to. 

They reported negative report on my credit that has harmed my credit rating without proving the debt is mine, I have asked them to remove the negative report, they ignore me. 

They have called my family, revealing they were a debt company looking for me because I was visiting my family when they did so, which is in violation of my rights. They have violated several debt collection practices, and hurt my family relations as well as my credit. They ignore my letters, which, by law, they were to have stopped sending me collection bills. They obviously think they 're above the law or no one knows their rights. 

I have been harassed for 10 years regarding a debt that is not mine, and is also in violation of debt collection practices because there is a 6 year statute of limitations on debt collection in Massachusetts. They have hurt my credit score for years now, and I want restitution for the damages they 've done to me! 

They fail to obey every aspect of Fair Debt Collection laws, disregarding letters and time limits to collect debts. I hope the FTC will be able to do something to them that I can not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and I am listed in the alumni directory as simply XXXX. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 

Yesterday, this request for Special Deposit checking and saving was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, knownn as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 filed a Dispute with Equifax, Dispute number  XXXX . This dispute came back to me as resolved pertaining  XXXX  agencies I filed on. Both have been removed from my credit report as you can see on the attached results from Equifax. I was pleased. Then recently in a updated credit report, this item that was investigated and removed from my report ended up being placed back onto my report. This is getting really irritating. How can you investigate and have this  XXXX   XXXX  collection removed and then in a month have it added back again? I think this reporting bureau should lose their right to credit reporting. I have circled in red the disputed action taken from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This account from XXXX and XXXX is more than 7 years old. I requested they remove it or show me proof of the debt and they just told me it was verified. No proof was given.

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 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I first rec 'd a statement from both XXXX and Hunter Warfield stating that my owned balance was {$580.00} ... statement date XXXX/XXXX/15 from XXXX and XXXX/XXXX/15 from Hunter Warfield ... Now they ( Hunter Warfield ) saying that the balance is {$640.00} which is a difference of {$59.00} ... No explanation given at all. 
How is it that I receive XXXX statement and then turned over to collection less than 4 days later? The problem is that I was never given a chance to review, confirm or dispute their charges ... What happened to the 30 days I am allowed to dispute or pay and the other statements I should have rec 'd from XXXX XXXX XXXX XXXX XXXX which is owned XXXX XXXX XXXX XXXX? The 30 days was allowed in the letter dated XXXX/XXXX/15 but not extend to me and now being asked to pay a different amount than from the beginning ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I submitted a request to update my current information and have ALL other inaccurate personal information to be removed to Equifax , like inaccurate phone numbers, variations of my name and addresses that are incorrect. They are refusing to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a XXXX XXXX Secured XXXX. The Card was opened XX/XX/XXXX. I put down a {$150.00} Security Deposit towards the secured card. XX/XX/XXXX I was 120 days late and owed {$160.00} XX/XX/XXXX. Without any notice XXXX XXXX applied my security deposit towards the balance of my account XX/XX/XXXX. XX/XX/XXXX I logged into my online account and made the required minimum payment due of {$160.00}. XXXX XXXX did not tell me my account was closed or that the security deposit was applied to the balance. XX/XX/XXXX the balance was XXXX. XXXX XXXX sold this account to Portfolio Recovery Associates. I have disputed this debt with XXXX XXXX, PRA, and all XXXX credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by XXXX XXXX and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that XX/XX/XXXX I was 150 days late when XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off XX/XX/XXXX despite the fact the account was brought current XX/XX/XXXX. XXXX XXXX and PRA refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hi I was living in an  XXXX    XXXX   XXXX   in California from  XXXX   XXXX  to  XXXX   XXXX  and at the end date of my lease i got a complete billing from the apartment that i owe them for the maintenance and all other charges that are need to pay. Once i received my final billing complete amount has be paid. I am still getting calls from  I.Q Data international INC collection agency that i need to pay them  another  XXXX   . I h ave requested many times the collection agency that all the amount has been paid and i even sent them the documents. They are not listing to me and asking me to pay the debt that i do n't owe them since final amount has already been paid. And they put this in collections which is effecting my credit history.No action has been taken by the company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My permanent mailing address changed 5 months ago. 5 months ago I verified with all my creditors that report account status of that address change. I have followed up with each one twice and they assure me they are reporting my current address. I have requested by direct communication with Experian to remove addresses which are not mine. 

MY CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Any other addresses need to be removed. I have verified with all my creditors they are reporting my information with my current address : XXXX XXXX, XXXX, TX XXXX. 

XXXX and XXXX both updated my information with my current address, expunging any other addresses previously listed. 

Experian is the only company that will not comply, and also they have very incompetent customer service agents in XXXX, or the XXXX that do no not communicate clearly. Besides being very difficult to communicate with, they are mindless script readers who can do nothing if its not on their teleprompters.

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