milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Debt collection (Medical debt) with Account Recovery Services, Inc. (Texas) (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a debt for services received from XXXX XXXX here in XXXX. Debt amount is {$2000.00}. I had been going back and forth with the hospital and my insurance company and why more was not covered. The hospital insured me my account would not be sent to collection while we figured out the problem. I checked my Credit report the other day and I have an outstanding debt with XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for the amount above. It shows the account was opened XXXX XXXX, 2017. 

I have not been contacted by this debt collector phone or mail to tell me this was turned over to them. This has drastically hurt my credit score and am very upset I was not notified by either party, Hospital or debt collection agency. 

I do not have any Documentation from either the Hospital since the dispute with insurance began or from the Collection Agency at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I ordered a internet connection to a company but then i suddenly changed my mind about it so i called and told them that i dont want it anymore. They said on the phone okay just mail is back the router and you dont have to pay anything because you 're in the 30 day money back guarantee policy. I mailed them back the router the next day then after two months i got an email that they say i owe them XXXX XXXX So i contacted costumer services talked it about them and they said just wait for the revised bill. I waited no email came for 8 months. I thought it was settled but then i got a mail from central credit that i owe something from them. So i called central credit, i disputed the claim but then its been months and they still didnt pulled back the claim that i owe that company and kept saying there waiting for there response because i gave them email proof that i talked to a costumer service and the representative stated there that i dont have to pay anything because im in the 30 days money back guarantee.

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 08-08-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: Hi I have applied for a loan and was denied. 
Upon further investigation we found a damaging piece of information on my credit report. 
It was a chase credit card charge off from almost 7 years ago. 
First I disputed the item with all XXXX credit bureaus but didnt get anywhere because they claimed chase verified that it is my account. 
I immediately called chase to see whats going on. 
after spending over an hour being transferred from XXXX rep to another and no one was able to find any concrete info on this card, I was transferred to a department they called XXXX '' and the rep XXXX XXXX XXXX clearly stated that she does not see any concrete info. No signed contract or application. No payment history. No canceled checks. the only thing she told me was sorry but its too old of an account to have all those records!!! 
Another important note, on that account she did find an associated address in XXXX NJ, where I never in my entire life lived, further pointing towards fraud. 
I asked her nicely to remove it immediately from my credit report since it is reporting illegally but she told me she cant do it over the phone. 
So now I am stuck with a bad credit score because chase is reporting a case they cant even verify that it belongs to me! 
Thanks and looking forward to resolve this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or notic e of foreclosure. However, my credit report shows I 'm delinquent.

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 01/27/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I've had repeated issues with Navient- harassing telephone calls, charging late fees without notifying me, not being flexible with my repayment options ; and forcing me into forbearance multiple times. I've entered into an income repayment plan with the government and even consolidated my loans with XXXX XXXX to get out from under Navient. I don't have the exact dates and all the times i've tried to reason with Navient ; because they're excessive. I can provide an account statement. Technically I don't have to pay them because i'm a graduate student. Not to mention, i'm XXXX and my parents ( co-signers ) filed for bankruptcy. ALL of this, i've tried to tell the company. I don't have an income- and as i've been trying to explain to them multiple times, I can't afford the payments, am sick of being forced into paying fees for deferment ... .etc

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (I do not know) with The CMI Group, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a {$37.00} debt to a company called XXXX XXXX and is in collections by Credit Management? Or what ever it is. I have been trying to contact a XXXX XXXX in XXXX Mt. but phones have been disconnected and I have tried to find the name of the collection agency on the internet ... and???? What is going on? I have never used XXXX XXXX and do not know what services they even provide!!!! Some one please let me know ... It is only {$37.00} and I will pay it if I know what the bill is for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Applied for loan/did not receive money

Complaint: I applied for a small short-term loan via Speedy Cash in California. In CA, I know there is a law that as a state citizen, I am entitled to a short term loan via a loan provider regardless of my credit score ( XXXX ). But as I keep getting pre-approved from Speedy Cash, they keep denying me and keep putting dents in my credit report.

Company response to consumer: Closed
Consumer complaint received 10/31/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MA).
Issue: Managing the loan or lease

Complaint: Took out a car loan in XXXX with CPS. Car was paid off in XXXX and I relieved the title to my car. Upon looking at my credit reports in XXXX this year, they were reporting the status of this loan as charged off/collections and settled in full. I attempted by phone and by certified mail to correct this matter. I asked for proof that this was settled in full and not paid in full. Also asked for proof of the charge off/collections since this was news to me. As far as I knew, this loan was paid off normally. No charge off, no collections and not settled in full. On XXXX/XXXX/XXXX they sent a letter back to me stating that what they are reporting is accurate and supplied an account ledger of the payment history and a copy of the loan contract. Nowhere did they include my what I requested which was the proof of the charge off/collections and when did this take place. I also asked about a settlement that CPS was involved with that stated they were overcharging its customers and that they were to compensate people that had loans with them during the time of my loan due to the settlement they reached. I saw no compensation and again they brushed off my question. CPS is under the impression that I am disputing the validly of this past debt which I 'm not. I 'm disputing how they are reporting inaccurate information yet feel like they do not have to answer to how they report erroneous items. My car was paid in full and was never charged off. I never received notice of such a thing and when I made my last payment, a few weeks later they mailed me the title to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Medical debt) with LJ Ross Associates (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, I am filing an complaint with the company LJ Ross as they have been trying to collect a debt that is not mine. The dates that they claim the account to be opened on are below. I have tried to resolve the late payments with this company and have not gotten anywhere. These debts were paid by the medical insurance company and are not owed. Please remove these off of my credit report. I am trying to buy a home and these are holding me back. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Closing/Cancelling account

Complaint: i have a chase freedom card in which was opened in XXXX of 2015 with a starting balance of {$7000.00} within 6 months they raised the credit limit to {$12000.00} i am now carrying a balance of {$7000.00} whick i ussually do and pay off within two months when i recieve bonus checks i have never missed a payment and have always paid the card down which im assuming is the reason they raised my limit i now am in the process of opening a {$300000.00} home equity line of credit and out of nowhere i recieve a letter that chase is closing my account because i " cause issues to the banks reputation '' this now will drop my credit score and i am really confused, being that i have always paid them on time and EVEN recieved a credit increase without asking for XXXX and now they are closing the account. i called to ask what made them come to a conclusion that " i was a risk to the banks reputation '' and they said they did not have an answer to that just that " they can close an account for any reason at any time. I am just very upset that i work hard to be a good citizen and pay all my bills and keep a good credit score then chase just over a 6 month period gives my a {$7000.00} credit limit raises it another {$5000.00} then for no other reason other than " reputation " not for late payments or no payments because i have never done such a thing so i am looking to have them reverse this decision seeing that i am a good consumer. how can they do so much like open the account raise the limit then close it all within a couple of months and i would understand if i did not pay or if i have ever made a late payment but neither of those are the case they are playing games with my credit score. plus when they raised my limit i did not request that they raise it they just did it on their own. now for no fault of mine they are choosing to close the account and affect my score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Company posted a 30 day late on a card that was used with out knowledge, never received any bill, company admitted the mistake in address on the phone changed the address and now is saying they made no mistake. They also took longer than 6 months to get back to me and now every complaint is met with a phone call saying they will look into and get back to me .... the last one was months ago. I still havent heard back from them. Company made a mistake but seems to be ok with putting it off as if I will let them get away with it.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Since XXXX of this year I have written in to all three credit reporting agencies to address accounts being reported inaccurately. The accounts that are not being reported accurately are XXXX XXXX, XXXX XXXX XXXX, and Capter XXXX bankruptcy. XXXX XXXX is still reporting late payments when the account has been closed/ paid in full. XXXX XXXX XXXX is invalid because the account is not mine and should not be on my credit file and lastly the Chapter XXXX Bankruptcy is not mine, no monies owed, being reported inaccurately also to my knowledge all public records that are not being reported accurately were to be removed XXXX XXXX, 2017 which also has not happen in my case. I have sent all companies formal written disputes none have replied with supporting documentation of the debt being valid or verified. I have written in to all three credit reporting agencies to have these accounts removed which also to this day has not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Problems caused by my funds being low

Complaint: SUMMARY : TCF intently setup a system to rip-off customers by delaying and manipulating the posting of transactions as a strategy to unfairly deceive for financial gains. 
XXXX TCF intently set up a system to rip off customers by delaying and manipulating the posting of transactions as a strategy to to find opportunistic time to charge unauthorized fees. I have called to complain to TCF on each of the different fee charges below and request that the fees get reversed, but they simply refuse to listen. I do n't understand how such a practice can be legal. Here are the fees charged and the dates they where charged on the accounts end in XXXX & a recently closed account. 

Acct -- -- -Dates XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX funny thing is, for many of the transactions that resulted in those fees, right before issuing the transaction, I would check my bank account, see that there 's enough fund to cover the transactions, only to find the next day that TCF had something else under their sleeves. In most cases, TCF would claim that yes you did have enough fund in your account at the time, but your deposited checks did n't clear in time to cover the currently issued transactions and those " delayed '' transaction that never did show up in the first place. They pick and choose, when or what time to post transactions as a " delaying strategy '' to intently charge unwarranted fees. That 's a clear definition of Unfair and Deceptive Practice. Especially that when all these fees are being accessed, at least XXXX of the accounts ( checking or savings ) always has enough fund to cover for any transactions that may have been issued by me ; but TCF asks for fees every time they would be put in place to process a transfer from your own account to cover a transaction from one account to another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Chase has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the 30-day period. I disputed this account sending certified with return receipt in which Chase rec eived and signed on  XXXX   XXXX  by  XXXX   XXXX  in which  Chase  did n't respond to my letter in a timely manner that was dated  XXXX   XXXX  which is another violation of Federal and state law and they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Keep in mind I also have time stamped copies of my credit report showing proof of the violations. I lived with an aunt that had the same exact name as myself so I also requested copies of a contract bearing my signature.  Chase  send on  XXXX  of   XXXX   copies of printouts of bills and itemized documents, which does not constitute verification as per FTC opinion letter from Attorney  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was cancelled but I was still billed. After paying full amount I was refunded partial what was paid but negative report was never removed as promised.

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 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I send a letter to Transunion sent via certified mail on XX/XX/18. They sent a letter back that I received today, stating there was not sufficient information and that they wanted me to resend the accounts in question in print with the dispute reason ... I did that already in my dispute letter that they received over 30 days ago and included the exact account number they have on each account ... proof is in the attached document field. The numbers I gave for each account is the exact number that I found on my credit report from Transunion. They have recieved every piece of information they want over thirty days ago already in written format. I have requested that these accounts be verified which is my consumer right, and Transunion has failed to honor that request within the 30 day period. Funny, they have the information at the tips of their fingers but cant verify the info!!!!!

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 04/17/2016 about Credit card () with CITIBANK, N.A. (NH).
Issue: Credit determination

Complaint: In early XXXX, XXXX, I attempted to upgrade my Citi Rewards Card to XXXX which offered a better reward. I have had my current CitiCard for twelve ( 12 ) years and have always paid it in full and on time. My credit limit was raised in XXXX - I thought I was considered a good customer. To my surprise my application was rejected. I called CitiCard and ask why I was rejected. I was told the reason was that XXXX ( Credit Reporting ) was reporting that I had no credit or credit score. This, of course, is obviously incorrect since I have been a CitiCard holder since XXXX. XXXX does not show my CitiCard on my Credit Report. There is an obvious breakdown in communication between CitiCards and XXXX. I think it is also absurd for CitiCards to report to XXXX credit history of one of their ( CitiCards ) customers, then ask XXXX to provide the same information back to them ( CitiCards ) before they will issue a credit card. CitiCards should already have the necessary information on a current customer of theirs. 
Attempting to contact XXXX and speak to a live person who is willing to help correct inaccuracies is very, very difficult - in my case, impossible. I have filed a separate complaint against them. As for CitiCards, I have made numerous calls and spoken to numerous representatives. None of them to date have corrected this problem. 
This is more than an irritation. This affects what I pay for home, auto, etc., insurance. In my case I can show financial damages.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on this matter

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: trans union keeps saying i have address at XXXX XXXX XXXX XXXX XXXX az never been there or lived there

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