milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: mI have contacted Early Warning by phone and by mail and made them aware that they are continuing to report fraudulent information against me, and I have informed them that the accounts that they are reporting were as a result of identity theft. Early Warning has told me that they do not care that they will not stop reporting this information unless the banks themselves tell them to not report this fraudulent information. I tried to explain to Early Warning in Writing and by phone that this was fraudulent information and that these accounts were opened when my identity was compromised in 2010, but again they have told me they are not concerned. I have sent them requests to delete this fraudulent information by phone and by certified mail and they have ignored my requests. I have made them aware that they were defaming my character and they were ruining me financially by continuing to report these fraudulent accounts and they have again told me that they refused to stop reporting this fraudulent information.
The fraudulent accounts they are reporting are the following : XXXX XXXX Routing Number XXXX  Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The above accounts were opened in my name using my correct personal information fraudulently and Early Warning refuses to do anything about it but to continue defaming my character by disseminating information they have been told was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: open date XX/XX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

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 05-06-2016 about Credit card () with Synovus Bank (DE).
Issue: Delinquent account

Complaint: At one point I had troubled credit. I applied for a First Progress secure card. I started out with a {$300.00} limit due to that being the amount of my deposit. I fell on hard times and was not able to continue to pay. I stopped paying the card in which I assumed the deposit would be used to satisfy the debit and account would be closed. Now they are report the account as charged off due to late fees that accrued on the account for XXXX months. In addition, with the item being charged off they are reporting the items as currently delinquent. My problems are below 1. How can a company report something past due each month if the account is charged off 2. How can a company over draw a secure account with fees if the usage of the account never let me overdraw the account? 
3. The company was not able to reproduce my original application to show validity of account.

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. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There 's XXXX credit card record. 
I have only XXXX!!!! credit card. 
Also there 's account on XXXX XXXX name. I am not that person. And that account is n't mineWhy it 's on my record?? 
Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: MY COMPLAINT IS SGAINST WELLS FARGO BANK, I HAVE A CHECKING AND SAVINGS ACCOUNT WITH WELLS FARGO BANK AND THE PROBLEM I AM HAVING IS THAT WHEN MY BALANCE REACHES A LOW LEVEL AND I VISIT THEIR ATM TO MAKE A DEPOSIT TO THE WELLS FARGO ATM MACHINES, THE DEPOSIT OPTION IS ALMOST ALWAYS UNAVAILABLE FOR DEPOSIT AND THIS IS TRUE REGARDLES OF THE LOCATION OF THE MACHINES. THEN I AM CHARGED HUNDREDS OF DOLLARS IN OVERDRAFT FEES BECAUSE I COULD NOT BALANCE THE ACCOUNT I SUSPECT THAT THIS IS A DELIBERATE AND INTENTIONAL AS WELL AS UNPROFESSIONAL BUSINESS PRACTICE BY WELLS FARGO AGAINST THEIR CLIENTS.

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 09-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never received a letter or been called about this debt. I did not know it existed until I applied for an apartment and they brought it to my attention. When I called National Credit Services to explain I have never in six years been made aware of this debt I was told by a XXXX XXXX that my only option was to pay. I fully dispute this debt, as it was for an early termination fee that I was made to understand would be collected from my initial deposit on the apartment that sent this debt to collection. Because it has been six years, I no longer have paperwork regarding that apartment and the apartment no longer exists, as it was bought out by new management years ago. So I am not able to see if the apartment still has records on file. XXXX XXXX also told me I can not dispute the debt and when I asked for written verification of the debt, he said it would take three weeks to send it out to me. Under law, I believe they have five days to do so. I would like to dispute this debt, but the rep from National Credit Systems in XXXX GA refused to give me information besides repeating the amount and name of the apartment. I am also unsure if this debt can legally be collected because of how old it is. When I asked him if it had reached the statute of limitations time limit, he said he did n't know what that was. He puts me on hold for XXXX min in order to avoid my call and I have still never received a letter or call from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was told I could not consolidate my loans or continue with an income sensitive repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Midwestern Health Management INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX gave an estimate for a medical procedure ( XXXX ) .My insurance would pay for a certain amount, & I would be responsible for approximately $ 600- {$700.00}. My doctor said that if the insurance would have paid more, then he would recommend the XXXX, so the doctor & myself decided not to get the medical procedure ( XXXX ). That is when XXXX XXXX offered to lower their price so they could get the business. XXXX XXXX offered to do the procedure for the amount the insurance would pay. They performed the XXXX and I did not receive a bill from XXXX XXXX. XXXX XXXX sold to XXXX XXXX & then 16-17 months after the XXXX was performed I received a bill from Mosaic for the XXXX that XXXX XXXX had performed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with ERC (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act.     After viewing a copy of my credit report, I noticed a collection account placed on my credit report from  Enhanced Recovery Corp.      Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) t o 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 patients authorization. Therefore, my request is twofoldvalidation of debt an d HIPAA author ization.     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.       XXXX   XXXX   XXXX   XXXX   needs to send this information to me for review, 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XX/XX/2016    amount {$720.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RGS Financial, Inc. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have a disputed debt with RGS financial that appears on my  XXXX  Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed.     Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act.     Regardless of this, RGS is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer.     Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client.     This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporting  hostage  under the FCRA, and blatant violation of the terms and conditions of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Submitted disputes XX/XX/XXXX and XX/XX/XXXX to XXXX and Equifax that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please note that Im mailing my final documents using Reference Number XXXX to inform you that I did settle an amount on my NFCU Accounts but Im not satisfied with the state of my credit. After thoroughly investigating the NFCU- PPP complaint the attached letters displaying the organizations ( NFCU and XXXX XXXXXXXX XXXX Letter Head with Logo validates that XXXX XXXX did in fact purchase a PPP and was eligible for protection during the time that NFCU sent the accounts to collection agency, it doesnt magically erase the unjustified damage that was done to my good credit nor does the letters cite blame or initiate consequences for NFCUs mishandling of a service they offered and didnt render as designed. On XXXX/XXXX/XXXX NFCU sent me a letter for an Redress Payment as terms of a settlement between NFCU and CFPB to be applied to my account in effort to keep a positive relationship with me and adhering to their standard of excellence with members. I strongly disagree with the commitment to any standard of excellence extend to me while we were in litigation to resolve a matter that was initiated because NFCU failed to render on a service that I paid for. I will also send a letter to the Better Business Bureau as well. 
Sincerely, XXXX 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 01/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My account was hacked XX/XX/XXXX. I called all the credit reporting agencies to put a freeze on my account. I found a credit inquiry by XXXX was made on XX/XX/2016. I called and was promised the inquiry would b removed within 20 days. Well now it 's almost two months and the inquiry still show up. I would like it removed asap. 
Thanks,

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 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union, XXXX and XXXX have All allowed XXXX XXXX collection to " re-age '' a 7 year old 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 non-monetary relief
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from them stating I was n't responsible for paying the debt anymore due to the statue of limitations. I have requested information validating that I owe the amount on this account on two occasions and they have failed to do so. They notified the credit reporting agencies that it was validated, but proof has still not been submitted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Bank advertised a promotion to encourage direct deposit and account opening - KeyBank. The promotion provided you a {$200.00} reward if the deposit requirements were met. I did meet these requirements and received the {$200.00} in my account. The issue is that now I have also received an interest income statement for the {$200.00} which was not disclosed in any of the advertisements for this promotion. This after the fact disclosure where I now have to report {$200.00} in interest ( my account APR along with the amount I deposited would not have even come close to yielding this amount of interest ) income for the tax year. I believe the company demonstrated an unethical promotion and failed to disclose all the terms. I had spoken with several associates about the terms of this account early on after opening and was given incorrect information about when the deposit would be made, and when I had to fulfill the requirements which ended up being elevated allowing me to speak with a manager. I was also unable to have excessive fees waived for a transaction as small as {$1.00} which overdrew my account {$.00} cents for which I was charged at total of {$67.00}. The notice of overdraft was sent to me days after the transaction posted so I did not even receive ample notice to remedy. There were plenty of opportunity during these conversations for the disclosure about the interest statement to be made but it was never disclosed even by the manager to whom I spoke about my initial elevated issue on the incorrect information about the terms. The failure to disclose this important fact is unethical is not reflective of what I would consider fair practice around disclosures and excessive fees. Do not open any accounts with KeyBank no matter what the promotion. Fees are excessive and you will receive an XXXX for the payment although it is not income. Deceptive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit card protection / Debt protection

Complaint: My XXXX credit cards at chance had been hit with fraudulent transactions twice, and i reported these transactions promptly. I even proved that these were fraudulent transactions. So chase removed these transactions however supposedly they said i reported fraud again a third time. Which i did not do, And the reversed all the transactions and said to me that i gave authorization for these purchases. I did not give authorization. Well this led to Chase bank charging my XXXX Limit credit cards in astronomical amounts. Leading to XXXX, and XXXX on XXXX card. 

This raised the payment amounts tremendously to a minimum payment due of XXXX $ and XXXX on the other. This should n't have happened as i experienced fraud and for them to reverse the transactions and lying to me because their agent messed up and accidentlly marked my card fraud again, that was not my fault. I should n't have been charged for there mistakes. Well this led me to be late twice. So i called and got a Balance Liquidation plan. Which i still have the letter by the way. I made the first payment to this balance plan, Well i was late last month ONLY once and they sent me a letter saying if i miss two payments consecutively i will have my debt " Charged off ''. Well after this letter they went ahead and charged it off and i am not two payments behind. Therefore this is false advertisement, Not only did they ruin my credit but their debt collection actions and false letters are illegal and i am being scammed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is based out of the state of California where the statute of limitations on any debt is 4 years. i incurred this debt before 2011 and the debt collector trying to collect only bought this accountXX/XX/XXXXof this year. This account is way past the expiration date and therefore i feel it is not a collectable account. attached are documentations showing that i have not lived in the state of california to incur this charge since 2011.

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 06/22/2017 about Debt collection (Medical debt) with Credit Service Company, INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent certified letters to XXXX, XXXX and XXXX on XXXX XXXX, 2017 and XXXX XXXX, 2017 disputing the collection account from Credit Service Company in the amount of {$330.00}. XXXX deleted the collection account from my credit report ; however, on both occasions, XXXX and XXXX stated the information was verified and accurate ; however, XXXX nor XXXX has never sent any documentation to support their response as I requested, only that the debt was verified ; however, I requested the debt to be validated. I contacted the company directly ( per the direction of XXXX and XXXX if I still disagreed with their findings ) by certified mail on XXXX XXXX, 2017 and again XXXX XXXX, 2017 requesting that they validate the debt. The company signed for both of the certified letters ; however, they refuse after two requests to provide all of the documentation that I have requested. I contacted XXXX and XXXX AGAIN by certified mail on XXXX XXXX, 2017 advising that they ( the credit bureaus ) did not provide any documentation to me and the creditor refuses to provide all documentation requested. I have recently received a response from XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation. XXXX sent a letter stating they are investigating the dispute. This has been going on for 6 months now with XXXX with no resolution.

Company response to consumer: Closed with explanation