milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Debt collection (Credit card debt) with American Coradius International LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Affidavit of Denial XXXX XXXX XXXX COMMONWEALTH OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX Dear American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Reference Number : XXXX Amount Balance : {$5600.00} FTC Identity Theft Report Number : XXXX Victim Fraud Assistance Department I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I deny this debt as I am a victim of identity theft. 

Please provide me with the following : 1. Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt 2. The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed 6.  Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX XXXX, XXXX {$260.00} This is not my account.

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 07-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Making/receiving payments, sending money

Complaint: I am the power of attorney on a Bank of America checking account ( XXXX ) at the XXXX XXXX XXXX MD, bank center, which receives monthly deposits from Social Security. The owner of the account has a XXXX and qualifies for XXXX. He uses this money to pay for his food and transportation. For many, many years, the owner walked into the bank several times a week and took small cash withdrawals. He is well known to the bank staff since his XXXX is open and obvious. Suddenly, three months ago, the Bank refused to allow him to make any withdrawal without presenting a photo ID. He does not have a photo ID. His social worker tells me that he can not get a photo ID from XXXX XXXX without a birth certificate. At the same time, he can not get a birth certificate from vital records of the state where he was born without a photo ID. This Bank also refuses to give him a debit card unless he presents a photo ID. This shameful Bank should be penalized for withholding the owner 's cash under these circumstances. In addition, the Bank should waive the photo ID requires for this owner so that he can receive the cash needed to pay for his food. How many other XXXX persons are suffering from Bank of America 's failure to reasonably accommodate 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 non-monetary relief
Consumer complaint received 05-04-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Complaint : I purchased a XXXX XXXX Air Fryer from XXXX XXXX XXXX XXXX XXXX XXXX which is supported by XXXX Bank. After having made XXXX flex payments on the XXXX payment I paid the total balance off bringing my account balance to zero. I have not purchased any other items. 3 months later I received a call from XXXX Bank / XXXX who stated that my account was now in a delinquent status and that I now owed {$170.00} in past due payments. After being transferred to different departments who all stated that I owned {$170.00}, even though I had previously paid off the balance. In order to protect my credit score I paid what was told to me that I owed despite the fact that I had paid the entire balance and requested that my account be closed immediately. Unbeknown to me XXXX Bank had reported to all XXXX of the credit burrows that my account had been delinquent, which has adversely effected my credit score causing it to drop XXXX points. 
I have enlisted the assistance of a consumer credit repair company ( Cure My Score ) to send out letters disputing this on my behalf. When I received an unfavorable response from Experian, it was advised that I contact your agency as to correct this injustice. 
Both XXXX and XXXX have both cooperated however Experian continues to report this negative information on my credit report which continues to adversely affect my otherwise stellar credit history. I have recently received higher interest rates on purchases along with being denied credit due to Experian stance for not removing this from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016, a criminal hacked my account and charged {$790.00} to my checking account. I immediately noticed that same day because it put my account in the negative and I got an alert stating that I was in the negative. So, I immediately called Chase Bank and made them aware of the fraudulent activity. They told me to stay calm and that they were going to open a claim for me and that everything was going to be fine. They credited back the {$790.00} to my account and told me they were going to investigate. I followed up with them the next day once I saw that they let the charge go through on my account. It was only pending the previous day and I did n't understand why they would n't red flag that transaction and reach out to XXXX right away, but they told me this was apart of the process so I just waited. I called back over the next to two months for updates and was told nothing. Every time I called they would tell me there was nothing in the notes, so they could n't tell me the status of the investigation. All of a sudden, tonight around XXXX on XXXX XXXX I get an email saying that they finished the investigation and the charges are correct and they 're taking back the money they credited back to my account. I do n't understand what happened here. Literally, they let someone steal almost {$800.00} out of my account and did n't even fully investigate because I never made those charges. It 's not even like me to make charges that big. Why could n't they just look up where the stuff was delivered to and catch whoever did this to me. I just got screwed by XXXX and my own bank. I do n't know what to do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: We missed our XX/XX/XXXX payment, but made XX/XX/XXXX, XX/XX/XXXXr, andXX/XX/XXXX payments within 30 days of due date. On XX/XX/XXXX we paid all late fees and theXX/XX/XXXX payment to a XXXX   balance. In XX/XX/XXXX the credit report did not show these payments as late. Now that we have paid them in full, they reported that we were late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus the late fees. We called XXXX to try to resolve and was told by XXXX XXXX in the Executive Office of Support that this is our problem and when I told him I would be contacting your agency he told me You can threaten me, but it doesnt change the fact you were late. We have the right to report it however we want. However, it was NOT reported as multiple late payments until we became current. He disconnected and refused further assistance.

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 09-09-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other

Complaint: I DID NOT APPLY FOR ANY CREDIT CARD DEBIT CARD OR LOAN AND I HAVE A HARD INQUIRY FROM SOME CREDIT COMPANYXXXXXXXX XXXX XXXX XXXX DID NOT AUTHOURIZE ANY THING AND WANT THIS HARD INQUIRY OUT OF MY CREDIT REPORT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My house in Arizona was foreclosed on with XXXX and was supposedly sold and foreclosed on back in XXXX 2016 of this year per XXXX and the gentlemen that purchased it came over and said he bought it- now I am getting a bill from a place call Shell point Mortgage Servicing with the full balance owed like I owe money to them now for the mortgage. How can I owe money to another mortgage place when it was purchased by someone else at an auction foreclosure and I no longer own the home? XXXX and this Shellpoint has been playing games with me and telling me that I know longer own the home and the person that bought it will be the one that is on Shellpoint mortgage but instead they have put my name on a house I no longer own

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Deposits and withdrawals

Complaint: To Whom It May Concern, On XX/XX/2017 I learned of unauthorized charges to my PNC Bank Checking account. I immediately went into a local PNC Bank branch to report them. 
I was given a new debit card with new numbers. 
On XX/XX/2017, I emailed AND mailed a physical copy of my official request ( in letter form ) to investigate these unauthorized charges. 

The following week, temporary credit was offered by the bank. 
Also during the following week, I had to make another phone call to dispute XXXX additional unauthorized transactions in my account. The transactions involved the SAME company as those attached to the earlier unauthorized transactions. Temporary credit was offered by the bank for these as well. 

It has been 45 days since my visit to the bank and letter was mailed out. 
I want to know if the bank has broken federal law by not resolving this issue ithin 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Being charged two late fees per month in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Accounts were charged off on credit report in XX/XX/XXXX but they are being reported monthly on report as on today.
Charged late fees when payments were made XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Charged " repayment '' fee in XX/XX/XXXX and XX/XX/XXXX.
Charged for forbearance in XX/XX/XXXX. XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} - {$2.00} - {$2.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Payment {$0.00} - {$71.00} - {$30.00} - {$100.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00}XX/XX/XXXX Payment {$0.00} - {$100.00} {$0.00} - {$100.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Payment - {$82.00} - {$100.00} {$0.00} - {$190.00} XX/XX/XXXX Payment {$0.00} - {$45.00} {$0.00} - {$45.00} XX/XX/XXXX Payment - {$170.00} - {$9.00} - {$9.00} - {$190.00} XX/XX/XXXX Payment {$0.00} - {$36.00} - {$18.00} - {$55.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$24.00} {$24.00} XX/XX/XXXX Payment - {$140.00} - {$88.00} - {$42.00} - {$270.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$22.00} {$22.00} XX/XX/XXXXPayment {$0.00} - {$120.00} - {$23.00} - {$150.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$24.00} {$24.00} XX/XX/XXXX Payment {$0.00} - {$80.00} - {$19.00} - {$100.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$20.00} {$20.00} XX/XX/XXXX Payment {$0.00} - {$96.00} - {$3.00} - {$100.00} XX/XX/XXXX Payment {$0.00} - {$40.00} - {$9.00} - {$50.00} XX/XX/XXXX Repayment Fee {$390.00} {$0.00} {$0.00} {$390.00} XX/XX/XXXX Forbearance Fee {$0.00} {$0.00} {$150.00} {$150.00} XX/XX/XXXX Repayment Fee {$310.00} {$0.00} {$0.00} {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. 
I will attach exactly what I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have had on my credit for 2+ years a charge of XXXX. I have questioned this balance numerous times and my response from XXXX hospital is ; payment in full is required. XXXX hospital accepted a negotiated balance from the XXXX XXXX via XXXX. Original bill was XXXX, XXXX insurance pd XXXX hospital XXXX. XXXX hospital then turned the diffency balance over to a collection agency, named Healthcare collections loc. Per XXXX insurance, when a claim is negotiated the balance is a write off. I have called XXXX hospital, they have since removed the charge from my credit, but they have caused me great financial distress to obtain any type of credit for 2+ years. 
XXXX HOSPITAL # XXXX Healthcare collections LLC XXXX Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (Medical) with Jason A. Craig & Associates (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was billed XXXX for a XXXX I had back in XXXX. This debt was eventually included in a bankruptcy filed in XXXX. This debt was included in my bankruptcy, and Jason Craig & Associates was notified. They continued to try and collect this debt despite this fact. Today is XXXX XXXX XXXX, and this collection agency has sent a letter to me at my new address threatening to submit this old debt to the credit bureaus. Writing them has clearly done no good. Please make them cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 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: In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both   XXXX   and Equifax are refusing to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Payday loan) with Financial Credit Service, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never received any paperwork on this debt by mail. 

The collector failed to state : " This is an attempt to collect a debt, any and all information may be used for this purpose. '' Multiple collectors disclosed debt information to anyone who would pick up the phone, including my ex wife and co-workers. 

In XXXX call the collector stated that It was going to court on XXXX XXXX and stated the account as a case number, misrepresenting themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have spoke with  XXXX  a supervisor at   XXXX   XXXX   today, at   XXXX   XXXX   est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on   XXXX   XXXX  , 2016

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 06/23/2016 about Payday loan () with Big Picture Loans, LLC (SC).
Issue: Charged fees or interest I didn't expect

Complaint: I had gotten a loan from Castle Payday and paid it back on the agreed upon date. Then, I took out a second loan with them a few months later for the same amount. As I was going through the verification, the rep confirmed the date it would be paid back, with the agreed upon interest. Then, she told me if I preferred, I could make weekly payments instead of the lump sum I agreed to. She neglected to inform me that if I chose to do that, all the payments would go to interest only and none would be applied to the principle. When I made what was I thought the last payment and called in to confirm that, I was told that I had been making interest-only payments and that I still owed the full amount on the principle. I refused to pay anymore as I felt as though I had been scammed and I had paid what I originally agreed to. Now it 's in collections and they have threatened me that I would be prosecuted for defrauding a financial institution. This company has several things on my credit that I feel are inaccurate and I do n't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DIVERSIFIED CONSULTANT ACC # XXXX FAX # XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account DIVERSIFIED CONSULTANT ACC # XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation