milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ). THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING.
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/2017 **XXXX XXXX XXXX XXXX XXXX, WI XXXX  Re : # **** To Whom It May Concern : This letter is regarding account # ****, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
# 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON XXXX/XXXX/2017.
# 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX/XXXX/17 AND RECEIVED BY ME ON XXXX/XXXX/17.
# 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with Hunt & Henriques (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice from Superior Court of California regarding XXXX XXXX XXXX. 

I don't know who this company XXXX XXXX XXXX is as I never had an account with them. The notice says it's collecting for XXXX and I also never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (VT).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Over a year ago I had an open account with Citizens Bank. The account was accidentally overdrawn {$2.00}, and I was charged a huge fee of {$35.00}, which is 1502 % interest. I called the bank to explain that I could n't cover the overdrawn amount ( now {$37.00} ) until the XXXX when my direct deposit was scheduled for, and they indicated that they would continue to charge me fees for not being wealthy enough to cover their ridiculous fees. I explained that this was unacceptable, and that I would be closing my account and taking my money with me if they did n't stop posting fees to my account, as this policy obviously only affects poor people who ca n't cover the initial huge fee and turns into a vicious theft of money. I do n't get to charge the bank 1502 % interest when they borrow money from me, so this is an abusive relationship. 

Citizens Bank continued to charge my account, and I followed through on my word to leave as soon as the XXXX rolled around and my deposit came though. I withdrew and transfered my money ( minus the first {$35.00} fee ) and left the bank. 

I went to work on XXXX XXXX down in Massachusetts, and after working a 16 hour shift, made sure to file paperwork canceling my direct deposit before driving 4 hours home. The next day I began calling payroll and leaving detailed messages ( they never answer the phone ) to ensure my check would be mailed to my address and not sent to a bank. 3 weeks later I still had not received a check and began calling payroll again, to eventually find that my paperwork and phone calls were ignored, and a direct deposit of $ XXXX was sent to Citizen 's Bank. I checked the account and it had been closed ( as it should have been ) before the deposit was made, but payroll claimed the amount was never returned to them. From what I can gather, Citizens Bank has been holding my {$340.00} paycheck without my permission or an open account, for over a year now, and I have n't seen a penny of it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 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: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX Experian / XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : Request for Investigation of Unauthorized XXXX Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in XXXX XXXX XXXX and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/, XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXXf XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in 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 non-monetary relief
Consumer complaint received 01/21/2017 about Debt collection (I do not know) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This dept is not mine and its. Makeing my life miserable

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Fraud or scam

Complaint: SENT THE PERSON PAYPAL FOR A PRODUCT AND THEY SCAMED ME

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Unable to find a way to file this type of complaint through the dispute system for Experian. My credit score dropped from XXXX two weeks ago to XXXX this week. There is no reason documented in my credit report why it should have dropped, all XXXX of my credit accounts are in good standing and never late. i have been paying XXXX accounts to XXXX every month. There are no major inquiries into my credit. There are XXXX old old negative accounts due to a real-estate short sale in 2010 but they have been accounted for all this time. there is no indication as to why is would have dropped. They keep mentioning that missed payments are the biggest reason for drops in a credit score, but i see no account or know of any account where I have missed a payment or was late on a payment. I would like to have a reason or have my credit score restored to the XXXX that it was before. Thank you. -XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax did not address my concern. The courts did not report any public record information to the CRA, therefore an indirect party, third party, has provided the CRA with this information. They CRA 's credit summary is misleading, as if the a Gov Agency, the judicial system, is the equivalent of a creditor or data furnisher, reporting public records to the CRA, which the court does not. 

Equifax Credit Information Services said : Explanation of closure Please be advised the creditor verified the Judgment case number XXXX correct as reported. Please be advised Judgment case numbers XXXX, XXXX and Bankruptcy case number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX request a credit check on my name without my consent. My line of credit was increased without me making any request. Obviously my score will decrease and I 'm working hard to increase it at it was before. This practice must not be tolerated. If they were looking to increase my line of credit they should have used my record of payments with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This Company is engaged in unscrupulous practices by attempting to cheat the Fair Credit Reporting Act allowable time to collect a bad debt by engaging in re-ageing the account in question. I opened an account in XX/XX/XXXX and decided to break the contract because of unfair billing. The account was then charged off and place on my credit I monitored my credit report and noticed that it was put back on my credit as being opened in XX/XX/XXXX in direct violation of current credit reporting laws. I contacted the collection agency to no avail. So I would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other

Complaint: I have had an ongoing issue with capital one for two months now. Here are the rundown of events:XX/XX/2015- month put into my credit card account that did not belong to me ( money was meant for another account and the money did not belong to me ) - Called capital one they told me nothing was wrong with my account and someone must have " given '' me money. 
- I said that no one has access to my account and that is not possible- research was done and the money was found out to belong to my mother who does NOT have a capital one account, she was paying off her XXXX XXXX XXXX bill ( which is through Capital One ) -She has a different first name, and a different account number yet the money was put into my account. 
- Called capital one to clear it up ... here is the chain of events since then:1. ) Money was supposed to be sent to me in late XXXX so I could return it to my mother so she could send it to the correct address- Capital One instead sent it back to my mother 's bank where I do not have an account and put it addressed to me. That bank sent it back to Capital One and the money was put back into my account2. ) XX/XX/XXXX money was supposed to be sent to my house - check was never issued3. ) Week later I called- money was supposed to be sent to my bank electronically- never done and I was told that this was not an option4. ) XX/XX/XXXX- check was STILL never mailed - spoke to a supervisor who said she would make sure it was mailed. 
5. ) Check was mailed to an address that DOES NOT exist. I gave her my address because it was wrong in the system and the check was sent with the XXXX XXXX name, apartment name, town, and zip code. 
6. ) Called Capital One and they were supposed to cancel the check and resend it to the correct address. Payment department said no because they already issued it and it would be a duplicate check7. ) TODAY XXXX/XXXX/15 : Called 2 times - spoke to XXXX supervisors- supposed to get a call from someone in the payment department at XXXX XXXX and no one ever called. 

Where am I now .... 
NO closer to having the money returned to it 's rightful owner. This is all Capital One 's fault yet I am the one who is having to continuously call and explain to someone new what the situation is. I can not believe that a company can operate like this it is XXXX unacceptable and I would never recommend this company to ANYONE. I am filing a complaint because I do not know where to go from here. I am no closer to having the check for {$3500.00} returned to me and no one at Capital One seems to know how to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX located at XXXX , Florida . 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 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rossman & Co & PCB (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with PCB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. This account Is not in compliance with HIPPA ACT standard and is in violation. I request that PCB Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all CONTRACTUAL AGREEMENTS with my signature 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PCB Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: CHASE FINANCE HAVE CHARGED ME XXXX FOR MY PROPERTY TAXES FOR YEAR XX/XX/XXXX/XX/XX/XXXX AND THEY OPENED AN ESCROW ACCOUNT AND NOW I`M STILL PAYING FOR SOME TAXES I ALREADY PAID THEM ON MY OWN AND I HAVE PROOF OF PAYMENTS, I CALLED THEM MANY, MANY TIMES BUT THEY DID NOT ASSIST ME WITH MY INQUIRES.

Company response to consumer: Closed
Consumer complaint received 01/17/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have my loans consolidated with XXXX XXXX. In XXXXXX/XX/XXXX, I was told that I had to re-certify to stay on the IBR plan. I sent in all of my information and uploaded my documents to the site as needed/requested. I contacted XXXX XXXX in XXXX because I still had not heard back from them regarding my new IBR plan/re-certification. That did n't make sense to me at all. I also continued to make all of my monthly payments and did not miss ANY payments. I was told that because I had applied for permanent/total XXXX, that my IBR paperwork had to be re-submitted. I was told by my doctor that even though I have XXXX  XXXX XXXX XXXX, that because I am still working that I did not qualify for total XXXX. I did not send that paperwork in. I STILL made all of my monthly payments while my account was in deferment. I did indeed re-submit my certification for the IBR plan in XXXX. In XXXX, my account shows DELINQUENT and PAST DUE. SEE BELOW. My IBR was approved for {$270.00} beginning in XXXX, yet XXXX XXXX is saying I am delinquent for the month of XX/XX/XXXX, yet I made a payment of {$220.00} which was my original payment and was made on XXXX XXXX for the XX/XX/XXXX payment. Now it is showing on my credit report as being 30 days delinquent. MY RE-CERTIFICATION PAPERWORK WAS SENT IN IN A TIMELY FASHION YET THEY ARE CHARGING ME {$1400.00} FOR THE MONTH OF XX/XX/XXXX. 

THEY ALSO WENT UP ON MY PAYMENT. I WAS PAYING {$220.00} AND NOW I HAVE TO PAY {$270.00}. WHY IS PAYMENT GOING UP? 

I AM MAKING PAYMENTS AND MY BALANCE IS NOT COMING DOWN. 

Last Payment : {$220.00} on XX/XX/XXXX Next Payment : {$270.00} Amount Past Due : {$1100.00} Current Payment Due : {$1400.00} on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My inquiry  to the County Recorder of Deeds and U. S. Bankruptcy Courts confir med TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public recor ds may, and oftentimes are, reported by third party sources unaw ares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.   The Credit Bureau needs to provide me with copies of all documentation associated with thes e Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my   signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under "  Public Records '' n eeds to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the  Federal Law, you ha ve exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act  623 ( a ) ( 3 ).    Per  the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) -  all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.   I have given TransUnion multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.   I am hoping this matter will result in the removal of the bankruptcy from 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 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax by its actions and inactions encourages identity theft and misuse of credit reports

Company response to consumer: Closed with explanation