milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have disputed items on my report several times,   XXXX   refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had  2 public Records  listed on my report. law as o f      XX/XX/XXXX s tate if cant verify it has to be removed. well all   XXXX   credit agencies removed  one  of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also  one  of the collections account was removed  ( Interstate  credit collection ) and they put it back with out notifying me withi n 5 bu siness day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional Med Adj is undeliverable and how can you delete  2  but verify the oher, please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is related to an XXXX admission that occurred in 2010 at XXXX XXXX, XXXX. I do not remember the exact circumstances, but has an idea which i remember, and the facts my wife has explained to me. 
I was discharged XXXX following the morning admission, despite the protest from my wife, who is an XXXX She protested the discharge as I still had XXXX. Despite her protest, I was discharged. I then had XXXX which occured following a XXXX. 
In the evening, I was returned XXXX and again I was admitted XXXX. As far as I know, it was a weekend and from the XXXX, I was in the hall way as there was no room, or so. I was in XXXX until I was readmitted. 
The same admission had XXXX XXXX visits XXXX in the morning and the next XXXX in the evening. On the initial admission, I was discharged before XXXX, and only to return to the hospital by evening. The second admission resulted in the hospital stay, but for the same problem. 
As per my insurance coverage, XXXX is completely covered, but as the same admission had XXXX XXXX, Insurance paid only a portion. 
I initially had a bill from XXXX for the amount the collection Agency is billing. To that bill, I send by complaint, and I did not had any further bills or notices from the XXXX. And after an XXXX of three or four years, I had a notice from the collection agency. Though I informed the collection agency by phone and in writing, I again has notices and calls. Hence, I request CFPB to look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 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: Information belongs to someone else

Complaint: For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting financial information that is incorrect in regards to XXXX XXXX XXXX XXXX. I logged on to my account with opm.gov.cybersecurity on XXXX XXXX, 2016 and noted that Experian has not removed this item. 

Experian 's website will not let me challenge the derogatory item. 

Attached is XXXX 's letter of XXXX XXXX, 2016 along with a screen shot of my credit report from the US Office of Personnel Management 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 non-monetary relief
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XXXX I never opened this account in XX/XX/XXXX Pls. send the signed contract with my name or it or -- -Pls. remove this IMMEDIATELY XXXX XXXX who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XXXX Who is this?? Equifax if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXXXXXXXXXX Consumer Affairs pls. looking to this information since Equifax seems to think it is ok to put peoples personal information on their site without any proof of records.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CT).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with Citi Bank in XXXX XXXX with a promotion code entitling me an account opening bonus of XXXX Thank You Points. My eligibility of the promotion was confirmed both by phone call and security message from Citi Customer service, promising crediting the points in XXXX XXXX. However, Citi bank now denies my eligible points saying that I am not eligible. I have proofs from the account opening and early communication to Citi Bank to show that I am indeed eligible.

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 02/23/2017 about Debt collection (Auto) with Bridgecrest Acceptance Corporation (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I attempted to reach out to Bridgecrest and they informed that they were not able to locate and account with my SSN so why is it right that they are able to put a derogatory mark on my credit?

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 01/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Public lien on credit report i have previously disputed to have it removed cause it belongs to someone else with the similar name and same last XXXX digits of ssn but the full name is incorrect, birth date doesnt match or know address as well as the full ssn are different.

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 03-02-2017 about Credit reporting () with CL HOLDINGS LLC (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX- XXXX {$270.00} Jefferson Capital Systems- XXXX XXXX {$620.00} XXXX. Preserve at XXXX XXXX {$5100.00} Those Account does not belong to me has to be removed from my. XXXX CREDIT REPORT. Someone used my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They are saying that i owe this debt, that they say i owe them. I have send " General Affidavits '' to them as well, and asked them to send me my signature baring that i owe them, they can not provide proof of contract stating that i owe them.I am seeking out a lawyer on this situation. Its has ruined my credit, all because of them not validating what i have requested for them to send me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO).
Issue: Money was not available when promised

Complaint: DO NOT USE MONEYGRAM. I sent XXXX to CA to a friend. I had the transaction go to review on a very time sensitive transfer even though I was told the transaction went through and the money was available. I had to answer 20 minutes of interrogation questions to finally get the transaction approved. This was MoneyGram. I voiced my concerns. My friend had to send the money back and again was told it went through but instead went to review. I found this out when I tried to get the money. I called 3 times, she called twice and was told that the transaction was in review and she had to return to the same Walmart for unknown reason. Worse consumer service I have ever worked with. Suspect they capture a lot of people 's money and never release it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Private student loan) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I received calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX XXXX EST from American Education Services. Both pick up hang ups. I looked to ensure all payments were current after the call on XX/XX/XXXX. On XX/XX/XXXX XXXX I called back and the representative asked for my current address and I confirmed all information. 

On XX/XX/XXXX my mother called stating that called asking my address information. I told her I called them and gave it. At XXXX on XX/XX/XXXX I called the company back and that stated they were asking about my father a cosigner who was XXXX. The representative stated an original XXXX XXXX must be mailed to AES, I asked about alternatives and the representative stated that was the only way. I asked to speak to a supervisor and the supervisor said I could do it via fax, or through website submission. I told them I would have to get a copy and I think I had it in my email. 

When I hung up the call I searched my email and found no copy so I texted a family member who would have the information. The family member stated they would get it to me. 

Also on XX/XX/XXXX at XXXX another incoming call, no voicemail. I called back at XXXX and spoke with a representative who stated the calls will continue daily until I get the death certificate in, I asked for them to stop especially to an elderly reference who is unable to handle her own affairs, they stated they are unable to stop the calls. I stated as a consumer this appeared to be harassment after keeping reasonable communication and that I would contact the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Late fee

Complaint: I have been involved in an ongoing disagreement with the Amazon credit card firm -- Chase Bank USA NA regarding their credit card rules and a disputed late fee charge which is now compounding. I owe no other monies to said firm ; only the late fees and penalties are in question. I just got off the phone with their representative, XXXX XXXX. She told me nothing would be done to explain, correct or ameliorate the situation and " have a nice rest of your day ''. She told me that I was properly informed regarding the cancellation of said card and that according to the recording of the event I was given 30 days to redeem my points. I do n't know if XXXX XXXX is lying or merely misinformed but this was not the case. Nor did anyone at any time make any effort to explain to me what are the actual rules regarding my usage of the Amazon/Chase credit card. I doubt that this further effort at seeking equity will make any difference but at least I will have made a formal complaint against and company and policy I consider to be entirely wicked.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with JPMORGAN CHASE & CO. (CO).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: Chase prepaid cards The owner o two prepaid Chase c redit cards passed away in  XXXX   XXXX .   The trustee of the estate ( me ) received two letters mailed to the card owner, dated  XXXX   XXXX ,  XXXX  and received  XXXX   XXXX ,  XXXX  stating that the balance on the cards would be transferred to the state of California as " abandoned '' if there was no response prior to  XXXX   XXXX ,  XXXX .     I contacted Chase by phone on  XXXX   XXXX ,  XXXX , on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . I was advised I had to fax several legal documents to a specific phone number, and to expect response within  16 busin ess hours. Documents were faxed on  XXXX   XXXX ,  XXXX , again on  XXXX   XXXX ,  XXXX  and then twice on  XXXX   XXXX ,  XXXX . Followup emails were sent on  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX .     There has been no response.     Each of the  four phone calls took over two hours and involved numerous transfers and conversations with six or more individuals. At times I was provided with false information ( a c allback number which did not provide option to speak to a person and an employee identification number that did not exist ).     I have been advised that the only way to contact the appropriate department is by fax, mail, or email. On  XXXX   XXXX , I was told that no faxes have been received, even though I have sent   three times to the phone number provided by customer service. It would be irresponsible social security numbers and other sensitive information via non-secure email. And I was advised on the first phone call that the mail method was not reliable, and might take too long for this situation.
I have now spent over eight hours on the phone and spoken to 26 or 25 different people, and I am still being told all I can do is send the required documents again and wait. I have been   told there is nobody I can speak to who can find out how to resolve the situation.     As yet, I still have not received responses to faxes or emails, and it seems lik  e Chase is doing their best to make it impossible to retrieve the prepaid funds from these cards. Chase is providing no alternative other than to repeat the same steps that have failed to work three times, and customer service representatives say there is nothing more that can be done.
This money does not belong to Chase - these were prepaid cards! It is shameful that they make it impossible to retrieve funds that they have not right to withhold.       Please assist in resolving this issue. Thank you sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a collection with IC systems, dept collector for XXXX XXXX. 
It went into collections in XXXX, I received a settlement letter for a reduced amount. I contacted them to see if this amount included a credit for returned Tv boxes. This about XXXX XXXX Now they are reporting it as a new dept opened in XXXX of this year. XXXX. Since this was already on my credit report now looks like XXXX new collection. Can they re age the collection in this maner?

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 10-10-2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a remark on my business credit file from this company. It is unknown to me, I would like full validation. I did go through some financial hardships but that was more than 7 years ago and nothing should be listed on the credit file at all. Please help me as I requested

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 03-06-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Rewards

Complaint: Received an offer from Chase Bank for a Southwest Air Lines Rapid Rewards Credit Card. Offer included a bonus of XXXX points after spending {$1000.00} in charges in the first 3 months. I spend the required amount plus some in the first 2 months, then waited the required 1 or 2 statement cycles for my XXXX points to show up, when they did not appear I contacted Chase Bank. They told me I did not apply for a XXXX point card but one that gave XXXX points and that is was to late for them to do anything, had I contacted them 3 months ago when they first put in XXXX points they might have been able to do something and that it would be unfair to their other customers to fix their problem. I informed them I did not, would not waste my time applying for a card with only XXXX points. I told them this 4 times in 4 different secure communications. They have refused to do anything about this. I did not apply for anything but the card with XXXX points. I will accept nothing less than the XXXX points in the offer they made or the refunding of my credit card fee they charged. This bait and switch practice should be illegal and probably is, Chase needs to make this right!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried multiple times, from multiple sources, to get my Credit score. Every time, it asks me to choose an item ( i.e Mortgage, credit card ) that I 've never signed up. Every time I select 'None of the above ', because the information it asks for does n't fit anything I 've signed up for. I do n't own a house, therefore have no mortgage and I do n't have a credit card opened in my name despite every company thinks I do. It fails to give me my Credit information. I looked up the reasons why my Credit is bad, it says I have medical bills not paid for in Arkansas from XXXX. I have lived in Georgia since XXXX and have not lived in Arkansas since XXXX. I believe I 'm a victim of Identity theft. 

I have attached XXXX. The first has question similar to what I get asked, the second is it failing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My issue with this XXXX is that I keep having different continuing issues with this XXXX reporting inaccurate information on my credit report. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation or purposeful and deliberate actions on their part for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account that they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureaus. They are reporting the date first delinquency reported as XXXX and if they just began reporting it even though they have been reporting it prior. Previous to my dispute and complaint they were reporting as placed for collection XXXX. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and date first delinquency reported as XXXX and open and reporting it as if it is a new account. They are trying to throw off the credit bureau 's system and impact my credit score negatively in a big way, on purpose. This is the same collection agency just reporting it differently, although they do have about XXXX different names. The name does n't seem to have changes on my report, just the dates and other things keep changing. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. This debt is a very old debt they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting. I would like them to stop playing games with my report and stop with the inaccurate and deliberate incorrect reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing inquiry 's on my credit file with Transunion since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a transunion representative. The rep told me the only way they inquirys could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.

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