milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX, XXXX, XXXX and XXXX as contained on my consumer credit profile at XXXX XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the XXXX Financial Services in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This is a correction to my previous submission : Case # XXXX. 
In my complaint I stated the creditor that was being reported on my credit as XXXX XXXX XXXX. It should have read " XXXX XXXX XXXX ''. 
Since your website does not have a place to correct or add information, I submitted this form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with First Data Corporation (NV).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Tired to cash a check at the local casino, XXXX XXXX, about XXXX months ago. It was refused and they referred me to Telecheck. Called them and they said it was lack of information and history. They updated my file, and said any check would be accepted. Tried to cash a check last week at XXXX XXXX and it was again refused. They gave me the refusal code and I again called Telecheck. They have you listen to a recorded message about the refusal before you get to talk to customer service, which I did and then talked to XXXX of their reps. He explained that the reason the check was refused was because there was no history of cashed checks with other Telecheck merchants. 
I live in XXXX NV ( less than XXXX people ). Do you think we have loads of merchants using Telecheck? Asked him if there was any negative information -- " NO '' was the reply. So my checks are getting refused for absolutely no reason except that Telecheck wo n't let the casino accept my check. 
This was made even worse since there were people around ( people I knew from church ) who saw that my check was refused. This was horribly embarrassing!! 
Telecheck has NO negative information BUT they are stopping me ability to cash a check at the local casino. 
I talked you XXXX of YOUR reps on the phone and she instructed me to file the complaint on-line using the category " credit reporting ''. You have permission to access any of my credit information to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Unsolicited issuance of credit card

Complaint: Capital One continues to send me e-mail related to an account I did not open. I can not log in to stop these e-mails because I did not open an account with them. I contacted them via e-mail at the suspicious activity link twice on their site but got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I received notification ( a letter and bank statement through the US Postal Service ) from Bank of America about a new Core Checking account that was opened for me. I did not open the account. I only have a credit card, which I have had for many years, with Bank of America. 

I called on XX/XX/XXXX to inquire about the account and to close it. I was told by a customer service representative that the account was opened online on XX/XX/XXXX. The representative transferred me to the Check Fraud Unit and I filed a claim and requested information on how the account was opened without my permission. I was told an investigation would take place and someone would get back to me. I did not hear back from the bank and the account remained open with a XXXX balance. On XX/XX/XXXX at XXXX XXXX, I called again and spoke with XXXX from Customer Service. She reviewed the notes on the account and said the fraud department was working on my claim. I called again on XX/XX/XXXX at XXXX XXXX and spoke with XXXX. She reviewed the notes on the account and informed me that a claim was open and assigned to an analyst. She took additional information from me and said she would ask the fraud department to respond with an update ( the fraud department was closed at the time of our conversation ). XXXX also advised me to file a police report, stated she would place a freeze on the account and informed me that I would not be liable for any account activity. She advised me not to close the account because it would limit the fraud analysts ability to research how the account was opened. 

As of today, I have not heard back from Bank of America and the account remains open. I would like to know who open the account, how it was opened without my permission and, lastly I want the account closed. I believe Bank of America has had ample time to conduct an investigation and owes me an explanation. 

Thank you in advance for your assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted XXXX, equifax and XXXX on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had investigate XXXX XXXX XXXX XXXX credit card. After 30 days of this creditor being investigated through Equifax the item was deleted. I just check my credit reports through XXXX XXXX and it 's showing New Accounts Reported Since your last update on XX/XX/XXXX, XXXX accounts have been added to your credit report. 

AccountTypeDate OpenedCredit LimitBalanceReported ByXXXX XXXX XXXX XXXX XX/XX/XXXX {$25000.00} $ XXXXEquifaxXXXX/XXXXCredit CardXXXXN/A $ XXXXEquifax These accounts were deleted!! #

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In the summer of XX/XX/XXXX the XXXX XXXX monitoring system had some type of glitch where inquiries were removed. I have the XX/XX/XXXX report in which it shows my file to have 0 inquiries. These inquiries were placed back on my report without any notice from Transunion. I have called many times and I keep being told that I was not affected by the breach. I only found this while closely reviewing my reports after the XXXX breach. I also noted many unauthorized credit inquiries that I was told could not be disputed. They want me to get police reports. My police department has said they wo n't investigate because there was no loss to myself or the companies. The creditors will not investigate for the same reasons and referred me back to the credit bureaus for removal. XXXX  has complied but transunion now says inquiries can not be disputed.

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 08/27/2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied for a Federal job. During XXXX back ground check they came across some medical debt. XXXX gave me originally 30 days to resolve. That was on XXXX XXXX, 2015. Today I called BERLIN-WHEELER INC-MO at XXXX on a break. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. By the way I found out today that they had changed their Company nameto WAKEFIELD ASSOCIATES. I was showing the original name for six times on my credit that XXXX is asking me explain. The was for {$490.00}. When I called I talked with XXXX, He had several of my name in his database. He even tried to check under my security # and nothing. I asked for something stated in a letter that this debt was not mine. He outright refused me and said his company did not send out any paper. He stated that he could not help me at all. That because he did not have me in his database there was nothing that he could do. Their phone number that I called was XXXX XXXX XXXX XXXX. So that is why I came to you for help. I need to get this off my record so I can get a decent paying job. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Portfolio bank continues to add and remove collections illegally. I have asked for any viable evidence, bearing my signature, showing the account is being reported accurately and recieved nothing. filed a ftc id theft report and yet the harassment and credit hits continue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: First, on XX/XX/XXXX, I called Nelnet & spoke with XXXX ( customer service representative ) regarding a letter I received in the mail dated on XX/XX/XXXX for a student loan that XXXX claim to have never received a payment. In addition, according to XXXX their computer system shows that I 've never contacted them before, they have never received a payment from me, she does n't know anything about the university ( student financial services ) placing a hold on my student account for tuition fees of {$1000.00} on XX/XX/XXXX,  and their computer system shows that I received {$8000.00} ( subsidized ) & {$8000.00} ( unsubsidized ) student loans totaling {$16000.00}. 

Finally, I was only issued by the university three tuition refunds for two semesters ( XX/XX/XXXX & XX/XX/XXXX ) based on my enrollment status with refund dates & amounts along with last payment as follows : 1. XX/XX/XXXX = {$1200.00} 2. XX/XX/XXXX = {$2400.00} 3. XX/XX/XXXX = {$3700.00} The total from those three payments is {$7400.00} with the last payment from the hold placed by student financial services made on XX/XX/XXXX for {$110.00}. My total amount of payments made towards tuition as of XX/XX/XXXX is {$1000.00} with the remaining balance at {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with DISCOVER BANK (TX).
Issue: APR or interest rate

Complaint: I have been a Discover Card member since XX/XX/XXXX. I used my Discover Card to make a couple of purchases in XXXX, XXXX, and four purchases between XX/XX/XXXX and XX/XX/XXXX. I have not used my Discover Card during the years of XXXX, XXXX, XXXX and most of XXXX ; I did not start using my Discover Card again until XX/XX/XXXX. I recently attempted to do a Cash Advance and noticed that I did not have funds to transfer from my Discover Card to my checking account. This caused me to look through my Discover Card statement and I found that I have been charged interests every month regardless if I made a purchase or cash advance with my card. My statements reflect that I was charged {$1100.00} in interest and {$550.00} in fees for the year XXXX ; in XXXX I was charged {$1200.00} in interest and {$420.00} in fees ; and in XXXX I was charged {$1200.00} in interest. Please note, I did not make a single purchase or cash advance using my Discover Card during these three years but was still charged over {$1000.00} each year in interest. I have also noticed that my credit line has increased from {$5000.00} to now {$8600.00} without my consent. I believe the increase was done to add interest charges and fees. I have contacted Discover Card company via Live Chat in hopes to reach an amicable resolution but all they do is 'copy and paste ' text from their disclosure documents. I am seeking aid from a regulatory agency as I find this practice unjust to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was lost or stolen on a date unknown to me. I recently checked my credit report and found an account open that I did not open, authorize or consent to it being opened. I then filed a report with the FTC and other law enforcement agencies. I sent the information with all requirements to Experian via USPS certified mail. Experian refuses to delete the fraudulent account. I sent the company what I was given by law enforcement. In our region the officers do n't give you a physical report. Only a report number and a cover sheet which was submitted. The other agencies were filled on line in which that information was submitted also. The following account is not my account and I demand that it be removed from my credit profile ; XXXX XXXX # XXXX not my account please remove this fraudulent information from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XXXX XXXX talked me into a contract on phone service I did n't want in year 2013 or earlier. They keep billing me and collects payments from me and my payee to a debt collector called Diversified Consultants. They told me I now currently owe them {$710.00}. Also XXXX says I owe them {$120.00} and sent me over to a debt collector just because I no longer wanted there service to XXXX. I feel this is not right because I have no service with any of them right now and they are taking money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2015 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: None of the above describes my issue, so I simply chose " Talked to a third party about my debt '', however I did indeed have to speak with XXXX different companies in this process. XXXX, Square Two Financial, and Cach llc. 

My complaint is their violation of the terms of our contract. A written contract as well as specifics written on the check were sent to the company via certified mail. The contract explicitly stated that cashing my check was an agreement to delete the account from all three credit bureaus, or as many as are reported to for this account. Also noted was that if that was not acceptable, they should return my check. The check was cashed, however, the reporting has continued. I have all the documentation, including a copy of my check and the contract as well as the certified mail reciept from USPS. 
When I spoke to them they explained that they did not even take the time to review and had apparently lost record of this. Not only did they violate the terms, but their negligence seemed to them, apparently, to be reason enough for the violation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX {$100.00} charge .... XX/XX/XXXX charge provisional credit reversal {$100.00} ... .. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$120.00} charge.. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge provisional credit reversal ... XX/XX/XXXX charge provisional credit reversal {$100.00} ... XX/XX/XXXX {$100.00} provisional credit reversal. 
And theirs is more charges but this is as far I could go on my credit card website.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was compromised. I receieved a letter from XXXX letting me know my was XXXX of the acccounts with identity theft. I am working along with XXXX to restore.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Account opening, closing, or management

Complaint: WELLS FARGO & COMPANY has stolen my account and denied me access from viewing the account on XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AL).
Issue: Account opening, closing, or management

Complaint: I signed up for a citigold checking account because of a promotion that they were running for XXXX XXXX XXXX miles. There was nothing that stated it was an invitation only offer and I fulfilled the obligations to the offer. They confirmed that I completed the requirements in XXXX. Now however they refuse to fulfill their obligations. They state that I was not targeted for the promotion.

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 06/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc.

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:

1.) XXXX shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with XXXX.

2.) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. It is in fact a business account, not personal, and thus, should have never appeared on my personal credit file. 

3.) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

4.) Any inquiries, two or more years old, should no longer be showing on the account

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation