milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACCESS GROUP INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Access Group INC, I have tried time and time again to have a " Consumer Dispute '' removed from my XXXX credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the Summer of 2009. All of my documents were sent via registered mail return receipt. 

The following is my current information : * Access Group INC - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 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 XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 non-monetary relief
Consumer complaint received 01/30/2018 about Debt collection (I do not know) with Capstone Credit & Collection, LLC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted them and they refuse to validated the debt and they advise me they can not dispute the accuracy. Date reported XX/XX/2018 collection charge off/ last four account number XXXX amount {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Medical) with SUNRISE CREDIT SERVICES, INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company continuously contacted me about a debt. I explained that I never received a bill and did not believe I owed any amount. Requested a copy of the bill and they sent me the debt collection letter. 

Threated that if I did n't pay the amount would be reported to my credit. Said I should pay because the amount was small and that I would n't want an amount that small affecting my credit. 

They effectively strong armed me into paying a debt I still am not certain that I owe

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Bank of America # XXXX Dose not belong to me and I have dispute it with XXXX  and nothing has changed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: Someone accessed my account and tried to deposit XXXX checks in to my accounts. XXXX were tried to put in checking and XXXX in savings. Bank of America allowed the person to withdrawal {$1500.00} from my savings account on the day it was put in the account and a transfer was tried for {$800.00} the same day. I filed a fraud claim and claim for my card being stolen, and they said I was the one who allowed someone to access my account which is false because they used a mobile app to deposit the checks. I have only used this method once over a year ago too deposit a paycheck from XXXX. They said the checks where deposited in XXXX but XXXX was deposited XXXX and XXXX XXXX. They will not send me my bank statement for the month of XXXX and they will not allow me to access the 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 monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have asked via certified letter to validate accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed out some challenges and ask for an investigation XX/XX/2016. It is XX/XX/2016 and I have not received a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with t he Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score  at the moment.

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 11/25/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent 3 letters to request that the agency, XXXX XXXX XXXX, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently found an item on my credit report with all 3 bureaus ( XXXX, Experian, and XXXX ). With XXXX, the fraudulent account appears as " Indiana XXXX XXXX '' with date open of XXXX and account balance {$19000.00}, account # XXXX. With Experian, similar information is listed with the addition of an address and phone number : XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX This address is for Indiana University XXXX XXXX, but the phone number takes me to what I believe to be fraudulent individuals attempting to get me to make payments for a loan I did not originate. I have also been getting letters and voicemails from individuals claiming to be associated with Indiana University that I have not responded to due to the appearance of fraud. The most recent of these voicemails was left on my cell phone on XXXX XXXX, 2017 at XXXX from phone # XXXX. The voicemail reads, " Hi I 'm trying to reach XXXX XXXX, this is XXXX with Indiana University, please give me a call at XXXX, option 6, thank you. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My USAA Member Number is XXXX, this is in reference to my USAA XXXX XXXX and  XXXX XXXX card. My account access to all my USAA accounts was restricted and all my accounts including both cards in question with billing disputes were closed without explanation. Any and all requests I 've made for documents regarding such disputes or the written clarification or explanation of above actions has been ignored. To date I still have not even received my current XXXX XXXX statement despite it being several months later. According to the Fair Credit BIlling Act. - ( d ) Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a  billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. ( e ) Any creditor who fails to comply with the requirements of this section or section 162 forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. Despite the law, USAA restricted, closed my accounts, failed to provide a written explanation, and all documentation requested. Additionally, USAA reversed permanent credits issues a year ago, with no warning, explanation, information on the reversal or charges and has failed to even provide a billing statement, other than online which USAA restricted my access to. Thus I have been prevented from accessing any documentation directly by the actions of USAA. USAA, also reported false information to the credit reporting agencies, in addition to failing to indicate the accounts were under dispute. In fact, they even reported one of the accounts they reported as being at it 's limit as having it 's dispute resolved. Said account was paid in full, minus any disputed transactions still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: HI, I had an incorrect collection placed under my name from   XXXX   XXXX   XXXX   in  XXXX , Colorado. The collection was placed  XXXX   XXXX  and I moved out of the complex in  XXXX    XXXX  . I spoke with the apartment manager and it was an issue on their end. He reached out to  XXXX   XXXX  ( collection agency ) and had them remove it.   XXXX    removed the incorrect collection about a week later.     I am having issues with equifax not removing the mark. I have calle  d three times and they were not able to help. The last representative advised the remark was removed and sent me a " revised '' full credit report that would reflect the update. Of course, the mark was still there when I received the new report. Their website is useless and shows " completed '' under the dispute number, but neither advises " verified '' or " denied '' as shown in the directions. I emailed 4 tI especially after that. The response I received was please call us because we are experiencing high email volume. I tried to escalate to a Manger and received no response after that other than a survey. I tried to take the survey by the way and the link did n't even work. Worst customer service I 've ever seen.
My thought is if  XXXX  already dismissed the collection then equifax would report the same. Please help me make my credit report cor  rect because I am having no luck with equifax. I can provide the dispute number.     Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been working with XXXX XXXX company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XX/XX/XXXX- XX/XX/XXXX I  was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XX/XX/XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on XX/XX/XXXX which was suppose to post on account by XX/XX/XXXX (  which it has not ) and will begin making monthly payment on my behalf XX/XX/XXXX ; my issue with XXXX XXXX is that in XX/XX/XXXX-XX/XX/XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XX/XX/XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXXk. Payments were made on-time per arrangement XX/XX/XXXX-XX/XX/XXXX. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.

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 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To CFPB, thank you for the information you gave us on this matter, we previously sent a complaint to Experian # XXXX concerning old bogus addresses. I have not been punctual in getting back as quickly as I would like to because of my medical issues that I'm having with XXXX   being in and out of the hospital. In Experians response to us they indicated that they were taking care of this issue in a non monetary way and would remove the old bogus addresses and went as far as to send us another copy of my credit report showing only the correct address but did not show the others had been deleted as they state in their paper work description definitions such as " Updated, investigated, or deleted '' we have federal rights to this knowledge and Experian has a legal obligation to comply with the law, but once again they did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ( Below is the last correspondence I sent to IQ data, that explains the nature of my complaint ) This Letter shall serve as formal notice of my Intent to file a lawsuit against IQ data, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response merely contained verification of the debt and had no contractual agreements and original term agreements I had requested. Thereby this account was not validated. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ XXXXXXXXIf you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within 2 weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction problem

Complaint: Original date sent was   XX/XX/XXXX   for {$500.00} Seller backed out of the deal and never picked the money up. All I want is My Money back. They have been promising to send me a check for 4 years and still nothing, They give me a number to " the Treasuery Office '' who is only settling cases starting the year after  (  XX/XX/XXXX  ).  I call and tell them this and they act like they are going to send a check, and then ill receive a notification with that same   XXXX   treasury number.- XXXX 
case id #  XXXX  I have been taken advantage of by not the seller, but western union.
Please help   XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank Gold Checking account under promotional offer and now Citibank is now claiming no such offer was on my account despite messages and phone conversations with their staff saying I qualified for the promotion and should receive my miles within 90 days. I have attached a message I saved from them ( which now has been mysteriously deleted from my account ) that states the promotion has been applied and all I needed to do was make another bill pay which I did on XXXX/XXXX/16. I should then have gotten my miles by XXXX XXXX 2016 but have not. I have also been getting charged a monthly service fee for keeping the account active in the meantime of {$30.00} a month.

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 12-04-2017 about Debt collection (I do not know) with CL HOLDINGS LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Have a collection on my credit and the collection agency has never notify us about this account and they said they do n't have to notify and they are in guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company failed to provide validation of debt, I have previously reported this company and they replied saying they would close the account, they are still contacting me and they are still reporting negatively I have tried reaching out to them and letting them know to stop reporting on my account and to close it as they promised, and to also stop calling me, unfortunately they fail to do so.

Company response to consumer: Closed with explanation