milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with Receivable Recovery Services, LLC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/, a letter requesting verification and validation was sent to Receivable Recovery Services ( RRS ) in regards to an unknown dept balance from XXXX XXXX XXXX. It was explained in the letter that I was unaware of the dept, provider where dept was stated to be from, and that there was no consent/authorization given for my personal information to be shared with a dept collector. The letter requested that RRS provide me with validation and verification of debt, HIPPA authorization signed by myself, a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to the debt collector, and that credit bureau reporting cease until debt has been verified and validated. Two letters from RRS dated XX/XX/ was received by myself stating that my request for validation and verification was respectfully declined. The letters also included dates, times, and deadlines for correspondence and disputes that I was unaware of due to being unaware of this dept. A follow up letter was sent to RRS on XX/XX/ requesting validation, verification, and proof that the stated accounts were mine in the form of previous requested documents. Attached with this letter was another " Request for Validation and Verification Letter ''. On XX/XX/, RRS responded with a letter with the account numbers and balances. The letter concluded, " Therefore, this letter will serve as our validation of the dept to you ''. The response from RRS was inadequate, and did not meet any of my requests listed on either letter I sent previously.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Problems caused by my funds being low

Complaint: I had an overdrawn account at XXXX XXXX XXXX. Due to a long hospitalization from a XXXX, my account went over. I was able to pay the overdraft amount including penalties totaling {$170.00}. Now in order to open another account I have to wait 7 years or pay Chexsystems {$380.00}. I think this is unfair. I paid the overdraft amount plus all fees. And now I have to pay double just to open a bank 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 04-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: I had a GM card for many years. I was living XXXX since XXXX and paying my card very regularly. I found that they had blocked my ability to pay over the internet XX/XX/XXXX because I tried several times and then it was too late to send a check. I suspect it was purposeful, since I had accumulated thousands of dollars towards a new GM car. Or maybe it was just a security issue about signing in from outside the XXXX. At any rate, I wrote them a letter that I wanted to pay and keep up my card, but they had put it up for collection almost immediately -- which makes me think they were purposely trying to get rid of some accounts that they felt were at risk. So now they canceled my credits and have caused me trouble with my credit report. I would like elimination of the sale of the account in the first place because it was done in a deceptive manner, and secondly to void the debt retroactively because they caused me damage and are preventing me from getting loans as I 'm back in the US now. Here is a copy of the letter I wrote them : Subject : GM Card ( left out ) XXXX XXXX, XXXX Dear Sirs, I have been trying for months to access my GM account in order to pay my bill, but I ca n't access it, so I figure it was not just a temporary glitch and I am writing you instead, and I would like to 1. Know what is going on 2. Pay my bills 3. Obtain a cancellation of any late or interest charges. As part of that, I would like in writing whether you have reported this to any credit agencies, and, if so, a copy of your letter correcting this mistake. 
4. Restore my internet access to the account. This is important to me as I currently live XXXX. 
Please respond to me at ( left out ). 
Thank you, -- -- -- -- -- -- -Please note that the card management is not clear. At the time that it happened, it appeared to have been administered by XXXX, who may have purchased it from XXXX, and I think it was passed on through several other card companies after that. 
-- -- -- -- -- -- I am not sure what the billing address was at the time of the incident. I put one that might be correct, but I 'm not sure.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  and for  XXXX   XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my chase payment for the month it was declined because of the erroneous purchases. I paid chase immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, and also as 60 days late for  XXXX   XXXX  I contac ted chase and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Chase is acting UNREASONABLY, as i have ha d the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control. As a result of the late payment my account was also closed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: I have  XXXX  items on my credit profile that is inaccurate and I have disputed this 7 times and each time the credit bureau says that they have validated and verified that the items are accurate but I know that they are not because  XXXX  of the items is the same creditor with different amounts due and they just updated my credit profile on  XXXX / XXXX / XXXX  adding an additional {$7800.00} owed when this account is over  7 years old. T he last dispute was done  XXXX   XXXX .  (  Experian &  XXXX  ) are the credit bureaus that is still reporting this item *Twice* The other item that  I had disputed was in litigation and should have been resolved due to an consumer complaint I had filed against the company and to no avail has this been verified or validated, just another case of the credit bureau saying that it is valid without further investigation. The amount is inaccurate because this item should have been removed due to the litigation. I have been disputing this item since  XXXX  and the last dispute was done  XXXX   XXXX   ( Experian &  XXXX  )  are the credit bureaus that is still reporting this item.      The final item is another case through   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   and a vehicle that was sold to me was sold as a vehicle that had passed emissions and to later find out that the vehicle could have caused a fire and put my life in jeopardy, which I filed another consumer complaint with the   XXXX   XXXX   XXXX   XXXX   XXXX    and their emissions department. I had an i ndependent Arizon a State  official emissions officer inspect the vehicle and had not seen any prior emissions records that was done prior to selling me the vehicle which I have submitted documents to Experian who is reporting this item to verify and to no avail I was unsuccessful in the validation/verification of any findings. I h ave been disputing this item since  XXXX  and each time I try to resend the information for verification their response is that the item is valid. The last dispute was done  XXXX   XXXX . The down payment was refunded  XXXX   XXXX  in the amount of {$1000.00} after disputing the problems with the government agencies.

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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This issue is in regards of my Navient account : # XXXX After checking and trying to balance my Student loan payment, The payments reported made to the capital do not match the total amount of the loan. 

As of XX/XX/2016 I consolidated the loan with the XXXX program available. However, the payment made to the capital was for : XXXX. 
If you add up the payments gone to the capital for every month since the re-payment of the loan, It Equals to {$3500.00}. 

The total amount of loans received is : {$18000.00} If you deduct {$3500.00} from the capital of {$18000.00}, the amount of the capital of the month by XX/XX/2016 should be : {$14000.00} All my federal student loans were subsidized and should not have accrued interest while I was in school, or in my 6 month grace period. 

I have paid since to date ( XX/XX/2016 ) interest of {$3800.00} + Capital of {$3500.00} ( = {$7400.00} ) yet my loan had only gone down {$1100.00}. 

I 'd like the CFPB to investigate Navient and my subsidize loans and audit my account to be re-adjusted with the capital I paid and the Interest I over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (SD).
Issue: Struggling to pay your loan

Complaint: my last payment w as   XXXX    2016. I saw  a ad vertisement for help in paying your payday loan. I called them support advocacy  XXXX . They took over my  XXXX  payday loans and dicuss the matter to them. I paid  XXXX  every month for awhile. They called and told me I was done paying them.. I received a email last saturday that if I did not contact them I would have  XXXX  charges against me an d 1 was fraud 2 theft and 3 not payi ng back. They said they would ruin my record and the FBI would be contacting me.. I was told that not to worry because they took over my accounts and if they sue me they would be there for me. Can they really do this? Just want to know my rights. I wos told they were going to have warrant for my arrest they would like my job know what a bad person I am that they will fiel  XXXX  charges against me. That they will block my S.s number. They would file a law suit against me..I was unable to down load the e-mails but this company has the  2 e- mails I had received and I sent it to them.. I want you to contact them they are the ones in charge of my account. I want to put them involved but I do n't have anyone special there. They all help me out. thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alpine Credit, Inc (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently applied for credit and during a review of my credit report an entry for Alpine Credit was identified as active and unpaid. This is patently false and I have documentation to prove my claim in the form of the payment receipt and confirmation from Alpine that the debt was paid in full back in XXXX of 2012 along with a guarantee from XXXX XXXX XXXX XXXX that the debt would be removed from all of my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion has several systemic issues in addressing consumer complaints. :1 ) If new information or documentation is provided regarding a dispute, TU automatically claims the dispute is frivolous as the " account '' has already been verified. 

2 ) While TU may not be required to investigate information from judgments/public records, they should at least make certain the information matches the public records! 
3 ) TU is not considering the original date of delinquency to establish the date the item will be removed. 

I have included the public records that clearly states the " filing date '' of a judgment is XX/XX/XXXX and the filing date on my TU report ( also included ) states XX/XX/XXXX. The other CRAs immediately removed this item when I brought it to their attention. After XXXX dispute attempts with TU ( most recent dispute attached ), I have decided filing a complaint is my best course of action. 

This error on my TU report is preventing me from purchasing property. This is unfair and is in violation of the FCRA. 

Thank you for your consideration, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I answered the Debt Collectors in writing and asked for proof of the debt, i.e. signed contract, etc. They replied with another letter stating I still owed the debt, but they were willing to work with me if I started making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount 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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I went to XXXX XXXX in XXXX, MI to inquire about purchasing a vehicle. They ran a credit check for a loan to see what my financing options were, only to be denied by XXXX XXXX  because XXXX XXXX XXXX reported my credit score as XXXX. My credit is very good ( high XXXX ) and this company should not be allowed to operate. One of their reasons behind the low score was distance between address and area code of phone - absolutely ludicrous. This company is nothing but a scam to try to obtain personal information. I dont know why the bank would find them reputable in any capacity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted copies of the police report, FTC Fraud affidavit, statements, letters, etc. numerous times. I have made numerous attempts to contact these agencies, creditors, companies in reference to accounts that were opened in my name, credit inquiries in my name, apartment that was leased and broken in my name and have not gotten any closure. I am unsure of what else this credit reporting agency is wanting from me and as I have sent copies of my driver 's license, social security card, copy of my old apartment lease, copy of bills, etc. along with the other items and have even asked them to update my telephone number on my report as I have not had the number listed over 10 years. My number is XXXX. This has been ongoing for many months and I am at this time upset with the last 2 envelopes that I have received. I have attempted to notify all creditors, dealerships, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, etc and have had no success. Yet the credit reporting agencies, all except 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 09/18/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX, 8 years ago, Bank of America in XXXX XXXX, California, gave us the contents of a checking and savings and access to a EMPTY safe deposit for a deceased relative. 

Bank of America withheld the existence of another safe deposit box for 8 years and only notified us XX/XX/XXXX, after they drilled it open and provided us an inventory which showed cash, legal docs, XXXX insurance policies, and other valuables. The inventory was conducted by Bank XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, they failed to sign the Inventory, as required by law. All signatures were left blank. 

I believe XXXX XXXX and XXXX XXXX stole the contents and only sent this notice because they did not expect for me to be living at the same address as the box owner 8 years later. Throughout these years they 've never notified me of the existence of the box and I 've lived at the same house that we inherited from the deceased and that is on the deceased 's account. 

Upon receipt of the notice of the box, I provided them with all the documentation they requested. Upon confirmation that they had received all the documentation they needed to release the property we had an appointment to get the contents. 

When I arrived for our appointment they first lied and said they could n't find it, then they found it but refused to release it because a " mysterious '' person 's name had been added to the account. No one knows who this person is, not even the bank because there was no ssn, date of birth or any other identifying characteristics. The name was a common name that could be XXXX people. Based upon this unknown person, they refuse to give the us the property. 

Again, I suspect local bank employees or management, XXXX XXXX and XXXX XXXX have stolen the contents, placed some unknown fake name on the account and now the local branch is know covering up for them. They wo n't provide me with any procedures to recover the property and keep giving me the runaround. 

Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 Chase Bank, XXXX XXXX XXXX XXXX XXXX, XXXX Michigan XXXX sent a Fraudulent Wire Check Transfer to my XXXX XXXX, Michigan Account for {$1500.00}. I withdrew this {$1500.00} out of my checking account on XXXX XXXX, 2015 not knowing that is was fraudulent. On XXXX XXXX, 2015 XXXX XXXX, Michigan informed me that the Wire Transfer Check had Bounced from Chase Bank, and I was being charged for {$1500.00} and all subsequent overdraft fees. XXXX XXXX subsequently took my deposits into my checking account Veteran 's, Unemployment, ect. to pay for this bounced Wire Check From Chase Bank, and closed the account leaving {$800.00} unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There has been a collection added to my report on all XXXX bureaus, that does not belong to me for {$890.00}. The collection company is XXXX XXXX collecting for XXXX XXXX XXXX. I have been doing searches on the company name, XXXX XXXX XXXX, and I keep seeing SCAM, FRAUD - lawsuits by states - cease and desist orders from states. I have filed disputes with XXXX of the bureaus and I will call the XXXX. I have worked so hard on my credit and I 'm just sick that I have to spend all of this time chasing down a fraudulent report. I 'm reporting this in hopes of clearing it up and to provide information, as I suspect I 'm not the only one this has happened to. Please Help.

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 04/28/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i have inquires that should be removed and have proof that they should be removed and equifax has yet to remove them i hope hat you can help me get them removed

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with Merchants and Professional Bureau, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine. This is for both accounts you have on my cbr

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other fee

Complaint: One year ago I applied a capital one XXXX, which has one-year membership fee waived. This year I decided to switch it to a non-membership fee card. I called after they already generated the statement with new year 's membership fee. They would switch my card ; however, they do n't grant prorated fee about the membership fee, which I feel it 's unfair. As far as I know, other cards such XXXX doed prorated fee.

Company response to consumer: Closed with monetary relief