milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter on XXXX XXXX, 2015 from XXXX XXXX to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. XXXX responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, ERC, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, ERC has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; XXXX day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Student loan (Federal student loan servicing) with Performance Settlement, LLC (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: ON XXXX XXXX, XXXX, WHAT I THOUGHT WAS MAKING ARRANGEMENT TO DEFER MY STUDENT LOANS ONLY TURNED OUT TO BE A SCAM. I ENDED UP AGREEING TO PAY THIS COMPANY [ PERFORMANCE STUDENT LOCAL CONSOLICATION AKA PERFORMANCE SLC, XXXX, A MONTHLY SERVICING FEE FOR FOR {$89.00} PER MONTH. ONLY TO FIND OUT THAT I DID NOT HAVE TO PAY A FEE BUT COULD HAVE SET UP THE ARRANGEMENT DIRECTLY WITH THE DEPARTMENT OF EDUCATION. THE PAYMENTS THAT I HAVE MADE ARE NOT GOING TOWARD THE STUDENT LOAN. IT IS ONLY A FEE THAT IS GOING TO THIS COMPANY. THERE IS NO BENEFIT IS PAYING THIS MONTHLY FEE. MY XXXX XXXX AND MY FATHER 'S XXXX XXXX IS STILL DECREASING BECAUSE THERE THE ARRANGEMENT WAS NOT REPORTED UNTIL RECENTLY. I HAD MADE XXXX PAYMENT DEDUCTED FROM MY FATHER 'S CHECKING ACCOUNT. SINCE THEN, A STOP PAYMENT ORDER HAS BEEN ISSUED AGAINST THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have called them, called bureaus and wrote them disputing

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: On Friday XX/XX/XXXX I purchased {$490.00} dollaras worth of Ethereum from Coinbase using a debit card. These transaction are processed and credited instantly. Well it is now XX/XX/XXXX and I still have not recieved the property that I have paid for. I have sent multiple support tickets that have not been answered within in 72 hours nor will they answer their support office phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I went through a name change when I got married in XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # XXXX XXXX XXXX/XXXX All XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 07-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Advertising and marketing

Complaint: I received a very tricky and dishonest offer in the mail from Bank of America. It offers 0 % interest until 2016 but after really looking into this offer it is trying to trick people who pay off their balances each month ( like me ), because it makes all new purchases subject to interest charges. It is so bad that Bank of America is going this route .... I have been a card holder for years and have a fico score of XXXX, and if i almost got tricked, I ca n't imagine what it would do the the average consumer. This should be illegal and Bank of America should get in trouble for this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (I do not know) with I.C. System, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Contacted collection company, LVNV FUNDING LLC twice in the last couple of months ( between  XXXX   XXXX  -  XXXX   XXXX   ) to try to get some information on a collection account that was on my credit report. Spoke  to the agent and said I was going to dispute the issue because I did not open a credit card with  XXXX   XXXX    XXXX    which debt amount is {$710.00}. I wanted to know when the account was open, if the bank statements could be made available, etc. The agent said a package would be sent out with all of the information I needed. Months later still no package and I have not been contacted by a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with Louisiana Recovery Services Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: While going through the process of a refi we discovered my wife had an unpaid debt from a period while we were legally divorced. We agreed the debt was valid but had never received notice of it 's existence. When we contacted the collector ( XXXX, from LOUISIANA RECOVERY SERVICE in XXXX, Louisiana ) they were not receptive to settling the debt for anything less than it 's actual amount. That was satisfactory because we concur it was owed. We made clear we wanted it deleted and not simply marked paid. The collector stated he would remove the debt after it was paid in full, but within 45 to 60 days, or for an {$11.00} deletion fee, he could delete it within a week. We agreed to that as well but asked to have that agreement in writing before sending payment. He stated that it was their policy not to send such agreements in advance. He stated he was bound by federal law to follow through on any promises made. He went on to state the conversation was recorded and that would be my proof. I disagreed, arguing I had no access to his recordings. I informed him I wished to call an attorney friend for advice before going forward. My attorney friend advised me to insist on a written agreement. When I called back approximately 5 minutes later, he again resisted and informed me there would be an additional transaction fee of {$7.00}. I became increasingly uncomfortable as he repeated the disclosure statement : " this is a call from a debt collector and is being recorded '' before answering any additional questions asked. This sent up a red flag indicating to me there would n't be continuity in his recordings if we ever needed them recalled. It was simply odd and absurd he would keep making that statement. We informed him we would call back the following day to reach an agreement in the presence of an attorney. He is resistant to that now too, not answering either my wife 's or my phone. I contacted the BBB with a complaint and sent him a certified letter the next day outlining my concerns. I also advised him, I 'd be contacting the FTC as well. That brings me here now.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been trying unsuccessfully to submit a dispute to the company for inaccurate information on my report. I have been blocked from filing complaints online via the web portal, I have been blocked from filing email complaints, I have filed via US mail and they are ignored. I called the customer service number on XXXX/XXXX/XXXX to speak to someone about my disputes and was told I had not filed any disputes. I asked to file one and hey said in broken English I would have to mail it in with identification. I am going to provide this agency the disputed info and maybe you can get a response from this company. 
I have two accounts that they have listed on my report that I demand be removed as I proved in court were not mine. I will attach a copy of the dismissal from the company, if I am allowed to attach items. In case number XXXX XXXX XXXX XXXX XXXX XXXX i was sued for the alleged debts listed on my credit report XXXX XXXX XXXX, and XXXX XXXX. I was able to defend against these suits and prove that the accounts were not mine. XXXX was forced to dismiss without prejudice the suit. I also received a letter from XXXX XXXX sowing i did not owe the debt. 

I have contacted the company XXXX XXXX XXXX about this alleged debt that is listed on my report and they have no knowledge of me owing this debt now, and are stating they are not reporting it on my report. When i told this to the agent on the phone they said to mail in a dispute. I have disputed this in the past and asked for method of verification and never received a response. 

I notified this agency, XXXX XXXX, and the XXXX via a complaint that these were fraudulent accounts and have not received a response from anyone on these two accounts. I spoke to the store and they admitted to me that there was fraud but claim that they can not do anything about the entries on my credit report. the credit reporting agency refuses to allow a dispute This company goes out of there way to make it impossible for a person who is the victim of theirs to get a resolution to a dispute. They have blocked me from filing disputes, and say its for my own protection that i can not see my credit report, that is of course unless i buy there service then i can see everything online.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Medical) with APEX Asset Management, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Apex Asset Management has never contacted me as required by law before placing this item on my credit report. I have never heard from them and was not given the chance to dispute the charge. I was only made aware of their collection attempts after pulling my credit report.

Company response to consumer: Closed
Consumer complaint received 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor heard about. I realized that my credit report had negative items that i was n't responsible for and i believe that my identity was compromised and my name was in collection agency.

Company response to consumer: Closed
Consumer complaint received 02-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My current balance is currently : {$540.00} The account is showing that my balance is currently : {$1400.00}, which is highly incorrect. I am requesting this account be investigated or the account be validated | verified.

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 10/15/2015 about Consumer Loan (Vehicle loan) with Helm Associates (PA).
Issue: Taking out the loan or lease

Complaint: TO WHOM MAY CONCERN MY NAME IS XXXX XXXX, IM WRITING THIS DISPUTE WITH HELM ASSOCIATES # XXXX 'M REQUESTING TO HAVE THIS ACCOUNT REMOVE FROM ALL TREE CREDIT REPORTING AGENCY.I NO LONGER HAVE AN ACCOUNT WITH HELM ASSOCIATES.I HAVE RETURNED THE XXXX GRAND MARQUIS.I PAID XXXX FOR IT AND THE BLUE BOOK VAUE IS BETWEEN XXXX TO XXXX.THIS COMPANY IS A RIP OFF, I DONT OWE THEM ANY MONEY. HELM ASSOCIATES WORKS WITH XXXX, THEY ARE GIVE THE CAR BACK TO XXXX TO SELL AGAIN.MY DEBT I HAD WITH HELM ASSOC IS PAID IN FULL.PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AS SOON AS POSSIBLE.THESE CARS ARE OUT DATED AND BARELY RUN GOOD.PEOPL ARE BEING TOOKEN ADVANTAGE OF.THIS IS NOT THE FIRST COMPLAINT AND I DOUBT IT WILL BE THE LAST.I SPEND TO MUCH MONEY ON XXXX COMPANY HAS CAUSED ME TO BECOME HOMELESS.THEY ONLY OFFERED TO TRY TO GET ME TO KEEP THE CAR AFTER I WAS ALERTED ABOUT HOW THIS COMPANY IS RIPPING PEOPLE OFF.ITS A SHAME AND SOULD BE AGAINST THE LAW FOR THEM TO WORK WITH XXXX ANS SALE THESE OLD RUN DOWN CARS. I THINK THE XXXX SHOULD KNOW ABOUT THIS COMPANY AND SHUT IT DOWN.I DO NOT OWE HELMS ASSOC ONE CENT.I WAS TOLD THAT CAR WAS WORTH XXXX AND NOT EVEN WORTH A TRADE. PLEASE REMOVE THIS FROM MY CREDIT FILE. THANK YOU COMPANY HELM ASSOC XXXX XXXX XXXX XXXX PA,XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Bank account or service (Checking account) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Account opening, closing, or management

Complaint: I had a checking account with Doral Bank located at XXXX XXXX XXXX XXXX since XX/XX/XXXX. 
On Friday, XX/XX/XXXX, Doral Bank, XXXX XXXX, PR was closed by the Commissioner of Financial Institutions of XXXX XXXX, and the Federal Deposit Insurance Corporation ( FDIC ). 
My Doral Checking account was later assumed by Banco Popular de Puerto Rico ( BPPR ). " The acquiring institution '' Per their website, XXXX. The conversion of the BPPR and Doral was completed a few months later. 

According to the FDIC, it is assumed that the fact that the deposits are transferred to " the acquiring institution '' does not affect the day to day banking operations. However since the conversion made I have NO access to the funds nor make or generate any transaction at all. 

Apparently, " The acquiring institution '' had an incorrect address on their systems, unable able to send notifications, including a complete kit with the new account number, cards, and a " PIN '' required for the web registration. On my several attempts to the customer service center, I have explained that I 'm currently living in the U.S ; however, I retain a local address in PR. This is exactly the same address that I have been receiving mail from Popular Mortgage, a division of Banco Popular, PR. For an unknown reason the bank could n't match this address. 

It 's been four months since I started communicating to BPPR that I require access to my checking account to receive the proceeds of the rents of a property retained in PR as well as to pay the mortgage associated with this property financed with Popular Mortgage Inc. ( now 4 months past due, with all the funds sitting in the account ). I have provided the correct address several times and I believe that their systems are finally updated. However I still need to receive the information associated with the checking account. All of the customer service representatives that I have contacted insist that because I 'm not residing in PR I 'm not allowed to receive an account number or PIN to validate. In the meantime my mortgage continues to fall. 

I demand that " The acquiring bank '' ( 1 ) send me a complete kit of the new account assumed, as well as any cards and PIN or information needed to be able to register on their website to generate transactions. 2 ) make any adjustments required to any of the ( XXXX ) Credit Reporting Companies, that could be negatively affected by " The acquiring bank ''. 3 ), cease and desist any written or verbal communication from Popular Mortgage Inc. asking mortgage payments while the funds are clearly sitting on the account for over three months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. 

This account should be removed from all credit reports immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax over XXXX times concerning this issue ; they say that I am being verified electronically however I informed them that the information is incorrect and that I was not in FL when the supposed medical bills occured. They refuse to remove the negative info from my credit report. All of the other credit agencies have removed these doctor bills as the company couldnt prove conclusively it was me. Equifax is refusing to cooperate. This has been going on for over a year.

Company response to consumer: Closed with non-monetary relief